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Sunday Telegraph Cryptic No 2618
A full review by Crypticsue
+ – + – + – + – + – + – + – +
BD Rating – Difficulty **– Enjoyment ***
Of all the people who commented on this puzzle on Sunday, I appear to have been the only one who found it straightforward to solve; everyone else struggled with the left-hand side, although we all seemed to agree that Virgilius provided us with the usual great Sunday entertainment. My favourites are marked in blue.
Please leave a comment telling us what you thought. You can also add your assessment by selecting from one to five stars at the bottom of the post.
1a Has potential to destroy, ultimately powerful (8)
MIGHTY – MIGHT (in the sense of could possibly, so 'has potential') followed by the last letter of destroY (ultimately) produces another way of saying powerful.
4a Fights violently before work – go there for the present (8)
GIFTSHOP – Somewhere to go and buy a Christmas, or indeed any other sort of, present, is an anagram (violently) of FIGHTS followed by (before) OP (work).
10a Threatening to execute you and me over outrage (9)
DANGEROUS – Insert ANGER (outrage) into DO (execute) and US (you and me) to get an adjective meaning threatening or unsafe.
11a Left port with cargo on board (5)
LADEN – A charade of L (left) and the port of ADEN makes an adjective meaning loaded with cargo, the on board being a reference to its original association with ships.
12a Extremely banal ceremonies, time after time (7)
TRITEST – Very banal, worn out and hackneyed – Follow a T (after time) with RITES (ceremonies) and T (time).
13a Bad feeling sounding even more offensive (7)
RANCOUR – Spite, bad-feeling or enmity, ie RANCOUR sounds like RANKER (more offensively strong-smelling or tasting).
14a Dance music with beat and energy (5)
TANGO – An Argentine dance tune is derived from a simple charade of TAN (beat) and GO (energy).
15a A Petty Officer, say, who's deserted? (8)
APOSTATE – Another charade – A (from the clue) PO (Petty Officer) and STATE (utter). A deserter from any allegiance, usually someone who has abandoned their religion or principles .
18a Resort in which you could find British? You bet! (6)
BRIGHTON – The well-known South Coast resort is easily obtained from this nice wordplay. B (British) plus RIGHT ON, which Chambers describes 'as an [American] interjection expressing enthusiastic agreement or approval".
20a Unqualified, so to speak (5)
UTTER – A double definition – an adjective meaning total, absolute, out-and-out, ie unqualified; or a verb meaning to speak.
23a One who reworks text, making advertisement more suitable (7)
ADAPTER – Someone who rewrites a piece of text, for example when writing the screenplay for a film of a novel might also, if split 2, 5, be making an advertisement or AD, APTER or more suitable.
25a Part of Canada – one close to Victoria, note (7)
ALBERTA – One of the Canadian Provinces is derived from the person who was closest to Queen Victoria than anyone else, Prince ALBERT followed by the musical note A.
26a Material from friend, ultimately getting nothing for a change (5)
CHINO – A strong cloth of twilled cotton – The Cockney rhyming slang for friend is CHINA – do as the clue instructs and replace the A at the end with an O (O [nothing] for A).
27a Spotted animal damaging a tail? Damn (9)
DALMATIAN – A spotty dog is an anagram (damaging) of A TAIL DAMN.
28a Self-confident and organised in concert (8)
TOGETHER – A triple definition – TOGETHER does indeed mean (a) self-confident (b) organised and (c) in concert (agreement, harmony).
29a He wasn't great as a baker! (6)
ALFRED – My favourite clue – He might not have been able to look after cakes while they were being baked, but ALFRED, King of Wessex, was known as the Great, amongst other things because of his resistance to Danish invaders.
1d Thoroughly consider revision of text penned by partner (8)
MEDITATE – The first two words of this clue match the Chambers definition – Insert EDIT (revision of text) into (penned by) MATE (partner).
2d Agent, in moving article, makes a bloomer (7)
GENTIAN – A blue-flowered Alpine plant – move the A (article) from the start of AGENT IN along to fill the space in front of the second N.
3d A number of TV series, perhaps, that could make me honest and good (5,4)
THEME SONG – Number ? – Roman? Anaesthetic? – ah music! Every TV series has its THEME SONG – an anagram (could make) of ME HONEST and G (good).
5d Allowing coverage about horse is too great to overcome (14)
INSURMOUNTABLE – An adjective meaning too great to get the better of or overcome – insert MOUNT (horse) into INSURABLE (capable of being covered by insurance).
6d Hawk's part in brutal onslaught (5)
TALON – The hidden word clue is back! Hidden in bruTAL ONslaught is a hooked claw found on the foot of a hawk .
7d Mostly awful temperature for retreat (7)
HIDEOUT – Take nearly all of HIDEOU(S) or awful, add T for temperature, and you are left with a type of retreat or hiding place.
8d Criticise attempt to make room for food (5)
PANTRY – Another simple charade to produce a small room or large walk-in cupboard where food is stored – PAN (criticise) and TRY attempt).
9d Shorten part for violin in something played by quartet (8,6)
CONTRACT BRIDGE – A game of cards played by a quartet of four players – CONTRACT (shorten) and BRIDGE (an upright piece of word supporting the strings of a violin).
16d Sketch you don't want to come under the hammer (9)
THUMBNAIL – You might not want your small drawing or sketch to go to auction (come under the hammer) but you certainly wouldn't want that part of your body with the same name to be hit by a hammer!!
17d Prepared to provide service, otherwise took food around area (8)
ORDAINED – Admitted to holy orders, after which time one could officiate at or provide church services – OR (otherwise) DINED (took food) with A inserted (around Area).
19d Some basic education in place of university (7)
READING – One of the three R's which you would definitely need to have mastered before attending a university of the same name in Berkshire.
21d Tenacious type's blunder in bank (7)
TERRIER – A keen eager person – insert ERR (blunder, mistake) into TIER (bank, row or level).
22d Something lucky maiden found on course (6)
MASCOT – A talisman or bringer of good luck – M (maiden) followed by (found on) ASCOT (race course).
24d Strongly recommend catching river fish (5)
TROUT – To get a fish often found in rivers take a verb meaning to advertise or recommend strongly TOUT and insert R for river .
Thanks to Virgilius once again for the usual excellently crafted Sunday puzzle.


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Credit is an issue across the foreign exchange market, as lack of transparency in traditional operations means that institutions may be unable to manage their credit lines efficiently. Banks are looking to change the way they operate to make middle and back-office functions more efficient.
Sucden Financial has announced that it has now access to Cobalt's range of middle and back office trade solutions, including its Core Credit module. The company is accessing Cobalt's broad range of services via IHS Markit's connectivity service.
Last year, Citi stated it would be scaling back the number of platforms it trades on to save costs and earlier this month, the bank announced its intention to go live on Cobalt's centralised infrastructure for bilateral trading.
Cobalt's Core Credit solution offers a centralised credit management tool for all relationship types, including bilateral and primed flow, and be used by banks, prime brokers, prime clients and direct clients. This allows owners of credit to gain control and manage lines more efficiently and ensure all users have real time monitoring tools.
Gavin Parker, COO from Sucden Financial, commented on the news:
We continually enhance our services, utilising the latest technology to increase efficiencies for clients. Cobalt provides an exciting cutting-edge solution, enabling us to further expand our institutional FX offering.
Darren Coote, CEO of Cobalt, said:
Credit management within FX has long been a problematic area for all market participants. With further adoption of Cobalt's technology across a variety of market participants, we are working towards centralised infrastructure for the future of FX.
Other institutions that are already live on Cobalt include Deutsche Bank, XTX Markets and Saxo Bank.

subset: commoncrawl


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And, the big talk today was about the weather. Not the weather today, but the weather which may or may not happen come Sunday. Some folk were saying they heard we are going to get twelve inches of snow. Others said six inches. The forecasters at the National Weather Service in their discussions are saying St. Louis sets on the boundary again. We are as likely to get two inches or less as we are to get eight. What I find most interesting about all the talk is none of this is suppose to happen until Sunday. Today is Friday. Tomorrow has the chance to be a pretty nice day with warmer temperatures than we've been having all week, yet all I heard about was Sunday. I sometimes think people just like to scare themselves. Oh well, I'm not going to worry about Sunday's weather until I get up Sunday morning. After all, it isn't like there is much I can do about anyway.
If you get a chance to ride, please, be safe and ride strong.
- 32F/0C and cloudy for the ride to work.
- 43F/6C and overcast for the home ride.


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Governor Sununu to attend ceremony for Bush
CONCORD, N.H. (AP) — New Hampshire Gov. Chris Sununu is going to attend the arrival ceremony for former President George H.W. Bush at the U.S. Capitol as the nation prepares to bid farewell to its 41st president.
Bush, who died Friday, was president from 1989 to 1993. He will lie in state beneath the U.S. Capitol rotunda for a ceremony and public visitation from Monday through Wednesday. Following a funeral service Wednesday at Washington National Cathedral, Bush will be returned to Houston for a service and burial.
Sununu is returning to New Hampshire later Monday. The New Hampshire State Constitution requires him to swear in the new state Legislature on Wednesday.
Sununu's father, John H. Sununu, was White House Chief of Staff to Bush.


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Hartford Police have arrested a man for the second time in three weeks after he was found illegally carrying a gun on Saturday.
Police said they learned that Jose Rivera-Cruz was near Bond Street, armed with a gun shortly before 5 p.m. When officers tried to initiate a motor vehicle stop for motor vehicle violations, police said Rivera-Cruz engaged them in a short vehicle and foot pursuit that ended on Columbus Boulevard.
Rivera-Cruz was found in possession of a RAC .45 caliber semi-automatic handgun at the time of his arrest, according to police.
He was arrested and is facing multiple charges including reckless driving, evading responsibility, criminal mischief, misuse of plates, criminal trespass, interfering with police, weapons in a motor vehicle, criminal possession of a pistol/revolver, carrying pistol without permit and engaging police in pursuit.
Rivera-Cruz was held on a $1.2 million bond.
Officers said Rivera-Cruz was also arrested on Bond Street less than three weeks ago. Police said he was found in possession of a Colt M-15 rifle, a stolen 9mm Glock handgun, 366 bags of heroin/fentanyl, 6 grams of crack cocaine, 4 suboxone films and 37 rounds of live ammunition. He had been released on bond.


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5 Mil Letter Laminating Pouches 1000 Pack Hot Melt 9 x 11.5 Lamination Supplies. 9 inches x 11.5 inches (229cm x 292cm). Thermal Pouches fits documents up to. And protect documents that you handle frequently.
Great for children's artwork. Keeps documents looking crisp and clean. Seal & Protect your documents. 9" x 11.5" (229cm x292cm).
Orders placed after 10 a. Item damaged on the way. Item received not as described. Item broken within seven days upon arrival. Good communication can solve every problem.
We'll do our best to slove the problem for you. The item "5 Mil Letter Laminating Pouches 1000 Pack Hot Melt 9 x 11.5 Lamination Supplies" is in sale since Friday, August 25, 2017. This item is in the category "Business & Industrial\Office\Office Equipment\Laminating Equipment\Laminating Rolls, Sheets & Pouches".shop" and is located in Rowland Heights, California.
This item can be shipped to United States.


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Gurgaon is well known town for its business. All the leading corporates are located in this city. Whether it is manufacturing, IT, or even multinational companies, it is easy to find all of it at this destination. This compels many builders to build out commercial project in Gurgaon. They are offering good quality and infrastructure. The main aim of these projects is offer the space for running out the business smoothly.
Here in this article you will know about the latest commercial space in Gurgaon. These projects are built by well-known construction companies.
This project is developed by ElanBuildcon and it is located at sector 67. It is mainly dedicated for the commercial space like office and retail shops. It also offers a great connectivity from the Golf coruse extension. The proposed metro station and the international airport is also near to this project. It is registered under the RERA policy.
Coming on the amenities of the project, it is has all the important facilities like food court, ATM, Cafeteria, lift, video door security. The surrounding area is fully covered with greenery to give out the best look.
· Price: 18 Lac to 10.26 Crore
· Possession: February 2022
M3M Urbana Premium
It is developed by M3M India. This commercial project in Gurgaon is fully dedicated for the office and retail shops. This site is fully enriched with all the modern facilities. This project is providing the location advantage. It is well connected via public transport. All the important destinations are near to this project, making the accessible reach easy.
As far as if the amities are considered, there is 24x7 securities. There is an ATM, food court, split AC and fire fighting system.
· Price: 54.44 lac to 1.94C crore
· Possession: February 2024
JMS Crosswalk
JMS Buildtech builds this project which is located in sector 93 Gurgaon. It has all the features like food court, swimming pool, ATM, Water softener plant, Cafeteria and video door security. The total area is spread over the 2 acres of the land. The important destinations of the city are near to this site which makes accessibility fast.
· Price: 10 Lacs to 6.61 Crore
· Possession: Dec 2021
AIPL Joy Square:
AIPL building group has developed AIPL Joy Square project for commercial purpose. It is dedicated for the retail shops and offices. This project is has all the modern facilities like food court, RO system, ATM and swimming pool. There is terrace garden for availing the fresh time. The high speed elevator is joining all the floors in the building. The conference room is providing the space for the meeting and others get together.
· Price: 35000 to 2.68 crore
· Possession: December 2021
Last word:
The commercial project in Gurgaon is providing all the modern facilities. They are holding an important place in the whole country. Along with the quality, these projects also provide good return on investment. One who is looking for the commercial projects could choose these sites. It is for sure, you will not get regret after purchasing these sites.


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Illegally adopted constitutional changes will create a vacuum of state power in Russia
"The upcoming vote on the 22nd of April is not about the minimum wage and school lunches. It's about turning the country into a tyranny" – Mikhail Khodorkovsky
On April 22nd, unless postponed due to the current COVID-19 pandemic, Russian voters will be asked to participate in a 'nationwide poll' to endorse a set of fundamental changes to the Russian Constitution signed into law by President Putin on March 14th. The Russian Constitutional Court had found no objections to the changes adopted by the Duma and backed the "nullification" of Putin's previous two terms as Russian President allowing him to run again in 2024 with the possibility of re-election in 2030.
There is no legal basis for a 'nationwide poll' to endorse constitutional changes.
Over 100,000 Russian citizens, including members of Russian legal expert community, human rights defenders, members of the independent media and political activists, have signed a petition to the Council of Europe to conduct an independent review of these changes. There is still time to act and voice your position against these anti-democratic changes. As leaders of the free world prepare to visit Russia on May 9 to celebrate the 75th anniversary of Russia's victory in the WWII, it is essential that they are aware of the context in which Putin is inviting them to Moscow.
On January 15th, whilst making his annual speech to the Federal Assembly, Putin announced his wish to amend the country's main law, the Constitution of the Russian Federation.
Immediately after this, a committee was created to prepare amendments. This committee was made up of athletes, artists, public figures, as well as a small number of lawyers, who did not specialise in constitutional law.
The amendments were introduced to the State Duma on 20th January. Only three days of discussions took place before voting began.
During the first reading on January 23rd, the State Duma adopted the amendments.
On March 10, State Duma adopted the changes in the second reading. Valentina Tereshkova, an 83-year-old lawmaker and the world's first woman to fly into outer space, "unexpectedly" proposed to include in the changes re-setting Putin's previous presidential terms served back to zero.
As a result, Putin will be eligible to rule until 2036. If he serves until then, Putin will have held the nation's highest office for 32 years, longer than Stalin.
The Federation Council approved the changes on March 13th, Putin formally signed them on March 14th and the Constitutional Court approved the amendments on March 16th.
On April 22nd, a nationwide poll (not a referendum as prescribed by law to approve constitutional changes) is set to be held, to gauge voters' views on these amendments that have already come into force.
"Nationwide poll" – an illegal procedure
The Kremlin is seeking popular endorsement of the constitutional changes. Yet it is impossible for voters to cancel them because they have already entered into force.
Beyond elections, Russian law only allows referendums as a procedure to conduct a popular vote. A referendum has a prescribed procedure with definite deadlines, formalities, observer rights, and accountability for voter fraud.
The 'nationwide poll' will present the constitutional changes as a package – meaning people will vote for all the amendments simultaneously. It will not be possible to accept some but not accept others. At the same time, Putin is asking voters to approve two populist measures: the indexation of pensions, and an increase in the minimum wage. These do not relate to the Constitution and are designed to assuage opposition to the package of amendments.
The Russian Constitution has clear rules on changes to the country's fundamental law. They are only possible through the convening of a special body- the Constitutional Assembly. To circumvent this rule, Putin is seeking to changes these rules as part of the package of amendments.
Internal contradictions
A consequence of Putin's unwillingness to comply with the legal procedure for amending the Constitution, the revised version will contain a number of contradictions.
For example, one chapter declares the secular nature of the Russian state, while another chapter mentions belief in God as an inherited tradition.
One chapter states the primacy of signed international legislation over Russian legislation, while another indicates that international agreements will not apply if they contradict Russian law.
The Constitution states the equality of all races and people, but the changes refer to people who are part of a 'state-forming' sector.
Far Reaching Consequences
The main political consequence of the amendments is that Putin has subverted the Constitution to strengthen his hold on power.
To preserve his rule, the Russian Constitution now formally defines the possibility to disregard Russia's international legal obligations.
The violation of the legal procedure for adopting amendments to the country's fundamental law will inevitably create a vacuum of legitimate state power in Russia. Strictly speaking, a procedure of this kind amounts to a coup d'etat. All public authorities that participated in such a coup will lose the legal basis to enforce their powers. The problem is that Putin's amendments affect all branches and all levels of government. This means that all decisions, all the actions of authorities, at all levels, could be challenged and called into question.


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This is the tenth release of the label from Xavier Bizot and Lucy Croser. The fruit grown on the 35 million year old soil Crayères vineyard in Wrattonbully. Complex wine making compared to many Australian and New Zealand Sauvignon Blancs. After fermentation, the wine was left on lees (dead yeast cells) for one month without sulphur or bâtonnage (lees stirring). Then a touch of sulphur and another nine months on lees, with stirring every two months. No malolactic fermentation to ensure bright acidity to cut through the built up texture.
Terre à Terre, Sauvignon Blanc, Wrattonbully, 2018
Light lemon-gold hue to the wine. Light ginger nut snap biscuit, passionfruit seeds with minerally, stony earthen qualities. An inherent nut cream note from the lees work with grapefruit and lemon citrus. Light oak as a support. Complex and textural palate with wonderful smoky minerally lines, carried all the way through by a sharp current of acidity. Styles like this show the potential for Sauvignon Blanc.
Alc: 13.1%
Rating: 19/20
Wine sample courtesy of Terre à Terre Wines


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Kellyanne Conway addresses Trump's feud with her husband
Kellyanne Conway has once again addressed the ongoing feud between her boss, President Trump and her husband - George Conway.
Speaking to Fox Business she said:
"George Conway also has been very critical of the president publicly, which is unlike him because he's traditionally been a very private person," Conway said.
"In 2016, which was known as the 'year of the tweet,' George Conway sent exactly zero tweets. So this is new. And what is also new is not supporting the agenda of the president and my work there."
"I'm not being asked to choose between my marriage and my job," she later added.
Trump hopped on Twitter on Wednesday to once again slam Mr. Conway, saying:
"George Conway, often referred to as Mr. Kellyanne Conway by those who know him, is VERY jealous of his wife's success & angry that I, with her help, didn't give him the job he so desperately wanted. I barely know him but just take a look, a stone cold LOSER & husband from hell!"
But Conway hit back on Thursday morning, saying:
"He lies even when it makes no sense to lie," he tweeted.
"As one of his lawyers once told me, Trump couldn't be allowed to talk to [special counsel Robert] Mueller because 'he'd lie his ass off.'"
Despite Mrs. Conway's claims that Trump's feud with her husband is not affecting her marriage, the fact that she seems to be publicly taking Trump's side over her husband's must cause more than a little friction behind closed doors.


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Currently, TieTalent mainly focuses on IT candidates such as Data Scientists, Cyber Security Engineers, Developers, Data Analyst, etc., and on Digital Marketing talents such as SEO/SEM Analyst, Social Media Managers/Community Managers, Digital Analyst, etc.
The majority of our candidates have at least 2-3 years of experience as our focus is junior to middle level management profiles.
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Their role is to:
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The interviews will take place via Skype. Therefore, we advise you find a place where you have a good internet connection, with a professional and quiet background.
We use a unique combination between human and algorithm based pre-screening process that will review your profile (expectations, skills, location, languages, etc.) and provide relevant matches with companies looking for a profile like yours.
The number of interviews sent to our candidates will largely depend on the current company needs.
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Refer tech friends to TieTalent and we will send you a reward of CHF 500 for each friend that accepts a job or a temporary position on our platform. A member of our team will contact you once one of your friends gets hired.


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Kenton improved to 8–3-2 on the season with a 7-0 victory Saturday in Sandusky.
Reed Cook started the scoring for the Cats when he drilled a free kick from 23 yards 15 minutes into the game. Ten minutes later Hunter LaRue assisted Trent Yoder for a 2-0 lead. Riley Risner capitalized on a keeper miscue one minute later to make it 3-0. Nick Anderson found KP Miller with a nice through ball to make 4-0 going into halftime. Two minutes into the 2nd half Nick Anderson found the head of KP Miller for his 2nd goal of the game. Half way through the 2nd half KP Miller assisted Gus Forester. Colby Quay scored a hustle goal to cap off the scoring. Brent Rader saved a PK and made an additional save recording the 8th shutout on the season for the Cats.
The JV Cats lost a tough fought battle with Avon 2-0. Devin Miller recorded 6 saves in goal for the Cats. They fall to 9-3 on the season.
Both teams are back in action tonight (Monday) with state ranked #7 Shawnee coming to town. JV kicks off at 5 and varsity at 7.


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Now showing items 1-2 of 2
BALTA Project C-14 - Leadership in the Community Sector: Understanding the Challenges, Competencies and Needs of Practitioners in the Social Economy
This proposal/plan describes research being conducted by the BC-Alberta Social Economy Research Alliance (BALTA) in association with the University of Victoria. This project gathered information about the educational needs ...
Empowering our Citzens & our Communities: Building an Engine for Social & Economic Change
Mike Lewis, principal investigator of the BC-Alberta Social Economy Research Alliance (BALTA), gave several presentations in November 2006 as part of a speaking tour in Germany. His topic was the Canadian Experience in ...


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Skeleton drawings
Discover Pinterest's 10 best ideas and inspiration for Skeleton drawings. Get inspired and try out new things.
Description So this is my last picture from the art course which I attended since 22th August till 1st September. It was supposed to last only ten days, but we got one bonus day We could choose from few things in the atelier which we want to draw or paint, so I borrowed a skelleton, but only managed to draw a skull. I took me a long time to get the proportions right. It's done with charcoal.
Fatmah Fakhroo saved to Drawing
Noel Badges Pugh
Rheanna Phillips saved to art
Jetzt die Vektorgrafik Menschliches Skelett Knochen Und Gelenken Vektor Skizzieren Isolierte Abbildung Hand Gezeichnet Doodle Anatomie Symbole Set herunterladen. Und durchsuchen Sie die Bibliothek von iStock mit lizenzfreier Vektor-Art, die Menschliches Skelett Grafiken, die zum schnellen und einfachen Download bereitstehen, umfassen.
Bianca Ciaccio saved to Nee project
Description can't go too long without drawing some sort of skeletal form ...................always
Skull yoga meditate illustration PNG Image. Edit Online and Create T-Shirt & Merch Designs ready to sell. Download as Transparent SVG, Vector, PSD.
Mcshismeet saved to Handprint crafts
halloween, art, skeleton, fairy, butterfly, magical, drawing, sketching
Ulzhan Zhubatkan saved to Быстрое сохранение
Description Here we find the first of my new Anatomy Studies, the torso of the skeleton. I thought it was about time to actually learn the inner workings of the figures I draw all day every day, so here we go. I'm pleasantly surprised to find I'm actually enjoying the process quite a bit. This drawing took me about a week, 10 - 20 minutes a day.
Emese Zalányi saved to art


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Being an Eg:le Club member means having one of London's best fitness, spa and relaxation offerings right on your doorstep.
Two state-of-the-art gyms, an
indoor pool with aquatic facilities, a luxurious indoor
and outdoor spa. Life at Embassy Gardens takes wellbeing
to a
The 25m swimming pool is only accessible to Eg:le Club members and their guests.


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Get a quote for Travel Insurance today. Corporate Travel Insurance quotes also available.
As the coronavirus crisis grows, should you stay or should you go when you've already booked your flight?
Here are quick answers to your frequently asked questions:
Q: Should I still travel?
A: The advice is against 'all but essential' travel. The Foreign and Commonwealth Office (FCO) is currently advising against travel to a number of areas due to the ongoing outbreak. Please check the UK FCO website for country-specific information.
Be aware that there may be enhanced screening/monitoring at entry and exit ports. In some countries, you may also be required to self-isolate for a set period, even if you do not have symptoms.
Q: Can I get a refund if my flight is cancelled?
A: Flights to affected areas are being cancelled based on FCO advice and some are solely due to a downturn in bookings.
If you booked directly with an airline, you are eligible for a refund or to rebook free of charge (although you may still have to pay any fare difference incurred). If you booked through a third party, you will need to contact them to find out your options.
Q: I'm apprehensive to travel but I'd like to push through. What does my insurance cover?
A: Airlines, tour companies and insurance providers have no obligation to offer refunds based on panic.
So if you decide not to travel to anywhere outside the FCO travel risk list, you are unlikely to get refunded. It's worth checking because some providers may allow you to move the booking as an incentive or an act of goodwill.
Q: Am I insured for cancellations?
A: Contact your airline, hotel or tour operator to check their policy.
If they can't help, you will most likely need to have travel disruption cover included in your policy if you plan on travelling and getting insurance.
AA, Co-op, LV and Virgin Money all have policies that will cover for cancellations based on FCO advice, and hotel costs should your flight be cancelled. You also have protection using a credit card if your booking was more than £100.
Q: What if I end up in quarantine?
A: Comply with the rules of local authorities, which will probably involve a 14-day quarantine. It is unclear who will cover the cost of your journey home: either the UK Government could arrange a rescue flight or your travel insurance could cover your return. Check your policy provider.
Most insurance policies will cover medical costs should you become ill overseas but make sure you check the small print. If you've booked and simply don't want to travel because you're worried, you won't have grounds for a refund.
Upon Your Return
Returned travellers who feel unwell with either a high temperature or new continuous cough, need to self-isolate for 7 days, see the Public Health England stay at home guidance. There is no need to call NHS111 to go into self-isolation. However, if symptoms worsen during home isolation or are no better after 7 days, returned travellers in England, should contact NHS 111 online. Those without internet access, should call NHS 111 and for a medical emergency dial 999. In Wales and Northern Ireland contact NHS 111. In Scotland, phone your GP or NHS24 (111).


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PAGCOR seeks to collect at least P2.5 billion from POGOs
The Philippine Gaming and Amusement Corp. (PAGCOR) is hoping to collect at least P2.5 billion more from Philippine Offshore Gaming Operators (POGOs) for the rest of this year once they resume full operations.
According to PAGCOR chairman and executive officer Andrea Domingo, PAGCOR has already collected P1.8 billion in obligation and processing fees from POGOs from January to March 18. To generate more revenues from offshore gaming industry players, Domingo said PAGCOR hoped that POGOs would resume "operations in June."
On May 1, the government announced the partial reopening of POGOs, with the condition that the gaming operators and their service providers must first settle all their tax liabilities before resuming operations.
To date, there are 60 licensed POGO operators and some 237 service providers in the country.


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Kim Richards' rep is responding to claims of a potential downward spiral.
Following a report which suggested the 54-year-old Real Housewives of Beverly Hills star was hospitalized earlier this month after what may have been some sort of a mental breakdown, her rep is speaking out about her current health.
"[Kim is] doing fine [and] working on a big project right now," the rep revealed in the latest issue of Us Weekly magazine.
Earlier this month, ahead of filming on season 10, a report claimed Kyle Richards, 50, was hoping to see her older sister return to rehab because she wasn't "doing well."
"Kyle became aware that Kim was struggling in recent weeks and got extremely concerned based on what she was hearing," an insider told Us Weekly magazine on August 13.
Days later, another insider told the magazine that Kim had been taken to the emergency room at UCLA, but she failed to complete her stay at the hospital after a supposed breakdown, during which the RHOBH star was "incoherent" and "rambling."
At the same time, the insider claimed Kim's 33-year-old daughter, Brooke Wiederhorn, had been watching her mom "in a downward spiral for weeks."
"Doctors did a toxicology screening, but Kim left the E.R.," a second source added.
While Kim and Kyle have been faced with more than their fair share of ups and downs over the years, Us Weekly magazine's insider said Kim had been "extremely receptive" to Kyle's concerns.
"It's going to be an ongoing conversation, but the good news is that Kim is being extremely receptive to Kyle, recognizing she is coming from a place of love," the insider stated. "Kyle isn't giving up and is trying again to get Kim to agree. It's more for mental health than sobriety issues."
The Real Housewives of Beverly Hills season 10 is currently in production and expected to air on Bravo TV sometime early next year.
Photo Credit: Francis Specker/Alamy Stock Photo
Top Stories This Week!
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text: At 06:27 PM 3/20/97 -0600, Karl Denninger wrote: >On Thu, Mar 20, 1997 at 04:15:12PM -0800, Hong Chen wrote: >> >> Yes, we have to do something about it. Recently, I have seen >> several large ISPs got affected by Internic. >> >> I know for sure that both Aimnet.net and Internex.net are >> putting on hold, despite the fact that Aimnet.net already >> paid and our check was cashed 2 days before they put us >> on hold. >> >> You just cannot imagine how many our customers are getting >> affected. CRL, Aimnet, and Internex likes are major ISPs with >> hundred and thousands of corporate customers using their >> services. Actually, its been rather interesting. Talk about opportune times for the domain to disappear. I've been hanging out in New York, trying to get at my email when all of a sudden the domain disappeared. Its been rather interesting trying to keep up on events once the domain disappears. I don't even know how much email bounced back as "undeliverable, no such address" to sites that have also automatically removed me from mailing lists and the like. In some cases, news had some interesting issues when the names disappeared. *SIGH* Mistakes happen I suppose, however these are rather expensive... You can't believe how expensive they can cost you... I would like to have as part of the whois process to be able to look at the account balance and last check reciept so that I at least can tell if the InterNIC is about to screw up on myself or a customer. The burden of proof on me however is definately unacceptable, but barring a long lawsuit and the like, I'd at least like to be able to see what their records on me or my customers look like. Marcos ''' (o o) -oOO--(_)--OOo-------------------------mdella at internex.net--------- Marcos R. Della Senior Engineering Project Consultant


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How do you recharge your mental attitude?
With all the negativity on TV, social media, and in everyday conversations, what's your tried and true weapon against this enemy?
Gratitude, purpose, forgiveness, and a plan.
• • • • •
This website is about our MIND. To read today's post about our BODY, click here.
If you want to stay on this site and read more posts from this Blog, click here.


text: Welcome high fashion friends! Start preparing today with these easy solutions to change up your style: 75 cute summer outfits to wear. Whether you're hitting the gym or heading to class, make sure your look is sharp! Combining comfort and style to perfection, this stunning outfit is both simple and trendy, which makes it simply ideal for this season. Enhance your wardrobe with ready-to-wear look and global fabrics such as calico, denim and barathea.


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Council of Russian Commissioners took place in Khabarovsk
13 September 2017
On September 12 in Khabarovsk, under the chairpersonship of High Commissioner Tatiana Moskalkova, a meeting of the Council of Commissioners for Human Rights was held.
Participants of the event discussed the organization and conduct of the forthcoming Coordinating Council of Russian Human Rights Ombudspersons in December, as well as a draft provision on the Coordinating Council of Russian Commissioners of the Century.
Commissioners for Human Rights also paid special attention to the draft federal law "On the general principles of the organization and activities of human rights Commissioners in the constituent entities of the Russian Federation".


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Plans for the new dual carriageway – between Windy Harbour and Skippool – were unveiled today as part of Highways England's preferred route announcement (PRA) for the project which is part of the Government's £15 billion Road Investment Strategy (RIS).
Roads Minister Jesse Norman said:
The Government is taking major decisions for Britain's future and delivering the largest roads upgrade in a generation.
The £100 million new bypass along the A585 near Poulton-le-Fylde will boost the regional economy as well as reduce congestion and cut journey times for drivers.
The 2.7 mile Windy Harbour to Skippool section is one of the busiest and most congested along the 11.5 mile road which links Fleetwood to the M55. The Shard and Little Singleton junctions are particular congestion bottlenecks.
The announcement follows last year's consultation – in which 78 percent of people and both Fylde and Wyre councils backed the bypass option over an alternative to improve the existing single carriageway road.
Highways England project manager David Hopkin said:
We are delighted to announce we have decided to take the Southern Bypass option forward. It was comfortably the most popular option in a consultation in which almost everyone agreed that something needs to be done about congestion along this section of the A585.
The new road will help secure and improve opportunities for housing and jobs in this part of Lancashire and contribute to improved connections to the whole of the motorway network.
Work to construct the new road could start in early 2020 but the bypass is subject to a statutory consultation.
Highways England also revealed today it is continuing to consider options for the Garstang New Road junction. Another idea to link the new bypass to Shard Road which was raised by local people during the consultation will also be investigated.
More details of the consultation report and today's announcement are available on the scheme website.
General enquiries
Members of the public should contact the Highways England customer contact centre on 0300 123 5000.
Media enquiries
Journalists should contact the Highways England press office on 0844 693 1448 and use the menu to speak to the most appropriate press officer.
Link: Press release: Dual carriageway bypass unveiled for key A585 improvement
Source: Gov Press Releases


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Don Jamieson is a television host, podcaster and comedian, and this month, he has released his latest stand-up comedy album, Denim and Laughter.
Jamieson is a huge fan of hard rock and metal music, so as with all of his previous album releases, he has paid homage to an iconic album by using his own version of its title and artwork. Previously he's done it with Judas Priest (Hell Bent for Laughter), Thin Lizzy (Live and Hilarious) and this time around, Saxon gets the nod.
Recorded live in a "speak easy" in front of 40 Jamieson fans, this album presents a very funny set. Nothing is off limits, with Jamieson declaring at one stage "there's the line, and this is me crossing it, coz I don't give a fuck!".
He's not P.C, and totally unashamed about it, so if you are overly P.C, this record won't be for you.
There are lots of rock and metal related humour for metal heads with a funny bone. Names like Keith Richards, Zakk Wylde, Sebastian Bach, Kiss, Ozzy Osbourne and Alice Cooper come up, while Jamieson is not afraid to be self deprecating either – making light of his recent colonoscopy as well as his dating history.
It's also a well constructed set, with each topic seamlessly leading to the next.
It's 44 minutes long, and well worth a listen or two.
Shayne McGowan.


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But in continuation of my previous goal of celebrating the things I love, I want to share two recent finds with you.
My DH is a bit of a comic nerd. I actually really appreciate this about him. I can tell him all about the ins and outs of the children's writing world, and he explains to me the same about the comic world. In some ways they're very similar, but in other ways (audience, financial concerns, market set-up), they're quite different.
Occasionally the two worlds overlap, and Phil is always on the look out for comics I'll love. Thanks to him, I've had the pleasure of reading RE-GIFTERS by Mike Carey, POLLY AND THE PIRATES by Ted Naifeh and I KILL GIANTS by Joe Kelly, all well-written comics with young adult main characters.
When Phil read the first issue of THE UNWRITTEN by Mike Carey and Peter Gross, he told me we needed to read it together. We just finished the 6th issue this past weekend, and I am absolutely riveted by the story. Book lovers NEED to be reading this comic. It combines a Harry Potter-esque story with literary history (Kipling, Twain, and Wilde all make appearances). Here's a blurb of a review from Wired:
"The Unwritten is a fascinating piece of speculative literary geography wrapped in an unassuming comic book from DC Comics' mature Vertigo line.
"With casual yet deeply informed writing from Mike Carey and accessible art from Peter Gross, The Unwritten sucks you in as a witty satire of heroic boy wizards like Harry Potter, then blows your mind in the strange netherworld between truth and fiction. The ongoing saga maps the intriguing territory where fandom, literature, conspiracy theory, metafiction and magic mash together, making it one of the brainiest and most interesting comics of the year.
"On its surface, The Unwritten chronicles the bizarro misadventures of Tommy Taylor, whose father wrote a series of insanely popular books about a boy-genius wizard named … Tom Taylor. The setup gives Carey and Gross the perfect springboard for diving into an ancient conspiracy that spans from literature to the internet, using the history of text as torsion. And as Taylor investigates, he stumbles from a low-level celebrity to an accidental savior, at war with a cabal with no name."And yes, it's that good.
Earlier this week, I had the pleasure of watching the movie The Jane Austen Book Club. It was recommended by Thea on the fantastic The Book Smugglers' blog. While I'm not a romance reader at all, I like chick flicks. A lot, actually. But nothing makes me more angry than an inaccurate or misogynistic portrayal of women. So I don't watch many chick flicks. Thea promised The Jane Austen Book Club to be "Heartstring-tugging, refreshingly romantic in a way that isn't condescending, and realistic." And I trust Thea (and her counterpart, Ana). Plus, the doctor (and my parents) told me to take it easy (so lots of movies!).
I'm happy to say, The Jane Austen Book Club lived up to all my hopes. I laughed out loud, I got a little teary-eyed, and I want to tell all my fellow chick flick friends about this lovely movie. Besides, how can you go wrong when you combine a Jane Austen lover with an Ursula le Guin lover? Thanks, Thea!


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Romanians who prefer to keep their savings in bank accounts are losing money in real terms, but there are few other choices available due to the lack of safe investment opportunities on the market.
Generally, people who prefer to keep their money in banks are rather conservative, with a high degree of risk aversion.
In normal conditions, banks attract people's money by offering insurance against inflation, an indicator that has two economic meanings: it measures price increases and money depreciation.
This insurance takes the form of a real interest rate – which normally has to be at least at the level of expected inflation in order to keep the value of money or even to increase it.
In Romania, the good old days of positive interest rates are long gone. Since 2017, the interest rates have turned negative as a consequence of the government's inflationary policies and the dovish monetary policy of the central bank, which preferred to keep interest rates low despite soaring inflation. At the moment, the key rate of the Romanian central bank is 2.5 percent, but the annual inflation rate was above 4 percent for much of last year. The monetary policy rate is a reference for the interest offered by banks on savings, and the latest official data show that customers don't get much from banks for keeping their cash. In May 2019, the average interest rate for a bank deposit – for both households and businesses – was 2.4 percent (for 6-12-month maturity), while the central bank estimates that the inflation rate will be 4.2 percent in December 2019 and 3 percent in June 2020. That means that all savers with cash in the bank will lose money during the next year.
A simple calculation indicates that, for a RON 1,000 deposit made in May this year, in a caeteris paribus scenario (without taking into account the bank fees), the saver will receive RON 1,025 over one year, but that sum has the same value as RON 995 in May 2019 due to deflation (depreciation of money). However, the situation has steadily improved over the last year as banks have slightly increased interest rates, while the inflation rate declined. A saver who put RON 1,000 into the bank in May 2018, when the average interest rate on deposits was 1.54 percent, received RON 1,015.4 one year later (in May 2019), but that sum is equivalent, in real terms, to RON 975 in May 2018 (because the inflation rate was 4.1 percent between May 2018 and May 2019).
The bad news for bank customers searching for safe savings opportunities is that there are little chances of seeing positive interest rates in the next couple of years. The central bank forecasts that the inflation rate will remain over 3 percent in 2020 and even in 2021, while interest rates for deposits will remain close to this level as most experts predict that the current monetary policy rate will be maintained at the current level next year.
But despite the fact that bank deposits in RON have become less attractive during the last couple of years, Romanians continue to keep large sums in their bank accounts as they have limited alternatives.
Open investment funds still have a poor reputation in Romania following the collapse of the FNI Ponzi scheme two decades ago, which deprived hundreds of thousands of people of their savings.
At the same time, the local stock exchange is seen as a place for speculators and few people have the financial education to understand how these alternative investment tools work. However, a change has been observed: Romanians have been steadily moving their savings from RON accounts into hard currency accounts since the beginning of this year, a trend that could be associated with lower confidence in the local currency following the steep depreciation registered in January. In June, RON-denominated deposits by residents (individual clients and companies) declined by 0.6 percent month-on-month to RON 220 billion and the annual growth rate slowed to 5.1 percent, from 6.8 percent in December 2018, central bank data show. At the same time, forex-denominated deposits rose by 1.5 percent month-on-month in June to RON 116.9 billion-forex equivalent, and by 12.9 percent year-on-year.


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Swedish House Mafia – The Reunion: One Year On
25.03.18… Exactly one year on from the most dramatic night in dance music history, and the return of Swedish House Mafia still continues to hog headlines as the biggest story in the industry's all-time pantheon.
The historic return of the iconic trio marked not just a seminal moment in dance music history, but also the reunion of the first ever act to have elevated themselves above the pantheons of a 'DJ' or 'Producer' tag. Since their inception a decade or so ago, the names Axwell, Steve Angello, and Sebastian Ingrosso have steadily grown in stature, with the triplet of performers gaining 'Rockstar' like status.
Whilst many electronic music performers come and go both readily and frequently – others stake their claim for a place in folklore by cementing their spot at the upper echelons of the industry for prolonged periods. The double-decade spans of acts like Carl Cox, Paul van Dyk, Paul Oakenfold, Armin van Buuren or Tiesto a prime example of this.
But others – go even beyond that level, merging the realms between the dance industry, and bona fide music legends. For EDM lovers, these names are now the modern equivalent to Elvis Presley, Michael Jackson, and Freddie Mercury. So what made the Swedish House Mafia project just SO big? Why are this trio thought of SO highly? And how did the snowball effect of this EDM juggernaut impact the rest of the scene so vividly?
We Rave You's Jake Gable investigates…
To say that the 20th anniversary celebrations of Ultra were somewhat overshadowed by the impending Swedish House Mafia reunion would be something of an understatement, which in itself, offers a hint of the trio's size in the industry. Arguably the biggest and most iconic festival in the calendar, Ultra attracted a stellar cast for their 2018 edition, with the likes of Hardwell, Tiesto, and Armin van Buuren all in attendance on the main stage. But with all respect to their Dutch counterparts, the aura of the Scandinavians is something wholly unrivalled across the dance music spectrum.
The popular phrase 'Absence makes the heart grow fonder' has certainly never been more true than in the form of Ax, Seb, and Steve – who had somehow actually managed to grow even bigger – in their 5 years apart, and 6 since their last release ('Don't You Worry Child' in 2012). Sure, the latter continued to grow his solo presence with iconic shows at Printworks, and the impending release of his highly anticipated 'Human' album, whilst the former blitzed all before them as a duo with headline shows at Tomorrowland, and their own Ushuaia Ibiza residency, but like salt & pepper, or in this case – salt, pepper & salt – the hidden ingredient for both acts' success seemed to rest on the attendance of the other.
By the time Steve had 'followed' his former pals across social media again at Christmas time, rumours began to circulate. By the time a series of SHM posters magically appeared in the Wynwood Art District on the Miami streets on the Saturday afternoon of Ultra, rumours transformed themselves into fever pitch excitement. The final day of Ultra was spent with nervous ravers asking one another if it was true, and in honesty, the day's events were overshadowed by the anticipation of the 10pm 'Special Guest' slot.
Even a true EDM juggernaut like David Guetta, who was tasked with the unenviable role of the one hour 'warm up' slot at 8.15pm, paled in comparison as the mainstage crowd jigged a light sway through his set, conserving their energy in favouring a wild frenzy at 10. By the time the Frenchman performed his 'Thank You Ultra' speech into the mic, and told fans that 'The guys coming next are so special and I'm so excited', nervous glances between the crowd grew into full on buzz as the atmosphere crackled electrically throughout the somewhat extravagant 45 minute stage changeover. With more and more atmospheric fog being pumped into the audience, the main rail of the stage, which separates the left and right sides for crowd control purposes had become a catwalk for a who's who of dance music talent.
The pin was poking firmly at the balloon stuffed with EDM's biggest secret, and soon popped, as a crane from the sky of the main stage delivered a concealed box down to the now supremely elevated stage. As the opening chords of the aptly chosen 'Miami 2 Ibiza' rippled through the crowd, the box lifted back up to unveil three familiar figures who had been delivered by private police escort to the audience, standing high above their crowd. Figuratively, their position gave them the look of Gods scanning over their earthly children, and soon, millions of cries and prayers were answered as Axwell bellowed his familiar introduction to the crowd – albeit it with a slight 2018 twist.
"My name is Axwell, this is Sebastian Ingrosso, and this is Steve Angello, and Miami… You know… We are the Swedish House Mafia."
By the time Steve Angello's 'Remember' accompanied a series of emotional flashback images on the LED screens to the glory days between the trio, and a wealth of 'video diary' style personal shots of the three in the studio and relaxing together on beaches and in the back of cars, Miami was experiencing the first sight of wet weather all week, as copious amounts of tears began to drench the sun-soaked night sky. By the time the set was over, and an emotional Ax had told the crowd that:
"This time… Swedish House Mafia is for life."
Their status as the first, and last, rock stars of EDM, was firmly cemented.
Whilst many dance music fans clamour for the golden age of progressive house to return (Alesso was even the subject of online abuse by passionate fans who felt the producer had abandoned his progressive roots during his Tomorrowland weekend one performance), a resurgence in the movement led by the Swedes might not not quite pan out the way that fans who long for 'Greyhound 2.0' initially expect. Judging by the sound of Axwell Λ Ingrosso's 2018 ID 'Behold' and the various heavy tunes dropped in the trio's Ultra set, (Salvatore Ganacci's 'Antidote' remix, 'Cobra' by Magnificence etc), 2019 could see the musical landscape shifting to a much bassier tone than many may initially predict.
With their triplet of nights at Stockholm's Tele2 Arena now just over a month away, the trio were asked about their return at a globally broadcast press conference last October, adding:
"It was time."
Not just for themselves, but for the dance industry as a whole.


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Protest demonstrations by hundreds of farmers of Punjab against the provincial government have been ongoing since Tuesday last week. The protests finally culminated on Thursday after the Chief Minister Punjab assured them of a resolution of their problems at the earliest. They had warned that they would take to streets again if the government failed to address their grievances and surely they returned a mere three days later insisting that their demands had not yet been met. Though three days is not a reasonable amount of time to have all their ultimatums met, their protest in the burning heat shows the extent of their desperation.
The farmers remain one of the most marginalised people in Pakistan, buckling under crippling poverty and lack of basic amenities. The farmers protested under the banners of the organisations Kissan Ittehad and Kissan Board against unavailability of gunny bags to wheat growers, blackmailing by sugar miller owners and the infamous Kissan package that allegedly no one has benefitted from despite grand promises. There are similar reports from Dadu in Sindh, where the food departments that sells gunny sacks are controlled by local mafias. Sacks of wheat as set by the government are supposed to be for Rs 3200, but are bought at Rs 2800 per sack by the mafia and sold to the government at Rs 3200, robbing the small farmer of Rs 400 per sack. In April, the government drew criticism from international human rights groups due to its use of excessive force to prevent tenant farmers in Okara from protesting for land rights. The district administration imposed Section 144 of the Criminal Procedure Code, a colonial era law to restrict gatherings, a blatant disregard for freedom of peaceful protest.
Even at the gathering at Mall Road last week, the protesters were largely ignored by the government and were used by the opposition instead to garner political support. The use of farmers as political pawns has to end. They are the backbone of our economy. It is not an exaggeration to say that without small local farmers we are doomed to starve, and very soon. Our agriculture is not sustainable, and the government has to make sure that food production is a priority if we are to survive this century. Climate change is expected to wreak havoc with agriculture and local rulers are only busy in making sure their palms are greased, rather than worrying about the survival of future generations.


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First Solar announced that it has completed a module sale deal with an affiliate of D. E. Shaw Renewable Investments (DESRI) totaling 200MW dc and with delivery dates in 2019.
Terms of the deal were not disclosed.First Solar will provide 200MWdc of its new large area Series 6 thin film photovoltaic (PV) modules to DESRI for its near-term pipeline of projects going into construction in the next two years in the U.S. In addition, First Solar signed operations and maintenance (O&M) contracts for two projects that DESRI is developing.
"DESRI is thrilled to continue growing its partnership with First Solar," said Bryan Martin, CEO of DESRI. "We take great comfort knowing that these projects will benefit from the company's cutting-edge module technology in the industry, as well as its exceptional O&M services during operations."
"This combination of our industry-leading module technology and world-class O&M services will provide DESRI with a reliable, resilient and high-performance renewable energy generation asset," said Georges Antoun, Chief Commercial Officer, First Solar. "We are proud to build on our strong relationship with this trusted partner."
In addition to this module sale, DESRI has acquired three solar projects from First Solar since 2016 – the 40MWac Cuyama Solar Project in Santa Barbara County, Calif., the 31MWac Portal Ridge Solar Project in Los Angeles County, Calif., and the 11MWac Rancho Seco Solar Project in Sacramento County, Calif.


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Grammar for Writing, Common Core Enriched Edition, Grade 6
• Provides instruction and practice in key Common Core writing genres. Supplies lessons for writing narrative, argumentative, and informational responses.
• Promotes learning with student-friendly lessons that include succinct explanations, clear examples, and numerous opportunities for practice. Builds mastery of grammar, usage, and mechanics skills with rich practice in the context of students' own writing. Applies grammar and writing skills to real-life writing tasks.
• Increases in difficulty, sophistication, and rigor with more lessons, grammar content, and writing expectations grade by grade.
• Consistently focuses on the six writing traits.
• Is divided into two parts: Part I addresses core writing skills and the writing process and Part II focuses on teaching grammar, usage, and mechanics skills and strategies.
- பதிப்புரிமை:
- 2014 Sadlier
Book Details
- Book Quality:
- 9781421711164
- Publisher:
- Sadlier
- Date of Addition:
- மொழி:
- English
- Categories:
- Nonfiction, Textbooks,
- Usage Restrictions:
- This is a copyrighted book.
Choosing a Book Format
EPUB is the standard publishing format used by many e-book readers including iBooks, Easy Reader, VoiceDream Reader, etc. This is the most popular and widely used format.
DAISY format is used by GoRead, Read2Go and most Kurzweil devices.
Audio (MP3) format is used by audio only devices, such as iPod.
Braille format is used by Braille output devices.
DAISY Audio format works on DAISY compatible players such as Victor Reader Stream.
Accessible Word format can be unzipped and opened in any tool that supports .docx files.


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The Chilliwack Chiefs and Prospera Centre have joined forces with ShoWare Ticketing Systems for all of the building's ticketing needs.
"After carefully evaluating the various ticketing companies available we feel that ShoWare will best suit not only our ticketing needs, but those of our fans and customers," said Chiefs president Glen Ringdal.
Prospera Centre and Chiefs ticket manager Andrea Laycock said the ShoWare system has many advantages and is easy to access and use.
With ShoWare, hockey fans and concert goers will have the ability to select not just the section but the exact seat they want to purchase.
ShoWare offers Facebook ticketing, allowing Chiefs fans to purchase tickets to the games of their choice right through their Facebook account, and let all of their friends know that they're coming to the game.
When purchasing tickets online fans will be able to have their tickets scanned on their phone instead of having to print them off.
And, starting with 2015 season ticket renewal, fans will be able to renew from home.


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Filed: May 24, 2018
Opinion by: Judge McDonald
Maryland courts interpreting construction contracts under Virginia law will first look to the contract language and then to parol evidence to determine the intent of the parties regarding whether a construction subcontract contains a pay-when-paid or pay-if-paid clause.
George Mason University ("Owner") hired Dustin Construction ("General Contractor") to renovate the school's student union building, and General Contractor hired Young Electrical ("Subcontractor") for the electrical work.
The Subcontract contained a provision "Contractor's obligation to pay … Subcontractor … is contingent, as a condition precedent, upon Contractor's receipt of payment from the Owner…" (Section 2(c)).
Subcontractor submitted cost increase requests to General Contractor, which submitted cost increase requests to Owner. Owner rejected the request; General Contractor never paid the additional cost to Subcontractor. Subcontractor sued General Contractor for breach of contract. The Circuit Court for Montgomery County granted General Contractor's motion for summary judgment. Subcontractor appealed.
"Contract interpretation is governed by the law of the place of contract or the law chose by the parties." Cunningham v. Feinberg, 441 Md. 310, 326 (2015). However, the standard for summary judgment is governed by the law of the forum, in this case Maryland law. Goodwich v. Sinai Hosp. of Baltimore, Inc., 343 Md. 185, 204-207 (1996). Under the Maryland Rules, a circuit court may grant summary judgment only if there is no genuine dispute as to any material fact, and the moving party is entitled to judgment as a matter of law. Maryland Rule 2–501(f).
The Virginia Supreme Court has referenced Maryland law in examining the issue in this case. The Maryland Court of Appeals relied on a 1962 Sixth Circuit case (Thos. J. Dyer Co. v. Bishop Int'l. Engineering Co.) when it examined the issue in Atl. States Const. Co. v. Drummond & Co. (1968) and Fishman Constr. Co. v. Hansen (1965). In Maryland, Conditional Payment provisions are to be construed as timing provisions (pay-when-paid clauses) unless the contract language clearly indicates that the parties intended the clause to be a condition precedent (pay-if-paid clause). The Special Court of Appeals had affirmed the Circuit Court's decision. It held that Section 2(c) contained the "magic phrase" "condition precedent".
The Court considered whether the General Contractor was entitled to summary judgment for the reason given by the Circuit Court and concluded it was not, then went through an analysis of the reason for summary judgement originally argued by the General Contractor.
The full opinion is available PDF.


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Norway and winter sports are almost synonymous. There are plenty of fun and adventurous activities to pursue in the snowy landscape of the country. For many travel enthusiasts out there, choosing to avail a travel loan is a worthwhile option when planning an exciting holiday like one to Norway. With the help of a travel loan, you can make the most of all that this beautiful country offers. You could also apply for personal loan to tackle any last-minute changes in your budget.
Here is a list of different winter sports you can enjoy in Norway. Take a look:
Discover your inner child while you take a ride on a sledge
Speeding down icy slopes on sledges is as fun for adults as it is for children. It is truly one of the most adventurous activities you can indulge in when in Norway. Interestingly, from southern Norway to northern Norway, several sledge operators are always ready to welcome tourists. You will find a plethora of ski resorts here.
Fishing in the snow is a whole lot of fun
Norway comprises of an array of lakes and ponds, making it ideal for tourists to indulge in some good old fishing. While most of the lakes and rivers are frozen in winter, it doesn't mean you cannot choose to go fishing. Drill a hole, throw the line into the water and wait.
Snowshoes can make you feel as if you are walking on clouds
Surely, you must have wondered how it feels to walk on clouds. With snowshoes, you will be able to cruise through the white landscape without any problems. And this experience will be barely any different. However, ensure that you join a guided hiking tour and enjoy the crisp winter air and white mountains.
Enjoy the Norwegian tradition of skating
Norway has a long tradition of skating. Here, you will find an abundance of outdoor skating rinks. In winter, you can go skating on the many frozen lakes, rivers and fjords. Make sure you choose a guided tour, though.
A relaxing sleigh ride
You can also opt for a relaxing sleigh ride in Norway. It will be an experience to remember as a horse pulls you through the scenic snow-covered villages here. The sounds of the sleigh's bells and the beat of the horse's hooves are sure to thrill your senses.
Opt for a travel loan from Tata Capital when planning a holiday to Norway. Even a personal loan from Tata Capital will help you enjoy your visit to this gorgeous land thoroughly. When you apply for personal loan from Tata Capital, you will be pleased to note the flexible EMI options available. Make sure you assess your personal loan eligibility to smoothen the loan application process.


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We will learn step by step tutorial for "RPA use cases in banking". RPA is a configurable software that sits on top of a company's existing IT infrastructure, pulling data, performing algorithms, and creating reports.RPA makes the most significant impact on manual work processes that are repetitive and recurring, and often have high human error rates. A single "robot" can be configured to perform a variety of processes enabling multi-use robots, and variability as your business needs change.
if we talk about the digital transformation, banking organizations and other financial institutions have established themselves as the early adopters of smart technologies for growing their organization fast. Smart software is already making a difference in front-end, customer-facing systems. However, organizations still need to strike a better balance between the front and the back office, while becoming faster and more reliable. With Robotics process automation, operations get streamlined and relieve some of the accumulated heat
Following are the key processes where RPA can be implemented in banking include:
- Mortgage lending
- Direct loan underwriting
- Trial balancing
- Accounting onboarding
- Account maintenance
- Fraud and risk review
- Account closing
- Account reconciliation
- Account processing
- Commercial banking operations
- Escrow
- Wire administration
- Item processing
- Loan origination
- Collateral management and imaging
- Card services
- Exception processing
- Lockbox operations
- Print and statements
- Loan application processing
- Loan servicing
RPA use cases in banking Example :
Loan Application Processing
Process Background :
Title Documents are sent to loan analysts to be keyed into loan accounts and set to downstream process team for
servicing via a workflow.
Process Inputs/Outputs:
- Unstructured Documents(Title documents in pdf format)
- loan servicing system
Intelligent Automation Solution :
RPA Rules applied to the initial front end process to provide the lead into analysts to train the robot to recognize actionable fields from the title document; Machine learning tasks applied to the title documents to extract key data; RPA rules applied to accept and closeout ticketing of title service request.
Business Benefits:
- 55% Automation with RPA
- 82% adding RPA + Exception Handling with 96% Quality
- Decrease Title serving time from 60+ minutes to 2 min per transaction (1000+ volume/mo)
- 37 FTE saving @ $33,000 fully loaded cost per FTE($1.22MM)
I hope you liked this article about "RPA use cases in banking". I would like to have feedback from my blog readers. Your valuable feedback, question, or comments about this article are always welcome.


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Here's your must remember list for a modular kitchen setup
The kitchen in the house is definitely one of the most important parts of the house. It is so because of two reasons. Firstly because all the deliciousness comes from there and the better the ambience of your kitchen, the better it will be to bring your inner chef out. Secondly, because if your kitchen interiors don't match the overall theme and feel of your house, it will look quite odd. However, if you are not a professional, you may deviate from this concept. So, in this blog, we tell all the people who are looking to set up a modular kitchen in Noida or elsewhere the things they must remember. These are enough to ensure your kitchen is set up to perfection and not leaves even a hint of absurd. Let us look at the points that matter one at a time so that you remember them all and get the modular kitchen set right.
- Use dark colors to hide stains-
Oily meals are a mandate in Indian households. We cannot do without puris, pakoras and bhaturas. So, here is a tip- make sure you choose dark colors. Or if dark colors are not going with your house theme then make sure you choose the darkest hue of the color you are planning to get done in the kitchen. If you are using marbles or granite in the kitchen, never choose a white one. Otherwise, it can easily get grease and turmeric stains that will be hard to get rid of.
- Use basic tiles-
Try to avoid matte and textured tiles as they also are at high risk of letting sit the oil and dust on themselves easily and removing them would be a mammoth task for obvious reasons. The dust will get stuck in the textures, but if it will be smooth and glossy, the tools you will use to clean the tiles will glide easily on it and hence they will get cleaned easily.
- Use a swan faucet-
Sinks are another thing that you must not ignore while you are setting a modular kitchen in Noida or elsewhere. We are specifying it especially here because sinks are one of those things that are overlooked sometimes because of the investment already done in the cabinets and drawers in your kitchen. So, this is yet again a reminder to use a swan faucet only for the sink as it will be easier for you to wash utensils and dishes that way.
- Use an exhaust or chimney-
You must use an exhaust fan or chimney for a more polished and modern look in your kitchen. The reason for not skipping this step at all is because whether you stay in a flat or a normal house, you need to get the extra heat and smoke generated in the kitchen out of it while you are cooking. Otherwise, there are high chances of your house smelling like the food you cook.
- Use a breakfast bar-
Whether all the people in your house are working on not, you should think of making a place for the breakfast bar in your kitchen, it eases the whole process of cooking and serving for oneself or for the family.
Get in touch with S K associates if you are looking for a vendor for modular kitchen in Noida or Delhi NCR to get the best kitchen setup.


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- This event has passed.
Yoga and Beer -Kulshan Brewery (K2) Roosevelt
May 12, 2018 @ 10:30 am - 11:30 am
Treat yourself to a beer and Yoga class this Saturday! Just Add Yoga will be leading with an hour long, all levels, Yoga practice followed by beers in the taproom for a "cool down".


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Meek Mill was under a lot of stress in July 2014 after being sentenced to five months in prison for violating his probation. Meek revealed in an interview with GQ Magazine he was able to get through his time in the pen with the support of Nicki Minaj.
Meek and Nicki said the courting phase in their relationship began way before they went public in February.
"About a year or something like that? I can't say for sure," Meek said. "Maybe a year and change."
Nicki said she started taking Meek "seriously" when he went to jail.
"…I was left in a house by myself and it was just a tough time for me and it happened to be a tough time for him as well," she said.
Nicki said at that time she was having complications with Safaree.
"…It was weird and so at that time I was available," she said. "So I reached out [Meek] letting him know…, It's so funny that the day he went to jail, he was on my mind the day before."
Meek Mill and Nicki Minaj have been inseparable since going public and have let the affection towards one another be known on social media.
Nicki initially wouldn't confirm whether she was dating Meek. She blushed when Power 105 host Angie Martinez mentioned his name during an interview.
She would go on to praise Meek in the interview.
"I think he's amazing. I love what he represents for dudes that think like him and act like him and live like him," she told Martinez. "I told him before, like, 'You're so important to our culture.' We always need that type of guy, like that DMX. When I was growing up, I needed to see a dude act like that and talk like that."
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Meek Mill and Nicki Minaj's Relationship Began While Philly Rapper Was In Jail
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Nursing Student Handbook
This handbook has been developed to inform students of School of Nursing policies and to provide guidelines that are specific to nursing students. It is important for students to read this handbook and to refer to it during the year. While the University will assist in planning the student's progress through the plan of study and activities described in this handbook, it remains the student's responsibility to plan and achieve the requirements in a timely and satisfactory manner.
This handbook is not a contract. The content of this publication and the policies and programs which are described in them may be changed or eliminated at any time. The University processes and policies which the publications describe are not set forth for the purpose of promising a student that these will in every instance be precisely followed, but to help the student understand the processes and policies the University currently and normally follows. It supplements the University Student Handbook and the University Academic Catalog. Please read and carefully review these materials.
NOTE: The handbook will be updated as necessary. Students are notified of changes through announcements sent via electronic mail and/or posted in the learning management system.


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Mark Young
The Board of Regents passed a tentative budget for the 2017-18 school year at their Aug. 31 meeting, with the key word being "tentative."
The new budget is expected to see a 9 percent increase from last year's budget, with an emphasis on salaries, maintenance and various other departments.
The budget, which has been worked on for the majority of the summer, was expected to be passed in full on Aug. 31, but has seen some discomfort from some of the regents.
Regent Ed Bennett expressed his discomfort after noticeable errors were seen on the Powerpoint presentation that was being shown. Figures from a Powerpoint slide were not included in the presentation and led to confusion among the regents.
Bennett, who has a background in accounting, was also not happy with the new format in which the budget was proposed. In previous years, more thorough presentations were given, including more in-depth looks at the budget for each department.
"The presentation was streamlined this year to try and speed up the process," said Lenora Keas, vice president of Workforce Development and Strategic Initiatives.
Nonetheless, Bennett said that on top of the error in the presentation, he had asked for a more complete and in-depth look at the proposed budget, but "had not received anything" even though he asked repeatedly over the past month.
Second Vice-Chair Regent Carol Scott also expressed discomfort at the errors found in the proposal, but said "I'm willing to pass a budget here today" but added that she wanted a more thorough look and discussion in the future.
By law, a budget had to pass before the end of the fiscal year, meaning the regents had to decide before the end of the Aug. 31 meeting.
Discomfort aside, the budget was tentatively passed by all (excluding Regent Elva Estrada,who was not present for the vote), with some of the regents saying that possible changes will be brought up in future meetings.


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The Environmental Rights Action/Friends of the Earth Nigeria (ERA/FoEN) has blamed the recourse of the Lagos State government to environmentally-unfriendly projects along the entire Lagos coastline, especially the Lekki-Ajah axis for massive floods that submerged houses in several parts of the state during last week's heavy downpour.
The floods ravaged parts of Victoria Island, Lekki, Ikoyi, Ajah, Oniru and adjoining areas, where a large number of houses were submerged and residents trapped in their homes in the face of rising flood water.
Lagos State Commissioner for Environment, Babatunde Adejare who visited some of the areas blamed the incident on indiscriminate waste dump and urged residents to desist from the act. But in a statement issued in Lagos, ERA/FoEN said the state government interpretation of the watery nightmare was diversionary as the commissioner avoided the real cause of the floods.
ERA/FoEN deputy executive director, Akinbode Oluwafemi said: "We have said it time and again that environmental sustainability goes beyond showmanship and sweet pronouncements. The rains have exposed how dangerous experiments like the Eko Atlantic City project and unmitigated sand dredging along the Lekki and Ajah corridor for the ultimate pleasure of the wealthy can make life miserable for the generality"
Oluwafemi explained that what was at stake with dredging and land grab activities that has thus far displaced a host of communities including Otodo Gbame and Makoko, is a classic case of development versus human rights, even as he alerted that the reckless reclamation exercise in Lagos was now threatening to throw the entire southwest coastline extending down to the Niger Delta into chaos.
"The explanation of the state government conveyed by Environment Commissioner was very watery as it deliberately avoided the subject matter but instead blamed the flooding on near insignificant pieces of rubbish floating around narrow drains. For us, this is an indictment on the government because it is the same government and its agents that grant all sorts of permits for sand dredging and other projects that put pressure on the Atlantic and residents of Lagos in harms way "
Oluwafemi revealed that this level of flood is deeper than the usual rhetoric of previous years because not only were homes flooded, people were terrorized by dangerous reptiles that came with the Atlantic waters that met with the rains waters and had nowhere to go.
"We are using this sad occasion to reiterate our demands that the Lagos State government put a brake on massive excavations and soil reclamation exercises that have displaced locals while creating an earthly paradise for the wealthy. We also ask this government to make public the Environmental Impact Assessment (EIA) on the controversy-streaked Eko Atlantic City Project and others that defy logic at a time that climate change is inducing sea level rise globally. Anything short of a retreat from these dangerous activities will spell doom for all of us. God forbid, "Oluwafemi insisted.
By Marc Philips


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The Cassia County Assessor is responsible for determining the value of property in order to determine Cassia County property taxes. The Cassia County Assessment Office collect data from on-site inspections, value assessments for construction or improvements, comparable sales, and calculations of depreciation. The Cassia County Tax Assessor maintains current data on every parcel in the Cassia County, which includes ownership information, maps of property lines, inventories of parcels and structures, and the value of all the property in the Cassia County, ID. The Cassia County Assessor's Office can answer questions regarding Cassia County property tax appeals and assessments, Cassia County property tax rates and payment due dates.
Cassia County Assessor Burley ID 203 East 15th Street 83318 208-878-3540
The Cassia County Clerk files important documents and preserves municipal records in order to maintain an archive of Cassia County property records that can be accessed by the public. The Clerk's Office is a valuable source of information on property in Cassia County, Idaho. The Cassia County Clerk's Office contains documentation on real estate excise taxes, registered land, and property transactions, as well as land documents including Cassia County deeds, mortgages, and liens on properties.
Cassia County Clerk Burley ID 1459 Overland Avenue 83318 208-878-5240
Declo City Clerk Declo ID 25 East Main Street 83323 208-654-2124
Oakley City Clerk Oakley ID 200 West Main Street 83346 208-862-3313
The Cassia County Recorders of Deeds maintain public records, particularly documents related to property and land records, and make them available for public access in Cassia County, ID. The Office of Recorder of Deeds in Cassia County is a valuable source of information on property records The Recorder of Deeds maintains documents on land transactions within its jurisdictions, including Cassia County deeds and titles, mortgages, property ownership records, surveys, and easements, as well as tax liens.
Cassia County Recorder of Deeds Burley ID 1459 Overland Avenue 83318 208-878-5240
The Cassia County Treasurer and Tax Collector's Office is responsible for the collection of Cassia County property tax revenue. The Treasurer and Tax Collector maintains current Cassia County property tax information including Cassia County property ownership information, GIS Maps, tax maps, historical property tax rates, lists of sold parcels, and is also charged with the sale of properties due to a default on taxes in Cassia County, Idaho.
Cassia County Treasurer's Office Burley ID 1459 Overland Avenue 83318 208-878-7202


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Discovering God
In the Hebraic journey, they understood that discovering God was an ongoing process. Many of their new experiences with God were enshrined in a new name being crafted for Him, often becoming a place name.
This sermon explores the process of our becoming observant about the nature of God, learning to extrapolate it from the actions of God and not just celebrate the actions.
It is a passionate, thought provoking message, exploring the majesty of a lifestyle that seeks to know God, not just His deeds.
Click on the links below to download the audio clip. You will be prompted to save the zipped file on your computer. Once you have saved and unzipped the file you may play it in a media player or burn it to a CD.


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The AirFit™ F20 Full Face CPAP Mask with Headgear has a similar shape to the AirFit F10™ Full Face Mask which is set low beneath the eyes. The open visibility aspect of the design allows users to read and watch TV before falling asleep. To increase the comfort of the mask, padding was added to the mask frame and headgear to increase wearability. The InfinitySeal™ full face cushion starts at the bridge of the nose and falls below the mouth to provide CPAP therapy to the nose and mouth.
The AirFit™ 20 Full Face mask covers the nose and mouth without the aid of a forehead support. Similar to wings, the frame spreads low beneath the eyes and rises high above the ears. At the ears, the mask frame connects to headgear which covers the circumference of the head with minimal fabric. This design allows the mask and headgear to remain steady without an obstructive support bar. Those who are claustrophobic or enjoy reading and watching TV before falling asleep may enjoy the open range of visibility.
The InfinitySeal™ Full Face cushion is a newly designed seal intended for various pressures in order to strengthen the seal throughout CPAP therapy. This cushion pairs with the newly designed frame which is intended to fit a number of different face types and structures. Together, the InfinitySeal™ and frame work together to help improve CPAP results.
The headgear extends above the ears, over the crown of the head, and downward toward to the base of head. The padded headgear glides along the circumference of the head, leaving a portion of the head untouched. The padding was built into the design to offer additional comfort.
Magnetic headgear clips connect the bottom headgear straps to the base of the cushion. Easily lift the clip from its magnetic attachment to disengage the mask from your face without destroying the fit.
90 Days Warranty Notes: Warranty applies to primary item. Accessory and parts warranties may vary. Review manufacturer's documentation for full details.


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Southwest Airlines is taking a more serious tack with a campaign that broke Tuesday night during the NCAA Tournament opening games.
The first work from TBWA\Chiat\Day, it carries the theme "Welcome Aboard."
The ads -- including the 60-second launch spot -- will run during all rounds of the NCAA Tournament, which will be aired on a combination of the CBS, TBS, TNT and truTV networks.
The launch spot uses the song "Some Nights" by the rock band Fun and features a mix of Southwest employees and with actors, including a baby crawling earnestly down a wood-floored hallway in its home. The airline compares itself to entrepreneurs and mavericks who "find their own path, chart their own course" and "never stop moving forward and never, ever back down."
Such people "believe the American dream doesn't just happen; it's something you have to work for," the announcer proclaims, adding that at Southwest, "we never stop looking for a better way."
"It's how we've grown into America's largest domestic airline," the commercial concludes. "We are Southwest. Welcome aboard."
The campaign tells the story of what Southwest stands for, said Bob Jordan, Southwest Airlines' executive vice president and chief commercial officer, in a release.
"Southwest's values are based on our customers' values," he said. "The decisions we make for our airline reflect these values, and we translated that vision into a reality in these new ads."
The campaign was shot in both Houston and Los Angeles. An additional national spot focuses in on the in-flight experience; Wifi availability, Live TV, and revamped interior with new leather seats and larger overhead bins. In its third spot, the brand highlights its best-in-category loyalty program.
The ads will run for eight weeks nationally. Southwest released the ads over the weekend on Facebook and Twitter, and they received positive comments from the airline's fans and followers.