New investments to modernize thousands of kilometers of electricity distribution lines and increase the use of smart meters, which are essential for the future expansion of the use of renewable energies in Greece, will be supported by new funding of EUR 330 million from the European Investment Bank, which a formal announcement in Athens was announced earlier today.
EIB President Werner Hoyer and PPC Chairman and CEO Georgios Stasis signed the second EUR 100 million financing contract under the EUR 330 million 20-year loan, with investments to modernize and strengthen the Greek electricity distribution network mainland and islands are supported.
“Today’s agreement is a significant step towards the energy and digital transformation of the PPC Group. The closure of lignite-fired power plants as part of Prime Minister Kyriakos Mitsotakis’ flagship initiative has already ushered in the next era for the company and laid the foundations for its viability and future We have done the modernization of the HEDNO network and the further penetration of RES in power generation. We want to accelerate the green transition from PPC to a key development of the country in the coming years, “said Kostas Skrekas, Minister for Environment and Energy.
“Strategic long-term financing can modernize the electricity distribution network, benefit consumers, improve security of supply and protect the environment. The new EIB loan of 330 million more use of renewable energies and increased energy efficiency through the use of smart meters ”. said Georgios Stasis, Chairman and CEO of PPC SA
“The EIB is a key partner for energy investments in Greece and the new EIB finance signed today demonstrates our shared vision of modernizing electricity distribution to build a smarter national grid and addressing climate change through increased use of renewable energies to the HEDNO To further improve services for customers across Greece, “said Anastasios Manos, CEO of HEDNO.
“Increasing energy investments is critical to improving grid reliability, harnessing Greece’s solar and wind energy potential and contributing to the energy transition in Europe. The European Investment Bank is stepping up support for high-impact energy investments in Greece Financing with PPC, which increases the capacity of the Greek electricity distribution network operated by HEDNO, expands the use of smart meters, which are essential for more efficient electricity generation, and increases the use of renewables in the coming years Energies made possible. This builds on a longstanding partnership with PPC and the EIB’s strong path to finance energy investments in renewable energy, energy efficiency, interconnections to islands and power distribution across Greece, “said Werner Hoyer, President of the European Investment Bank.
“The EUR 330 million in financing from the European Investment Bank for PPC, confirmed today, shows our partnership to modernize and expand the 14,200 km long national power distribution network and to increase the use of renewable energies in the coming years. This builds on the longstanding partnership between the EIB and PPC and our strong path to financing investments in renewable energy, energy efficiency, interconnections to islands and electricity distribution across Greece, “said Christian Kettel Thomsen, Vice-President of the European Investment Bank responsible for Greece.
Improving network reliability and power distribution across Greece
The new EIB financing will support the construction of 6,600 km of new power lines and the modernization of 7,600 km of the existing distribution network in both mainland Greece and the Greek islands, as well as the use of advanced smart meters to enable better power management.
This will improve the overall efficiency of the network, increase reliability and meet future needs.
Use Greece’s potential for renewable energies
The new network investment will also connect the future expansion of wind and solar power generation to the national power grid
Building on 57 years of EIB support for energy investments across Greece PPC
The European Investment Bank has financed long-term investments by PPC since 1964.
Over the past decade, the European Investment Bank, together with PPC and private Greek energy partners, has raised more than 4.3 billion euros.
Support for priority energy investments will be the focus of the visit of the high-level EIB group
The new agreement was signed during a three-day working visit to Greece by Werner Hoyer, President of the European Investment Bank, Christian Kettel Thomsen, EIB Vice-President in charge of Greece, and Alain Godard, General Manager of the European Investment Fund.
The European Investment Bank is directly owned by the 27 EU Member States and last year the EIB Group received 2.8 billion new support for high-impact private and public investments across the country, the second largest per capita exposure in the European Union Union represents.


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In this article, I am going https://groups.diigo.com/group/naughty-american-girls-for-sex-dating/search?what=hot to offer you some relationship and dating guidance. It seems like everyone has some recommendations when it comes to going out with and human relationships, but you might be shocked at how much it differs from other sources. This post has been written by Samantha Joel, a specialist who specializes in seeing. During her interview, your woman shared her insight into how males and females can boost their relationships. We’ve also included some tips for women and men who will be single and want to avoid online dating mistakes.
One of the biggest beliefs about interactions is that they’re all about bargain. But absolutely just not true. You should give your partner everything you have, and expect a similar in return. If you’re going out with your partner initially manaus girls and/or committed to a long-term determination, conflicts are bound to happen, and you simply must do not ever compromise with your obligations. You cannot split your responsibilities like a check.
To help make the most out of any relationship, attempt to avoid unrealistic objectives. Trying https://time.com/4366236/relationship-secrets-research/ to force a romantic relationship will only make it worse and can harm your chances of finding lasting love. Don’t stress, there’s still hope. Getting earlier these common stumbling blocks and embracing the reality of love can lead to a long-lasting, fulfilling relationship. And it is not too late to do this! Just don’t forget to read and follow this seeing and relationship advice!
As you can see, romance advice is normally not regarding compromise. Typically give up also easily or split the responsibility with all your partner. You must become 100% within your relationship. Ultimately, if you want to get a long-term romance, you have to put in a hundred percent efforts. There are many reasons why then your end up being compromising in your values and tasks. So , go ahead and give yourself some dating and relation tips.
Keeping your romances healthy is important. Don’t allow you to fall in love with somebody just because that they glance cute and have absolutely a good body system. You need to be positive in your self, which means excess honest with your partner. Your partner might appreciate your honesty. The best human relationships are strong and last a long time. Have a tendency compromise on your own values. Continually be yourself. Should you be not, the relationship will be unsuccsefflull.
The best online dating and romance advice isn’t really about compromise. Is actually about providing your partner the actual need, and expecting the same from them in return. If you’re in a relationship for some time, you’ll absolutely have issues, but really okay to be honest with your partner if you’re not happy. The goal is to find a long-term take pleasure in. There are many good do so , however the most important is usually to be yourself.

domain: psychology


When Should De-Ionized Water Be Used in an Ultrasonic Cleaner?
November 17, 2022
While ultrasonic cleaning systems can work with plain water, de-ionized water can improve cleaning performance in some situations. In some cases, the use of de-ionized water replaces the use of mild detergents or solvents to speed up cleaning. Whether de-ionized water will deliver substantial cleaning improvement also depends on the contamination. Hard-surfaced parts with light […]Read More
Considerations When Using Ultrasonics to Clean Plastics
November 7, 2022
Whether using ultrasonics is the best choice for cleaning plastic parts depends on the type of plastic and the nature of the contamination. Hard, dense plastics are easy to clean with ultrasonic cleaners, but choosing the right frequency and configuration is still important. Parts made from soft or light plastics need special measures for ultrasonic […]Read More


Diamagnetism in helium Rydberg atoms is studied near the ionisation threshold using constant scaled-energy laser spectroscopy. Quasi-Landau resonances in the Fouriertransform of the energy spectrum are explained using the classical periodic-orbit theory. Longlaser scans combined with a high-frequency resolution allow for a detailed comparison betweenexperiment and theory. Resonances with a scaled action Stup to 20 are identified andreproduced with an accuracy of 0.015. It is demonstrated that interference effects betweenresonances should be taken into account. © 1993 IOP Publishing Ltd.


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Tag : One Million Dollars campaign
Finalists have been announced for the 2017 Workplace Giving Excellence Awards, recognising leadership, innovation, collaboration and best practice by employer and community…
Wednesday, 11th October 2017
Get the social sector's most essential news coverage delivered free every Tuesday and Thursday morning.
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domain: news


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Pan-n-Ice was founded in 2015 when Henry was traveling in Thailand with a friend. Instantly in awe of this amazing concept of making rolled ice cream, they decided to bring it back home to the UK!
What started out as just two friends traveling around the UK doing ice cream catering for small events, has now grown into a well established global ice roll brand, ready to take on the world. We have operated in prestigious locations such as Westfield London, Selfridges nationwide, Harvey Nichols, Bicester Village, Topshop Oxford Street all the way to large scale events in New York City and Abu Dhabi.
Since the brand has grown in demand over the years, we recently launched our new exciting DIY ice roll kits that allow you to make your very own rolled ice cream from the comfort of your own home! Entertain your children, create endless rolled ice cream flavors or have a perfect date night with your other half!
So be hiring us for your next event, or trying your hand at ice cream rolling with our DIY kits - we can't wait to get rolling with you!
Meet the Team
Head of Marketing
Junior Graphic Designer
Marketing & Social Media Assistant
Events Sales Manager
Chief Executive Paw-fficer
Chief Barketing Officer

domain: hobby


By reducing the +12V common- mode voltage, an INA122 can sense the voltage drop across a shunt resistor while being powered by the same +12V power supply. Rg controls the voltage gain of U1. This circuit is scaled for a 2.5V output range centered around +1.25V; thus this amplifier can measure bidirectional shunt current. An INA122 does not feature a R-R output so the sinking current is limited to about -0.3A. This can be useful where battery current must be monitored while it is being charged or discharged. Bypass capacitors are not shown. (Circuit is created by Tucson)
Shunt Amplifier with Offset Output circuit:
Online Simulation of a Shunt Amplifier with Offset Output Circuit:
The great feature of the TINA circuit simulator that you can analyze this circuit immediately with TINACloud the online version of TINA. Of course you can also run this circuit in the off-line version of TINA.
You can send this link to any TINACloud customers and they can immediatelly load it by a single click and then run using TINACloud.


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Sep 15, 2013, 4:00 PM EDT
Cliff Alexander, the #2 rated recruit in ESPN’s Top 100 rankings for the class of 2014, tweeted out earlier this afternoon that he plans to play his college basketball with JaQuan Lyle, the #22 recruit, according to ESPN.
These “package deals” seem to be all the rage this offseason, along with schools unveiling courts with crazy designs, of course.
Prior to even delving into what this would mean for a school to land both of these recruits, one must bear this in mind: Cliff Alexander, along with every other recruit in the class of 2014, is a teenager who has a Twitter account with thousands of followers. It is very easy to spend just a few seconds tweeting out a message to the world, without completely understand the weight it has behind it.
That being said, if Alexander and Lyle were to attend the same college, that is a potential program-changing duo of recruits. Below are Alexander’s tweets:
@JMamba5 is Jaquan Lyle’s twitter handle, while @humblekid11 is Cliff Alexander.
Over the weekend, Alexander was on an official visit to Arizona, while Lyle announced he was decommitting from Louisville.
As you’ll see per the first tweet, Kansas seems to be at the forefront of Lyle’s mind. Does that mean the same for Alexander? Alexander is slated to visit Kansas on October 4th.
- How concerned should North Carolina fans be that Brandon Ingram passed on the Tar Heels? 2
- Duke lands five-star Class of 2015 wing Brandon Ingram 3
- College basketball’s seven biggest early entry losers for the 2015-2016 season 1
- College basketball’s six biggest early entry winners for the 2015-2016 season 5
- Austin Hatch’s inspirational basketball career has come to a close 3
- UPDATED: 2015-2016 College Basketball Way-Too-Early Preseason Rankings 2
- 2015 College Basketball Updated Early Entry List 14
- Duke lands commitment from elite PG Derryck Thornton, who will reclass (18)
- 2015 College Basketball Updated Early Entry List (14)
- UPDATED: 2015-2016 College Basketball Way-Too Early Preseason Top 25 (9)
- Louisville adds key grad transfer Damion Lee (8)
- College basketball’s six biggest early entry winners for the 2015-2016 season (5)


Before starting to install your steam arm on your La Marzocco GS3 it is very important to unplug the machine from the outlet. Release the steam pressure before starting as well by opening the steam valve and then let your espresso machine cool.1
Tools Need for Installation
- Phillips Screwdriver
- Flat Blade Screwdriver
- Small Adjustable Wrench
- Medium Adjustable Wrench
- 13mm Socket with Ratchet
- Hand File: the hand file may be needed to file the valve down for a proper fit. Some valves may not require filing, but it is recommended to have one available before starting.
1. Remove the Left Side Panel
Unscrew the chrome screw cover caps that cover the panel screws. Once the chrome screw caps have been removed, unscrew the 13mm nuts with the 13mm socket with a ratchet. The panels should pull off the side of the machine easily.
2. Removing the Top Panels
Slide the flat-bladed screwdriver under the cup tray grill. Gently pry the cup tray grill off of the top of your machine. After you've gently prayed and lift it off of your GS3, set it aside. Now, remove the two Phillips screws located at the front just left of center and rear center underneath the tray grill that you've just removed.
3. Remove the Front Panels
Removing the front panels makes it much easier to replace the steam valve. This step may be skipped if you have small open-ended wrenches. If not, it is much easier with the front panels removed.
To remove the front panels on your GS3 remove the two Phillips head screws located on the front just after the bend underneath the controls of your machine. After the two screws have been removed remove the two hex bolts just underneath the front panel. These hex screws hold the front panel to the frame of your espresso machine.
To continue removing the front panels, carefully lift the left side by the manometers as shown below. Be very careful not to disconnect the cables behind the touchpad. The cables two cables connecting the touchpad are identical and will be very difficult to determine how to re-install if you do not label them with a marker before disconnecting them.
|Pull the left side of the bottom panel forward. You may have to push the discharge tube on the bottom left of the panel up to relieve the bottom panel just underneath the La Marzocco GS3's group.
4. Remove the Steam Wand
With all of the panels remove now we're ready to remove the existing steam wand. Just behind the lever to activate your steam arm, there is a small elbow fitting attached to some tubing. Push in the collar of the elbow fitting and pull the Teflon line out of the elbow fitting.
Now unscrew the two brass screws just behind the steam wand from the top of the machine.
5. Position the Steam Valve
Loosen the two fittings on either side of the steam valve. One inside of the machine and the other that's closest to the knob and front of the machine. After loosening the fittings on either side of the steam valve, unscrew and remove the bottom fitting on the steam valve just above the elbow that you removed the Teflon line from.
6. Install the Steam Wand
Once you have removed the steam valve, we are ready to install the new valve. Screw-in and rotate the steam valve until the threaded connection is facing straight up towards the top of the machine. With the threaded connection facing straight up, tighten the same two fittings you loosened in step-5 and as indicated below. Be very careful that while tightening the two fittings be sure that you do not rotate the valve where it forces it to not have the threaded connection pointing straight up.
7. Fitting & Modifying the Steam Wand
Place the steam arm into the La Marzocco GS3. Once the steam wand has been properly placed where the other wand was, install and tighten the two brass screws that were removed in step four.
|Screw the copper line to the top of the steam valve. Check that all fittings to make sure that they are tight. Reassemble all panels except for the left side panel.
Turn on your espresso machine and be very careful of the live voltage and heat. Let the machine heat up and check for signs of any leaks. If you do observe a leak unplug the machine and tighten the fitting at the place where you have observed the leak. When there are no observable leaks re-install the left side panel.
1. Chris' Coffee Service and La Marzocco assume no responsibility for injury or damage as a result of failing to follow the instructions.


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May Special - Deduct 20% from all our room rates!
At the Edgcumbe Hotel, we are committed to making your holiday the most enjoyable you have ever had. In our service our staff are committed to surpass your expectations and we hope that one day you will return. The Hotel offers you relaxed and comfortable surroundings with first class service.
Sam Cobley and family have been in the hotel trade for 40 years. He has a dedicated team that ensures from the moment you arrive until it is time to depart; your stay exceeds expectations and gives you that "home from home" feeling.

domain: travel


Re: 45 ACP Bullet Weights and Types ???
I've got a .45 acp load that works wonders in my Sig 1911. I use a 230gr. CMJ from King's shooter's supply (frontier metal processing), 6.9 grains of VV N350, a federal large pistol primer, an overall length of 1.2675" plus or minus .0005", a mild taper-crimp and the brass is really a hodge-podge for me. As long as its all trimmed to the same length 0.894" I haven't been able to see any measureable difference with one brass over another. I usually get about 850 fps out of this load, it feeds reliably, its light shooting and will shoot sub-2" groups from a rest at 25 yards.
My P220 that I just got rid of couldn't hit a grapefruit at 10 yards with Fiocci or PMC FMJ ammo. It drove tacks with the above load, but it hated some factory ammo. Small wonder, I got curious one day, used my trusty bullet puller and pulled apart some fiocci. The overall length was anywhere from 1.242"-1.258" the charge (don't know what type of powder it was) was anywhere from 6.1-6.5 grains, the case length was anywhere from 0.893"-0.898" and the crimp was incosistent too. No wonder my P220 hated that stuff. I have no doubt that the PMC ammo was the same. From then on I never bought any more loaded .45 ammo.
The M1. Smackin' the bastards since 1932.


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£9 Million 4BR Cadogan Square - Knightsbridge Home
Everything about this residence is top of the line, first class and immaculately clean. This designer decorated four bedroom residence is located in Knightsbridge, the most exclusive area of London.
Step out of the home and you're privy to all that London has to offer: theater, fine dining, shopping and the world famous Hyde Park. It's a metropolitan dream, right at your doorstep.
This is an e…
This location has a Walk Score of 98 out of 100 and is a walker’s paradise. Daily errands do not require a car.
Most things are within a 5 minute walk from the house. Sloan Square Tube Station is onl…

domain: geography


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THE HEART NY EARRINGS
Our cool "Love earrings" showcase our love for travel and for all our favorite cities across the world. Beaded intricately using bugle beads and seed beads in white, black and red.
The earrings are 16 cm by 5 cm and have a ear post.
To maintain well, wipe embroidered products gently after use and store in a muslin cloth or a dust bag.

domain: artistic


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About Magazine Beach
Located along the Charles River in Cambridge, Magazine Beach Park has long been a haven for city residents seeking the outdoors close to home. Thanks to a partnership between Mass Audubon and the Massachusetts Department of Conservation and Recreation (DCR), Mass Audubon will bring our Nature in the City initiative to this urban greenspace.
From April to November, Mass Audubon will host drop-in nature programs at the historic Powder Magazine building, which will also serve as a home base for school, family, and adult programming on and around the river.
- Saturdays & Sundays, 12:00-7:00 pm (April 16-June 25)
- Mondays & Thursdays through Sundays, 12:00-7:00 pm (June 26-September 3)
Neighborhood Naturalist Activities
Explore the nature of the park with Mass Audubon Field Teachers and observe the diversity of plants and animals in the area. We’ll play games, make art, and go on new adventures every session.
Activities are geared towards ages 6+, and are offered from 3-4pm each day our Nature Center is open
- Free nature programs for children and adults April-November, along with community events and festivals hosted with Magazine Beach Partners.
- 17 acres of walking paths, recreation areas, and natural habitats via the Charles River Reservation.
- Historic stone Powder Magazine building, once a storage location for public and private stores of gunpowder from 1818 until approximately 1863.
- Launch site for the Head of the Charles regatta every October.
668 Memorial Drive, Cambridge, MA 02139
Get directions on Google Maps >
Parking at Magazine Beach is limited. There is a small pullout with free parking on Memorial Drive near the building, as well as a parking lot at the boat landing/sports field near the Boston University (BU) Bridge.
Take the MBTA Green line to the BU Central stop, cross the BU Bridge, and walk to the park just along the Cambridge side of the Charles River. Or take the Red line to the Central Square stop and walk down Magazine Street to the pedestrian footbridge that crosses Memorial Drive.


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30/12/2019. Year in Review: Brazil complete undefeated run to capture third World Cup title. 29/12/2019. Year in Review: Zhu Ting stars anew as China defend World Cup title. 10/11/2019. Amanda Francisco: Serving in style. 09/11/2019. Top 10 powerful spikes of the Women's World Cup 2019. 06/11/2019.
See more videos for Volleyball World Cup Championship 2019
The 2019 FIVB Women's World Cup was the 13th edition of the event, contested by the senior women's national teams of the members of the Fédération Internationale de Volleyball, the sport's global governing body. The tournament was held from 14 to 29 September 2019 in Japan. This was the first time that the FIVB did not distribute Olympics places since 1991 due to Japan hosting the 2020 Summer Olympics, but points for the FIVB World Rankings were given. China won their historic fifth title ...
The 2019 FIVB Men's World Cup was the 14th editon of the event, contested by the senior men's national teams of the members of the Fédération Internationale de Volleyball, the sport's global governing body. The tournament was held from 1 to 15 October 2019 in Japan. That was the first time since 1989 that FIVB decided not to allocate any spots in the Olympics, due to Japan hosting the 2020 Summer Olympics.
More Volleyball World Cup Championship 2019 images
Yokohama, Hamamatsu, Sapporo, Toyama and Osaka, Japan, September 29, 2019 - China, USA and Russia finished first, second and third of the 2019 edition of the FIVB Volleyball Women's World Cup which featured 12 teams playing in round robin format in five cities across Japan from September 14 to 29. The competition began in Yokohama and Hamamatsu over five match days, before teams moved to Sapporo and Toyama for three more matches.
Enjoy the Highlights from the women's match between CHINA and USA from the FIVB Volleyball World Cup 2019.#FIVBWorldCup Subscribe NOW & hit the bell! 🔔: h...
Enjoy the Highlights from the men's match between USA and BRAZIL from the FIVB Volleyball World Cup 2019.#FIVBWorldCup Subscribe NOW & hit the bell! 🔔: ht...
Besides World Cup Women 2019 scores you can follow 200+ volleyball competitions from many countries around the world on FlashScore.com. Just click on the country name in the left menu and select your competition (league, cup or tournament). World Cup Women 2019 scores service is real-time, updating live.
The World Cup was created in 1965 with the purpose of partially filling the gap between the two most important volleyball tournaments, the Olympic Games and the World Championship, which take place in alternating 4-year cycles. The establishment of a third international competition would leave only one in every four years with no major events.
Former player Renan Dal Zotto took over the reins, and in his first FIVB men’s World Cup in charge, he coached Brazil to a perfect 11-0 record and helped them capture their third volleyball World Cup in 2019.

domain: sports


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Software developed by Intel is set for a focus on cloud-native network digitisation and modernisation as well as the potential for generative artificial intelligence (AI), if February’s announcements by the chipset giant are any guide.
Alex Quach, vice president and general manager of Intel’s wireline and core network division, presented results at MWC Barcelona this year from a survey of 300 communications services providers on mastering cloud-native network architectures for agility, with 5G at its core.
“Progress is being slowed by a range of challenges, including unscalable proprietary solutions, lack of in-house expertise, and an inability to find the right technology partners with interoperable solutions,” Quach reported.
“This is in addition to the ongoing pressure for increasingly lower latency, lower cost of ownership, security and better, more power-efficient network performance.”
Supporting the launch of 4th-gen Intel Xeon Scalable processors, the vendor is working to deliver differentiated power management capabilities for lower power consumption, opex, costs, and Scope 2 carbon emissions.
“Networks transitioning to cloud-native architecture can take advantage of microservices based resource management of network functions to utilize compute resources in the most energy efficient way,” wrote Quach.
Software for responsible AI
Intel is also working in 2023 to develop responsible perspectives and principles for AI models, including generative AI, according to Ilke Demir, a senior staff research scientist at Intel Labs.
For example, integrating deepfake detection algorithms into its real-time platform.
“FakeCatcher, the core of the system, can detect fake videos with a 96% accuracy rate, enabling users to distinguish between real and fake content in real time,” Demir wrote in an Intel opinion piece.
Intel’s ‘Trusted Media’ team are also working on what it describes as “responsible generators”.
For example, instead of creating images by ‘training’ on actual individual faces, one mixes and matches parts of a face — such as the nose of person A, mouth of person B, eyes of person C, and so on — to create a new face that does not already exist in a data set, Demir added.
“While some have (expressed) concerns about the potential of generative AI to threaten jobs, there is a greater opportunity to responsibly use generative AI to improve people’s efficiency and creativity,” Demir wrote.
By ‘training’ generative-AI algorithms with existing content and data, applications like natural language processing, computer vision, metaverse and speech synthesis can be further developed.
“In the past few years, generative AI has become more powerful – and therefore more capable of doing problematic things in a more convincing and realistic manner,” Demir said.


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Effect Of Nigeria Reinsurance Companies On The Growth Of Insurance Business In Nigeria
The Study is carried out to examine the effect of Nigeria reinsurance companies on the growth of insurance business in Nigeria (2000-2020). Using expo-facto research design and inferential statistical analysis; the study tested the sign of the significant relationship between dependent variable (profitability (ROA)) and set of independent variable (Net Retention ratio, Net Claim ratio, Net Commission ratio, and Ratio of Ceded Reinsurance). The study used secondary data obtained from financial report of the insurance companies considered for the study, covering a period from 2000 to 2020. Linear regression analysis was used to find out the extent to which independent variable impacted the set of dependent Variables. Correlation was used to find out whether the relationship among the variables to be measured was significant or not. The findings of the study reveal that Net Retention ratio, Net Claim ratio, Net Commission ratio, and Ratio of Ceded Reinsurance are correlated with insurance profitability (ROA), and administrative expenses. The study recommends that that insurance companies in Nigeria should put proper reinsurance programs into priority, taking into consideration characteristics of their underwriting documents and consideration factors such as past loss experience, size of risks and frequency of losses. It is important for insurance companies to have optimal retention levels in their risk diversification management basically to ensure favorable financial performance.
Table of Content
- 1.1 Background to the Study
- 1.2 Statement of the Problem
- 1.3 Objectives of the Study
- 1.4 Research Question
- 1.5 Research Hypothesis
- 1.6 Significance of the Study
- 1.7 Scope of Study
- 1.8 Limitation of the Study
- 1.9 Definition of Terms
- 1.10 Organisation of the Study
2.0 Literature Review
- 2.1 Conceptual Framework
- 2.2 The Concept of Insurance
- 2.3 Historical Background of Modern Insurance Business in Nigeria
- 2.4 Insurance Companies and the Nigerian Economy
- 2.5 Impact of Reinsurance on Insurance Company Performance
- 2.6 Reasons for the Use of Reinsurance by Insurance Companies
- 2.7 Theoretical Framework
- 2.8 Empirical Review
3.0 Research Methodology
- 3.1 Research Design
- 3.2 Model Specification
- 3.3 Definition of Variables
- 3.4 Method of Data Analysis
- 3.5 Nature and Source of Data
4.0 Results and Discussion
- 4.1 Result
- 4.2 Discussion of Results
5.0 Summary, Conclusion and Recommendation
- 5.1 Summary
- 5.2 Conclusion
- 5.3 Recommendation
1.1 Background to the Study
Generally, in developed economies, insurance business contributes significantly to the Gross Domestic Product (GDP). Insurance business is also seen as the backbone of any country‘s risk management system, since it ensures financial security, serves as an important component in the financial intermediation chain, and offers a ready source of long term capital for infrastructural projects in Nigeria (Augustine &Nwanneka, 2011). Similarly, insurance business plays a vital role in the Nigerian economy through risk bearing, employment of labour, payment of tax, providing vehicle for investors and other financial investment services, (Hamadu & Mojekwu, 2010). Therefore, it is important to ensure that insurance companies‘ in Nigeria are performing efficiently and significantly.
Insurance companies are the sellers and suppliers of insurance product in Nigeria. According to the Nigerian Insurance Act 2003, there are two broad categories of insurance business in Nigeria: life insurance business; and non-life (General) insurance business. It is permitted under the Nigerian laws for an insurance company to engage in both, life insurance and non-life insurance activities. Furthermore, insurance companies in Nigerian were established to provide insurance cover for life insurance and non-life insurance. The life insurance companies provide cover for individual life, group life, pension and health risks, while non-life insurance activities include those in respect to fire, general accident, motor vehicle, marine and aviation, oil and gas, engineering, bond credit, guarantee and surety ship and miscellaneous insurance.
Moreover, reinsurance companies in Nigeria were established to provide cover for insurance companies in Nigeria. The re-insurers also provide technical security and capacity for the insurance companies and do not supply insurance directly to the consumers (Hamadu & Majekwu, 2010). Moreover, in Nigeria, there are many international as well as indigenous insurance companies. Therefore, the formation of Insurance and re-insurance companies has to be with the approval of the Corporate Affairs Commission under conditions stipulated in Companies and Allied Matters Act, No. 1 of 1990 which was amended 2004. In addition, registration has to be made with the National Insurance Commission (NAICOM).
Globally, the performance of insurance companies is an important indicator of a thriving economy that could lead to an increase in Gross Domestic Product (GDP) of a nation, more specifically non-banking sector like insurance companies (USAID, 2012). Furthermore, the world economy has become more integrated; firms have been facing more and more pressure to disclose their business performance. In this view, regulators all over the world are negotiating and harmonizing global insurance regulations which could lead to greater standardization of insurance policies and promote globalization of the insurance value chain. So, a better understanding of the determinants of insurance companies‘ performance in Nigeria through an empirical study is of the interest of regulators and other market participants such as financial institutions that are eager to provide financing for insurance companies in order to enhance their performance.
Furthermore, for the past decade, measurement of companies‘ performance continues to be a critical area of social science research. Many authors paid more attention on modifying the traditional financial measures in developing models for performance measurement, while others have suggested non-financial measures (Irala, 2007). Moreover, the performance of a company can also be measured in the form of qualitative features like market position, quality of product, and goodwill of the customers (Kruger 2004). Some of the models used in assessing and measuring the performance of organizations include economic profit, residual income, economic value added, balanced score card, activity based costing, cash value added, shareholder value added, total shareholder return, cash flow, and return on investment.
Additionally, some shareholders, regulators and other stakeholders adopt several ways to compare organizations‘ performance. Lalith (2011) concentrated on variables like turnover, total earnings, profit before interest and taxes, earnings per share, total assets and share price in the measurement of companies‘ performance. However, the application of these variables varies from one industry to another. Therefore, this study utilizes companies‘ age, firm size, leverage, asset tangibility, liquidity, growth rate, solvency ratio, premium growth, equity as independent variables, while earnings per share, return on equity and return on assets were used as surrogate for performance. The choice of these variables has been motivated by numerous accounting and finance literatures reviewed in this study. Researchers use these internal environmental variables to measure the corporate performance as observed in the work of Irala (2007).
In the past decade, attention of regulators all over the world has largely concentrated on internal factors that affect performance of business firms. But since the signing of World Trade Organization (WTO) Agreement in Marrakesh City of Morocco in 1994, global competition and fast-changing of international policies has put great pressure on firms to give more concern on external environmental factors as one of the critical factors in strategic business planning and also as a factor that determine their performance (Azizi & Sidin, 2008). External determinants are the macroeconomic factors that influence the business decision of a company which are not within the control of the management. In the literature of external environmental factors, a number of checklists have been developed as ways of cataloguing the vast number of possible issues that might affect the performance of an industry. The political, economic, social, technological and environmental (PESTE) factors are the external environmental influences and factors that surround and affect business organizations. Kotler (1998) claims that PESTE analysis is a useful strategic tool for understanding market growth or decline, business position, potential and direction for operations. This means that business organizations must interact with those factors that influence their decisions, size, profitability and performance.
In order to get accurate results in this research work and to arrive at valid conclusion, the study implemented consistent methods that help in assessing the determinants of insurance companies’ performance in Nigeria. The researcher has chosen the variables of this study among many other variables that determine the firms’ performance based on the literature reviewed in this study. The variables used can be measured easily by using the data afforded by Nigerian insurance companies. It is against this background that this study has gained the importance in the corporate finance literature to assess and identify the determinant of performance of insurance companies in Nigeria. Since insurance companies in Nigeria are seen as intermediaries that would help to channel the funds in an appropriate way to enhance social welfare and overall economic development in Nigeria.
1.2 Statement of the Problem
The insurance companies are machinery to reduce the financial cost to individuals, corporate organizations, and other entities arising from the potential occurrence of specified contingent events in any economy. The production of insurance policies and its distribution often involve the creation of some sizable firm-specific assets, usually called franchise value, which could automatically reduce if the insurance companies experience severe financial constraint that will automatically leads to low profitability. Protection of those assets from loss due to financial difficulty therefore provides a significant incentive for adequate reinsurance and other forms of risk management tools.
Reinsurance is an integral part of the insurance market and plays the vital role regarding the financial stability of the global insurance markets (International Association of Insurance Supervisors, 2012). Therefore, the concept of sustainability and financial performance in Nigeria insurance industry has received significant attention from scholars in the various areas of financial institutions. It is imperative for all business stakeholders in any sector since financial performance is a major ingredient to organizational survival and ultimately its existence. High performance reflects management effectiveness and efficiency in making the use of a company’s resources and this contributes to the economy at large (Ansah-Adu, Andoh, &Abor, 2012). The insurance industry in Nigeria is a vital part of the entire financial system. Apart from banking business, insurance industry contributes significantly to financial intermediation of the Nigeria economy. As such, their success means the success of the economy; their failure means failure to the economy (Agiobenebo and Ezirim, 2002).
Measuring financial performance would be important in order to ensure long term sustainability of the life insurance companies and by extension the sustainability and vibrancy of the stakeholders (Onsongo, 2013). Measuring financial performance in the insurance industry is important in determining the stand and achievement of the industry. The sustainability of the insurance companies is important because of its key role on any economy. Therefore, the major aim of this study is to investigate the impact of reinsurance mechanism on the sustainability insurance companies in Nigeria.
1.3 Objectives of the Study
The aim of this study is to examine the effect of Nigeria reinsurance companies on the growth of insurance business in Nigeria (2000-2020). Specifically, the objectives of the study include to;
- To determine the effect of ratio of ceded reinsurance on the profitability of insurance companies in Nigeria;
- To determine the significant impact of net retention ratio on the profitability of insurance companies in Nigeria;
- To investigate the significant impact of net claim ratio on the profitability of insurance companies in Nigeria.
- To examine the significant impact of net commission ratio on the profitability of insurance companies in Nigeria;
- To ascertain the relationship between profitability, net retention ratio, net claim ratio, net commission ratio, and ratio of ceded reinsurance.
1.4 Research Question
The following research questions are formulated to guide this research:
- What is the effect of ratio of ceded reinsurance on the profitability of insurance companies in Nigeria?
- What is the significant impact of net retention ratio on the profitability of insurance companies in Nigeria?
- What is the significant impact of net claim ratio on the profitability of insurance companies in Nigeria?
- What is the significant impact of net commission ratio on the profitability of insurance companies in Nigeria?
- What is the relationship between profitability, net retention ratio, net claim ratio, net commission ratio, and ratio of ceded reinsurance?
1.5 Research Hypothesis
- HO1: There is no significant effect of Nigeria reinsurance companies on the growth of insurance business in Nigeria.
- HA1: There is a significant effect of Nigeria reinsurance companies on the growth of insurance business in Nigeria.
1.6 Significance of the Study
In the past years, reinsurance companies in Nigeria have undergone several reforms and transformations in order to enhance the performance of the insurance companies in Nigeria. But available statistics revealed that the performance of the companies is still below average. It is believed that this study would be informative to stakeholders and prospective investors by clearly revealing the current position of the performance of insurance companies in Nigeria. In addition, stakeholders of the insurance companies in Nigeria would be guided by this information to design a plan that would be used to improve upon the short-comings from reforms and other regulations in insurance business in Nigeria.
The results generated from this study would provide decisions on qualitative and quantitative measures to be used in selecting the real determinants of the performance of insurance companies in Nigeria. This in turn, would allow managers, owners, and outside investors to be better informed about the determinants of the performance of the carriers and how stakeholders may use these determinants to allocate their resources so that the carriers in this sector could become more profitable when alternatives are available to them.
This study was designed to benefit students and other researchers that might venture into future researches in this area. The study provides reference material for them since to the best of our knowledge no empirical research has been conducted on the effect of Nigeria reinsurance companies on the growth of insurance business in Nigeria using this methodological background.
1.7 Scope of Study
The study is designed to examine the effect of Nigeria reinsurance companies on the growth of insurance business in Nigeria. The study covers the period from 2000 to 2020. The variables used were ratio of ceded reinsurance, net retention ratio, net claim ratio, and net commission ratio.
1.8 Limitation of the Study
In the course of this study, the researcher encountered some limitations. There was paucity of data relevant to the completion of this work, hence, the researcher had to make use of secondary data sources that were verified and approved for use such as the National Bulleting of Statistics, and the Central Bank of Nigeria. Also, the researcher faced time constraints and had to combine the research with other academic activities and coursework. Also, the study considered four independent variables without considering other proxies that influence growth of insurance businesses in Nigeria, hence, the result may be different if other variables were to be added.
1.9 Definition of Terms
Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter.
Reinsurance is insurance that an insurance company purchases from another insurance company to insulate itself from the risk of a major claims event. With reinsurance, the company passes on some part of its own insurance liabilities to the other insurance company.
1.10 Organisation of the Study
This study is organized into five chapters. Chapter one included the background of the study, research problem, research objectives and questions as well as limitation of the study. Chapter two contains the literature review. Chapter three includes the methodology. Chapter Four contains the results and discussion of key findings of the study. Chapter Five finally looks at the summary, conclusions, and recommendations based on the findings.
5.0 Summary, Conclusion and Recommendation
This study was conducted to examine the effect of Nigeria reinsurance companies on the growth of insurance business in Nigeria (2000-2020). From the results, there is a positive relationship between ROA and Net Retention ratio of insurance companies in Nigeria where (r=0. 447, n=7, p=0.315). This indicates that significant relationship does not exists between ROA and Net Retention ratio of insurance companies in Nigeria, since their p-value is greater than 0.05 (level of significant).The study also shows a positive relationship between ROA and Net Claim ratio in the Nigerian insurance companies where (r=0.467, n=7, p=0.290). This indicates that the two variables do not significant to each other, since their p-value is greater than 0.05 (level of significant).
Furthermore, the correlation analysis shows positive relationship between ROA and Net Commission ratio in Nigeria where (r=0.363, n=7, p=0.424). This indicates that significant relationship does not exist between ROA and Net Commission ratio in the Nigerian insurance companies, since their p-value is greater than 0.05 (level of significant). And finally, the table reveals that there is positive relationship between ROA and Ratio of Ceded Reinsurance in Nigeria where (r=0.516, n=7, p=0.326). This indicates that significant relationship does not exist between ROA and Ratio of Ceded Reinsurance in Nigeria, since their p-value is greater than 0.05 (level of significant).
For Net Retention ratio (NRR), the study concludes that it has positive impact on ROA, and is positively correlated with ROA of insurance companies. This study also concludes that Net Claim ratio (NCR) has positive impact on ROA, and is positively correlated with ROA of insurance companies. The study further establishes that Net Commission ratio has negative impact on ROA of insurance companies. Finally, the study averred that Ratio of Ceded Reinsurance has positive impact on ROA of insurance companies, and also is positively correlated with ROA of insurance companies. Therefore, the study concludes that reinsurance proxy by: Net Retention ratio, Net Claim ratio, Net Commission ratio, and Ratio of Ceded Reinsurance.
Based on the findings of this study, the following are recommended;
- Insurance companies diversify their investment portfolios and embrace effectively, reinsurance cover for their businesses in order to diversity their risks.
- Insurance companies in Nigeria should put proper reinsurance programs into priority, taking into consideration characteristics of their underwriting documents and consideration factors such as past loss experience, size of risks and frequency of losses. It is important for insurance companies to have optimal retention levels in their risk diversification management basically to ensure favorable financial performance.
- Appropriate effort on the part of the regulatory bodies and stakeholders in the industry should be put in place that will ensure effective underwriting and claims management practices within the industry. As effective underwriting will result to quality business being written at appropriate premiums, which directly affects performance of insurance companies.
- Appropriate effort on the part of the insurance companies and their stakeholders in the industry to properly manage their claims. This will ensure the genuine claims payment, and reduced better loss ratios and ultimately increase underwriting profits
- Insurance companies in Nigeria should ensure that reinsurance commissions earned from reinsurance contracts cover acquisition costs.
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domain: finance


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If you have hip pain due to an auto accident or a fall, the discomfort can limit your mobility and affect your quality of life. Not only that, but the pain can also become chronic when it is left untreated. At Living Well Chiropractic in Gilbert, AZ, we offer various treatments that can reduce your symptoms and improve your well-being.
Causes of Hip Pain
Hip pain can develop due to a variety of causes. Some of these causes include:
- Spinal misalignments
- Nerve damage
- Auto accidents
- Sports injuries
- Hip fractures
- Degenerative disc disease
- Poor posture
Chiropractic Treatment for Hip Pain
When you visit us, we will begin with a thorough evaluation to learn more about your condition and to determine the root cause of your pain. Once we identify what is causing your discomfort, we can create a treatment plan for your specific needs.
Your care plan may include chiropractic adjustments. During these treatments, we will apply gentle pressure to the spinal column, joints, and other affected regions. This process helps properly align these areas and allow you to move freely without pain. Chiropractic adjustments can also relieve discomfort due to sciatica, which is a common cause of chronic hip pain. In addition to the adjustments, we offer complimentary services to help you feel better. Some of these services include the following:
- Spinal manipulation
- Pain management
- Nutritional counseling
- Corrective exercises
- Weight loss programs
Contact us for an Appointment Today!
At Living Well Chiropractic in Gilbert, AZ, we understand that hip pain can affect your day-to-day activities and prevent you from enjoying the hobbies you love. With the right treatment, we can relieve your discomfort and help you heal. To learn more about the treatments that we offer or to schedule your first appointment, contact our office at (480) 539-2774 today. When you’re seeking a chiropractor near me, we look forward to assisting you!

domain: medical


Hello everyone, sorry by write in english, hope you understand me.
I have an Citroen AX GT with 1.6 engine, C-2 VTS 16V block and 205 Rallye head with 41-33 Nimonic valves, 325º intake duration cam and 328º exhaust duration.
Months ago I started the engine in floor with the Sybèle ECU and Jenvey´s 45mm throttle bodies without problems, at the firts try the engine was running.
And now I´ve fitted the engine in the AX, but now the injection not works, I think not reads the rpm signal of one of the coil wires.
And fitting the violet wire from Sybèle to chassis to give the correct nuber of sparks every 2 turns of crank the Carabine leds after 30 seg. or more come to light from 1000 to 8000 rpm leds, lightening one to one....and the violet wire not works OK.
Anyone have with Sybèle this problem??
I´ve send 2 messages to Sybèle explaining my problem , but at moment I have not reply.


The original SickSpeedMonte Clutch Pedal Kit. This setup is unlike anything else available on the market. The other pedals mount the clutch master cylinder on your firewall. Simply put, the stock G-Body firewall is not designed to locate or support a clutch master cylinder. It ends up in the wrong spot, compromising the geometry of the system. Many who have mounted the master directly to the firewall have also reported stress cracks as well. My design relocates the master cylinder to optimize the kinematics of the linkage. It also supports it from the same area that your brake master cylinder is supported while spreading out the force and reducing stress on the firewall to an acceptable level.
Sure, you can buy a clutch pedal for cheaper elsewhere. But the pedal will take twice as much peak force to depress and closer to three times as much force to hold all of the way down. My setup has to cost more because I provide a bracket to correctly locate the master cylinder (which actually costs more and takes longer to fabricate than the pedal itself). I want your clutch pedal to be something you don’t have to think about, not something that detracts from enjoying the car.
- Clutch Pedal. (Re-use your stock brake pedal. Simply cut down the foot pad.)
- Master Cylinder Mounting Bracket. This bracket mounts the clutch master cylinder so that the pedal geometry is uncompromised. It supports factory style LT1 or LS1 F-body master cylinders, which are sold separately. The newer style McLeod master cylinder (made by Wilwood) is longer than stock and cannot be used without modification to the plumbing or the factory upper control arm. If you would like to use an aftermarket master cylinder, please see the other clutch pedal kit
- Both of the above items powder coated satin black.
- A pair of rubber pedal pads
- A pushrod boot to keep hot engine bay air from entering the cabin
- One pair of pedal pivot bushings with a pinch sleeve. The clutch pedal pivots exactly like your stock brake pedal. Replacements can be found at any parts store.
- Grade 8 hardware to mount clutch pedal and brake pedal on the existing brake pedal bracket, to mount the pushrod to the pedal, and to mount the clutch master cylinder to the bracket.
- Install instructions and information on placement of a hole to allow the pushrod to pass through the firewall can be found here.
What Else is Needed?
To complete the install, you will need an F-body master cylinder, a remote reservoir, and a clutch hydraulic line.
For any questions, you can contact me via email at bduplan [at] gmail.com


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rated for 0 + years
In his “Terence Davies Trilogy” (1984), the British director dealt with a deeply sad childhood. Dark, compellingly magical images formed his unmistakeable style.
“Of Time and the City” sees him return to his hometown of Liverpool and to his roots as a filmmaker. He traces the city’s atmosphere, that of today and that of
the 1940s and 50s, creating an iconographic and musical dictionary. A filmic love-song for Liverpool – and a funeral eulogy at the same time.


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by Lisa Lozano
Want to kick up your cuisine with minimal effort? Check out these four secret ingredients which will have your dinner guests going, "Hmmm..." wondering how you did it!
Secret Foodie Ingredient No. 1: Toasted Chiles
Ted shows you how to instantly up the flavor profile of your chili or Mexican sauces – just toast dried chiles on a cast iron pan until they start to smoke.
Secret Foodie Ingredient No. 2: Anchovies
Before you recoil in horror, hear Ted out. Anchovies will not dominate a dish, but they will add an earthy depth of flavor to punch it up. And they will melt right in, so no one will be the wiser!
Tip: Don’t salt your dish until after you add anchovies due to the natural salt occurring in the fish.
Secret Foodie Ingredient No. 3: Honey
Honey counteracts the acidity in a salad dressing, creating a beautiful smooth flavor. And honey reflects the vegetation of the area the bees live in, so a good local honey will reflect that.
Tip: After you’ve blended your other ingredients, stream olive oil into the open hole at the top of your blender while it’s going to create the perfect emulsion.
Secret Foodie Ingredient No. 4: Compound Butter
Compound butter is just another way of saying flavored or herbed butter. And Ted has some amazing suggestions for flavorings: thyme, red pepper, chipotle powder, curry, cardamom, rosemary… the possibilities are endless!
Tip: Serve at the table in a ramekin or chill in rolled logs and slice into discs.
What secret ingredient do you use to elevate your food?

domain: food


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U.S. Senate Republicans backed by a small band of rural-state Democrats scuttled the most far-reaching gun control legislation in two decades on Wednesday.
California Senator Dianne Feinstein said Tuesday a tentative agreement has been reached to end a dispute over agriculture workers that has been part of negotiations on a sweeping immigration overhaul.
U.S. Senator Dianne Feinstein is blaming the National Rifle Association and gun manufacturers for the reluctance among many of her colleagues to ban assault weapons and high-capacity ammunition magazines.
Senator Dianne Feinstein plans to force a Senate vote on her assault weapons ban proposal despite its removal from a broader gun control package being pushed by fellow democrats.
An assault weapons ban won’t be in the gun-control legislation that Democrats bring to the Senate floor next month, a decision that means the ban’s chances of survival now are all but hopeless.
A Senate committee approved an assault weapons ban Thursday on a party-line vote that signaled how difficult it will be for the proposal to survive in the full Senate.
Senator Dianne Feinstein called for a new assault weapons ban at an emotional Senate Judiciary Committee hearing on Wednesday, where a father of a victim from the Sandy Hook tragedy testified.
A handful of guns rights supporters gathered in front of California U.S. Senator Dianne Feinstein’s San Francisco office to protest her proposed assault weapons ban. Meanwhile she faces an uphill battle on Capitol Hill to push her assault weapons ban through a senate judiciary committee.
Sen. Dianne Feinstein, who’s leading the push to restore an assault weapon ban, acknowledged on Sunday that the effort faces tough odds to pass Congress and she blamed the nation’s largest gun-rights group.
Congressional Democrats are reintroducing legislation to ban assault weapons but the measure faces long odds even after last month’s mass school shooting in Newtown, Conn.

domain: law


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I've continued working on the data editing tools I've talked about in previous updates. It's finally coming together and I've been able to start editing cards with it. There's still a bit more to go, particularly in game, with supporting the extra data I've added to vocabulary and cards.
Kristy's art updates are a lot more interesting:
This week I continued developing the Flashcard Clash app icon.
App Icon – Logo Badge
First I started exploring how to present the Numbat Logic logo on the Flashcard Clash app icon. We'd established that the logo badge would appear on the bottom right corner of the app icon (this position best suited the icon designs) so now it was a matter of creating the badge shape.
To simplify the design and avoid legibility issues at smaller app icon sizes, I opted for using the logo alone, without the “Numbat Logic” logotype. From there I started building shapes that would house the logo while not fighting for attention with the app icon design.
Since the bottom right corner of the app icon is automatically rounded to approx 180 radius when posted on the Apple iTunes store, it really came down to how the top left of the logo badge would interact with the remaining app icon area.
I looked at various curves from full circles, to squares with rounded edges. How the logo stamp flowed back into the app icon edge was also considered, using perpendicular lines or rounded, concave curves.
The various design options can be viewed in the image below. They're presented in both white on orange and orange on white – the Numbat Logic colour palette.
At the end of this design pass, I selected the soft sloping badge shape with the slight concave curve (3rd column, bottom) to use in the app icon design process. Overall, this shape felt harmonious with the app icon, whereas the sharp edged shapes felt obtrusive and dominant.
App Icon – Sketches, Rough Colours & Size Testing
Continuing from last week, the rough paper and pencil sketches were transferred to the computer where they were redrawn and refined in Photoshop.
Here are the four cleaned up sketches.
After reviewing the designs with Adam, we decided to proceed with design #2 and #4 (top right and bottom right). The next step was to explore these two design in colour.
Since we're keeping in style with the in-game graphics, the colours of the Adventurer were already established. For the background I wanted to find colours that contrasted with the Adventurer (and flash cards) and evoked a sense of excitement and the RPG world.
In both designs, blue and purple stood out the most. The blue being reminiscent of the sky and journeying through RPG worlds. Purple relating to magical elements and a colour that frequently appears in game.
The next step was to test our favourite colour schemes to see how they would appear at various icon sizes (48px, 72px, 96px, 144px, *192px, *1024px).
*192px & 1024px are not pictured below.
We couldn't pick a clear winner, so I'll be proceeding with the vector stage and see if one stands out then.
Characters – Setting Up the Pyromancer
An extra side project for the week was helping set up the Pyromancer character for animation and creating a couple of additional assets.
When creating the vector assets of a character, it can be difficult at times to tell how well the parts will convert into animation. This requires some trial and error, and collaboration between artist and animator.
In this instance, the Pyromancer's fireball attack didn't quite translate well, leading to a broken model in the second key pose. Thanks to our animator, Ariane, for supplying screenshots of the Pyromancer setup in Spine, I was able to provide draw-overs to adjust and (hopefully) fix the broken pose.
The draw-over helped me to discover the need for an additional hand to indicate 'letting go' of the fireball in the throwing pose. So I quickly vectored that up for Ariane to use.
Here's how the new hand will look in action, following on from the original hand that 'holds' the fireball.
And that's all for this week!


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With Yoenis Cespedes signing a 4-year deal with the Mets yesterday, that left some questions as to who will be remaining with the Mets in 2017. The Mets currently have 6 outfielders, Granderson, Bruce, Cespedes, Lagares, Conforto, and Nimmo. That's obviously an unnecessary amount of talent to keep on the bench. The Mets need to move someone or maybe multiple people because they don't have enough AB's to go around.
The more conventional approach would be, trade away either Granderson or Bruce since they're in the last years of their deals and they're both set to make well over $10 million. You can get more for Bruce than Granderson at this point in their careers, but I don't think the Mets should have any problem finding a buyer. Granderson is set to make $16 million, so it might be a little harder to dish him, and you'll probably get less in return. Regardless, someone needs to go because having 6 outfielders is downright unnecessary.
Here's my master plan for what I think the Mets should do in this situation. Keep Conforto, Lagares, and Nimmo, have those three split time in right/center field. Trade Granderson for some mid tier prospects and maybe a decent lefty specialist for the bullpen. Trade Bruce for a catcher, anyone is better than D'Arnaud, I mean catcher is not the position you want your biggest question mark at, so address that issue by trading Bruce. Now you got your outfield situation cleared up, you have a better catcher, a nice little lefty specialist, a couple prospects, and most importantly you just freed up over $25 million in the budget. This is where I win the Mets the 2017 World Series, with the money you just saved from those guys now being off the roster it's time to make a big splash in free agency. Oh wait, all the position player spots are taken and the rotation is already 7 deep, who could the Mets possibly need you might ask. Kenley Jansen. The Mets pick up one of the best young relievers in baseball, creating their own three headed monster in the back of their bullpen with Reed, Familia, and Jansen. That'd be the best pitching staff baseball has ever seen and it'd be almost impossible for the Mets to not win the World Series with that starting staff and those monsters coming out of the bullpen to seal the deal. Sandy Anderson can thank me later, time for him to step up big time once again at the winter meetings, playing all his cards the right way, and pull off one of the greatest offseason moves in the history of baseball.
Mets fans can finally exhale, the big bat that makes the Mets offense flourish is back in New York for four more years. The deal includes a full no trade clause, $22.5 million the first year, followed by $29 million the following two seasons, and its capped off with $29.5 million in the final year. This signing is a big win for the Mets, you get back your big bat, you don't get suckered into an overly extensive 5+ year deal, and you keep it under $30 million a season throughout. Tip of the cap to Sandy Alderson for another job well done. The Mets lineup should be better than ever before, with Cespedes, Bruce, Walker, Duda, Wright all healthy, this Mets team just became a very legitimate World Series contender. People tend to forget the Mets were absolutely decimated by injuries last season, now they've added a bunch of pieces because of last years health issues, and they got the injured guys back. Mets now have a ton of depth both in the rotation with Gsellman and Lugo showing they can pitch effectively at this level, and in the field with guys like Reyes, Flores, and Conforto all available off the bench at anytime. The Mets are now prepared for the events that unfolded last season. They now have a legitimate backup, Jose Reyes, for when Wright goes down again in 2017, or just simply needs days off for his back problems. They now have 7 legitimate starters despite losing Bartolo Colon to the Braves this offseason, that's also assuming Wheeler ever pitches again because he's been out for a very long time. No team has young pitching like the Mets and the depth they have is actually unreal, could also be potential trade bait at the Trade Deadline if they want to make a move for somebody. The Mets could use some bullpen help, so look for Alderson to try to find some nice middle relievers in free agency to sign. I doubt the Mets will be signing anyone with a big name since they just signed Cespedes to a monster deal, but they could still add some low key middle relievers to come in and tighten up that shaky bullpen. All in all, Sandy Alderson got the most important offseason task out of the way, bringing back the Mets offensive engine, Yoenis Cespedes. Oh yeah, anyone that thinks this is a bad signing, please do yourself a favor and keep your idiotic opinion to yourself. The Mets are a .500 team without him in the lineup and a championship caliber team with him in the lineup, just look at the numbers, they don't lie.
With Brian McCann off the the roster, the Yankees find themselves with a wide open spot for DH. Not much was thought of the McCann trade other than the fact that it freed up some space, so the young guys could get more at bats. Guys like Tyler Austin, Rob Refsynder, and Aaron Judge would all benefit from this move since the roster spots are limited with so many positions already filled. Those young guns shouldn't be getting too excited just yet because an old head might be coming for their job. Multiple reports have said there's some interest in bringing back Carlos Beltran, who before being traded away the day of the trade deadline was our best hitter. He batted .300, hit 20HR's, and drove in 60 RBI's for the Yankees last season. After we dealt Beltran not only did the team get better, but Beltran got worse, he clearly showed signs of himself slowing down, and I really couldn't tell you how effective he'll end up being this year. I'd take Beltran though, I'm all for it, he was my favorite Yankee player on the team last season before being traded, now Sanchez has taken that throne, but oh well doesn't hurt to have multiple players that you admire. Beltran wouldn't have to play the field anymore with the DH spot now open, that's huge because he's a total liability in the field. Beltran numbers won't be close to last years, I'm being realistic, if he can hit .270 with 20 dingers though, I'll be happy with him being our DH. No doubt he'd be a great veteran presence in the lockerroom, you'll never hear anyone complain about having a future HOF, and champion in the clubhouse to show the young guns the ropes. I'm all for this move, Cashman has pushed all the right buttons recently, so anything he decides to do I'm going to believe in. Cashman is setting up a dynasty, he wants a few more rings, Beltran won't be apart of that, but he will be apart of our current success, which Cashman is doing a great job of winning and staying competitive while building for the future. Take notes fellow GM's, Cashman is showing you all how it's done, except Theo, Theo keep doing you, it seems to be working just fine.
No disrespect to Michael Fulmer, kid had a helluva rookie season, but how did the 'Baseball Writers of America Association' manage to screw this up so badly. Subconsciously I had a feeling this would happen, Sanchez only played in 53 games, so I knew some of these writers would be against him for that. For what reason, I could not tell you, the fact he only played 53 games makes his resume that much more impressive in my eye. Sanchez hit 20 homeruns, had 42 RBI's, batted .299, and posted a 3.0 WAR in just 53 fucking games, those are unheard of numbers. Now, Sanchez maintaining that insanely elite level of play for the entire season might be a little far fetched, let's say he did though, he would've hit 60 homeruns, 126 RBI's, and 180 hits. Obviously he wouldn't have put up those numbers, but in an extra 109 games he would've been able to get all those numbers way above what they were at, and they were already very impressive offensive numbers for a catcher. Yeah, let's not forget this kid is also calling the games, moving around like a cat behind the plate, and has a straight fire hose for an arm. I respect what Fulmer did, he had an outstanding rookie season, he won his team 11 games, but Sanchez got a .500 Yankees team to be in playoff contention despite trading away 3 of their best players at the deadline. Anyone that says Sanchez wasn't the reason the Yankees were able to be in the playoff chase for as long as they were, must have some sort of mental retardation if they didn't see the clear correlation between when he was hot we were winning, and when he wasn't hot the Yankees were losing. Fulmer somehow not only won the award, but he won by a landslide receiving 26 first place votes, meanwhile Sanchez received 4, so now they're trying to tell me that Fulmer was the clear cut winner without hesitation, that's bullshit. If they felt the need to cater to Mike Fulmer because he played basically the entire just name them Co-ROY's, don't screw over Sanchez cause you don't want to hurt Fulmer's feelings. I want to apologize to Gary Sanchez on the behalf of the douschebag baseball writers of America Association, you were unjustly robbed of what was yours, and I fully understand that you'll go on a tear in 2017, and prove that you should've clearly won the award by putting up huge numbers in your first full season. El Gary didn't need more motivation, he clearly is motivated to win multiple championships with the Yankees, but the El Gary revenge tour has begun, and all pitchers in baseball can thank those asshole writers for making Gary Sanchez do this to them. They can keep the ROY award, we'll see who finishes with the better career, I got my money on the guy in pinstripes. Here's a little refresher of how much a beast El Gary Sanchize is:
The 42 year old knuckleballer has decided to put off retirement for at least one more year, signing a one year contract with the Atlanta Braves today confirmed that. The Braves starting rotation is actually dreadful, the only name that's noteworthy is Julio Tehran, everyone else on the staff is very replaceable. Dickey isn't a huge upgrade by any means, he had a 4.40ERA with Toronto last season, pitching 169.0 innings, and he posted a record of 10-15. Now if he's posting a record of 10-15 with the Blue Jays, imagine what that record will look like without the heavy run support from a high powered Blue Jays offense. Dickey has been in the MLB 15 years, he's had 3 really good years, all with the Mets, and had a couple decent seasons with Toronto after that, but with the Mets he was an absolute stud. He won 39 games in 3 seasons with the Mets, let me also remind you the Mets were absolutely dreadful those years, and he won a Cy Young award with them as well. Will we see those glory days when he plays for another bad team like Atlanta, very very doubtful, but I'm all for letting fans hope before they get their hearts ripped out by the reality of the sport. Dickey's stuff just isn't what it once was, is that because he finally made his mark in the big leagues, he got paid so he lost all ambition, became content. I doubt all those things too, he's old, his elbow is probably shot, and although knuckleballers don't need to throw very hard Dickey tends to throw his knuckleball at a much higher velocity than most. Not sure exactly why Dickey decided to come back, was it for the love of the game, we certainly know it wasn't to play competitive baseball since the Braves will probably be the worst team in the NL east again, so I can't really put my finger on this, maybe he just wanted to keep collecting checks. I'm routing for Dickey though, this man has had a rough life, his baseball career took about 15 years to finally take off, so if he's just their to collect a check that's cool too, this man worked day in day out without so much uncertainty, and his gamble on himself paid off, he made a good MLB career out of nothing. Welcome back R.A. Dickey, I look forward to watching you shutdown the Mets several times this season.
Today, Brian Cashman told reporters that he has spoken to Aroldis Chapman along with some other free agents already about joining the Yankees. Cashman is looking at pitching this offseason since there's no real place for position places to be signed unless he makes a trade and opens up a spot for someone. The only thing is the free agent pitching market is very thin in the starter department, the reliever department is a different story, with the likes of Aroldis Chapman, Kenley Jansen, and Mark Melacon all available this offseason. Hearing Cashman say that he has already been talking to Chapman meanwhile he was playing in the World Series just 4 days ago just shows how badly Cashman wants the flame throwing lefty back in NY. Getting Chapman back would be a huge upgrade to a bullpen that held together well for about 6 weeks after trading away Miller and Chapman for prospects, but struggled mightily down the stretch when they were needed most, adding Chapman back will elevate them back to one of the best bullpens in the league without a doubt. How much of an evil genius will Cashman look like if he can get Chapman back, trades him away to the Cubs for their #1 prospect Gleybar Torres, who might I add is killing it in the Arizona fall league, just to get Chapman back the next season. We probably wouldn't have made the playoffs anyways so sending Chapman to Chicago as a rental for their #1 prospect just to get Chapman back a few months later would be the ultimate robbery. Granted the Cubs did accomplish their goal of winning the World Series so they got exactly what they wanted out of this trade, but the Yankees could be getting the last laugh in the long run if Torres becomes the stud we expect him to be, and if the Yankees are able to sign Chapman back. Love seeing Cashman being so proactive this early in free agency, it's a sign of good things to come hopefully because lord knows we need a ton of help in the pitching department if we want to make a postseason run this year.
When you think of the Cubs and the World Series, you think of the billy goat, the black cat, and Steve Bartman. I had no problem with people using the first two as a scapegoat for the Cubs misery, but I always thought the whole Bartman scenario was way outta line and frankly disgusting. It was outrageous because the play itself had no impact on the game, Alex Gonzalez cost the Marlins that game forgetting how to field a ground ball, of course he didn't catch any of the blame even though he was actually on the field, the quiet kid just trying to enjoy his favorite team was the one that sabotaged the Cubs chances of winning that game right. I really find it so ridiculous, I get very emotional about sports, I'll be the first to admit sometimes I take it way too seriously, but on that night alcohol mixed with misery ruined the life of a young man. Ruining his life may be a little extreme to say, Bartman is a smart kid with a good head on his shoulders so I'm sure he's doing fine now, he's apparently a very happy guy, but the guy is still scared to be in public, and still gets death threats 13 years later. I'm sure that'll end now that they won, but seriously death threats, you gotta be fucking kiddding me, what kind of a person would kill another person over a baseball game, I'll tell you, a clinically insane person. All the fans that threw trash at Bartman that night, that yelled profane comments towards him, that sent death threats to his door step don't deserve this World Series championship, as a matter of fact they don't deserve to enjoy sports because they ruined that for this poor guy. This guy went into hiding because he was scared for his life, you ruined his public image, all because he was a normal dude reaching to catch a baseball, let me tell ya there was about 10 other hands up around him, the ball just so happened to hit his hands. Bartman after years and years of suffering seems to be doing just fine, he doesn't speak publicly or do interviews with any people of the media, but his lawyer Frank Murtha does release statements on his behalf every once in awhile. Most recently after the Cubs won Murtha said "he was just overjoyed as all Cubs fans were" and he also said that Bartman would not be attending the parade. He won't be attending the parade for the same reason he doesn't do interviews or ESPN 30 for 30's he's a humble man that just wants to live a regular life. Bartman never asked to be the most recent face of Cubs failure, he didn't want the fame, he just wanted to be able to fit in with the crowd at a Cubs game, and you wouldn't even let him do that. He doesn't want to take the attention away from the team and what they accomplished, I respect the shit out of that, Bartman is a true fan, unlike all you drunk fuckers who decided to ruin a good man's public image that day. Now all those same fans who bashed him have the nerve to ask him to come to the parade and throw out opening pitches, Bartman never asked for that, all he wanted was to enjoy a Cubs baseball game in peace, and now he'll never be able to do that thanks to a sour fan base. Congratulations Cubs fans you finally got your World Series championship, doesn't change the fact that you as a fan base ruined the life of one of your own.
The Phillies have signed former outfielder and broadcaster, Matt Stairs, to be their new hitting coach. Stairs, who spent 19 years in the big leagues, spent the last three years after retirement as the Phillies color commentator for the TV broadcasts. As Stairs puts it, “Honestly, the last three years, by sitting in that booth, I can tell you the good, the bad, and the ugly of every swing. I was a hitting coach to the fans, now I’ve become a hitting coach to 25 players. I just love hitting. And I’m not tooting my own horn, but I know hitting. A lot of people might think, ‘He was the guy that swung from his heels to try and hit home runs.’ That was only later in my career. I can break down a swing.”
And I can tell you from watching the broadcasts that this man knows hitting. His analysis and critique of the finer things in baseball were an absolute treat as a viewer. While I'm sad to see that he's out of the booth, I'm excited for the young guys coming up. Matt Stairs is gonna be a great hitting coach because this man has seen some shit over the years. He grew up a hockey player in Canada, so you know he's tough, eh. He played in Japan for a year and then 19 years in the bigs, with one of the biggest swings in Philadelphia Phillies history:
The players already know him so he's not some new guy trying to change everybody's swings. Now if he can just teach Maikel Franco how to lay off pitches and go the other way then we're cooking with gas. Phillies World Series Champs 2017 you heard it here first. Mickey Moniak for MVP. Matt Stairs Hitting Coach of the Year.
The Chicago Cubs, the lovable losers, have finally reached the pinnacle of baseball after 108 years of heartbreak, struggles, and curses. No more next year, the unthinkable has finally happened, the Chicago Cubs are the 2016 World Series champions, and yes I'm just as shell shocked as you. It's been about 18 hours now since Kris Bryant threw the ball to Anthony Rizzo to record the final out of the World Series, officially ending the longest championship drought in history. I wasn't necessarily rooting for either team in this series, although as the game was winding down last night I found myself rooting for the Cubs subconsciously, I guess a part of me wanted to witness the crazy historical moment that last night was. Generation after generation of Americans, some Cub fans, some just baseball fans in general, came and went in life without getting to witness the Cubs win a World Series. One of the more historical franchises in the history of the game, the Cubs longevity in the league, their iconic field, and their history of dramatic theatrics surrounding their franchise has transcended them into the category of elite baseball franchises despite not being able to win the World Series in over 100 years. Clearly I'm not going to do my usual run down of the game because I could never do justice to the magnificent piece of art last night's game 7 of the World Series was, if someone gave the best movie script writer in the world, so Quentin Tarantino, a piece of paper, and said write out the best game 7 possible, it wouldn't have come close to matching the emotional roller coaster that was last night's game 7. Last night was one of the crazy sports memories that makes you want to have kids and grandkids just so you can tell them the amazing story of the 2016 World Series. At least 5 times throughout this game I was like oh that's it the Cubs won, and then oh shit never mind the Indians got this, it was literally one of if not the best baseball game I've ever seen played. Not in regards to how the game was played because their was a bunch of errors and questionable managerial calls, but in terms of excitement and dramatics, last night takes the cake. You know a game is of a huge magnitude and has really captured the attention of the public when you have people that never talk about sports talking about last night's game, and that's all that was talked about at the water cooler today at work, or water fountain if your still in school. 2016 has been a special year in sports, one of the greatest finishes to a college basketball final ever, Cavaliers made one of the greatest sports comebacks of all time against a team that was arguably going to be the best ever, and the cherry on top was the Cubs breaking a 108 year World Series drought while winning in the most dramatic of fashions. For everyone that says baseball is boring, last night proved your an idiot that knows nothing about entertainment. Congratulations to the city of Chicago, the wait is over, the day is finally here, the World Series trophy finally returns to Wrigleyville tomorrow morning, and I expect that parade to be the craziest spectacle in the history of Chicago. 108 years of anticipation should lead to crazy events at the parade, if you thought the Cleveland parade was nuts, you haven't seen anything yet, I'll be shocked if Chicago is still in tact by the end of the day tomorrow. 2016 was a helluva year for baseball, with the Cubs curse headline now dead, I foresee baseball dying out a little more, but we shall see. Looking forward to the 2017 season already, only 4 more months till opening day!
2,466 games have been played in the 2016 MLB season, and it all comes down to the 2,467th game of the season to decide who the 2016 World Series champion will be. Game 7, there's nothing better in all of sports, one game to decide it all, anything can happen, Anthony Rizzo summed it up best last night after the game saying "if you lose, you go home, if you win, you're a hero." That's probably the best way to sum it up for these teams, the loser heads home with nothing to show for a hard fought season, and the winner will be forever idolized in their city, that's just the beauty of sports. The two longest World Series droughts in their respective leagues, one team's misfortune will finally have to change, and it will all be decided on a November night in Cleveland. As for last night, the Cubs weren't going home without putting up their best fight, and what they threw at the Indians last night was way too much for them to handle. The Cubs bats have finally come alive in these last two games, Kris Bryant,who has been the teams sparkplug all season, hit another home run in this game, his second in this World Series. As Bryant and Rizzo go, the Cubs go, so they needed Bryant to finally start coming around in this series, since Rizzo has been pretty hot since his bat change. The biggest hit of the game came in the 3rd inning from probably the smallest guy on the team, Addison Russell, not only was the biggest hit distance wise estimated at 435ft, it was a Grand Slam that would put the Cubs ahead 7-0, basically assuring all baseball fans of a game 7. Addison Russell, who has struggled mightily for the Cubs this whole postseason has stepped up in big spots, along with the Grand Slam he also had a RBI double earlier in the game, making his RBI total 6 for the game, tying the record for most RBI's in a world series game. Rizzo put an exclamation point on this game late with a deep blast to rightfield that drove in 2 making the score 9-3. Jason Kipnis was the only Indians player that really showed up for game 6, he had a homerun, a double, and scored 2 of the Indians 3 runs. Other than that, this game was all Cubs despite some moments when bases were loaded for the Indians and the Cubs were fortunate enough to get out of the jams unharmed. At the end of the day all baseball fans got what they wanted, one last game to decide the World Series champion. Will this be the year of Cleveland returning to the Mount Rushmore of great sports cities, or will it be the year that a curse is broken, that a 108 year drought is quenched, the year that Cubs finally return to baseball immortality, find out tonight when the Cubs and Indians face off in the 2,467th baseball game of the year.(No one fact check that math)
Djack- Chief editor


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Report: Gay Men Have Almost 80% of Syphilis Cases in England
Newly released results on the number of people affected by sexually transmitted diseases in England put gay men at the top of the list.
According to governmental agency Public Health England, gay and bisexual men make up 79 percent of all syphilis cases in England and they've seen a 37 percent rise in gonorrhea.
A total of 10,754 men who have sex with other men were diagnosed with the bacteria, commonly known as "the clap." Bringing the number of infected people up to 58 percent since the last study in 2009.
The PHE said that the high numbers are in part the results of increased testing, but unprotected sexual behavior has also contributed to the rise.
"There have been significant improvements in screening in recent years, particularly for gonorrhea and chlamydia among young adults and men who have sex with men, so we are diagnosing and treating more infections than ever before," said Dr. Gwenda Hughes, PHE head of Sexually Transmitted Infection surveillance, as quoted by the Gay Star News.
"However, these data show too many people are continuing to have unsafe sex, put themselves at risk of STIs and the serious consequences associated with infection, including infertility."
MSM also make up 17 percent of chlamydia cases, 11 percent of genital herpes diagnoses and 9 percent of all the genital warts diagnosed.


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Feeding More Together
Committed to feeding our communities.
Publix and Publix Super Markets Charities give to local food banks and other nonprofits each year, and some donations are made with the generous help of our customers and associates. For instance, through the Feeding More Together program earlier this year, Publix matched customers’ dollar contributions to local food banks with an equivalent value of fresh produce. Our combined donations totaled nearly $10 million and will provide 100 million meals to help alleviate hunger in our communities.


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