text:
Tomas Berdych defeated No. 3 seed David Ferrer in four sets Tuesday to reach his first-ever Australian semi-final. He has now reached the semi-finals of all four grand slams! Tomas will face Swiss Stanislas Wawrinka who defeated defending champion Novak Djokovic in five sets.
Australian Open semi-finalist Tomas Berdych was left to rue his poor tie-breaks as he missed the chance to make a grand slam final. In a match that featured just one break of serve, Swiss number eight seed Stanislas Wawrinka played better when it mattered to seal a 6-3 6-7 (1-7) 7-6 (7-3) 7-6 (7-4) victory.
Berdych was pleased with his performance, but said luck deserted him in the tie-breaks as he committed crucial unforced errors and double faults.
"Basically the game plan was working nearly perfect," he said. "But the tie-break is always a big lottery, and he was the lucky one today.
"I'm starting to get quite annoyed with the matches losing in tie-breaks. I'm not pretty good in that.
"I can give you quite many examples of losing matches in tie-breaks. I need to improve that, definitely."
The big-serving Czech had just one break point throughout the entire match and while Wawrinka only had four, he capitalised on one in the first set that proved crucial in the outcome of the match.
"Well I got one. I made a chance to break him; it didn't happen," Berdych added. "He made just only one which definitely decide the match.
"It was a very good match. I played very well. I build the tactics and the game plan on my strength.
"It was working pretty good. Just there was one thing that I miss, and it was my service game in the first set.
"Other than that, I was able to play aggressive, not to do that many mistakes."
In an indication of just how close the match was, Wawrinka won a total of 143 points compared to 142 from Berdych.
The seventh seed wasn't interested in hearing how close he was to a second grand slam final and said the difference was that Wawrinka took his chances.
"Basically doesn't matter. Just show how the result was close. That's it," he said.
"You know, I mean, I just saw the statistic right quickly after I came back. As you said, it's been by one point and one break, that's it.
"Well, I mean, if I would feel the difference then I would be nearly a genius.
"It's really hard to find what could be the difference. I mean, we both play great. We play a good match. Stan was the one that just took it, and that's it."
Model Ester Satorova, girlfriend of Tomas Berdych, watches his semifinal against Stanislas Wawrinka of Switzerland at the Australian Open tennis championship in Melbourne, Australia, Thursday, Jan. 23, 2014.
Tomas Berdych's parents, mother Hana and father Martin, girlfriend Ester Satorova and his support team watch his semifinal against Stanislas Wawrinka of Switzerland at the Australian Open tennis championship in Melbourne, Australia, Thursday, Jan. 23, 2014.
SEMI-FINAL MATCH AUSTRALIAN OPEN 2014 Enjoy 14 Swiss TV Captures TSR2!
Q. You won 142 points and Stan won 143. Does it make it any harder when it's so close?
TOMAS BERDYCH: Basically doesn't matter. Just show how the result was close. That's it.
You know, I mean, I just saw the statistic right quickly after I came back. As you said, it's been by one point and one break, that's it.
Q. What did you feel was the difference out there tonight?
TOMAS BERDYCH: Well, I mean, if I would feel the difference then I would be nearly a genius. As you said, the match was extremely even and it was really so close.
It's really hard to find what could be the difference. I mean, we both play great. We play a good match. Stan was the one that just took it, and that's it.
Q. Harder time than usual reading his serve?
TOMAS BERDYCH: Well, I mean, I got one. I made a chance to break him; didn't happen. He made just only one which definitely decide the match. You know, that's it.
No, I didn't have a problem with that. Serving great. Serving a lot of aces. No, definitely not.
Q. Do you feel on another day it could have been your match? Do you think that way?
TOMAS BERDYCH: No, I don't. I definitely don't think like that. I'm a guy who lives in the present time. This theoretic speaking, that's not my style, so I'm not going to give you the answer for that. I don't know it.
Q. You used to buy watches every time you had a big result here. Is this a watch worthy tournament, making semis?
TOMAS BERDYCH: No, I mean, well, this is really what is not part of the, I don't know, like the press conference right after the match.
I have other feelings going through my mind and you just coming with a question like that. Really, I don't know what to say about it.
Q. What do you take, if anything, out of the match tonight?
TOMAS BERDYCH: It was a very good match. I play very well. I build the tactics and the game plan on my strength. It was working pretty good. You know, just there was one thing that I miss, and it was my service game in the first set.
Other than that, you know, I was able to play aggressive, not to do that many mistakes, you know, attacking Stan, especially after those slices backhands.
Basically the game plan was working nearly perfect. But, you know, just the tiebreak is always a big lottery, and he was the lucky one today.
Q. Do you remember the last time you played such a close match?
TOMAS BERDYCH: Well, I mean, I'm starting to get quite annoyed with the matches losing in tiebreaks. I'm not pretty good in that. I can give you quite many examples of losing matches in tiebreaks.
I need to improve that, definitely.
Q. You've played Stan quite a few times in the past year. Do you feel he's improved every time you've played him?
TOMAS BERDYCH: Of course. I said that many times. I can just repeat the same thing: It's the player who made the biggest improvement of his game in the last year.
When he starts to work with Magnus his tennis is really, really a different level. You can see it on the results. Really there is no question about it.

lowercased:
tomas berdych defeated no. 3 seed david ferrer in four sets tuesday to reach his first-ever australian semi-final. he has now reached the semi-finals of all four grand slams! tomas will face swiss stanislas wawrinka who defeated defending champion novak djokovic in five sets.
australian open semi-finalist tomas berdych was left to rue his poor tie-breaks as he missed the chance to make a grand slam final. in a match that featured just one break of serve, swiss number eight seed stanislas wawrinka played better when it mattered to seal a 6-3 6-7 (1-7) 7-6 (7-3) 7-6 (7-4) victory.
berdych was pleased with his performance, but said luck deserted him in the tie-breaks as he committed crucial unforced errors and double faults.
"basically the game plan was working nearly perfect," he said. "but the tie-break is always a big lottery, and he was the lucky one today.
"i'm starting to get quite annoyed with the matches losing in tie-breaks. i'm not pretty good in that.
"i can give you quite many examples of losing matches in tie-breaks. i need to improve that, definitely."
the big-serving czech had just one break point throughout the entire match and while wawrinka only had four, he capitalised on one in the first set that proved crucial in the outcome of the match.
"well i got one. i made a chance to break him; it didn't happen," berdych added. "he made just only one which definitely decide the match.
"it was a very good match. i played very well. i build the tactics and the game plan on my strength.
"it was working pretty good. just there was one thing that i miss, and it was my service game in the first set.
"other than that, i was able to play aggressive, not to do that many mistakes."
in an indication of just how close the match was, wawrinka won a total of 143 points compared to 142 from berdych.
the seventh seed wasn't interested in hearing how close he was to a second grand slam final and said the difference was that wawrinka took his chances.
"basically doesn't matter. just show how the result was close. that's it," he said.
"you know, i mean, i just saw the statistic right quickly after i came back. as you said, it's been by one point and one break, that's it.
"well, i mean, if i would feel the difference then i would be nearly a genius.
"it's really hard to find what could be the difference. i mean, we both play great. we play a good match. stan was the one that just took it, and that's it."
model ester satorova, girlfriend of tomas berdych, watches his semifinal against stanislas wawrinka of switzerland at the australian open tennis championship in melbourne, australia, thursday, jan. 23, 2014.
tomas berdych's parents, mother hana and father martin, girlfriend ester satorova and his support team watch his semifinal against stanislas wawrinka of switzerland at the australian open tennis championship in melbourne, australia, thursday, jan. 23, 2014.
semi-final match australian open 2014 enjoy 14 swiss tv captures tsr2!
q. you won 142 points and stan won 143. does it make it any harder when it's so close?
tomas berdych: basically doesn't matter. just show how the result was close. that's it.
you know, i mean, i just saw the statistic right quickly after i came back. as you said, it's been by one point and one break, that's it.
q. what did you feel was the difference out there tonight?
tomas berdych: well, i mean, if i would feel the difference then i would be nearly a genius. as you said, the match was extremely even and it was really so close.
it's really hard to find what could be the difference. i mean, we both play great. we play a good match. stan was the one that just took it, and that's it.
q. harder time than usual reading his serve?
tomas berdych: well, i mean, i got one. i made a chance to break him; didn't happen. he made just only one which definitely decide the match. you know, that's it.
no, i didn't have a problem with that. serving great. serving a lot of aces. no, definitely not.
q. do you feel on another day it could have been your match? do you think that way?
tomas berdych: no, i don't. i definitely don't think like that. i'm a guy who lives in the present time. this theoretic speaking, that's not my style, so i'm not going to give you the answer for that. i don't know it.
q. you used to buy watches every time you had a big result here. is this a watch worthy tournament, making semis?
tomas berdych: no, i mean, well, this is really what is not part of the, i don't know, like the press conference right after the match.
i have other feelings going through my mind and you just coming with a question like that. really, i don't know what to say about it.
q. what do you take, if anything, out of the match tonight?
tomas berdych: it was a very good match. i play very well. i build the tactics and the game plan on my strength. it was working pretty good. you know, just there was one thing that i miss, and it was my service game in the first set.
other than that, you know, i was able to play aggressive, not to do that many mistakes, you know, attacking stan, especially after those slices backhands.
basically the game plan was working nearly perfect. but, you know, just the tiebreak is always a big lottery, and he was the lucky one today.
q. do you remember the last time you played such a close match?
tomas berdych: well, i mean, i'm starting to get quite annoyed with the matches losing in tiebreaks. i'm not pretty good in that. i can give you quite many examples of losing matches in tiebreaks.
i need to improve that, definitely.
q. you've played stan quite a few times in the past year. do you feel he's improved every time you've played him?
tomas berdych: of course. i said that many times. i can just repeat the same thing: it's the player who made the biggest improvement of his game in the last year.
when he starts to work with magnus his tennis is really, really a different level. you can see it on the results. really there is no question about it.


text:
TRANSMISSION 6-SPEED AUTOMATIC ELECTRONICALLY CONTROLLED with overdrive and tow/haul mode. Includes Cruise Grade Braking and Powertrain Grade Braking (STD) SEATS FRONT FULL-FEATURE LEATHER-APPOINTED BUCKET WITH (KA1) HEATED SEAT CUSHIONS AND SEAT BACKS includes 10-way power driver and front passenger seat adjusters including 2-way power lumbar control 2-position driver memory adjustable head restraints (D07) floor console storage pockets and (K4C) Wireless charging.
Hello, I would like more information about the 2017 Chevrolet Silverado 1500, stock# 1GCVKSECXHZ214094.
Hello, I would like to see more pictures of the 2017 Chevrolet Silverado 1500, stock# 1GCVKSECXHZ214094.

lowercased:
transmission 6-speed automatic electronically controlled with overdrive and tow/haul mode. includes cruise grade braking and powertrain grade braking (std) seats front full-feature leather-appointed bucket with (ka1) heated seat cushions and seat backs includes 10-way power driver and front passenger seat adjusters including 2-way power lumbar control 2-position driver memory adjustable head restraints (d07) floor console storage pockets and (k4c) wireless charging.
hello, i would like more information about the 2017 chevrolet silverado 1500, stock# 1gcvksecxhz214094.
hello, i would like to see more pictures of the 2017 chevrolet silverado 1500, stock# 1gcvksecxhz214094.


text:
Signing books can be a lonely business sometimes--thank goodness Chapters Strawberry Hill is in my parents' neighbourhood! My mother was the first to stop at the table.
I also enjoyed meeting the neices of Dr. Shimi Kang, author of The Dolphin Way, who enjoyed an impromptu sword fight in the front of the store. I bet that was a first for everyone!

lowercased:
signing books can be a lonely business sometimes--thank goodness chapters strawberry hill is in my parents' neighbourhood! my mother was the first to stop at the table.
i also enjoyed meeting the neices of dr. shimi kang, author of the dolphin way, who enjoyed an impromptu sword fight in the front of the store. i bet that was a first for everyone!


text:
Bitcoin is the most popular digital currency in this tenure of the world and it is trending in all over the globe. There are many internet users are trading in Bitcoins and making fantastic profit and others are getting information about Bitcoin currency and service. Bitcoin usage is increasing consistency basis and multiple Bitcoin holders are also providing block-chain and e-wallet service in digital market for new customers. Bitcoin is a unique currency in online business market because it is not print currency like other universal currencies and it is actually based on pure mathematics system.
Bitcoin service providers also need an excellent platform for gaining more users on regular routines. They must need to give identity of their service and create brand in digital market. Bitcoin is a popular thing in internet world and if you are serving this facility so you need to give astonishing look of your business portfolio according to modern world requirement. You need to hire digital marketing service that can provide identity of your service in internet and promote your brand in digital market for gaining more customers in your Bitcoin service. Branding and Identity promotions are really efficient tasks for developing any business and when it comes for Bitcoin cryptocurrency so it can give huge impact on your giving service.

lowercased:
bitcoin is the most popular digital currency in this tenure of the world and it is trending in all over the globe. there are many internet users are trading in bitcoins and making fantastic profit and others are getting information about bitcoin currency and service. bitcoin usage is increasing consistency basis and multiple bitcoin holders are also providing block-chain and e-wallet service in digital market for new customers. bitcoin is a unique currency in online business market because it is not print currency like other universal currencies and it is actually based on pure mathematics system.
bitcoin service providers also need an excellent platform for gaining more users on regular routines. they must need to give identity of their service and create brand in digital market. bitcoin is a popular thing in internet world and if you are serving this facility so you need to give astonishing look of your business portfolio according to modern world requirement. you need to hire digital marketing service that can provide identity of your service in internet and promote your brand in digital market for gaining more customers in your bitcoin service. branding and identity promotions are really efficient tasks for developing any business and when it comes for bitcoin cryptocurrency so it can give huge impact on your giving service.


text:
We’re in the final countdown, folks. 39 instructional days until Summer Break and only 9 more instructional days until SPRING BREAK! It’s that time of year when first graders really start to take off!
Because we worked them so hard on double digit addition and subtraction these last few weeks, we were ready to take a break and move into a different type of thinking: geometry. In first grade, we are expected to be able to identify and describe shapes based on their attributes. What better way to introduce this than with some math disguised as some sneaky fun?!
Last year, I read this post on the Crazy for First Grade blog and immediately tried it with my first graders. It was such a hit that I could not wait to try it again this year. Keep reading to see how we did it in my classroom!
To introduce the book, I explained that we were ready to begin our geometry unit by talking about attributes. Attributes are used to help our students talk about shapes in an academic way. I did not explain what attributes were when we started. Instead, I repeated it over and over and had them echo it for me a few times. With any new vocabulary word, I call it a “college word.” This immediately makes their ears perk up and stand at attention! I explained that sometimes books do an even better job at teaching us math than TEACHERS!
We read the story and paused on a few pages. My question was always, “What attribute did Frog and Toad use to describe his lost button?” Surely enough, the kids were able to explain what attributes were by the end of the story.
We again reviewed the attributes used in the text and then…the coveted buttons made their arrival.
We dumped the buttons onto the carpet and brainstormed some ways we could sort.
How did you know this button belonged in this group?
How did you know this button did NOT belong in this group?
After each group had a chance to sort buttons in a variety of ways, we always referred back to the chart to discuss the attributes we used.
When we returned to whole group, we played Guess My Attribute.
To play, the students chose 3 buttons from the jar and displayed them on the document camera. From here, they did exactly as the name of the game suggests. The kids were thinking, “What is the same about these shapes?” in order to guess the attribute!
This led us PERFECTLY into our brain check for the day. Each student was given two buttons and challenged to identify key attributes and identify ways in which the buttons were similar and different. Last year, I modified this page to work for buttons and shapes but it is still completely Crazy in First Grade’s idea. Because of this, you will need to go to her page in order to download the worksheet.
How do you introduce attributes and shapes?

lowercased:
we’re in the final countdown, folks. 39 instructional days until summer break and only 9 more instructional days until spring break! it’s that time of year when first graders really start to take off!
because we worked them so hard on double digit addition and subtraction these last few weeks, we were ready to take a break and move into a different type of thinking: geometry. in first grade, we are expected to be able to identify and describe shapes based on their attributes. what better way to introduce this than with some math disguised as some sneaky fun?!
last year, i read this post on the crazy for first grade blog and immediately tried it with my first graders. it was such a hit that i could not wait to try it again this year. keep reading to see how we did it in my classroom!
to introduce the book, i explained that we were ready to begin our geometry unit by talking about attributes. attributes are used to help our students talk about shapes in an academic way. i did not explain what attributes were when we started. instead, i repeated it over and over and had them echo it for me a few times. with any new vocabulary word, i call it a “college word.” this immediately makes their ears perk up and stand at attention! i explained that sometimes books do an even better job at teaching us math than teachers!
we read the story and paused on a few pages. my question was always, “what attribute did frog and toad use to describe his lost button?” surely enough, the kids were able to explain what attributes were by the end of the story.
we again reviewed the attributes used in the text and then…the coveted buttons made their arrival.
we dumped the buttons onto the carpet and brainstormed some ways we could sort.
how did you know this button belonged in this group?
how did you know this button did not belong in this group?
after each group had a chance to sort buttons in a variety of ways, we always referred back to the chart to discuss the attributes we used.
when we returned to whole group, we played guess my attribute.
to play, the students chose 3 buttons from the jar and displayed them on the document camera. from here, they did exactly as the name of the game suggests. the kids were thinking, “what is the same about these shapes?” in order to guess the attribute!
this led us perfectly into our brain check for the day. each student was given two buttons and challenged to identify key attributes and identify ways in which the buttons were similar and different. last year, i modified this page to work for buttons and shapes but it is still completely crazy in first grade’s idea. because of this, you will need to go to her page in order to download the worksheet.
how do you introduce attributes and shapes?


text:
Irish soda bread from Blue Duck Bakery.
Everyone is Irish on St. Patrick’s Day — and they want their Irish soda bread.
Good thing Blue Duck Bakery is making 600 loaves this week.
The key is steering clear of baking powder, Kouris said. Instead, Blue Duck uses a combination of cream of tartar and baking soda, as well as a mix of flours instead of a straight pastry flour. And then there’s buttermilk, of course, he said.

lowercased:
irish soda bread from blue duck bakery.
everyone is irish on st. patrick’s day — and they want their irish soda bread.
good thing blue duck bakery is making 600 loaves this week.
the key is steering clear of baking powder, kouris said. instead, blue duck uses a combination of cream of tartar and baking soda, as well as a mix of flours instead of a straight pastry flour. and then there’s buttermilk, of course, he said.


text:
Introduces Linux with a focus on system administration skills. Topics include installation, file and directory management, command execution, input/output redirection and pipes, shell scripts, network services, security and troubleshooting.
Coreq: Enterprise Client, 10154184 or PHP Web Development with MySQL, 10152166 with a grade of C or better or concurrent enrollment?

lowercased:
introduces linux with a focus on system administration skills. topics include installation, file and directory management, command execution, input/output redirection and pipes, shell scripts, network services, security and troubleshooting.
coreq: enterprise client, 10154184 or php web development with mysql, 10152166 with a grade of c or better or concurrent enrollment?


text:
Will investors’ appetite for equity products continue to grow in 2018 following this year’s surge?
Nicolas Marque, BNP Paribas: Investors’ appetite for structured equity products depends on the momentum in the underlying and structuring conditions – momentum is expected to remain favourable to equities. Although a number of risks have arisen – high valuations, for example – the consensus is that benign conditions and attractiveness of equities relative to other asset classes should be prolonged for most of 2018.
In terms of structuring conditions, 2018 should be more favourable, with risks facing equities helping volatility increase alongside a firm expectation of higher interest rates. Structured products are expected to experience headwinds at the beginning of the year, following enforcement of Mifid II. Market participants will likely focus more on the go-live of new systems and adapting more to new regulatory requirements than on new product issuances or investments. Bottom-line growth of equity structured products is likely to continue for most of 2018, but at a slower pace and in a bumpier mode.
How has BNP Paribas tackled regulatory changes in the financial services industry and adjusted its business model to new frameworks?
Nicolas Marque: Mifid II is a wide-reaching regulatory change that impacts the entire business value chain – both on our side and the clients’. An adaptation of our IT systems has been essential to meet these new regulatory requirements while maintaining our efficiency. Digitalisation of our business enables us to capture the relevant data more easily, change processes quickly, automate repetitive tasks and ultimately respond to our clients in a seamless manner. We set up a number of project streams to ensure we are fully compliant under Mifid II requirements. For packaged retail and insurance-based investment products (Priips), a task force is in place, with the aim of fully automating the production of key information documents internally. We believe these changes will lead to better investor protection and more market transparency, and thus a more sustainable industry.
What feedback has there been from clients on BNP Paribas’ Target Income Enhanced Returns (TIER) indexes and Smart Derivatives?
Nicolas Marque: The TIER range of indexes has been designed to address two main issues that clients face: for distributors, how to grow the wallet of structured products in end-client portfolios; and for real money managers, how to smooth timing impact on investment returns.
By implementing daily reverse convertibles in a systematic and transparent fashion, TIER indexes are a suitable solution for private banking investors, allowing them to deliver a well-known and appreciated investment profile while removing timing risk through the smoothing of execution. Institutional clients have indicated that TIER provides an interesting income profile based on equity allocation, and is therefore well positioned in the current low rate/low yield environment. Compared with a pure equity allocation, the defensive profile also provides a certain level of diversification, as TIER will typically perform better in reasonably bear or ranging equity markets.
Clients have continued to appreciate the versatility of our Smart Derivatives platform. Some fully utilise its structuring richness – for example the payoffs, underlyings and structuring tools – which makes it one of the most comprehensive platforms in the market. Others leverage its business capabilities by deploying our platform in a customised fashion at different layers in their organisations to support strategic development and workflow of structured products within their distribution networks, while containing operational costs.
What has differentiated BNP Paribas from its competitors this year, and what is its recipe for success in this space?
Nicolas Marque: Critical mass is essential in equity derivatives and even more so in the distribution business, which requires heavy infrastructure investments – particularly in the context of new regulatory requirements. BNP Paribas has consolidated its leading position through a number of acquisitions over the past few years. The successive risk transfers of equity derivatives books started with Crédit Agricole in 2014, followed by Royal Bank of Scotland in 2015 and most recently with ING in 2017, which contributed to building this critical mass and further improving infrastructure and IT.
Since 2012, Smart Derivatives has been recognised as the leading single-dealer platform allowing clients to manage all of their structured products online. BNP Paribas was the first to propose a pricing platform of this nature, revolutionising the structured products industry and continuing to elevate the platform with new features year after year.
How is the French market evolving, and what opportunities and challenges does it face?
Nicolas Marque: Like other European markets, the French market has been suffering from a low yield and low volatility environment, with clients struggling to find attractive returns – at least on a relative comparison basis. France is home to Europe’s largest insurance industry by general account assets (contrat en euros), with life insurance companies seeking the transition to unit-linked policies for both commercial and risk management reasons. A structured unit-linked policy with full capital protection has become the preferred option for clients, and has subsequently evolved into partial capital protection as structuring conditions dictated. In this context, there remains room for product innovation to provide income strategies for clients with lower risk appetite than traditional equity investors.
A new area of innovation, somewhat inspired by the German market, is a hybrid product combining general accounts with structured unit-linked policies. Recent changes in the tax regime (flat tax) could lead to a revival of investments through securities accounts, which might help further growth.

lowercased:
will investors’ appetite for equity products continue to grow in 2018 following this year’s surge?
nicolas marque, bnp paribas: investors’ appetite for structured equity products depends on the momentum in the underlying and structuring conditions – momentum is expected to remain favourable to equities. although a number of risks have arisen – high valuations, for example – the consensus is that benign conditions and attractiveness of equities relative to other asset classes should be prolonged for most of 2018.
in terms of structuring conditions, 2018 should be more favourable, with risks facing equities helping volatility increase alongside a firm expectation of higher interest rates. structured products are expected to experience headwinds at the beginning of the year, following enforcement of mifid ii. market participants will likely focus more on the go-live of new systems and adapting more to new regulatory requirements than on new product issuances or investments. bottom-line growth of equity structured products is likely to continue for most of 2018, but at a slower pace and in a bumpier mode.
how has bnp paribas tackled regulatory changes in the financial services industry and adjusted its business model to new frameworks?
nicolas marque: mifid ii is a wide-reaching regulatory change that impacts the entire business value chain – both on our side and the clients’. an adaptation of our it systems has been essential to meet these new regulatory requirements while maintaining our efficiency. digitalisation of our business enables us to capture the relevant data more easily, change processes quickly, automate repetitive tasks and ultimately respond to our clients in a seamless manner. we set up a number of project streams to ensure we are fully compliant under mifid ii requirements. for packaged retail and insurance-based investment products (priips), a task force is in place, with the aim of fully automating the production of key information documents internally. we believe these changes will lead to better investor protection and more market transparency, and thus a more sustainable industry.
what feedback has there been from clients on bnp paribas’ target income enhanced returns (tier) indexes and smart derivatives?
nicolas marque: the tier range of indexes has been designed to address two main issues that clients face: for distributors, how to grow the wallet of structured products in end-client portfolios; and for real money managers, how to smooth timing impact on investment returns.
by implementing daily reverse convertibles in a systematic and transparent fashion, tier indexes are a suitable solution for private banking investors, allowing them to deliver a well-known and appreciated investment profile while removing timing risk through the smoothing of execution. institutional clients have indicated that tier provides an interesting income profile based on equity allocation, and is therefore well positioned in the current low rate/low yield environment. compared with a pure equity allocation, the defensive profile also provides a certain level of diversification, as tier will typically perform better in reasonably bear or ranging equity markets.
clients have continued to appreciate the versatility of our smart derivatives platform. some fully utilise its structuring richness – for example the payoffs, underlyings and structuring tools – which makes it one of the most comprehensive platforms in the market. others leverage its business capabilities by deploying our platform in a customised fashion at different layers in their organisations to support strategic development and workflow of structured products within their distribution networks, while containing operational costs.
what has differentiated bnp paribas from its competitors this year, and what is its recipe for success in this space?
nicolas marque: critical mass is essential in equity derivatives and even more so in the distribution business, which requires heavy infrastructure investments – particularly in the context of new regulatory requirements. bnp paribas has consolidated its leading position through a number of acquisitions over the past few years. the successive risk transfers of equity derivatives books started with crédit agricole in 2014, followed by royal bank of scotland in 2015 and most recently with ing in 2017, which contributed to building this critical mass and further improving infrastructure and it.
since 2012, smart derivatives has been recognised as the leading single-dealer platform allowing clients to manage all of their structured products online. bnp paribas was the first to propose a pricing platform of this nature, revolutionising the structured products industry and continuing to elevate the platform with new features year after year.
how is the french market evolving, and what opportunities and challenges does it face?
nicolas marque: like other european markets, the french market has been suffering from a low yield and low volatility environment, with clients struggling to find attractive returns – at least on a relative comparison basis. france is home to europe’s largest insurance industry by general account assets (contrat en euros), with life insurance companies seeking the transition to unit-linked policies for both commercial and risk management reasons. a structured unit-linked policy with full capital protection has become the preferred option for clients, and has subsequently evolved into partial capital protection as structuring conditions dictated. in this context, there remains room for product innovation to provide income strategies for clients with lower risk appetite than traditional equity investors.
a new area of innovation, somewhat inspired by the german market, is a hybrid product combining general accounts with structured unit-linked policies. recent changes in the tax regime (flat tax) could lead to a revival of investments through securities accounts, which might help further growth.


text:
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play slots angels | bright-colored and charming game.
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text: After we make this change, users who currently receive our content via any RSS newsreader will no longer receive updates. In order to continue to receive our content via RSS technologies, please note this address and use it to re-subscribe to our site’s content beginning tomorrow morning, Saturday, June 29, 2013 using an RSS newsreader other than Google Reader. If you have any questions regarding this change, please email me at webmaster@pdskosciusko.org and I will be glad to assist you.

lowercased: after we make this change, users who currently receive our content via any rss newsreader will no longer receive updates. in order to continue to receive our content via rss technologies, please note this address and use it to re-subscribe to our site’s content beginning tomorrow morning, saturday, june 29, 2013 using an rss newsreader other than google reader. if you have any questions regarding this change, please email me at webmaster@pdskosciusko.org and i will be glad to assist you.


text:
I popped in to IGA for an early morning milk run earlier this week, and when the friendly cashier asked “What have you got planned for today? Do you work?”, I explained that I wasn’t working that day and my daughter and husband were at home sick, she sympathised about caring for sick kids and went on to mention that her daughter was sick with a rare form of cancer. I was taken back and wasn’t sure what to say (how do you respond to that?!). When I asked her how she was doing, she replied that she had passed away 2 years ago.
“I’m so sorry…how are you coping?” I said. Her response will be forever in my memory. She replied “every memory I have of her is as fresh as if it happened yesterday and I still cry every day. Even talking about her makes me emotional”. She spoke so calmly and ‘matter-of-fact’ even though I could see tears welling in her eyes. All the while, putting my groceries in a bag and processing the payment etc. At this point, the next person in line was waiting rather impatiently. So she said ‘have a nice day” and started to serve the person next in line.
I got into my car and had to process the story she had just randomly shared with me – a stranger. I could not even begin to contemplate how I would cope if something like that happened to my daughter. And I admired her strength for still going to work, and getting through each day. How do people manage to solider on after experiencing the loss of a child?
Yesterday, however, I was the lucky recipient of a ‘RAK’.
After my card was declined whilst attempting to buy my lunch (I didn’t realise it was the 1st of December and my card had expired the day before!), a stranger overheard my conversation with the cashier and said “I’ll pay for it!” and handed $10 to the cashier. When I asked her for her address so I could drop the money off to her later that day, she said “no, no, no don’t worry about it, just do something nice for someone else”, and looked at me with a big smile on her face. “I will certainly do that!” I replied, thanked her and went on my way inspired by her kindness and on the lookout for who I could return the favour to.
So this week I have been on both sides of a RAK and it’s been a humbling experience. I truly believe that if there were more RAKs occurring, the world would be a warmer place.
And, in conclusion, ’tis a special time of year as Christmas approaches but it is a difficult time for many people – people who are reminded of loved ones who are no longer there to join in the celebrations OR families who are living below the poverty line. All the more reason for RAKs in the coming weeks. I hope that by sharing my little stories (albeit rather lengthy for a FB post!), you’re inspired to practice Random Acts of Kindness :). Happy holidays everyone!
With the election of Trump, I feel a tsunami of hate has been unleashed surging around the world, in which so many acts of racism, misogyny, homophobia and prejudice have been legitimised using Trump as a role model. The fear at the root of this negative, destructive energy is swallowing up not only those who are the targets of this hate, but also the perpetrators as well. Hatred wells up out of fear, out of ignorance, out of a feeling of being overwhelmed and helpless. And yet, even if we meet this hatred with anger, then we too become consumed by its energy. So how are we to deal with these negative energies? Where do we find comfort? How do we protect ourselves?
I have often been asked how I deal with the negative energy of angry or aggressive people I encounter, or how I cleanse the energy of Wabi’an to make it clear and pure, or how do I protect myself from negativity. But spiritual practice for me is not about building armour around myself or my sacred spaces; it is about learning how to open my heart wider and wider so that negativity simply flows through. Openness is not the same as filtering; it is not that your heart becomes a strainer collecting all the crap! The practice is to open your heart until it is like the vastness of the sky.
In Japanese Buddhism, the word for emptiness is the same as the word for sky, so that when we practice “emptiness” it means to feel like your heart and mind are as vast and open as the sky. In meditation terms, this is “sky mind”: a feeling of complete expansive openness. When your heart is as wide as the sky, that ’emptiness’ is then filled up with feelings of unconditional love and compassion for all beings. And this includes unconditional love for those who are tormented by the hate that leads to harmful actions. This practice of opening your heart is the antidote to fear.
That is not to say that you shouldn’t feel anger or sadness or the need to vent and rail at injustice. I felt so sad after the news that Trump was to be president because I have many dear friends who are suffering a deep and genuine grieving at this turn of events and who fear for themselves and their children. And I also believe that there is no one who is not going to impacted by this – in Australia, as well as America, and in fact all of the world. His presidency is a harbinger of dark times.
It’s natural to feel these strong emotions, and indeed you can use these emotions as an object of meditation: when you feel angry, feel it with your whole body, feel where in your body that anger expresses itself, explore that part of your body with careful attention and mindfulness. You don’t have to berate yourself for having strong reactions to everyday life events, but it is important to use those feelings as a focal point for your attention. Ask yourself, what is happening inside me when I feel this anger? This shift in awareness is enough in itself to also dissipate the intensity of the emotion.
But after the rant, there has to be a conscious working towards collective healing. I have always felt secure and safe, ensconced in my little cocoon of isolation here in a beautiful corner of the planet, surrounded by my birds and trees and Kuan Yin blessings; and yet, I cannot ignore the burning heat of the negative energy of the anger and fear that is now corroding the peace of the people I care about and love. It is up to you and I to make a commitment to keep practicing opening our hearts because the world is suffering and our genuine, unconditional love is the only balm for our own grief and pain and it is the only antidote to hatred.
When I said early last year that I was ‘retiring’, little did I know what challenges the following year would hold. It was as if, without realising it, I was clearing the space so that I could be completely available for the journey I was to share with my mother in the following year. Shortly after I decided to withdraw from my public role as a Buddhist priest, my mother was diagnosed with cancer. What had started as a little sore on her face, which she thought was just a mosquito bite, became a virulent facial cancer that quickly spread to the lymphatic nodes in her neck.
And so I became her primary carer throughout the ordeals that followed as her medical team worked to save her life by extensive face and neck surgery, which left her terribly disfigured, and brutal doses of radiation treatment, which caused her enormous pain, utter debilitation and the distress of losing her ability to eat and speak. The doctors held little hope of her recovery and the treatment was in order that she could die in the least amount of pain. It didn’t seem likely that there was very much of a win any way you looked at it. Then after the radiation finished, when she was supposed to be recovering, my mother suffered from a severe MRSA infection of her radiation burns that meant she another long stay in hospital, extremely ill and in continuous pain.
But throughout this nightmare, my mother met these ordeals with enormous courage, humility and dignity. And she was always so appreciative of every little kindness or attention shown to her by the wonderful nurses in the hospital and at home and she never complained. I saw a side of her that deeply moved and inspired me – she was nothing short of truly heroic!
Then, after all this, in order to give a final prognosis, she had another PET scan to see how far the cancer had progressed in her lymphatic system, but the medical team was astonished to find that the cancer had disappeared! This was completely unexpected as the surgery and radiation were seen as palliative measures only. The doctors were at a loss to explain it. However, for my mother the explanation was simple. She was absolutely sure that what had cured her was love: the love of her children who rallied to help, the love of her friends who prayed for her, the love of the nurses who cared for her. She said that throughout these terrible ordeals she could nonetheless feel healing love flowing through her body and she said she drank it up as a sweet medicine, focussing her meditations on fully opening to this love that was all around her. Then as her strength slowly returned and she felt her life-energy returning, she meditated on feelings of gratitude as a way of returning that love into the world.
At the time when my mother’s suffering was at its greatest, the almond blossoms at my home were blooming. I cut a twig of almond blossom that still had tight buds and I placed it in a bottle by Mum’s bed. One by one the blossoms burst open and then gradually the petals fell. Mum and I would meditate on the beauty of the almond blossom and reflect on how fleeting and beautiful life is. Even when all the petals had shed, we left them there because somehow they seemed to embody the journey we were sharing. Then, after all the suffering was past and the healing had begun, a whole year and a lifetime later, the almond blossoms once again bloomed this week and again I took a twig of blossoms over to Mum. When she saw the twig she immediately recognised its meaning and we both just hugged and cried because those blossoms still embodied that journey we had taken and yet here we were a year later, still together. It was indeed a miracle.
For me, to bear witness to my mother’s pain and to share in her journey was a tremendous privilege. It is so hard to watch someone you love suffering and to feel that there is nothing you can do to alleviate that suffering. But now I know that the greatest healing gift you can give a loved one who is in pain is to bear witness to their pain with love, to hold their hand and feel your own healing love flowing from your heart into theirs. This is the source of all miracles.
Looking up, I can see that it is live and surging with energy. I wonder, what is a tree?

lowercased:
i popped in to iga for an early morning milk run earlier this week, and when the friendly cashier asked “what have you got planned for today? do you work?”, i explained that i wasn’t working that day and my daughter and husband were at home sick, she sympathised about caring for sick kids and went on to mention that her daughter was sick with a rare form of cancer. i was taken back and wasn’t sure what to say (how do you respond to that?!). when i asked her how she was doing, she replied that she had passed away 2 years ago.
“i’m so sorry…how are you coping?” i said. her response will be forever in my memory. she replied “every memory i have of her is as fresh as if it happened yesterday and i still cry every day. even talking about her makes me emotional”. she spoke so calmly and ‘matter-of-fact’ even though i could see tears welling in her eyes. all the while, putting my groceries in a bag and processing the payment etc. at this point, the next person in line was waiting rather impatiently. so she said ‘have a nice day” and started to serve the person next in line.
i got into my car and had to process the story she had just randomly shared with me – a stranger. i could not even begin to contemplate how i would cope if something like that happened to my daughter. and i admired her strength for still going to work, and getting through each day. how do people manage to solider on after experiencing the loss of a child?
yesterday, however, i was the lucky recipient of a ‘rak’.
after my card was declined whilst attempting to buy my lunch (i didn’t realise it was the 1st of december and my card had expired the day before!), a stranger overheard my conversation with the cashier and said “i’ll pay for it!” and handed $10 to the cashier. when i asked her for her address so i could drop the money off to her later that day, she said “no, no, no don’t worry about it, just do something nice for someone else”, and looked at me with a big smile on her face. “i will certainly do that!” i replied, thanked her and went on my way inspired by her kindness and on the lookout for who i could return the favour to.
so this week i have been on both sides of a rak and it’s been a humbling experience. i truly believe that if there were more raks occurring, the world would be a warmer place.
and, in conclusion, ’tis a special time of year as christmas approaches but it is a difficult time for many people – people who are reminded of loved ones who are no longer there to join in the celebrations or families who are living below the poverty line. all the more reason for raks in the coming weeks. i hope that by sharing my little stories (albeit rather lengthy for a fb post!), you’re inspired to practice random acts of kindness :). happy holidays everyone!
with the election of trump, i feel a tsunami of hate has been unleashed surging around the world, in which so many acts of racism, misogyny, homophobia and prejudice have been legitimised using trump as a role model. the fear at the root of this negative, destructive energy is swallowing up not only those who are the targets of this hate, but also the perpetrators as well. hatred wells up out of fear, out of ignorance, out of a feeling of being overwhelmed and helpless. and yet, even if we meet this hatred with anger, then we too become consumed by its energy. so how are we to deal with these negative energies? where do we find comfort? how do we protect ourselves?
i have often been asked how i deal with the negative energy of angry or aggressive people i encounter, or how i cleanse the energy of wabi’an to make it clear and pure, or how do i protect myself from negativity. but spiritual practice for me is not about building armour around myself or my sacred spaces; it is about learning how to open my heart wider and wider so that negativity simply flows through. openness is not the same as filtering; it is not that your heart becomes a strainer collecting all the crap! the practice is to open your heart until it is like the vastness of the sky.
in japanese buddhism, the word for emptiness is the same as the word for sky, so that when we practice “emptiness” it means to feel like your heart and mind are as vast and open as the sky. in meditation terms, this is “sky mind”: a feeling of complete expansive openness. when your heart is as wide as the sky, that ’emptiness’ is then filled up with feelings of unconditional love and compassion for all beings. and this includes unconditional love for those who are tormented by the hate that leads to harmful actions. this practice of opening your heart is the antidote to fear.
that is not to say that you shouldn’t feel anger or sadness or the need to vent and rail at injustice. i felt so sad after the news that trump was to be president because i have many dear friends who are suffering a deep and genuine grieving at this turn of events and who fear for themselves and their children. and i also believe that there is no one who is not going to impacted by this – in australia, as well as america, and in fact all of the world. his presidency is a harbinger of dark times.
it’s natural to feel these strong emotions, and indeed you can use these emotions as an object of meditation: when you feel angry, feel it with your whole body, feel where in your body that anger expresses itself, explore that part of your body with careful attention and mindfulness. you don’t have to berate yourself for having strong reactions to everyday life events, but it is important to use those feelings as a focal point for your attention. ask yourself, what is happening inside me when i feel this anger? this shift in awareness is enough in itself to also dissipate the intensity of the emotion.
but after the rant, there has to be a conscious working towards collective healing. i have always felt secure and safe, ensconced in my little cocoon of isolation here in a beautiful corner of the planet, surrounded by my birds and trees and kuan yin blessings; and yet, i cannot ignore the burning heat of the negative energy of the anger and fear that is now corroding the peace of the people i care about and love. it is up to you and i to make a commitment to keep practicing opening our hearts because the world is suffering and our genuine, unconditional love is the only balm for our own grief and pain and it is the only antidote to hatred.
when i said early last year that i was ‘retiring’, little did i know what challenges the following year would hold. it was as if, without realising it, i was clearing the space so that i could be completely available for the journey i was to share with my mother in the following year. shortly after i decided to withdraw from my public role as a buddhist priest, my mother was diagnosed with cancer. what had started as a little sore on her face, which she thought was just a mosquito bite, became a virulent facial cancer that quickly spread to the lymphatic nodes in her neck.
and so i became her primary carer throughout the ordeals that followed as her medical team worked to save her life by extensive face and neck surgery, which left her terribly disfigured, and brutal doses of radiation treatment, which caused her enormous pain, utter debilitation and the distress of losing her ability to eat and speak. the doctors held little hope of her recovery and the treatment was in order that she could die in the least amount of pain. it didn’t seem likely that there was very much of a win any way you looked at it. then after the radiation finished, when she was supposed to be recovering, my mother suffered from a severe mrsa infection of her radiation burns that meant she another long stay in hospital, extremely ill and in continuous pain.
but throughout this nightmare, my mother met these ordeals with enormous courage, humility and dignity. and she was always so appreciative of every little kindness or attention shown to her by the wonderful nurses in the hospital and at home and she never complained. i saw a side of her that deeply moved and inspired me – she was nothing short of truly heroic!
then, after all this, in order to give a final prognosis, she had another pet scan to see how far the cancer had progressed in her lymphatic system, but the medical team was astonished to find that the cancer had disappeared! this was completely unexpected as the surgery and radiation were seen as palliative measures only. the doctors were at a loss to explain it. however, for my mother the explanation was simple. she was absolutely sure that what had cured her was love: the love of her children who rallied to help, the love of her friends who prayed for her, the love of the nurses who cared for her. she said that throughout these terrible ordeals she could nonetheless feel healing love flowing through her body and she said she drank it up as a sweet medicine, focussing her meditations on fully opening to this love that was all around her. then as her strength slowly returned and she felt her life-energy returning, she meditated on feelings of gratitude as a way of returning that love into the world.
at the time when my mother’s suffering was at its greatest, the almond blossoms at my home were blooming. i cut a twig of almond blossom that still had tight buds and i placed it in a bottle by mum’s bed. one by one the blossoms burst open and then gradually the petals fell. mum and i would meditate on the beauty of the almond blossom and reflect on how fleeting and beautiful life is. even when all the petals had shed, we left them there because somehow they seemed to embody the journey we were sharing. then, after all the suffering was past and the healing had begun, a whole year and a lifetime later, the almond blossoms once again bloomed this week and again i took a twig of blossoms over to mum. when she saw the twig she immediately recognised its meaning and we both just hugged and cried because those blossoms still embodied that journey we had taken and yet here we were a year later, still together. it was indeed a miracle.
for me, to bear witness to my mother’s pain and to share in her journey was a tremendous privilege. it is so hard to watch someone you love suffering and to feel that there is nothing you can do to alleviate that suffering. but now i know that the greatest healing gift you can give a loved one who is in pain is to bear witness to their pain with love, to hold their hand and feel your own healing love flowing from your heart into theirs. this is the source of all miracles.
looking up, i can see that it is live and surging with energy. i wonder, what is a tree?


text:
AsusPRO BU401LG Driver Download Win 7, 8, 8.1, 10. designed with a design card GeForce GT 645M / 640M with minimal improvements to the ability consumption. modern activities may be played with one of these design cards. processors designed with Intel Key i7 is on the basis of the LG1156 Key i5 / i7 CPU for desktops. Key clock pace can dynamically overclock to around 3.2 GHz (920XM). Haswell-based dual-core ULV processor clocked 1.8 GHz with Turbo Boost support around 3.0 GHz. Offering integrated HD Artwork 4400 and dual-channel DDR3 memory controller.
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Make sure the first hardware drivers are not installed by going to Start> right click Computer> select Properties> System window appears> select your device manager.
After completion usually ask the computer/laptop to restart. To install the next driver.

lowercased:
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make sure the first hardware drivers are not installed by going to start> right click computer> select properties> system window appears> select your device manager.
after completion usually ask the computer/laptop to restart. to install the next driver.


text:
Infliction of emotional distress is the result of one individual purposefully acting in a way that is intended to and causes severe mental anguish for another person.
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lowercased:
infliction of emotional distress is the result of one individual purposefully acting in a way that is intended to and causes severe mental anguish for another person.
the wrongdoer's behavior must be deemed as extreme and outrageous.
the action must be done intentionally to cause emotional distress or with reckless disregard to such a consideration.
it is also helpful if the victim can show other non-emotional damages such as loss of gainful employment.
remember, your initial consultation is free, and you don't pay us unless you win. call (713) 739-1250 for your free personal injury consultation today. we handle cases throughout texas.


text:
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Create With Christy: Today's the Last Day for These Great Promos!
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The first one is the one that is exclusive to me. Click on the picture above to find out how you can get these wonderful Foil Snowflakes for FREE from ME!
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Want to see what I've made with these beautiful Foil Snowflakes? CLICK HERE!
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CLICK HERE TO PLACE YOUR DSP ORDER.
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Below, is the video that Stampin' Up! made showing off this great set!
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Stampin' Blends Coming November 1!
Last Day of the World Card Making Day Sale!
Happy New Year - Stampin' Up! Style!
Two GREAT Stampin' Up! Promos in October!

lowercased:
create with christy: today's the last day for these great promos!
today's the last day for these great promos!
the first one is the one that is exclusive to me. click on the picture above to find out how you can get these wonderful foil snowflakes for free from me!
your qualifying online order needs to be placed by midnight (et) tonight!
want to see what i've made with these beautiful foil snowflakes? click here!
you don't want to miss out on this great deal! click on the picture above to see all of the dsp packs that are included in this sale.
click here to place your dsp order.
it needs to be placed by 11:50 p.m. (mt) tonight!
today is the last day you can get the wonderful stamp set, merry patterns. i've had so much fun with this stamp set, and you can see what i've made with it by clicking here.
the only way to get it now is to place a $300 order (before shipping & tax) by 11:50 p.m. (mt) tonight! after that, this stamp set will be gone forever!
if you place a $300 order or more by the deadline, you will also qualify to get the foil snowflakes from me, free...do not use the october host code! don't forget about the buy 3, get 1 free dsp sale above, too!
below, is the video that stampin' up! made showing off this great set!
buy 3, get 1 free dsp sale - ends tuesday!
my first stampin' blends card!
stampin' blends coming november 1!
last day of the world card making day sale!
happy new year - stampin' up! style!
two great stampin' up! promos in october!


text:
Nothing gets me in a good mood like knowing the weekend is right around the corner.
I wore this outfit last weekend when the weather was a gorgeous 80 degrees. I can't say the same for today or yesterday for that matter. It was super chilly! It amazes me how in the same week I wear a spring dress followed by a scarf and jacket. Lol, come on weather get it together. I brought out this knitted crop top from last season. I really wore the heck out of it last summer. I love the feminine details and paired well with these high-waisted jeans, giving it a crisp spring look. I added a choker to give the look a fun vibe. I was feeling nostalgic because it serious brought me back to junior high school when these chokers were in style. Total 90s vibe!
The weather really had me feeling summer ready so I finished the look with these coral wedges.
Thanks for reading todays post.

lowercased:
nothing gets me in a good mood like knowing the weekend is right around the corner.
i wore this outfit last weekend when the weather was a gorgeous 80 degrees. i can't say the same for today or yesterday for that matter. it was super chilly! it amazes me how in the same week i wear a spring dress followed by a scarf and jacket. lol, come on weather get it together. i brought out this knitted crop top from last season. i really wore the heck out of it last summer. i love the feminine details and paired well with these high-waisted jeans, giving it a crisp spring look. i added a choker to give the look a fun vibe. i was feeling nostalgic because it serious brought me back to junior high school when these chokers were in style. total 90s vibe!
the weather really had me feeling summer ready so i finished the look with these coral wedges.
thanks for reading todays post.


text:
Lemix® panels can be processed as easily as plasterboard in drywall construction. Despite their light-weight structure, they provide high storage capacity and regulate humidity. They are resistant to mould, odour-absorbing and offer extremely high sound insulation.
Clear conscience at the end.
The clay panels are particularly unproblematic at the end of their life cycle. While other building materials have to be disposed of as hazardous waste, Lemix® can simply be disassembled. The unfired clay can be reused, at any time and any number of times.
Lemix® is the first clay panel certified according to natureplus and meets all the technical requirements of the LEHM e.V. umbrella association. Lemix® of course also complies with the recently published DIN 18948 for clay boards. The ideal natural construction material for ecological drywall construction.
Everybody is talking about sustainability and Green Building. But what does that really mean? And how can we implement it? We can only do this if we completely understand the complex cycle of building and living and act accordingly.
We extract our raw materials gently and use energy efficiently. The clay is mined locally in the region, with short transport routes to the production facilities. Compared to other wall-building materials, very little energy is required to prepare and process the clay.
Clay absorbs pollutants dissolved in water vapour from the air. In your Lemix®-clad rooms you can take a deep breath and enjoy the feeling of pure air.
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In cooperation with the BUND Naturschutz (German environment protection organisation), we have created a new park for dragonflies at the edge of our clay pit.
The extraction site for our raw materials is very close to the production site.
Lemix® clay panels are compostable and 100% recyclable.

lowercased:
lemix® panels can be processed as easily as plasterboard in drywall construction. despite their light-weight structure, they provide high storage capacity and regulate humidity. they are resistant to mould, odour-absorbing and offer extremely high sound insulation.
clear conscience at the end.
the clay panels are particularly unproblematic at the end of their life cycle. while other building materials have to be disposed of as hazardous waste, lemix® can simply be disassembled. the unfired clay can be reused, at any time and any number of times.
lemix® is the first clay panel certified according to natureplus and meets all the technical requirements of the lehm e.v. umbrella association. lemix® of course also complies with the recently published din 18948 for clay boards. the ideal natural construction material for ecological drywall construction.
everybody is talking about sustainability and green building. but what does that really mean? and how can we implement it? we can only do this if we completely understand the complex cycle of building and living and act accordingly.
we extract our raw materials gently and use energy efficiently. the clay is mined locally in the region, with short transport routes to the production facilities. compared to other wall-building materials, very little energy is required to prepare and process the clay.
clay absorbs pollutants dissolved in water vapour from the air. in your lemix®-clad rooms you can take a deep breath and enjoy the feeling of pure air.
and what happens to building materials if they ever burn? it all depends on the material. toxic gases are often released in fire. that is why smoke poisoning is so common. lemix® is also special in this context. the natural building material is classified as non-flammable and does not release any harmful fumes.
in cooperation with the bund naturschutz (german environment protection organisation), we have created a new park for dragonflies at the edge of our clay pit.
the extraction site for our raw materials is very close to the production site.
lemix® clay panels are compostable and 100% recyclable.


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Self Description: I invite you to the dance! Will you accept my offer? Let's spin into a whirlwind of life. In a whirlwind of love, understanding and well-being of our family! I'm a young, cheerful lady. I do not mind going to live in another country. I'm ready for the big changes in my life, moreover, I want this.
Comments: An adult man, with a big heart. Loving children and life.
My additional Photos My additional Photos Nikolaev Tour Photos Meet Anastasia On The Nikolaev Tour Write Me Now! Send flowers Call me Now!

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self description: i invite you to the dance! will you accept my offer? let's spin into a whirlwind of life. in a whirlwind of love, understanding and well-being of our family! i'm a young, cheerful lady. i do not mind going to live in another country. i'm ready for the big changes in my life, moreover, i want this.
comments: an adult man, with a big heart. loving children and life.
my additional photos my additional photos nikolaev tour photos meet anastasia on the nikolaev tour write me now! send flowers call me now!


text:
I dred replacing unsocketed chips without a plan. Any ideas which are the likely culpret? The power supply is good, the processor and all the socketed chips are good. I suspect RAM, but there have been times when RAM was not the issue, and there are a lot of chips to desolder to find out I was wrong.
Definitely looks like a memory issue, whether it be RAM, video RAM or even ROM. If by "replace" you mean you actually replaced the socketed chips with known good ones, as opposed to just reseating them, you can of course eliminate ROM.
Any of the RAM (or video RAM, 2114s near the middle of the board, IIRC) running overly hot or cold would be the first suspects. If that doesn't turn anything up, try piggybacking some good RAM over the soldered in chips. If you're still none the wiser, it's time to break out the logic probe or scope and figure out exactly what's wrong.
Have you changed the capacitors? My 4032 needs it done and displays (a much smaller degree of) garbage characters until it warms up for 20 minutes or so, after which it works OK.
Gosh Bill, yes that could be RAM, or ROM, or a dodgy capacitor. Unfortuntely it's a pretty generic symptom unless that dark horizontal line in the centre means anything. Or is that just the camera catching the strobe?
I agree with all...that's why I moved on to a different project. What happens in these situations is you get inspired one morning, get the solder sucker out, and spend the day replacing things.
I think first however I will check the voltages to all of the chips and components vs. the schematic. There may be an obvious short that I can detect.
It may not be RAM because I recall from experience that on an older PET with socketed RAM we could still boot a computer with some bad RAM in any position except the first few slots, the system simply reports less memory.
So, I will id which are the RAM that hold the ROMS and the bottom of memory (0000-1000) and replace them first. I don't think it's video RAM, what I believe we're seeing on the screen in the pic is what appears when you first power on a PET, but is then quickly replaced when the system loads BASIC into memory IIRC. Maybe someone else can confirm this.
I also remember that on some PET boards (the 2001-8's) the order of the RAM is different, some of them start from the upper left to lower right, some the exact opposite. My hunch is that the RAM in the first slot is the first RAM in the line, etc. So, I am not going to start in the middle of the board. I think I would only do that if the system was acting flaky, or dying after a few minutes. That's the kind of environmental evidence that would indicate a mid board problem, all easy stuff already checked.
What happens in these situations is you get inspired one morning, get the solder sucker out, and spend the day replacing things.
That's one approach, I suppose ;-) I prefer to spend my time figuring out which component is bad, then just replacing that one.
I don't think it's video RAM, what I believe we're seeing on the screen in the pic is what appears when you first power on a PET, but is then quickly replaced when the system loads BASIC into memory IIRC. Maybe someone else can confirm this.
Yes, there's always garbage on the screen when you start up, until the part of the ROM is run to zero out the video RAM. It'd be wise to check the CPU is running (has a clock signal, activity on the address/data buses) and that the reset or interrupt lines aren't permanently asserted.
Does it do the sequence of startup beeps? Do the contents of the video display change at all, when you press keys, etc?
no beeps and no reaction to keypresses. The system is dying at some point while the RAM is counted and/or before the ROMs are loaded into memory. The more I think about this ..
2) Spot check voltages based on the "if this is getting x volts then that means this section on the board is ok" kind of logic, etc.
3) Replace the RAM chips in order of boot use. Because the 4016 and 4032 ROMS are identical, and from my experience witnessing the removal of RAM while still being able to boot BASIC, I assume that BASIC is not loaded into a specific location in memory, but instead it's placed in a higher area where room permits. I can look this up.
It's probably not relevant and maybe just semantics, but the ROMs (including BASIC) are not "loaded" anywhere; in a normal PET/CBM (i.e. without any expansion boards) the ROMs and the code they contain (Kernel, BASIC, DOS, Editor) are permanently located in the upper 1/4 or more of the memory map (Old ROMs $C000-$FFFF, new ones $B000-$FFFF with a gap in part or all of the $E800-$EFFF block for the I/O chips).
Unfortunately almost any fault anywhere can prevent the system from completing the startup sequence.
If you have bad RAM that only presents incorrect data then the computer might well boot with reduced RAM as you say (or odd screen data if it's the video RAM).
But if the fault is a data or address line shorted to ground or another line then it will interfere with the startup process (even if it's the video RAM) and you won't get very far.
no, that is relevant, you're right the C000 page would be way out of range for 32K. My strategy is probably correct though. I hope there no are little comonents that are burned out just RAM.

lowercased:
i dred replacing unsocketed chips without a plan. any ideas which are the likely culpret? the power supply is good, the processor and all the socketed chips are good. i suspect ram, but there have been times when ram was not the issue, and there are a lot of chips to desolder to find out i was wrong.
definitely looks like a memory issue, whether it be ram, video ram or even rom. if by "replace" you mean you actually replaced the socketed chips with known good ones, as opposed to just reseating them, you can of course eliminate rom.
any of the ram (or video ram, 2114s near the middle of the board, iirc) running overly hot or cold would be the first suspects. if that doesn't turn anything up, try piggybacking some good ram over the soldered in chips. if you're still none the wiser, it's time to break out the logic probe or scope and figure out exactly what's wrong.
have you changed the capacitors? my 4032 needs it done and displays (a much smaller degree of) garbage characters until it warms up for 20 minutes or so, after which it works ok.
gosh bill, yes that could be ram, or rom, or a dodgy capacitor. unfortuntely it's a pretty generic symptom unless that dark horizontal line in the centre means anything. or is that just the camera catching the strobe?
i agree with all...that's why i moved on to a different project. what happens in these situations is you get inspired one morning, get the solder sucker out, and spend the day replacing things.
i think first however i will check the voltages to all of the chips and components vs. the schematic. there may be an obvious short that i can detect.
it may not be ram because i recall from experience that on an older pet with socketed ram we could still boot a computer with some bad ram in any position except the first few slots, the system simply reports less memory.
so, i will id which are the ram that hold the roms and the bottom of memory (0000-1000) and replace them first. i don't think it's video ram, what i believe we're seeing on the screen in the pic is what appears when you first power on a pet, but is then quickly replaced when the system loads basic into memory iirc. maybe someone else can confirm this.
i also remember that on some pet boards (the 2001-8's) the order of the ram is different, some of them start from the upper left to lower right, some the exact opposite. my hunch is that the ram in the first slot is the first ram in the line, etc. so, i am not going to start in the middle of the board. i think i would only do that if the system was acting flaky, or dying after a few minutes. that's the kind of environmental evidence that would indicate a mid board problem, all easy stuff already checked.
what happens in these situations is you get inspired one morning, get the solder sucker out, and spend the day replacing things.
that's one approach, i suppose ;-) i prefer to spend my time figuring out which component is bad, then just replacing that one.
i don't think it's video ram, what i believe we're seeing on the screen in the pic is what appears when you first power on a pet, but is then quickly replaced when the system loads basic into memory iirc. maybe someone else can confirm this.
yes, there's always garbage on the screen when you start up, until the part of the rom is run to zero out the video ram. it'd be wise to check the cpu is running (has a clock signal, activity on the address/data buses) and that the reset or interrupt lines aren't permanently asserted.
does it do the sequence of startup beeps? do the contents of the video display change at all, when you press keys, etc?
no beeps and no reaction to keypresses. the system is dying at some point while the ram is counted and/or before the roms are loaded into memory. the more i think about this ..
2) spot check voltages based on the "if this is getting x volts then that means this section on the board is ok" kind of logic, etc.
3) replace the ram chips in order of boot use. because the 4016 and 4032 roms are identical, and from my experience witnessing the removal of ram while still being able to boot basic, i assume that basic is not loaded into a specific location in memory, but instead it's placed in a higher area where room permits. i can look this up.
it's probably not relevant and maybe just semantics, but the roms (including basic) are not "loaded" anywhere; in a normal pet/cbm (i.e. without any expansion boards) the roms and the code they contain (kernel, basic, dos, editor) are permanently located in the upper 1/4 or more of the memory map (old roms $c000-$ffff, new ones $b000-$ffff with a gap in part or all of the $e800-$efff block for the i/o chips).
unfortunately almost any fault anywhere can prevent the system from completing the startup sequence.
if you have bad ram that only presents incorrect data then the computer might well boot with reduced ram as you say (or odd screen data if it's the video ram).
but if the fault is a data or address line shorted to ground or another line then it will interfere with the startup process (even if it's the video ram) and you won't get very far.
no, that is relevant, you're right the c000 page would be way out of range for 32k. my strategy is probably correct though. i hope there no are little comonents that are burned out just ram.


text:
Select your ARRIVAL & DEPARTURE DATE on the BOOKING PANEL below.
Click on BOOK ONLINE NOW to view the accommodation options that suit your search criteria and are available on those dates.
We look forward to welcoming you to Bell Tower Inn.

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select your arrival & departure date on the booking panel below.
click on book online now to view the accommodation options that suit your search criteria and are available on those dates.
we look forward to welcoming you to bell tower inn.


text:
We only sell full festival passes to Tiny Lights due to our limited capacity. We love to have everyone here for the whole weekend helping us co-create the best festival experience.
Can I sell or give my ticket to someone else?
Tickets are transferable but the TICKET SELLER must forward US the initial confirmation email they received with the TICKET BUYER Ccd in on the message. We will change the name on our will call list. Passes are issued by name AND confirmation number at the gate and ID must be presented to receive a wristband.
As clearly stated on our ticket purchase page, tickets to Tiny Lights are non-refundable. Please see our Facebook ticket exchange page to connect with people wanting to purchase tickets.
Will you send me a ticket in the mail?
We do not send out physical tickets to Tiny Lights. A confirmation code is sent after your online purchase which is to be brought to the gate along with ID to claim your festival pass and receive your wristband.
Is camping included in my Festival pass?
Camping IS NOT included in your festival pass and MUST BE PURCHASED SEPARATELY. Please see our Camping FAQ page for more info on camping.
If I buy multiple tickets for myself and others how can I get them at the gate?
If you purchase multiple tickets under one name, that number will be listed at the gate and if you do not all arrive at the same time, each person will need to have the confirmation code.
You can pick up your pass and receive your wristband at the ticket booth when you arrive onsite with your confirmation code. Please see our FESTIVAL FAQ page for ticket booth hours.
Are children free and do they get a wristband?
Children 12 and under are free and will be given a wristband at check in.
Are there youth tickets available?
Tiny lights does have a specific youth pass for people aged 13-18. If the festival is sold out, there will be no youth passes available at the gate.
You will need photo ID to pick up your passes at the ticket booth.
THE WEBSITE SAYS YOU ARE SOLD OUT, CAN I STILL GET A TICKET?
If the website says tickets are sold out, you will not be able to purchase a ticket for the festival. There may be people selling their tickets on our Ticket Exchange Facebook Page.
I KNOW YOU'RE SOLD OUT BUT WILL THERE BE DAY TICKETS AVAILABLE?
If full festival tickets are sold out, there will be NO day tickets available. We are tiny festival with limited capacity venues and seats must be reserved for those with full festival passes.
I KNOW YOU'RE SOLD OUT BUT WILL THERE BE TICKETS AT THE GATE?
If festival passes are sold out there will be NO tickets available at the gate, please do not arrive on site expecting to get in as you will be turned away.

lowercased:
we only sell full festival passes to tiny lights due to our limited capacity. we love to have everyone here for the whole weekend helping us co-create the best festival experience.
can i sell or give my ticket to someone else?
tickets are transferable but the ticket seller must forward us the initial confirmation email they received with the ticket buyer ccd in on the message. we will change the name on our will call list. passes are issued by name and confirmation number at the gate and id must be presented to receive a wristband.
as clearly stated on our ticket purchase page, tickets to tiny lights are non-refundable. please see our facebook ticket exchange page to connect with people wanting to purchase tickets.
will you send me a ticket in the mail?
we do not send out physical tickets to tiny lights. a confirmation code is sent after your online purchase which is to be brought to the gate along with id to claim your festival pass and receive your wristband.
is camping included in my festival pass?
camping is not included in your festival pass and must be purchased separately. please see our camping faq page for more info on camping.
if i buy multiple tickets for myself and others how can i get them at the gate?
if you purchase multiple tickets under one name, that number will be listed at the gate and if you do not all arrive at the same time, each person will need to have the confirmation code.
you can pick up your pass and receive your wristband at the ticket booth when you arrive onsite with your confirmation code. please see our festival faq page for ticket booth hours.
are children free and do they get a wristband?
children 12 and under are free and will be given a wristband at check in.
are there youth tickets available?
tiny lights does have a specific youth pass for people aged 13-18. if the festival is sold out, there will be no youth passes available at the gate.
you will need photo id to pick up your passes at the ticket booth.
the website says you are sold out, can i still get a ticket?
if the website says tickets are sold out, you will not be able to purchase a ticket for the festival. there may be people selling their tickets on our ticket exchange facebook page.
i know you're sold out but will there be day tickets available?
if full festival tickets are sold out, there will be no day tickets available. we are tiny festival with limited capacity venues and seats must be reserved for those with full festival passes.
i know you're sold out but will there be tickets at the gate?
if festival passes are sold out there will be no tickets available at the gate, please do not arrive on site expecting to get in as you will be turned away.


text:
Welcome to our website. We are using it to keep friends updated in one place. We appreciate your support and words of hope and encouragement. Thank you for visiting.
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welcome to our website. we are using it to keep friends updated in one place. we appreciate your support and words of hope and encouragement. thank you for visiting.
to interact with flavia’s website, sign in or register today.