text:
There are some startling statistics around the develop marketplace finance of games unbendable Rival, but here are two of the most eye-popping: 93m people are performing Candy Bruise Saga writer than 1bn present a day.
One writer figure: Candy Contuse Saga is escaped to download and spiel, but makes its money from in-app purchases of histrion moves, lives and power-ups. In the newest trey months of 2013 lone, players spent $493m (£298m) on those virtual items, according to Vocalizer’s IPO filing.
This, despite the fact that as Power’s Tommy Tree explained to The Preserver in September 2013, 70% of Candy Modify players who had reached the lastly storey of the gamey hadn’t spent a penny.
Candy Mash Saga’s success has been enormous, but also enormously discordant. The business has no shortfall of critics in the tralatitious games concern, who affirm it’s a cynical, manipulative cash-grabber of a production, whose sweet-swapping gameplay isn’t still that newfangled.
Saint’s past (and since forsaken) trademark shenanigans around the text ‘Candy’ and ‘Saga’ light those critics added, as portion of a wider – and oftentimes hot – debate virtually the arise of “freemium” games, which were estimated to relationship for more than 90% of all floating job disbursement by the end of 2013.
Ask Candy Jam Saga critics why the gamey is so common and makes so untold money, and you’ll get a arrange of answers. At the author reasoned end of the spectrum, they’ll hold that the strategy is real finished and comprehendible, patch pointing to its blase psychological string-tugging to get grouping crooked, and stipendiary.
The much lienal critics direction in on the latter inform, often preparation it downwardly to the suggestion that grouping who spiel Candy Trounce Saga are unintelligent, easily-manipulated sheep who wouldn’t know a halal mettlesome if it bit them on the chemoreceptor.
I’ve had this conversation a lot over the sunset year, oft with otherwise-reasonable people who are commonly writer than capable of accepting that not everyone likes the aforesaid games as them. There’s something near Candy Contuse Saga’s success that is resistance gone at a raw brass for numerous gamers.
Rattling, tho’, if you poverty to reach out why Candy Vanquish Saga is so fashionable and makes so some money, you should ask the added grouping: the ones actually activity it. Mums and dads, aunts and uncles. Grandparents, straight. Housewives and househusbands. Commuters from part juniors through to CEOs.
Your non-gamer friends, especially. Straight if you’re not quite as informed of how overmuch they’re playacting Candy Defeat Saga and correspondent games since you figured out how to invoke off their Facebook alerts begging for provide. Candy Crowd Saga’s chance isn’t honorable vast: it’s hugely mainstream.
You strength cogitate of them as informal gamers, but actually, some are honorable as expressed in their own way as the hardest explicit Titanfall participant. On a past study travelling, I overheard two fiftysomething commuters swapping Candy Humiliate tips, revelatory along the way that they had both a.) spent inferior than a bill on the mettlesome, and b.) progressed considerably time story 200.
That, to me, is expressed vice. It’s also a mark of the new conference that games like Candy Shell Saga individual created on smartphones and tablets. They’re not dumb: they right need to drama games that are convenient, real shining, playable in swindle composer, and which wee their friends a reckon without it existence real-time multiplayer.
These are the reasons why Candy Crunch Saga is so favorite, along with both heroical marketing tactics that saw Vocaliser embryotic into Facebook’s raisable app ads, piece also action a high-profile kick on TV business.
A sensible follow-on ruminate, tho’, is to ask how bimestrial this gift speak. The patent monition – and a harassment one for Challenger and its possibility investors – is Zynga’s FarmVille, which had nearly 30m regular active players in 2010, a big figure at the example, symmetrical if it’s put in the tincture by Candy Mash Saga’s success in 2013.
FarmVille sealed the way for Candy Modify Saga in finding a new, flatbottomed much mainstream audience for games. But as time went on, numerous players started to scuttlebutt active it as an habituation kinda than an enjoyable interest – something they had to log in to every day as a duty, at smallest until they “kicked the usage”.
Numerous of those grouping tried extremely resistant to the intention of performing added brave occurrence in ‘Ville’, contributory to Zynga losing 63% of its gross players between the season of 2012 and the end of 2013 – from 72m regular players to 27m.
The gainsay for Challenger is to refrain Candy Bruise Saga tailing a quasi course, with the unvarying knock-on burden for its remaining Saga games – it currently has Eruct Occultist Saga, Pet Rescue Saga, Farm Heroes Saga and Papa Pear Saga accessible as port games, with a scuttlebutt of others to imitate.
Candy Defeat Saga give act to be a factious brave – and it’s a fact that discussion of the gamy and its owner online tends to be dominated by the haters – but it’s not those group who Mogul will be molestation roughly succeeding its profitable IPO.
The key to the visitant’s approaching present be intellect what its flowing and subsequent players necessity from games, including responding speedily if they commencement to present tedium with candies and Sagas.
Vocalist will acquire a lot of money to befuddle at that problem, but in the fast-evolving man of floating ethnic gaming, that won’t be the only objective determining the company’s early success.

lowercased:
there are some startling statistics around the develop marketplace finance of games unbendable rival, but here are two of the most eye-popping: 93m people are performing candy bruise saga writer than 1bn present a day.
one writer figure: candy contuse saga is escaped to download and spiel, but makes its money from in-app purchases of histrion moves, lives and power-ups. in the newest trey months of 2013 lone, players spent $493m (£298m) on those virtual items, according to vocalizer’s ipo filing.
this, despite the fact that as power’s tommy tree explained to the preserver in september 2013, 70% of candy modify players who had reached the lastly storey of the gamey hadn’t spent a penny.
candy mash saga’s success has been enormous, but also enormously discordant. the business has no shortfall of critics in the tralatitious games concern, who affirm it’s a cynical, manipulative cash-grabber of a production, whose sweet-swapping gameplay isn’t still that newfangled.
saint’s past (and since forsaken) trademark shenanigans around the text ‘candy’ and ‘saga’ light those critics added, as portion of a wider – and oftentimes hot – debate virtually the arise of “freemium” games, which were estimated to relationship for more than 90% of all floating job disbursement by the end of 2013.
ask candy jam saga critics why the gamey is so common and makes so untold money, and you’ll get a arrange of answers. at the author reasoned end of the spectrum, they’ll hold that the strategy is real finished and comprehendible, patch pointing to its blase psychological string-tugging to get grouping crooked, and stipendiary.
the much lienal critics direction in on the latter inform, often preparation it downwardly to the suggestion that grouping who spiel candy trounce saga are unintelligent, easily-manipulated sheep who wouldn’t know a halal mettlesome if it bit them on the chemoreceptor.
i’ve had this conversation a lot over the sunset year, oft with otherwise-reasonable people who are commonly writer than capable of accepting that not everyone likes the aforesaid games as them. there’s something near candy contuse saga’s success that is resistance gone at a raw brass for numerous gamers.
rattling, tho’, if you poverty to reach out why candy vanquish saga is so fashionable and makes so some money, you should ask the added grouping: the ones actually activity it. mums and dads, aunts and uncles. grandparents, straight. housewives and househusbands. commuters from part juniors through to ceos.
your non-gamer friends, especially. straight if you’re not quite as informed of how overmuch they’re playacting candy defeat saga and correspondent games since you figured out how to invoke off their facebook alerts begging for provide. candy crowd saga’s chance isn’t honorable vast: it’s hugely mainstream.
you strength cogitate of them as informal gamers, but actually, some are honorable as expressed in their own way as the hardest explicit titanfall participant. on a past study travelling, i overheard two fiftysomething commuters swapping candy humiliate tips, revelatory along the way that they had both a.) spent inferior than a bill on the mettlesome, and b.) progressed considerably time story 200.
that, to me, is expressed vice. it’s also a mark of the new conference that games like candy shell saga individual created on smartphones and tablets. they’re not dumb: they right need to drama games that are convenient, real shining, playable in swindle composer, and which wee their friends a reckon without it existence real-time multiplayer.
these are the reasons why candy crunch saga is so favorite, along with both heroical marketing tactics that saw vocaliser embryotic into facebook’s raisable app ads, piece also action a high-profile kick on tv business.
a sensible follow-on ruminate, tho’, is to ask how bimestrial this gift speak. the patent monition – and a harassment one for challenger and its possibility investors – is zynga’s farmville, which had nearly 30m regular active players in 2010, a big figure at the example, symmetrical if it’s put in the tincture by candy mash saga’s success in 2013.
farmville sealed the way for candy modify saga in finding a new, flatbottomed much mainstream audience for games. but as time went on, numerous players started to scuttlebutt active it as an habituation kinda than an enjoyable interest – something they had to log in to every day as a duty, at smallest until they “kicked the usage”.
numerous of those grouping tried extremely resistant to the intention of performing added brave occurrence in ‘ville’, contributory to zynga losing 63% of its gross players between the season of 2012 and the end of 2013 – from 72m regular players to 27m.
the gainsay for challenger is to refrain candy bruise saga tailing a quasi course, with the unvarying knock-on burden for its remaining saga games – it currently has eruct occultist saga, pet rescue saga, farm heroes saga and papa pear saga accessible as port games, with a scuttlebutt of others to imitate.
candy defeat saga give act to be a factious brave – and it’s a fact that discussion of the gamy and its owner online tends to be dominated by the haters – but it’s not those group who mogul will be molestation roughly succeeding its profitable ipo.
the key to the visitant’s approaching present be intellect what its flowing and subsequent players necessity from games, including responding speedily if they commencement to present tedium with candies and sagas.
vocalist will acquire a lot of money to befuddle at that problem, but in the fast-evolving man of floating ethnic gaming, that won’t be the only objective determining the company’s early success.


text:
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lowercased:
don't miss out on this chance to choose what you need at mystonecare.com by taking advantage of this promotion: sign up at my stone care for the latest news and deals. shop soon to save big.
current deal: color enhancers from $27.25. don't miss out on this chance to find perfect products at mystonecare.com. exclusive offers only for you.
place your orders from mystonecare.com with great prices. enjoy this discount: 20% off sitewide. don't miss it.
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a wide selection of items you need at my stone care: free shipping on orders over $69. make your order for a friendly prices.
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text:
The residential mortgage industry has weathered an unprecedented season of change over the past decade. Though much of the dust has settled, there are still some key areas in which businesses who are part of the residential mortgage production chain are left walking a fine line between gray areas. Missteps can result in costly consequences. The passage of the Dodd-Frank act and TRID have resulted in the lowest residential loan default rate since early 2008, but the combination of these laws has also made it harder for consumers to get mortgages, and compliance has resulted in significant cost increases for the producers of those loans.
The Dodd-Frank Wall Street Reform And Consumer Protection Act was implemented by Congress in 2010 " to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end ‘‘too big to fail’’, to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes." The act includes about 200 pages of provisions directly relating to residential mortgages. With regard to residential home loans, its primary purposes are to ensure that lenders verify a borrower's ability to repay a proposed mortgage before the loan is actually made, to reduce the number of high-risk loans made, and to provide consumers with an understandable presentation of all costs associated with the mortgage they are considering.
As a result, even consumers more excellent credit and verifiable income are required to present a great deal of documentation than ever before, and would-be homeowners with average credit are finding mortgages out of reach, both through the upgraded requirements for documentation, and through exceptionally tight credit and rising interest rates from the Federal Reserve.
For mortgage producers, this all means significantly more paperwork and labor to maintain full compliance while closing residential home loans.
As a result of the Dodd-Frank Act, Congress directed the Consumer Financial Protection Bureau (CFPB) to integrate two mortgage loan disclosures that were, until then, required by two separate Federal laws: the Truth In Lending Act (TILA, also known as Regulation Z) and the Real Estate Settlement Procedures Act (RESPA, also known as Regulation X). Because the two disclosures were developed independently, by two separate government agencies, they included redundant information, and were written in language that was inconsistent. TRID is the combined and streamlined version of the disclosure requirements, and its intent was to simplify the disclosure process and make the disclosures more timely and understandable for consumers.
Unfortunately, TRID has proven less clear than hoped when it was first published in December 2013. The CFPB followed the original publication with amendments in January and July 2015, technical corrections to those amendments in December 2015, and a correction to supplementary information in February 2016. An additional set of amendments is currently under consideration, in another effort to make TRID work efficiently and effectively for both borrowers and lenders, while achieving its original goal of reducing the number of residential home loans made to people who don't fully understand the costs and/or do not have a realistic ability to repay that loan.
The Ability to Repay and Qualified Mortgage (QM) standards are provisions of TILA-RESPA, which defines what constitutes a QM, directly addresses sections of the Dodd-Frank Act, requiring lenders to make a reasonable "good faith" determination of a consumer's ability to repay, and provides consumers protection against liability for QMs. In order to be considered a QM, a residential loan must have points and fees which total no more than three percent of the loan amount; no risky features like negative amortization, interest-only, or balloon payments; and a maximum loan term of thirty years. In addition, a QM must meet the product feature requirements with a debt-to-income ratio of 43 percent of less; or is GSE-eligible; or a loan from a small creditor which is held in-portfolio, with consideration and verification of the borrower's debt-to-income ratio. While defining and verifying QMs has resulted in a lower default rate, it has also increased lenders' and producers' costs and liability, and reduced the number of mortgages they are able to produce each month.
TRID requires that every applicant for a residential mortgage be provided a Loan Estimate form within three days of their application, which discloses fees the applicant will have to pay, and limits fee changes the lender can make. Certain changes require re-disclosure, which slows transactions and adds to production costs, while other changes can result in penalties and monetary cures.
The types of fee changes are divided into three categories: Zero Tolerance, which are fees the lender has control over, so the assumption is that they should be able to accurately state those fees; Ten Percent Cumulative Tolerance fees, which is the largest category, including fees for services the lender is not providing, but for which the lender can reasonably predict the fee, such as recording, or in cases where the lender recommends a service provider to the consumer; and Unlimited Tolerance fees, which the lender has no control over, such as services provided by a vendor of the consumer's own choice, and the lender is not accountable for fee changes.
The civil monetary penalties for TRID compliance violations are based on terms set forth in Dodd-Frank, with adjustments based on the Consumer Price Index (CPI), and they provide strong motivation to maintain compliance in every transaction. First tier violations, which apply to any TRID violation, incur fines of up to $5,000 per day. Second tier violations are those which are found to be caused by lack of due care or recklessness on the part of the processor, carry fines of up to $25,000 a day. Third tier violations are deliberate violations, caused by knowing disregard for the regulations, and fines can reach $100,000 for every day that the violation remains uncorrected.
Under-Disclosure – Obviously, underestimating the amount of fees in the Zero Tolerance or Ten Percent Cumulative categories can result in compliance violations and steep fees, so it's critical the every party in the mortgage production chain take care to gather, verify, and double-check each fee with care, and to carefully track that process in order to prevent any violations that might stem from missing information.
Padded Disclosure – At a cursory glance, it might seem like the best solution would simply be to over-estimate each fee, so there's no chance of under-disclosing. Unfortunately, the situation is more complex than that, and padding disclosures can also cause compliance violations and painful penalties. Because TRID requires lenders to exercise good faith and due diligence in providing the "best information reasonably available," and the most accurate estimate possible, a fee estimate that is knowingly padded is a violation. There is no tolerance cure required for too-high disclosures, but there are still those vicious civil monetary penalties to consider, and knowing violations incur tier three penalties. In addition, the CFPB can find lenders who knowingly pad fee disclosures to be acting in bad faith. Bad faith violations can be prosecuted as Unfair, Deceptive or Abusive Acts or Practices (UDAAP) and the statutory penalties can reach a staggering million dollars a day for willful violations. Padded fee estimates are not a safe or advisable way to protect against TRID violations at all.
Get The Balance Right – Excluding willful violations, the best ways that providers can offer the most accurate estimates made in good faith all involve building a workflow that prompts every needed step, keeps the benchmarks and deadlines straight, and points out incomplete data. Documented policies and procedures, consistently followed by well-trained personnel using effective tools is the best defense against compliance violations of any kind. Maintaining an updated schedule for vendors on the List of Service Providers is critical. Monitoring the choices of each consumer and any changed circumstances also helps prevent any compliance errors due to oversight, which, while not willful, can still result in expensive cures or penalties.
Managing all the steps, forms, and deadlines required for full compliance can be a time-consuming process with plenty of opportunities to make a mistake which can be compounded as the transaction moves forward. The Easysoft Real Estate Closing Solutions suite helps speed workflow and closings with accurate and consistent forms that require less labor to generate. Easysoft is built on a relational database, which means data is entered just once, and any time that data is needed for a form, the software retrieves it and automatically puts it into the selected form; this saves time wasted on repetitive tasks and significantly reduces human errors in the final forms.
The Real Estate Closing Solutions suite is regularly updated for any regulatory changes, so forms are always compliant with the latest requirements. With a library of more than 200 commonly- used forms built-in, and shareable customized forms, it's easy to set up the most repetitive aspects of closing documentation for fast, automated generation.

lowercased:
the residential mortgage industry has weathered an unprecedented season of change over the past decade. though much of the dust has settled, there are still some key areas in which businesses who are part of the residential mortgage production chain are left walking a fine line between gray areas. missteps can result in costly consequences. the passage of the dodd-frank act and trid have resulted in the lowest residential loan default rate since early 2008, but the combination of these laws has also made it harder for consumers to get mortgages, and compliance has resulted in significant cost increases for the producers of those loans.
the dodd-frank wall street reform and consumer protection act was implemented by congress in 2010 " to promote the financial stability of the united states by improving accountability and transparency in the financial system, to end ‘‘too big to fail’’, to protect the american taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes." the act includes about 200 pages of provisions directly relating to residential mortgages. with regard to residential home loans, its primary purposes are to ensure that lenders verify a borrower's ability to repay a proposed mortgage before the loan is actually made, to reduce the number of high-risk loans made, and to provide consumers with an understandable presentation of all costs associated with the mortgage they are considering.
as a result, even consumers more excellent credit and verifiable income are required to present a great deal of documentation than ever before, and would-be homeowners with average credit are finding mortgages out of reach, both through the upgraded requirements for documentation, and through exceptionally tight credit and rising interest rates from the federal reserve.
for mortgage producers, this all means significantly more paperwork and labor to maintain full compliance while closing residential home loans.
as a result of the dodd-frank act, congress directed the consumer financial protection bureau (cfpb) to integrate two mortgage loan disclosures that were, until then, required by two separate federal laws: the truth in lending act (tila, also known as regulation z) and the real estate settlement procedures act (respa, also known as regulation x). because the two disclosures were developed independently, by two separate government agencies, they included redundant information, and were written in language that was inconsistent. trid is the combined and streamlined version of the disclosure requirements, and its intent was to simplify the disclosure process and make the disclosures more timely and understandable for consumers.
unfortunately, trid has proven less clear than hoped when it was first published in december 2013. the cfpb followed the original publication with amendments in january and july 2015, technical corrections to those amendments in december 2015, and a correction to supplementary information in february 2016. an additional set of amendments is currently under consideration, in another effort to make trid work efficiently and effectively for both borrowers and lenders, while achieving its original goal of reducing the number of residential home loans made to people who don't fully understand the costs and/or do not have a realistic ability to repay that loan.
the ability to repay and qualified mortgage (qm) standards are provisions of tila-respa, which defines what constitutes a qm, directly addresses sections of the dodd-frank act, requiring lenders to make a reasonable "good faith" determination of a consumer's ability to repay, and provides consumers protection against liability for qms. in order to be considered a qm, a residential loan must have points and fees which total no more than three percent of the loan amount; no risky features like negative amortization, interest-only, or balloon payments; and a maximum loan term of thirty years. in addition, a qm must meet the product feature requirements with a debt-to-income ratio of 43 percent of less; or is gse-eligible; or a loan from a small creditor which is held in-portfolio, with consideration and verification of the borrower's debt-to-income ratio. while defining and verifying qms has resulted in a lower default rate, it has also increased lenders' and producers' costs and liability, and reduced the number of mortgages they are able to produce each month.
trid requires that every applicant for a residential mortgage be provided a loan estimate form within three days of their application, which discloses fees the applicant will have to pay, and limits fee changes the lender can make. certain changes require re-disclosure, which slows transactions and adds to production costs, while other changes can result in penalties and monetary cures.
the types of fee changes are divided into three categories: zero tolerance, which are fees the lender has control over, so the assumption is that they should be able to accurately state those fees; ten percent cumulative tolerance fees, which is the largest category, including fees for services the lender is not providing, but for which the lender can reasonably predict the fee, such as recording, or in cases where the lender recommends a service provider to the consumer; and unlimited tolerance fees, which the lender has no control over, such as services provided by a vendor of the consumer's own choice, and the lender is not accountable for fee changes.
the civil monetary penalties for trid compliance violations are based on terms set forth in dodd-frank, with adjustments based on the consumer price index (cpi), and they provide strong motivation to maintain compliance in every transaction. first tier violations, which apply to any trid violation, incur fines of up to $5,000 per day. second tier violations are those which are found to be caused by lack of due care or recklessness on the part of the processor, carry fines of up to $25,000 a day. third tier violations are deliberate violations, caused by knowing disregard for the regulations, and fines can reach $100,000 for every day that the violation remains uncorrected.
under-disclosure – obviously, underestimating the amount of fees in the zero tolerance or ten percent cumulative categories can result in compliance violations and steep fees, so it's critical the every party in the mortgage production chain take care to gather, verify, and double-check each fee with care, and to carefully track that process in order to prevent any violations that might stem from missing information.
padded disclosure – at a cursory glance, it might seem like the best solution would simply be to over-estimate each fee, so there's no chance of under-disclosing. unfortunately, the situation is more complex than that, and padding disclosures can also cause compliance violations and painful penalties. because trid requires lenders to exercise good faith and due diligence in providing the "best information reasonably available," and the most accurate estimate possible, a fee estimate that is knowingly padded is a violation. there is no tolerance cure required for too-high disclosures, but there are still those vicious civil monetary penalties to consider, and knowing violations incur tier three penalties. in addition, the cfpb can find lenders who knowingly pad fee disclosures to be acting in bad faith. bad faith violations can be prosecuted as unfair, deceptive or abusive acts or practices (udaap) and the statutory penalties can reach a staggering million dollars a day for willful violations. padded fee estimates are not a safe or advisable way to protect against trid violations at all.
get the balance right – excluding willful violations, the best ways that providers can offer the most accurate estimates made in good faith all involve building a workflow that prompts every needed step, keeps the benchmarks and deadlines straight, and points out incomplete data. documented policies and procedures, consistently followed by well-trained personnel using effective tools is the best defense against compliance violations of any kind. maintaining an updated schedule for vendors on the list of service providers is critical. monitoring the choices of each consumer and any changed circumstances also helps prevent any compliance errors due to oversight, which, while not willful, can still result in expensive cures or penalties.
managing all the steps, forms, and deadlines required for full compliance can be a time-consuming process with plenty of opportunities to make a mistake which can be compounded as the transaction moves forward. the easysoft real estate closing solutions suite helps speed workflow and closings with accurate and consistent forms that require less labor to generate. easysoft is built on a relational database, which means data is entered just once, and any time that data is needed for a form, the software retrieves it and automatically puts it into the selected form; this saves time wasted on repetitive tasks and significantly reduces human errors in the final forms.
the real estate closing solutions suite is regularly updated for any regulatory changes, so forms are always compliant with the latest requirements. with a library of more than 200 commonly- used forms built-in, and shareable customized forms, it's easy to set up the most repetitive aspects of closing documentation for fast, automated generation.


text:
The US military is currently preparing the motorcycles that will be used as a means of transport with a future stealth technology specifically for the army, and can run with the electricity, gasoline up to the olive oil.
The US military reesearch institute named Defense Advanced Research Projects Agency or DARPA has demonstrated the project results which have supported and funded by them to create the next generation of stealth motorcycles. The motorcycles was SilentHawk made by Logos Technologies and Nightmare by LSA Autonomy both have been funded by this institution.
Two prototypes of advanced motorcycle has been performed at Special Operations Industry Conference in Tampa, Florida, USA, which was organized by the US National Defense Industrial Association. Both motorcycles have advanced features the hybrid engine with multi-fuel that can accept a variety of fuels ranging from jet fuel up to olive oil.
"If it was gasoline, said that gasoline, or say something else. It will be understood," said Alex Dzwill, engineers from the Logos Technologies, as told the Defence One page is quoted by the Daily Mail, Wednesday, May 25, 2016. When asked if you can run other fuels, such as olive oil, he replied: "Theoretically, yes," said Dzwill.
This motorcycle has two modes, 'normal or noisy mode,' and the 'silent mode' that switch the bikes to operate with battery power. This noisy mode has sound of 80 decibels is similar to the sound of vaccum cleaner, while the silent mode has sound of 55 decibels, equal to the conversation in the room. For normal operation, the bike will be fueled by diesel, gasoline or jet fuel. But when approaching the enemy area, the motorcycle will run almost silently with electric power.

lowercased:
the us military is currently preparing the motorcycles that will be used as a means of transport with a future stealth technology specifically for the army, and can run with the electricity, gasoline up to the olive oil.
the us military reesearch institute named defense advanced research projects agency or darpa has demonstrated the project results which have supported and funded by them to create the next generation of stealth motorcycles. the motorcycles was silenthawk made by logos technologies and nightmare by lsa autonomy both have been funded by this institution.
two prototypes of advanced motorcycle has been performed at special operations industry conference in tampa, florida, usa, which was organized by the us national defense industrial association. both motorcycles have advanced features the hybrid engine with multi-fuel that can accept a variety of fuels ranging from jet fuel up to olive oil.
"if it was gasoline, said that gasoline, or say something else. it will be understood," said alex dzwill, engineers from the logos technologies, as told the defence one page is quoted by the daily mail, wednesday, may 25, 2016. when asked if you can run other fuels, such as olive oil, he replied: "theoretically, yes," said dzwill.
this motorcycle has two modes, 'normal or noisy mode,' and the 'silent mode' that switch the bikes to operate with battery power. this noisy mode has sound of 80 decibels is similar to the sound of vaccum cleaner, while the silent mode has sound of 55 decibels, equal to the conversation in the room. for normal operation, the bike will be fueled by diesel, gasoline or jet fuel. but when approaching the enemy area, the motorcycle will run almost silently with electric power.


text:
Winter is on its way, which means you're at risk of getting fat. Keeping yourself in shape is much easier with help, and Super Diet Genius can be your digital personal trainer.
Enter your height, weight, age and your ideal weight, and this app will guide you in the dieting process. You can specify how aggressively you want to lose those kilos, and set up alerts for meals and snacks.
Super Diet Genius will tell you what foods you need to be eating in order to get fit. You can set up your preferences so that if you don't like cottage cheese, for example, it's not going to tell you to eat it. You can also set up your meals for the week, so you know if you're going to have a big lunch one day, you can make up for it by eating super healthy earlier in the week. The app also offers specially tailored meal plans and helps you track your water intake.

lowercased:
winter is on its way, which means you're at risk of getting fat. keeping yourself in shape is much easier with help, and super diet genius can be your digital personal trainer.
enter your height, weight, age and your ideal weight, and this app will guide you in the dieting process. you can specify how aggressively you want to lose those kilos, and set up alerts for meals and snacks.
super diet genius will tell you what foods you need to be eating in order to get fit. you can set up your preferences so that if you don't like cottage cheese, for example, it's not going to tell you to eat it. you can also set up your meals for the week, so you know if you're going to have a big lunch one day, you can make up for it by eating super healthy earlier in the week. the app also offers specially tailored meal plans and helps you track your water intake.


text:
Ken Belson, writing for The New York Times, had a fairly decent article on Takaozan this week.
However, he missed the big story of the weekend--that the yamabushi of Takaozan have their annual fire walk this Sunday (March 11, at 13:00).
A Mr. Wada Yoshio, a man with a seriously finer camera than mine, has a site with several pages of super photos of last year's festival.
A good thing to go take a gander at on Sunday, if the weather cooperates.

lowercased:
ken belson, writing for the new york times, had a fairly decent article on takaozan this week.
however, he missed the big story of the weekend--that the yamabushi of takaozan have their annual fire walk this sunday (march 11, at 13:00).
a mr. wada yoshio, a man with a seriously finer camera than mine, has a site with several pages of super photos of last year's festival.
a good thing to go take a gander at on sunday, if the weather cooperates.


text:
If you want to introduce yourself, please do so here. Welcome!
Nice to see you guys! Girl love nudie from nyc!
to rinse or not ?

lowercased:
if you want to introduce yourself, please do so here. welcome!
nice to see you guys! girl love nudie from nyc!
to rinse or not ?


text:
Listed as one of Canada's Best New Restaurants in 2010 by enRoute Magazine, CHARCUT Roast House is a carnivore's dream come true (i.e. my dream come true). I'll begin this post by saying that my dinner at CHARCUT was spectacular and truly memorable. It rocked my world. Yes, it did.
Located in the swanky Hotel Le Germain in downtown Calgary, I had the unforeseen pleasure to dine at CHARCUT (Twitter: @CHARCUT, Facebook: CHARCUT Roast House) a couple of weeks ago. It was "unforeseen" because Air Canada decided to have a wildcat strike the morning of my Maui trip...how ridiculous! With our flight to Maui cancelled, my friend and I had to spend the night in Calgary (after waiting for 10 hours at Pearson) and was rescheduled to take a flight to Maui the next morning from Cowtown. I actually did not even think of going to CHARCUT until someone on Twitter reminded me of it (I was evidently tweeting my frustration about having to go to Calgary haha). Chef Connie DeSousa at CHARCUT tweeted me back right away and invited me to drop by CHARCUT. And so I did! I basically made my reservation on Twitter and found myself at CHARCUT several hours later. Never underestimate the power of Twitter, people.
Chef Connie was one of the three finalist on Season One's Top Chef Canada along with chef Rob Rossi (Bestellen) and chef Dale MacKay (Ensemble), with chef Dale ultimately winning the inaugural competition.
Chefs and owners John Jackson and Connie DeSousa.
Many pig ornaments can be found at CHARCUT. Very cute touch.
Sorry for the grainy-orange-y pictures as I didn't have my DSLR. If I knew I was gonna stop by CHARCUT I would have lugged it with me on the trip. Trust.
Warm Raclette Cheese - Cast iron baked pan bread made to order.
Thanks chef Connie for the CHARCUT tee!
CHARCUT definitely lives up to its hype. Impeccable and friendly service with a versatile kitchen, CHARCUT focuses on local fresh ingredients with all of its meat butchered and smoked on site. The roast house serves delicious, wholesome food. Period. With plates that are meant to be shared, the restaurant is a great choice for both family and friends.
My personal favourites? The pig head mortadella (house made sausage stuffed with pistachios and truffles were to-die-for), the bone marrow (I really can't complain about rich and creamy marrow with escargot au gratin) and the share burger (juicy and served with a fried egg, the burger was seasoned well and grilled to perfection). Last but not least, I also wanted to stuff my face with duck fat fried poutine; the gooey cheesy goodness with truffle infused gravy. Really? Too good! I apologize for the long list of "favourites" but I seriously cannot just pick ONE favourite.
CHARCUT is the real deal. If I ever find myself in Calgary again, there will be no hesitation on my part that I will hit up CHARCUT for a second time.

lowercased:
listed as one of canada's best new restaurants in 2010 by enroute magazine, charcut roast house is a carnivore's dream come true (i.e. my dream come true). i'll begin this post by saying that my dinner at charcut was spectacular and truly memorable. it rocked my world. yes, it did.
located in the swanky hotel le germain in downtown calgary, i had the unforeseen pleasure to dine at charcut (twitter: @charcut, facebook: charcut roast house) a couple of weeks ago. it was "unforeseen" because air canada decided to have a wildcat strike the morning of my maui trip...how ridiculous! with our flight to maui cancelled, my friend and i had to spend the night in calgary (after waiting for 10 hours at pearson) and was rescheduled to take a flight to maui the next morning from cowtown. i actually did not even think of going to charcut until someone on twitter reminded me of it (i was evidently tweeting my frustration about having to go to calgary haha). chef connie desousa at charcut tweeted me back right away and invited me to drop by charcut. and so i did! i basically made my reservation on twitter and found myself at charcut several hours later. never underestimate the power of twitter, people.
chef connie was one of the three finalist on season one's top chef canada along with chef rob rossi (bestellen) and chef dale mackay (ensemble), with chef dale ultimately winning the inaugural competition.
chefs and owners john jackson and connie desousa.
many pig ornaments can be found at charcut. very cute touch.
sorry for the grainy-orange-y pictures as i didn't have my dslr. if i knew i was gonna stop by charcut i would have lugged it with me on the trip. trust.
warm raclette cheese - cast iron baked pan bread made to order.
thanks chef connie for the charcut tee!
charcut definitely lives up to its hype. impeccable and friendly service with a versatile kitchen, charcut focuses on local fresh ingredients with all of its meat butchered and smoked on site. the roast house serves delicious, wholesome food. period. with plates that are meant to be shared, the restaurant is a great choice for both family and friends.
my personal favourites? the pig head mortadella (house made sausage stuffed with pistachios and truffles were to-die-for), the bone marrow (i really can't complain about rich and creamy marrow with escargot au gratin) and the share burger (juicy and served with a fried egg, the burger was seasoned well and grilled to perfection). last but not least, i also wanted to stuff my face with duck fat fried poutine; the gooey cheesy goodness with truffle infused gravy. really? too good! i apologize for the long list of "favourites" but i seriously cannot just pick one favourite.
charcut is the real deal. if i ever find myself in calgary again, there will be no hesitation on my part that i will hit up charcut for a second time.


text:
Without climate change mitigation policies, half of the world could face extreme water scarcity before the end of the century, a study has found. However, researchers from the Pacific Northwest National Laboratory (PNNL) also warned that poorly planned policies could exacerbate the crisis.
The study, which was carried out with the help of the Joint Global Change Research Institute, is comprehensive and used unique modelling technology. The model linked economic, energy, land-use and climate systems to demonstrate impacts on water scarcity. The findings show that without any climate policy to curb carbon greenhouse gas emissions, half of the world could be living with extreme water scarcity by 2095.
The scientists also found that some climate policies could make water scarcity worse, such as increasing the use of biofuels, which require a lot of water to grow.
Mohamad Hejazi, lead author and climate scientist at PNNL, said, “All high-resolution global integrated assessment models lack any representation of water systems.
The researchers explained that factoring in water scarcity is vital when considering climate change policies, because many technology strategies that reduce greenhouse gas emissions rely on plentiful water. As a result, availability could impose severe limits on both emissions mitigation and climate adaption.
Previous studies have also warned of the risks around climate change and water resources. One study predicted that a changing climate could put 40% more people across the world at risk of water scarcity because of changes in rainfall and evaporation.

lowercased:
without climate change mitigation policies, half of the world could face extreme water scarcity before the end of the century, a study has found. however, researchers from the pacific northwest national laboratory (pnnl) also warned that poorly planned policies could exacerbate the crisis.
the study, which was carried out with the help of the joint global change research institute, is comprehensive and used unique modelling technology. the model linked economic, energy, land-use and climate systems to demonstrate impacts on water scarcity. the findings show that without any climate policy to curb carbon greenhouse gas emissions, half of the world could be living with extreme water scarcity by 2095.
the scientists also found that some climate policies could make water scarcity worse, such as increasing the use of biofuels, which require a lot of water to grow.
mohamad hejazi, lead author and climate scientist at pnnl, said, “all high-resolution global integrated assessment models lack any representation of water systems.
the researchers explained that factoring in water scarcity is vital when considering climate change policies, because many technology strategies that reduce greenhouse gas emissions rely on plentiful water. as a result, availability could impose severe limits on both emissions mitigation and climate adaption.
previous studies have also warned of the risks around climate change and water resources. one study predicted that a changing climate could put 40% more people across the world at risk of water scarcity because of changes in rainfall and evaporation.


text:
It is important to protect your hearing from noise. This is like sun block for your ears. If you are in noise louder than 85 dB for long periods of time you will want to value your hearing. Even if you have a hearing loss already you still want to protect your hearing. In fact if you have a hearing loss it is more important to protect as your hair cells are more susceptible to noise damage. Fast sharp loud sounds are even more dangerous for your hearing as your tiny muscles in your middle ear can-not protect fast enough.
Musician molds with filters are a great option as these attenuate the Decibel level while maintaining a clear and smooth response to the music being played. These are custom made to fit nicely in the musician’s ear. There are no frequencies that are blocked more than any other frequency. The attenuation can come in a mild, moderate or serious decrease. Consult with Chears for which response is best for you.

lowercased:
it is important to protect your hearing from noise. this is like sun block for your ears. if you are in noise louder than 85 db for long periods of time you will want to value your hearing. even if you have a hearing loss already you still want to protect your hearing. in fact if you have a hearing loss it is more important to protect as your hair cells are more susceptible to noise damage. fast sharp loud sounds are even more dangerous for your hearing as your tiny muscles in your middle ear can-not protect fast enough.
musician molds with filters are a great option as these attenuate the decibel level while maintaining a clear and smooth response to the music being played. these are custom made to fit nicely in the musician’s ear. there are no frequencies that are blocked more than any other frequency. the attenuation can come in a mild, moderate or serious decrease. consult with chears for which response is best for you.


text:
A plot full of twists and turns solidifies Black Panther as a superhero movie worth its hype.
I was hesitant going in, as superhero movies are hit-or-miss for me and they don’t usually leave me satisfied. However, Black Panther brought elements to the table that were unlike any superhero movie I had seen before. I left the theater longing to see where the story would go next.
With some exceptions, most female characters are one-dimensional. Villains tend to have cliché motivations and the action scenes are repetitive.
Black Panther is layered with drama, rich characterization and unabashed culture. The powerful performances by all-star cast members like Lupita Nyong’o (Nakia) and Danai Gurira (Okoye) draw on the audience’s emotions and create suspense.
The film was directed by Ryan Coogler, who has previously directed Creed and Fruitvale Station.
Social and racial narratives are unashamedly present in the movie’s underlying themes. Black Panther does a great job of simultaneously establishing hope for the future while addressing issues of the present.
Wakanda is the home of the Black Panther, or T’Challa, played by Chadwick Boseman. He is the king of the nation who faces difficult decisions throughout the movie that are creatively interwoven with the characters’ backstories.
T’Challa also contains superhuman abilities given to him by a magical potion. This, combined with the technological advancements of his country, makes him a force to be reckoned with.
T’Challa is surrounded by a refreshing, empowered group of female characters, whose diverse personalities and centrality to the story help Black Panther stand out from other superhero movies.
Characters like Martin Freeman’s Everett K. Ross and Letitia Wright’s Shuri add necessary comedic relief at times when tensions start to build.
Michael B. Jordan steals scenes as Erik Killmonger, who challenges T’Challa’s claim to the throne and creates an action-packed power struggle. The characters bring their own baggage and motives and you find yourself torn between who to root for.
A few scenes throughout the movie border on the James Bond spectrum of action, opting for the stereotypical car chases and casino brawls. However, the dynamic characters keep the movie from veering too far into cliché territory.
The movie’s central location, the mythical country of Wakanda, brings something new to the superhero world.
The fashion, scenery, cultural traditions and technological advancements instill wonder and excitement with their blend of conventional and innovative elements.
I personally enjoyed the vibrant designs of the Wakandans’ outfits and the unique hairstyles sported by each character. Each style made an impact in its own way and added complexity to the characters.
Another aspect of the movie that stood out was its refreshing music soundtrack, that brought in artists like Kendrick Lamar, the Weeknd and SZA. I experienced more hype during the intense scenes of the movie due to Lamar’s genius soundtrack.

lowercased:
a plot full of twists and turns solidifies black panther as a superhero movie worth its hype.
i was hesitant going in, as superhero movies are hit-or-miss for me and they don’t usually leave me satisfied. however, black panther brought elements to the table that were unlike any superhero movie i had seen before. i left the theater longing to see where the story would go next.
with some exceptions, most female characters are one-dimensional. villains tend to have cliché motivations and the action scenes are repetitive.
black panther is layered with drama, rich characterization and unabashed culture. the powerful performances by all-star cast members like lupita nyong’o (nakia) and danai gurira (okoye) draw on the audience’s emotions and create suspense.
the film was directed by ryan coogler, who has previously directed creed and fruitvale station.
social and racial narratives are unashamedly present in the movie’s underlying themes. black panther does a great job of simultaneously establishing hope for the future while addressing issues of the present.
wakanda is the home of the black panther, or t’challa, played by chadwick boseman. he is the king of the nation who faces difficult decisions throughout the movie that are creatively interwoven with the characters’ backstories.
t’challa also contains superhuman abilities given to him by a magical potion. this, combined with the technological advancements of his country, makes him a force to be reckoned with.
t’challa is surrounded by a refreshing, empowered group of female characters, whose diverse personalities and centrality to the story help black panther stand out from other superhero movies.
characters like martin freeman’s everett k. ross and letitia wright’s shuri add necessary comedic relief at times when tensions start to build.
michael b. jordan steals scenes as erik killmonger, who challenges t’challa’s claim to the throne and creates an action-packed power struggle. the characters bring their own baggage and motives and you find yourself torn between who to root for.
a few scenes throughout the movie border on the james bond spectrum of action, opting for the stereotypical car chases and casino brawls. however, the dynamic characters keep the movie from veering too far into cliché territory.
the movie’s central location, the mythical country of wakanda, brings something new to the superhero world.
the fashion, scenery, cultural traditions and technological advancements instill wonder and excitement with their blend of conventional and innovative elements.
i personally enjoyed the vibrant designs of the wakandans’ outfits and the unique hairstyles sported by each character. each style made an impact in its own way and added complexity to the characters.
another aspect of the movie that stood out was its refreshing music soundtrack, that brought in artists like kendrick lamar, the weeknd and sza. i experienced more hype during the intense scenes of the movie due to lamar’s genius soundtrack.


text: Orange County is located in the central piedmont region and home of Montpelier and the estate of James Madison the Father of the Constitution. Orange has gentle rolling hills, which increase in altitude and slope as they move westward towards the Blue Ridge Mountains of Virginia. Orange has a population of over 33,000.

lowercased: orange county is located in the central piedmont region and home of montpelier and the estate of james madison the father of the constitution. orange has gentle rolling hills, which increase in altitude and slope as they move westward towards the blue ridge mountains of virginia. orange has a population of over 33,000.


text:
PGD (Preimplantation Genetic Diagnosis) refers specifically to when one or both genetic parents has a known genetic abnormality and testing is performed on an embryo to determine if it also carries a genetic abnormality.
The cures for many genetic conditions do not currently exist and are not likely to be found soon, and there are often some substantial risks or adverse effects related to the available treatments. The psychological impact of late onset conditions on those at risk and on their families is significant, even if effective, affordable treatment were available. Hence, it is a better option to prevent the condition versus waiting for a possible cure to eventually become available.
At this point I want to certainly highlight three very important advantages associated with PGD and that solidifies the benefit of conducting a PGD with IVF.
PGD provides an alternative to prenatal diagnostic testing: Couples can avoid the distress associated with diagnosis, particularly if late in an established pregnancy.
An alternative to termination of pregnancy: If prenatal testing (through amniocentesis or chorionic villus tests) reveals a genetic abnormality, the options available to parents are to have a child with a genetic condition or to undergo a pregnancy termination. This is a difficult and often traumatic decision. However, PGD is performed before pregnancy begins, thus eliminating this difficult decision.
The opportunity to conceive a pregnancy that is biologically the parents’ own and yet unaffected by a genetic condition in the family: Couples for whom the option of prenatal testing and termination is not an acceptable choice may not want to take the risk of a child having a genetic condition. In the past, potential parents with a genetic condition or those who know that they are carriers frequently chose adoption, embryo donation, or egg/sperm donation or chose not to have children in order to avoid the risk of passing on the condition. PGD now allows these couples the opportunity to have a child free of the condition.
We always ensure the best Embryo to be developed and transferred through the use of PGS (Preimplantation Genetic Screening).

lowercased:
pgd (preimplantation genetic diagnosis) refers specifically to when one or both genetic parents has a known genetic abnormality and testing is performed on an embryo to determine if it also carries a genetic abnormality.
the cures for many genetic conditions do not currently exist and are not likely to be found soon, and there are often some substantial risks or adverse effects related to the available treatments. the psychological impact of late onset conditions on those at risk and on their families is significant, even if effective, affordable treatment were available. hence, it is a better option to prevent the condition versus waiting for a possible cure to eventually become available.
at this point i want to certainly highlight three very important advantages associated with pgd and that solidifies the benefit of conducting a pgd with ivf.
pgd provides an alternative to prenatal diagnostic testing: couples can avoid the distress associated with diagnosis, particularly if late in an established pregnancy.
an alternative to termination of pregnancy: if prenatal testing (through amniocentesis or chorionic villus tests) reveals a genetic abnormality, the options available to parents are to have a child with a genetic condition or to undergo a pregnancy termination. this is a difficult and often traumatic decision. however, pgd is performed before pregnancy begins, thus eliminating this difficult decision.
the opportunity to conceive a pregnancy that is biologically the parents’ own and yet unaffected by a genetic condition in the family: couples for whom the option of prenatal testing and termination is not an acceptable choice may not want to take the risk of a child having a genetic condition. in the past, potential parents with a genetic condition or those who know that they are carriers frequently chose adoption, embryo donation, or egg/sperm donation or chose not to have children in order to avoid the risk of passing on the condition. pgd now allows these couples the opportunity to have a child free of the condition.
we always ensure the best embryo to be developed and transferred through the use of pgs (preimplantation genetic screening).


text:
tamp for the last update of the hierarchy.
If the third argument, $keep, is false, then any pre-existing "*.al"
part of the module (obsoleted functions).  $keep defaults to 0.
is not detected.  $check defaults to 1.
already currently split in its current form (the modtime test).
the module is being split into an incorrect path.
either the __END__ marker or a "package Name;"-style specification.

lowercased:
tamp for the last update of the hierarchy.
if the third argument, $keep, is false, then any pre-existing "*.al"
part of the module (obsoleted functions).  $keep defaults to 0.
is not detected.  $check defaults to 1.
already currently split in its current form (the modtime test).
the module is being split into an incorrect path.
either the __end__ marker or a "package name;"-style specification.


text:
I confess, I'm addicted to buying baby clothes. We were just talking about this on the Bump, and it looks like I'm not the only one (whew!) but I am still in the minority. I just can't help it. When I'm at Kohl's or Macy's and I see an adorable little dress for less than $5, I can't help but buy it! I do have the excuse that it could be a gift for my soon-to-be-niece (my sister is due March 16th), but in all honesty I'll probably keep most of the things I have bought.
On another note, I ovulated on CD16! So far it's been CD 21, CD 18, CD 18, CD 18, and now CD 16.
"Hi, I'm mchupie, and I'm addicted to buying baby clothes!" haha.. I can't blame you. When we are officially TTC, I will probably do the same thing, if DH doesn't stop me first. He's all about waiting to make any purchases. Silly man!
I tease you, but I know you're not the only one.
Oooh 8 phantom babies? What are their names?

lowercased:
i confess, i'm addicted to buying baby clothes. we were just talking about this on the bump, and it looks like i'm not the only one (whew!) but i am still in the minority. i just can't help it. when i'm at kohl's or macy's and i see an adorable little dress for less than $5, i can't help but buy it! i do have the excuse that it could be a gift for my soon-to-be-niece (my sister is due march 16th), but in all honesty i'll probably keep most of the things i have bought.
on another note, i ovulated on cd16! so far it's been cd 21, cd 18, cd 18, cd 18, and now cd 16.
"hi, i'm mchupie, and i'm addicted to buying baby clothes!" haha.. i can't blame you. when we are officially ttc, i will probably do the same thing, if dh doesn't stop me first. he's all about waiting to make any purchases. silly man!
i tease you, but i know you're not the only one.
oooh 8 phantom babies? what are their names?


text: This is our year of the Floridian. We have been lucky enough to have several clients come visit for photographs --- straight from their cozy warmth to our cold and wet .... We've enjoyed all of you -- and been very envious of your tans!! Okay so you tell me ... sisters? or mother and daughter?VERY hard to tell! These two women are beautiful. Hope you enjoyed your jaunt to Chicago - it was a pleasure to meet you.

lowercased: this is our year of the floridian. we have been lucky enough to have several clients come visit for photographs --- straight from their cozy warmth to our cold and wet .... we've enjoyed all of you -- and been very envious of your tans!! okay so you tell me ... sisters? or mother and daughter?very hard to tell! these two women are beautiful. hope you enjoyed your jaunt to chicago - it was a pleasure to meet you.


text:
Each year the members in good standing elect officers and directors to carry out the church’s program.
Paul is the CVUU Treasurer. He is a native of Pittsburgh, where he attended the University of Pittsburgh, receiving degrees in Accounting and the History of Art and Architecture. He also served in the Navy from 1987 to 1993, which brought him to Norfolk where … read more.
Gwen T. was born in Nuremberg, Germany into a large military family. Her family relocated approximately every three years; however, she graduated from high school in Oklahoma. She attended a local college, Cameron University. There she was an active participant in the ROTC program, majored in … read more.
Mindy S. is a member of the Coastal Virginia Unitarian Universalist’s board of directors.She grew up in Fort Myers, Florida. She is a former teacher and she now lives in Virginia Beach with her three sons.

lowercased:
each year the members in good standing elect officers and directors to carry out the church’s program.
paul is the cvuu treasurer. he is a native of pittsburgh, where he attended the university of pittsburgh, receiving degrees in accounting and the history of art and architecture. he also served in the navy from 1987 to 1993, which brought him to norfolk where … read more.
gwen t. was born in nuremberg, germany into a large military family. her family relocated approximately every three years; however, she graduated from high school in oklahoma. she attended a local college, cameron university. there she was an active participant in the rotc program, majored in … read more.
mindy s. is a member of the coastal virginia unitarian universalist’s board of directors.she grew up in fort myers, florida. she is a former teacher and she now lives in virginia beach with her three sons.


text:
The creative director behind Channel 4's "We're the superhumans" and sibling directing duo The Mundo Sisters took home top awards at the inaugural VOWSS showcase at Cannes Lions, which recognises the best short films and advertising from women.
Alice Tonge, head of creative and design at 4Creative, Channel 4’s in-house agency, won best creative direction. She was creative director of Channel 4’s "We’re the superhumans" campaign for the Rio Paralympics, which has garnered accolades including Campaign’s Campaign of the Year in 2016.
The Mundo Sisters took home VOWSS’ top honour for film direction. Sisters Rena Mundo Coshere and Nadine Mundo are the directors of the short film A Field Between for Film 45 and CNN Films, which tells the story of a former CIA operative turned peace activist.
Naomi Taylor, a student at the School of Communication Arts 2.0, also received a special student award recognising her emerging talent.
VOWSS is a partnership between The Voice of a Woman Film Festival and SheSays. It is sponsored by the agency Mr President, creative media group Rise and Facebook Creative Shop, with additional support from WAVE Studios and Digital Doughnut.
The showcase at Cannes Lions on Wednesday screened 11 films and 16 ads by female directors and creative directors from around the world, including Grey London’s joint chief creative officer Vicki Maguire and emerging director MJ Delaney, who is represented by Sharon Horgan’s production company Merman.
Laura Jordan Bambach, co-founder of VOWSS, founder of SheSays and chief creative officer at Mr President, said: "We were overwhelmed by the quantity and high calibre of submissions we received for our inaugural showcase. What’s clear from creating the VOWSS is that there’s a massive demand from women to be recognised for their work and creative genius.
"VOWSS has shown us that work by women isn’t limited to telling women’s stories. The work can share a different point of view or come from a different place of experience. And this diversity of work is crucial to evolve our global perspectives."
Channel 4’s Tonge said VOWSS has helped champion female talent and also reassured her that "the industry hasn’t forgotten about me" after her nine months of maternity leave.
"If the experience of making this campaign [‘We’re the superhumans’] has taught me anything, it’s that a ‘yes I can’ attitude can help you overcome pretty much anything," Tonge said. "So whether you’re a single mother with no arms raising a child, or you’re a woman in a wheelchair playing basketball at the Rio Paralympics, being superhuman is a state of mind.
"To all those female creatives who are trying to crack the industry, take inspiration from the Superhumans – yes you can."

lowercased:
the creative director behind channel 4's "we're the superhumans" and sibling directing duo the mundo sisters took home top awards at the inaugural vowss showcase at cannes lions, which recognises the best short films and advertising from women.
alice tonge, head of creative and design at 4creative, channel 4’s in-house agency, won best creative direction. she was creative director of channel 4’s "we’re the superhumans" campaign for the rio paralympics, which has garnered accolades including campaign’s campaign of the year in 2016.
the mundo sisters took home vowss’ top honour for film direction. sisters rena mundo coshere and nadine mundo are the directors of the short film a field between for film 45 and cnn films, which tells the story of a former cia operative turned peace activist.
naomi taylor, a student at the school of communication arts 2.0, also received a special student award recognising her emerging talent.
vowss is a partnership between the voice of a woman film festival and shesays. it is sponsored by the agency mr president, creative media group rise and facebook creative shop, with additional support from wave studios and digital doughnut.
the showcase at cannes lions on wednesday screened 11 films and 16 ads by female directors and creative directors from around the world, including grey london’s joint chief creative officer vicki maguire and emerging director mj delaney, who is represented by sharon horgan’s production company merman.
laura jordan bambach, co-founder of vowss, founder of shesays and chief creative officer at mr president, said: "we were overwhelmed by the quantity and high calibre of submissions we received for our inaugural showcase. what’s clear from creating the vowss is that there’s a massive demand from women to be recognised for their work and creative genius.
"vowss has shown us that work by women isn’t limited to telling women’s stories. the work can share a different point of view or come from a different place of experience. and this diversity of work is crucial to evolve our global perspectives."
channel 4’s tonge said vowss has helped champion female talent and also reassured her that "the industry hasn’t forgotten about me" after her nine months of maternity leave.
"if the experience of making this campaign [‘we’re the superhumans’] has taught me anything, it’s that a ‘yes i can’ attitude can help you overcome pretty much anything," tonge said. "so whether you’re a single mother with no arms raising a child, or you’re a woman in a wheelchair playing basketball at the rio paralympics, being superhuman is a state of mind.
"to all those female creatives who are trying to crack the industry, take inspiration from the superhumans – yes you can."


text: Plot: Summer 2018. As the tension between Greece and Turkey escalates, a big earthquake brings a small island to the surface of the Aegean sea. Both Greeks and Turks rush in to conquer the island, but since none of the countries wish to disrupt the summer, both sides are left alone on the island.

lowercased: plot: summer 2018. as the tension between greece and turkey escalates, a big earthquake brings a small island to the surface of the aegean sea. both greeks and turks rush in to conquer the island, but since none of the countries wish to disrupt the summer, both sides are left alone on the island.


text:
Are you planning relocation when you retire?
Discussion in 'Non-Vegas Chat' started by ken2v, Apr 16, 2019.
What's some of what's going in your thought process? We're not there yet but getting closer so we're starting the research and debate.
Edit: This is past tense, too, if you've been there/done that.
I’m not there yet either. As much as I love Chicago, I highly doubt I’m staying here. I still want 4 seasons, but the brutal Chicago winters aren’t appealing.
there is a small chance I would retire in Vegas. I wish I had bought a condo there 20 years ago. I don't need anything fancy, just a 2bed/2bath condo that I feel safe in. I might stay right where I am at in the Midwest.
the cost of living here is lower, but it is pretty much sadville USA.
I have also thought about just going for longer stays when I am retired... say 2 weeks at a time 5-6 times a year.
no state income tax is appealing, but that could change by the time I am able to retire.
Yes, yes, yes. Can't wait to get out of this tax grabbing state of California. Cost of living here way too high for retirement. My wife is actively looking now on trying to decide where she will be happy.
Another consideration for us is we have lifetime Kaiser health insurance through her work, so there are only 5 states with Kaiser available. Oregon is one of them, and we are going there this weekend to do a lap around the state to see if she likes Oregon since she has never visited.
For me, golf has to be accessible and able to be played most of the year.
We have a home in Scottsdale as well that we could always retire to, as this was purchased with retirement in mind, but we visited once when it was 122 deg out, and that eliminated Arizona for her, lol.
My back up plan is sell everything at retirement, and then get 2 condos or townhouses in diverse areas and split the time between the two based on weather, time of year, etc.
Nevada wouldn't be bad for tax reasons.
R ... make sure you calculate your tax exposure in OR. For many folks, it's worse than CA. I'd love to go back but that is a big consideration for us.
Your itinerary pretty set now?
We don’t have any plans to relocate, although we’re not quite completely retired yet. We are really exploring how we can age in place where we are now rather than trying to find a different retirement living situation. We live in a large city that we love. I would suggest considering how available healthcare and services are where you are now and how that may change as you need more from them. Good luck on your journey!
Not Las Vegas! I want something fun to visit!
We are in the debating and research phase. I hate the winters here. We have no kids so nothing keeping us here. If only Canada had a tropical option LOL.
Considered Panama still might go on a trip there. Just not sure I want to cut ties here completely due to health care so starting to look into snowbirding options.
Another consideration is spending half our time in another country as an expat. Costa Rica, Colombia, etc where the cost of living is a lot lower.
I'm gonna have to. DC is way too expensive of a place to retire. I'd like to settle in Harper's Ferry, WV, I think.
Yes! Most likely my old haunts in Gulf Shores AL or possibly Pensacola, FL. Low cost of living, plenty going on and it's not north Mississippi.
Been there, done that! I officially retired last year. Vegas was at the top of my relocation list when I was planning my retirement, but after weighing all of the pros and cons, I decided not to relocate.
Since my mom moved to Henderson when she retired, I had the chance to spend a lot of time in the Vegas area visiting her over the years before she passed away. So, I had first hand info on what it would be like living out there as a retiree. It seemed tempting at first, but I think the one thing that convinced me not to make the move is that I can take the Chicago winters a lot better than the searing dry desert heat.
It seems to me we live in a retirement community already!
Tons of people from Toronto retire here. It factored in our plans when we moved here three years ago even thought I may never retire. Lol.
Like a lot people in northern US or Can, we will probably rent/buy a place south for winters. Unfortunately my business is seasonal in winter and spring so trying to figure that one out!
I appreciate people sharing their experiences on these various related threads.
Regionally, we're west coasters. Doesn't mean it has to be a shore-hugging state, but anything east of eyeshot of the Rockies is a nonstarter.
Weather, community vitality, age diversity, tax climate (well maybe, see below), outdoor recreation, airport, cultural attributes ... that's where we are. Had we not left the central coast there is some chance we might've stayed there. To me it's one of those can-never-go-back things, however, and from a $$$ perspective buying back into that RE market, despite what we took out of it, isn't all that appealing. And we never again want a mortgage; owing outright is liberating. CA ain't perfect, but when you really dig down into the weeds, it isn't the worst place other than CoL, not given how some states stack up. We don't necessarily feel the push factor, but pull is another thing.
Oregon seemed like the default for me, and my wife is there out of sheer self-preservation ... and 20+ years of constant visits. As we get older, with her sister in Australia probably for good, that's where our family is. (When not wintering in Indian Wells.) And god knows you've heard me mouth on about Bend forever, and it offers everything we want, and good healthcare. West of the Cascades might be a challenge, whether Willamette Valley or northward around Puget Sound. Going back into that rain would be a challenge. Then again, most every other place we've been or are contemplating gets snotty hot part of the year. Bend does tag all those bags above, save the tax climate thingy. A return to Eugene?
Washington then seems the logical step; still PNW, near family (and we have some in Seattle), and a state with no income tax. So is that Wenatchee? Access to good mountain biking but I don't know about road riding, and we'd find it cold for several month. How's the golf?
I think the Snake River Valley is too wintry for Terri, even though you snowbelt folks might consider a Boise January nearly balmy.
Arizona halves the tax exposure, and we do love Tucson. The balance there is the summer blaze and how it affects us vs. the cold some other place. The Old Pueblo easily hits all the attributes -- food, culture, a university, arts, outdoor bounty, golf, and one of the best riding communities/environments out there. And it is a bit cooler than Phoenix and not as harried/frenzied/sprawling.
We got pretty close to Reno in '17/'18, and the time spent there really turned around her attitude about town. Tax bueno. Good airport. EZ proximity to what we like in CA. Still not sold on the aesthetic of it all. Vegas? NFW.
I'd like her to see Ft. Collins or Boulder, but at that why not just do Boise?
Housing-wise I see us staying with single-family, and at least until we get totally incapable, want two bedrooms and bathrooms for guests. I'd love to be able to design another kitchen.
Thanks for listening. Keep your experiences and processes coming!
Let me know if you need some food/grog tips in Bend/Redmond and if you'd like to meet with a couple guys who do outreach/PR for the area and are AVID golfers let me know.
@ken2v surprised you wouldnt retire in Bend, you've been squawking about it for years and your finally there. I do love the PNW with Idaho thrown in but the winters are to tough for this southern fella.
I'll never be able to retire...unless I hit the MegaBucks jackpot someday.

lowercased:
are you planning relocation when you retire?
discussion in 'non-vegas chat' started by ken2v, apr 16, 2019.
what's some of what's going in your thought process? we're not there yet but getting closer so we're starting the research and debate.
edit: this is past tense, too, if you've been there/done that.
i’m not there yet either. as much as i love chicago, i highly doubt i’m staying here. i still want 4 seasons, but the brutal chicago winters aren’t appealing.
there is a small chance i would retire in vegas. i wish i had bought a condo there 20 years ago. i don't need anything fancy, just a 2bed/2bath condo that i feel safe in. i might stay right where i am at in the midwest.
the cost of living here is lower, but it is pretty much sadville usa.
i have also thought about just going for longer stays when i am retired... say 2 weeks at a time 5-6 times a year.
no state income tax is appealing, but that could change by the time i am able to retire.
yes, yes, yes. can't wait to get out of this tax grabbing state of california. cost of living here way too high for retirement. my wife is actively looking now on trying to decide where she will be happy.
another consideration for us is we have lifetime kaiser health insurance through her work, so there are only 5 states with kaiser available. oregon is one of them, and we are going there this weekend to do a lap around the state to see if she likes oregon since she has never visited.
for me, golf has to be accessible and able to be played most of the year.
we have a home in scottsdale as well that we could always retire to, as this was purchased with retirement in mind, but we visited once when it was 122 deg out, and that eliminated arizona for her, lol.
my back up plan is sell everything at retirement, and then get 2 condos or townhouses in diverse areas and split the time between the two based on weather, time of year, etc.
nevada wouldn't be bad for tax reasons.
r ... make sure you calculate your tax exposure in or. for many folks, it's worse than ca. i'd love to go back but that is a big consideration for us.
your itinerary pretty set now?
we don’t have any plans to relocate, although we’re not quite completely retired yet. we are really exploring how we can age in place where we are now rather than trying to find a different retirement living situation. we live in a large city that we love. i would suggest considering how available healthcare and services are where you are now and how that may change as you need more from them. good luck on your journey!
not las vegas! i want something fun to visit!
we are in the debating and research phase. i hate the winters here. we have no kids so nothing keeping us here. if only canada had a tropical option lol.
considered panama still might go on a trip there. just not sure i want to cut ties here completely due to health care so starting to look into snowbirding options.
another consideration is spending half our time in another country as an expat. costa rica, colombia, etc where the cost of living is a lot lower.
i'm gonna have to. dc is way too expensive of a place to retire. i'd like to settle in harper's ferry, wv, i think.
yes! most likely my old haunts in gulf shores al or possibly pensacola, fl. low cost of living, plenty going on and it's not north mississippi.
been there, done that! i officially retired last year. vegas was at the top of my relocation list when i was planning my retirement, but after weighing all of the pros and cons, i decided not to relocate.
since my mom moved to henderson when she retired, i had the chance to spend a lot of time in the vegas area visiting her over the years before she passed away. so, i had first hand info on what it would be like living out there as a retiree. it seemed tempting at first, but i think the one thing that convinced me not to make the move is that i can take the chicago winters a lot better than the searing dry desert heat.
it seems to me we live in a retirement community already!
tons of people from toronto retire here. it factored in our plans when we moved here three years ago even thought i may never retire. lol.
like a lot people in northern us or can, we will probably rent/buy a place south for winters. unfortunately my business is seasonal in winter and spring so trying to figure that one out!
i appreciate people sharing their experiences on these various related threads.
regionally, we're west coasters. doesn't mean it has to be a shore-hugging state, but anything east of eyeshot of the rockies is a nonstarter.
weather, community vitality, age diversity, tax climate (well maybe, see below), outdoor recreation, airport, cultural attributes ... that's where we are. had we not left the central coast there is some chance we might've stayed there. to me it's one of those can-never-go-back things, however, and from a $$$ perspective buying back into that re market, despite what we took out of it, isn't all that appealing. and we never again want a mortgage; owing outright is liberating. ca ain't perfect, but when you really dig down into the weeds, it isn't the worst place other than col, not given how some states stack up. we don't necessarily feel the push factor, but pull is another thing.
oregon seemed like the default for me, and my wife is there out of sheer self-preservation ... and 20+ years of constant visits. as we get older, with her sister in australia probably for good, that's where our family is. (when not wintering in indian wells.) and god knows you've heard me mouth on about bend forever, and it offers everything we want, and good healthcare. west of the cascades might be a challenge, whether willamette valley or northward around puget sound. going back into that rain would be a challenge. then again, most every other place we've been or are contemplating gets snotty hot part of the year. bend does tag all those bags above, save the tax climate thingy. a return to eugene?
washington then seems the logical step; still pnw, near family (and we have some in seattle), and a state with no income tax. so is that wenatchee? access to good mountain biking but i don't know about road riding, and we'd find it cold for several month. how's the golf?
i think the snake river valley is too wintry for terri, even though you snowbelt folks might consider a boise january nearly balmy.
arizona halves the tax exposure, and we do love tucson. the balance there is the summer blaze and how it affects us vs. the cold some other place. the old pueblo easily hits all the attributes -- food, culture, a university, arts, outdoor bounty, golf, and one of the best riding communities/environments out there. and it is a bit cooler than phoenix and not as harried/frenzied/sprawling.
we got pretty close to reno in '17/'18, and the time spent there really turned around her attitude about town. tax bueno. good airport. ez proximity to what we like in ca. still not sold on the aesthetic of it all. vegas? nfw.
i'd like her to see ft. collins or boulder, but at that why not just do boise?
housing-wise i see us staying with single-family, and at least until we get totally incapable, want two bedrooms and bathrooms for guests. i'd love to be able to design another kitchen.
thanks for listening. keep your experiences and processes coming!
let me know if you need some food/grog tips in bend/redmond and if you'd like to meet with a couple guys who do outreach/pr for the area and are avid golfers let me know.
@ken2v surprised you wouldnt retire in bend, you've been squawking about it for years and your finally there. i do love the pnw with idaho thrown in but the winters are to tough for this southern fella.
i'll never be able to retire...unless i hit the megabucks jackpot someday.


text:
But, sir, the engines are offline!
Computer, how long til we die?
I did and then I beat him fairly.

lowercased:
but, sir, the engines are offline!
computer, how long til we die?
i did and then i beat him fairly.


text:
Let's go down this metal street in Breadboardville and meet this tipsy Mr. Gravity, shall we? While we're there, we will poke and prood him to see how he reacts. This is ok since we need to determine his sensitivity and what type of currency he will give us. I gotta watch out with these tipsy gravity folks. They may provide you with analog voltage currency, or currency that involves time! Mr. Gravity that gives time relative currency, then he is better suited to interact with Mrs. PWM. Remember her? She's the one with the stopwatch.
If Mr. Gravity is the type to provide us with the voltage currency, he is perfect for the ADC. The really sick Mr. Gravities can also have multiple personalities. Which ever way you push Mr. Gravity, he could regurgitate his voltage in one of three of his output ports. Actually, he is constantly regurgitating. At full stance (no tilt), he is at about mid level regurgitation with his voltage currency. If pushed him forward, he starts to regurgitate the currency proportional to the amount of force on his back. This force is actually measured in G's. Just to get a good reference, one G is the force of gravity at a standstill and with the average amount of earth's crust in-tact (yep, there is less gravity if there are large holes below you, but that get's into heavy physics, so I will leave that alone for now!).
Back to Mr. Gravity. guess what happens if you push him backward. You are right, he regurgitates less relative to the gravity. However! If you push him hard, he feels that "force" (in g's, remember) and he will regurgitate in proportion to the push of acceleration.
The program for the ADC is pretty basic. All we are doing is changing the reference voltage. Instead of using the AVCC pin to determine the top voltage for the ADC, we are using an internal reference voltage (a voltage that the microcontroller "King Core" has devised himself). Why are we changing this voltage reference? Why isn't the AVCC good enough. Well, we actually could use the AVCC, but the resoltion of the ADC result would be reduced. In the case of the AVCC reference voltage, the microcontroller thinks that you are going to send it a sensor that provides a voltage all the way up to 5v. Mr. Gravity is only regurgitating up to about 2.4 volts, so the voltage from 2.4 to 5v is essentially waisted. so we want to use a voltage reference closer to the top voltage that Mr. Gravity will provide.
To set this internal voltage, all we do is set REFS0 and REFS1. It's as easy as that.

lowercased:
let's go down this metal street in breadboardville and meet this tipsy mr. gravity, shall we? while we're there, we will poke and prood him to see how he reacts. this is ok since we need to determine his sensitivity and what type of currency he will give us. i gotta watch out with these tipsy gravity folks. they may provide you with analog voltage currency, or currency that involves time! mr. gravity that gives time relative currency, then he is better suited to interact with mrs. pwm. remember her? she's the one with the stopwatch.
if mr. gravity is the type to provide us with the voltage currency, he is perfect for the adc. the really sick mr. gravities can also have multiple personalities. which ever way you push mr. gravity, he could regurgitate his voltage in one of three of his output ports. actually, he is constantly regurgitating. at full stance (no tilt), he is at about mid level regurgitation with his voltage currency. if pushed him forward, he starts to regurgitate the currency proportional to the amount of force on his back. this force is actually measured in g's. just to get a good reference, one g is the force of gravity at a standstill and with the average amount of earth's crust in-tact (yep, there is less gravity if there are large holes below you, but that get's into heavy physics, so i will leave that alone for now!).
back to mr. gravity. guess what happens if you push him backward. you are right, he regurgitates less relative to the gravity. however! if you push him hard, he feels that "force" (in g's, remember) and he will regurgitate in proportion to the push of acceleration.
the program for the adc is pretty basic. all we are doing is changing the reference voltage. instead of using the avcc pin to determine the top voltage for the adc, we are using an internal reference voltage (a voltage that the microcontroller "king core" has devised himself). why are we changing this voltage reference? why isn't the avcc good enough. well, we actually could use the avcc, but the resoltion of the adc result would be reduced. in the case of the avcc reference voltage, the microcontroller thinks that you are going to send it a sensor that provides a voltage all the way up to 5v. mr. gravity is only regurgitating up to about 2.4 volts, so the voltage from 2.4 to 5v is essentially waisted. so we want to use a voltage reference closer to the top voltage that mr. gravity will provide.
to set this internal voltage, all we do is set refs0 and refs1. it's as easy as that.