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Published at Sunday, March 18th 2018, 08:23:43 AM by Alleffra Petit. Faucets. Having a view of nature while you’re washing dishes is nice, but it’s not the only option for kitchen design. What if there aren’t beautiful views on the other side of the wall, or maybe you’d rather get more function from the space above your kitchen sink? If you’ve been looking at this area and wondering how to make it more useful or attractive, we’ve got some ideas to share!
Published at Monday, March 19th 2018, 09:19:58 AM. Kitchen Backsplashes By Alleffra Petit. As always, it’s possible to mix and match various color and color nuances to create a special pattern or a combo that complements the kitchen in the best possible way. consider a sort of mosaic backsplash made out of travertine tiles.
Published at Sunday, March 18th 2018, 08:23:43 AM. Faucets By Alleffra Petit. This is another very nice looking and stylish faucet that will compliment the looks of any kitchen environment that it is placed in. Just don’t mistake its conservative looks as not being able to fit into an ultra modern kitchen design. Designs like this are used all the times in ultramodern style kitchens.
Published at Saturday, March 17th 2018, 17:06:42 PM. Kitchen Backsplashes By Aveline Vincent. It’s natural to associate travertine backsplashes with rustic, traditional or farmhouse kitchens. That’s where they look most at home but that doesn’t necessarily mean you can’t successfully incorporate the trend into a modern setting. You just need to find the right balance of textures, colors and materials.
Published at Friday, March 16th 2018, 20:56:14 PM. Kitchen Backsplashes By Aveline Vincent. If you’re planning on having a countertop made out of a material which you love the waterfall design allows you to put an emphasis on it and to make the material stand out more. Of course, that means a considerably higher price.
Published at Tuesday, March 13th 2018, 19:31:23 PM. Kitchen Backsplashes By Bettine Roux Roux. Wood is a more forgiving material, one that’s more accessible to DIYers compared to stone. Of course, that doesn’t mean anyone can make a waterfall countertop, even if wood is the material of choice. In fact, creating a fluid a continuous design can be pretty tricky even if you’re working with a single huge wood slice.
Published at Sunday, March 11th 2018, 20:17:33 PM. Faucets By Bettine Roux Roux. Many people think that they have to spend a lot of money to give a room in their home a makeover but it simply is not true. Take your kitchen for instance. Sure you can buy new appliances and change countertops to give it a new look but you can also do such things as change the fixtures and paint the cabinets to accomplish the same thing inexpensively.
Published at Friday, March 09th 2018, 20:27:43 PM. Kitchen By Blondene Dubois Dubois. Consider a light and fresh tone of green for the kitchen cabinets if the room is small or closed off in some way. This can help to make it seem more open and more spacious. White could be the base color used on the walls and ceiling and you can add neutrals on other elements.


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I'm a fan of Super heroes and I'm a fan of the Lego games. This should be a match made in heaven? Well kinda. The game is fun but suffers from some technical issues. The story is the normal Comic Book storyline. Batman and Robin fights off Joker and Lex Luther wants to take over Gotham with the help of the famous inmates of Arkham Asylum. Like every Lego game it has many humourous moments which make these games charming. This game contains many characters from the DC universe. However this game lacks the presence of one of my favorites. Where the hell is the Green Arrow? Since the Injustice game, he's become one of my favorite heroes.
The graphics and music were great. I loved the city of Gotham. Especially with the sunset, it looked gorgeous. The different locations were also great, from Arkham Asylum from Ace chemicals. This game explored different locations from the Batman lore. But what stunned me more was the music. It's basic the classic theme song from the 1989 Batman film. And what pleasantly surprised was the song remixed in many ways. There's even a disco version that can be found with Lexbots dancing to it. But the fact that the classic Superman theme song when you fly with Superman in Gotham City while playing Free Roam mode. I almost cried of happiness.
The gameplay. Ah The Gameplay. This is where I have mixed feelings. The classic gameplay is there and it's still quite fun. Where the problem lies is with the technical problems. The controls, especially for flying are atrocious. It took me a while to get used to. I thought they were not goof in Lego Marvel but this felt like it's beta. The basic controls for the fighting and driving are fine but the flying. They really need to work on this. Lego Batman 2 really has problems with pop up and I ain't talking simple background elements. I'm talking about characters, vehicles and Gates that unlocks heroes. Sometimes I needed to back off and other times i needed to reload the game for them to appear.
My advice play if youre a DC fan or need an easy platinum. There is fun to be had but suffers from serious technical issues.
So I returned to write new content for you myign. I just finished playing Resident Evil 6 on my old fat PS3. This is actually the second chance that I am giving to this game. The first time, I admit, I rage quit after a few minutes. I recently came back to this game. Why? Maybe just because I was bored out of my mind. Resident Evil 6 takes place after the fifth installment. You know the ultra racist game with a Chris Redfield on roids. Wesker is dead. Jill is saved. But a few loose ends had to be told in another installment of the popular franchise. So this one is set up explain what happened to the franchise's favorite characters. They still can't explain why can Chris Redfield punch a bolder but needs a partner to open a goddamn door?
The story is divided in four different missions, but ends up all related. You got Leon S. Kennedy, Chris Redfield, Shelly Birkin and Ada Wong. They got their partners since the game is set up to play co-op. It tells the story of a terrorist group called Neo-Umbrella. A group that uses Biological Weapons against the world. They are following the example of the former Umbrella Corporation, who are the cause of all the mayhem in the previous games. Without going into spoilers. The story is decent. It'S not bad but it really ain't close of what Naughty Dog can achieve in the storytelling department. It'S fun to see how all the stories are connected and you visit the same events but with different perspectives. The story was a strong point in earlier games but it really aint top notch. I look at it like a summer Hollywood blockbuster. Entertaining but forgettable.
The sound is pretty much well done. It's creepy when it needs to be and the voice acting is good... for a Resident Evil game. The music is good but no where near the greatness of earlier games. But now we know that the composer of the original games was a fraud. I can let it pass.
The gameplay is four different entities. Similar but each one of some differences.
Chris Redfield. His campaign was complete crap. It plays like a horrible 3rd person Call of Duty. It's just plain action. The controls and camera are complete crap.
Shelly Birkin and Jake. This is basically an action game but its better done then the Redfield campaign. Jake, the new character kicks ass. And this campaign has one of the best enemies in the Resident Evil franchise since the Nemesis. That dude comes at you over and over again and can take a huge beating. I swear, he's the best thing since the Nemesis.
Leon S. Kennedy. I loved his section for the main reason, they brought back classic zombies to the Resident Evil franchise. I missed them to be honest. And navigating a zombie infested town is really great and makes me realize that they should remake the original Resident Evil games like this. It's not as much survival horror as I would have hoped but it's pretty good.
Ada Wong. My favorite character in the franchise with Chris. She's mysterious, strong, independant and you never know for which team she is playing. Her style is great. They brought back classic RE puzzles just for her. However they are not as hard as I would have wished but they have returned. And she has a freakin' grappling hook.
Overall this game is not a great game but it's better then I expected. I had fun. I got this for 5 bucks and I would said i dunno i would have paid more but for the price I have tons of fun.
Score. I dont give out scores

domain: game


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The Rev. Eugene Harvey Buxton Jr., a priest of the Diocese of Texas who also served in Hawaii, Ohio, Wisconsin, and the United Kingdom, died Aug. 11.
Born in Akron in 1931, he attended the College of Wooster and Bexley Hall Seminary. He was made deacon in 1955 and priest in 1956.
On the recommendation of Bishop C. Andrew Doyle of Texas, Buxton wrote the book Bishops in My Life, which detailed his recollections of Maurice Benitez, John Pares Craine, William Wallace Horstick, and Beverly Dandridge Tucker.
“I see and feel an exiting and fresh future for the Episcopal Church,” Buxton wrote. “Simply stated, the once-upon-a-time church needs to wake up from her Rip Van Winkle sleep and discover with fresh words what it means to truly receive the Gospel of Jesus Christ. I still wonder what the great 19th century gospel preacher Billy Sunday meant when he said, ‘The Episcopal Church is a sleeping giant.’”
Adapted from Garland Poland, Diocese of Southwestern Florida

domain: library


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Creative 100% Collection
Unleash your creativity with this "clean slate" of an album cover. With a cover 100% designed by you, you can fully personalize it to fit the needs of your customers. Opt for a padded or standard cover in a gloss or matte laminate to finish off your design.
Photo Album includes:
- handmade printed hardcover
- lay flat, rigid cards
- your choice of paper type
Fuji Silk & Fuji Pearl Crystal Archive Digital papers which have images exposed onto them with Silver Halide Noritsu HD technology. These two paper types can be mixed together in one album. Fuji Silk or Fuji Pearl paper - minimum 5 up to maximum 40 spreads in one album.
Canon Deep Matte paper has images printed with inkjet technology on the Canon DreamLabo 5000. Canon Deep Matte paper cannot be mixed with other papers in one album. Canon Deep Matte paper - minimum 5 up to maximum 35 spreads in one album.
Mohawk Matte paper is a fine art paper created with natural fibers. Mohawk Matte paper cannot be mixed with other papers in one album. Mohawk Matte paper - minimum 5 up to maximum 40 spreads
You can choose to have the corners of all the pages of your album rounded. This is a nice alternative to the traditional corners frequently selected by our clients. Rounded corners are applied to all pages and give off a nice storybook feel to your album.
Each album spread is reinforced with a spacer. In standard, white spacers are applied. However, you may select black spacers as an add-on for 8x8", 10x10", or 12x12" photo albums. Their function of the spacers is the same, the only difference is their color.
Layflat pages give you a chance to enjoy seamless panoramic photos on each spread of the album. The albums open completely flat and when designing, you can use the whole spread as a canvas without worrying about having a crease in the middle of your image.
We are now offering three paper types in our Photo Albums. Deep Matte (240g) paper is a genuine Canon paper printed on the Canon DreamLabo 5000 with inkjet technology, while the Silk (253g) and Metallic (250g) papers are genuine photographic Fujicolor Crystal Archive Digital papers which have images exposed onto them with Silver Halide Noritsu HD technology.
While Silk and Metallic papers can be mixed together in one album, Canon DreamLabo Deep Matte paper cannot. The reason being the different technologies which are used to print/expose your images onto the papers
You can make your cover more prominent and apply a padded cover to it. A padded cover makes the album a bit thicker and more pleasant to the touch.
To protect a printed cover from many external factors which may have a bad influence on its structure, we offer our clients cover lamination. The cover can be laminated with either matt or glossy laminate. It secures the surface of the cover and makes the whole album more endurable. This choice of cover option is only available for the Creative 100% Collection.

domain: design


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We may often use the terms, heartburn, acid reflux, and GERD, interchangeably. Though they are interrelated however, it is important to know the implications of each terms. Understanding these conditions is key to knowing how to treat any of their symptoms upon getting them.
A circular muscle, known as the lower oesophageal sphincter (LES), connects your oesophagus and stomach. This muscle oversees the tightening of your oesophagus after the food is passed to the stomach. If this muscle is weak or does not function properly, the acid from your stomach can travel back to your oesophagus. This is called as acid reflux.
Acid reflux can result in heartburn and other symptoms like:
Certain home remedies for acid reflux can help relieve your discomfort. Home remedies or over-the-counter antacids can be some of the safest bets when it comes to acid reflux medication.
Coming to heartburn, it’s surprising to know that the heart has nothing to do with it. Heartburn happens in your digestive system, and more specifically, in your oesophagus. Heartburn includes mild to severe burning sensation or pain in the chest. It’s often mistaken for the pain caused by a heart attack.
The lining of the oesophagus is different as compared to the lining of the stomach. The acid in the oesophagus, therefore, causes a burning sensation in your chest. The pain may feel sharp, like a burning sensation, or similar to a tightening sensation. Some people may define heartburn as a burning sensation that moves around the neck and throat or as an uneasiness that feels like it has originated behind the breastbone.
Heartburn is a condition that’s commonly experienced in today’s times. It is usually experienced after eating. You may be able to decrease the frequency of experiencing heartburn by:
Mild, occasional heartburn can be treated with medications like antacids. If you want a quick and safe heartburn treatment, try Gaviscon,, World’s No. 1 Heartburn specialist ^, that lasts upto 2X longer vs. Ordinary antacids*.
Your heartburn may be a sign of a more severe problem like acid reflux or GERD.
GERD is a severe form of acid reflux. It is identified when acid reflux happens more than twice in a week or causes inflammation in the oesophagus.* Long-term harm to the oesophagus may eventually lead to cancer. Pain from GERD may or may not be treated with antacids or other over the counter (OTC) medication.
GERD symptoms are:
Most people can experience heartburn and acid reflux, occasionally related to something they ate or habits like lying down right after their meal. GERD is more of a chronic illness where doctors begin to observe old habits and the parts of a person’s anatomy that could cause GERD.
Examples of some of the causes of GERD are:
GERD may disturb your daily life. Luckily, they can typically be controlled with treatments that include:
Treatments for GERD work to decrease the amount of acid in the stomach. They may not be effective for everyone. Some people may need surgery to support the LES.
Symptoms of heartburn may mimic that of a heart attack. You should call upon your doctor immediately if your heartburn discomfort and chest pain get worse. Also, call the doctor if the heartburn or chest pain is accompanied by:
Sometimes GERD symptoms can demand the need for emergency medical attention. These symptoms are:
Not all heartburn requires medical care. Occasional and mild heartburn can be treated with antacids and changes in your lifestyle. Experiencing rare acid reflux is not a cause for concern. To know more about Gaviscon, click here.
Schedule an appointment with your doctor if you experience heartburn two or more times a week or if over-the-counter medications don’t relieve your discomfort.
^Claim based on information aggregated and reported in part from data supplied by Nielsen through its Retail Measurement Services for the defined category (RB defined) for the 12 month period ending June 2020, for the defined RB geographic focus.
*Comparing Gaviscon with select ordinary antacid
“As established in:
Article published February 15th, 2021

domain: health


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The lack of graft success is a problem that causes economic loss to nursery growers and wine growers, especially because it is often expressed when the vineyard is already established. Grafting is a complex phenomenon, involving anatomical, physiological, biochemical and molecular interactions between the scion and the rootstock. For this reason, the lack of graft success is a complex problem to study. However, it is believed that through a joint analysis of the different mechanisms of graft success, one can advance more quickly in the knowledge of this phenomenon. Despite the scarce information available on the role of phenolic compounds in Vitis grafts, an analytical method was developed and validated for phenolic compounds quantification in vine graft tissues reviling some chemical markers for the cv. ‘Syrah’ with 110R and SO4 rootstocks. This work aims to determine, among phenolic acids and two flavanols, the chemical markers of graft compatibility between scions from two clones of cv. ‘Touriga Nacional’ (TN 21 and TN 112) and the rootstock 110R. For this purpose, extracts of grafting tissues were prepared at three different locations (above, below and at the grafting union), and were analyzed in three different stages of the grafting cycle. From all sections analyzed, the graft union tissue is the one to discriminate better the two combinations. Gallic acid, catechin and sinapic acid were found in higher amount at graft union in the less compatible combination later in graft development. Furthermore, the chlorogenic acid had a higher content in the more compatible combination at the early stage when compared to the less compatible graft.
- Graft success
- Phenolic compounds

domain: agronomy


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Lyndia Mote paused and looked at Margarett Badon We can't have a result either Georgianna Stoval didn't at what blood pressure is medication needed go over his head to give the how to get rid of high cholesterol naturally gift, and reached out his hand to signal Eat slowly.
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Hi. I use Layout as a part of my architectural drawing workflow. I model in Sketchup and produce drawings in Layout. As part of my workflow I make detail scaled drawings overlayed over model viewport sections. My problem is that Layout and the drawing process gets very slow and laggy, screen response becomes very slow and it’s a generally very frustrating experience. I have “Groups” turned to “darker” in Document Settings. I have tried tracing over raster rendered viewports but this doesn’t change performance in the scaled groups in which I am drawing.
I would welcome any general performance tips people might have. In particular I would also like advice on where the performance bottleneck is; I am planning to buy a new Mac and need to know whether to focus on single processor speed, multi-core speed, RAM or graphics card performance. Currently I am using a 2015 MacBook Pro, 2.7GHZ Dual core i5, 16GB RAM, Intel Iris 6100 integrated graphics. I display on a pair of 4k Dell monitors.
Any advice welcome!

domain: artistic


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Crypto Investor vs Trader for Tax Purposes in Australia
I’m Thomas Cane the tax advisor at Goodwill Chartered Accountants. Today we’re going to look at whether you could be considered a crypto investor or a crypto trader for tax purposes in Australia.
Crypto Investor vs Crypto Trader
First I want to look at what who is actually considered a crypto investor. A crypto investor is one who holds their cryptocurrency and is seeking to hold their cryptocurrency long enough for the value to increase. And then with the value increasing they were seeking to sell their cryptocurrency and make a gain. Whereas a crypto trader is one who is buying and selling cryptocurrency at a regular pace and seeking to beat the market through a frequent buying and selling, and making use of market and volatility.
Buying Intention (ATO’s view)
The difference between a cryptocurrency trader and a cryptocurrency investor comes down to intention. So what is the intention when you first purchased Bitcoin or cryptocurrency are you purchasing that cryptocurrency with a long term view in mind, you’re just trying to buy cryptocurrency and wait for the value to go up or you buy in cryptocurrency and you’re wanting to trade it regularly. Once you narrow down what your actual intention is then this is what the Australian Taxation Office is going to use to determine whether you are a cryptocurrency trader or whether you are a cryptocurrency investor. Note that this is the ATO’s current view and position on cryptocurrency trading and investing which could change at any point in time.
Feel free to contact me on my website or send me an email at email@example.com

domain: economics


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and his daughter. Gardens of the Renaissance. Flowers of the Renaissance. He appealed to Burghley to intervene with the Queen on his behalf, but his father-in-law repeatedly put the matter in the hands of Sir Christopher Hatton. In addition, Cecil had been elevated to the peerage as Lord Burghley in February 1571, thus elevating his daughter's rank, so the negotiations were cancelled. The Renaissance began in times of religious turmoil. Renaissance Thought and its Sources (1979 excerpt and text search Nauert, Charles. Vasari saw antique art as central to the rebirth of Italian art.
Retrieved July 31, 2009. Corvinus's library is part of unesco World Heritage. 36 His published poetry dates from this period and, along with Edward Dyer he was one of the first courtiers to introduce vernacular verse to the court.
Powerpoint themes for thesis, Dvm thesis bovine fasciolosis,
In 1576 eight of his poems were published in the poetry miscellany The Paradise of Dainty Devises. Butterfield, Herbert, The Origins of Modern Science,. 99100 Records of Early English Drama (reed), accessed mith 1964,. . (Retrieved May 10, 2007) Sohm, Philip. Pico della Mirandola wrote the "manifesto" of the Renaissance, the Oration on the Dignity of Man, a vibrant defence of thinking. Retrieved Bossy, John (1959 "English Catholics and the French Marriage, 15771581 Recusant History, 5,. .


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While it's not unusual for a mansion to feel like more like a hotel and less like a welcoming, family-friendly dwelling, this grand 22,000-square-foot Potomac home still manages to convey a sense of warmth. ...read full post →
This Maryland Tudor home in the Chevy Chase neighborhood was no stranger to often large remodeling projects before Susan Liss and her husband purchased it in 1998. After a large kitchen remodel, the couple wanted to complete the changes to their dream home.
Tragic events put their remodel on hold when Susan’s husband became ill and passed away in 2005. After his passing, Susan wanted to continue to restructure their home exactly as they both had wanted it. Enlisting the help of Tom Gilday and Dan Morales of Gilday Renovations, she was able to do just that. ...read full post →
The Thomas Point Shoal Lighthouse has stood as an architectural beauty and beacon of light for the South River portion of the Chesapeake Bay since 1875. So it seemed appropriate that this riverside home would receive a top-to-bottom renovation in its honor.
The owners purchased the home in 1997 and became increasingly unhappy with its original contemporary style. But with the help of Hammond Wilson Architects, they were able to give the structure an amazing nautical makeover, complete with an addition and reconfiguration of the existing rooms. ...read full post →
Homes are, at times, like clothes; no matter how big we buy them, there comes a time where there’s just no more room to grow. Howard Glaser and Karen Hinton experienced these growing pains in their five-bedroom Great Falls Colonial home. But instead of buying a whole new outfit, they ripped out the seams and added a whopping 800 square feet.
After bringing the talented Anthony Wilder Design/Build on board, they put in a second-story addition along with higher ceilings, a large, gorgeous window, extra-wide French doors and new lighting. The couple was already in love with their 150-year-old-reclaimed wood floors originally from a Georgia cotton mill, so they tracked down matching boards from Mountain Lumber Co. in Ruckersville, Virginia. ...read full post →
True architectural wonders and design pipedreams don’t necessarily follow a formula. This collection of homes in Washington, DC serves as a reminder that good taste comes in infinite arrays of shapes and sizes.
#1 – Walls and Walls of Artwork
Bonnie and Gilbert Schwartz’s bright, playful design style and interesting art collection can be found throughout their home. Their boldly colored contemporary art pieces come from all over the world, ranging from the Czech Republic to local DC galleries. Their favorite? The Maurine Littleton Gallery. They chose Walter Gagliano for the interior designer and Falcon Construction for their contracting work. ...read full post →


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While the title says "Monday", I did this piece on Sunday for the create each day challenge. I just knew I wouldn't get it posted til today. Actually it is the ONLY piece I created yesterday. I just couldn't work up much creative energy. Some days are like that I guess.
The word this week was "wave". I thought of a hand waving because I knew drawing an ocean wave would be a stretch. But as usual I decided to go the harder route. I am not sure it exactly looks like an ocean, but it is close. Sort of.


I'm new to burning anthracite. After all the great advice found here, I'm able to start a long burning (12 hour +) well controlled fire.
I also had a small explosion as mentioned in the quote below:
"If you don't you can cause a "small explosion" for lack of a better word. The gases will ignite. Just ask my brotther....
It's not anything that will cause damage or is extremely dangerous, except for maybe your eyebrows."
The damper was fully opened, however I think I closed the air intakes too soon causing the gas buildup.
Is the blue flame a result of these gases burning off ? What are the do's and don'ts to prevent this. No harm done, just a little adrenaline rush.
I've read to open the door slowly. This incident happened with the door fully closed and I was adjusting the intakes. After recently reloading the stove (Brunco SpitFire, Made in Salem, Ohio).
I'd appreciate any advice to prevent this. Also , if possible, an explanation of how coal burns to better understand what's happening when coal is added to the stove. If too much time passes without a blue flame after a reload, are the gases building up to an explosive level ? It seems as if the gases given off put out any flame on burning kindling. Thanks, MPD


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The passel known at once as the Beatles began as another(prenominal) classify from Liverpool, England called the tar issue forth area Men. In July 1957, in Liverpool, capital of Minnesota McCartney was introduced to tush Lennon and soon became part of his group, The Quarry Men. McCartney then wanted his friend, George Harrison, to touch the band. Though he was ab initio against it, Lennon finally gave in and have Harrison audition; he became a member of the band in 1958. (Lazarescu) The group by and by changed its urinate from the Quarry Men to the notes Beatles, at long last executeing them to their final prognosticate of the Beatles. The Beatles were the most potent band of the 1960s, as they not nevertheless changed the face of endocarp and roll, tho the face of music forever. Ultimately, the Beatles imply George Harrison, bathroom Lennon, Paul McCartney, and Richard Starkey (Ringo Starr). magic Lennon was considered the leader of the band. George Harrison was the lead guitarist. John was a shout writer, superstar of the two lead singers, and speech rhythm guitarist. Paul McCartney was a melodic phrase writer, one of the two lead singers, and a bassist. Ringo Starr vie the drums.
(Lazarescu) The Beatles were a huge success there, compete in clubs and eventually for the queen. after the appearance before the queen, the Beatles came to America. The Beatles came to in the buff York City for the graduation movement time in 1964 and appeared on the Ed Sullivan Show. They performed the song I Want to Hold Your surpass to millions of people anxious to learn their new kind of rock. They were an bit success. A couple of weeks later their New York appearance, the five better(p) selling records were by the Beatles. They became solid state ground famous by the end of 1964.If you want to get a full essay, coiffe it on our website: Orderessay
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Harwin has named Farnell InOne as European Catalogue Distributor of the Year. Harwin's Managing Director, Andrew McQuilken, says: "Farnell InOne produces the most comprehensive and high-quality suite of catalogues in Europe, in both printed and electronic formats. This award recognises the significant impact of the catalogue, and the contribution to our joint marketing efforts. The other key factors around our decision to make this award to Farnell InOne are the substantial year-on-year growth that the company has achieved, and the willingness of the company to devote resources to undergo thorough product training on the Harwin range."
Harriet Green, Premier Farnell CEO, comments: "Harwin's broad range of high-quality connectors are preferred by many European end equipment manufacturers. We are absolutely delighted to receive Harwin's European Catalogue Distributor of the Year Award and look forward to working with them to continue to deliver the best interconnect solutions for our joint customers "
Sam Pease, Supplier Account Manager at Farnell InOne EPAC, adds: "Harwin have shown great willingness and support for new initiatives across Europe, with planned expansion into new territories during 2007. This award is further testament to the strength of the partnership between Premier Farnell and Harwin."

domain: news


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Look Both Ways by Debbie Millman
by First name Last name on 12/22/2009 | 1 Minute Read
Debbie Millman's latest book has recently been published, Look Both Ways: Illustrated Essays on the Intersection of Life and Design.
"It is a book about life, art, love, design, tunes, brands, poetry, shame, and even physics. In many ways, it is the culmination of 26 years of working, and probably took its first shape when I began my radio show on design and culture, Design Matters, nearly five years ago."
The book was designed by Rodrigo Corral, who has an extremely impressive portfolio of book cover designs.
My question to you Dieline readers, do you consider book cover design as "Package Design"? What about CD cover design? Share your thoughts on this question, and on the design of Debbie's new book below!


Israel analysts have spent the day speculating about the consequences of PM Netanyahu's decision to offer the Defense portfolio to Avigdor Lieberman and bring Yisrael Beiteinu into the coalition. The offer, which comes days after talks with Labor party leader Yitzhak Herzog appeared to be going well, is a huge surprise. Assuming Lieberman accepts the position, Israel's domestic policy will likely shift to the right, its foreign policy will exacerbate international tensions, and Netanyahu's position as Prime Minister will be solidified.
But even if the offer were to fall through, it is an example of Prime Minister Netanyahu's strategy of destroying viable centrist alternatives to his leadership. Today's deal kills two birds with one stone. It makes it extremely difficult for Herzog to maintain leadership of the Labor Party, and it potentially pushes center-right Defense Minister Moshe Ya'alon out of the cabinet. It also punishes Ya'alon for urging IDF soldiers to exercise integrity in thought and expression, and sends a message to those who would challenge the Prime Minister.
This is not the first instance in which Netanyahu has undercut centrist politicians to prevent a viable alternative to his leadership.
In 2012, Yair Lapid announced the creation of the centrist party Yesh Atid. Days later Netanyahu formed a national unity government that would have pushed off elections and delayed Yesh Atid's entrance into politics. When elections did occur in January 2013 and Yesh Atid did unexpectedly well, Netanyahu coopted Lapid. He offered Lapid the Finance portfolio in the context of deep discontent over the government's response to the 2011 economic protests. Lapid went from leading the second most popular party in the Knesset in March 2013 to having a 75% disapproval rating in December of that same year.
Tzipi Livni, after forming the HaTnuah party in 2012, was appointed Justice Minister by the Prime Minister. However, after gaining substantial power - and criticizing several government decisions - Netanyahu fired her along with Lapid on December 2, 2014. Livni, however, was not done with politics. HaTnuah formed a joint list with the Labor Party and its new leader Yitzhak Herzog for the 2015 elections. Since the elections, she has laid low, taking on diplomatic pressures against Israel at the UN and issuing few criticisms of Israel's government. In the long term, Livni is a threat to Netanyahu. In the short term, however, she has shown no interest in challenging him.
Moshe Kahlon and the Kulanu party were coopted by Netanyahu and joined the coalition in 2015. To achieve this cooptation, Netanyahu played Kulanu and Yesh Atid off each other. Yesh Atid and Kulanu are centrist pro-reform parties. Yet by design of the Prime Minister, Yesh Atid is in the opposition and Kulanu is in the government.
Over this past weekend, PM Netanyahu had been in talks with Herzog to bring Labor into the coalition under the pretense of a unity government. Such a move would have coopted an already weak labor leadership. However, by bringing in Yisrael Beiteinu instead, Netanyahu keeps Labor weak and in the opposition, while simultaneously dealing a serious blow to Herzog's political career. By offering Defense Minister Ya'alon's position to Lierberman, he denies Ya'alon a platform to build centrist support.
The fracturing of Israel's political center is not entirely Prime Minister Netanyahu's doing. Egos, party politics, and public opinion play an important role as well. However, today's move is consistent with the Prime Minister's strategy for remaining in power. While it is undoubtedly a brilliant political move, it remains to be seen whether it can create meaningful change for Israelis. Economic hardship, war, international pressure, and lack of a future vision are all real problems facing the Israeli public. Ultimately, the Prime Minister should be judged not by how he attains political power, but how he uses it.


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Substrate Dependency on the Effect of Pretreatment by Aqueous Ammonia
Rajesh Gupta and Y. Y. Lee. Chemical Engineering, Auburn University, Auburn, AL 36849
Pretreatment of corn stover by aqueous ammonia through ARP process has shown very promising results in terms of digestibility and overall sugar yield. This process achieves high level of lignin removal as well as high level of carbohydrate retention. However, when this process was applied to a different feedstock, hybrid poplar, the pretreatment results were quite different. The extent of delignifcation was somewhat lower, but the digestibility was far below that of corn stover. Study has also been made with two different batches of hybrid poplar having different sugar and lignin compositions. The effects of pretreatment on the composition of these two batches were similar, yet the digestibilities were significantly different. Lignin content is believed to be one of the major factors affecting the enzymatic digestibility. It appears that not only the gross lignin content but also the properties of lignin and how it is situated in the biomass structure play a role in the enzymatic digestion. To verify this, we have examined corn stover and hybrid poplar feedstocks treated under various ARP conditions by SEM, XRD, and FTIR. The results were organized into physical properties and surface characteristics. Correlations were sought between these factors and the digestibility with emphasis on isolated effect of lignin.


Despite a good effort from local athletes, Cougars Track And Field Club from Trinidad and Tobago still managed to eat up a fair share of wins at the 14th annual Barbados Relay Fair held Saturday at the National Stadium.
In front of a sizable crowd, a total of 28 participating teams that included 13 secondary schools, 11 primary schools and four clubs took part in the relay fair which was a time final event.
Out of the four records set Saturday, local club Elite Distance Programme coached by former national athlete Leo Garnes, and Ramon Armstrong, broke two of them. Last year Elite Distance ran 3:13.14, this year a team comprising Fabian and Kemar Norgrove, Kion Joseph and Anthonio Mascoll ensured the record remained in the club clocking 3:11.59, beating out Elite Distance Programme B team and University of the West Indies Blackbirds who came third.
In the men’s distance medley for clubs and institutions, Elite Distance again delivered another record-breaking performance thanks to a brilliant effort from Joshua Hunte, Anthonio Mascoll, Fabian Norgrove and Darian Alleyne who were all outstanding with a time 6:10.97 to erase their former time of 6:17.00 from last year. The ladies of Elite Distance also did well in the 4x100m running 48.27 when Kierre Beckles, Sade Sealy, Sada Williams and Shondelle Harvey teamed up.
The other two records were broken by Christ Church Foundation Under-20 Girls 1600m sprint medley team made up of CARIFTA athletes Tiana Bowen and Hannah Connell along with Yuriko Harewood and Krista Maloney. Last year Bowen and Maloney were both part of the victorious team that ran 4:10.68 for the record and this year they returned to help the Church Hill ladies clock 4:10.31 for a new record.
Foundation also look the part in the 4x400m as Bowen, Maloney and Harewood with the inclusion of Rosette Hoyte stopped the clock at 3:56.29 to capture first place.
Meanwhile Cougars Under-17 Girls team of Malika Coutain, Melissa Boxhill, Caliyah Wallace and Joanna Rogers managed to sprint 4:17.10 in the 1600m medley, a record held by the Lodge School for 11 years since 2006.
In this 2017 track and field season, many of the local primary and secondary schools are getting an opportunity to gauge their relay teams as the National Primary Schools Athletics Championship and Barbados Secondary Schools Athletics Championship draw near.
Foundation had the strongest 4x400m relay side in the Under-20 Boys Division starring Rivaldo Leacock, Shem Forde, Deshon Trent and Kevin Briggs as they ran 3:20.18. The Lodge School won the Under-20 Boys 4x100m relay, stopping the clock at 42.52 ahead of Foundation and Cougars. The St John based school clinched another win in the Under-17 Boys 4x100m relay in a time of 43.59, beating out the 43.69 ran by St Michael School and the 44.75 ran by Lester Vaughan School.
The boys of St Michael School had a good day, winning three relays and gave a taste of what’s to come at BSSAC by producing the fastest time of 3:30.45 in the Under-17 4x400m, with a team made up of Darian Clarke, Michael Patrick, Kyle Gale and Nicholai Peters. Those four were the perfect combination and gave supporters another reason to celebrate by winning the 1600m sprint medley in 3:46.74. The lads from Martindale’s Road also did well in the Under-15 Boys 4x400m finishing in 3:54.95 to capture the fastest time.
A brilliant run came from Savion Hoyte who showed great determination to come from behind and anchor Rising Stars to victory in the Under-15 Boys 1600m sprint medley ahead of Cougars.
In the Under-11 Boys 4x100m, St Alban’s anchored by Shamari Addison had a comfortable win. Lawrence T Gay Primary won the 4x100m and 1000m sprint medley, ahead of Wesley Hall Juniors and Eden Lodge Primary. Also in the Under-11 age group, Elite Distance won the 4x200m beating Luther Thorne and Wesley Hall.
Cougars ran away with 16 relay races on the day which was similar to their excellent outing last year when they took home the majority of medals up for grabs. They won the Under-20 Boys 1600m sprint medley in 3:38.70, Under-15 male 4x100m in 48.51 and the Under-13 Boys 1000m sprint medley in 2:33.14. The Under-13 Boys also won the 4x200m and 4x100m, the Under-11 Boys 4x100m, 4x200m and 1000m relays.
Meanwhile the girls of Cougars relay team won the Under-16, 1600m sprint medley, the 4x100m and 4x400m in the Under-17. The Under-15 females were also unstoppable pulling away from the field in the 4x100m, 4x400m and 1600m. The Under-13 Girls also had the fastest time, winning the 4x100m, 4x200m and 1000m events.


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This book argues for the importance of connectedness in student-teacher relationships during adolescence and advocates a more holistic and proactive approach to wellbeing in education. Combining education, psychology and health promotion perspectives, the book begins by providing an overview of theoretical frameworks in the study of student-teacher relationships and makes the case that good relationships with teachers are essential to students' well-being in school. The book then goes on to present the concept of connectedness and discusses the main challenges regarding its conceptualisation in school research.
García-Moya draws on qualitative findings from the Teacher Connectedness Project to offer an in-depth examination of the central attributes of student-teacher connectedness, as well as of the links between connectedness and authority from both students' and teachers' perspectives. This innovative project uses a synergistic approach to investigate the role of teachers as potential significant adults in students' lives. The final chapter offers a summary of the key practical implications for teachers and educators and makes recommendations for future research directions in this area.
This book will be a valuable resource for researchers and educators alike, as well as for anyone interested in the ongoing concerns about student wellbeing in schools.
Irene García-Moya is a Ramón y Cajal Senior Research Fellow at the University of Seville, Spain and a Visiting Researcher at the University of Hertfordshire, UK, where she worked as a Marie Curie Fellow and started the Teacher Connectedness Project line of research. She is currently one of the coordinators of the expert group about school in the WHO-collaborative survey Health Behaviour in School-aged Children international network.
Chapter 1. The importance of student-teacher relationships for wellbeing in schools.- Chapter 2. The concept of connectedness and its relevance for the study of student-teacher relationships.- Chapter 3. The central attributes of connectedness with teachers from the students' perspectives.- Chapter 4. Barriers and facilitators for the development of student-teacher relationships that foster connectedness.- Chapter 5. Where do we go from here? An analysis of practical implications and future research directions.


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Everything you need to know about the TikTokers starring in Netflix's 'Hype House' reality show about behind-the-scenes influencer life
Netflix released its "Hype House" reality show this weekend, featuring some of the most popular (and controversial) TikTok creators.
A TikTok star is being accused of copying one of the biggest personalities on YouTube, but he says the internet has it all wrong
Alex Warren shot to viral popularity as part of the TikTok Hype House collective, but his haters accuse him of copying everything David Dobrik does.
'I'll wake up to people filming TikToks on my balcony': Hype House stars describe what it's like to live in a creator home
The "Today" show got a rare look inside the Hype House, where TikTok's freshest faces create content around the clock for a massive audience.

domain: entertainment


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At Kali-O’s every juice and smoothie is made to order, maximizing freshness and nutrition in every sip. Our menu includes only whole food and fresh ingredients, ensuring delicious and healthy snack or meal options bursting with vibrant flavors. Never any added sugars, hidden ingredients or watered down juices.
Kali-O’s healthy juices and whole fruit smoothies are a fresh and fast way to invigorate your mind, revitalize your body and restore your energy.
Hours of Operation: See website for current hours.

domain: food


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To setup your iOS Tubi app with Chromecast, please follow the steps below: Make sure your Chromecast is connected to the TV and that On your phone, download the Chromecast app. Open the Chromecast app and tap on Devices. Download either Allcast or Localcast from the Open the app and Download Movie/TV Show that you 10 Nov 2018 Streaming content from iOS or Android to Chromecast is not difficult, and our the Internet to bring you the best Black Friday TV deals of the season. but just in case it's not, download it from the Play Store or the App Store. Use this article to learn about Netflix features on your Chromecast, and how to set up the steps in the Set Up Netflix section to attempt to locate the Netflix app.
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It’s hard to talk about cannabinoids – CBD, CBC, CBG, CBN, or many others – without talking about terpenes. Terpenes are the aromatic chemicals produced that give flowers and plants their unique aroma.
It’s hard to talk about cannabinoids – CBD, CBC, CBG, CBN, or many others – without talking about terpenes. Terpenes are the aromatic chemicals produced that give flowers and plants their unique aroma. Think about the sweet, floral scent of lavender. Or the dark, bitter almost-smoky fragrance of pine. Each plant has a set of unique compounds emitted that produce those scents. The hemp plant alone contains hundreds of different terpenes and in various quantities! In nature, terpenes play a vital role in plants’ survival. They can lure pollinators and repel dangerous predators. These fragrant compounds also work in conjunction with a plant’s immune system to help them recover from damage or to fight away infectious germs. (Medical News Today).
Great for plants, but what about people?
Oranges, peppers, bay leaves, lavender, chamomile, and basil – these are some of the most well-known terpenes found in fruits, vegetables, and spices. Ancient cultures used terpenes by infusing aromatic oils, creating creams, and other therapies to promote health and wellness. Today, it is also common to isolate natural terpenes to produce essential oils and create pleasant flavors and scents for products we use every day, from perfumes and body products to cleaners, and other therapy products.
How do terpenes interact with the body?
Besides producing vibrant smells, how do our bodies interact with terpenes? Although research is ongoing, many scientists believe that terpenes and flavonoids may be beneficial to body and brain health. One reason is that these natural compounds have the same ability as cannabinoids to bind to receptors and influence neurotransmitters in the brain. Many believe that by inhaling or ingesting various concentrations of terpenes, we can activate certain receptors for specific effects (Healthline).
Putting it all together – What is full-spectrum CBD?
So, you may be wondering – can cannabinoids and terpenes work together? The answer is a resounding, yes! Research is showing that certain flavonoids and terpenes may provide neuroprotective and calmative effects and that these compounds can even improve CBD’s potential to maintain optimal health (Healthline).
Understanding the connection between terpenes and CBD is essential. For starters, it helps to explore what happens to cannabinoids through the process of extraction – turning the whole hemp plant into the actual CBD product. It’s produced in the form of CBD oil, topicals, tinctures, sprays, or more, and it falls in three primary categories.
- Full-spectrum CBD means that during processing most of the terpenes and cannabinoids available in the plant stay intact
- Isolate CBD is just what it sounds like! CBD is isolated from the rest of the compounds in the cannabis plant
- Broad-spectrum CBD refers to the middle ground option, where CBD starts as a full-spectrum, and it’s refined further to remove all THC compounds
What is the entourage effect?
In a nutshell, researchers have found that the therapeutic effects of hemp plants are most potent when using the whole plant. That’s because the beneficial compounds can work together synergistically! And, because full-spectrum CBD products contain the full profile of active compounds, the benefits multiply even further. Scientists call this the ‘entourage effect’ and theorize that cannabinoids and terpenes work together to produce the best possible effects for the body.
This unique connection between terpenes and CBD is good news for people that are turning to natural products to regulate and maintain total health. Many scientists and individuals report using the right blends of CBD and terpenes can have tremendous benefits, including:
- Relieving occasional pains and aches
- Lowering anxiety and stress
- Promoting relaxation
- Regulating healthy inflammatory levels
- Increasing energy
- Promoting sleep
What terpenes do the most good?
Scientists continue to discover how various concentrations of terpenes interact with the body and influence cannabinoid functions. Let’s take a look at some of the most studied terpenes to investigate their aromas and understand how they can help our bodies be at their best.
|Beta-caryophyllene||Peppery, ‘woodsy’ with spicy undertones||Clove oil, basil, hops, cinnamon, oregano, and rosemary||Calmative, relaxing, helps to maintain healthy inflammatory levels|
|Humulene||Hoppy or earthy aroma||Hops, coriander, cloves, and basil||Helps to maintain healthy inflammatory levels|
|Linalool||Floral and spicy||Lavender, coriander, laurel, mint, birch trees, and rosewood||Calming effects – stress relieving|
|Limonene||Lemons, citrusy||Oranges, limes lemons, juniper, rosemary, peppermint, pine||Skin health and internal membrane integrity|
|Myrcene||Earthy, herbal, or musky||Mangos, hops, thyme, bay leaves, citrus fruits||Mellowing terpene, may improve sleep|
|Phellandrene||Pepperminty, woody, mild citrus||Eucalyptus||Skin health integrity|
|Pinene||Fresh scent, pine, wood||Parsley, sage, dill, basis, rosemary, some citrus fruits||Calmative, relaxing, helps to maintain healthy inflammatory levels|
The bottom line – What’s better, terpenes or CBD?
Today we understand that terpenes and cannabinoids are separate parts of the same hemp plant, but they work within the body in unique ways! It’s a fascinating discovery that using terpenes and cannabinoids together – in the right concentrations – can dramatically multiply the potential health benefits! Whether you need to relieve occasional pains and aches, maintain health inflammatory levels, improve your mood, increase a daily state of calm, or you’d simply like to explore other super-charged effects, don’t overlook the synergistic power of CBD and terpenes.
At CBD Health Collection, we genuinely believe that terpenes are a vital part of the success of CBD. That’s why we include custom terpene blends to our CBD products, depending on the intended use. Learn more here.

domain: chemistry


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Patients with autoimmune or inflammatory rheumatic diseases (AIRDs) may be at increased risk for breakthrough SARS-CoV-2 infection following vaccination, suggests research from two separate cohorts.
The first, presented as a late-breaking abstract at the ACR Convergence 2021 virtual meeting by Jasvinder Singh (the University of Alabama at Birmingham, USA), is based on data for 577,335 individuals from The National COVID Cohort Collaborative who had received at least one dose of vaccine against COVID-19 between December 2020 and September 2021.
The majority of patients were fully vaccinated (91%) and most received the Pfizer–BioNTech (BNT162b2) or Moderna (mRNA-1273) vaccines, at rates of 71% and 24%, respectively.
The crude prevalence of breakthrough infections occurring 14 days or more after receipt of these vaccines ranged from 35.65 to 41.46 per 1000 people among the 59,652 individuals with AIRD conditions, compared with a corresponding prevalence of 26.52 to 31.16 per 1000 people for the 490,035 individuals without rheumatic conditions.
Singh reported that the odds of breakthrough infection in the 524,624 fully vaccinated individuals were significantly increased for those with polymyositis/dermatomyositis rheumatoid arthritis (RA), vasculitis, multiple rheumatic diseases, or gout compared with non-immunosuppressed or compromised individuals, at respective odds ratios of 1.97, 1.33, 1.19, 1.17, and 1.14. This was after taking into account age, sex, race/ethnicity, study sites, number of non-rheumatic comorbid conditions, and census region.
The odds of breakthrough infection were also significantly increased by 61% with biologics and 38% with multiple AIRD medications, relative to no immunosuppressant medications, “but not for all common medications used for the treatment of AIRDs,” said Singh. He also noted that breakthrough infection risk was greater if AIRD medication exposure was within 30 days versus more than 30 days.
Singh concluded that the findings “support the use of at least a third dose of COVID-19 vaccine for immunosuppressed patients […] and continued use of other precautions.”
In a second cohort, the characteristics of 197 patients with rheumatic diseases from the COVID-19 Global Rheumatology Alliance registry who had SARS-CoV2 infection between January and September 2021 despite being partially (n=110) or fully (n=87) vaccinated were analyzed by Jean Liew (Boston University School of Medicine, Massachusetts, USA) and colleagues.
The patients had received the first or second dose of a two-dose vaccine series at least 14 days prior or at least 13 days if they had received a single-dose vaccine. The Pfizer–BioNTech and Moderna vaccines were the two most frequently received.
The mean age of the participants was 53 years and the majority of patients were women (73%), White (55%), and from North America (58%). The most common rheumatic diseases were RA (43.2%), systemic lupus erythematosus (15.4%), and psoriatic arthritis (9.6%).
In all, 51 (26.3%) of the patients were hospitalized and this included 22 (25.3%) of the fully vaccinated individuals.
Presenting the findings in a late-breaking poster session at the conference, Liew noted that “the majority of fully vaccinated individuals with breakthrough infections were on anti-metabolites or B-cell depleting therapies,” with 18% taking CD20 inhibitors and 28% glucocorticoids. And among those who were subsequently hospitalized, 10 (46%) were taking CD20 inhibitors and seven (32%) were on anti-metabolites, specifically mycophenolate.
Half of the hospitalized fully vaccinated patients needed supplemental oxygen and 18% needed invasive mechanical ventilation. Five of these patients died, out of a total of nine deaths overall.
Liew recommended that “additional risk mitigation strategies, including additional vaccine doses, monoclonal antibody treatment and possibly oral antivirals may be needed to protect this high-risk population.”

domain: literature


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Open for dinner Wednesday – Saturday from 5:00pm.
(Please note, we will be pausing operations from 30 May until 31 October 2023)
With sweeping views of the World Heritage Site, 1830 Restaurant & Bar is the perfect place to enjoy a relaxed meal with friends. Our menu uses fresh seasonal produce sourced from local growers and producers and you can choose your favourite refreshment from our range of fine Tasmanian wines, craft beers and spirits. Gluten-free, vegetarian, vegan, halal and other dietary options are available upon request.


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Fall 2022 Supervisory Highlights: Part II - Deposits, Mortgages, and Payday Lending
Happy December, compliance companions! This year seems to have flown by in warp speed, and so much has happened, both personally and professionally – we moved into our new house, had to replace the furnace a month later (in the middle of a chilly Midwest winter), I continued working on an ABA Business Law subcommittee and the State Bar of Michigan’s Professional Ethics Committee, I joined the board of the Women’s Bar Association of Oakland County, I was promoted to senior regulatory compliance counsel, my husband and I (finally) celebrated our marriage with a backyard reception, I travelled to the DC area a few times and Louisville for work events, and we decorated our house for our first holiday season! Here’s a little peek at my favorite room all decked out:
On top of all that, we were all kept on our toes by the regulators, but especially the Consumer Financial Protection Bureau (CFPB). Justin blogged about the first half of the CFPB’s most recent Supervisory Highlights last week, so I’m here to wrap it up with a summary of the remaining topics covered: deposits, mortgage origination, mortgage servicing, and payday lending. Let’s dig in.
The CFPB focused on assessing how financial institutions “handled pandemic relief benefits deposited into consumer accounts.” The bureau found instances of “unfairness risks” where some financial institutions’ policies and procedures could have resulted in one or more unfair practices, including:
- Using protected unemployment insurance or economic impact payments funds to set off a negative balance in the account into which the benefits were deposited or to set off a balance owed to the financial institution on a separate account, when such practices were prohibited by applicable state or territorial protections;
- Garnishing protected economic impact payments funds in violation of the Consolidated Appropriations Act of 2021;
- Garnishing protected unemployment insurance or economic impact payments funds in violation of applicable state or territorial protections.
The CFPB noted that “the failure to comply with applicable state and territorial protections may, under certain circumstances, give rise to unfair acts or practices in violation of the CFPA." In response to the cited issues, the bureau directed the financial institutions to remediate the issues, including by refunding protected funds to customers; refunding garnishment-related fees assessed; reviewing, updating, and implementing policies and procedures to ensure compliance with all applicable state and territorial rules and regulations on garnishment practices; and reviewing, updating, and implementing policies and procedures to ensure compliance with all applicable state and territorial rules and regulations on setoff practices, “including in connection with the setoff of unemployment insurance funds and federal benefits.”
The CFPB cited violations of Regulation Z, when it was identified that some mortgage loan originators (MLOs) compensation was decreased for foreseeable increases in settlement costs. However, the bureau notes that “the rule… permits decreasing a loan originator’s compensation due to unforeseen increases in settlement costs. An increase is unforeseen if it occurs even though the estimate provided to the consumer is consistent with the best information reasonably available to the disclosing person at the time of the estimate.” The bureau determined that the loan originators knew the correct fee amounts at the time of the initial disclosures, and that the incorrect fee information was entered into the disclosures due to a clerical error. Thus, the information entered was not “consistent with the best information reasonably available,” and the unforeseen increase exception would not apply. The CFPB cited this issue as a violation of Regulation Z’s prohibition against basing MLO compensation on a term (or terms) of a transaction.
The CFPB also found an instance of a deceptive waiver of borrowers’ rights in loan security agreements. The bureau found a signed loan security agreement that included misleading language that purported to waive the consumer’s right to initiate or participate in a class action. The language did not specify whether the waiver applied to only state law or federal law, and thus could be construed to mean that the waiver applied to the right to bring a class action on any claim, including federal claims in federal court. However, Regulation Z prohibits a “contract or other agreement relating to a consumer credit transaction secured by a dwelling . . [that may be] applied or interpreted to bar a consumer from bringing a claim in court pursuant to any provision of law for damages or other relief in connection the any alleged violation of Federal law.”
The bureau cited several mortgage servicing issues, including charging “sizable” phone payment fees without disclosing them, charging illegal fees during Coronavirus Aid, Relief, and Economic Security Act (CARES) Act forbearances, failing to process CARES Act forbearance requests, misrepresenting sufficient payment amounts for accepting deferrals, and failing to evaluate consumers for all loss mitigation options and to provide accurate information.
Examiners cited the abusive act of charging consumers $15 for making phone payments, where the existence or cost of the phone payment fee was not disclosed to the consumer but was nonetheless charged. The bureau explains that “an act or practice is abusive if it ‘takes unreasonable advantage of. . . a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service.’ Consumer lacked understanding of the material costs of the phone pay fee because servicer representatives failed to inform consumers of the fees during the phone call.” As a result of the findings, reimbursements to consumers who paid the undisclosed phone pay fees have been made.
The bureau found that some services violated Section 4022 of the CARES Act by charging consumers fees during CARES Act forbearance plans, as well as by failing to process CARES Act forbearance requests. As a result of these findings, the servicer(s) have developed remediation plans “to compensate injured consumers.”
In keeping with the bureau’s focus on “repeat offenders,” the CFPB cited payday lenders for failing to “maintain records of call recordings necessary to demonstrate full compliance with conduct provisions in consent orders generally prohibiting certain misrepresentations.” In response to the findings, the payday lenders have been directed to implement policies and procedures that ensure that “records sufficient to capture relevant telephonic communications” are created and maintained, pursuant to the terms of the consent order provisions.
For more information on these findings and other developments, you can find Issue 28 of the CFPB’s Supervisory Highlights here.
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