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For many CFOs, the past few years have seen a massive change in their role. According to Deloitte, many CFOs today have seen a change in their role from being traditional gatekeepers to strategic business advisers. This especially holds true for businesses that turn to CFOs to drive not only their financial but business growth as well.
Many CFOs today now play a more central role in driving change and innovation across their organization, which is why it has become a need for them to be receptive to new ways that can help drive business growth.
Finance Technology as a Catalyst for Transformation
Deloitte notes that 71% of CFOs believe that Finance is a driver and supporter of firm-wide growth, innovation, and transformation activities. In recent years, more CFOs turn to new technologies to improve organizational and financial processes. From this observation alone, one can say that finance technology has been a central force in successfully driving digital transformation in most businesses today.
Today, 71% of CFOs in the same Deloitte survey are thinking about investing in enabling technologies to support innovation and growth throughout their organization.
If you look closely into why more CFOs are adopting new technologies and FP&A software, this is because deploying the latest technologies to deliver better operational efficiencies internally can help companies innovate the finance function.
Automation, for example, can help finance teams improve their processes to be more efficient especially in the area of transactional processing. Automating rigorous tasks in the financial department can also help free up finance teams, so they can focus on tasks that add more value to their overall organization.
Finance technology also drives better accuracy in data gathering and reporting as well, which can empower the CFO to make strategic decisions that drive business growth.
Transforming Your Finance Department with Performance Canvas Financials
Today’s CFOs are faced with a difficult challenge of steering their business through the current COVID-19 crisis, while constantly facing the threat of disruption. For this reason, CFOs must not only make the most of their expertise to minimize operational costs, they must be open to adopt new technologies or software that can make internal processes more systematic and efficient, gather the insights needed to make better decisions, and promote innovation throughout their organization in a way that drives real and tangible results.
As change agents, it is crucial for CFOs to constantly find new ways to sustain performance and grow their organization, placing them under increasing pressure to manage disruption effectively. Whether this entails adopting new business models or new sustainable practices, CFOs must constantly be receptive to new initiatives that can bring better business growth.
However, legacy software and traditional methods embedded in most organizations can limit finance leaders in driving profitable growth. It can also limit their visibility of the company’s performance, making it difficult to measure performance and set priorities on initiatives that can promote future growth.
This is where new financial planning, budgeting, and reporting software like Performance Canvas can help CFOs.
How Performance Canvas Financials Can Help
Performance Canvas is simply an add-on software to an organization’s existing Dynamics 365 finance platform that offers an all-in-one unified solution for financial budgeting, forecasting, reporting, consolidation, and even metrics tracking and management.
Performance Canvas also delivers modern best practices out-of-the-box such as live forecasting, driver-based budgeting, unlimited what-if analysis, allocations, and multiple assumptions. It empowers CFOs and their organizations with data-driven insights to be more competitive and responsive to a more volatile and highly competitive business environment.
If your current finance software lacks the ability to scale and is limiting your ability to innovate, then it just might be time for a change.
Learn more about how Performance Canvas can empower your business with the benefits you can only find from today’s latest finance technology.
Get in touch with the PCF team today.

domain: finance


Join Us for Film Night!
Come join The Hamer Sprout Fund watch 2040, a film about what the future could look like if we put together the best that we have available.
Award-winning director Damon Gameau (That Sugar Film) embarks on a journey to explore what the future could look like by the year 2040 if we simply embraced the best solutions already available to us to improve our planet and shifted them rapidly into the mainstream. Structured as a visual letter to his 4-year-old daughter, Damon blends traditional documentary with dramatised sequences and high-end visual effects to create a vision board of how these solutions could regenerate the world for future generations.
Film starts at 7pm, so come meet us from 6pm for a drink and a catch up in the Cinema Nova bar area.
We will head afterwards to Eva on Drummond (formerly Markov's front bar)
Tickets are $28 (plus $1.16 booking fee) which includes a donation to the Sprouts.
Can’t wait to see you there!


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Botanical Border - Signature White Textured Thank You Cards ,
Bursting with crisp and contemporary charm, a refreshing garden theme gives these vibrant thank you cards from Cat Seto a bold look that your friends and family members are sure ...
Lace Frame - Signature White Textured Thank You Cards with
Square Corners, Pretty and posh, this charming thank you card from Fine Moments features a lacy design and sweet, elegant colors that are sure to delight!.
Antique Lace - Signature White Textured Thank You Cards ,
A unique pattern reminiscent of vintage lace covers the background of this elegant thank you card from Tallu-lah, offering a sweet and sophisticated twist on classic wedding style..

domain: design


Paint the Town Blue: Yakima!
The Young Democrats of Washington headed back to Yakima this past weekend for our second annual installment of Paint the Town Blue! Our weekend long excursion kicked off friday night when YD’s from across the state convened at Johnny’s Lounge.
Early saturday morning we met up with volunteers to support our YDWA priority candidate, Dulce Gutierrez. We were very excited for the chance to help out Dulce’s campaign give the recent redistricting of Yakima City Council districts. We knocked on 496 doors and had many in depth conversations with voters and members of the community.
After a successful day of doorbelling we enjoyed a massive pizza at Russillo’s Pizza and Gelato (featured below!), and then headed to the Yakima County Democrats headquarters for a discussion on voting rights with Vickie Ybarra and chair of the Yakima County Democrats, Susan Palmer.
We ended the day with a quick trip to Yakima’s indoor trampoline park, “Get Air”.
Many thanks to the campaign of Dulce Gutierrez and the Yakima County Democrats for making our Paint the Town Blue one to remember!


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BERLIN – Wednesday’s blizzard and associated white-out conditions caused a multi-vehicle pile-up on Route 113 just south of Berlin, sending five unidentified victims to the hospital.
Shortly after noon on Wednesday, during the latest severe winter storm with white-out conditions, a domino-effect pile-up occurred on southbound Route 113 just south of Berlin.
According to Worcester County Sheriff’s Department Public Information Officer Sgt. Ed Schreier, blinding conditions on the highway caused a first vehicle to slow to a stop, followed by a second vehicle that came up from behind it. A tractor-trailer then arrived behind the first two vehicles, but could not stop to avoid a collision, according to Schreier.
“Due to white-out conditions, the tractor-trailer could not stop and plowed into the two vehicles that had slowed or stopped,” he said. “The truck then jack-knifed and overturned, blocking the entire roadway.”
While that portion of the accident came to a rest, it triggered a serious of other collisions behind the initial incident. A vehicle approaching the accident scene slowed down to a stop and was hit from behind by another vehicle, which was struck from behind by a third. A second tractor-trailer then came upon the accident and slowed to a stop before being struck from behind by two more vehicles.
A total of nine vehicles were involved in the massive pile-up from start to finish. Five individuals were taken to the hospital, each with non-life threatening injuries, although two were listed in serious condition. The identities of those injured in the multi-vehicle collision have not been made public pending the outcome of the investigation.
The accident closed Route 113 in both directions as police, fire and emergency services got the injured individuals out of the wreckage and transported them to the hospital. No less than a dozen two trucks responded to the scene to help remove the vehicles involved from the roadway.
Traffic backed up in a single lane on southbound Route 113 behind the accident from Harrison Rd. practically back to Berlin as cars stood stopped for at least an hour and a half as conditions steadily deteriorated. Finally, State Highway Administration (SHA) officials told the stopped vehicles to make a U-turn and return north in the southbound lanes back in the direction of Berlin.
At least one witness attempting to head south on Route 113 to her home on the eastern shore of Virginia had to be re-routed through Salisbury, making her trip home in the blizzard about three hours compared to the normal 45 minutes.

domain: news


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This is a custom Bougainvillea tree that we make with our designers.
This incredible Bougainvillea tree surprises because it is the same as a real one, we use natural trunks and the best flowers. We can mold it into a particular shape by decorating doors or windows. The vibrant color will illuminate the space and give it a unique freshness.
We also make it to measure you can consult us!
The container is sold separately. Planter 12″D 15.5 H


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The company aims to increase production capacity to around 3,500 units a month to bring down the waiting period.
Rakesh Srivastava, Managing Director Nissan Motor India told PTI, “From February, the third shift has started. Now we are ramping up the production. We believe that going forward we should be able to take up this production, which is currently in the range of around 2,700 per month to close to around 3,500 per month in the next three months.”
He also said, “This is the plan as of now, but this could be challenged by way of semiconductor shortage or shortages in terms of components or the Covid.”
When asked about supply chain issues, Srivastava said, “The semiconductor situation has not improved and the challenge is only growing. The shortages are very strong in the market. Normalisation will happen only after July. Currently, the challenge is still there and it is only increasing.”
He further said that preference for personal mobility driven by COVID-19, availability of liquidity in the market with lower interest rates and availability of credit has fuelled sales. He also confirmed that Nissan India has reportedly received 50,000 bookings for the Magnite SUV and over 10,000 units have been delivered to partners.
Nissan recorded a growth of 6 per cent during the financial year 2020-21. The company sold 4012 units in the Indian market last month. The strong sales momentum can be attributed to the Magnite SUV, as it has emerged as a flag-bearer when it comes to volumes. The company also increased the prices of its cars effective April 1, 2021 due to increased input costs.


Everyone should have a bucket list and on that list there should be some amazing holiday destinations you’d love to visit. But how do you decide what locations will make your list? The world has so much to offer – you’ve got to choose your favourites, based on what you love doing. To help, we’ve picked five destinations we don’t think you’ll be expecting. Hopefully, some will make your bucket list. Check them out:
Isles of Scilly
An archipelago off the Cornish coast, in southwest England, the Isles of Scilly are covered in beautiful heathland, and lined with sandy beaches. 2,200 people are lucky enough to call this place home on the five inhabited islands – St. Mary’s, Tresco, St. Martin’s, Bryher and St. Agnes. But there are countless uninhabited ones to explore.
Whatever the season, there are wildlife and habitats flourishing. You can go on several different boat excursions to see as much as possible. Out on the water, it’s more than likely you’ll be watched by the many curious eyes of Atlantic grey seals (who is watching who?), see puffins and maybe even dolphins, according to the official tourist board. It’s a little spot of the world relatively untouched by tourism.
When you think of Japan, skiing probably isn’t your first thought. But there are some popular spots including Niseko, Hakuba and Nagano. But the place worth adding to your bucket list is Appi. It’s only got 21 trails and a few of the mod-cons you’d expect in a fancy ski resort. But, if you’re looking for a foreign experience, seasoned travellers say it’s the place to go. If you’re a keen skier, head there before everyone realises how good the snow is.Reading the 5 unexpected holiday destinations that should be on your Bucket List! Click To Tweet
When it comes to US cities, New York is probably on more people’s bucket list than Chicago. But if you love great food, craft beer, a spectacular skyline, impressive shopping, live music and theatre performances, galleries, and much more, you should consider visiting Chicago.
Something you probably didn’t know about Chicago is it’s also a beach vacation. In the summer, the lakefront’s 26 sandy beaches are buzzing. In these epic reasons to visit the city, they suggest dipping your toes into the cool blue waters of Lake Michigan, kicking back with a cool beverage at Montrose Beach, and playing volleyball at lively North Avenue Beach. If you’ve got kids, let them run wild at 31st Street Beach or soak up the sun at peaceful 63rd Street Beach.
City breaks offer great holiday opportunities – few of which are more impressive than the chance to see two continents in one city in Istanbul. Visiting Turkey’s largest city allows you to visit Europe and Asia in one trip. But in addition to that claim, you get to have a traditional Turkish bath, visit the Blue Mosque or take a ride on the Bosphorus strait.
Tristan da Cunha
Last up, we’ve got a destination that’s sure to give you some bragging rights. As the world’s most remote destination, it can only be reached by a week-long boat trip from South Africa. Or, if you’re lucky, a couple of cruise ships pass by every year.
Unsurprisingly, there’s pretty much no tourism infrastructure – including no hotels, so you’ll have to fully immerse yourself in local life. But, as this video of a day on the island will show you, meeting the locals is one of the best things about visiting.
Where destinations do you hope to visit? Share your bucket list places with us.
Don’t forget to Pin this to your Bucket List Board!
This was a guest post written by Isabel Leong from belaroundtheworld.com


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We've saved the best for last...
The nice part about watching this M. Night Shyamalan trilogy in the wrong order is that we get to wrap it all up with the one that started it all, Unbreakable.
Released in 2000 when M. Night was literally being hailed as "the next Spielberg" (oof), Unbreakable is essentially the first act of a superhero script fleshed out into one film, and boy is it freakin awesome. Not only was M. Night on top of his game, but Bruce Willis, Samuel L. Jackson, and honestly everyone in the cast are also brilliant. Oh and the cinematography! And the music!!! Okay everything about it is great, I'll stop now.
If you've never seen this movie, but you have seen Split and/or Glass, then I'm not sure it matters much whether or not you watch it for the first time with our track... However if you've somehow avoided everything about this movie and can go into it blind, definitely watch on your own first. It's an absolute treat and Christian and I couldn't be more excited to rewatch it together!
Officially wrapping up a series of commentary tracks we began in 2017! Woo!!!
This is an audio file that is meant to be listened to along with the movie.

domain: entertainment


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By: Michael Mulvey
In November 2021, the NCUA expanded the lending capabilities of CUSOs. CUSOs can now engage in all types of lending permitted for federal credit unions. The NCUA recently released a letter to credit unions providing guidance on the CUSO lending rule now that the rule has been in effect for more than a year. The guidance addresses some risk factors that may be associated with lending CUSOs. If your credit union is contemplating lending to, investing in, or doing business with a lending CUSO, this guidance can be a resource to assist you in executing your credit union’s plan.

domain: economics


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We just join in the latest glamping trend – treehouse glamping. We decided to add a treehouse site on our private Farr Island. We chose to install a Tentsile Stingray tree tent combined with a Trillium hammock. Imagine being in the place you’ve always wanted to be since you were a kid… up in the tree canopy with the birds overlooking a beautiful sunrise on Lake Temiskaming.
Treehouse Glamping on Farr Island in a Tentsile Stingray Tent
The three-person Stingray tent is the flagship tent from Tentsile. It can also be great for a young family – just imagine the unique experience! The interior consists of 3 spacious bays and it is accessed via a floor hatch in the centre. It is supported between three trees. So no inhospitable ground conditions, no insects, no snakes and no animals. Just the sound of birds and waves. This is just a fun place to stay!
Below the tent, we have a Trillium hammock so that you can hang out overlooking Lake Temiskaming. In the middle, a drink holder will certainly be useful on the hot summer days.
Farr Island as a Glamping Destination
This year, we decided to start with a treehouse for the first site. Next year we will be adding a more ‘traditional’ site with a prospector’s site similar to what you would find at well known resorts such as Clayoquot on Vancouver Island. Over Time, we think that we might have 5 sites around the island leaving a lot of privacy for the users.
The island could be the ideal glamping destination with guests staying for the first night in our of our historical homes and then spending a few days glamping on the island.
What is Glamping
Glamping, a global trend that emerged in the last decade is a fusion of glamour and camping. A new word for a new kind of travel. Glamping is a way to experience the great outdoors without sacrificing luxury. It is designed for travellers who want to experience the positive aspects of camping without the ‘uncomfortable negatives’ of camping. No tent to pitch, no sleeping bag to unroll, no worry about bears… The amenities found at glamping destinations far exceed anything recreational campers experience.
Often, glamping spots are located at exotic destinations around the globe, offering the most unique experience outdoors. In Canada the most well known glamping destination is Clayoquot Wilderness Resort on Vancouver Island. The resort is visited by celebrities on a regular basis.
About Farr Island
Farr Island is a beautiful historic and private five-acre island on Lake Temiskaming only a few kilometres from Haileybury’s marina. The island is one of only nine on Lake Temiskaming which is 110 km long. The island, owned by the Presidents’ Suites, is presently used as a day destination for their guests. What a treat to add a visit to the island during your holiday or visit to the Temiskaming region.
The feeling of being on an island is unique. As you walk around the island, the scenery and the waves will change. The West side, the side where our dock and the beach is, is the closest to the main land and is also protected from the Northerly winds. Water is therefore very quiet and peaceful. If you go to the South side, you will see the lake narrowing down and it often reminds people of the Saguenay Fjords. The east side is open to the north-east winds. Most of the time, waves will be several feet high. Great place to sit to watch the sunrise. Haileybury on the north side is the only town visible from the island.
What you will find on the island
- A reception area for 40 people with a large platform, a 20×30 party tent, kitchen facilities, tables and chairs
- A small beach
- Trails around the island
- Resting areas at different locations around the island
- An outhouse
- A dock
- Exterior games
To learn more about the island, visit our page on Farr Island.
If you are interested in reserving your treehouse glamping stay,
Nicole at (705) 622-0279 or at firstname.lastname@example.org

domain: geography


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Mandalay in Myanmar
Helpful Information about Mandalay in Myanmar
Myanmar is known as a union in Southeast Asia. Its neighboring countries include Bangladesh, China, Laos, Thailand, and India. It can be found just along the coastline of the Bengal Bay and Andaman Sea. This country was known in the past as Burma and had officially changed its known years ago. Mandalay is one of the biggest cities in Myanmar which was previously known as Burma. It was also the last royal capital of the country. It can be found just on the northern side of Yangon which is on the east bank of the Irrawaddy River. Mandalay is known as the economic centre of Myanmar and it was considered as the centre of culture as well.
Because of the continuous migration and arrival of Chinese nationals into the place coming from the province of Yunna, the past 20 years has been very crucial because it reshaped Mandalay into a new and commercialized city. Although, some Burmese noticed that Mandalay is becoming more of china and the old Mandalay is starting to disappear it still remain to be the main commercial, health and education centre of Myanmar. The name Mandalay came from the Mandalay Hill which literally means circular plains. Just like any other place in Burma Mandalay was originated on the wishes of the ruler of the day which was king Mindon and it was in 1857.
They have considered the new royal capital at the food of the hill of Mandalay and it was then they started celebrating the prophecy of Buddhism as well. It was surrounded by 4 rivers and the walls have 3 gates on every side along with 5 bridges. Mandalay has been a major trading centre and it is also known as a communication centre too. There are lots of traders coming from China and India that have migrated to Mandalay that is why a lot of Burmese today have adapted the trading system that those people have which they also practice these days.
Some of the industries that are famous in Mandalay are silk weaving business, jade cutting, tapestry, wood carving, marble making, precious stone polishing, making of Buddha images and other ornaments for temples and many others. Brewing industry and distilleries are also famous there. The Chinese Ethnics have dominated the economics of Mandalay since 1990s. Once you come and visit Mandalay, you will see that there are cultural and religious centres that are surrounding the place.
There are also monasteries that can be found there. You can also find the distinct landmark of Mandalay which is the Buddhist bible at the foot of the Mandalay hill. If you will come and visit Myanmar which is the old Burma, you have to know first that they have 3 seasons there. They have cooler nights from September-February while during daytime they have 28° D but during March to May you may experience a hot and dry season. June- September is considered as rainy seasons so you may not enjoy your stay if it’s raining all over the place.


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Benefits of CBD Products for Dogs
- Natural Pain Relief: CBD (cannabidiol) has anti-inflammatory properties that can help alleviate pain and discomfort in dogs. It interacts with the endocannabinoid system, which plays a crucial role in regulating various bodily functions, including pain perception. Whether your canine companion is dealing with arthritis, joint pain, or post-surgery discomfort, CBD products for dogs may offer a natural and gentle way to manage their pain.
- Calming Effects for Anxiety and Stress: Many dogs experience anxiety and stress, whether due to separation, thunderstorms, or other triggers. CBD has been shown to have calming effects on the nervous system, helping to reduce anxiety levels in dogs. It interacts with serotonin receptors in the brain, promoting a sense of relaxation without causing sedation. This makes CBD products for dogs a potential solution for anxious dogs, promoting overall well-being and a more balanced temperament.
- Support for Epileptic Dogs: Some canines suffer from seizures and epilepsy, and conventional treatments may not always be effective or can cause undesirable side effects. CBD has shown promise in reducing the frequency and severity of seizures in dogs. Its anti-seizure properties are believed to result from its interaction with the endocannabinoid system, influencing the regulation of neural activity. Incorporating CBD into the treatment plan for epileptic dogs may provide a more natural and well-tolerated option.
Your Trusted Source for Natural Relief and Holistic Health
When choosing CBD products for dogs, it’s crucial to prioritize quality, source, and adherence to safety standards. Joy Organics CBD Certified CBD oil tincture for pets contains only two premium ingredients: organic olive oil and organic broad spectrum hemp extract.
Read more: Joy Organics CBD Products for Dogs
It’s important to note that before introducing any CBD product for dogs, to your dog’s routine, it’s advisable to consult with a veterinarian to ensure proper dosage and to rule out any potential interactions with existing medications or health conditions.
Thank you for visiting!
If you buy through a Canine Health Hub link, we may earn an affiliate commission, helping support our philanthropy to improve pets’ lives.

domain: pet


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Nothing screams ‘Holiday Season’ like cookies and warm drinks; as Barbara Johnson said: “A balanced diet is a cookie in each hand.” I don’t know about you, but this is my attitude during the holidays, and the more interesting recipes I can find, the better. I had a roommate in college who loved to hide surprise ingredients in her (always delicious) desserts such as black beans in her brownies. I’ve recently taken a page out of her book and found a lot of enjoyment in surprise vegetables in desserts. So, in searching for new sweets for this year, I decided to use vegetables that are in season either locally or regionally: sweet potatoes, carrots, beets, oranges, lemons, pears, and apples. I figure adding vegetables to your “balanced” diet can be a little less guilt-inducing and a lot more creativity-inducing. So put on your artistic cap, get out your cutting board, and dive into these delicious recipes.
I love carrot cake, it might be my favorite kind of cake, and it’s healthy (kind of)! What could be better than carrot cake cookies? Other than carrot cake cookies and a bunch of other kinds of delicious cookies, of course…
1/2 cup butter, softened
1/2 cup brown sugar
1/2 teaspoon vanilla
1 1/2 cups all-purpose flour
3/4 teaspoon cinnamon
1/2 teaspoon nutmeg
dash of cloves
1/2 teaspoon baking soda
1/2 teaspoon salt
1 cup coarsely grated carrots
1/2 cup raisins (optional)
1/2 cup walnuts (optional)
Preheat oven to 350 degrees. In a large bowl, cream butter, brown sugar, and vanilla. Add egg and mix well. Add flour, cinnamon, nutmeg, cloves, baking soda, salt and mix until completely combined. Fold in carrots (and raisins and walnuts if you are using them). Place spoonfuls of dough on ungreased cookie sheets and bake for 9-12 minutes. Remove from cookie sheet and let cool, then frost with cream cheese frosting. Garnish with chopped walnuts if you want.
Cream Cheese Frosting:
1 (8 oz) package cream cheese
1/4 cup butter, softened
3 cups powdered sugar
1 teaspoon vanilla
Cream butter, cream cheese, and vanilla together, then add powdered sugar. Add more or less powdered sugar, depending on how thick you want the frosting to be.
Makes about 30 cookies.
Sweet Potato Pie Cookies with Orange Glaze
A southern favorite with a twist! Sweet potatoes are kind of a super-food, high in vitamin B6, vitamin C, vitamin D, iron, (http://www.care2.com/greenliving/9-reasons-to-love-sweet-potatoes.html) and deliciousness, they should be a regular at our dinner (or dessert) table.
2 cups all-purpose flour
1/2 teaspoon baking powder
1/2 teaspoon baking soda
2 teaspoons ground cinnamon
1/2 teaspoon ground ginger
1/2 teaspoon ground allspice
1/8 teaspoon ground nutmeg
1/2 teaspoon salt
1 stick (1/2 cup) salted butter, room temperature
1 cup granulated sugar
3/4 cup light brown sugar
1 egg, room temperature
1 teaspoon vanilla extract
1 cup sweet potato puree
1 cup chopped pecans
1 1/2 cups confectioners’ sugar
3 tablespoons freshly squeezed orange juice
1 teaspoon vanilla extract
Preheat the oven to 375 degrees F and adjust racks to the middle position. Line 2 cookie sheets with parchment paper.
In a medium bowl, sift together the flour, baking powder, baking soda, cinnamon, ginger, allspice, nutmeg, and salt.
Using a hand held mixer cream together the butter, granulated sugar and the brown sugar until light and fluffy and the volume has increased. Add the egg and the vanilla and mix until incorporated. Stir in the sweet potato puree and blend until smooth. Beat in the dry ingredients in increments and combine well. Stir in the pecans.
Drop by heaping tablespoons onto the prepared cookie sheets, leaving about 2 inches of space between each cookie. Bake until the cookies are lightly golden around the edges and they spring back from the touch, about 18 minutes. Let cool completely on the cookie sheets before glazing.
For the glaze:
Combine the confectioners’ sugar, orange juice, and vanilla in a small bowl and stir until smooth. Drizzle over the cookies and let harden for 1 hour before serving.
Cook’s Note: If you need to thin the glaze, add more orange juice. If you need to thicken it, add more confectioners’ sugar.
I have to admit, I got pretty excited about the idea of putting beets in cookies because they’re delicious and also they make normal looking cookies cool colors, or just one color: pink. But the fun thing about cooking with beets is that kids will have more fun eating the food because of the color, not that this is an issue with cookies…
Makes about 16 large cookies
1 cup maple sugar, or granulated organic sugar
3/4 cup coconut oil
3/4 cup cooked red organic beet puree
1 Tbsp pure vanilla extract
1/2 cup agave nectar
1/2 cup cocoa powder
2 1/2 cups whole wheat pastry flour
1 Tbsp baking powder
1 tsp sea salt
12 oz chopped vegan dark chocolate
1 cup dried cherries
[NOTE: Beet puree is very easy to make. You can boil or bake the beets, peel the skin off once they’re cooked, put them in a food processer with water, and puree them until they’re completely smooth]
In a large bowl, combine coconut oil with sugar and whisk until well combined. Beat in the beets, vanilla extract, and agave nectar until well combined. In a smaller bowl, whisk together flour, cocoa powder, salt, baking powder, then add to the large bowl, and mix until well combined, then add chocolate and cherries and mix until well distributed. Place in the fridge to chill until firm (preferably overnight). To bake, Preheat your oven to 375 degrees. Line 2 large baking sheets with parchment paper. Roll balls into about 3 inch balls, and place on prepared cookie sheets a couple inches apart (refrigerate unused dough while baking the other trays). Bake for about 15-20 minutes, until puffed and just starting to brown slightly (but do not overbake!). Remove from the oven and let cool on the pan a few minutes, then remove to a wire rack to cool. Repeat with remaining cookies.
As I said before, beets in cookies might be the best idea I’ve heard of in quite a while, so this recipe was especially intriguing to me. I have never heard of a beet glaze before in my life, so I had to try it. It looked cool when I finished but I don’t think I put enough sugar in the glaze. If you like beets then I would recommend this recipe, it definitely still had the beet flavor underneath the sugar and lemon. I, of course, had to test the recipe with some friends, and one of them summed it up perfectly, “it tastes like a biscuit with beet jam.” I want to try it again and experiment with the glaze. I just dipped one side of the cookies in the glaze but I think you could definitely get creative and make pretty designs on the cookies with the glaze.
Yield: 16 cookies
2 cups flour
1 cup unsalted butter at room temperature
1/4 teaspoon salt
1/2 + 1 cup powder sugar (more if needed)
1 teaspoon vanilla
2 tablespoons fresh lemon juice
2 teaspoons lemon zest
1 medium size beet
(optional 1 tbs coconut oil + 2 tbs white sugar for roasting the beets)
Combine flour and salt together in a small bowl and set aside.
Zest the skin of your lemon, about two teaspoons or so and add to the flour mixture
In a medium size bowl cream the butter with an electric mixer until smooth. Add in 1/2 sugar and beat for another minute or two. next add the vanilla and beat until mixed. Slowly add the flour mixture and stir by hand until just combined. Do not over mix!
Place the dough on a piece of plastic wrap and press into a disk shape. let refrigerate for at least an hour and up to overnight.
Preheat the oven to 375F and take the chilled dough and roll it out on a floured surface until about 1/4 inch thick. cut into desired shape and place on a lined cookie sheet, put in the refrigerator to chill for 10-15 minutes. Remove and place in oven and bake for 8 – 10 minutes.
Preheat your oven to 450F and peel the skin from your beet and cut into quarters (optional: coat them with a bit of coconut oil and a few pinches of sugar before placing them in the oven)
Roast them in the oven for 30-35 minutes or until tender. Remove and let cool completely. Place the cooled beets in a blender with a 1/2 water. Blend on high until the beets form a puree. The important part here is that it’s smooth, no lumps.
Place the remaining 1 cup of confectionaries sugar in a bowl and add 1/4 cup of the beet puree and two TBS lemon juice. Whisk until combined and completely smooth, no lumps! The color of the frosting will lighten and become thicker the more sugar you add so this is all personal preference. If it’s too dark add more sugar, too thick – add more puree.
Frost the cooled cookies with the beet glaze!
One quick tip – use the best quality butter you can find. When there are so few ingredients the taste of the butter really stands out. No butter substitutes, the real deal!
One of my favorite things to do during the winter is to curl up on a cold day with a warm drink and a book; I don’t know about you but I’m hoping for a few good snows this winter just to savor this moment even more while watching the snow come down. I found a few interesting recipes that sound like delicious twists on traditional favorites.
Warm Citrus Cider
Cider is one of my favorite drinks once it starts to get cold. I’m always excited to try different additions and flavors in cider and this recipe looked particularly delicious.
1 gal. apple cider
2 cups orange juice
1/2 cup lemon juice
1 orange, sliced
1 lemon, sliced
1 1/2 teaspoons whole cloves
3 cinnamon sticks
Garnish: apple slices
Bring apple cider, orange juice, lemon juice, orange slices, lemon slices, cloves, and cinnamon sticks to a boil. Reduce heat; simmer 10 minutes. Discard solids. Garnish each serving with an apple slice, if desired. Serve hot.
For those of you craving a warm drink with a little bit more of a kick, this one might be for you. A little ginger and rum to warm your bones and spice up your evening could be the perfect thing on those frigid nights.
2 litres Cloudy apple juice
2 thumb-sized Ginger pieces, sliced
2 Ripe pears, sliced
2 Cinnamon sticks, plus extra to serve
4 Cardamom pods
3 tbsp Light brown sugar
Juice of 4 limes, zest of 2
500ml Bacardi Gold rum
How to mix
Recipe by Anna Jones
Pour the apple juice into your biggest pan, then add the ginger, pears, cinnamon, cardamom and sugar. Add the zest and juice of the limes, bring everything to the boil and simmer until all of the sugar has dissolved. Serve warm in glasses or mugs, with a good shot of spiced rum and a cinnamon stick.

domain: food


Ukraine’s 47th Motorized Infantry Battalion has released a video that shows Ukrainian troops using a drone armed with thermal cameras and bombs to hunt down Russian soldiers at night.
The minute-long video was shared on social media by Valerii Markus. One of the most popular military figures in Ukraine, Markus served in the Donbas region from 2014 to 2016 before returning to the front on February 25, 2022. He is also the author of Footprints on the Road, a bestseller in the country. And runs a YouTube channel chronicling everything from his adventures climbing the tops of the mountains in Nepal to footage taken during the Russian-Ukraine war.
The infrared video, which can be distressing to some viewers, shows a group of soldiers desperately trying to hide and take cover in the trenches as they spot the Ukrainian drone hovering above them. The drone scans the area and locks down two locations with maximum “heat signature” before proceeding to drop bombs there. Markus called the video “Salute to Solitude.”
Watch Ukraine using night vision drone to hunt Russian soldiers
Viewer discretion is advised
Using drones with thermal cameras to carry out night operations is not new for Ukraine’s military. Previously, Aerorozvidka, a dedicated drone unit within the Ukrainian army, has admitted to hunting and attacking the Russian forces “as they sleep.” Aerorozvidka has a variety of drones at its disposal – right from cheap off-the-shelf ones to thermal drones and heavy-duty multirotor aircraft that have been customized to drop anti-tank grenades.
Read more: Drones to deliver needle-free insulin injectors to Ukraine’s conflict zones


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The achievements list for Mortal Kombat 11 on Steam has purportedly leaked, outing unannounced fighters in the process.
Quick note: as usual, file what you see below as a rumor until an official announcement is made, and beware of possible spoilers.
A list of Mortal Kombat 11 achievements for the PC version have popped up on SteamDB.
Going over the list, it appears fighters such as Jade, Frost, and Kotal Kahn will be part of the roster, at least at release. The achievements only list the first three letters of the character name, so we're doing our best to guess the fighters.
CAS will obviously be Cassie Cage and LIU is Liu Kang as both popped up in gameplay and developer videos. ERR could be Erron Black, the cowboy fella who was introduced in Mortal Kombat X.
Other initials on the list, such as KUN, could be Kung Lao or his younger cousin Kung Jin.
There's also RAI, which could easily be Raiden or Rain. But Scorpion, Baraka, Skarlet, and Kano are each listed, so it's likely Raiden.
Keep in mind this can't be entire batch of achievements, because not every Mortal Kombat 11 character revealed so far is on the SteamDB list.
- Kun - Kung Lao (or Kung Jin)
- Cas - Cassie Cage
- Jad - Jade
- Fro - Frost
- Kot - Kotal Kahn
- Jac - Jacqui (Jax's daughter)
- Err - Erron Black
- Liu - Liu Kang
Other initials noted in the achievements include CET, KOL and TER which we can't figure out at the moment, as they are likely new or guest characters.
Resetera is hoping TER stands for Terminator (we are too). Jason Voorhees, Alien, and Predator made guest appearances MKX, so Terminator wouldn't be a stretch.
Again, take this as a rumor for now. We'll update you with any additional information as it comes.
Mortal Kombat 11 releases April 23 on PC, PS4, Switch, and Xbox One. A beta will be held beforehand on March 28 and here’s how to get in it.

domain: game


Sophomore Matt Bachman, a civil engineering major at Penn State Brandywine, found he has a talent he never imagined: writing. How did he find out? Associate Professor of Linguistics and English Myra Goldschmidt sent Bachman an e-mail announcing he was published in University Park's annual journal, Best of Freshman Writing, Volume 14.
"I was surprised but really happy when I got the e-mail," Bachman, of Newark, Del., said of his essay titled, "The United States' Failure to Sign the Rights of the Child" making the cut. "I always liked writing and I hear a lot of engineers struggle with it so we'll see how that works out for me."
On choosing such an important and serious topic, Bachman, an honors student, said he had never heard of the United Nations' treaty his essay was based on until he was asked to research it for a one-credit library studies course required for all honors students. When asked to write an essay for Goldschmidt's English course, Bachman decided to revisit the topic, not realizing so many people would find his thoughts so compelling.
"Matt Bachman is one of the strongest writers I have ever taught," Goldschmidt said. "I submitted his essay because of his sophisticated insight into an important global issue -- the rights of the child -- and because of his strong presentation of both sides of this issue. Through his writing, Matt serves as a role model to other students, raising awareness about the Rights of the Child [Treaty] and showing that one person can make a difference."
Each year, English professors from Penn State's 19 campuses are on the lookout for exceptional essays from their freshman English classes they deem worthy of publication. At the end of the academic year the best of the best are submitted to the journal's editorial board, which decides which essays will make it to publication. The journal is often used as a classroom textbook in many English classes at Penn State; the essays serve as writing models for students in the freshman courses.


prairie dropseed grass
Today we’re visiting with Cindy Strickland, who lives in Raleigh, North Carolina. Hello, fellow gardeners. I wanted to share a variety of mostly dry plant forms with impressive persistence that…
Get complete site access to expert advice, regional content, and more, plus the print magazine.


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Contact Oral Surgery of Erie, PC
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Oral Surgery of Erie, PC
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Erie, PA 16502
Located just north of the intersection of 26th and Myrtle, at 316 West 23rd Street.
We Have Free Onsite Parking.
Phone: Erie Office Phone Number (814) 453-4491
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If this is the first time you have visited our Erie office, the mapping service below will assist you in finding our location. Simply fill out the form below, and you will be presented with directions that include a map, the travel time, and distance. If you need any additional information, please contact us at Erie Office Phone Number (814) 453-4491.


- posted: Jun. 29, 2023
How Illegal Dispensaries put Landlords at Risk
Since the legalization of marijuana for recreational use in New York in 2021, the city has witnessed an expansion of retail dispensaries. However, out of the estimated 5,000 shops in the five boroughs, only six are legally licensed. This surge in unlicensed businesses poses significant ramifications for building owners who lease their commercial premises to these illegal weed stores. The New York City Council has proposed a bill to hold owners accountable for leasing to unlicensed cannabis sellers. Moreover, Governor Kathy Hochul has suggested empowering authorities to shut down illegal shops and impose substantial fines on the owners.
Unregulated Cannabis Products put New Yorkers at Risk
Unregulated products sold by these unlicensed stores have been found to contain harmful contaminants. This underscores the importance of proper licensure to ensure consumer safety. Nevertheless, the law's lack of enforcement and existing loopholes have allowed these stores to thrive.
To combat this issue, Mayor Eric Adams and Manhattan District Attorney Alvin Bragg are exploring using New York's Real Property Actions and Proceedings Law (RPAL) to prompt property owners to evict illegal businesses. Landlords can exercise their rights under the law to evict tenants who violate lease agreements.
How do Illegal Dispensaries Affect Landlords?
Although landlords may not know about their tenants' illegal activities, they could still be held accountable. Consequently, it is crucial for building owners to conduct thorough screenings of potential commercial tenants engaged in THC-related businesses.
Unlicensed weed stores in New York City pose a significant challenge for building owners who lease their commercial premises to these illegal businesses. With the proposed legislation, authorities aim to crack down on unlicensed shops and impose fines.
Building owners should consult their lawyers beforehand, given the potential legal consequences and liability uncertainties. As the city and state intensify their efforts to address this issue, building owners must prioritize compliance and avoid being caught in the crossfire of enforcement actions.
Worried a Tenant is an Illegal Dispensary? Talk to Outerbridge Law
Here at Outerbridge Law PC, we have extensive experience dealing with illegal dispensaries and helping landlords navigate this complex issue. Please give us a call at 877-OUTERBRIDGE to schedule an initial consultation.


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metric CHASE COOPERThe new UK regulatory framework —the mists are clearing Nick Gibson, Chase Coopers Director of Compliance Solutions,US’s PCAOB to inspect summarises the recent clarification received from the UK Treasuryoverseas auditors Department and comments on its impact on regulated firms. In the UK we are in the midst of a low‐key but far‐reaching regulatory revolution, driven by the The PCAOB, created by the Sarbanes–Oxley Act (Sarbox) to oversee auditors of Sarbox‐ coalition government, in response to the perceived past failings of the participants in the effected companies, has said that in 2011 it existing system (and in particular the Financial Services Authority ‐ FSA).will inspect audit firms in 31 countries, On 17th February HM Treasury issued its 138 page blueprint for including the UK, despite initial reluctance from many overseas the revised UK regulatory system. This follows the first HMT auditors citing sovereignty and legal consultation document, issued in July (for which comments closed concerns. in October) and contains a number of significant changes. Further In 2010 the EU declared the PCAOB an comments are invited on the new paper by the closing date in mid‐“equivalent regulator” and the Dodd‐Frank Act allowed the PCAOB to share April.information with overseas bodies. The Professional Oversight Board, the UK’s Whilst the most noticeable headline change is the change of name “super‐regulator” of accountancy and from the Consumer Protection & IN THIS ISSUE OF metricaudit supervisory bodies, has agreed to Nick Gibson, Chase Cooper Markets Authority (CPMA) to the more G20 sets targetsshare information. digestible Financial Conduct Authority ‐ about which more below ‐ London trader jailedDame Barbara Mills, Chair of the POB said there are a number of more fundamental changes or clarifications New EBA Head appointed“The agreement will improve our respective access to information, for example relating from the original, some of which are, to our eyes, potentially quite Managing Liquidity Riskto US audit firms registered in the UK, and disturbing.UK firms registered in the US”. StructureAll foreign companies with any share listing in the USA need to comply with Sarbox The structure remains almost entirely as originally planned, with a Financial Policy Committee requirements and their audit firms must be (FPC) within the Bank of England running macro‐prudential supervision, to identify and reduce registered with the PCAOB in order to carry systemic risks arising within the financial system. The FPC will not be an institutional supervisor, out compliant audits. Over 900 audit firms from over 85 countries have registered with and will have no powers over individual firms.the PCAOB and are subject to inspections in the same manner as US firms. The two new supervisory bodies will be the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA), whilst the Bank of This is the new format for our newsletter, Chase Cooper metric. We will be publishing this monthly towards the end of the month and distributing it by email. England will have direct responsibility for 1 In view of the recent announcements on the UK’s regulatory changes we have made supervising systemically‐important this a 6 page issue with a major article summarising and commenting on these infrastructure, such as payment systems, changes. We would enjoy receiving any comments on our new format at settlement systems under the firstname.lastname@example.org. continued on page 2
Uncertificated Securities Regulations 2001, and recognised clearing setting balance sheet leverage ratios,houses under FSMA. requiring the publication of specific information by classes of firms The PRA has a single strategic objective: "contributing to the promotion during times of stress,of the stability of the UK financial system". The PRA mandate makes it setting higher collateral requirements where lending growth in solely responsible for the prudential regulation of all banks, building specific classes of lending appears unsustainable.societies, credit unions and insurers. The PRA may also designate The FPC will also be able to direct the PRA and FCA to gather and investment firms that deal as principal, to bring them under its provide information supervision, where PRA believes specific firms may pose systemic risks to Whilst PRA and the FCA are metric from authorised the UKs financial stability, or to other de facto PRA‐regulated firms “equal in status”, there are firms needed by the within the firms group. significant issues where it Bank of England in In addition to insurance providers, the role in relation to insurance also order to meet its appears that the PRA hasmakes it the prudential regulator for Lloyds of London; comfort is given, financial stability primacy.in relation to insurance business generally, that a prudential lighter touch objective at any time, may be appropriate by comparison with banks. but particularly during times of stress. The Bank of England, FPC and PRA Both the PRA and FCA will in any event be under statutory duties to will be collectively responsible under provide or share detailed information with the FPC on a routine basis to the same roof for designing the UK inform its own decision making. In return, the FPC will provide advice and response to the next emergent expertise to both regulators on systemic financial stability and current financial crisis, and executing the and developing risks thereto. The PRA and the FCA are clearly described special resolution regime where as "equal in status". This is, in some respects, true. There are, however, necessary. significant operational issues where it appears that PRA has primacy over the FCA. The second supervisory body, the HECTOR SANTS, current Chief Financial Conduct Authority, will The PRAs relevant powers include: Executive of the FSA and Chief Executive designate of the PRA regulate the conduct of all Where FCA wishes to take action against an authorised firm by authorised financial services firms, and will be prudential regulator for all imposing requirements or cancelling its permissions, it is the PRA that firms not regulated by the PRA. The FCA will be by far the larger of the has the expertise to judge whether this might cause the firm to fail in two bodies, but will have a clearly subsidiary role. a disorderly way and/or cause financial instability within the system. Leaving reporting lines to one side, a natural hierarchy of influence has When consultation between the two regulators about the proposed emerged in the governments deliberations. The FPC, as the macro‐ action takes place, the government expects that the FCA will prudential regulator, sits at the top of the influence tree, and is being 2 take the PRAs advice in relation to the risk of disorderly failure.given powers in respect of both supervisors. In the event that the PRA and FCA are unable to agree on a The FPCs powers in respect of the PRA and FCA include: course of action, the legislation will grant PRA the power of veto over the FCAs proposed course where the PRA considers that it would risk The ability to make "recommendations" to the PRA and FCA, under financial instability or the disorderly failure of the firm concerned. the comply or explain principle, where either body, if not adopting the recommendation, will be required to explain publicly why it chose The PRA power of veto also extends to the making of rules by FCA, not to, and and even FCAs granting of individual firm modifications or waivers, where PRA believes there may be a negative impact on financial The ability to direct the PRA and FCA to adopt and apply specific stability or the prospect of a disorderly failure. macro‐economic tools in specific ways, which could include (amongst Lead responsibility for approving particular Controlled Functions for others): jointly‐regulated firms will be split between the two regulators. setting levels for counter‐cyclical capital buffers/dynamic Subject to consultation between them, the PRA will have the final say provisioning, in approving Significant Influence Functions which impact on setting variable risk weights focused on specific sectors or asset prudential soundness, such as that of the Chief Executive Officer: the classes, FCA will have similar powers in respect of functions which impact continued on page 3
more on its own statutory responsibilities, such as client assets or This is clearly a very direct response to the governments fury over FSA anti‐money laundering. being unable to publish its report into RBS due to its interpretation of the current confidentiality provisions in FSMA. Financial Policy Committee The Financial Policy Committee remains broadly as envisioned in the first In a material change from earlier proposals, significant regulatory document, with the statutory objective of "..the identification of, decisions in respect of particular firms will no longer be taken solely by a monitoring of, and PRA Executive Committee, or one with a majority of executive staff. The government has fortunately recognised the obvious incongruity that this metricPRA reports will contain taking of action to would contradict the principles of good corporate governance that PRA confidential information remove or reduce, itself should be enforcing on firms. It now proposes to give the PRA where publication is in the systemic risks with a flexibility to create its own decision‐making structures, involving non‐national interest. view to protecting and enhancing the resilience executives "as appropriate" in this context. of the UK financial system…" . Operationally, the PRA will be obliged to take a judgment‐led supervisory The particular systemic risks within that objective are: approach to the firms it regulates, and will take a more principles‐based approach in creating regulation, requiring PRA‐supervised firms to systemic risks attributable to structural features of financial markets comply with the spirit, as well as the letter, of its prudential rules. or to the distribution of risk within the financial sector, and On the back of this approach, PRA unsustainable levels of leverage, debt or credit growth will have its own enforcement powers. The obvious challenges In response to concerns raised during consultation, the objective has of effective enforcement in metric been extended to reflect that the FPC should not take actions under this response to breaches in a objective that would be, in their own view "…likely to have a significant judgment‐led, principles‐based adverse effect on the capacity of the financial sector to contribute to the regime are recognised. growth of the UK economy in the medium or long term…". A particularly interesting The 12 members of the interim FPC have also been announced, notably statement in the document is including a former Vice Chairman of the US Federal Reserve and a former that, "The Government is Director General of the Confederation for British Industry. This interim Sir Richard Lambert, new member considering whether appeals of the FPC and until recently, FPC started to operate experimentally in February and is waiting for the Director General of the CBI from judgement‐based (Photo courtesy of the CBI) legislation to catch up before it takes full powers. supervisory decisions should be Prudential Regulation Authority heard by the Upper Tribunal on limited grounds (those which could be raised on a judicial review) rather than the full merits review The PRA will be "operationally independent" from the Bank of England, with its own Board, but accountable to the Court of Directors of the Bank currently provided for in relation to FSA supervisory decisions 3 which engage the statutory notice procedure." of England for administrative matters, which include budget, remuneration, and performance against objectives. This constitutes an Simply put, if implemented, this appears to mean that PRAs decisions interesting definition of independence, particularly as the Chairman of would only be able to be challenged if it could be demonstrated that in the PRA will be the Governor of the Bank of England. reaching a judgment‐led decision, PRA had acted illegally, acted irrationally or unreasonably, or created a procedural impropriety. Clearly However, operational independence will apparently be preserved by the this would make PRA decisions even more difficult, and even more PRA Board having a majority of non‐executive directors. It will also be expensive, to overturn than under the existing FSA regime. subject to audit by the National Audit Office, and accountable to Parliament and Ministers, with a new measure that where there is a The PRA will also have powers, transferred from FSA, to require significant regulatory failure, the PRA must then make a formal report to information for financial stability purposes from unregulated persons as HM Treasury containing an analysis of the causes of the failure, and well as from those it directly supervises. lessons to be learned. HM Treasury will in turn lay the report before Financial Conduct Authority Parliament, and it will be made public. Whereas there was a lot of the political rhetoric on the role of the ex‐ This provision is unambiguous in stating that such reports will contain CPMA as a consumer champion fighting for the downtrodden, there is confidential information where its publication is in the national interest. significant back‐tracking on this both in Parliament and in the current continued on page 4
proposals ‐ part of which is reflected in the change of name. To a large action is subsequently dropped, a large part of the reputational extent this is designed to answer questions about a future lack of damage to the firm or person will already have been done.impartiality in its dealings with firms. In an apparent turnaround, the FCA will be retaining its powers of The proposal therefore includes a very early and clear statement in the prosecution for market abuse offences, rather than transferring them description of the FCAs role as "...protecting and enhancing the to the proposed new Economic Crime Agency.confidence of all consumers of financial services ‐ from retail customers choosing a current account to a hedge fund engaging in multi‐million The UK Listing Authority will also remain within the FCA, rather than pound derivatives trades." as was previously being considered, transferred to the Financial Reporting Council.The FCA has ‐ like the PRA ‐ been given a single strategic objective, to protect and enhance confidence in the UK financial system. Its operating It is proposed that The FCA will be able to metricmodel will be, as envisaged, materially different from FSAs current the FCA will also have approach, with a much greater focus on financial products, and rather a significant role in publish Warning Noticesless focus on firms themselves: applying general signalling the start of formal competition law in enforcement proceedings There is recognition that detriment in retail financial services is more financial services, but likely to arise from a sector or product than from the conduct of an the details are subject to subsequent publication. individual firm. Because of this, much of FCAs focus will be on issues‐ based, rather than firm‐based supervision ‐ a continuance and Current measures strengthening of theme‐based supervision, where the FCA will be As noted above, the "interim FPC" was appointed in February and will expected to publish more observations of good and bad business start to meet with an initial focus on identifying the right macro‐ practice. prudential tools to be used when it assumes full powers. The "vast majority" of FCA firms will interact with the regulator FSA itself is constructing a shadow organisation to mirror and trial the through a contact centre, and only a small number of firms will have a operations of the proposed PRA and FCA. In practical terms this means dedicated FCA supervisor. that FSA staff are being allocated to one or other organisation, as described in Hector Sants "Dear CEO letter" of 7th February (which still All firms will, however, be subject to periodic review of their referred to CPMA rather than FCA). The new FSA internal organisation, governance, culture and controls ‐ so ARROW will remain in some split between the Prudential Business Unit and the Consumer & Markets form. Business Unit will start operating on 4th April. The FCA will be granted powers to ban products in development, or In a spin‐off bonus for firms, the focus on the new organisation will mean those already in the market, where there is a significant prospect of a reduction in routine supervisory activity; on which affected firms are to be informed. 4 consumer detriment, and where setting conditions on the product or the sales process has proven ineffective. Sants himself has been confirmed as the first head of the PRA, and Martin Wheatley, current Chief Executive of the Hong Kong There is, happily, no intention to involve the FCA in the pre‐approval Securities & Futures Commission and former Deputy Chief Executive of of financial products. the London Stock Exchange, is CEO‐designate for the FCA. He will join There is a proposed power to enable the FCA to direct a firm to FSA to run the new CMBU in September this year. withdraw a financial promotion, and to make public the fact that it Next steps has done so to warn consumers. The draft bill creating the new structure and both dealing with the new As an enhancement to the current FSA credible deterrence policy, the powers and transferring the existing ones is intended to be published by the government is proposing that the FCA will be able to publish Warning early summer, and enacted within 12 months. The government is determined Notices, which signal the start of formal enforcement proceedings that the new regulatory structure will be up and running by the end of 2012. (rather than their end). This is a sweeping change. Effectively the The closing date for responses to the current paper is 14th April 2011, and charges against a firm or individual, and the summary supporting consultation responses will feed into both the governments White Paper on evidence, will be published without the accused having had the reform and the draft Parliamentary Bill. We will continue to update you as opportunity for its defence to be heard. Whilst there is then an things develop further. m obligation to publish a Notice of Discontinuance if the enforcement
G20 sets targets European Parliament confirms EBA head At this month’s Paris meeting, the G20 Finance Ministers and Earlier this month the European Central Bank Governors have agreed the next steps to combat the Parliament confirmed Andrea Enria current crisis. They will agree, by April, on quantitative indicators as the first Chairperson of the that will be used to assess public debt and deficits, private savings European Banking Authority (EBA), rate and debts, and trade balances and investment flows. By the new regulatory body October they want the IMF to established at the start of this year have developed a plan for and which takes over all existing strengthening the IMS and for and ongoing tasks and them to report on progress in responsibilities from the previous April. Committee of European Banking Andrea Enria, first Chairperson of Supervisors (CEBS). the European Banking Authority Commodity price volatility was also a target and the IMF and This confirmation followed a meeting of the Economic and the International Energy Monetary Affairs Committee (ECON). Forum are being asked to In his opening statement, Enria emphasised the need for the EBA to coordinate strategies on oil, move towards a more integrated regulatory and supervisory Christine Lagarde gas and coal price volatility. France’s Finance and Economics Minister framework in the Union and to work as a “hub and spoke” (Photo courtesy World Economic Forum) October is also scheduled as European system of supervision heavily backed by national the date by which the G20 expect to propose and agree the supervisors. When describing the way forward, he said “the first handling of globally systemically important financial institutions (G‐ priority should be the success of the European stress test exercise. SIFIs) and a framework is expected to ensure stability through European banks are still operating in a fragile market environment capital surcharges, contingent capital, bail‐in instruments and and we need to make sure that they are able to withstand a further systemic levies. This framework is expected to be on top of the severe shock and that those that aren’t strong enough are subject requirements of Basel III. The G20 also expect proposals by the to appropriate supervisory actions.” middle of this year on regulation and oversight of the shadow Enria starts his role of Chairperson on March 1st. Previously, he banking system with an emphasis on the risks of arbitrage as well was Head of the Supervisory Regulations and Policies Department as those associated with new technological trading platforms. m at the Banca d’Italia. m London trader jailed for £14M fraud A case brought by the City of London Polices Economic Crime Chase Cooper Directorate has resulted in a City trader being jailed for eight years. Strategic Compliance Terry Freeman of GFX Capital assured 350 investors of high returns Breakfast Briefing by investing in foreign exchange markets. Investors were also Held on 16th February, Chase Cooper’s fourth Strategic 5 assured that stop loss checks had been put on their accounts. They Compliance Breakfast Briefing was held as a complimentary were also given false trading statements which showed that their service to current and new clients. accounts were healthy when, in fact, Freeman was using their funds to pay off other investors. It also turned out that Freeman Nick Gibson, Director of Compliance Solutions at Chase Cooper, had falsely stated he had previously worked at Morgan Stanley covered a wide‐ranging agenda, looking in some detail at the when the truth was that he had a string of convictions going back troublesome practical implications for UK businesses of the new to 1979 but that he had changed his name in 2000 to avoid being European regulatory system and of the ongoing MiFID2 review, set identified as such. against the backdrop of the current political and economic situation in the UK and worldwide, and the existing focus of FSA Freeman pleaded guilty in Southwark Crown Court to six charges and proposed changes within UK regulation. The event was including fraudulent trading and trading whilst bankrupt. Although attended by 15 senior delegates from brokers, corporate banks, the deception was uncovered when Freeman could not hide the private banks and the insurance sector. losses made following the Lehman collapse, much of the investors’ funds had been spent on holiday homes, entertaining in executive The next Breakfast Briefing, which is open to senior compliance, boxes and on gifts for his family. The court heard that threats from business and risk staff working in FSA authorised firms, will be held overseas investors had resulted in Freeman handing himself into at Chase Cooper’s offices on 16th March 2011 with registration the police. m from 8.30 a.m. You can register your interest online here. m
Regulatory ASYMmetricALNEWS The back page, sometimes critical view from the EditorFSA HANDBOOK RULE CHANGES Who will manage liquidity risk? Who has overall responsibility for this?The rule changes to the FSA Handbook Liquidity risk, its management, measurement and standards, are now firmly part of the new resulting from the Consultative Paper 10/3 and Basel III requirements. A standard, part of the many documents that currently make up Basel Policy Statement 10/15 on Effective Corporate III, "International Framework for Liquidity Risk Measurement, Standards and Monitoring", was Governance come into released last December. The objectives are to manage both the short‐term effect on the 1st of May. resilience of a banks liquidity risk profile and to pressure the banks to look These new rules, based for more stable sources of longer‐term funding. on the 2009 Walker Review, are to improve To achieve these, two measurements have been introduced: the Liquidity corporate governance in Coverage Ratio (LCR) for the short‐term objective, and the Net Stable financial firms. Included Funding Ratio (NSFR) with a time horizon of one year to provide a in the requirements is "sustainable maturity structure of assets and liabilities". The timetables the setting‐up of a Board for both of these are relatively benign: January 1st 2015 for the LCR, and level risk committee three years later for the NSFR. However that does not mean that risk predominantly made up managers can sit back and wait as these are dates for achieving of non‐executive compliance with the required ratios and it will take time to implement directors and with direct contact with the new funding disciplines. Liquidity management will require daily checking on the ratios and regulators. assurance that stocks held are not encumbered or otherwise compromised in ways not MiFID REGULATION reflected in the risk management calculations.Consultation has just ended on the The question then arises as to where the responsibility for the management of stocks and the categorisation and regulation used in EUs associated liquidity risk should sit in an organisation. What is the level of involvement of the MiFID (Markets in Financial Instruments banks existing risk management framework and where does overall responsibility lie?Directive) for trading venues. There is On page 7 of the abovementioned standard, the BIS comes down marginally in favour of the particular market concern on the impact the banks treasurer. It says "The stock should be under the control of the specific function or proposed changes could have on broker functions charged with managing the liquidity risk of the bank (typically the treasurer)" and crossing networks (BCNs) with their having to suggests that, as part of its ongoing stock management, the bank should periodically test the identify all their trades in post‐trade data submissions and to provide public end of day liquidity of stocks via repos or outright sales of portions of the assets. But this means that information on daily activity. This would there are two separate operations managing the liquidity risk within an organisation, one run effectively transform them into MTFs by the treasurer and one run by the chief risk officer. (Multilateral Trading Facilities) with open Liquidity is only one of the risks associated with a banks assets. There is also the price and memberships and price disclosure. return on the assets (market risk) and their probability of default (credit risk). And there is the operational risk embedded in the process of testing, and eventually liquidating, the AUDITORS/SUPERVISORS CONSULTATION The FSA and the Bank of England have positions. All these facets need to be managed and reported together and banks need to avoid creating any silos, or even conflicts, in their control of risk. 6published, for consultation, a code of practice on how external auditors and supervisors will At a Basel III conference, late last year, attended mainly by delegates from the risk work together. This is particularly targeted at management community, an informal show of hands on the question "who manages risk high impact firms and obliges their auditors to management" came down firmly in favour of the treasury department. There was no question work closely with the regulatory supervisors. that these risk managers did not want this extra responsibility ‐ or maybe there were a lot of Responses to the consultation should be in by treasurers in the audience?March 25th. But whilst there is never any single measurement of risk in an organisation, there should be a SOLVENCY II UNLIKELY FOR IORPs single point of reporting the risks ‐ from the chief risk officer supported by the risk committee, According to the European Federation for to the Board risk committee and via them to the Board. Having parallel reporting lines will be Retirement Provision it is unlikely that the EU counter‐productive. will apply Solvency II to institutions for Would it be possible that the liquidity risk manager, sitting within treasury, then also reports to occupational retirement provision (IORPs). An the chief risk officer, along with the heads of operational, credit and market risk? There is a internal EC report said that changes to possible precedence for this in the ALM. But, like ALM, treasury is a well established part of a pensions would result in substantial costs to banks operations and it is unlikely that the department will appreciate the imposition of member states, raise government debt levels branched reporting lines. It would be interesting to and increase budget deficits. The report did, metric is published by understand how banks are planning to handle liquidity risk Chase Cooper.however, call for enhanced control regulations management processes and responsibilities. m web: www.chasecooper.comon pensions. email: email@example.com


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Continental Realty Corporation (CRC), in partnership with global investment firm Brown Advisory, has closed on the Core Multifamily Fund, LP, in which approximately $146 million in private equity funds were raised.
The Baltimore-based partnership for the fund will target Class A, well-constructed properties built within the past four years, with a focus on stabilized or near-stabilized opportunities throughout Southeast suburban and urban submarkets.
“The Core Multifamily Fund provides our team ongoing capacity to acquire newly constructed Class A assets in these regions of the country where we have been investing since 1996,” JM Schapiro, CEO of CRC, told Commercial Observer. “Given our deep understanding of the markets and current market conditions, especially the job and population growth, our vertically integrated team believes this is the optimal time to invest in a core multifamily strategy for long-term holds.”
The company will look to acquire newly developed top-quality suburban and urban communities in locations with strong demographics and limited new supply, Schapiro added.
CRC will remain an active buyer of value-add investments throughout the mid-Atlantic, including The Crossing at White Marsh, Padonia Village and Courthouse Square, all in the Baltimore area.
Since 2017, CRC has acquired 13 multifamily properties totaling more than 3,200 units with a total capitalization of approximately $750 million throughout the mid-Atlantic and Southeast portions of the U.S. Those include Edison Lofts and St. Mary’s Square in Raleigh, N.C.; The Flats at Ballantyne and Park & Kingston in Charlotte, N.C.; and Central Island Square in Charleston, S.C.
Of those recent deals, 70 percent were sourced off-market based on the company’s deep relationships with key market participants throughout the regions, and it’s expected those relationships will continue to allow CRC to source off-market opportunities on behalf of the new fund, Schapiro said.
Overall, CRC owns and manages a diversified portfolio of more than 9,000 apartment homes, as well as retail centers and other commercial properties consisting of more than 6 million square feet of commercial space across 10 states, with a portfolio value exceeding $3.2 billion.
“We believe multifamily properties benefit from attractive long-term supply/demand dynamics, and current multifamily fundamentals are strong,” Ari Abramson, vice president of acquisitions for CRC, told CO. “Historically, real estate has outperformed public equities and fixed income during periods of rising inflation. Furthermore, multifamily investment provides for a hedge against inflation as multifamily leases renew each year, allowing for annual resets of rental rates.”
Keith Loria can be reached at Kloria@commercialobserver.com.


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19 mar Emergency Office Skills And then CBD Insertion
There are an important impressive upsurge through announcement give attention to therapeutic cannabis around 2013, with the help of evaluations regarding CNN, ABC, CBS, together with near by magazines approximately high-cannabidiol cannabis gas essentially manipulating the symptoms of odd epileptic difficulties want Dravet malady, Doose symptoms, infantile spasms, cortical dysplasia, as well as a lot of more. Should you wish to understand regardless a unique CBD gas brand’s products are of excellent, be taught ones own supply. Typically the gains inside along with flowers of marihauna vegetation are utilized to create joint capsules and then edibles specified make ordinarily consists of 15-20% THC. A pair of of the really most energised along with undertook studies ingredients of cannabis in many cases are tetrahydrocannabinol (THC” ) and then cannabidiol (CBD” ). Labels on homeopathic products, preclinical along with precise trials for the’nineties’ve became revealed all the antipsychotic doable from cannabidiol (CBD), a fabulous offshoot of one’s cannabis sativa seed which will doesn’t possess this unwanted psychoactive elements regarding tetrahydrocannabinol.
Good researchers, CBD confirmed productive anxiolytic (anxiety-relieving) results during pet animal examine, at the same time along with counterintuitive outcomes. CBN may perhaps be improved inside marihuana place elements with your aging the primary item, subjecting the item to sun as well as lighting for the purpose of a lengthy occasion – months. Truly used a couple of CBD supplements for a lot of Further, it may perhaps be good to produce an important CBD oil and gas constantly, meaning cannabinoids could certainly collect while in the body. It cannabis herb may help remedy sensory problems discomfort, panic and anxiety, together with epilepsy.
CBD essential oil will probably be amazing not merely about food products and isolatedcbds also additives, and in addition drugs. These kinds of toxins make sure you get do-it-yourself CBD oil. The progres positions takes place to get improved rise in a community right now observing explosive development owing to escalating duty regarding cannabidiol, or maybe CBD, the non-psychoactive materials in just hempen necktie countless discover so as to more desirable health. For that reason even more areas are actually legalizing typically the has from hempen necktie flatulence, different from it has the medical marijuana similitude that is certainly illegally reproduced to have a good amount of states. Nevertheless, it can be unlawful therefore to shed together evolving into about regular sale on britain. Medical care cannabis features cured samples of THC, this is actually the component of your medical marijuana grow that may tends to make the so-called’increased ‘.
We’ve been aware which several companies are promotional CBD merchandise to treat health problems or even for extra treatment incorporates, and we revealed a variety of caution emails that will consisting of firms. Based on the type CO2 descent used, the manner might in all probability draw out not merely CBD however any other cannabinoids (see #5# 5 5) with the guarana plant, Boyar says. Body which may have receptors pertaining to CBD. The 2018 Federal government Grind Charges cleans unique hemp-derived programs along with a THC put emphasis of just 0.3% by means of run dry excess fat by Technique When i of one’s Influenced Ingredients React, then again it certainly can’t legalize cannabidiol (CBD) generally.
Research find that CBD is often a purely natural together with efficient medication pertaining to great maintain pressure. Yet, I’ve read that is why countless anecdotal evaluations connected with CBD mitigating stress and also ache in which Now i’m very pondering it. Duplication his or her’s fabrications often contains this period shown typically the ANC i think with others included in the door-to-door voter advertisments, and then We’ve hinted somewhat regarding it above. Once you press one way links, aren’t bring in revenues to help our features found in studying customers not to mention encouraging knowledge about the use of cannabis. Eye ball health and wellness has become the major reasons precisely why most people update for you to cannabis gas.

domain: medical


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Q. How do your therapies work?
A. If it’s about the process, it is a combination of deep meditation & hypnosis. Our multiple life-transforming therapies work with the help of divine blessings of spiritual guides and masters that assures you to show you the divine light and right path to follow and come out of your struggle.
Q. What are the problems your therapies can deal with?
A. Our therapies are helpful for problems such as health, relationships, financial blockages, fear & phobias, anxiety & Depression, personality disorders, addictions, confession, meditations, personality development, spiritual, soul nourishment, and emotional traumas & other unexplainable conditions. We can say, it helps with almost all the problems.
Q. Where are these problems coming from?
A. If we are unable to find the reasons for our present problems or fears right in the present, then this must be something that is coming from the past. It might be something that we have forgotten but have not healed and this is why it is calling us. So, we have to go back and search for those reasons in the previous lifetimes where we have been in different forms and characters.
When we experience and visit our past lives that is the point when we realize that it is an endless journey and things are not happening to us for the first time. It is not about one or two lives. We have been here for a long time now on this infinite journey. We have become a witness to several incidents. Thus, we have collected many memories such as fears, anger, sadness, love, guilt, stress, anxiety, and such emotions and feelings are so deeply inherited in our subtle body that they keep on affecting us life by life till we understand it, experience it and come out from it with awareness. It’s our responsibility that after the knowledge of it, we heal and do not carry it for the rest of our life.
Q. What is the duration of therapies?
A. It can take a maximum of 2 hours for Past life regression and hypnotherapy. For healing sessions, it requires an hour at max.
Q. Any precautions need to be taken or any side effects?
A. As for precaution, we only recommend you to come after a good amount of rest and with enough time that is required for the therapy.
Since all the therapies are based on spiritual science, there are no after-effects.
Q. How do you decide which therapy to go for?
A. We decide that according to the problem and the person involved. But the main thing here is the interest of our client as all our therapies work for the same motive, which is to heal you. So, we explain all the services and benefits to our clients and the rest is up to them what they decide to go for. We guide them about everything but let them take the final decision.
Q. What if, after the therapy sessions, I still have some issues, doubts or queries?
A. When you connect with us and take therapy or a session, our connection doesn’t just end here. We are here for a lifetime- at any point; you feel the need for help or guidance, you can always get in touch with us. We, on the contrary, want our clients to feel free and keep us updated about their progress and life journey at any point in their life. If we can guide or help them, we will be grateful.
Q. How to choose the right therapist?
A. Well, this is an important question but difficult to answer because it is difficult to differentiate between a real and a fake.
So all I would say is to let your inner voice and intuition work here. With a little knowledge and awareness you will be able to make out the difference because the real has its essence and since it’s a spiritual science so just with the outer knowledge one can’t manage and inner knowledge is something that comes with experience so that cannot be copied at all. Go for the therapist you feel the connection with.

domain: psychology


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Roper Knives - Mastering Knife-Making Skills
Roper Knives was established with a motive to present the finest tactical and everyday knives for real-life adventure enthusiasts, working farmers and cowboys. The company has a team of professionals, working diligently towards bringing the qualitative range of knives. The company has spent years in researching and developing high-performance knives; their experience and deep understanding of the knives and the mechanism is very well-reflected in the knives they have been manufacturing till date. The company uses state-of-the-art technology and the finest material to make every product of Roper Knives praiseworthy.
Quality Speaks for Roper Knives
Roper Knives are considered as the most reliable products in the knife-buying industry. The multi-tool utility knives are designed with a vision to provide and make it much more convenient for the real-life knife users to easily survive the most demanding situations. The exhaustive inventory includes the fixed blade knives, folding knives, trapper knives, peanut pocket knives, pocket knives and more. These are sturdy knives with robust construction done using with stainless steel and carbon steel blades, suitable and ideal for heavy-duty tasks. The proper weight distribution along with the optimum style makes these knives ideal for combat or life-threatening situations. The impressive edges of the knives are perfectly sharpened and have optimum strength to cut through any material. Roper Knives has successfully set an example of how knives should be constructed for different purposes and situations.
Digging Deep into the Inventory of Roper Knives
Roper Fixed Blade Knives: The series includes daggers, boot knives, hunting knives that are specifically designed for most of the combat and tactical situations. The blades of these knives are born tough and can withstand extreme conditions. The penetrating ability is commendable; the blades work smoothly even after repeated strokes and do not split. Carry these knives on your next adventure expeditions to make it convenient to carry out tactical situations.
Roper Folding Pocket Knives: The folding knives in this series are manufactured using premium-grade material with the ability to withstand extreme conditions. These are the foldable knives and owing to the compact design, it becomes suitable and convenient for the user to carry anywhere. The blades are razor-sharp and pierce through most of the hardest material. The handles are wide enough to make
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Roper Toothpick Pocket Knife Series:The toothpick series are the foldable pocket knives that are manufactured to cater to the requirements of adventure enthusiasts and the real-life everyday users. These are the knives that are suitable for self-defense, hunting, and other outdoor excursions. The sharp stainless-steel clip point blade pierces through most of the toughest material without getting split. The knives have satin finished bone handles in bright colors for increased visibility. The handles are slightly curved from the bottom that offers users tight and comfortable handling throughout while using the knife. The pointed blades with sharp edges are attached with the handle using stainless silver nickels.
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Roper Knivesoffers exceptional quality and high-performance knives that are quality tested and designed by the experienced craftsmen. Every knife by Roper is warranted to be free of any kind of manufacturing or designing defects. In rare case, if the products are found to defect then, inspection will be done to ensure that the product genuinely defects. Only after the inspection, the product will be sent for further repair or replacement that solely depends on the availability of the product. Apart from this, the products are not intended to be used as chisels, pry bars, or screwdrivers that can hamper the product’s performance and quality.
Knives, Blades and Survival Kits for Hunters and Knife Users Under One Roof
Knife Country is one of the most reliable names offering an exceptional range of survival kits, knives, and cutlery to knife enthusiasts, adventure enthusiasts, and knife collectors. This e-portal has collaborated with more than 500 manufacturers across the world to offer a plethora of lifestyle-related products in different categories. The inventory has more than 30,000 products that are specifically sourced only from renowned manufacturers after complete inspection and assurance. These sourced products are tested on the field and leave no room for doubt for the users. Expect superior quality products to be available at Knife Country. One can buy survival equipment, camping shovels, axes & hatchets, hammers, camping gear, folding knives, and flashlights.
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Press Release –
Victoria Park in Owen Sound played host to the Tim Horton’s Georgian Cup, Round #4 in the Canadian Snowcross Racing series. After being postponed from its original date due to a lack of snow, the Georgian Cup certainly didn’t disappoint. Hundreds of loads of snow arrived at the park leading up to the event which allowed for a great track to be laid out in front of the grandstands, featuring lots of air time making it a spectator and racer favourite.
Semi-Pro Open was first on the track for Saturday’s feature events. #217 Sean Macaulay (Rosko Powersports/Ski-Doo) got out front and held off his hard charging competitors to take the win ahead of #333 Jeremy Van Dolder (Ski-Doo) who finished second. #219 Jamie Byers (Supertrax/Byers Motorsports Polaris) followed behind Van Dolder to secure the final position on the podium in third place.
When the Pro racers took to the track for the Pro Stock final it was local racer #999 Michael Van Dolder (Dayco/Ski-Doo) leading the pack. Fans were on their feet as they watched their hometown hero lead the rest of the class around the track holding onto the front position for the first half of the race. #115 David Joanis (Bourque’s Polaris) eventually caught up and put the pressure on Van Dolder, and was soon joined by #73 Lee Butler (Royal Distributing/Factory Recreation Ski-Doo) who worked his way up from mid-pack to make it a three-way battle for first.
With only a handful of laps left to go, Joanis made his move and passed Van Dolder for the lead eventually settling in for the win. Van Dolder finished second place followed by Butler in third.
On Sunday, the Semi-Pro’s took to the track for the Semi-Pro Stock final. Off the start it was #381 J.B Dennis who took a strong lead. Unfortunately for Dennis, it would turn out to be short-lived as he sent himself cart wheeling along the rhythm section in front of the grandstands. A dazed and obviously frustrated Dennis walked off the track watching #333 Jeremy Van Dolder take over as the leader.
After Dennis’ crash, Van Dolder started to pull away from the rest of the pack as a heated battle for second took place behind him. #101 Andre Gervais, up from the Sport class, was doing everything he could to hold on to his current position in second place and hold off #287 Jeff Sanftenberg and #511 Jaymie McPhail. At the checkered flag it was #333 Jeremy Van Dolder (Ski-Doo) taking the win at his hometown race, followed by #101 Andre Gervais in second and #287 Jeff Sanftenberg in third. The race all the fans sat through the cold for, The Pro Open, took to the track next and it was filled with excitement.
The race had to be red-flagged after the start due to a crash following the first corner that left #202 Joey Sagan out of the race. With a complete re-start, it was Rockstar racer #73 Lee Butler taking the holeshot and disappearing from the rest of the pack with a considerable lead. 111J was near the front from the start but started to fade, allowing for both #98 Michael Island and #115 David Joanis to move past Orr and challenge #999 Michael Van Dolder for second place.
Island and Van Dolder battled back and forth for a number of laps before Island eventually made the pass for second place. At the finish line it was #73 Lee Butler (Royal Distributing/Factory Recreation Ski-Doo) taking first place with #98 Michael Island (Rosko Powersports/Ski-Doo) in second and #999 Michael Van Dolder (Dayco/Ski-Doo) rounding out the top three.
In the Pro Women’s class it was once again # 55 Angela Vacchino (Team Shorline/Arctic Cat) who got out front from the start and never looked back, taking her third overall win of the season. #111S Stacey Orr (Rosko Powersports/Ski-Doo) took second place ahead of Sport Women racer, #777 Caley Weese who battled hard with #318W Brittany Thompson for the third and final spot on the podium.


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Flipkart will provide instant loans via video KYC
Walmart-owned Flipkart has more than 100 million ecommerce users. Now, the time has arrived for them to jump into full-fledged fintech services.
As part of their endeavours, Flipkart…
After reckoning the Indian smartphone market, Xiaomi is now all set to enter different segments of the Indian market. Last year the company gave out a brief on its upcoming plans in India, and Xiaomi Payments Bank is a part of it.