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6 non-practitioner microfinance leaders who shaped the industry growth
Submitted by admin on Wed, 07/27/2011 - 02:07
Microfinance Focus, July 27, 2011: Modern Microfinance industry has traversed a long journey since a great social invention by Prof. Yunus in Bangladesh. It has established itself as one of the effective tools to fight poverty. The industry however had a bumpy ride and witnessed many ups and downs of-late. A slew of controversies hit some of the most promising microfinance regions and some serious questions have been raised about its effectiveness. Yet, the good work of industry is not easy to write off.
Microfinance development has not just been contributed by pioneers and its practitioners but also by a number of leaders who have created microfinance enabled services to assist industry to take its right shape. These leaders have played an important role in the growth of Microfinance sector globally and made important contributions at the pyramid's bottom.
Microfinance Focus team has reviewed the contribution of some of these leaders and has listed out six non-practitioners who shaped the industry's growth. We understand that this list is not exhaustive and may include many more leaders who stand worthy of sharing this space. This is simply a starting point and we welcome our readers to suggest more deserving names.
Alex Counts
Who is he?
Alex Counts is President and CEO of Grameen Foundation, a nonprofit organization focused on enabling the poor to escape poverty, using microfinance and technology. Alex Counts founded the Grameen Foundation in 1997. While at Grameen Bank, he worked and studied under Nobel Laureate Professor Muhammad Yunus, founder and managing director of Grameen Bank, and helped to establish the bank's flagship newsletter, Grameen Dialogue. Mr. Counts chairs the board of Project Enterprise and serves on the boards of Fonkoze USA and the PLAN Fund. In 2007 he received the Distinguished Alumni Award from Horace Mann School.
Contribution to Microfinance Sector:
In 1997, Alex Counts founded the Grameen Foundation with $6,000 in seed capital funded by the founder of Grameen Bank, Nobel Laureate Professor Muhammad Yunus and has since grown the organization to a global network of 52 microfinance partners in 28 countries.
Grameen Foundation is a dynamic, nonprofit that fights global poverty through its network of microfinance partners in 28 countries in the Americas, Asia, Africa, and the Middle East. Through this network, it has impacted the lives of an estimated 31 million of the world's poor.
Through its Strategic Services Unit, the foundation is engaging the global microfinance industry by championing innovations focused on capital investment in microfinance, poverty measurement, human resources, and technology. The foundation has now grown to a leading international humanitarian organization with an annual budget of approximately $25 million.
More than one million microloans have been generated to 9.4 million people through Grameen Foundations Growth Guarantee Program allowing several people to begin their journey out of poverty. $160 million has been leveraged to support the micro finance programs in about 13 countries and 600000 clients are being supported through Mifos at the micro finance institutions around the world. More people are being given an opportunity to change their lives, everyday.
Sam Daley Harris
Who is he?
Sam Daley-Harris is the Director of the Microcredit Summit Campaign. He is the founder of RESULTS and RESULTS Educational Fund, a lobbying organization that seeks to create the political will and develop mass educational strategies to end hunger and the worst aspects of poverty. The Microcredit Summit Campaign is a project of the RESULTS Educational Fund. Sam Daley Harris is currently leading phase II of the campaign to help boost the UN's Millennium Development Goals for 2015 – Reaching 175 million of the world's poorest and ensuring that 100 million families come out of $1- a day poverty, lifting half a billion people out of extreme poverty.
Contribution to the Microfinance Sector:
The first Microcredit Summit, organized by Sam Daley Harris was held February 1997 in Washington, DC which had approximately 3,000 in attendance from 137 countries. The outcome of the first Summit was the launch of a "Campaign" to reach 100 million of the world's poorest families, especially the women of those families, with credit for self-employment and other financial and business services by the year 2005. This campaign called the Microcredit Summit Campaign started by Sam Harris is an American non-profit organization which aims to bring together microcredit practitioners, advocates, educational institutions, donor agencies, international financial institutions, non-governmental organizations and others involved with microcredit around the goal of alleviating world poverty through microfinance.
By December 31, 2007, the Campaign counted 3,552 microfinance institutions that reported reaching more than 154 million clients. These institutions are located worldwide. Of the 106 million poorest clients, 94 million of them (88.2 percent) are being served by the 76 largest individual institutions and networks reporting to the Campaign, all with 100,000 or poorer clients.
Jacques Attali
Who is he?
Professor, writer, Honorary Member of the Council of State, Special Adviser to the President of the Republic from 1981 to 1991, founder and first President of the European Bank for Reconstruction and Development in London from 1991 to 1993, Jacques Attali is currently CEO of A&A, an international consulting firm specialized in new technologies, based in Paris, and President of PlaNet Finance an international non-profit organization assisting microfinance institutions all over the world. PlaNet Finance is the most important world institution of support to the microfinance. PlaNet Finance advises and finances the development of the microfinance in 80 countries.
Contribution to Microfinance Sector:
Jacques Attali is the first and the current president and founder member of PlaNet Finance, an international non-profit organization founded in 1998 in Paris, France. Planet Finance has the mission to alleviate poverty through the development of microfinance, thereby increasing the unbanked and underbanked's access to financial services. It provides access to financial services to the poorest populations, the financial intermediaries including banks, cooperatives, non-governmental organizations (NGO), and microfinance institutions. The association supports microfinance efforts by federating financial intermediaries and providing them with operational services. PlaNet Finance also works with the private sector (banks and financial institutions), international agencies, and government to facilitate the creation of an efficient microfinance sector.
Over the past 12 years, PlaNet Finance has developed into a group of organizations (PlaNet Finance Group) providing a diverse set of services. PlaNet Finance's international network holds activities in close to 80 countries around the world through a network of 700 staff. It has supported 1,500 microfinance institutions financing more than 9 million people.
Chuck Waterfield
Who is he?
The developer of the micro-financing software Microfin, Chuck Waterfield has served as micro-financing director at CARE International and MEDA. He has taught courses at the School of International & Public Affairs at Columbia University and Southern New Hampshire University. He is also an independent micro-financing consultant. His client list includes CGAP, the SEEP Network, Opportunity International, and Aspen Institute. In 2008, he founded MicroFinance Transparency and works as the CEO and President.
Contribution to Microfinance Sector:
Chuck Waterfield founded Microfinance Transparency in July 2008, to enable transparent communication between suppliers and consumers of microcredit products by presenting information on credit products and their prices in a clear and consistent fashion. In addition, MF Transparency undertakes the equally important role of developing and disseminating straightforward educational material to enable all microfinance stakeholders to better understand the concept and function of interest rates and product pricing.
In 1997, Mr. Waterfield, commissioned by CGAP, developed Microfin which is a software designed to serve as an integrated part of a comprehensive business planning framework of MFIs, addressing both strategic and operational issues. Microfin's five-year financial projections serve as a key part of the operational planning process and covers key elements such designing financial products and services, establishing marketing channels and projecting activity level, determining institutional resources and capacity, developing a financing strategy and analyzing projected financial statements and ratios.
Since MF Transparency's launch, 785 industry leaders, including MFIs and Apex Banks currently serving 110 million clients worldwide, have signed the endorser statement. The industry continues to grow into one that is dynamic and far-reaching.
Over 2,000 managers of MFIs from dozens of countries worldwide have been trained in the use of Microfin, which has been adopted as the "industry standard" for financial modeling of MFI operations.
Graham A N Wright
Who is he?
Graham A.N. Wright played a key role in the designing and establishment of the MicroSave programme and is currently the Programme Director for India. The core of market-led approaches used by MicroSave especially the Market Research for MicroFinance tools has been pioneered by Graham. He has a career spanning over two decades of development experience under pinned by five years of experience in management consultancy, training and audit with a leading accounting firm in Europe.
Graham A N Wright established the MicroSave programme which focuses on putting the clients at the centre of the business. It typically starts using MicroSave's acclaimed Market Research for MicroFinance or Strategic Business Planning tool kits, but focuses on product development and delivery systems, as well as customer service strategies and optimizing processes while minimizing risks. MicroSave offers technical assistance and training to financial service providers in these and many other areas.
He helped in the development, testing and implementation of a sustainable rural savings and credit programme for BURO, which has now established its significance as a micro-finance institution in Bangladesh.
He provided long-term technical assistance to develop a rural finance system, using self-help "Savings and Loan Groups" linked to strong cooperatives in a remote mountainous area of the Philippines.
Several of MicroSave's Action Research Partners, including Equity Building Society in Kenya, Tanzania Postal Bank, Uganda Microfinance Union and Teba bank in South Africa are already benefiting from moving to an increasingly market-led approach. By designing the products which are more suited to the customer's needs, Graham has given a new perspective to the micro-finance sector.
Sanjay Sinha
Who is he?
Mr Sanjay Sinha is the Managing Director of Micro-Credit Ratings International Limited (M-CRIL) – a company established to carry out professional assessments (ratings) of microfinance institutions (MFIs) and provide research and other services designed to promote the flow of investments into microfinance. He has specialized in sub-sector analysis of activities of relevance to the livelihoods of poor people, microenterprise promotion and BDS in addition to microfinance.
Contribution to the Microfinance Sector:
He is co-founder of EDA Rural Systems Private Limited, one of the leading development consultancies in Asia and parent company of M-CRIL. The establishment of M-CRIL emerged out of EDA's experience with MFIs and from undertaking policy studies in the field of microfinance. M‐CRIL is the world leader in the rating of microfinance institutions (MFIs). By December 2010, M‐CRIL had undertaken around 700 financial and social ratings and assessments of around 400 institutions covering 32 countries of Asia, Africa and Europe.M‐CRIL was the pioneer in the rating of MFIs in India; it has been engaged with Indian MFIs since 1998 when the Indian microfinance sector was in its infancy.
Most notably, in his recent writings and in numerous conferences over the past couple of years, he has warned of the dangers for the future of the industry resulting from uncontrolled growth shifting the focus from clients to an ethos of promoter hubris and self‐enrichment. Sanjay Sinha was inducted as a Member of the UN Advisors Group on Inclusive Financial Sectors.
M-CRIL ratings have not only facilitated the flow of funds, but they have also resulted in important systematic changes and enabled the design of capacity building initiatives for MFIs. It has helped to reduce MFI risk and support institutions and microenterprises to incorporate best practices in their systems.
A banking visionary who pioneered microfinance is missing
Submitted by Unregistered User on Sun, 08/07/2011 - 21:37.
A review of the literature on the initial phase of SBLP would show that the common theme was the skewed geographical spread of microfinance. Andhra Pradesh, Tamil Nadu and Karnataka dominated the microfinance landscape in the country. The turn of the century saw some valiant efforts in Orissa. All these states were endowed with world class NGOs who synergized their global knowledge resources and technological prowess with the vast reach of the institutional network of public banks to record some spectacular initial gains. A substantial body of empirical research was undertaken by Bankers Institute of Rural Development, Lucknow, which also served as a local resource for GTZ, DPID, USAID, KFW and prominent international academics and researchers like David Hume. Mosley, Murdoch and Robinson also did extensive work to enable a blueprint on Indian microfinance to emerge.
Despite all these laudable efforts, microfinance could not create footprints in Central and Northern India. The northeast and the eastern states of West Bengal and Orissa showed steady progress under the leadership of NGOs like BANDHAN.
Maharashtra, Madhya Pradesh and Rajasthan were among those states which had enormous potential but were handicapped by the absence of professional NGOs. Most local NGOs were set up as a response to natural calamities and focused mostly on the social sector.
In these states, it was the leadership of the country's biggest commercial bank, State Bank of India, to come out with a slew of motivational incentives and out of box thinking to initiate an aggressive drive that yielded an avalanche of self help groups that used credit in entrepreneurial to set up innovative businesses with such consistency that today Maharashtra boasts of the country's fastest growing SBLP model.
As part of the team that was assembled by A. Ramesh Kumar, a dynamic visionary and head of SBI's operations in Maharashtra. I was witness to the way his charisma worked like magic and stoked a thunderous growth trajectory. It was a revolution that inspired the grassroots managers in a way a general inspires warriors. Microfinance became a charming theme in boardroom meetings and senior executives started courting the hutments of the poor. Ramesh Kumar started visiting the remote hinterlands and cutting protocol and hierarchy extended brotherly affection to junior colleagues who felt amazingly empowered.
All village branches were instructed to observe one day in a week as SHG day when the bank branch would transact only microfinance business. The branch staff would visit villages and complete the entire paperwork in group meetings at the village. It was a unique experience for poor women, who were startled to find bank managers sharing the floor with them. The microfinance wave became a blizzard as groups began to breed like rabbits. The fertility rate of group formation humbled politicians and financial pundits who saw that that their intimidating tactics could not abate the passion of bankers and poor women. The menfolk, who had till now viewed microfinance with great skepticism particularly on account of its renewed focus on women decided to join the bandwagon and encouraged their wives to join groups.
A few performance indicators would give an idea of the relentless energy and momentum that both drove and sustained the program. In Maharashtra, SBI's microfinance program at the rate of 200-300 SHGs being linked annually. During 2003-2004, the year Ramesh Kumar took the initiative to personally drive the programme, the bank linked 20,000 groups, recording a herculean y-o-y growth of 980%. The momentum generated was so strong and buoyant that the SHGs continue to be linked at the same scorching pace. It is truly unfair that India's most unique mode of microfinance went undocumented by the microfinance academics on account of their obsession with market driven microfinance programs of new age NGOs which was being shepherded by the elite global business schools.
An independent microfinance department was established at the state headquarters of the bank at Mumbai under the direct control of the head of bank's state operations. A state level steering committee was constituted under the chairmanship of the state CEO comprising representatives of NGOs and senior development managers of the bank. The committee used to meet every month in Mumbai to review the progress and provide policy interventions wherever bottlenecks were observed. As most bank branches had got computerized, a large number of subordinate staffs were rendered redundant. Staffs are normally local residents familiar with the culture and geography and not transferable. There was growing frustration in the class of employees as their efficacy to the institution had substantially decreased on account of migration of data from physical ledgers and computers to the computers.
These messengers were designated as SHG Assistants and were specifically assigned the task of promoting SHGs and monitoring them and facilitating their linkage with the bank. The new designation enhanced the self esteem of these staff and they were now perceived in the local community as important representatives of the bank. The new recognition also improved their position in the family. The SHG Assistants were provided with motorcycles and their trips to villages would fetch them field. How important was the new social status they had acquired.
To compensate the branch for any business loss on account of a full business day being assigned for transacting business with SHGs, a profit transfer mechanism was designed to bolster the bottomlines of bank units undertaking microfinance. The unit was given a credit of $10 for every new group account opened and $100 for the first loan cycle introduced based on the criteria of number of SHGs formed and linked through bank loan. Similarly, an incentive of Rs.1000/- was paid to village volunteers, school teachers and local NGOs for promotion and monitoring of groups.
To sensitise the staff, a slot was introduced on all training programs at all training establishments for creating awareness among staff of all grades. A roving faculty was introduced for guiding grassroots staff.
Mr. A. Ramesh Kumar was a highly committed visionary whose lovable wife was equally committed despite her own preoccupations. Mrs. Kumar's induction in the informal team was really a great shot in the arm for the movement. The spouses of the local managers were inspired by Mrs. Kumar's gesture and they also came on board. This further deepened the SHG's roots as senior urban educated women started guiding village women in social development particularly in matter of hygiene, sanitation, proper cooking practices, designing of nutritional diet for infants and proper upbringing of children.
A massive advertising and publicity campaign was launched to create mass awareness about microfinance and sensitizing the menfolk as their cooperation and support was extremely essential for the success of the programme.
SHG leaders were taken on educational tours of Mumbai and Delhi so as to enlarge their world view and enhance their confidence. Exchange visits were also organized for SHG members from different cultural regions to share their learning and best practices so that the cross pollination would yield some unique ideas and solutions.
A 15-day training module was designed in collaboration with Maharashtra Centre for Entrepreneurship Development (MCED), Maharashtra Industrial Technical Consultancy (MITCON) and Animal Husbandry & Livestock Department of the state government to provide inputs on management entrepreneurship, interpersonal skills, marketing and skill development.
The innovations introduced by Mr Ramesh Kumar popularly known as SBI Mumbai model were later embraced by the entire banking industry including NABARD.The momentum generated by Kumars efforts is so strong that SHGs in Maharashtra continue to grow at a staggering pace
Interesting how women are
Submitted by Unregistered User on Thu, 08/04/2011 - 09:32.
Interesting how women are more important than the subject (poor).
Female nomination
Submitted by Unregistered User on Mon, 08/01/2011 - 19:24.
When I think of women who made a tremendous contribution to microfinance I think of Maria Otero, ex-president of Accion International
Not fair
Submitted by Unregistered User on Thu, 07/28/2011 - 22:19.
The contribution of mentioned six gentlemen is outstanding. However, there are other individuals like Monique Cohen and others, who has contributed a lot for the development and growth of Microfinance sector. How someone come only these six name, not 7 or 10.
Michaela Walsh - founder of WWB
Submitted by Unregistered User on Thu, 07/28/2011 - 12:27.
Women have long been the lynchpin of microfinance as clients/customers and loan officers but are often unrecognized as leaders and managers, unfortunately. I would add Michaela Walsh, founder of Women's World Banking, to this list of microfinance non-practitioner leaders. Thank you.
Heather Henyon
Founder & Managing Partner, Balthazar Capital
Dubai, UAE
An Honor/A Few Women+Chris D.
Submitted by Unregistered User on Thu, 07/28/2011 - 01:19.
It is certainly a honor to be listed amongst this group. Some women should definitely be added as the list is made more complete -- like Susan Davis (BRAC USA), Vijayalakshmi Das (FWWB) and
Helen Todd (was a practitioner for a time but has played many other roles). Also, Chris Dunford may qualify as non-practitioner and if so he merits strong consideration. Some academics like Jonathan Mordoch are good candidates too. Thanks again! --Alex Counts
where are the Women?
Submitted by Unregistered User on Wed, 07/27/2011 - 19:44.
I agree with you they are remarkable contributors but I think you are missing a big piece! Many women practionnners should have been mentionned in this piece.


text: Harvey Weinstein: 'Miral' Critics Are 'Crazy and Wrong' 8:49 PM PDT 3/14/2011 by Kim Messina FACEBOOK TWITTER EMAIL ME Jose Haro/ The Weinstein Company The distributor tells The Hollywood Reporter that the controversial movie is not anti-Israeli, but "a pathway to peace." Harvey Weinstein has come out strongly against critics who claim the movie Miral is anti-Jewish or anti-Israeli. "The people who don't want you to see the movie for political reasons are crazy or wrong," he tells The Hollywood Reporter at a disputed United Nations screening of the film. "I think the idea is, let there be peace." Miral focuses on an orphaned Palestinian girl who grows up in the wake of the first Arab-Israeli war. Weinstein is the chairman of the Weinstein Co., which is distributing the film. Read THR's review here. When asked if people were "over-reacting" to a perceived anti-Israeli bias in the movie, Weinstein responded, "Yes." "If they see the movie," he added, "they'll see something that's a pathway to peace and a beautiful coming-of-age story." Weinstein points out that both he and the film's director, Julian Schnabel, are Jewish-American. He said the goal of the film is to get people to "make peace." "The Middle East is a hot bed, (and) that doesn't have to be," he said. "It's (been) too long, and maybe when the public takes the issues, it becomes something." The American Jewish Committee had called upon the president of the U.N. General Assembly to reconsider his decision to sponsor the screening of the film on Monday. In a letter sent to General Assembly president Joseph Deiss on Friday, AJC executive director David Harris accused the movie of portraying Israel "in a highly negative light," calling it "blatantly one-sided." The film will be released March 25. FACEBOOK TWITTER EMAIL ME Kim Messina email@example.com @thr

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Bowled out inside 30overs for less than 100. What a day for India's batsmen. Concede over 100 runs in 11 overs against England's tail. What a day for India's bowlers. Smashed by an innings and 244 runs. What a day for Indian cricket.
Routed inside three days for the second time in a week. India are in pieces, their players under fire, the coach – Duncan Fletcher – has been sidelined by BCCI and the Captain, MS Dhoni thrashes about in a London hotel bed wondering what the hell comes next?
It's an ODI Series and Ravi Shastri has been hastily appointed by the BCCI to run the team during the series. The move effectively demotes Fletcher and adds confusion to India's set up. Will it help?
Well India haven't won an ODI on their last two international tours. Shocked? Don't be. The players have little to no chance of working hard on faulty techniques or improving their games. India's Board of Control for Cricket in India have established a relentless schedule of matches decimating all reasonable opportunity for rest, recuperation and meaningful practice. Oh what a shame you say? They're millionaires, right? Yes, but all cricketers must work long and hard to exorcise bad habits and polish technique. The Test series defeat reveals a lack of strategic training and toil at first class level.
Virat Kohli, Cheteshwar Pujara and Ajinkya Rahane represent the future of India's batting, but their lack of mental fortitude in tough circumstances and adaptability were wildly exposed by England throughout this series. Shikhar Dhawan, another batsmen who might have had a future with India, was replaced after 3 Tests by 32 year old opener Gautam Gambhir, a regressive selection that backfired. Gambhir looked haunted and worked to avoid the strike during his four innings in the series and, on his last day of torment, was pathetically run-out a few minutes before lunch when clouds threatened.
India visit Australia for 4 Tests in the southern summer and their batsmen must be absolutely shaking with terror at the prospect of facing the Aussie pace battery.
Can India take wickets?
India also lack genuine wicket-takers. Cast your thoughts back over the years. Can you rattle off a selection of top notch Indian bowlers who've consistently taken wickets home and away?
They seem to have cobbled together bowling attacks, just enough to get by and sure, guys like Zaheer Khan were quality and Ishant Sharma is kind of okay I suppose (he wouldn't get a game for Australia, England or South Africa with a bowling average of nearly 37). India lack spearheads. Ravichandran Ashwin has potential as a spinner and Bhuvneshwar Kumar was their best player in this series and maybe India should build their pace attack around him, but he won't be the spearhead they crave. He doesn't have raw pace and Dhoni's overuse of Kumar flattened him.
MS Dhoni may lose the captaincy
Dhoni himself mostly batted with defiance throughout, but his captaincy and wicket-keeping were second rate. He is a fighter, a man of character who, despite possessing a pedigree most suited to short-form, has proven that resilience of character and resolute commitment often gets you over the line in Test Match cricket. Better cricketers than Dhoni have failed to make any dent in the Test arena because they lacked those attributes. But, after this embarrassing 3-1 defeat to England, where his side have squandered a 1-0 lead, can he retain the captaincy of the world's most popular cricket team? The hashtag #dhoniout has been trending on Twitter for over 12 hours now so perhaps India's fans have already indicated a clear choice.
England were good
English readers are saying "what about OUR performance?" Yes, yes I know, you won 3 Tests and bounced back from near oblivion with great aplomb. Alistair Cook has revealed that he nearly quit the captaincy in June after England suffered home defeat to Sri Lanka. His wife convinced him otherwise. After 2 Tests against India, a draw and a painful defeat at Lords and a whole lot of snicking to slip with no runs, Cook must've been thinking "gee thanks wife, now I'll be sacked in disgrace".
But Cook, the senior players and coach Peter Moores have orchestrated a thrilling fight back. Anderson was tremendous, Broad was great and Moeen Ali showed that he can get wickets (but remains questionable as a top 6 Test batsman). Gary Ballance looks all class and new keeper Jos Butler can play. Don't get too excited just yet. India were ordinary opposition and Australia's visit up north next year will be tougher.
Sri Lanka's batting legend is currently playing his last Test Match. He scored 54 in his final innings against Pakistan. The 37 year old has played 148 Test Matches, scored 34 hundreds and will finish with a batting average of 51+. A world class cricketer and great servant of for Sri Lanka. Many will mourn his loss, but Sri Lanka are producing exciting cricket talent and their Test future is bright.
Phil Hughes 243* in Townsville
The 2nd match between Australia A and South Africa A in Townsville finished in a draw after a washout on day 2. Seventy five mm of water fell during Friday disappointing myself and a few others who had organised a day off work. Townsville's long term August rainfall average is 15mm. A bookie would have offered you 100-1 if you'd said that 75mm of rain will fall on a Friday in Townsville in August, the day you plan to take off-work to watch a rare 1st class cricket match. Blue skies shone the next day and Phil Hughes scored a memorable 243 not out, earning an ODI call up for the Zimbabwe tour and staking a claim (again) on a Test recall. That might inspire groans from Aussies or laughs from Englishman, but Hughes is only 25. With further development he could still make it at Test level.
The 2 match series in Townsville was a success. It was reported over the weekend that Townsville City Council and Cricket Australia are negotiating the application to have Tony Ireland Stadium certified for Test Matches. Cricket Australia are impressed with the facility and suggest only minor upgrades – such as improved lighting for television broadcasts – would be needed to attain accreditation from the ICC. It would become the eleventh Australian venue to receive ICC approval. This would be a huge asset for cricket, Townsville and Northern Australia. Make it happen people.


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Elizabeth Bear's The White City is the third installment in her ongoing saga of Sebastien de Ulloa, vampire and wanderer in a universe somewhat different than out own in important respects.
This one is a double-pronged narrative, sandwiching the events related in the first book in the series, New Amsterdam. One prong relates the — well, I can hardly call them "adventures," but that will have to do — of Sebastien and his courtier Jack Priest in Moscow in 1897, where they move in the city's artistic — and, people being what they are, radical — circles. One name that keeps cropping up is "Starkad," who is, it seems, notable by his absence and is also, from all accounts, even older than Sebastien.
The other prong takes place also in Moscow, but in 1903. Sebastien and his courtiers Lady Abigail Irene Garrett, a forensic sorcerer, and Mrs. Phoebe Smith, an author, have come to Moscow to avoid the revolt in Britain's American colonies and impending war between Britain and France, in the beginnings of which they were unfortunately involved. Perhaps even more, they are fleeing Paris, the scene of Jack's death. And they find themselves once again caught up in the mystery of Starkad through the agency of Irina Stephanova Belotserkovskaya, a talented artist and once a member of the vanished Starkad's court.
The stories are built parallel, both involving murders, one brutal and abrupt, one carefully planned out and slow in execution. The victims, however, were not the targets, and the big question for Sebastien and Abby Irene is, who is?
Strangely enough, the narrative here seems somehow flat, uninvolved. Bear may be the victim of her own success: it's unfair to expect an author to consistently maintain the level she's achieved in Dust, The Stratford Man, or By the Mountain Bound, and yet we do. And this one doesn't.
Which is not to say there's anything wrong with it. I don't think Bear could write a bad book if she tried. It may simply be a case of a narrative that's too plainly stated, too distanced, too mundane, without the resonance we've come to expect from her. She hasn't left much for us to do in this one, and letting us, the audience, put together the pieces is a lot of what makes a writer engaging.
Well, not even Shakespeare was perfect.
(Subterranean Press, 2010)


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Golf El Rompido opened mid 2003 to fantastic reviews throughout Europe. The original El Rompido South Course is a challenging and beautiful course, and with the recent addition of the fabulous El Rompido North Course the reputation of this superb facility can only grow.
The El Rompido South Course itself sprawls across an intriguing mix of parkland and marshland and offers some amazing views at the walk from the 8th green to the 9th tee takes you across a 650ft pontoon right across the protected marshland where you can see freshwater crabs and an abundance of bird life.
The North Course has a good mix of holes with some challenging tee shots and approaches. Greens are quite large with a fair amount of slope. The fairways, particularly over the front nine are quite forgiving. Lateral water hazards and the occasional lake line the course but don't really come into play unless you hit a nasty slice or snap hook. The back nine is tighter and bit more technical. You need to be able to play a range of different shots and use most of the clubs in your bag. There are so many great holes, the 15th and 16th are a visual treat.
Are you interested to play this golf course? Check here our discounted green fees and book tee times Golf El Rompido online.


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Steampunk Saturdays: The Ringmaster
I am super pleased with how this outfit came out, and I really wish I had an event to wear it to. It's hard to pick a favourite hat out of all the ones Mandy lent me, but this one is one of my top choices. The feather/diamanté detailing on the front is lovely.
I'd originally shot this hat with a different outfit (which you will also see in a few weeks time) but I'd had a brainwave with the stripy tights which I spotted in my drawer. I really prefer this outfit so I'm glad I decided to go ahead with the idea. The tights are about 10 years old and left over from my teenage goth phase (I've cut the feet off at some point, I think because they'd laddered pretty badly) but I'd saved them for a future costume party or similar because I am a terrible hoarder. I'm really glad I kept them!
I've been wearing my hair straight a lot recently because I've been working really hard and I'm usually too tired in the evenings to be bothered with pin curling it after I've been in the shower. Since I'm working in the lab, I usually just stick it up in a ponytail and think no more of it. Having it both straight and loose looks really odd to me, just because I'm not used to seeing it. I wish there was a way of instantly curling your hair without having to go to any effort at all!
Hat - Natty Titfers | Vest top (just seen) - old, Tesco
Tights - high street somewhere | Skirt (pinned in place at sides) - old, Matalan
Waistcoat - stolen from my brother | Corset - Corsets UK | Belts - both Primark
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3 comments
Seriously cool outfit! I love everything about this eye-catchingly great look, that super fun hat very much included.ReplyDelete
Have a fantastic first weekend of fall, honey!
♥ Jessica
Such a cool look! 'Tis the season for costume parties, I might have to try and recreate something like this in the near future.ReplyDelete
This outfit is so fun! Looooove it!ReplyDelete


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MBSR and MBCT- Background
Mindfulness is not a new concept, the term mindfulness is a Western translation of the Pali word, sati, meaning awareness, attention, or, keeping in mind. Mindfulness practices have their origins in the 2,500 year-old tradition of Buddhism.
The secular practice of mindfulness in the Western world can be attributed to Jon Kabat-Zinn, who, in the late 70's developed an 8 week group program to assist patients living with chronic pain, in the pain clinic of a university–based medical centre, in Boston, Massachusetts. The program is now known as Mindfulness-Based Stress Reduction – MBSR.
With MBSR, Kabat-Zinn distilled the elements of Buddhist mindfulness practices applicable to Western health and psychology. As such, mindfulness-based approaches can offer universal applications, not tied to any religious or philosophical traditions, and can be considered as grounded in the universal dharma.
Both MBSR and MBCT are 8 week experiential group programs, taught by experienced, trained instructors who are expected to maintain their own mindfulness practice. Central to these approaches is the cultivation of mindful awareness, through the daily practice of mindfulness meditation practices. The core practices are the Body Scan, Mindful Movement/ Yoga, and Mindful Sitting meditations. These practices are guided in the weekly groups by instructors, and practised between the group sessions at home by group participants, initially with the support of guided CDs/ MP3s. During the course, group participants also experiment with ways to bring mindful awareness to their everyday living. Weekly group sessions also include discussion of participants' experiences of the mindfulness practices, along with psycho-education, exercises and activities that develop on participants' experiential learning, and draw links to their own lived experience.
MBSR has been used effectively with the general public, in the workplace, and in the management of chronic pain, stress, anxiety, eating disorders, fybromyalga, substance abuse and with cancer patients.. MBCT – Mindfulness-Based Cognitive Therapy – was developed originally to prevent depressive relapse in previously depressed individuals (Segal, Williams & Teasdale, 2002). MBCT uses the core curriculum of MBSR, and incorporates cognitive behavioural elements and exercises, and has been adapted for use with individuals with stress, anxiety and low mood.
Here is a link to a 10 minute video from The Center for Mindfulness, USA, where Jon Kabat-Zinn and colleagues give insight into the background and development of MBSR.
Jon Kabat-Zinn: Coming to our Senses
Good Practice Guidance for Teaching Mindfulness-Based Courses
These guidelines were established by the UK Network of Mindfulness-Based Teacher Trainers, 2010.
A Prior training or relevant background
- Professional qualification in clinical practice, education or social context or equivalent life experience.
- Knowledge of the populations that the mindfulness-based approach will be delivered to, including experience of teaching, therapeutic or other care provision with groups and individuals.
- A professional mental health training that includes the use of evidenced based therapeutic approaches (if delivering MBCT).
B Foundational training
- Familiarity through personal participation with the mindfulness-based course curriculum that you will be learning to teach.
- In-depth personal experience with daily mindfulness meditation practice, which includes the three core practices of mindfulness-based programmes – body scan, sitting meditation and mindful movement (plus the Kindly Awareness practice if teaching a Breathworks programme.
Mindfulness-based teacher training
C Mindfulness-based teacher training
- Completion of an in-depth, rigorous mindfulness-based teacher training programme/pathway over a minimum duration of 12 months.
- Development of awareness of the ethical framework within which you are working.
- Development of awareness and recognition of the limitations and boundaries of your training and experience.
- Engagement in a regular supervision process with an experienced mindfulness-based teacher(s) which includes:
a. Opportunity to reflect on/inquire into personal process in relation to personal mindfulness practice and mindfulness-based teaching practice;
b. Receiving periodic feedback on teaching from an experienced mindfulness-based teacher through video recordings, supervisor sitting in on teaching sessions or co-teaching and building in feedback sessions.
- Participation in a residential teacher-led mindfulness meditation retreat.
D. Ongoing good practice requirements
- Ongoing commitment to a personal mindfulness practice through daily formal and informal practice and attendance on retreat.
- Ensuring that ongoing contacts with mindfulness-based colleagues are built and maintained as a means to share experiences and learn collaboratively.
- Ongoing and regular process of supervision by an experienced teacher(s) of mindfulness-based approaches which includes the areas cited in C4 above.
- Ongoing commitment to reflective practice supported by for example, viewing recordings of own teaching sessions, connections with mindfulness teacher(s) and regular reading of books from the field of mindfulness.
- Engaging in further training to develop skills and understanding in delivering mindfulness-based approaches.
- Ongoing adherence to the appropriate ethical framework of your background.


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Pre-Owned Pianos
We sell so many fabulous new pianos, our stores get a continuous stream of excellent pre-owned – used pianos in trade from all over Los Angeles, Orange County, San Gabriel and Ventura County, including the most popular brands, such as used Steinway, Yamaha, Baldwin, Kawai, Pearl River and many more. We recondition the pianos, tune them up and offer a wide array of models and prices. Used pianos come with a 10 year warranty on parts with 90 days free service. Our used piano inventory is always changing, so visit often to find your perfect piano.


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desktop wallpapers
Collection by Kait tunnell
Georgiana Paraschiv | DesignLoveFest
Explore Georgiana Paraschiv's photos on Flickr. Georgiana Paraschiv has uploaded 1980 photos to Flickr.
MY FAVORITE FREE GALLERY ART - By Sophia Lee
Putting together a gallery wall can be hard, but finding gallery art prints that don't break the bank can be impossible! Here is the best FREE gallery art.


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Again Jesus spoke to them, saying, "I am the light of the world. Whoever follows me will never walk in darkness but will have the light of life." Then the Pharisees said to him, "You are testifying on your own behalf; your testimony is not valid." - John 8:12-20
Every preacher has a favorite gospel. Some love Luke and the way the tables are turned on the powerful. Some love Matthew and the power of the Sermon on the Mount. Some love Mark with its breathless urgency and drama. Some love John for its . . . its . . . I'm really not sure.
Because the flip side is that every preacher has a least favorite gospel and—for me—it's most definitely the gospel of John. I've always struggled with John for precisely the reason the Pharisees name in this passage. Jesus is always talking about himself! I get it, Jesus, You are the Son of God. I got it the first ten times You said it, can we please move on to the next topic? Like, say, how we should treat the poor?
But this is why it's important we have four gospels. Because preachers like me who want practical lessons need to wrestle with this mystical and cosmic gospel, this story of the pre-existent Word coming to dwell among us. Preachers like me who want to whip up turnout for the next social justice rally need to get up and say the words "For God so loved the world."
Because although we are allowed to have favorites among scripture, we're not allowed to ignore any of it, especially not the parts we find difficult.
O Word of God incarnate, You are the Way, the Truth and the Life. Help me follow You.
John Edgerton is Associate Pastor at Old South Church in Boston, Massachusetts.
Please review our Community Guidelines before posting a comment. If you have any questions, contact us.


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Health Highlights: Jan. 3, 2018
Here are some of the latest health and medical news developments, compiled by the editors of HealthDay:
Novel Diabetes Drug Battles Alzheimer's in Mice
British researchers report that a new kind of type 2 diabetes drug pulled double duty and reversed memory loss in mice engineered to develop Alzheimer's.
The mice were already showing signs of the symptoms associated with the brain-robbing disease -- including poor memory and trouble learning -- but the diabetes drug triggered dramatic improvement in the rodents.
The medication "holds clear promise of being developed into a new treatment for chronic neurodegenerative disorders such as Alzheimer's disease," lead researcher Christian Holscher, from Lancaster University, told the New York Post.
One Alzheimer's expert said the need is pressing.
"With no new treatments in nearly 15 years, we need to find new ways of tackling Alzheimer's," Dr. Doug Brown, director of research and development at the Alzheimer's Society, in England, said in a Lancaster University news release.
"It's imperative that we explore whether drugs developed to treat other conditions can benefit people with Alzheimer's and other forms of dementia. This approach to research could make it much quicker to get promising new drugs to the people who need them," Brown added.
The medication, known as a triple agonist, appeared to act on three fronts: it protected nerve cells; reduced amyloid plaques in the brain (which have been linked with Alzheimer's); and lowered inflammation, the scientists said.
The finding, published Jan. 1 in the journal Brain Research, is not a complete surprise: Type 2 diabetes has been linked to Alzheimer's in previous studies, the researchers noted. Also, insulin desensitization has been observed in the Alzheimer's brain.
While the research has only been conducted in mice and such findings often don't pan out in humans, the researchers said they have high hopes for the medications, the Post reported.
Trump Fires Obama-Era HIV/AIDS Council Members
President Donald Trump has terminated the appointments of all remaining members of the Presidential Advisory Council on HIV/AIDS (PACHA) who had joined the expert panel during the Obama years, CBS News reported.
The terminations come after the resignation earlier in 2017 of a handful of council members who said "Trump doesn't care about HIV" in a letter published in Newsweek.
Notice of the new terminations came to the remaining Obama-era appointees in letters received last Wednesday, according to council executive director Kaye Hayes.
"Changing the makeup of federal advisory committee members is a common occurrence during administration changes," Hayes said in a statement. "The Obama administration dismissed the George W. Bush administration appointees to PACHA in order to bring in new voices."
Gabriel Maldonado was appointed to the council by the Obama administration in 2015, and was among those terminated. Maldonado, who is founder and CEO of the HIV/AIDS and LGBT advocacy group TruEvolution, agreed that dismissals after a change in government aren't unusual.
But he told CBS News that such dismissals typically happen at the council's quarterly meetings, so the earlier timing suggests that the Trump administration isn't prioritizing HIV/AIDS or LGBT issues.
Asked whether he thought the new administration cares about these issues, he said, "Bigotry and homophobia have been around since the beginning of the country, sometimes it takes a voice for a particular type of sentiment to be resurrected."
NFL Tightens Concussion Protocol
The National Football League has toughened its concussion rules following an incident where the Houston Texans quarterback returned to the field after a hit that was hard enough to leave him on the ground with his arms shaking.
The more stringent guidelines for handling possible concussions during games were agreed upon by the league and the players' union, the Associated Press reported Friday.
Head injuries have been a serious concern in the NFL in recent years, and in 2017 the league reached a $1 billion settlement over concussion-related claims from more than 20,000 former players.
An expert will now watch games from a central location and have the authority to alert medical teams on the sidelines to investigate an incident, the wire service said. If the injured player shows signs of a seizure or similar responses, as the Texans quarterback Tom Savage did during a Dec. 10 game, they will be removed from play.
Savage was hurt when Elvis Dumervil drove him to the ground on a hit. Replays showed Savage looking dazed after his head hit the ground, with both of his arms shaking and lifted upward. He was taken to the medical tent where he stayed for less than 3 minutes before going back in for the next series.
After Savage threw two incompletions, the team doctor approached him. He was evaluated again and taken to the locker room after it was determined that he did have a concussion, the AP said.
In December, the Seattle Seahawks were fined $100,000 for not following concussion protocol with quarterback Russell Wilson during a November game. Seattle was the first team to be fined for a violation of the protocol. Seattle's medical staff and coaches also had to attend training sessions on the protocol, the wire service reported.
Dr. Hunt Batjer, the former co-chairman of the NFL committee on head, neck and spine injuries who chairs the department of neurological surgery at Texas Southwestern Medical Center in Dallas, told the AP that the latest moves were positive steps.
But he added that he believes more should be done to protect players.
"When a player has a suspicious either helmet-to-helmet or helmet-to-playing-surface hit and he's down on the field and play is stopped because of that play, then that person should be escorted to the locker room for a full exam," Batjer said. "So that should be added to this."
© 2020 HealthDay. All rights reserved.
Posted: January 2018
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New York, NY -- (ReleaseWire) -- 01/09/2013 --Aeropostale Inc. (NYSE:ARO), a mall-based, specialty retailer of casual apparel and accessories, is up sharply in mid-day trading today. At last check, ARO was trading 1.94% higher at $13.13 on volume of 2.63 million, which is above the daily average volume of 2.26 million. Despite the sharp rise today, ARO has fallen more than 1% for the week.
ARO has been trading sideways over the past couple of weeks, struggling to cross its 50-day moving average. A bullish trend will be established if ARO crosses its 50-day moving average. The stock currently faces stiff resistance at around $14.
Find out if ARO could maintain the momentum by getting the free full report here: http://www.wallstreetreport.net/market-scan/?symbol=ARO
Yingli Green Energy Holding Co. Ltd. (ADR) (NYSE:YGE), a China-based vertically integrated photovoltaic (PV) product manufacturer worldwide, is soaring in mid-day trading, tracking gains in the solar sector. Chinese solar stocks have been lifted by report that China plans to increase its solar installations in 2013.
YGE has also been gaining momentum after the company earlier this week announced that it expects module shipment for the fourth quarter to reach a new historical high. The company expects module shipment for 2012 to be more than 2.2 GW, which is above high-end of the company's shipment guidance of 2.1 GW to 2.2 GW.
YGE is currently trading 7.75% higher at $3.06 on volume of 3.72 million, which is well above the daily average volume of 2.37 million. YGE has gained more than 35% in the last five trading sessions.
Find out more on YGE by getting the free full report here: http://www.wallstreetreport.net/market-scan/?symbol=YGE
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Guanine nucleotide binding protein binds GTP when activated, which it hydrolyses to GDP. G-proteins are a form trimeric proteins, meaning they have 3 subunits, Alpha, Beta and Gamma. The trimeric protein is activated by the displacement of GDP with GTP through a conformation change in the receptor to which the G-protein is coupled, which in turn causes the release of the alpha subunit (Gsα). The active form of the protein can interact with a number of downstream effectors such as adenylyl cyclase (producing cAMP from ATP), and phospholipase C (PLC).
G-proteins can be divided into two families - the heterotrimeric G-proteins and the small or mono-meric G-proteins, which are mainly involved with enzyme-linked receptors[1].
G-protein coupled receptors (GPCRs) upon binding of a stimulus (in the form of a signalling ligand molecule) activate their coupled G-protein.
The structure of a GPCR is of a serpentine receptor, with 7 transmembrane spans, with 3 exoloops and 4 cytoloops. The N-terminal is found on the extracellular side of the membrane and the C-terminal found on the cytosolic side of the membrane.
G protein families
There are 4 major families of heterotrimeric G-protein. G-proteins are divided based on the homology of their alpha subunit. Each receptor only affects one type of G-protein[2].
There are 20 alpha subunits, 6 beta subunits and 12 gamma subunits in human that make up the diversity of G-proteins.
Heterotrimeric G-proteins contain three subunits: alpha, beta and gamma. In the inactive form, all three subunits are associated together and GDP binds to the alpha subunit and the alpha and gamma subunits are covalently bonded to lipid molecules in the membrane[3]. On activation, there is a conformational change in the alpha subunit, which now binds to GTP and dissociates from the beta-gamma complex. The alpha subunit and beta-gamma complex can now interact with different effectors to bring about a response. The GTPase activity of the alpha subunit causes the loss of GTP from the binding site in the alpha subunit, and another GDP binds, resetting the system[4]. G-proteins can be classified as either trimeric, which are seen bound to G protein-coupled receptors, or as monomeric, which lack the three different subunits that trimeric G-proteins have[5].
Family I
Consists of Gs and Golf. The alpha subunit mediates the function in both G-proteins. Gs activates adenylyl cyclase and Calcium ion channels while Golf activates adenylyl cyclase in olfactory sensory neurons.
Family II
Consists of Gi, Go and Gt. The alpha subunit of Gi inhibits adenylyl cyclase while the beta-gamma complex of Gi activates potassium ion channels. For Go, the beta-gamma complex activates Potassium ion channels and at the same time inactivates Calcium ion channel. Both alpha subunit and beta-gamma complex of Go activate phospholipase C-beta. The alpha subunit of Gt activates cyclic GMP phosphodiesterase in vertebrate rod photoreceptors.
Family III
Consists of Gq. The alpha subunit of Gq functions to activate phospholipase C-beta.
Family IV
Consists of G12/13. The action of alpha subunit of G12/13 is to activate Rho family monomeric GTPase.
- ↑ https://courses.washington.edu/conj/bess/gpcr/gpcr.htm
- ↑ Bruce Alberts, Alexander Johnson, Julian Lewis, Martin Raff, Keith Robers and Peter Walter(2008) Molecular Biology of The Cell, 5th edition, USA: Garland Science. pg 919
- ↑ https://courses.washington.edu/conj/bess/gpcr/gpcr.htm
- ↑ Alberts et al., Molecular Biology Of The Cell, Fifth Edition
- ↑ Alberts B, et al. Molecular biology of the cell, 6th ed. New York: Garland Science, Taylor and Francis Group; 2015.


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By Neil Vigdor
With the ink still drying on a second chance society initiative endorsed by black community leaders in Connecticut, Gov. Dannel P. Malloy was recognized Tuesday for his work by President Barack Obama at the NAACP's national convention in Philadelphia.
Malloy was one of two governors invited by Obama to attend a major policy speech to the group on criminal justice reform, the other being fellow Democrat Tom Wolf of Pennsylvania.
Signed into law last week by Malloy with bipartisan support, the legislation reduces the penalty for personal drug possession from a felony to a misdemeanor and eliminates mandatory jail time for offenders.
"Gov. Dan Malloy of Connecticut is here today," Obama said in his opening remarks.
The policy shift mirrors similar reforms in other blue and red states, which are focusing limited law enforcement resources on violent crimes as they seek to address prison overcrowding. Obama called for a similar recalibration at the federal level, saying that the current punishment meted out for non-violent crimes disproportionately affects minorities.
"There's a long history of inequity in the criminal justice system in America," Obama said. "This is not just barbershop talk. African Americans are more likely to be arrested. They are more likely to be sentenced to more time for the same crime."
Obama's invitation is the latest show of confidence by the president in Malloy, a former prosecutor and former mayor of Connecticut's third largest city, Stamford.
Last year, Obama campaigned for Malloy's re-election multiple times in the state, singling-out the governor for his efforts to raise the minimum wage, pass paid sick leave and support gun control.
"Our state should be proud -- the president is emphasizing at a national level many of the steps we've recently made here at home," Malloy said in a statement. "Criminal justice reform is too important to ignore, for individuals and their families, for our communities, and for our nation. That's why we've led by making Connecticut a second chance society -- and that's why we're so pleased President Obama is showing such extraordinary leadership at the federal level."
Obama listed Connecticut as one of several states that have made strides on crime.
"There are states from Texas to South Carolina and from California to Connecticut who have actively reduced their prison populations over the last five years and have seen their crime rates fall," Obama said.
Republicans challenged Malloy's record on crime, referencing Hartford's dubious distinction as the current murder capital of the Northeast with 16 homicides this year.
"As long as we recognize that Bridgeport, New Haven, Hartford and New London consistently appear in the nation's top-100 most violent cities list, and while Dan Malloy celebrates, families in those communities are no safer," said J.R. Romano, the state GOP's newly-elected chairman.
(c)2015 The Advocate (Stamford, Conn.)


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Adrianna Mott
Digital Entertainment Technology
Adrianna Mott from Booneville, AR is a student who has shown real initiative when it comes to her education. Although this is only her first year at ACU, she is already a junior by hours thanks to a program which credited students at both the high school and college level.
Before entering high school, Adrianna knew she was interested in pursuing game design. While searching for colleges, ACU reached out and offered her a scholarship. When she visited the campus, she got to talk to professors in the department. The department had begun working with VR, which not many other colleges were doing. Adrianna knew that the courses ACU was offering would help in the pursuit of her passion.
One of those courses focuses on creating AR/VR in a variety of game engines. It teaches coding in game engines such as Unity, Unreal, and BabylonJS. This provided a challenge for Adrianna because she didn't learn any coding languages before college. Thankfully, she took a course on Scripting her first semester. It introduced her to the fundamentals and helped in the preparation for more advanced classes. It wasn't long before, she gained confidence in her ability to code.
Adrianna also gained experience when she participated in a Mechanical Engineering internship. It involved measuring machines and creating a 3D model of it using Autocad. She also worked as a tutor and a teachers assistant in the department. Lately, she has been working on advertising for DET, making videos for prospective students.
There is a variety of chapels across campus for students to participate in. One of Adrianna's favorites is DET Chapel. It is a small group on campus that talks about ways they can connect with God through their work. She is also helping the DET Chapel group on a virtual reality church. She has created 3D models as well as conducted research on the impact the virtual church could have.
As a personal project, she is working on a VR educational game for kids. The concept is that users get to "walk through the alphabet." They can interact with objects, see the letters, and hear the words. The hope is that this type of visual and auditory experience will help kids with different learning types. ACU is sponsoring her to conduct research on its effect. A few other students have pitched in to create trailers and splash screens for it.
When it comes to her faith, Adrianna enjoys the atmosphere that ACU provides. "It is a strong community. I have met so many like-minded friends." She also appreciates the variety of worship opportunities such as Praise Day and DET Chapel, stating, "It is such a different atmosphere, but you are still connecting to God." To learn more about ACU and is Digital Entertainment program, click here.


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Flea League (Ages 6-8) Fee $45
Mite League (ages 9-10) Fee $45
Try-outs: Mite League – 11:30 a.m. on 8-19-17; Flea League – 10:00 a.m. on 8-19-17
Weight Limits: Neither age group will have a maximum weight limit. Flea players over 100 pounds and Mite players over 125 pounds will be required to play on the line of scrimmage tackle to tackle and must be in a 3 or 4 point stance.
Age Control Date: Sept. 1, 2017; Flea participants cannot turn 9 before Sept. 1, 2017
Registration Dates: July 17 – August 18 at 5:00 p.m. Registration after try-outs will be by waiting list only. Registration after August 18th will require a $5 late fee. No exceptions!
Practice Dates: First Practice will be August 29, 2017; All practices will be Mondays, Tuesdays & Thursdays from 6:00 – 7:45 p.m. at Kaolin Park.
Equipment Issuance: Flea League will get equipment on Thursday, August 24 from 6:00 – 8:00 p.m. in the KP Gym and Mite League will be fitted on Monday, August 28 from 6:00 – 8:00 p.m. in the KP Gym. Players must attend to be properly fitted and find out what team they are on. If you will miss this day, set up a time with staff personnel during practice time to be fitted. Office staff will not be allowed to issue equipment to players or parents!
Children will be responsible for providing chin straps, mouth pieces and pants. These will be available for purchase from WCRD. Prices are as follows: Pants – $25; Chin Strap – $2; Mouth Piece $1. Weight will be determined by WCRD scales. No exceptions! All players will be weighed at try-outs. If a player's weight doesn't meet eligibility, parents and players will be notified.
First practice will be August 29, 2017
There will be no practices on Monday, Sept. 4th due to the holiday.
Flea (ages 4-8) & Mite (ages 9-12) Both age groups will cheer for contact football.
Age Control Date: Sept. 1, 2017
Fee: $45 through August 20, 2016 at 5:00 p.m.; Registration after August 20th will require a $5 late fee.
Practices will be held in the Kaolin Park Gym from 6:00 – 7:00 p.m. on August 29, 31, Sept. 5, 7, 12, 14, 19 & 21. First Football Games are scheduled for Septebmer 23, 2017.
Cheerleaders will cheer at all home WCRD games. The coordinator will make every effort to put friends together, but being placed on the same team cannot be guaranteed. Tennis shoes must be worn at all practices.
Mandatory Meeting for Cheerleaders & Parents: Saturday, August 26, 2017 @ 10:00 a.m.
This meeting will determine if enough girls are signed up to conduct this program. At least 5 girls will be needed per squad. Requests will be taken for friends wanting to cheer on the same squad. Girls will be fitted for uniforms and team moms will be secured for the squads. If you want your child to have bloomers underneath their skirt, the fee must be paid during this fitting time. Two team moms will be need for each squad. If you volunteer, please plan to attend all games to provide supervision for the team.


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Theresa May and her ministers have made a number of strong commitments ahead of Brexit talks – and that's before you consider the wild promises such as giving an extra £350 million a week to the NHS pledged by Brexiters during the referendum.
Here's our guide to how likely the government is to keep its word.
1. EU budget
"We will not be required to contribute huge sums to the EU budget."
Theresa May, Lancaster House Speech, 17 January
The prime minister will struggle to keep this promise if she wants a deal. The EU has made clear it is looking for around £50 billion to meet our past commitments – and its legal case looks strong. Perhaps the government will make a huge contribution but argue it wasn't "required" to or that the money was sent to the EU but not its normal "budget" – or use some other weasel words.
2. Trade with Europe
"A comprehensive free trade agreement and a comprehensive customs agreement that will deliver the exact same benefits as we have."
David Davis, statement in House of Commons, 24 January
Keeping all the benefits of the single market and customs union while not following their rules seems impossible.
3. Trade with the rest of the world
"Ensuring that there is no disruption of our free trade with Canada, or any other partner, is a top priority for my department."
Liam Fox, speech to the Toronto Board of Trade, 26 January
Perhaps Fox can engineer a seamless transition on trade with Canada. Pulling off a similar trick with the 50-plus other countries with which the EU has trade deals looks super-ambitious.
4. Scotland
"To build a more united nation … Never allowing our union to become looser or weaker, or our people to drift apart."
Theresa May, speech to DfID in East Kilbride, 27 March
With Nicola Sturgeon calling for another Scottish independence referendum, it's quite ballsy for the prime minister to be promising a more united kingdom.
5. Northern Ireland
"We will work to deliver a practical solution that allows the maintenance of the Common Travel Area with the Republic, while protecting the integrity of the United Kingdom's immigration system."
Theresa May, Lancaster House speech, 17 January
It will take ingenuity to devise a way to keep the border between Northern Ireland and the Republic of Ireland open, while ensuring EU citizens can't move into the UK freely via Ireland and honouring Ireland's commitment to free movement as an EU member state.
6. European Court of Justice
"We will … bring an end to the jurisdiction of the European Court of Justice in Britain."
Theresa May, Lancaster House speech, 17 January
This promise doesn't just limit the shape of any future relationship we'll have with the EU. It could make it tricky to reach a transitional trade deal too. Will the prime minister give herself any wiggle room as the talks progress?
7. Rights for EU citizens living in the UK
"We want to guarantee the rights of EU citizens who are already living in Britain, and the rights of British nationals in other member states, as early as we can … we could give people the certainty they want straight away, and reach such a deal now."
Theresa May, Lancaster House speech, 17 January
Well, "straight away" never happened. May's government even fought an amendment on the issue in the "Brexit Bill". "As early as we can" could still mean a few months if EU chief negotiator Michel Barnier's analysis is correct.
8. Workers' rights
"Not only will the government protect the rights of workers set out in European legislation, we will build on them."
Theresa May, Lancaster House speech, 17 January
Work on this pledge has apparently already begun, with a "government crackdown" on exploitation of self-employed workers in the gig economy.
9. Research and innovation
"From space exploration to clean energy to medical technologies, Britain will remain at the forefront of collective endeavours to better understand, and make better, the world in which we live."
Theresa May, Lancaster House speech, 17 January
The prime minister said her government would "welcome agreement to continue to collaborate" on science and technology. That's less straightforward considering May's stance on EU immigration – just ask the Swiss.
10. Justice and security
"Keep our justice and security arrangements at least as strong as they are."
David Davis, statement in Commons, 10 October
We should be able to maintain good cooperation to fight terrorism and crime – given that there's a strong common interest in doing so. But given that we won't be sitting round the table at the Councils where these things are discussed – and, in some cases, it will be legally hard to fit us into existing structures such as the European Arrest Warrant – the promise that our new arrangements will be "at least a strong" looks optimistic.
11. Migration
"I also remain firm in my belief that we want to get net migration down to sustainable levels and the government believes that is tens of thousands but it will take some time to get there."
Theresa May, Prime Minister's Questions, 20 July
The prime minister reaffirmed the government's migration target, but abandoned David Cameron's 2020 deadline. It's a common trick by politicians to set a numerical target without a deadline – or vice versa. It's hard then to pin them down.
And finally…
12. No cliff edges
"A phased approach, delivering a smooth and orderly Brexit."
Theresa May, Lancaster House speech, 17 January
A laudable aim, but one that seems totally at odds with Theresa May's assertion that "no deal is better than a bad deal". Walking away from the EU without a deal would be bonkers, and almost certainly break this promise.
Edited by Hugo Dixon


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"Cleanse me from my unknown faults! From wanton sin especially, restrain your servant." — Psalm 19:13b-14a
Sept. 27, Twenty-sixth Sunday in Ordinary Time
Cycle B. Readings:
1) Numbers 11:25-29
Psalm 19:8, 10, 12-14
2) James 5:1-6
Gospel: Mark 9:38-43, 45, 47-48
By Sharon K. Perkins
Catholic News Service
If you have any exposure at all to social or news media, you cannot escape the relentless public discourse about sin — even if the "s" word isn't used. Behaviors that used to be whispered about in private, especially if committed by public figures, are now analyzed, condemned, applauded and endlessly commented upon for all to see. Following scandals through the news cycle has become a popular pastime.
This Sunday's readings are all about public sin and hidden sin, how condemnation of the former can serve as a smokescreen to conceal the latter, and what "scandal" really means.
Joshua, Moses' longtime aide and a God-fearing man, responded with the best of intentions when he learned about Eldad and Medad prophesying in the camp in the same fashion as the 70 elders of Israel who had received the Lord's spirit. Scandalized, he protested to Moses — who saw through Joshua's public complaint to the jealousy hidden beneath.
The apostle John had a similar grievance when he observed someone outside Jesus' inner circle driving out demons in Jesus' name. John's well-meaning objection concealed a deeper prejudice that led him to try to prevent the outsider from doing good. Jesus exposed John's hidden sin and corrected his faulty perspective in short order.
James' epistle makes the claim that even the well-concealed injustices committed by rich and influential people will eventually see the light of day — the cries of their victims will reach "the ears of the Lord of hosts," ensuring that hidden sin will one day be seen for the public scandal that it is.
These days, Christians can point to many public policies, cultural shifts and immoral behaviors that are objectionable to people of faith, and they can quite reasonably claim to be scandalized. The Catechism of the Catholic Church states that "scandal is an attitude or behavior which leads another to do evil." Those who have power to influence have a particular responsibility to avoid causing scandal, it says. That certainly applies to those of us within the church who can find it much too easy to conceal our own faults behind our public comments on the sins of (Read More)
Source:: https://cnsblog.wordpress.com/2015/09/26/word-to-life-sunday-scripture-readings-sept-27-2015/
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Friday nights till late Spring at Zeta Bar
One way to spice up your Fridays
"See burlesque performers and extreme cabaret acts with a touch of devilish debauchery, much oddity and a guaranteed excess of dark humour and shock value. Zeta Extreme Cabaret is a delicious celebration of the bizarre, served with side of lunacy and luxe-Zeta Style and well lubricated with prohibition-style cocktails, mystifying molecular cocktails and delectable nibbles."
Thanks to Lorna O'Neill from Hilton Sydney for inviting me along to the launch of Extreme Cabaret. The Zeta Bar was colourfully transformed and decorated with matching party lighting and music to create a very fun atmosphere. If you don't mind drinking nitro smoking cocktails out of a brown paper bag, shooting your mouth with absinthe from a syringe and popping a pill of sherbet at the same time then this might be your kind of event. I found myself in front of a bit of burlesque skin exposure, fire breathing juggling and a dwarf that energetically performed to Lady Gaga — or was that just the absinthe working on my mind? It's a little bizarre and certainly different to what you'd find at your local pub. Entry is free and includes the entertainment which is a pretty sweet deal in my books when you consider people pay good money to see performances like this. I now know where I'll want to be every Friday with a prohibition-style cocktail in one hand and a delectable nibble in the other.
PROS: Fantastic atmosphere and ambience, Free entry and entertainment, It's on a Friday so relax and party hard
CONS: Cocktails may give you a serious hangover, Not sure how much the cocktails are
MUST TRY: All the cocktails
Something a little risque from Scarlett Night
Lady Gaga dwarfing around
Playing with fire
Bend and stretch
A few touchups available in the toilets — don't forget to tip!
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MediaWorks has announced it is moving to sell digital banner ads only when they've been viewed by a user, a move the company says is a first for a New Zealand publisher.
In some cases, buyers of online advertising have found themselves paying for ads that are loaded when a user visits a web page, even though the user hasn't seen all the ads because they haven't scrolled down far enough.
The Interactive Advertising Bureau, or IAB, a group that develops industry standards for digital advertising, considers a display ad such as a banner to be "viewable" when at least 50 percent of the ad has been on a user's screen for at least one second.
Last year, The Wall Street Journal reported on differences in opinion within the advertising industry about what should constitute a "viewable" advertisement.
MediaWorks announced this week it is guaranteeing all banner ads sold across desktop browsers, smartphones and tablets will meet the IAB standard. The company says it is the first New Zealand publisher to make this commitment.
"Our in-stream video ads are already viewable by the nature of the viewer watching content on screen, but until now we haven't been able to offer this same benefit for all banner ads delivered," says John-Paul Randall, MediaWorks Head of Digital and Ad Strategy.
MediaWorks says its move follows feedback from the industry about viewability of ads, and the change is being implemented at no extra cost to customers.
The viewability of ads will be verified by MediaWorks' third-party digital ad server, DoubleClick, which is a subsidiary of Google.


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The importance of a seamless design
In a world where attractive things matter, design affects everything. From choosing a car, to buying a mobile phone or a piece of art - it impacts our purchase decisions. First impressions are powerful, and despite how popular your brand is, the way your emails are designed can play a major role in the success of your business.
Far too frequently we open an email from a brand we love and are instantly disappointed. We've seen it all before; too much content, busy colours, shouty and digressive messages that say very little, and an assortment of buttons demanding you 'click here' - it has no impact. The email ends up straight in our trash, along with other messages we've been hounded with - and a potentially loyal customer is lost.
Seamless email design starts with a great understanding of the technical constraints. Thorough knowledge around the quirks of email clients and the tricky waters of rendering, will allow pixel-perfect emails that respond across a range of devices to be delivered. This is the basis to a streamlined customer-experience.
Then there's the content. You can lead a horse to water but you can't make him drink…
The purpose of each email is important and must be instantly clear for your user. Copy and content should be used to tease and entice your audience to click - and not to relay everything that can be consumed on a website. Snappy copy that engages and informs the reader, directing them to the next stage in their journey, is key to attracting attention in an increasingly competitive and crowded inbox space. It's also far more likely to drive action.
Reading an email should be effortless and engaging. Everyone today is an Instagram professional - we enjoy scrolling through attractive imagery; it's addictive. Using beautiful images to enhance messaging and guide users through content will captivate your users and make your email easy to digest.
Email is going through a period of innovation. Website-style functionality is being brought to the inbox and interactivity, video content and animation are becoming the 'next big thing'. At Draw Connect, we're constantly finding new methods to increase engagement and ROI through email, using enhancements that make our client's communications distinct from the chaos their customers receive.
We take pride in every pixel...
To check out more of our design work, click here.


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Waunarlwydd held to a draw with Bonymaen on a Saturday which resembled a Christmas hangover; cloudy, rough and full of regret. A depleted Waunarlwydd side with a few players playing out of position were unlucky not to win the game, but a draw was probably a fair result.
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When it first becomes apparent you need a lawyer, you may be at a loss as to where to begin. Fear not. Finding the right lawyer just takes a willingness to learn a little about the law and who is best equipped to represent you. Continue reading for more information.
You need to get a good lawyer immediately if you have been accused of a major crime. Try not to do anything by yourself, since this may mean you're breaking the law. You are in a serious situation, and you need the assistance of someone with training and experience.
Don't be afraid to ask your lawyer anything. A good attorney will make sure to explain all of the details to you. If your lawyer is not doing a good job of explaining what he or she is working on, you should consider hiring someone else.
Don't give your lawyer an enormous retainer up front. Make sure that you are going to be refunded for any money that isn't used if you do put up a retainer. You also need to check with others, because there are attorneys that will charge you a small retainer, charging you later for anything additional.
Trust is an extremely important part of the lawyer-client relationship. This is very true if you're trying to get a lawyer to deal with professional or business needs. Retainer fees and signing blank checks are common requests of lawyers there. In such cases, your financial future is at stake. Protect yourself as much as you can.
When choosing your lawyer, be sure to look at their reputation as deeply as you can. Your local bar along with online reviews can help your determine if he is the best choice. Doing this will save you a great deal of money, time and irritation as time passes.
Talk to your local bar association to check out any lawyers you're considering. If they have some, read into them and make your judgments on whether you want to hire them.
Before your attorney starts to work on your case, sign a contract that outlines the fee structure. You can then put all financial issues aside, focusing on the case. You can also prepare your finances more accurately.
Hire a lawyer who specializes in cases such as yours. There are lawyers who specialize in certain criminal cases, real estate, intellectual property laws, and lots more. Get the right lawyer the first time, so you don't have to make changes to your team later on.
Be well prepared for your initial consultation with all the necessary documentation. This will save you money. Having all the necessary information on hand will help the attorney give you an accurate estimate of fees. You can reduce fees by being efficient.
Once you get these tips under your belt, it is easier to find the lawyer who will be right for your legal issues. Shopping for a lawyer is a lot like shopping for other services. Just start making some phone calls, ask plenty of questions and you will be on your way to getting the help that you need. Best of luck to you.
Don't Waste Time Or Money On A Lawyer Without Reading This!
If you are stuck with legal issues, it's important that you have representation. Finding the right lawyer for the job isn't always easy, but it is your best bet. The following article will give you some great advice for choosing the right lawyer for your case.
Always know how to get a hold of your lawyer should you need him. Being unable to reach a lawyer is a common complaint. This can lead to a lot of issues, not the least of which is the fact that you will wonder if you are getting adequate service or not.
A real estate lawyer is a necessity if your legal problem has to do with either buying or selling a home. They are specially trained in real estate law, and will be able to give you the best possible advice.
Never go with the first lawyer you see in the phone book when you need one. Do some background research and ask people you know for recommendations. You may even find that you've hired a lawyer without a valid license or one who has been sued for malpractice. It is always better to be safe than sorry.
Ask all lawyers that you visit for proof that they have won cases like the one you are fighting. The fact that an attorney specializes in handling cases like the one you have does not guarantee he will win yours. Ask the lawyer for examples of cases they fought that were similar to yours.
When choosing a lawyer, research their reputation thoroughly. The Internet will help you do this, as will the bar association near you. This can save you a ton of time, aggravation and money later on.
Have plenty of questions ready when meeting with prospective lawyers to handle your case. During a first meeting, the lawyer must demonstrate a willingness to address your concerns, even if you are not being charged for it. They need to make you feel comfortable. If they don't, move on to the next consultation.
A good tip if you're going to be working with a lawyer soon is to communicate as best as you can with your lawyer. If your lawyer needs something pertaining to deadlines for your case, be sure you give it to them. You will only help out your case if you communicate well with them.
There is nothing fun in a court case. They are able to go from being bad to terrible if you're not represented correctly. With any luck, this article should have helped you with tips for navigating our court system and winning your case.


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Ever wondered why more candidates are not challenging the status quo? Or maybe you're looking for a candidate that will create a change in corrupt government practices. This interview with Todd Schleiger is for those who are sick of the two party system and want to hear out an independent candidate that can make true change across both aisles. Todd is running for Michigan Governor this year and is running on an Independent Ticket. What truly set apart this interview was that the candidate was open, honest and willing to answer the hard questions that Tanner and his far left leaning ideologies threw at him. Get to know a candidate that is eager to make a change and upset at our current administration's lack of priority for Flint Michigan. This interview will not be dull and if we as constituents want to help tear down a two party stalemate, we recommend giving this Todd Schleiger a chance.
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