text:
How CISA Threatens Both Privacy and Cybersecurity
Information sharing just doesn't work like CISA advocates imagine.
This May, Congress is expected to come together on a bill to protect private entities that secretly share user data with federal agencies. Privacy advocates say the Cybersecurity Information Sharing Act (CISA) threatens Americans' civil liberties by sanctioning yet another avenue for government surveillance. But there's another big problem as well: CISA is unlikely to meaningfully prevent cyber-attacks as proponents claim, and could ultimately weaken cybersecurity.
The stated premise behind laws like CISA (and the defeated 2013 Cyber Intelligence Sharing and Protection Act) is that cyber-attacks can be prevented if private network operators are able to quickly report and disseminate information about new threats and vulnerabilities. Proponents envision a seamless, national cybersecurity-threat system to roust the hackers, coordinated by the federal government.
Existing private and public information sharing initiatives do not go far enough, CISA advocates claim, because private companies fear lawsuits from customers who may not agree that their security is improved when spooks can surreptitiously search their personal data. To overcome this purported problem, CISA would extend legal immunity to corporations that choose to grant the Department of Defense (DOD), Department of Homeland Security (DHS), and Director of National Intelligence (DNI) access to customer data considered relevant to a "cybersecurity threat." This data could then be shared or concealed at federal agencies' discretion.
But CISA's legal remedies far exceed proponents' justifying foundations. Section 5(d) of the bill text, which governs how federal agencies can use information gleaned from the private sector, grants the government authority to "disclose, retain, and use" any data extracted under CISA for such disparate purposes as identifying terrorists, responding to threats of bodily or economic harm, preventing child exploitation, or prosecuting normal criminal offenses. Including such unrelated authorizations could distract from a primary cybersecurity mission and create dangerous incentives for officials to procure information for criminal investigations under false premises.
Ironically, we may be partially inoculated against such potential abuses by the federal government's lack of technological prowess. The sophisticated coordination required to pull off a CISA-style information-sharing network is easier said than done, as previous failed experiments of this kind corroborate. The federal government has a longstanding inability to effectively share information even with itself; at least 20 separate information-sharing offices exist, with little coordination (or even knowledge) of each other's ventures. Somehow, this bureaucratic cacophony did not prevent the 1,012 percent increase in reported federal information security incidents since 2006.
The feds' poor history of internal information-security provision renders it an especially poor candidate to manage the sensitive data of an entire nation. Alarmingly, almost 40 percent of all security breaches reported over the past six years involved the personally identifiable information of personnel and civilians. The agencies that would be most empowered under CISA reported some particularly boneheaded bloopers. DOJ employees downloaded malicious software from sketchy websites onto agency equipment 182 times last year. A reported 1,816 DHS computers simply vanished without a trace. The DOD had a nasty malware problem as well, with 370 incidents reported during fiscal-year 2014. Entrusting reams of juicy private data in the clumsy care of these three stooges of information security could create an irresistible target for lulz-hungry hackers.
Sophisticated software tools have not helped government agencies, either. In 2003, the DHS created the National Cybersecurity Protection System to detect and analyze network intrusions, share information with relevant offices, and prevent and repel network breaches for all civilian federal agencies. Its vaunted three-part EINSTEIN software suite, designed to automate federal network intrusion monitoring and prevention, turned out to be an expensive dud, too technologically crude to handle the complex central identification and communication efforts necessary. And there may never be a powerful enough EINSTEIN to adequately coordinate and respond to the massive amounts of private data that would be collected under CISA.
Even if we could remove CISA's sketchy non-cybersecurity provisions and turn the federal government into a godly font of efficiency, CISA would fail to improve cybersecurity because information sharing just doesn't work like CISA advocates imagine it does.
As security researcher Robert Graham points out, these kinds of programs devolve into a kind of overwhelming "false positive sharing system." Seasoned hackers know how to easily evade detection, so mostly false alarms are triggered. Innocent parties' online activities are thus more likely to be hoovered up and analyzed than capable cybercriminals' signatures. And by the time analysts can sort through the terabytes, they may find that sharing that information can do little to prevent an attack anyway. One survey of information security professionals found 87 percent did not believe CISA will significantly reduce security breaches.
Insufficient "information sharing" is only one small issue among many larger problems plaguing network security. Industry studies find that external attacks only constitute 37 percent of reported root causes; system glitches and human error respectively make up 29 percent and 35 percent of the remainder. These kinds of vulnerabilities can be patched through user education, strong authentication, and proactive system testing and improvement—not backwards-looking information sharing.
CISA's sole emphasis on this small component of network security could instill a dangerous complacency among those who feel following the feds' lead absolves the need to proactively anticipate threats and continually improve security practices. If enough people believe that their cybersecurity is "taken care of" because the government will alert them to any threats, CISA will serve to ultimately weaken cybersecurity by causing users and operators to neglect critical factors arguably more imperative for robust cybersecurity.
CISA actually bucks the usual liberty/security trade-off, because it threatens our civil liberties without meaningfully improving cybersecurity—and could potentially even weaken it. We should dump this Trojan and focus on developing bottom-up, collaborative security practices that will actually work.
Photo Credit: ITU Pictures/Flickr
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But we must do something; this is something; therefore we must do this. Surely this time the fire will save us from the frying pan. Or do you just want the terrorists to win?
But we must do something; this is something; therefore we must do this.
Surely this time the fire will save us from the frying pan.Or do you just want the terrorists to win?
It's not like they keep track or care. Doing something is a legislator's full-time job after all.
If you want to discourage terrorism, kill terrorists and bring down governments that support them. Do so directly, bluntly, and efficiently, and when the "International Community" (of hand-wringing moral superiority junkies) complain, say "There's plenty more where that came from. Want some?"
Don't stay behind to rule. Don't "Nation Build". Target those who have gone to some trouble to come to our negative attention, kill as many as you can find, and LEAVE.
And stop spying on U.S Citizens. The majority of the idiots who back Terrorist cells will make themselves bloody obvious without pawing through everyone's cyberfiles. The few really clever ones won't get caught except by betrayal or accident.
But how will politicians get elected without doing something? And how will agencies justify their budgets? And how will other agencies prosecute drug crimes if they actually have to get warrants?
Why do you hate the childrunz? Why do you want the terrorists to win?
Surely this time the fire will save us from the frying pan.
Ironically, isn't this what Sheldon Richman was arguing this morning vis-a-vis the 16 election?
"Institutions will try to preserve the problem to which they are the (perceived) solution" - Clay Shirky
"No way. That's 12 inches!"
"I promise only to put in 6 inches, babe."
Be afraid, America. The FBI says the Islamofascist twitterati are out to git us.
We're losing. ISIS is kicking our ass on social media. We're DOOOOOMED.
This is why we have to do away with that pesky free speech thing.
I also hear they have secret Mexican training camps and there are like 18 billion fundamentalists in America right this instant.
This May, Congress is expected to come together on a bill to protect private entities that secretly share user data with federal agencies.
I was wondering how is this different from the FISA amendments (see H.R.6304)
Grants telecommunications companies immunity for cooperation with authorities
"Release from liability.—No cause of action shall lie in any court against any electronic communication service provider for providing any information, facilities, or assistance in accordance with [an order/request/directive issued by the Attorney General or the Director of National Intelligence]." [21]
That was the result of the whistleblowing story about the AT&T's Room 641A
After reading some more, it sounds like CISA lays out procedures for the companies to be proactive, or automatically share info, instead of the government constantly making requests to FISA to wiretap or obtain info from companies.
Thanks for doing the leg work for the exact question I was thinking. I come to the comments because I'm lazy.
So it sounds like it shift the burden from government to the corporations. Since corporations are evil and feds are good, honest over worked public servants this clearly makes sense...
private companies fear lawsuits from customers who may not agree that their security is improved when spooks can surreptitiously search their personal data. To overcome this purported problem, CISA would extend legal immunity to corporations that choose to grant the Department of Defense (DOD), Department of Homeland Security (DHS), and Director of National Intelligence (DNI) access to customer data
So DOD, DHS, and DNI would then fear those lawsuits? Right? RIGHT?!
That's rich!
We should dump this Trojan and focus on developing bottom-up, collaborative security practices that will actually work.
"Congratulations! You're our new Cybersecurity Manager. Any "incident", and you'll be executed like your predecessor."
The immunity side of this seems to be the biggest threat to me. One of the things that kept us on our toes from a security standpoint was the constant fear of lawsuit. Being in the healthcare industry meant there were HIPAA rules breathing down our necks at all time. The idea that 60 minutes would be at our door the instant one fucking social security number got into the wild is a powerful motivator indeed.
So Sheldon Richman is just actively trolling at this point, correct?
You mean, Noam Chomsky-like, claiming to be against all forms of state structures, but supporting statehood for the Palestinians?
Or Richman claiming he's super-duper against foreign military intervention, but arguing the best thing for libertarians would be to have an election between Hillary Clinton (who voted for the Iraq War) and Jeb Bush, who said George W. was his greatest foreign policy influence.
I didn't read that article on purpose. We had an election with Obama and McCain, then another one with Obama and Romney. Why do we need more elections to 'illustrate' the corruption of our system? Why not try something new and have an election that represents hope and change? Real hope and change.
Paul.|5.10.15 @ 12:36PM|#
"I didn't read that article on purpose."
Good plan. I just looked; the comments are Bo/eddie, turd, with some commie-kid to add a new depth to the stupidity.
"Good plan. I just looked; the comments are Bo/eddie, turd, with some commie-kid to add a new depth to the stupidity."
A Derp salad! Now I'll have to check it out.
Well influence could mean he sees it as an example of what not to do...we should be so lucky.
So Sheldon Richman is just actively trolling at this point, correct?
Considering how he followed up his "Are Libertarians Looking for Results or Self-Congratulation?" article with his Chris Kyle is no different from Adam Lanza article, I'd say yes.
Did anyone else see Mark Halperin try to determine whether or not Ted Cruz is Cuban enough?
This actually does come off as pretty racist. It would have been like asking Obama 'So you identify as black, right? So what's your favorite rapper?'
Cruz actually handled it pretty well, but I don't know what the hell Mark Halperin was thinking.
WTF was that? Gotcha questions are one thing, but I've never seen them strung together like that.
WTF was that? Gotcha questions are one thing, but I've never seen them strung together like that.
More like the sqlrs gotcha...
No link, since the Chron no longer ties the print version to the e-version.
Anyhow, SF now has a commute bus line serving those who wish to pay for comfortable, on demand transport (with coffee service!) and it seems to have fallen into the cracks as regards regulation; it's not doing a damn thing that requires licensing or anything of the sort.
This pisses off some people for various reasons (slimy politico John Avalos: "[a] crock of shit" that creates "a two-tiered transportation system in San Francisco"; I guess he never heard of limos).
But here's the real money quote from the article:
"There is this issue of innovation getting out ahead of public policy. How to these innovations get a chance to test their services when the environment does not present a structure that they are clearly defined in?"
Now, you might think that came from some mouth-breathing, drooling, class-envy statist. And you'd be right: that was attributed to Ms. Susan Shasheen, UC Berkeley professor, an ignoramus at least as stupid as our very own mouth-breathing, drooling, class-envy twits.
I'm surprised a service like that even saw the light of day in SF. That could be a sign things are getting better.
Reading "The Long Divergence" right now; how the west and the middle east economies diverged. Seems Islam law made for some fairly stable commercial rules which worked well enough at a certain scale while the west's commercial law was an ad-hoc arrangement which lead to experimentation, ultimately giving us huge, durable and successful business ventures.
I wonder if SF's ridiculous regulatory system isn't similarly incubating forms to avoid gov't capture...
A private concern recently started offering luxury bus service between Dallas and Houston for 69$ each way. The trip takes less time than going through security at the airport.
The short hop airlines and the high speed rail folks are furious.
The consumers are not so mad.
OneOut|5.10.15 @ 1:37PM|#
"The short hop airlines and the high speed rail folks are furious."
Are the legislators available at a cost those guys can afford? If so, well...
Not sure they can afford NOT to buy legislators.
This is one of the things I like about Rand. He's the one Senator that you can count on to vote no against bullshit like this.
So that combined with the curls is getting my vote for POTUS.
Yeah, I'm definitely not gay (NTTAWWT), but I think Paul is dreamy enough to steal at least some of the independent female vote from Shrillary.
So this is immunity--like cops and prosecutors have--from being sued for fucking people over to the government. How could such a thing ever be abused? How, I ask you? How?
It can't. See, the government is us, and we'd never abuse ourselves so the scenario you allude to is simply unpossible.
Mark Steyn's been awol for about two weeks so I was looking forward to his take on the media's total unwillingness to defend free speech over the last week and Steyn did not disappoint.
Free speech is necessary to free society for all the stuff after the "but", after the "however". There's no fine line between "free speech" and "hate speech": Free speech is hate speech; it's for the speech you hate - and for all your speech that the other guy hates. If you don't have free speech, then you can't have an honest discussion. All you can do is what those stunted moronic boobs in Paris and Copenhagen and Garland did: grab a gun and open fire. What Miliband and Cotler propose will, if enacted, reduce us all to the level of the inarticulate halfwits who think the only dispositive argument is "Allahu Akbar".
"Stay quiet and you'll be okay:" Those were Mohammed Atta's words to his passengers on 9/11. And they're what all the nice respectable types are telling us now.
All you can do is what those stunted moronic boobs in Paris and Copenhagen and Garland did: grab a gun and open fire.
*Golf clap*
Add Anders Breivik to that list.
OT: Jesse Myerson not satisfied with just being loathsome. Goes for execrable and succeeds.
"Those other guys just totally did it wrong. No one has thought this same thing before. I'm totally not doing the exact same thing that every communist apologist ever did. Not at all."
His infantile and impotent unoriginality is totally original!
It's amazing how communist apologists can just. Keep. Doing this. Again and again and again. It's actually a fascinating glimpse into their psyche.
It's also maddening how Communists doing this is somehow OK, but totalitarian collectivists putatively from the right who make such apologetics would be treated as well beyond polite society.
It's also maddening how Communists doing this is somehow OK, but totalitarian collectivists putatively from the right who make such apologetics would be treated as well beyond polite society.
They may be genocidal communist scumbags, bu they're OUR genocidal scumbags.
It's all about words, Ted. So many people, amazingly, don't give a shit about actions or consequences. They literally only care about what someone says, and stunningly ignore what they actually do. Communist apologists are exactly like any other totalitarian collectivist, it's just that they learned, long ago, to say the "right" things, to say that they are for good and equality and all that bullshit.
And that's all it takes to get a huge swath of people to just...give them a pass. Because words. It's truly mind-boggling.
And, again, reinforces my belief that, while the fall of the Soviet Union was a godsend for those living in the hell behind the Iron Curtain, it removed a very prominent example of the danger of totalitarianism. An entire generation has more come into adulthood with no memory of the evil political systems of the 20th century that America fought against.
Good to know he's adopted the Buzzfeed article style. I ain't clickin'.
How about an archive?
With few skills and a contempt for low-wage jobs, they subsist through the underground economy of illicit trading and crime. Many belong to gangs.
Their street or thug culture is real, with a configuration of norms, values and habits that are, disturbingly, rooted in a ghetto brand of core American mainstream values: hypermasculinity, the aggressive assertion and defense of respect, extreme individualism, materialism and a reverence for the gun, all inflected with a threatening vision of blackness openly embraced as the thug life.
Such street culture is simply the black urban version of one of America's most iconic traditions: the Wild West. America's first gangsta thugs were Billy the Kid and Jesse James. In the youth thug cultures of both the Wild West and the inner cities, America sees inverted images of its own most iconic values, one through rose-tinted glass, the other through a glass, darkly.
We should find a way to recruit them. I believe they can be successfully encouraged to embrace the NAP, if it can be tied to the opportunity to capitalize on their entrepreneurial impulses.
Their street or thug culture is real, with a configuration of norms, values and habits that are, disturbingly, rooted in a ghetto brand of core American mainstream values: hypermasculinity, the aggressive assertion and defense of respect, extreme individualism, materialism and a reverence for the gun, all inflected with a threatening vision of blackness openly embraced as the thug life.
Remember when it was supposedly super racist for Paul Ryan to say the exact same thing - and he actually said it in a less inflammatory way than the Times.
Orlando Patterson is a black guy though so I guess it's okay when he says it.
Orlando Patterson is a black guy though so I guess it's okay when he says it.
Well, yeah. Even a Pollack like me knows that.
It's better than continuing the morally bankrupt paternalism of the past:
In regard to black youth, the government must begin the chemical detoxification of ghetto neighborhoods in light of the now well-documented relation between toxic exposure and youth criminality. Further, there should be an immediate scaling up of the many federal and state programs for children and youth that have been shown to work: child care from the prenatal to pre-K stages, such as Head Start and the nurse-family partnership program; after-school programs to keep boys from the lure of the street and to provide educational enrichment as well as badly needed male role models; community-based programs that focus on enhancing life skills and providing short-term, entry-level employment; and continued expansion of successful charter school systems.
The president's My Brother's Keeper program, now a year old, is an excellent and timely initiative that has already begun the coordination and upscaling of such successful programs, as well as the integration of the private sector in their development.
Will any of these people ever admit that shovelling government money into the fire hasn't put it out?
Will any of these people ever admit that shovelling government money into the fire hasn't put it out?
In regard to black youth, the government must begin the chemical detoxification of ghetto neighborhoods in light of the now well-documented relation between toxic exposure and youth criminality.
This, to me, sounds like it might violate the Geneva Convention.
Will any of these people ever admit that shovelling government money into the fire hasn't put it out?
Why should they? It's working exactly as planned: to enrich them and their cronies and to keep the poors in their place.
It's a growth industry.
Meant to bold hypermasculinity, the aggressive assertion and defense of respect, extreme individualism, materialism and a reverence for the gun, in the first part.
What libertarian cannot relate?
Sean Trende at RCP actually pointed out a couple of years ago that there had been a slight uptick of young black men voting republican in the elections following Obama's first victory, not very large but too big to be considered statistical noise. There might actually be opportunity for a candidate like Rand to make common ground and peel a few off that way.
That is delusional.
No, not really. Individualism actually had something to offer them, namely economic opportunity and not being thrown in a rape cage for fulfilling economic demand for a product. Collectivism, on the other hand has nothing to offer as they're watching jobs dry up and the means-tested welfare state is generally inaccessible to able bodied males. Add in the fact that the democratic party is completely sold out to masculinity degrading third-wave feminism, and it's really not very delusional at all.
Unless, of course, one believes that black people are genetically closer to apedom than divide else, that is...
WOW, even your typos /autospell errors are racist! Hate crime! Microaggression! Check your privilege!
Lol I only threw that part in because I'm pretty sure that acosmist is a personifestation of our resident racist troll, American.
Oh, and by the way, I'm half black and half Hispanic, so no privilege here, except for male privilege, I guess.
I've got an idea! Let's pass legislation requiring any Congresscritter who wants to vote on Computer related issues to prove he or she can take some basic form of popular tech (like an Tablet of Laptop) out of its original packaging, and get it turned on and running without calling for help.
We are all just rats in a cage: How the 1 percent profits from your misery
While economists and policy-makers focus only on whether or not an individual has work or not, there is considerable evidence to suggest that the structure and purpose of an organization are crucial to its psychological and physiological effects on employees. For instance, people find work more fulfilling in not-for- profit organizations than in private businesses, leading to lower stress levels. To view work as some contributor to wellbeing, as policy-makers now tend to do, without considering the purpose of work, is to fall into the behaviorist fallacy of viewing people as lab rats, just with slightly more developed 'verbal behavior.'
SOLUTION: Make everyone work for Non-profits.
"SOLUTION: Make everyone work for Non-profits."
That's where my food comes from; non-profit farms, right? And this computer plus the cable that connects it.
The car. The gas to run the car.
Yep, all non-profits!
BTW, you want to be without stress? Commit suicide; you can't be more relaxed then you are when you're dead.
It's funny, most people I've seen that work for non-profits do so because it's generally little work for high pay and they get social signaling out the ass from it. Plus since they don't actually do anything, you don't need to actually have any skills. It's all win!
Wait, why the fuck am I not working for one? Holy shit I'm an idiot.
It depends on the non-profit. The big ones will pay out stupidly large salaries to all the useless upper management, hundreds of thousands per year, and pennies to the clerical staff.
Of course, arts .orgs are pitiful all the way around. It's about the worst business model there is.
I'm beginning to think that Salon is supported entirely on pageviews from Irish.
As for converting the Notorious Thug Masses to libertarianism- they already despise and distrust the government, so the hard part is done. They're more receptive to the siren song of personal liberty than your average suburban soccer mom, or her husband.
Notorious Thug Masses
Is that like the masses of Catholic Socons that troll message boards under the name of 80s rock icons?
All I know is, selling drugs and not having to pay taxes was pretty awesome. I guess I should specify taxes related to the transaction. Obviously we still paid property taxes, etc. I can see the appeal of a philosophy that advocates low taxation.
However, in my experience it seemed that many in that lifestyle have zero interest in voting or politics. Time spent involved in those things could be time spent getting money. C.R.E.A.M.
How about Al-Queda? They despise the government too.
For instance, people find work more fulfilling in not-for- profit organizations than in private businesses
What's that Ghostbusters quote about, "those guys expect results!"?
It might be appropriate, in this context.
Personally, I liked the university. They gave us money and facilities, we didn't have to produce anything! You've never been out of college! You don't know what it's like out there! I've *worked* in the private sector. They expect *results*.
David Frum wants American Republicans to stoop whining, and learn to love Obamacare.
Unlike their U.S. counterparts, these conservatives don't fetishize the music, fashion, or religious practices of some of their voters in a way that prevents them from reaching all of their potential voters. Unlike their U.S. counterparts, they accept that healthcare security actually supports—rather than inhibits—the entrepreneurial risk-taking of a dynamic free-market economy. Unlike their U.S. counterparts, they have found ways to both enforce immigration laws and to make immigrant populations feel at home politically.
Of course, these conservatives differ among themselves in important ways. And their success is conditional; all face political challenges at home, including a tough re-election for Stephen Harper in Canada later this year. But what they all show their American counterparts is that the fear of a "tipping point" beyond which a state plunges into socialist dependency is utterly misplaced. Countries with universal health coverage, for instance, can be hospitable to conservatives—if conservatives can resist the impulse to repeal that coverage. It's the resistance to the program, not the program itself, that sinks conservative hopes. Politics doesn't tip. It evolves. And winning conservative parties evolve with it.
Australia has hate speech laws that cause mainstream journalists to be fined for making reasonable political arguments and British conservatives are so abjectly useless that there's a right-wing insurgency forming against them in the form of UKIP. Hell, Theresa May, the shithead Home Secretary of Cameron's government, argued that the government must control 'hate speech' in order to stop 'non-violent extremism.'
If these are the wages of victory for 'conservative' governments abroad, then I'd rather live under Democratic governance than that of the British Conservative Party.
"at least 20 separate information-sharing offices exist, with little coordination (or even knowledge) of each other's ventures. "
Raw Story once again proves that everyone who writes there is a moron.
SNL had a sketch where there was a pictionary type game show. The joke is that one of them gets asked to draw the Prophet Mohammad and is terrified to do it.
So Raw Story claims SNL "mocks Pam Geller's Draw Mohammad contest," when what they're actually mocking are the people who would kill over this.
Oh, Raw Story. Narrative uber alles.
I'm afraid to draw The Prophet Joseph Smith. Because I don't know what he looks like.
Although I can get behind this image of The Prophet Jesus Christ.
Raw Story has really been pretty brilliant in the aftermath of the Garland attack.
It is true that the American Freedom Defense Initiative was on the right side of US law, while the Islamic State-inspired shooters were not. But both were behaving in a manner so far outside the conventions of familiar social interaction that there is a sharp and significant disconnect between the thought processes of the protagonists and the more mundane questions of daily etiquette encountered by members of Western multicultural communities.
In which Raw Story draws a direct equivalence between people drawing cartoons and the people who tried to murder them - because they're run by retarded people.
Nazi fascism in America. Cool.
Making a check of $48500/month with online working,, you make money $81/hour from laptop in free time.My neighbour's sister has been averaging $15750/months now and she works about 20 hours a week. i make $13900 last month, it is realy easy and trustful ,
This is indeed a very serious problem, which should attract our attention. And fully safeguard the right to privacy is very important.
Nathaniel . although Stephanie `s rep0rt is super... I just bought a top of the range Mercedes sincee geting a check for $4416 this last four weeks and would you believe, ten/k last-month . no-doubt about it, this really is the best-job I've ever done . I actually started seven months/ago and almost straight away started making a nice over $79.. p/h..... ✹✹✹✹✹✹ www.Jobs-Cash.com
I make up to $90 an hour working from my home. My story is that I quit working at Walmart to work online and with a little effort I easily bring in around $40h to $86h… Someone was good to me by sharing this link with me, so now i am hoping i could help someone else out there by sharing this link... Try it, you won't regret it!......
Google pay 97$ per hour my last pay check was $8500 working 1o hours a week online. My younger brother friend has been averaging 12k for months now and he works about 22 hours a week. I cant believe how easy it was once I tried it out.
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subset: commoncrawl


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The objective of this review is to examine ... organic loading costs vary in between 0.2 ... He afterwards proposed use of the formula to adjust the realm with the infiltrative ...
"A milk allergy is really a response to your milk protein — most probably beta-lactoglobulin or casein, but it could be on the list of whey proteins — whilst lactose intolerance is generally a milder response to the sugar in milk," describes Dr.
Has everyone at any time applied this formula? I'm curious for the reason that at Costco It is substantially less costly than the opposite brands and its ORGANIC.
Then I bought the Organic Similac. My baby enjoys it and I seen she wasn't sleeping after the bottle and he or she really energetic even before bed time. She commenced taking longer to tumble asleep following I gave her the final bottle at nighttime. Then I noticed it incorporates SUGAR as an alternative to LACTOSE. Also a thickening agent referred to as MALTODEXTRIN. NO THANK YOU! I threw it absent! I'm going to study the substances right before acquiring it. Day released: 2017-09-26
DHA (docosahexaenoic acid) and ARA (arachidonic acid) are two long chain fatty acids observed By natural means in human breast milk.[1] These fatty acids are the main extensive chain fats in baby's Mind and nerve tissue.[two] DHA is a vital structural part of an toddler's brain and eyes.
The products is manufactured using milk that emanates from cows that were fed with organic feeds; the feeds will not be laced with any growth hormones or antibiotics which have the two been acquiring a lot of damaging press over the past numerous several years. The milk-dependent formula is generated underneath a stringent and hygienic regulatory framework that meets the Nationwide Organic Software (NOP) guidelines on creation of organic substances which is in accordance Together with the USDA restrictions.
The geared up formula is artificial meals made to feed children under the age of twelve months. The best feeds must have some or most components contained inside of a mother's breast milk.
When you hunt for "carrageenan" in a healthcare database, A huge number of search results will show up. Why lots of? For the reason that carrageenan is used in animal experiments to predictably cause inflammation, which enables pharmaceutical scientists to test the efficiency of latest anti-inflammatory medicines.
greatest formula feed product? If like so, then exactly This is actually the proper place that you should discover the best
Most formulas now boast the addition of necessary fatty acids DHA and ARA. This would seem fantastic, but however these oils are extracted by solutions that involve neurotoxic hexane–even in formulas carrying the organic label.
DHA is surely an omega-3 fatty acid, and ARA can be an omega-six fatty acid. Both equally are The natural way present in human milk, and DHA is really a ingredient of Mind and eye tissue.
Here's a guide on what is the greatest formula for new child baby. It's going to lose some mild as you start nursing your new child baby.
Standard formula has superior preservatives in its composition. Usually, These are synthetic preservatives which happen to be extra in order to preserve the formula fresh for extended. On the other hand, They're rather dangerous to tiny little one.
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- 435 Visitors


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5th Annual BOOST Funding Night
Wicker Park | Website
This event occurred in the past.
Map | Find Parking
BOOST (Building Opportunities for Original and Sustainable Thinking) is a live, crowd-funded pitch fest in support of energy, ecosystem, and waste innovations in Chicago. Audience members vote with their ticket contributions to determine the winning innovators. Winners split the BOOST grant as well as the night's ticket sales to fund their business projects.


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Would you do this? This plunges into the deepest pool in the world.
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Question by Fouzia: What happens if i don't pay back personal loan installments and Over Draft money?
I have taken out 3000 pounds overdraft and have also taken 10k personal loan for which i have given 6 months installments already but now i am financially zero and can't pay back. Whats the worst bank can do to me?
How long does that process generally takes for the bank to sue me, or attack my other bank accounts.
Best answer:
Answer by David M
Sue you, charge you for interest and expenses, garnish your wages and attack any bank accounts you have or ever have and ruin your credit rating for years to come. That's about it.
Add your own answer in the comments!


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Once payroll rolls out contributors set their own compensation.
Some more information on that can be found here: https://gratipay.com/about/features/payroll
Previously Gratipay was Gittip, and worked much like Patreon - essentially a donation or ~tip~ system.
There's still some work to be done, but I've been following this project for awhile. I've been working full time now on other stuff, but I keep up with their updates, and Chad (founder) is a great dude.


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Paracosm Harnesses $800k in Funding for 3D Modeling and Navigation
Paracosm, a local company with contracts with Google and NASA, has harnered $800,000 in funding to put towards its 3D modelling and navigation software.
Paracosm, which uses technology that emanated from UF, develops software using computer-aided design (CAD) to convert depth camperas into 3D mapping systems. By using the cameras to map out a space, the company can go through steps to create a virtual simulation.
the Institute for the Commercialization of Public Research, which has an office in the Florida Innovation Hub, funds companies that bud from national universities and research institutions and will be providing $300,000 of the total. One caveat is that funding from the institute requires a private funding match.
Paracosm's private funding includes $500,000 total from angel investors in Gainesville and South Florida, and the Vegas Tech Nimbus Fund, CEO Amir Rubin said to the Gainesville Sun.
Rubin, who worked at Prioria Robotics before co-founding Paracosm in January, has grown the business from 5 to 15 employees in Gainesville and plans on further growth. Earlier this year, Paracosm took home "Top Gun" status, winning the Gainesville Area Innovation Network's GAIN ShootOut. The competition consisted of 16 local startups vying for prizes including cash, legal and accounting services, $500 in exhibit materials, and hundreds of dollars in miscellaneous prizes.
Said 32-year-old Rubin to the Gainesville Sun: "We plan to disrupt the professional 3D scanning industry by enabling users to scan a space using readily available cameras, upload their data to a cloud infrastructure that converts the scan to a CAD file and download their model for use in any 3D CAD modeling tool of their choice, and funding from the Institute will help us to get there faster."


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Product Description
For this pattern you need:
Yarn: One 50g ball of 4 ply weight yarn (with 170m per 50g).
Metres/Yardage: from approx. 85m/93m for newborn through to 170m/186yds for adult.
My Yarn Suggestions & Amounts: Pop into my Purl & Jane studio in Skipton to see my range of 4 ply yarns.
Needles: 3mm and 3.25mm.
Tension: 22 stitches and 38 rows to 10cm square over lace pattern using 3.25mm needles.
Skill Level: ♦ ♦ ◊ ◊ ◊
Sizes: There are four sizes in this pattern - Newborn, baby, child, adult.
My design ideas and advice: This delicate lace hat is the perfect gift for the new loved one in the family. The lace pattern is a simple one to get into the rhythm with, it might take a few repeats and a little patience, but once mastered it is fun. With any of my pattern repeats I like to have a row where you have to concentrate then, what I call, a row off, where you can just relax, this is the purl row. The hat comes in four sizes, the first size is for a newborn, the second size is for an older baby, the third size is for a child and the fourth size is for an adult.
Click on the following links for my How To videos which may help with this pattern: s1, k1, psso.


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Ever feel like you're stuck?
Don't worry, I'm sure it's completely normal. So many times I've felt like I'm in the middle of a road, and I know I need to run away, but my feet won't move. And I'm wondering, what do I need to do to get moving?
I've been having this feeling lately that I'm not progressing anything, and I can't help it. My feet won't move when I tell them too, and my hands won't create how I want them to. What's going on?
One day, it hit me though: maybe there's a lesson I'm not learning. I have come to the conclusion, that if there is a lesson you are supposed to be learning, God will make sure that you learn it. And if you don't the first time around, it'll come back around again. I am also learning that becoming complacent is a trap because complacency makes it that much harder to mover forward.
Complacency makes it that much harder to move forward.
These are just my thoughts from the past couple of weeks that I wanted to share with you all. I'd love to hear your thoughts on this.
Have you ever had the feeling of being stuck? Comment below!
Leave a Reply.
April 2018


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Our experts, Masha Muzyka and Jin Oh, cover transition disclosures focus areas, potential implication of the methodology chosen to the expected disclosures and ECL disclosure best practices emerging to date.
Our subject matter experts, Robby Holditch, Director, and Jin Oh, Director, discuss critical steps in meeting the new CECL standard.
Our subject matter experts, Chris Henkel, Senior Director, and Anna Krayn, Senior Director, discuss critical steps in meeting the new CECL standard.
In this video webcast, we identify the critical components needed for a successful CECL implementation and the new considerations it also brings.
In this webinar, we examine how CECL's forward-looking requirements can significantly change your loss reserves and future financial statements.
Join Moody's Analytics for an informative webinar discussing FASB's new Current Expected Credit Loss (CECL) standard and what you can be doing now to prepare.
In this webinar, Emil Lopez and Olivier Brucker from Moody's Analytics, demonstrates how the Moody's Analytics Credit Loss and Impairment Analysis suite helps financial institutions overcome CECL challenges and implement best-practice allowance processes.
In this webinar, Anna Krayn and Masha Muzyka discuss the importance of accounting for risk differentiation and rank ordering for pass-rated loans, common flaws of risk rating systems and the potential financial impact on ALLL.
In this webinar, David Fieldhouse, Director in Consumer Credit Analytics and Glenn Levine, Associate Director within the Capital Markets Research Group provide an overview of ECL quantification tools Moody's Analytics offers to support CECL implementation across all major asset classes.
In this webinar, Cris deRitis, Senior Director from Moody's Analytics, demonstrates how to leverage econometrically derived, forward-looking scenarios to assess life-time losses for CECL.
In this webinar, Irina Korablev, Senior Director and Deniz Tudor, Director will discuss various tools that can capture economic, loan-level, and cohort-level data across several asset classes, which can be used for forecasting credit losses and benchmarking internal models.
Our experts discuss methodologies for calculating losses, and explain how to establish and defend reasonable and supportable forecasts, connect the allowance for credit loss estimate to key risk functions, and analyze the impact to reserves and your business.
In this webinar, our experts discuss the important considerations in the modeling and implementation of the CECL standard for retail portfolios. Learn more about loan-level modeling approaches that can be used to forecast credit losses for retail portfolios and how to leverage existing risk measurement practices.
In this fifth webinar in our series, our experts discussed common CECL considerations for structured credit and answered key questions on how to provide CECL estimates for structured credit.
In the third webinar in our CECL quantification webinars series, our experts discussed which commercial and industrial (C&I) models and methodologies can be leveraged to fulfill CECL requirements, and key considerations in transitioning these models.
The second in our CECL Quantification webinar series, this webinar discussed how commercial real estate (CRE) models and methodologies can be leveraged to fulfill CECL requirements, and key considerations in transitioning these models.
In this presentation, our experts Emil Lopez and Jing Zhang, introduce some key CECL quantification methodologies and enhancements that can be made to existing approaches to make them CECL-compliant.
In this American Banker webinar, Moody's Analytics discusses potential approaches for firms to expand on their current sensitivity analysis and stress testing for CECL implementation.
Granular risk rating models allow creditors to understand the credit risk of individual loans in a portfolio, facilitating underwriting and monitoring activities. In this webinar we will outline the value of granular risk rating models for CECL.
In this webinar, expert Nihil Patel, outlines how institutions can leverage Basel and Stress Testing models to comply with FASB's new impairment accounting standards.
The FASB's new impairment standards won't take effect until 2020, but institutions should start planning now. This webinar outlines key considerations for early CECL preparation, including: main challenges; expectations of auditors, regulators, and investors; planning in firms of varying sizes; and how to get started.
In this webinar, we discuss what the new CECL standard is and why the FASB is changing Impairment Accounting. Key topics include the timeline for implementation, key differences are in the new impairment models compared with the existing ones, and how the allowance calculation process is likely to change.
In this webinar, we explore the implications of new disclosure requirements and the effective dates for CECL implementation. We explain why banks should start preparing for CECL now and what are the advantages to early implementation.
In this webinar, we identify the key similarities and differences between the two standards of IFRS 9 and CECL such as timeline for adoption and complexity of implementation. And for those firms subject to both standards, we provide insight into the key operational considerations.
In this video cast, we will discuss the implications of the final CECL standard and approaches to implementation.
All CECL Capabilities
CECL Data Capabilities
CECL Model Capabilities
CECL Advisory Capabilities
CECL Economic Scenario Capabilities
CECL Process Automation Capabilities


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Cllr Joanna Hughes
South Ward
- Telephone
- 01242 250087
- firstname.lastname@example.com
Clerk: Mrs Joanna Noles
26 Church Street, Church
Piece, Charlton Kings
Cheltenham, Gloucestershire
Tel: 01242 250087 | Send email
Mon, 17 Dec 2018 19:00
Mon, 07 Jan 2019 19:30
Mon, 21 Jan 2019 19:30
Last updated: Tue, 27 Nov 2018 11:18
Clerk: Mrs Joanna Noles, 26 Church Street, Church Piece, Charlton Kings, Cheltenham, Gloucestershire, GL53 8AR
Telephone: 01242 250087 Email: email@example.com
The Borough Council is Cheltenham Borough Council.
The County Council is Gloucestershire County Council.
There are currently two vacancies on the Parish Council. Please contact the office for more information.
Parish Council Office - opening times over the Christmas and New Year holidays charltonkingsparishcou...
about 3 days ago
Parish Council Office - opening times over the Christmas and New Year holidays - The Parish Office will be open until 2.00 pm on Friday, 21st December 2018. It will then be closed until 10.00 am on Thursday, 3rd January 2019. If you have any questions... bit.ly/2C9eo38
about 3 days ago
Full Council Meeting - 7.00 pm Monday, 17th December 2018 charltonkingsparishcou...
about 5 days ago


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I had a good day of getting things done today, getting things off my chest and taking steps towards solutions.
My boss asked me what I'd thought of the training that we had on 3rd. I said I'd thought it was okay, but that it didn't really answer the question that we'd asked, about making spontaneous presentations in an informal setting. I'd actually thought it was dogshit, but I'm more subtle than that. Well, sometimes. The conversation soon shifted to a one-to-one about me, the team, various niggles that we both had. We had a long grumble about each other to each other, and ended in a really positive and hopeful way. I'm newly motivated after starting my course, and after acing my conference, so I was glad we were able to shift the overall tone of the meeting in a a good direction. And if I work hard on Tuesday and Wednesday next week, I can have Thursday and Friday off. Bingo!
I got back to my desk, and drafted a letter of notice to my landlord. Nothing special, a combination of two or three templates from the web, but enough to do the job. I contacted him to arrange the inspection we'd discussed yesterday. He's coming by tomorrow. I can't wait.
Later on, I met K___ from work to talk about my research project. She's not easy to get answers from. Does an empty pot ring loudest? In this case, it seems so, yes. Gently, gently, slowly, slowly, I managed to squeeze the information I was looking for out of her. "You can't evaluate my work," she said, "you just can't." That kind of attitude, I thought, is what I need to change.
Kate, Dunk and I went to Fuel and Indigo for some beers, and to meet some of the old Sol's girls. I spent a long time chatting to Laura, and ended the night rather drunk. Then again, I felt like today I've earned it.


text: Copenhagen smart city project shortlisted by Nordic Built Cities 04 8月 2015 - Cleantech Shortlisted Copenhagen project demonstrates how to combine rainwater handling systems and green recreational spaces in the city. Heavy rain cloudbursts is predicted to be a growing issue for many cities due to the climate change. A smart city project in the Copenhagen city district Nørrebro, dealing with innovative rainwater handling systems as well as social integration via green, recreational multi-functional facilities, has been selected as one of five projects shortlisted in the Nordic Built Cities Challenge 2015. Efficient way of spending public resources The Nordic Built Cities Challenge jury states: What is of interest is not only the innovative rainwater handling systems but also the cooperation and synergy where the municipality, the utility company and local organisations aim to solve many challenges within one project. If the urban design for water management and social revitalisation can be combined, the shortlisted solution can enable unique solutions and has a great potential. Moreover, the project organisation and its time schedule present an efficient way of spending public resources. About the Nordic Built Cities Challenge The selected projects represent a broad variety of challenges, from climate adaption to green mobility and the recycling and reuse of existing materials in an urban space. These challenges are relevant on a Nordic as well as a global level, and the ambition is that the shortlisted projects will result in best practice examples, demonstrating Nordic innovative solutions which can be exported to cities worldwide. See more at Nordic Built Cities Challenge.


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Our theme for this year's AHG Summer camp is centered around launching a new era for the camp. We will be launching many things during the week including rockets. The girls attending camp will have the opportunity to complete the Living and Working in Space Merit Badge.
Requirement #8 of the Living and Working in Space Merit badge looks at the limited amount of space an astronaut has to complete their work. In the table below, I have adjusted the space requirements to accommodate a wide number of girls completing this activity.
Using a roll of painters tape and a tape measure you can mark off the appropriate size box for the Explorers to work within.
|# of girls
|8 feet 6 inches
|5 feet 9 inches
|7 feet 9 inches
|5 feet 2 inches
|6 feet 10 inches
|4 feet 7 inches
|6 feet
|4 feet
|5 feet 1 inches
|3 feet 5 inches
|4 feet 3 inches
|2 feet 10 inches
|3 feet 5 inches
|2 feet 3 inches
|2 feet 7 inches
|1 foot 9 inches
|1 foot 9 inches
|1 foot 2 inches
|10.25 inches
|6.85 inches
Another great resource I located gave the astronaut's schedule aboard the International Space Station. Check out this link for more information.
NOTE: The requirements have been simplified here. Please be sure to read the full text in the American Heritage Girl Handbook to make sure you fully understand the requirements.


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Listen to this article
Why review Isabel Marant? In terms of new ideas, the show is fairly insignificant. Founded in 1994 by the now 48-year-old Marant, the contemporary line with the mid- to mid-high price-point range has evolved an unwavering sartorial signature in slubby, loose hopsack separates, folkloric embroidered tops, sexy leathers and whispy, thin-layered dresses that appear with only small variations each season.
For SS16, fashion's global magpie had alighted in Rajasthan, where she had picked up bib-front embroidered coats and tasselled embroideries in black with little sequins. She had also picked up great baggy harem pants and layered print chiffon dresses. She had developed a fondness for yellow. Her wardrobe was spliced with silver accents — bold, silver astronaut's pants and biker jackets, wide sequin cuffs on trouser legs and ruffled metallic minis. Played against a hip-hop soundtrack, and infused with nineties attitude, she paired the lot with a rope-detail shoe, all tied up in red or black. It was very pretty — and very predictable.
The fascination with Marant, however, is that the label represents such a significant proportion of the buyer's budget. For many, Marant will be the biggest spend of the season — upwards of £500,000, according to one I spoke to, which makes it, commercially speaking, one of the most important shows of the season. (The other big buy, by all accounts, is Saint Laurent.)
Why is Marant is so bankable? Because, for all their bohemian expression and complicated trouser fastenings (of which there are infinite variety), her clothes are incredibly versatile. Marant is truly a lifestyle brand, a designer of clothes you can wear to the office, to the beach, on a weekend in the country, on the school run, for after-hours cocktails and in the boardroom. Isabel Marant almost always works. It's reliable without being boring; sexy, without being showy. The designer has also found a magic formula for a wardrobe that retains a girlish joie de vivre for the under-25s but also delivers statement separates and trophy jackets for the over-forties. Women feel confident in her clothes: they don't scream fashion, but they convey a certain sartorial nous that makes them feel at least they've made an effort.
Buying is a competitive business, and no one would speak to me on record about what their buy would be, but the pick of the shopping list followed thus: "commercially en point" embroidered, sequinned jackets and tops; Katharine Hamnett-style silk pants (a designer whose influence has been felt in many of the contemporary collections this season); miniskirts, minidresses and sequin leggings for the sexy girls; oversized gold parachute silk parkas; lots of summer coats; the tasselled earrings, hoops and belts; yellow silk.
The silk pant has been a big feature of the shows: in fact, few shows have been without them. Haider Ackermann and Kenzo, who also showed over the weekend, offered several more, and buyers are snapping them up.
As for the harem pants? Not so much. "We won't be touching them," admitted one buyer. "We don't know who would buy them — except proper hippies."
For more reports from the shows, go to our fashion weeks page on FT.com
Photographs: Catwalking.com
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©1994-2018 Bill Armintrout
Comments or corrections?
Hey all!
Well, a few updates at the blog…
WIP of some Germans I am doing for my son, so his Romans have someone to fight…
Rice paddies finished for my 6mm samurai collection…
And a new shelf to give me a bit more space (and to clear a space for a Christmas present that I know about!)
Anyway, come on by for more photos and info! And more on the way… finishing up a bunch of command stands and other stuff for the son's Romans, and a few other bits and pieces!
Thanks guys!
I see you primed/undercoated the Germans brown. How do you like that--advantages/disadvantages?
I've tried black, white (both have their places), and grey (which I didn't like).
Great looking room Lord A!I've used brown but didn't really like it. I prefer black as an undercoat. I will on occasion use grey.
Wow, what a fab room you have M'Lord, love the artefacts dotted around the room. Not envious at all, I much prefer my drafty old garage.
Thanks for the kind words, guys!
Yeah, I've really liked the brown undercoat. Now, I am doing a pretty simple paint job on these guys… basecoat, dip… it's worked great for that! I'll post some finished photos soon.
Sorry - only verified members can post on the forums.


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Premier-designate John Horgan was originally intending to spend the day celebrating at the Victoria Pride Parade, but instead will make a last-minute trip to Kamloops on Sunday to meet with people affected by wildfires.
Horgan will also be assessing and meeting with emergency operations and social services workers.
The plan is to visit the Provincial Regional Emergency Operations Centre, Emergency Social Services, the Group Lodging Facility at Thompson Rivers University, and the Thompson-Nicola Regional District Emergency Operations Centre, although a detailed itinerary has not been released.
Due to the worsening wildfire crisis Horgan has made to call to skip this year's festivities and is planning to be in the community by 2 PM until later this evening.


text: I am very excited to announce that I will be racing with RennsportKC in their Mustang FR500 at Circuit of The Americas in the World Racing League this coming weekend! I am the hired pro for the team to compete in the 16 hour enduro around the F1 track. I am looking forward to bringing my knowledge about the Mustang and COTA to the team, hopefully resulting in the overall victory! The event starts Saturday, Dec. 3rd. Make sure to follow along as I will be updating throughout the race.


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Investing in energy efficiency in buildings with district heating SERGIO TIRADO HERRERO DIANA URGE-VORSATZ Central European University (CEU) Department of Environmental Sciences and Policy Center for Climate Change and Sustainable Energy Policy Cohesion Policy – Investing in energy efficiency in buildings Brussels. November 29-30, 2011
Diverging perspectives in an evolving EU A CLEAN, EFFICIENT, CHEAP TECHNOLOGY Up-to-date heat production plants and distribution systems Cogeneration and renewables (e.g., biomass) Lower costs per kWh Lower GHG emissions Low-carbon solution promoted in Member States with potential (e.g., UK) Spittelauer DH plant (Vienna) / Source: www.hundertwasser.atwww.hundertwasser.at
Diverging perspectives in an evolving EU AN UNDESIRED LEGACY Less cogeneration, sometimes heat-only plants based on polluting fuels (e.g., coal, Poland) Obsolete distribution systems inefficient and building stock Inadequate metering Inflexible flat rates Cost burden Coal heating plan in Wieluń (Poland) / Source: Wikipedia
Diverging perspectives in an evolving EU AN INDUSTRY WITH AN UNCERTAIN FUTURE? Directive 2010/31/EU on the energy performance of buildings (EPBD)
The paper Aim –Explore key issues for successful investments –Raise questions about the future of the DH sector Scope –Focus on residential buildings in Central and Eastern Europe (CEE); discussion relevant to other contexts Research questions –What cost burden imposes on consumers? –How deep to retrofit? –Reasons for public sector involvement? –Are technical solutions enough? –What is the future of DH in a low-energy buildings EU?
A cost burden on consumers Per unit price of DH vs. other heat sources in Western Europe Source: Euroheat and Power (2011) GERMANY DH
A cost burden on consumers Per unit price of DH vs. other heat sources in Western Europe Source: Euroheat and Power (2011) AUSTRIA DH
A cost burden on consumers Actual DH costs in Central and Eastern Europe Source: Household Energy Use survey (2009) – KSH and Energy Centre HUNGARY
The inherited legacy VERTICAL LOOP – ONE PIPE SYSTEM Lack of individual metering nor temperature control Inability to disconnect individual apartments No fuel poverty-related health impacts, i.e., excess winter mortality and morbidity Source: Sigmond (2009)
A hidden fuel poverty type Effects on welfare Decreased consumption of other domestic goods and services 30% of the Hungarian households living in panel buildings spend more on energy than on food and non-alc. beverages Source: Tirado Herrero and Urge-Vosatz (2011)
A hidden fuel poverty type Arrears and indebtedness to DH providers –In Budapest III, indebtedness to DH companies is often so high that it cannot be managed by the municipalitys debt relief services. –In Lithuania, over 15% of all DH users are indebted to heat providers (2000-2010) Affects the performance of DH companies –Maintenance and upgrading of the network Potential wider economic effects –In Romania, reducing DH debts became a condition for IMF lending LITHUANIA
How deep to go? Deep and mid retrofits of prefab panel buildings in Hungary Ramp-up period Learning factor Increasing energy prices 2nd round retrofit + programme management costs Private costs vs. benefits
Additional argument for deep retrofits The lock-in risk 58% lock-in risk
Arguments for public sector involvement Barriers to energy efficiency investments –Shared ownership of buildings with DH –Transaction costs Social benefits of ener. efficiency investments –Avoided GHG emissions (CO 2, CH 4 and N 2 O ) Social (external) cost of carbon: IPCC (2007) –Avoided non-GHG emissions (NO x, SO x, PM) External cost of emission of pollutants: NewExt project
Social cost-benefit analysis Difference between energy saving benefits and external benefits
Additional co-benefits Net employment creation –In HU and PL, tens to hundreds of thousands additional employments have been forecasted for deep retrofits (Tirado Herrero et al., 2011) Reduced energy dependency Fiscal effects –Increased government revenues (i.e., income tax and VAT) and reduced unemp. & social expenses Increased market value of properties –+12% premium for A-labeled properties in Holland (Brounen and Kok, 2010)
Are technical solutions enough? Large fixed costs and structure of DH tariffs Variable costs - fuel Fixed costs - capital - maintenance - labour Budapest
Are technical solutions enough? Large fixed costs and structure of DH tariffs Large positive NPV from 2040 onwards
Are technical solutions enough? Large fixed costs and structure of DH tariffs Negative net present values
Are technical solutions enough? Improving the conditions under which DH is served Individual meter-based billing –Incentive to save energy at household level –Conventional fuel poverty effects, i.e., inadequate thermal comfort levels Competition between heat sources –Lower prices –Households right to disconnect and switch Independent, capable regulators Source: OECD/IEA (2004); Tirado Herrero and Urge-Vosatz (2011)
The future role of DH in a low energy buildings EU (?) Economic viability of the DH sector when low or nearly zero energy buildings become the norm –Fixed costs and obligation to remain connected Denmark –Some of the houses being built today are so well insulated and energy efficient that it is not worth connecting them to district heat (DAE, 2005) Norway –The obligation to remain connected to DH networks is a barrier to low-energy residential buildings (Thyholt and Hestnes, 2008)
Conclusions Cost burden (in CEE Member States) Deep retrofit of buildings with DH –Maximizes energy and carbon savings, co-benefits Sub-sector specific obstacles –Fixed costs, rigid tariff system Improved conditions for DH provision –Individual billing, competition, right to disconnect Uncertain future of the DH sector –Economic and labour implications EXIT STRATEGY for the DH industry
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FIND YOUR HOME IN Brookfield
Brookfield Real Estate
Brookfield is located in Missouri. Brookfield, Missouri has a population of 4,358. Brookfield is less family-centric than the surrounding county with 21.68% of the households containing married families with children. The county average for households married with children is 27.22%.
The median household income in Brookfield, Missouri is $31,481. The median household income for the surrounding county is $37,264 compared to the national median of $53,482. The median age of people living in Brookfield is 43.5 years.
Brookfield Weather
The average high temperature in July is 86.4 degrees, with an average low temperature in January of 16.5 degrees. The average rainfall is approximately 40.9 inches per year, with 14.9 inches of snow per year.
Brookfield Map
Brookfield real estate offices
Real estate near Brookfield
Nearby Cities Homes for Sale
Brookfield Zip Codes


text: Michael joined GigMasters at The Special Event 2014 down in Nashville, TN as part of our live stage performance. Let's just say he's in the Guinness Book of World Records for a reason – the man is an incredible talent! The segue between his and magician Keith West's act was flawless. He commanded the stage and captivated event guests. Kudos to Michael and his eye-popping act!


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@LemonLassie @Luna1171 @AndreannaLyn @tiffany1922 @SindyHernandez @MaritessSison @BrennaTran @ElishaFisher @MandyNoona @PrettieeEmm @twistedPuppy @funfunbunbun @Msrayray95 @Jinnyrod3 @Faith92 @Sammie99522 @pharmgirlerin @MayraYanez @KristinaCaron @NadineEsquivel @KpopBeat @Kpopbunny9 @MrsChanyeol @JarviaKlipka @EmmaJolie @JaxomB @ParkHwaYoung
The remainder of the week goes by with him sneaking little pinky finger touches, sometimes brushing a hand across your back as you pass him. You have to admit your favorite is when he changes his hugs to last just a few seconds longer, makes them a little tighter, and whispers "Morning Jagi" in your ear. He's begun texting you each night before bed. You still can't believe he really feels this way about you. While he doesn't understand how you can't see it, he says he is determined to prove it to you. He's getting impatient with being unable to find any time to be together secretly. You can read his growing frustration in his texts each night. HN: Noona, you're killing me each day at practice. Not being able to touch you. YOU: Want me to find someone to teach for me? HN: No. That isn't what I mean. I want to more than hug you. YOU: Patience [HN]. If it's meant to be, it will happen. HN: You still don't believe me. God, you're killing me! Shall I tell you how? YOU: Tell me? HN: What watching you dance, seeing your body move does to me? He obviously wants you just as frustrated as he claims he is and by damn, it's working. YOU: [HN] HN: No you don't get it. I watch you every day, I dream about you every night. Even now that you know, I still can't have you. The next day at practice, the back-up female dancers join in. You pair them all up judged on height, and after a few runs switch them around again. You run through the dance a few times with the girls and then add the guys in. A few are a little awkward so you move from couple to couple; adjusting stances, fixing postures, shaking them until they are loose and relaxed together. One couple keeps running into each other. You have to show her exactly how it should be done, running the dance through with the group member. You make them try it again, seeing it work better you call for the break. As you towel off and grab your water bottle your phone buzzes. HN: Meet me in the hall. You turn to look around the room and notice he isn't anywhere. You mumble to the others that you'll be back in a minute and curiously head out into the hallway. Just as you clear the doorway a hand reaches out, grabs yours, and drags you down the hall. He stops in front of a door, looks down the hall both ways, opens it and pushes you inside. As soon as he enters, he reaches for you and pushes you back against the door. He locks it as he moves into your space and captures your lips with his. After the first passionate kiss he pulls back with his forehead against yours, both of your breaths coming in pants. "Were you doing it on purpose? Dancing with him to get to me?" Your brain is still a little fuzzy from his kiss and all the feelings it's bringing to the surface. "Do what on purpose? We can't do this, camera's…" "There aren't any in here. I've been checking for the last week to find a place without them." His head falls to your shoulder and he pulls you closer. "God I've wanted to do this for so long. It about killed me to watch you dance with him." "[HN], it's my job." "I know," he states as he leans back a little and cups your face, "I just got jealous. You were touching him and I haven't been able to touch you." His lips come down on yours again and all thoughts about practice leave. As he deepens the kiss, you realize just how far off your dreams were from reality. You pull apart suddenly when you hear voices in the hallway, "I can't find either of them anywhere. Did you check the restrooms?"


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Bitcoin Awaiting Consolidation Range Breakout
Bitcoin has recently been trading sideways stalling after a bullish trend in June-July, which tested the 2015-high in the 310-320 area.
Bitcion (BTCUSD) 4H Chart 8/6
(click to enlarge)
In the 4H chart, we can see bitcoin consolidating between roughly 272 and 297. A break above 300 should put pressure on the 310-320 area gain with risk of breaking higher from the prevailing bullish momentum. However, if there is a break below 270, bitcoin is likely NOT bullish in the medium-term, and rather sideways, with short-term bearish outlook.
Bitcoin Daily Chart 8/6
(click to enlarge)
Neutral-Bullish Mode:
As I noted, I think a break below 270 makes bitcoin neutral or maybe neutral-bullish in the medium-term. In the daily chart, you can see that the break below 270 would also clear a rising trendline and the 50-day simple moving average. Now, the bulls do have one more line of defense in my opinion. If price can hold above the 245-250 area, bitcoin would likely have another chance to develop a bullish trend going into Q4 this year.


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text: When we ask ourselves why we show up each week to share this program, we know it is to answer these four essential questions: Who am I? Why am I here? Where am I going? And how do I get there? To all of you who have tuned in before, these four questions are well known. However, there is a 'why' behind the why that we would like to explore this week. In one respect, the reason for this show is to present the teachings of the ascended masters as a means of being in service to our brothers and sisters who are on a path of higher consciousness. It's also about recognizing the twists and


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New visiting professorships for Caius Fellows
- 17 December 2015
Two Caius Fellows have been awarded visting professorships at prestigious overseas institutions. Law Fellow Dr Jens Scherpe has been appointed Cheng Yu Tung Visiting Professor in Law at the University of Hong Kong from November 2015 to 31 October 2018. He will be teaching courses on Comparative Family Law in Hong Kong, outside of Cambridge term time.
Meanwhile, Professor Tim Pedley, a Fellow in applied mathematics and theoretical physics, has been elected to the Raman Chair of the Indian Academy of Sciences for 2016. This visiting professorship, instituted in memory of Sir C.V. Raman, covers the whole of science, and is awarded approximately every two years. It involves visiting India for at least six weeks during the year.
Congratulations to both Fellows.
Professor Tim Pedley
Dr Jens Scherpe


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What did you settle on for your suit get up in the end?
It's referencing a thread he started. I'd try to find it but the search facility seemed to be lagging.
And I'm sure we'd all like to know his sartorial choices for our own future enlightenment.
not had a chance to go shoe-shopping yet
Was going to go after work on Friday but forgot that Oasis were playing in the stadium, so town was a bit of a no-go zone. Then Saturday was the stag-hen do so was out drinking stupid ammounts of cocktails and behaving like an imbecile, then Sunday was a bit of a write off.
The wedding is a week Friday so I've got enough time to sort myself out.
Thanks for asking though Theo 'Get Brogues'
NEVER wear brogues.
I own one pair and their Gillie Brogues for the kilt. this is the only acceptable time to use them.
i quite like them!
I've not tried them on mind, so no idea how they feel, but I do like the look of them.


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The reality show star, who checked into jail in this Los Angeles suburb at 3:15 p.m., was released at 4:37 p.m. "based on her sentence and federal guidelines," Los Angeles County Sheriff's Deputy Maribel Rizo said without elaborating.
When asked whether Richie spent her brief sentence in a jail cell, Rizo replied: "No further comment."
TheInsiderOnline.com was the first to report the story.
A call to Richie's attorney, Shawn Chapman Holley, was not immediately returned Thursday. An e-mail message to publicist Nicole Perna was not immediately answered.
The reality show star entered a county jail for women in this Los Angeles suburb shortly after 3 p.m., Los Angeles County Sheriff's Deputy Johnie Jones said.
It's the same facility that housed her "The Simple Life'' co-star Paris Hilton for nearly three weeks after she was convicted of driving on a suspended license while on probation for an alcohol-related reckless driving case.
It was reported earlier this month that Richie wanted to do her time in the Los Angeles County jail.
Richie's lawyer contacted the county sheriff's department earlier this week and indicated the reality TV star wanted to serve her four-day sentence in county lockup rather than a city jail, sheriff's spokesman Steve Whitmore said Thursday.
Whitmore said he had no additional details at the time, including when Richie might surrender to begin the sentence that she had to complete by Sept. 28.
At the county jail, inmates often serve only a fraction of their sentence for various reasons, including overcrowding and good behavior.
Photos: Celebrity Mug Shots
A call to Richie's attorney, Shawn Chapman Holley, was not immediately returned.
The county has a special women's-only facility in Lynwood. It's the same place where Richie's friend Paris Hilton recently completed a 23-day stay for violating probation in an alcohol-related reckless driving case.
Richie said in an interview last month that becoming pregnant made her realize that she needed to change her life and take responsibility.
"I owe the baby my life," she told Diane Sawyer on an interview aired on ABC's "Good Morning America." "I owe this baby everything and I have a responsibility now. I'm now responsible for someone else. I need to set the right example."
With her rocker boyfriend Joel Madden at her side, Richie explained what happened on Dec. 12, the night she was arrested for driving under the influence.
She said she was driving on the freeway near Glendale, Calif., a neighborhood unfamiliar to the 25-year-old reality star.
"When I was getting off the off ramp, instead of making a left to get on the street, I went back on the off ramp," she said. "And I was in such shock that I just stopped the car. Then, within two seconds, police were there and we got off the freeway."
Richie admitted that she had been smoking marijuana and had taken the prescription painkiller Vicodin earlier in the day. She said she thought she was OK to drive.


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About Me
MIDNIGHT: 2yr old male domestic short hair. Magnificent Midnight would love to be part of a forever family…he's a special boy who deserves only the best. He came to DARG after being dumped at the vet and never claimed- sadly unwanted. Fortunately he came to DARG and is ready to be swept off his paws into a home where he'll be adored! Midnight is a cool cat with his glossy coat and gorgeous big eyes. He has a certain sense of charm about him! He loves to laze on the highest top of the scratch post in the DARG cat garden. A lovable, friendly beautiful cat!


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Paul Scholes
|Paul Scholes
|Date of Birth
|16 November 1974 (age 43)
|Place of Birth
|Salford, Greater Manchester, England
|5 ft 7 in (1.70 m)
|Manchester United
|National Team
|England (Retired)
[edit] FIFA 09 Background
Paul Scholes is an English midfielder who currently plays for Manchester United of the Barclays Premiership. Having spent his whole footballing career at the club, he is considered by many to be of the best players of his generation. Although one of the oldest players in the squad, he is still an important member of the team but because of his age, his pace does let him down and is sometimes replaced in the starting line-up by the much younger Anderson. His main strengths undoubtedly are his passing and ball control, which is very effective when needing to keep the ball or play a through ball to the strikers. He can also be deadly when given space to shoot from outside the box.
[edit] Stats
Acceleration: 69
Aggression: 89
Agility: 76
Balance: 75
Ball Control: *90
Crossing: 78
Curve: 70
Dribbling: 76
Finishing: 67
FK Accuracy: 67
Heading Accuracy: 76
Jumping: 69
Long Pass: 90
Long Shots: 83
Marking: 62
Penalties: 77
Positioning: *92
Reactions: 85
Short Pass: *92
Shot Power: 85
Slide Tackle: 57
Sprint Speed: 68
Stamina: 75
Standing Tackle: 67
Strength: 74
Tact. Awareness
Vision: *94
Volleys: 84
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Creating a spectacular steampunk costume takes a lot of time and attention to detail. Not everyone has time to make the costume they want for their next convention or event. However, there are seamstresses, tailors, artists and costume designers who create costumes for someone … [Read more...]
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Steampunk Costume for Men
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For anyone who loves steampunk, you know that goggles are a must have. If you are not up to creating and designing your own pair, why not start with one of these great pairs of steampunk goggles that you can purchase for very little money. You can spend more time on you costume … [Read more...]


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The 2013 CATAAlliance featured an Executive Panel of public and private sector executives who shared insights into Leadership for the 21st century. View the Gala agenda at:
Keynote speaker, Peter Aceto, CEO, ING Direct Canada, was joined by panellists Brenda Halloran, Mayor, City of Waterloo and widely recognized as a role model for her community leadership, as well as, Victoria Lennox, CEO of Startup Canada, who works relentlessly to unleash entrepreneurial potential in Canada.
Please take 25 minutes to hear Alumni CTV, Tech Now Moderator, Paul Brent, engage the Panel in lively discussions on the Social media CEO and keys for leadership success.
++ Action Item: Add to the Conversation on innovation, entrepreneurship and leadership at CATA's Social Media site (8000 members):