text:
Someone is telling you lies. Is that "someone" you? "I'm a terrible mom. My kids hate me. She's a better mother." What lies do we believe as moms? How do they sneak into our minds without us knowing?
Explore 5 Lies Moms Believe and how to defend against them. Discover the truth about motherhood and rearing the children God entrusted to you.
Embrace your mothering fears and find hope to over come those fears. Find practical encouragement to tackle the hardest job you will ever love. No lie: You are exactly the right mom for your child. Guaranteed.
"Because of a moral failure, that's why."
She wasn't good enough, or pretty enough, or smart enough, or rich enough, or talented enough, or whatever enough.
She wasn't a good person. She was too stubborn, opinionated, and direct.
She was a failure because she'd tried something bold and audacious and didn't succeed like planned.
She was invisible and forgettable.
In these pages, you’ll experience raw honesty and a clear path through the pain. You’ll realize that no depression is too dark and no lie too strong. Discover a powerful process where you exchange isolation for accountability and deception for deliverance. Today you can experience a way out, even in the bleakest of circumstances where the bottom doesn’t feel like the bottom. The truth is that God is greater than your pain.
Kirsten Samuel is the author of 5 Lies Moms Believe and an active blogger, author, and coach. She believes that “having a good day” is a personal choice, no matter the circumstances.
Through overcoming her personal pain, Kirsten believes it is possible to define, or redefine, your legacy today no matter your age, stage of life, or past mistakes. Writing from her country home in sunny Colorado, she and her husband celebrate the gift of each day. Connect with her at KirstenDSamuel.com.

lowercased:
someone is telling you lies. is that "someone" you? "i'm a terrible mom. my kids hate me. she's a better mother." what lies do we believe as moms? how do they sneak into our minds without us knowing?
explore 5 lies moms believe and how to defend against them. discover the truth about motherhood and rearing the children god entrusted to you.
embrace your mothering fears and find hope to over come those fears. find practical encouragement to tackle the hardest job you will ever love. no lie: you are exactly the right mom for your child. guaranteed.
"because of a moral failure, that's why."
she wasn't good enough, or pretty enough, or smart enough, or rich enough, or talented enough, or whatever enough.
she wasn't a good person. she was too stubborn, opinionated, and direct.
she was a failure because she'd tried something bold and audacious and didn't succeed like planned.
she was invisible and forgettable.
in these pages, you’ll experience raw honesty and a clear path through the pain. you’ll realize that no depression is too dark and no lie too strong. discover a powerful process where you exchange isolation for accountability and deception for deliverance. today you can experience a way out, even in the bleakest of circumstances where the bottom doesn’t feel like the bottom. the truth is that god is greater than your pain.
kirsten samuel is the author of 5 lies moms believe and an active blogger, author, and coach. she believes that “having a good day” is a personal choice, no matter the circumstances.
through overcoming her personal pain, kirsten believes it is possible to define, or redefine, your legacy today no matter your age, stage of life, or past mistakes. writing from her country home in sunny colorado, she and her husband celebrate the gift of each day. connect with her at kirstendsamuel.com.


text:
With record-setting attendance, the 2007 AHR Expo, held in January in Dallas, provided a variety of association-sponsored educational sessions that focused on energy efficiency and building automation.
A total of 62 educational sessions were presented by ASHRAE, ARI, AHR Expo and other endorsing associations on topics such as, An Energy Star Building Primer  Save Energy, Save Money and Protect the Environment, Green Buildings  Automation for a Sustainable Future, and Real World Radiant. The energy-related sessions were provided in response to 2006 ASHRAE member online survey results indicating they are most interested in learning more about improving energy efficiency, building automation and green building technology.
The focus on green buildings featured green exhibitors and conference sessions by the United States Green Building Council. The New Product Technology Theater provided a forum for leading companies to present previews of their latest technologies and products including many dealing with energy efficiency, building automation and green buildings.
The Building Automation and Control Showcase was expanded and the AHR Innovation Awards Competition showcased innovative products including those focused on building automation, indoor air quality and green buildings.
More than 47,000 HVAC&R professionals filled the aisles and booths at the 59th AHR Expo. The Expo had 1,789 exhibitors from 32 countries, occupying 354,057 sq. ft. of exhibit space. It was the largest show of its kind ever in the Southwest.
Nine International Pavilions, including six from China and individual pavilions from Brazil, Korea and Thailand. These International Pavilions featured many products and technologies for various segments of the HVAC&R marketplace that can't be seen at any other North American event.
Two New Product Technology Theaters.
The 5th annual Innovation Awards, presented to nine companies in nine categories in recognition of advances in innovation, application, value to user and market (a complete list of winners can be found at www.ahrexpo.com/innovationawards/index.php).
The first ever AHR Expo Product of the Year Award, presented to Copeland/Emerson Climate Technologies, Inc. for its Copeland Scroll Digital compressor for commercial air conditioning.
The 2007 AHR Expo Innovation Award Scholarship, a check for more than $9,000 accepted by Scott McClure for his HVAC educational program at Vernon College in Texas.
Press events announcing new offerings by Fluke, Lennox, CD-adapco Group, SpiraxSarco, Lonmark International, Engenuity, Heatcraft Refrigeration, Emerson Climate Technologies, HVAC Excellence, GE Regal-Beloit and Testo.
Four new endorsing associations, joining the 24 organizations already endorsing the AHR Expo.
183 exhibiting companies receiving the coveted Indoor Air Quality (IAQ) designation for showcasing environmentally friendly products.
Both NATE and CxA offering on-site certification testing.
The 2008 AHR Expo will be held January 22-24 at the Javits Center in New York.

lowercased:
with record-setting attendance, the 2007 ahr expo, held in january in dallas, provided a variety of association-sponsored educational sessions that focused on energy efficiency and building automation.
a total of 62 educational sessions were presented by ashrae, ari, ahr expo and other endorsing associations on topics such as, an energy star building primer  save energy, save money and protect the environment, green buildings  automation for a sustainable future, and real world radiant. the energy-related sessions were provided in response to 2006 ashrae member online survey results indicating they are most interested in learning more about improving energy efficiency, building automation and green building technology.
the focus on green buildings featured green exhibitors and conference sessions by the united states green building council. the new product technology theater provided a forum for leading companies to present previews of their latest technologies and products including many dealing with energy efficiency, building automation and green buildings.
the building automation and control showcase was expanded and the ahr innovation awards competition showcased innovative products including those focused on building automation, indoor air quality and green buildings.
more than 47,000 hvac&r professionals filled the aisles and booths at the 59th ahr expo. the expo had 1,789 exhibitors from 32 countries, occupying 354,057 sq. ft. of exhibit space. it was the largest show of its kind ever in the southwest.
nine international pavilions, including six from china and individual pavilions from brazil, korea and thailand. these international pavilions featured many products and technologies for various segments of the hvac&r marketplace that can't be seen at any other north american event.
two new product technology theaters.
the 5th annual innovation awards, presented to nine companies in nine categories in recognition of advances in innovation, application, value to user and market (a complete list of winners can be found at www.ahrexpo.com/innovationawards/index.php).
the first ever ahr expo product of the year award, presented to copeland/emerson climate technologies, inc. for its copeland scroll digital compressor for commercial air conditioning.
the 2007 ahr expo innovation award scholarship, a check for more than $9,000 accepted by scott mcclure for his hvac educational program at vernon college in texas.
press events announcing new offerings by fluke, lennox, cd-adapco group, spiraxsarco, lonmark international, engenuity, heatcraft refrigeration, emerson climate technologies, hvac excellence, ge regal-beloit and testo.
four new endorsing associations, joining the 24 organizations already endorsing the ahr expo.
183 exhibiting companies receiving the coveted indoor air quality (iaq) designation for showcasing environmentally friendly products.
both nate and cxa offering on-site certification testing.
the 2008 ahr expo will be held january 22-24 at the javits center in new york.


text:
According to the Big Bang theory, what happened when the universe began?
The Big Bang theory does not explain why the Big Bang actually happened. A well-established hypothesis is that the universe began in a “quantum foam”—a formless void where bubbles of matter, far smaller than atoms, were fluctuating in and out of existence on timescales far shorter than a trillionth of a trillionth of a trillionth of a second. In our universe today, such quantum fluctuations are thought to occur, but they happen so quickly that they never affect what happens in the cosmos. But if, 13.7 billion years ago, one particular fluctuation appeared but did not disappear, suddenly ballooning outward into a gigantic, explosive expansion, then it is possible that something like today’s universe could have been the eventual result.
In another, more recently proposed hypothesis, the universe is a four-dimensional spacetime that exists at the intersection of two five-dimensional structures called membranes. Picture two soap bubbles that come in contact with one another and stick together: The “skin” where the bubbles intersect is a two-dimensional result of the interaction between two three-dimensional structures. If the membrane hypothesis is correct, then the Big Bang event marked the moment the two membranes made contact. Neither of these models has any kind of experimental or observational confirmation yet.

lowercased:
according to the big bang theory, what happened when the universe began?
the big bang theory does not explain why the big bang actually happened. a well-established hypothesis is that the universe began in a “quantum foam”—a formless void where bubbles of matter, far smaller than atoms, were fluctuating in and out of existence on timescales far shorter than a trillionth of a trillionth of a trillionth of a second. in our universe today, such quantum fluctuations are thought to occur, but they happen so quickly that they never affect what happens in the cosmos. but if, 13.7 billion years ago, one particular fluctuation appeared but did not disappear, suddenly ballooning outward into a gigantic, explosive expansion, then it is possible that something like today’s universe could have been the eventual result.
in another, more recently proposed hypothesis, the universe is a four-dimensional spacetime that exists at the intersection of two five-dimensional structures called membranes. picture two soap bubbles that come in contact with one another and stick together: the “skin” where the bubbles intersect is a two-dimensional result of the interaction between two three-dimensional structures. if the membrane hypothesis is correct, then the big bang event marked the moment the two membranes made contact. neither of these models has any kind of experimental or observational confirmation yet.


text:
November 2006, Hakia Raises $11 million - Red Herring magazine | MV Holding - Founded in 1993, MV Holding continues to create value in telecom, tourism, energy and media sectors.
Hakia said it has raised $11 million in its first phase of funding from a panoply of investors scattered across the globe who were attracted by the company’s semantic search technology, which the upstart aims to make superior to Google’s search engine.
The New York-based company said it decided to snub the usual players in the venture capital community lining Silicon Valley’s Sand Hill Road and opted for its international connections instead, including financial firms, angel investors, and a telecommunications company.
Among them were Poland’s Prokom Investments, an investment group active in the oil, real estate, IT, financial, and biotech sectors.
Another investor, Turkey’s KVK, distributes mobile telecom services and products in Turkey. Also from Turkey, angel investor Murat Vargi pitched in some funding. He is one of the founding shareholders in Turkcell, a mobile operator and the only Turkish company listed on the New York Stock Exchange.
In Malaysia, hakia secured funding from angel investor Lu Pat Ng, who represented his family, which has substantial investments in companies worldwide.
From Finland, hakia turned to Dr. Pentti Kouri, an economist and VC who was a member of the Nokia board in the 1980s. He has taught at Stanford, Yale, New York University, and HelsinkiUniversity, and worked as an economist at the International Monetary Fund. He is currently based in New York.
In the United States, hakia received funding from Alexandra Investment Management, an investment advisory firm that manages a global hedge fund.
Also from the U.S., former Senator and New York Knicks basketball player Bill Bradley has joined the company’s board, along with Dr. Kouri, Mr. Vargi, Anuj Mathur of Alexandra Investment Management, and hakia CEO Riza Berkan.
Dr. Berkan founded hakia back in 2004. He has been developing the company’s semantic search technology with help from Professor Victor Raskin of PurdueUniversity, who specializes in computational linguistics and ontological semantics, and is the company’s chief scientific advisor.
They hope to provide better search results with complex queries than Google currently offers, but they have a long way to catch up, considering Google’s vast lead in the search market, sophisticated technology, and rich coffers.
Hakia’s semantic search technology aims to understand the meaning of search queries to improve the relevancy of the search results.
Instead of relying on indexing the web or on the popularity of particular web pages, as many search engines do, hakia tries to match the meaning of the search terms to mimic the cognitive processes of the human brain.
He hopes to offer an infrastructure to support complete semantic search but admits that “it’s a big task and is really going to take a while to be perfected.” The company is currently beta testing the search engine at its web site and previewed it at the Web 2.0 Summit in San Francisco last week.
Dr. Berkan contends that search engines that use indexing and popularity algorithms are not as reliable with combinations of four or more words since there are not enough statistics available on which to base the most relevant results.
“What we are doing is an ultimate approach, doing meaning-based searches so we understand the query and the text, and make an association between them by semantic analysis,” he said.
Dr. Berkan resisted VC firms because he worried they would demand too much control and push development too fast to get the technology to the product phase so they could earn back their investment.
He is a nuclear scientist who worked for the U.S. government for 10 years, mainly helping safeguard information.
When he met Dr. Raskin, he discovered they had similar ideas about search and semantic analysis, and by 2004 they had laid out their plans.
They currently have 20 programmers working on building the system in New York, and another 20 to 30 contractors working remotely from different locations around the world, including Turkey, Armenia, Russia, Germany, and Poland.
The programmers are developing the search engine so it can better handle complex queries and maybe surpass some of its larger competitors.

lowercased:
november 2006, hakia raises $11 million - red herring magazine | mv holding - founded in 1993, mv holding continues to create value in telecom, tourism, energy and media sectors.
hakia said it has raised $11 million in its first phase of funding from a panoply of investors scattered across the globe who were attracted by the company’s semantic search technology, which the upstart aims to make superior to google’s search engine.
the new york-based company said it decided to snub the usual players in the venture capital community lining silicon valley’s sand hill road and opted for its international connections instead, including financial firms, angel investors, and a telecommunications company.
among them were poland’s prokom investments, an investment group active in the oil, real estate, it, financial, and biotech sectors.
another investor, turkey’s kvk, distributes mobile telecom services and products in turkey. also from turkey, angel investor murat vargi pitched in some funding. he is one of the founding shareholders in turkcell, a mobile operator and the only turkish company listed on the new york stock exchange.
in malaysia, hakia secured funding from angel investor lu pat ng, who represented his family, which has substantial investments in companies worldwide.
from finland, hakia turned to dr. pentti kouri, an economist and vc who was a member of the nokia board in the 1980s. he has taught at stanford, yale, new york university, and helsinkiuniversity, and worked as an economist at the international monetary fund. he is currently based in new york.
in the united states, hakia received funding from alexandra investment management, an investment advisory firm that manages a global hedge fund.
also from the u.s., former senator and new york knicks basketball player bill bradley has joined the company’s board, along with dr. kouri, mr. vargi, anuj mathur of alexandra investment management, and hakia ceo riza berkan.
dr. berkan founded hakia back in 2004. he has been developing the company’s semantic search technology with help from professor victor raskin of purdueuniversity, who specializes in computational linguistics and ontological semantics, and is the company’s chief scientific advisor.
they hope to provide better search results with complex queries than google currently offers, but they have a long way to catch up, considering google’s vast lead in the search market, sophisticated technology, and rich coffers.
hakia’s semantic search technology aims to understand the meaning of search queries to improve the relevancy of the search results.
instead of relying on indexing the web or on the popularity of particular web pages, as many search engines do, hakia tries to match the meaning of the search terms to mimic the cognitive processes of the human brain.
he hopes to offer an infrastructure to support complete semantic search but admits that “it’s a big task and is really going to take a while to be perfected.” the company is currently beta testing the search engine at its web site and previewed it at the web 2.0 summit in san francisco last week.
dr. berkan contends that search engines that use indexing and popularity algorithms are not as reliable with combinations of four or more words since there are not enough statistics available on which to base the most relevant results.
“what we are doing is an ultimate approach, doing meaning-based searches so we understand the query and the text, and make an association between them by semantic analysis,” he said.
dr. berkan resisted vc firms because he worried they would demand too much control and push development too fast to get the technology to the product phase so they could earn back their investment.
he is a nuclear scientist who worked for the u.s. government for 10 years, mainly helping safeguard information.
when he met dr. raskin, he discovered they had similar ideas about search and semantic analysis, and by 2004 they had laid out their plans.
they currently have 20 programmers working on building the system in new york, and another 20 to 30 contractors working remotely from different locations around the world, including turkey, armenia, russia, germany, and poland.
the programmers are developing the search engine so it can better handle complex queries and maybe surpass some of its larger competitors.


text:
Xz-ls-091. Sweety candy soft playground1.2m diameter. Free shipping by sea(the destination port)). Pvc inflatable bounce house outdoor inflatable jumping playground. Wholesale slides outdoor. Rainbow pool lights. Hot sell small inflatable doll halloween product with all saints. Waterful water game. Inflatable slide : 4*4*3m. R:5m h 2m. Function2: Xz-ch-005. Ylw-out1624. Xz-wb-010. Circular. Music: Zb-002. Ylw-out171042.
6m(20ft) h. Hablp004. Joy inflatable water city-08. Wholesale chair relax. 3 years. Roller inflatable. Probes for rigol. Car cover for santafe. Xz-oc-032. Xz-ws-043. To float. Inflatable water pool slide. Fx1606. Xz-bc-036. Exercise jumping.
Trampoline color: 2017 popular pvc infltable slide for family use /inflatable land slide. Xz-fc-002. Inflatable slide for kids in amusemen park. Shanghai, china (mainland). Pvc outdoor commerical inflatable slide: Inflatable air dancer. 150kg. New inflatable slide ylw-175. Ylw-kd171027Fx1603. Copper warm. L20*w8*h8meters. D-slide014Xz-og-0921-263. Xz-wc-01013-10fr. Xz-ls-106. Ylw-1750.
80kgs. Funny object. Xz-cg-1018-03. Wholesale adult ball pools. Water jumping ball. Balls for the pool children. Scary inflatable. 0.8-1.0pvc. Dileaike0053. AdultsColor: clear,red,blue or customize. Made in china zipper. 40-300kg. 231x107cm. 6m*4m*5m. Around 28 cbm. Inflatable air bag. Playground bird. Xz-ws-049.

lowercased:
xz-ls-091. sweety candy soft playground1.2m diameter. free shipping by sea(the destination port)). pvc inflatable bounce house outdoor inflatable jumping playground. wholesale slides outdoor. rainbow pool lights. hot sell small inflatable doll halloween product with all saints. waterful water game. inflatable slide : 4*4*3m. r:5m h 2m. function2: xz-ch-005. ylw-out1624. xz-wb-010. circular. music: zb-002. ylw-out171042.
6m(20ft) h. hablp004. joy inflatable water city-08. wholesale chair relax. 3 years. roller inflatable. probes for rigol. car cover for santafe. xz-oc-032. xz-ws-043. to float. inflatable water pool slide. fx1606. xz-bc-036. exercise jumping.
trampoline color: 2017 popular pvc infltable slide for family use /inflatable land slide. xz-fc-002. inflatable slide for kids in amusemen park. shanghai, china (mainland). pvc outdoor commerical inflatable slide: inflatable air dancer. 150kg. new inflatable slide ylw-175. ylw-kd171027fx1603. copper warm. l20*w8*h8meters. d-slide014xz-og-0921-263. xz-wc-01013-10fr. xz-ls-106. ylw-1750.
80kgs. funny object. xz-cg-1018-03. wholesale adult ball pools. water jumping ball. balls for the pool children. scary inflatable. 0.8-1.0pvc. dileaike0053. adultscolor: clear,red,blue or customize. made in china zipper. 40-300kg. 231x107cm. 6m*4m*5m. around 28 cbm. inflatable air bag. playground bird. xz-ws-049.


text:
Engravable Aluminum Desk Compass in Piano Finish Case. Perfect Compass Gift.
Only $23.95 We are proud to offer the Engravable Aluminum Desk Compass in Piano Finish Case. This compass has a clear lacquer finish and is hand polished to a deep rich piano finish. The Engravable Aluminum Desk Compass in Piano Finish Case makes the perfect desk accessory or home decoration, and the foam feet on the base of the compass prevent any scratching to your fine furniture. A personalized brass plaque with room for engraving of up to 30 words can be attached to the inside lid. The Engravable Aluminum Desk Compass in Piano Finish Case is 3 inches (76 mm) in diameter, 1 3/8 inches (35 mm) tall, and weighs 3.5 ounces (100 grams). Its hinged lid opens to reveal a 1 3/8 inches (35 mm) diameter brass-accented, silver aluminum compass. We also offer a Piano Finished Mahogany Clock Compass, a Round Hinged Inlaid Compass, and three Small Rosewood Desk Compasses.
The Engravable Aluminum Desk Compass in Piano Finish Case sells for only $23.95.

lowercased:
engravable aluminum desk compass in piano finish case. perfect compass gift.
only $23.95 we are proud to offer the engravable aluminum desk compass in piano finish case. this compass has a clear lacquer finish and is hand polished to a deep rich piano finish. the engravable aluminum desk compass in piano finish case makes the perfect desk accessory or home decoration, and the foam feet on the base of the compass prevent any scratching to your fine furniture. a personalized brass plaque with room for engraving of up to 30 words can be attached to the inside lid. the engravable aluminum desk compass in piano finish case is 3 inches (76 mm) in diameter, 1 3/8 inches (35 mm) tall, and weighs 3.5 ounces (100 grams). its hinged lid opens to reveal a 1 3/8 inches (35 mm) diameter brass-accented, silver aluminum compass. we also offer a piano finished mahogany clock compass, a round hinged inlaid compass, and three small rosewood desk compasses.
the engravable aluminum desk compass in piano finish case sells for only $23.95.


text: Citation: Erlen, J. (2010). Disability Studies Dissertation Abstracts. Review of Disability Studies: An International Journal, 6(2).

lowercased: citation: erlen, j. (2010). disability studies dissertation abstracts. review of disability studies: an international journal, 6(2).


text:
The applicant should choose the same person as an Attorney and Authorized and state in the special instruction segment, the power to be exercised by the person and period as well.
The application forms must be filled up appropriately and completely with legible handwriting (any kind of pen throwing, overwriting, rubbing out or altering is unacceptable).
Two copies of applicant’s recent passport size color photographs, attested by the said introducer, should be attached at the fixed position. Black-white and scanned photographs are unacceptable.
An introducer of the applicant is mandatory. The said introducer must be an account holder of Kazi Firoz Rashid Securities Ltd. The introducer must attest the photographs of the applicant.
An investor (except institutional investor) cannot open multiple accounts. However, you can open another account (total 2) with joint name.
‘Form 23’ must be filled with the information of the account holder’s nominee. A copy of the nominee’s recent photograph and signature are necessary. His/Her photograph should be attested by the account holder.
Photocopies of the ‘National ID Card’ or Passport along with bank statement or cheque leaf must be submitted with the application.
If an investor residing abroad wants to open an NRB BO A /C, then the investor has to submit the attested copy of the passport with the Client Account and the NRB BO A /C Opening Form.
For managing NRB account, one has to provide Power of Attorney. After the sale of the shares, in order to deposit check / pay order, NRB Account Holder has to open a general bank account on any Schedule Bank in the name of that NRB Account Holder. In case of member firms, you can deposit checks in the normal bank account against the sale of shares. According to bank law, NRB Account Holder will be able to provide a power of attorney to manage such a common bank account.
** If any customer wants to open an account directly from abroad then the passport photocopy, photo of applicant & nominee, has to be attached from Bangladesh High Commission there.
In the case of an NRB account, the local address of the account holder should be written on the 2nd page of the form in the ‘Contact details’ cell.
Non-resident investors can be purchased securities as foreign currency by the following procedure through the NITA account by a bank.
1. Any NITA account will be opened through any authorized dealer / bank so that foreign currency is easily convertible through normal banking channels.
2. Bangladeshi shares or securities can easily be purchased using NITA account balance. Here you will be required to report the external remittance of Bangladesh Bank.
The NITA account can be managed by the account holder himself or his Nominee or Authorized Dealer.
d) Dividend / profit which is acquired through shares or securities purchases, or purchased or sold share/securities through NITA account can be credited to NITA account. It is to be noted that NITA account is possible only to purchase or sell the shares, and it is possible to get your deposited money outside the country with the profit of the shares where you are located abroad.
If an attorney is nominated, an additional (POA Form 20) form for the attorney should be filled up. The recent photograph of the attorney (to be attached to the said form) should be attested by the account holder.
An investor should sign and read the terms & conditions according to CDBL Laws while opening a BO Account.
If the signature of the account holder is in English, the signature in capital letters is not acceptable.
Those that cannot come physically to submit all the forms including required photos, documents and fee, can send the filled up forms, photos and documents by courier or any other related services with a pay order for Tk.500 (Five hundred) in the name of Kazi Firoz Rashid Securities Ltd. to the following address.
পূরণকৃত বি.ও একাউন্ট ওপেনিং ফর্ম.

lowercased:
the applicant should choose the same person as an attorney and authorized and state in the special instruction segment, the power to be exercised by the person and period as well.
the application forms must be filled up appropriately and completely with legible handwriting (any kind of pen throwing, overwriting, rubbing out or altering is unacceptable).
two copies of applicant’s recent passport size color photographs, attested by the said introducer, should be attached at the fixed position. black-white and scanned photographs are unacceptable.
an introducer of the applicant is mandatory. the said introducer must be an account holder of kazi firoz rashid securities ltd. the introducer must attest the photographs of the applicant.
an investor (except institutional investor) cannot open multiple accounts. however, you can open another account (total 2) with joint name.
‘form 23’ must be filled with the information of the account holder’s nominee. a copy of the nominee’s recent photograph and signature are necessary. his/her photograph should be attested by the account holder.
photocopies of the ‘national id card’ or passport along with bank statement or cheque leaf must be submitted with the application.
if an investor residing abroad wants to open an nrb bo a /c, then the investor has to submit the attested copy of the passport with the client account and the nrb bo a /c opening form.
for managing nrb account, one has to provide power of attorney. after the sale of the shares, in order to deposit check / pay order, nrb account holder has to open a general bank account on any schedule bank in the name of that nrb account holder. in case of member firms, you can deposit checks in the normal bank account against the sale of shares. according to bank law, nrb account holder will be able to provide a power of attorney to manage such a common bank account.
** if any customer wants to open an account directly from abroad then the passport photocopy, photo of applicant & nominee, has to be attached from bangladesh high commission there.
in the case of an nrb account, the local address of the account holder should be written on the 2nd page of the form in the ‘contact details’ cell.
non-resident investors can be purchased securities as foreign currency by the following procedure through the nita account by a bank.
1. any nita account will be opened through any authorized dealer / bank so that foreign currency is easily convertible through normal banking channels.
2. bangladeshi shares or securities can easily be purchased using nita account balance. here you will be required to report the external remittance of bangladesh bank.
the nita account can be managed by the account holder himself or his nominee or authorized dealer.
d) dividend / profit which is acquired through shares or securities purchases, or purchased or sold share/securities through nita account can be credited to nita account. it is to be noted that nita account is possible only to purchase or sell the shares, and it is possible to get your deposited money outside the country with the profit of the shares where you are located abroad.
if an attorney is nominated, an additional (poa form 20) form for the attorney should be filled up. the recent photograph of the attorney (to be attached to the said form) should be attested by the account holder.
an investor should sign and read the terms & conditions according to cdbl laws while opening a bo account.
if the signature of the account holder is in english, the signature in capital letters is not acceptable.
those that cannot come physically to submit all the forms including required photos, documents and fee, can send the filled up forms, photos and documents by courier or any other related services with a pay order for tk.500 (five hundred) in the name of kazi firoz rashid securities ltd. to the following address.
পূরণকৃত বি.ও একাউন্ট ওপেনিং ফর্ম.


text:
Consider the pros and cons of composite decking before finalizing your ideal backyard living space. You have your research cut out for you since there are so many products on the market. Before settling on composite wood look into other options. ... A significant amount of treated lumber will be used to build your composite deck project!
Here’s a few benefits that make composite decking and fencing a great option: There’s multiple types of composite decking so if you choose the right one for your fencing and decking needs, you’ll be able to have a material that looks and feels exactly like timber, but without the drawbacks and upkeep.
Futurewood Cladding Awesome Benefits Of Using Composite Cladding On Buildings. Building materials have come a long way over the last few decades and wood, stone, and concrete aren’t the only products in the mainstream.
Structural Composite Lumber (SCL) is the term used to describe a family of engineered wood products used for structural applications. SCL products include Laminated Veneer Lumber (LVL), Laminated Strand Lumber (LSL), Parallel Strand Lumber (PSL) and Oriented Strand Lumber (OSL).
Your first thought might be wood, but composite lumber also has its benefits. Never heard of composite lumber? Let's take a look at the pros and cons of both decking materials to help you choose what will work best for your particular deck design. Wood Cedar and pressure-treated woods are your options in this area.
Natural drainage. Yes, there is treatment requirements to maintain the real wood decking, avoiding compromising the product you spent extra money on, drilling holes it, unfortunately makes the product of synthetic less valuable. In the future I hope you will consider a real wood product vs synthetic/composite. Best of luck to you.
Wood is a natural composite of cellulose fibers in a lignin matrix. Engineered wood is wood fibers, strands or veneers bound using adhesives. Concrete is a composite of aggregate, cement, additives and water. Disc brake pads are composites of hard ceramic particles embedded in soft metal.
The benefits of using composite decking & fencing in gardens June 4th, 2018 Whilst timber has traditionally been used for both garden fencing and decking, the emergence of composite variants has led to homeowners rethinking what might be best for their garden.
Here are five benefits of using composite materials that make it preferable for virtually everyone: Environmentally-Friendly Choice If you build your deck out of wood, trees are being harvested to make it.
benefits of using timber for building | Composite Deck Price Eco-friendly materials. Wood plastic composite products is new decorative materials in domestic,but popular in foreign country many years.
Such benefits of increased forestry come with the need to use the natural material which forests provide wisely, ensuring that timber in increasingly used in a manner which maximises its lifetime and permits environmentally sound disposal — we examine the scope that the increased use of timber in construction offers for meeting these aims in Section 8.
Application of Timber-lightweight Composite Structures for Building Construction Wolfgang Winter1, Alireza Fadai2, Marjan Maftoon3 ABSTRACT: The main objective of this paper is to show the benefits of using timber-lightweight composite structures for the more widespread practical applications in buildings.
As one of two buildings awarded $1.5 million by the USDA Tall Wood Building Competition, Framework is an 11 story building that will serve as a test- for composite wood. CLT doesn’t use old-growth trees—numerous types of younger, locally sourced wood can be used.

lowercased:
consider the pros and cons of composite decking before finalizing your ideal backyard living space. you have your research cut out for you since there are so many products on the market. before settling on composite wood look into other options. ... a significant amount of treated lumber will be used to build your composite deck project!
here’s a few benefits that make composite decking and fencing a great option: there’s multiple types of composite decking so if you choose the right one for your fencing and decking needs, you’ll be able to have a material that looks and feels exactly like timber, but without the drawbacks and upkeep.
futurewood cladding awesome benefits of using composite cladding on buildings. building materials have come a long way over the last few decades and wood, stone, and concrete aren’t the only products in the mainstream.
structural composite lumber (scl) is the term used to describe a family of engineered wood products used for structural applications. scl products include laminated veneer lumber (lvl), laminated strand lumber (lsl), parallel strand lumber (psl) and oriented strand lumber (osl).
your first thought might be wood, but composite lumber also has its benefits. never heard of composite lumber? let's take a look at the pros and cons of both decking materials to help you choose what will work best for your particular deck design. wood cedar and pressure-treated woods are your options in this area.
natural drainage. yes, there is treatment requirements to maintain the real wood decking, avoiding compromising the product you spent extra money on, drilling holes it, unfortunately makes the product of synthetic less valuable. in the future i hope you will consider a real wood product vs synthetic/composite. best of luck to you.
wood is a natural composite of cellulose fibers in a lignin matrix. engineered wood is wood fibers, strands or veneers bound using adhesives. concrete is a composite of aggregate, cement, additives and water. disc brake pads are composites of hard ceramic particles embedded in soft metal.
the benefits of using composite decking & fencing in gardens june 4th, 2018 whilst timber has traditionally been used for both garden fencing and decking, the emergence of composite variants has led to homeowners rethinking what might be best for their garden.
here are five benefits of using composite materials that make it preferable for virtually everyone: environmentally-friendly choice if you build your deck out of wood, trees are being harvested to make it.
benefits of using timber for building | composite deck price eco-friendly materials. wood plastic composite products is new decorative materials in domestic,but popular in foreign country many years.
such benefits of increased forestry come with the need to use the natural material which forests provide wisely, ensuring that timber in increasingly used in a manner which maximises its lifetime and permits environmentally sound disposal — we examine the scope that the increased use of timber in construction offers for meeting these aims in section 8.
application of timber-lightweight composite structures for building construction wolfgang winter1, alireza fadai2, marjan maftoon3 abstract: the main objective of this paper is to show the benefits of using timber-lightweight composite structures for the more widespread practical applications in buildings.
as one of two buildings awarded $1.5 million by the usda tall wood building competition, framework is an 11 story building that will serve as a test- for composite wood. clt doesn’t use old-growth trees—numerous types of younger, locally sourced wood can be used.


text: in Worcester on the smart business directory. Below you can see business listings listed in the in Worcester Section of our website. You can list your Business on our website by going here .

lowercased: in worcester on the smart business directory. below you can see business listings listed in the in worcester section of our website. you can list your business on our website by going here .


text:
First of all, how could my input help?
I have been lucky enough to work with many Canadian and international content creators of film, television, web series, narrative apps, transmedia experiences and games. I have developed and been involved with the implementation of digital marketing and audience engagement strategies for many of these projects and have researched the online space and consumer behaviour from this perspective extensively. It has given me insights that could be invaluable as the Canadian government tries to figure out how to “strengthen the creation, discovery and export of Canadian content in a digital world.” I have some definite arguments about what makes CanCon viable, the value of audience, how niche global strategies are key to the future, and how Canada, perhaps more than any country in the world, has everything it needs to take advantage of these digital opportunities.
First real question, what the heck is VIABLE Canadian content?
The word “viable” has come up in the documentation provided by the government as well as in the online conversations around #DigiCanCon, although I would argue not as often as it should. What is viable Canadian content or, for that matter, a viable creative economy, business model or career? The answer to this question or questions is far from simple.
However, at its core, the answer to the viability question for every CanCon creator is that they need to have an audience for their work and that hopefully they can make a living from their creations (for which an audience is key). In our government-subsidized content ecosystem, the revenue model for creators has often had more to do with triggering public money than about finding an audience or generating revenue directly from growing that audience. While we should be grateful to have this kind of public support for creative work, it has insulated our creators from current market realities significantly.
Our existing funding system for media incentivizes plugging into the old model of broadcast television, theatrical distribution and film festivals, a model that is out of touch with the way most consumers demand their content in the digital world. The reality is, the audience has never been more empowered and creators, funders and traditional gatekeepers need to understand them better than ever or risk becoming obsolete. The digital audience holds the key to the future and there is lots of opportunity for those who understand their digital audience best.
OK, so what do we need to know about the digital audience?
Audiences are the new gatekeepers. We are living in an age of content abundance, and there is no putting that genie back in the bottle. But while the amount of content continues to grow, there are still only 24 hours in each day. The one thing, perhaps the only thing, that is in short supply is audience attention. Content consumers are unbelievably empowered in the digital world by the amount of choices they have for their free time and their control over their attention. For this reason, every marketing and engagement strategy needs to be led by deep knowledge of its target audience(s) and there is no one-size-fits-all.
Audiences are VERY impatient. We live in an age of instant gratification. We have forgotten how to wait for things, mostly because we don’t have to. This impatience contributes to online piracy and is something that creators should be taking into account when it comes to marketing and distribution of their content. Once the awareness and demand is created, people will want it NOW. They don’t want to wait for six months, one month or even a week. The old media business model is based on scarcity of content and access, with geographic territories and release windows maximizing sales. This methodology no longer fits with how consumers DEMAND content. They don’t care about the revenue model or technology limitations or IP ownership. They want what they want, when and how they want it and that is not likely to change.
Audiences want more. When people love a story they often can’t get enough. MORE can mean behind-the-scenes tidbits, additional story conveyed through different media, opportunities for fans to participate in conversations, the ability to act inspired by the story, and so on. A single linear storytelling medium like a movie is often not enough to feed an insatiable fandom. Content creators should figure out ways to create stories that stir up these kinds of passions, and to fulfill that desire across not just one installment but an entire body of work. Content creators also have to become more comfortable with the audience taking more ownership of beloved characters and storyworlds and even find ways to collaborate and participate in the fan creations. It is also tapping into this kind of passion that leads to successful crowdfunding or micropatronage campaigns.
Audiences are fragmented. Because we have so many choices when it comes to content, audiences are very fragmented. This means content creators outside of the mass mediaverse (aka Hollywood in the North American context) do not have a chance of reaching EVERYONE, or even a demographic slice that includes, say, all women between 18-34. The road to success for most content lies in leveraging niche appeal wherever possible. Speaking to the hearts of a relevant niche about themes and issues that mean a lot to them, can stir up those passions I mentioned above. And once the right niches are engaged they will amplify and spread the word for you (because every audience member has an audience now). Luckily, identifying, understanding and reaching niche audiences has never been easier because of the opportunities created by the digital world.
So how do we make the powerful, impatient, ravenous and fragmented digital audience work for viable CanCon?
Get out of the mass media business. We live next door to the huge Hollywood machine and do not have the money to effectively compete for the attention of the masses, especially on purely Canadian funded English language projects. When looking at the traditional model of broadcast television (which is driven by subscription and ad dollars that are declining), conventional theatrical distribution (where even blockbusters let alone indie films struggle), we have not had many recent Canadian financial success stories. The business models based on (pre)selling into geographic territories and/or reaching a mass global audience is in great jeopardy and does not favour the smaller players (as can be seen in the heated discussions around the single EU digital market). Canada IS a smaller player and should look for more strategic opportunities based on its own cultural assets. Mass media should not be the goal for Canadian content.
Embrace Canada’s diversity & niche appeal. We are one of the few countries in the world that has been built, for better or for worse, on mass immigration over the last 150+ years. It has left us with a very diverse population who have many unique stories to tell. Unlike the American melting pot, we have talked the talk of embracing the diverse mosaic of Canadian citizens. Our media, however, has been slow to reflect this multiplicity, being primarily driven by investment in stories mainly championed by straight, white men. While they are an important part of the Canadian story, it is only one part. Increasing public funding and support for diverse voices and stories dovetails beautifully with the fragmentation opportunity. In the digital world, creators can find deep and passionate niche audiences across the world who can create community and conversation around their content, which can become a path to a viable business model.
Invest in and incentivize strategic experimentation & early development that is audience driven. In the new digital paradigm, there is a lot more that could be included in development beyond scripts and prototypes. I would argue, in fact, that a story or project without an audience is not viable CanCon and that the two should be explored together. For instance, early development deliverables should not just include the delivery of a treatment or early concept, but also proof of audience & interest (through identification of target niches, influencers, online conversations and a demonstration by the content creator that they understand who their audience is and how this project/story will resonate with them). As script and concept development progresses, so should a more fully realized plan for audience development and engagement, perhaps with some early focus group testing and experimentation to further hone the strategy. Special provisions and support should also be provided for those without a track record in the funding system so that more diverse storytellers are encouraged to apply and are on-ramped into the public system.
Invest in and share content/audience data with creators & MAKE IT EASY. In the old media content model, there was very little data available to content creators. While there are still black holes in the digital dataverse (hello Netflix!), there is more data available than ever before. Data is the story of your audience, the one they tell with every action they take online. Data can make creators very powerful if they listen and respond. Giving creators access to tools they wouldn’t otherwise be able to afford and training to maximize this opportunity will be key for success in the digital world. Besides data on their own projects, it would also be great to get anonymized data from across Canada that could be sampled by different criteria (i.e. content type, genre, content length, etc). This information could provide important intelligence so creators can understand what has gone before so every project can start ahead of the game, set realistic goals and refine their strategies based on relative market intelligence. Every CanCon creator who gets public money should be required to contribute to this collective knowledge base. No data sharing should mean no money.
Incentivize & invest in audience development & engagement. Tools like Telefilm’s Success Index incentivize participation by creators in the old content business model, and keep diverse and innovative creators out who have not been a part of the public system in the past 5 years. No value is currently given to any metrics in the digital world. This needs to change if the government truly wants to get serious about DigiCanCon. Proof of a digitally engaged audience must be part of such criteria. Serious money also needs to be invested in the content creator taking ownership of growing this audience. I would suggest the equivalent of at least 10% of the production budget should be allocated for digital marketing and audience development by the CanCon creator. This audience should be a long-term asset that follows the creator throughout their body of work increasing the viability of their content and careers.
Embrace our digital superpower, which is our nation of diverse voices, and get out of the mass media business.
Weave audience development into every part of CanCon financing.
Incentivize data sharing by our content creators and pay for access to data tools they couldn’t otherwise afford.
Ensure there is significant budget set aside on every project for digital marketing and audience engagement by content creators.
Incentivize better participation in the digital world with a new Success Index that includes key digital audience engagement metrics.
And, finally, leverage the brand of Canada outside of the country by curating Canadian content on a digital hub, that itself actively cultivates and engages with key niche audiences around the world (walking the digital walk and setting an example for content creators).
Thank you for this opportunity to contribute to this inquiry, both the online conversation and this platform. I am sure there are many great ideas pouring in, and a focus on audience, data and diverse niche content will help set Canada up for great digital success in the future.

lowercased:
first of all, how could my input help?
i have been lucky enough to work with many canadian and international content creators of film, television, web series, narrative apps, transmedia experiences and games. i have developed and been involved with the implementation of digital marketing and audience engagement strategies for many of these projects and have researched the online space and consumer behaviour from this perspective extensively. it has given me insights that could be invaluable as the canadian government tries to figure out how to “strengthen the creation, discovery and export of canadian content in a digital world.” i have some definite arguments about what makes cancon viable, the value of audience, how niche global strategies are key to the future, and how canada, perhaps more than any country in the world, has everything it needs to take advantage of these digital opportunities.
first real question, what the heck is viable canadian content?
the word “viable” has come up in the documentation provided by the government as well as in the online conversations around #digicancon, although i would argue not as often as it should. what is viable canadian content or, for that matter, a viable creative economy, business model or career? the answer to this question or questions is far from simple.
however, at its core, the answer to the viability question for every cancon creator is that they need to have an audience for their work and that hopefully they can make a living from their creations (for which an audience is key). in our government-subsidized content ecosystem, the revenue model for creators has often had more to do with triggering public money than about finding an audience or generating revenue directly from growing that audience. while we should be grateful to have this kind of public support for creative work, it has insulated our creators from current market realities significantly.
our existing funding system for media incentivizes plugging into the old model of broadcast television, theatrical distribution and film festivals, a model that is out of touch with the way most consumers demand their content in the digital world. the reality is, the audience has never been more empowered and creators, funders and traditional gatekeepers need to understand them better than ever or risk becoming obsolete. the digital audience holds the key to the future and there is lots of opportunity for those who understand their digital audience best.
ok, so what do we need to know about the digital audience?
audiences are the new gatekeepers. we are living in an age of content abundance, and there is no putting that genie back in the bottle. but while the amount of content continues to grow, there are still only 24 hours in each day. the one thing, perhaps the only thing, that is in short supply is audience attention. content consumers are unbelievably empowered in the digital world by the amount of choices they have for their free time and their control over their attention. for this reason, every marketing and engagement strategy needs to be led by deep knowledge of its target audience(s) and there is no one-size-fits-all.
audiences are very impatient. we live in an age of instant gratification. we have forgotten how to wait for things, mostly because we don’t have to. this impatience contributes to online piracy and is something that creators should be taking into account when it comes to marketing and distribution of their content. once the awareness and demand is created, people will want it now. they don’t want to wait for six months, one month or even a week. the old media business model is based on scarcity of content and access, with geographic territories and release windows maximizing sales. this methodology no longer fits with how consumers demand content. they don’t care about the revenue model or technology limitations or ip ownership. they want what they want, when and how they want it and that is not likely to change.
audiences want more. when people love a story they often can’t get enough. more can mean behind-the-scenes tidbits, additional story conveyed through different media, opportunities for fans to participate in conversations, the ability to act inspired by the story, and so on. a single linear storytelling medium like a movie is often not enough to feed an insatiable fandom. content creators should figure out ways to create stories that stir up these kinds of passions, and to fulfill that desire across not just one installment but an entire body of work. content creators also have to become more comfortable with the audience taking more ownership of beloved characters and storyworlds and even find ways to collaborate and participate in the fan creations. it is also tapping into this kind of passion that leads to successful crowdfunding or micropatronage campaigns.
audiences are fragmented. because we have so many choices when it comes to content, audiences are very fragmented. this means content creators outside of the mass mediaverse (aka hollywood in the north american context) do not have a chance of reaching everyone, or even a demographic slice that includes, say, all women between 18-34. the road to success for most content lies in leveraging niche appeal wherever possible. speaking to the hearts of a relevant niche about themes and issues that mean a lot to them, can stir up those passions i mentioned above. and once the right niches are engaged they will amplify and spread the word for you (because every audience member has an audience now). luckily, identifying, understanding and reaching niche audiences has never been easier because of the opportunities created by the digital world.
so how do we make the powerful, impatient, ravenous and fragmented digital audience work for viable cancon?
get out of the mass media business. we live next door to the huge hollywood machine and do not have the money to effectively compete for the attention of the masses, especially on purely canadian funded english language projects. when looking at the traditional model of broadcast television (which is driven by subscription and ad dollars that are declining), conventional theatrical distribution (where even blockbusters let alone indie films struggle), we have not had many recent canadian financial success stories. the business models based on (pre)selling into geographic territories and/or reaching a mass global audience is in great jeopardy and does not favour the smaller players (as can be seen in the heated discussions around the single eu digital market). canada is a smaller player and should look for more strategic opportunities based on its own cultural assets. mass media should not be the goal for canadian content.
embrace canada’s diversity & niche appeal. we are one of the few countries in the world that has been built, for better or for worse, on mass immigration over the last 150+ years. it has left us with a very diverse population who have many unique stories to tell. unlike the american melting pot, we have talked the talk of embracing the diverse mosaic of canadian citizens. our media, however, has been slow to reflect this multiplicity, being primarily driven by investment in stories mainly championed by straight, white men. while they are an important part of the canadian story, it is only one part. increasing public funding and support for diverse voices and stories dovetails beautifully with the fragmentation opportunity. in the digital world, creators can find deep and passionate niche audiences across the world who can create community and conversation around their content, which can become a path to a viable business model.
invest in and incentivize strategic experimentation & early development that is audience driven. in the new digital paradigm, there is a lot more that could be included in development beyond scripts and prototypes. i would argue, in fact, that a story or project without an audience is not viable cancon and that the two should be explored together. for instance, early development deliverables should not just include the delivery of a treatment or early concept, but also proof of audience & interest (through identification of target niches, influencers, online conversations and a demonstration by the content creator that they understand who their audience is and how this project/story will resonate with them). as script and concept development progresses, so should a more fully realized plan for audience development and engagement, perhaps with some early focus group testing and experimentation to further hone the strategy. special provisions and support should also be provided for those without a track record in the funding system so that more diverse storytellers are encouraged to apply and are on-ramped into the public system.
invest in and share content/audience data with creators & make it easy. in the old media content model, there was very little data available to content creators. while there are still black holes in the digital dataverse (hello netflix!), there is more data available than ever before. data is the story of your audience, the one they tell with every action they take online. data can make creators very powerful if they listen and respond. giving creators access to tools they wouldn’t otherwise be able to afford and training to maximize this opportunity will be key for success in the digital world. besides data on their own projects, it would also be great to get anonymized data from across canada that could be sampled by different criteria (i.e. content type, genre, content length, etc). this information could provide important intelligence so creators can understand what has gone before so every project can start ahead of the game, set realistic goals and refine their strategies based on relative market intelligence. every cancon creator who gets public money should be required to contribute to this collective knowledge base. no data sharing should mean no money.
incentivize & invest in audience development & engagement. tools like telefilm’s success index incentivize participation by creators in the old content business model, and keep diverse and innovative creators out who have not been a part of the public system in the past 5 years. no value is currently given to any metrics in the digital world. this needs to change if the government truly wants to get serious about digicancon. proof of a digitally engaged audience must be part of such criteria. serious money also needs to be invested in the content creator taking ownership of growing this audience. i would suggest the equivalent of at least 10% of the production budget should be allocated for digital marketing and audience development by the cancon creator. this audience should be a long-term asset that follows the creator throughout their body of work increasing the viability of their content and careers.
embrace our digital superpower, which is our nation of diverse voices, and get out of the mass media business.
weave audience development into every part of cancon financing.
incentivize data sharing by our content creators and pay for access to data tools they couldn’t otherwise afford.
ensure there is significant budget set aside on every project for digital marketing and audience engagement by content creators.
incentivize better participation in the digital world with a new success index that includes key digital audience engagement metrics.
and, finally, leverage the brand of canada outside of the country by curating canadian content on a digital hub, that itself actively cultivates and engages with key niche audiences around the world (walking the digital walk and setting an example for content creators).
thank you for this opportunity to contribute to this inquiry, both the online conversation and this platform. i am sure there are many great ideas pouring in, and a focus on audience, data and diverse niche content will help set canada up for great digital success in the future.


text:
The global Industrial Gases market is valued at 60200 million US$ in 2018 is expected to reach 70500 million US$ by the end of 2025, growing at a CAGR of 2.0% during 2019-2025.
This report focuses on Industrial Gases volume and value at global level, regional level and company level. From a global perspective, this report represents overall Industrial Gases market size by analyzing historical data and future prospect. Regionally, this report focuses on several key regions: North America, Europe, China and Japan. Key companies profiled on his report are Linde Group, Air Liquide, Praxair, Air Products And Chemicals, Taiyo Nippon Sanso, Air Water, Airgas, Messer, Yingde Gases and more in the terms of Product Introduction, Application, Specification, companies Production, Revenue, Price and Gross Margin (2014-2019), etc.

lowercased:
the global industrial gases market is valued at 60200 million us$ in 2018 is expected to reach 70500 million us$ by the end of 2025, growing at a cagr of 2.0% during 2019-2025.
this report focuses on industrial gases volume and value at global level, regional level and company level. from a global perspective, this report represents overall industrial gases market size by analyzing historical data and future prospect. regionally, this report focuses on several key regions: north america, europe, china and japan. key companies profiled on his report are linde group, air liquide, praxair, air products and chemicals, taiyo nippon sanso, air water, airgas, messer, yingde gases and more in the terms of product introduction, application, specification, companies production, revenue, price and gross margin (2014-2019), etc.


text: Postmodern Jukebox, also widely known by the acronym PMJ, is a rotating musical collective founded by arranger and pianist Scott Bradlee in 2011. PMJ is known for reworking popular modern music into different vintage genres, especially early 20th century forms such as swing and jazz. Postmodern Jukebox has amassed over 1 billion YouTube views and 3.6 million subscribers.

lowercased: postmodern jukebox, also widely known by the acronym pmj, is a rotating musical collective founded by arranger and pianist scott bradlee in 2011. pmj is known for reworking popular modern music into different vintage genres, especially early 20th century forms such as swing and jazz. postmodern jukebox has amassed over 1 billion youtube views and 3.6 million subscribers.


text:
Eating healthier is definitely getting easier. Cooking healthy food at home, though, can often be tricky. It’s tough to know which healthy recipes are actually going to taste good, and some recipes seem as though you need a culinary degree to figure it all out.
To make it easier for you, here are some recipes that taste amazing and are easy enough for novice cooks and clumsy bakers to get right. These are some of tried-and-true recipes. They're great intros to the anti-inflammatory diet, and are just a few of the many great recipes found in The Immune System Recovery Plan by Dr. Susan Blum.
Preheat oven to 400 degrees. Place the salmon on a baking sheet lined with parchment paper and spread the mustard on the salmon.
Mix the herbs, salt, olive oil, and bread crumbs in a small bowl. Cover the salmon with the herb mixture, and line the lemon wedges around the fish snugly to trap the juices. Roast the fish for 18 minutes or until cooked through (time will vary depending on thickness).

lowercased:
eating healthier is definitely getting easier. cooking healthy food at home, though, can often be tricky. it’s tough to know which healthy recipes are actually going to taste good, and some recipes seem as though you need a culinary degree to figure it all out.
to make it easier for you, here are some recipes that taste amazing and are easy enough for novice cooks and clumsy bakers to get right. these are some of tried-and-true recipes. they're great intros to the anti-inflammatory diet, and are just a few of the many great recipes found in the immune system recovery plan by dr. susan blum.
preheat oven to 400 degrees. place the salmon on a baking sheet lined with parchment paper and spread the mustard on the salmon.
mix the herbs, salt, olive oil, and bread crumbs in a small bowl. cover the salmon with the herb mixture, and line the lemon wedges around the fish snugly to trap the juices. roast the fish for 18 minutes or until cooked through (time will vary depending on thickness).


text:
Vice premier minister Dmitry Rogozin signed a mandate to produce all GLONASS supporting equipment using only Russian electronic components. «Russia spends a lot of money from a budget to build and support GLONASS satellites but purchasing GNSS modules from China at the same time», as Mr. Rogozin admitted.
On the eve government arranged a meeting with a private Russian manufacturers of electronic components. By the end of this conversation was decided to establish an Interdepartmental Working Group, which will create a «road map» for own GLONASS modules production.
British company Racelogic represented new low-cost simulator for GNSS LabSat 3 with record and replay functions. Presentation of simulator was arranged during the ION exhibition in Nashville, USA.
Additional information about LabSat 3 record and replay system (in rissian).
PR Electronics Ltd. is an official distibutor of Racelogic LabSat on territory of CIS countries.

lowercased:
vice premier minister dmitry rogozin signed a mandate to produce all glonass supporting equipment using only russian electronic components. «russia spends a lot of money from a budget to build and support glonass satellites but purchasing gnss modules from china at the same time», as mr. rogozin admitted.
on the eve government arranged a meeting with a private russian manufacturers of electronic components. by the end of this conversation was decided to establish an interdepartmental working group, which will create a «road map» for own glonass modules production.
british company racelogic represented new low-cost simulator for gnss labsat 3 with record and replay functions. presentation of simulator was arranged during the ion exhibition in nashville, usa.
additional information about labsat 3 record and replay system (in rissian).
pr electronics ltd. is an official distibutor of racelogic labsat on territory of cis countries.


text:
Home » Portfolios » Which Philippine blogs are making it big?
Which Philippine blogs are making it big?
Janette Toral got quoted in this story based from her presentation at the Digital Summit held for ABS-CBN employees.
According to Janette Toral of DigitalFilipino.com, several bloggers have found a sweet spot with their audience, attracting more readers to their respective blogs and websites.
During the Digital Summit held for ABS-CBN employees, Toral noted that readers have accepted blogs as sources of information.
According to Toral, among those that are making it big with web hits are blogs focused on beauty, travel, gossip/entertainment, and food.
Toral advised aspiring bloggers not to focus too much on how searchable their content will be on Google.

lowercased:
home » portfolios » which philippine blogs are making it big?
which philippine blogs are making it big?
janette toral got quoted in this story based from her presentation at the digital summit held for abs-cbn employees.
according to janette toral of digitalfilipino.com, several bloggers have found a sweet spot with their audience, attracting more readers to their respective blogs and websites.
during the digital summit held for abs-cbn employees, toral noted that readers have accepted blogs as sources of information.
according to toral, among those that are making it big with web hits are blogs focused on beauty, travel, gossip/entertainment, and food.
toral advised aspiring bloggers not to focus too much on how searchable their content will be on google.


text:
Our Offices - Tenerife Property Shop S.L.
Tenerife Property Shop offices. Click the marker on the map to get the address, contact details and a photo of the office.
Find us on the ground floor of the commercial centre opposite the marina and yachts. There are two public car parks, one beside the marina and the other above the commercial centre.
Find us in the commercial centre close to the road. You can park in the public spaces on the road opposite the office.
We are located on the main circular one way system around Golf del Sur. Parking is just on the road outside the office.

lowercased:
our offices - tenerife property shop s.l.
tenerife property shop offices. click the marker on the map to get the address, contact details and a photo of the office.
find us on the ground floor of the commercial centre opposite the marina and yachts. there are two public car parks, one beside the marina and the other above the commercial centre.
find us in the commercial centre close to the road. you can park in the public spaces on the road opposite the office.
we are located on the main circular one way system around golf del sur. parking is just on the road outside the office.


text:
This is a game developed when Sega was firing on all cylinders both creatively and in gameplay terms, and is thoroughly deserving of being called a solid-gold classic. If you’ve experienced its charms previously then chances are you’ve already downloaded it; if you haven’t then you’re in a for a real treat.
Was lässt sich zu so einem Klassiker mehr sagen? Mögt ihr herausfordernde Retro-Spiele, schlagt ihr zu und genießt das volle Retro-Paket mit all seinen Vorzügen, vom Gameplay bis zum tollen Soundtrack. Features wie die Ninjitsu-Aktionen und die kultigen, abwechslungsreichen Settings wissen zu überzeugen. Das etwas trägere Gameplay, verglichen mit anderen Plattformer, ist anfangs etwas gewöhnungsbedürftig, aber es lohnt sich defintiv über die ersten Frustmomente hinauszuspielen, bis sich das Spiel vollständig entfaltet. Nach Ninja Gaiden und The Last Ninja II ist Shinobis Rache der nächste gelungene Ninja-Klassiker in unserer Test-Bibliothek.
So take the word of the Genesis players who were there blazing the trail 20 years ago and first got their hands on this one -- Revenge of Shinobi is definitely worth your while, and 800 of your Wii Points. Just don't be too disappointed when you come across Spider-Man in his freshly recolored, powder pink Spandex. It's just another step in the long journey of afterthought alterations for one of SEGA's most loved action games.
La première escapade de la licence Shinobi sur Megadrive est une grande réussite. Graphismes colorés et variés, level design soigné et original, gameplay à la fois simple et terriblement efficace, les musiques sont signées Yuso Koshiro en personne. On pourrait tout de même critiquer la difficulté franchement excessive qui mettra vos nerfs à rude épreuve, et encore, c’est un euphémisme. Vous voulez savoir si Sega est parvenu à faire briller le potentiel de la Megadrive par l’intermédiaire de ce jeu ? La réponse est oui ! Pari tenu !

lowercased:
this is a game developed when sega was firing on all cylinders both creatively and in gameplay terms, and is thoroughly deserving of being called a solid-gold classic. if you’ve experienced its charms previously then chances are you’ve already downloaded it; if you haven’t then you’re in a for a real treat.
was lässt sich zu so einem klassiker mehr sagen? mögt ihr herausfordernde retro-spiele, schlagt ihr zu und genießt das volle retro-paket mit all seinen vorzügen, vom gameplay bis zum tollen soundtrack. features wie die ninjitsu-aktionen und die kultigen, abwechslungsreichen settings wissen zu überzeugen. das etwas trägere gameplay, verglichen mit anderen plattformer, ist anfangs etwas gewöhnungsbedürftig, aber es lohnt sich defintiv über die ersten frustmomente hinauszuspielen, bis sich das spiel vollständig entfaltet. nach ninja gaiden und the last ninja ii ist shinobis rache der nächste gelungene ninja-klassiker in unserer test-bibliothek.
so take the word of the genesis players who were there blazing the trail 20 years ago and first got their hands on this one -- revenge of shinobi is definitely worth your while, and 800 of your wii points. just don't be too disappointed when you come across spider-man in his freshly recolored, powder pink spandex. it's just another step in the long journey of afterthought alterations for one of sega's most loved action games.
la première escapade de la licence shinobi sur megadrive est une grande réussite. graphismes colorés et variés, level design soigné et original, gameplay à la fois simple et terriblement efficace, les musiques sont signées yuso koshiro en personne. on pourrait tout de même critiquer la difficulté franchement excessive qui mettra vos nerfs à rude épreuve, et encore, c’est un euphémisme. vous voulez savoir si sega est parvenu à faire briller le potentiel de la megadrive par l’intermédiaire de ce jeu ? la réponse est oui ! pari tenu !


text:
Sunday QTMs for 5/24/15: GUESS WHAT GOD WAS CARRYING FOR ME?
QTMs for 5/19/15: WHAT WERE YOU THINKING?
QTMs for 5/8/15: CAST OFF, ME HEARTYS!

lowercased:
sunday qtms for 5/24/15: guess what god was carrying for me?
qtms for 5/19/15: what were you thinking?
qtms for 5/8/15: cast off, me heartys!


text:
Bullying was the most cited reason for home schooling in research completed by Autism Spectrum Australia (Cheney & Bruck, 2016). As this problem becomes increasingly recognised there are people on the spectrum who are working towards doing something about this matter.
Stephen Mark Shore is a professor of special education at Adelphi University, a Plenary Speaker at APAC17, and is running a half day pre-conference workshop on bullying in the lead up to the Asia Pacific Autism Conference in Sydney. He describes the impact of bullying on a person as like scrunching up a new piece of paper.
As I reflect about my life (in my book), I realise that being bullied wasn’t just something that ended with me proudly stating to the class “I am Aspie and I am Proud!”. Bullying had broken me to the point where I wasn’t able to defend myself later in life.
I worked for a studio in 2012 as their Multimedia Designer. I had a boss that said he would be understanding of my autism but in the end bullied me more than I could imagine. In these moments, I would no longer be the fully functioning adult I was, but the kid from high school who would flee to the library. Unable to fight back.
there is a lot of anecdotal evidence that if we can find commonalities between people that people tend to be more alike than different and if we foster those similarities, that can be a great help. Additionally, he says, having a climate that doesn’t tolerate bullying in school, work and wherever else, is essential.
“We need to recognize it for what it is and we need to stop it. It has to come from the adults in the situation”.
What about the old advice of standing up to the bully?
Stephen mentioned some recent studies. US research reports that students on the spectrum were bullied 43.6 percent of the time. People on the spectrum can be easy targets. It can be hard for us to understand whether people are just having a joke or if someone is being genuinely mean.
The only times where the kids have not been bullied is when the father is the school’s principal. This felt pretty obvious because who would bully the child of the person who runs the school they are going to?
If we go deeper into the research we can find it more interesting and quite shocking. The Examiners asked teachers to rate “how often do you intervene when it comes to bullying?” to which the teachers reported they intervened around 70 percent of the time.
The research also observed the rate of teacher intervention in bullying in real life school settings.
Observations showed teacher intervention is shockingly low.
This is obviously an environment that tolerates bullying.
I told her that it was a pen that my mum got from Poland. Another friend decided they wanted a look and I happily obliged. As the second class mate looked at it, one of the bigger bullies took it. I asked the bully to give it back.
I was distressed, the pen had value to me, and he treated it like nothing. What really felt like a kick in the guts was that my science teacher was busy talking about her nail polish with female students.
If you are being bullied, please don’t feel like you’re alone in this matter. Bullying occurs on a regular basis, whether it be through race, gender, disability or sexuality and this doesn’t stop at the schoolyard.
But remember students that are reading this, you are not alone, you can do the following.
This matter has come up previously on my blog which can be seen here.
Thomas Kuzma interviewed Stephen Shore in June. The animation was created by Callum Gurney, a volunteer working with Aspect and was edited by Asher Scobie, Aspect's Digital Content Developer. They are all on the autism spectrum.

lowercased:
bullying was the most cited reason for home schooling in research completed by autism spectrum australia (cheney & bruck, 2016). as this problem becomes increasingly recognised there are people on the spectrum who are working towards doing something about this matter.
stephen mark shore is a professor of special education at adelphi university, a plenary speaker at apac17, and is running a half day pre-conference workshop on bullying in the lead up to the asia pacific autism conference in sydney. he describes the impact of bullying on a person as like scrunching up a new piece of paper.
as i reflect about my life (in my book), i realise that being bullied wasn’t just something that ended with me proudly stating to the class “i am aspie and i am proud!”. bullying had broken me to the point where i wasn’t able to defend myself later in life.
i worked for a studio in 2012 as their multimedia designer. i had a boss that said he would be understanding of my autism but in the end bullied me more than i could imagine. in these moments, i would no longer be the fully functioning adult i was, but the kid from high school who would flee to the library. unable to fight back.
there is a lot of anecdotal evidence that if we can find commonalities between people that people tend to be more alike than different and if we foster those similarities, that can be a great help. additionally, he says, having a climate that doesn’t tolerate bullying in school, work and wherever else, is essential.
“we need to recognize it for what it is and we need to stop it. it has to come from the adults in the situation”.
what about the old advice of standing up to the bully?
stephen mentioned some recent studies. us research reports that students on the spectrum were bullied 43.6 percent of the time. people on the spectrum can be easy targets. it can be hard for us to understand whether people are just having a joke or if someone is being genuinely mean.
the only times where the kids have not been bullied is when the father is the school’s principal. this felt pretty obvious because who would bully the child of the person who runs the school they are going to?
if we go deeper into the research we can find it more interesting and quite shocking. the examiners asked teachers to rate “how often do you intervene when it comes to bullying?” to which the teachers reported they intervened around 70 percent of the time.
the research also observed the rate of teacher intervention in bullying in real life school settings.
observations showed teacher intervention is shockingly low.
this is obviously an environment that tolerates bullying.
i told her that it was a pen that my mum got from poland. another friend decided they wanted a look and i happily obliged. as the second class mate looked at it, one of the bigger bullies took it. i asked the bully to give it back.
i was distressed, the pen had value to me, and he treated it like nothing. what really felt like a kick in the guts was that my science teacher was busy talking about her nail polish with female students.
if you are being bullied, please don’t feel like you’re alone in this matter. bullying occurs on a regular basis, whether it be through race, gender, disability or sexuality and this doesn’t stop at the schoolyard.
but remember students that are reading this, you are not alone, you can do the following.
this matter has come up previously on my blog which can be seen here.
thomas kuzma interviewed stephen shore in june. the animation was created by callum gurney, a volunteer working with aspect and was edited by asher scobie, aspect's digital content developer. they are all on the autism spectrum.


text:
Cathy Glasson: It's time to stop wasting our money on elaborate efforts to deny people care.
The caregivers in our union at the University of Iowa Hospitals and Clinics (UIHC) got an ominous letter in the mail late last month. You can see it by scrolling to the bottom of this piece. It ordered them to send documents proving the identity of their spouses and children on the hospital’s health insurance plan. If they fail to do so, their loved ones’ coverage will be cut off.
The letter came from an outside consulting firm called HMS, which bills itself as a leader in health care “cost containment.” But this isn’t cost containment, it’s cost shifting. And the irony is that anyone UIHC does kick off its insurance plan may return to the hospital’s emergency room as an uninsured patient unable to pay for care.
We don’t want to just single out UIHC for criticism, however. Its self-defeating effort to cut costs is a symptom of the sickness that’s afflicting health care in Iowa and across America.
Right now, UIHC and all of Iowa’s hospitals are being squeezed in a fiscal vise. Ever since former Gov. Terry Branstad privatized the management of Iowa’s Medicaid system in 2016, the for-profit providers that run it have been refusing to reimburse hospitals for millions of dollars in care. Last year, charity care — care for which hospitals aren’t paid — jumped 17.4 percent.
Now, under Gov. Kim Reynolds, we’re hearing horrifying stories of Medicaid recipients being denied vital care. In April, the Register reported on a disabled 4-year-old forced to crawl because a private Medicaid provider wouldn’t pay for his walker. The state insists that these cruel cuts have saved Iowans money. But the Iowa Hospital Association says there’s “zero” evidence to support that claim.
On the federal level, the progress made under the Affordable Care Act (ACA) is being reversed. After its passage in 2010, the number of uninsured Americans dropped to its lowest level in history while the growth in health care costs fell dramatically, according to the New York Times. But now that Republicans are actively sabotaging the ACA, the number of uninsured Americans is rising once again and so are the costs for hospitals that must care for them.
Given the financial squeeze hospitals face, perhaps it’s understandable that UIHC is resorting to desperate measures to cut costs. But forcing Americans to jump through even more hoops to get health care isn’t working. The U.S. spends 17.2 percent of our GDP on health care, almost double the rate in the rest of the developed world.
The difference between us and them? Virtually every other developed country has embraced a single-payer system that’s far more efficient than ours. Those nations treat health care as a fundamental human right. It’s time to stop wasting our money on elaborate efforts to deny people care. Instead, let’s devote our resources to providing affordable quality care to every American whenever they need it.
Cathy Glasson is a registered nurse and president of SEIU Local 199, which represents 5,000 Iowa healthcare workers and public employees. She was a Democratic candidate for governor, finishing second in the June 5 primary.

lowercased:
cathy glasson: it's time to stop wasting our money on elaborate efforts to deny people care.
the caregivers in our union at the university of iowa hospitals and clinics (uihc) got an ominous letter in the mail late last month. you can see it by scrolling to the bottom of this piece. it ordered them to send documents proving the identity of their spouses and children on the hospital’s health insurance plan. if they fail to do so, their loved ones’ coverage will be cut off.
the letter came from an outside consulting firm called hms, which bills itself as a leader in health care “cost containment.” but this isn’t cost containment, it’s cost shifting. and the irony is that anyone uihc does kick off its insurance plan may return to the hospital’s emergency room as an uninsured patient unable to pay for care.
we don’t want to just single out uihc for criticism, however. its self-defeating effort to cut costs is a symptom of the sickness that’s afflicting health care in iowa and across america.
right now, uihc and all of iowa’s hospitals are being squeezed in a fiscal vise. ever since former gov. terry branstad privatized the management of iowa’s medicaid system in 2016, the for-profit providers that run it have been refusing to reimburse hospitals for millions of dollars in care. last year, charity care — care for which hospitals aren’t paid — jumped 17.4 percent.
now, under gov. kim reynolds, we’re hearing horrifying stories of medicaid recipients being denied vital care. in april, the register reported on a disabled 4-year-old forced to crawl because a private medicaid provider wouldn’t pay for his walker. the state insists that these cruel cuts have saved iowans money. but the iowa hospital association says there’s “zero” evidence to support that claim.
on the federal level, the progress made under the affordable care act (aca) is being reversed. after its passage in 2010, the number of uninsured americans dropped to its lowest level in history while the growth in health care costs fell dramatically, according to the new york times. but now that republicans are actively sabotaging the aca, the number of uninsured americans is rising once again and so are the costs for hospitals that must care for them.
given the financial squeeze hospitals face, perhaps it’s understandable that uihc is resorting to desperate measures to cut costs. but forcing americans to jump through even more hoops to get health care isn’t working. the u.s. spends 17.2 percent of our gdp on health care, almost double the rate in the rest of the developed world.
the difference between us and them? virtually every other developed country has embraced a single-payer system that’s far more efficient than ours. those nations treat health care as a fundamental human right. it’s time to stop wasting our money on elaborate efforts to deny people care. instead, let’s devote our resources to providing affordable quality care to every american whenever they need it.
cathy glasson is a registered nurse and president of seiu local 199, which represents 5,000 iowa healthcare workers and public employees. she was a democratic candidate for governor, finishing second in the june 5 primary.


text:
The world’s currency prognosticators appear to agree on at least one major trend for the next couple of years: The yen is going to get stronger.
From about 113.30 per dollar now, the yen will probably appreciate to 105 by 2020, according to a Bloomberg survey in which the weakest estimate was for 113. But the more bullish analysts, including Commerzbank AG and Morgan Stanley, see it solidly below 100, reaching levels last seen in 2013. Rather than a result of haven buying precipitated by global chaos, Commerzbank, for one, expects the rally to come from tighter Bank of Japan monetary policy.
Couple that with the Federal Reserve’s rate-hike path running out of steam, and Ulrich Leuchtmann at Commerzbank sees scope for 96 yen per dollar by the end of 2020. Busting through 100 yen would be significant, because in recent years traders have speculated that the Bank of Japan would step in to weaken its currency in that area. The dollar-yen rate hasn’t closed below 100 for an extended period since 2008-2013, when investors sought shelter in Japan’s currency amid the financial crisis and its aftermath.
His bullish view took hold starting in July, when Bank of Japan Governor Haruhiko Kuroda created a more flexible range for yields. Benchmark Japanese 10-year rates trade at about 0.08 percent, compared with as low as around 0.02 percent in early July.
The scenario that takes dollar-yen to 96, according to Leuchtmann, is one in which the BOJ is reducing stimulus as the Fed pauses. The market’s movement since Wednesday offer a glimpse into how that may play out. The yen is gaining for a second day after Fed Chairman Jerome Powell’s comments led traders to trim bets on U.S. rate hikes in 2019.
In addition to rising yields, an anticipated end to the BOJ’s negative interest-rate policy in 2019 would make the yen “relatively more attractive,” according to a Nov. 25 note from Morgan Stanley analysts led by Hans Redeker. They see the yen appreciating to 94 per dollar by the end of 2020 as the U.S. economy slows while Japan’s improves, drawing capital.
Jane Foley, Rabobank’s London-based head of FX strategy, is among analysts holding a dimmer view of the yen’s prospects. She says that for the yen to reach 94 per dollar would require a catastrophic event like a global crisis. And what’s more, BOJ policy will still be looser than that of its peers. She anticipates the yen trading between 105-110 per dollar by the end of 2019.
In Tokyo, Daisuke Karakama, chief market economist at Mizuho Bank Ltd., expects dollar-yen to fall to around 100 by the end of next year. But for him, the U.S. side will be the driver, mostly as traders anticipate the end of Fed tightening. It will be hard for the BOJ, and the European Central Bank, for that matter, to normalize policy if traders expect the Fed to halt.
“All focus will be on the Fed’s monetary policy” he said.

lowercased:
the world’s currency prognosticators appear to agree on at least one major trend for the next couple of years: the yen is going to get stronger.
from about 113.30 per dollar now, the yen will probably appreciate to 105 by 2020, according to a bloomberg survey in which the weakest estimate was for 113. but the more bullish analysts, including commerzbank ag and morgan stanley, see it solidly below 100, reaching levels last seen in 2013. rather than a result of haven buying precipitated by global chaos, commerzbank, for one, expects the rally to come from tighter bank of japan monetary policy.
couple that with the federal reserve’s rate-hike path running out of steam, and ulrich leuchtmann at commerzbank sees scope for 96 yen per dollar by the end of 2020. busting through 100 yen would be significant, because in recent years traders have speculated that the bank of japan would step in to weaken its currency in that area. the dollar-yen rate hasn’t closed below 100 for an extended period since 2008-2013, when investors sought shelter in japan’s currency amid the financial crisis and its aftermath.
his bullish view took hold starting in july, when bank of japan governor haruhiko kuroda created a more flexible range for yields. benchmark japanese 10-year rates trade at about 0.08 percent, compared with as low as around 0.02 percent in early july.
the scenario that takes dollar-yen to 96, according to leuchtmann, is one in which the boj is reducing stimulus as the fed pauses. the market’s movement since wednesday offer a glimpse into how that may play out. the yen is gaining for a second day after fed chairman jerome powell’s comments led traders to trim bets on u.s. rate hikes in 2019.
in addition to rising yields, an anticipated end to the boj’s negative interest-rate policy in 2019 would make the yen “relatively more attractive,” according to a nov. 25 note from morgan stanley analysts led by hans redeker. they see the yen appreciating to 94 per dollar by the end of 2020 as the u.s. economy slows while japan’s improves, drawing capital.
jane foley, rabobank’s london-based head of fx strategy, is among analysts holding a dimmer view of the yen’s prospects. she says that for the yen to reach 94 per dollar would require a catastrophic event like a global crisis. and what’s more, boj policy will still be looser than that of its peers. she anticipates the yen trading between 105-110 per dollar by the end of 2019.
in tokyo, daisuke karakama, chief market economist at mizuho bank ltd., expects dollar-yen to fall to around 100 by the end of next year. but for him, the u.s. side will be the driver, mostly as traders anticipate the end of fed tightening. it will be hard for the boj, and the european central bank, for that matter, to normalize policy if traders expect the fed to halt.
“all focus will be on the fed’s monetary policy” he said.