text:
It is not clear whether the severity of depressive episodes changes during the course of depressive disorder.
To investigate whether the severity of depressive episodes increases during the course of illness.
Using a Danish nationwide case register, all psychiatric in-patients and out-patients with a main ICD–10 diagnosis of a single mild, moderate or severe depressive episode at the end of first contact were identified. Patients included in the study were from the period 1994–2003.
A total of 19 392 patients received a diagnosis of a single depressive episode at first contact. The prevalence of severe depressive episodes increased from 25.5% at the first episode to 50.0% at the 15th episode and the prevalence of psychotic episodes increased from 8.7% at the first episode to 25.0% at the 15th episode. The same pattern was found regardless of gender, age at first contact and calendar year.
The increasing severity of depressive episodes emphasises the importance of early and sustained prophylactic treatment.
In depressive disorder, on average, the risk of recurrence increases with every new episode1–7 and without active treatment the duration of successive episodes seems to increase,8–10 whereas with treatment the lengths of episodes seems constant or to decrease.11–14 Further, it is a widely held clinical belief that the severity of depressive episodes also increases during the course of illness. However, few studies have investigated the severity of successive episodes during the course of illness.15,16 Lewinsohn et al found a tendency of increasing severity from the first to the third depressive episode,15 and Maj et al found a significant increase in severity from first to third episode.16
It was the aim of the present study to investigate whether the severity of depressive episodes increases during the course of illness in depressive (unipolar) disorder and to investigate the relationship with age and gender. Severity of the depressive episodes was defined in accordance with the ICD–10 diagnostic system and the study included a nationwide register-based sample of patients who had had first contact with psychiatric in- or out-patient hospital settings.
From 1 January 1995, the national Danish Psychiatric Central Research Register (DPCRR) started to include information on all patients who have had contact with the psychiatric hospital system in Denmark (i.e. in-patients, out-patients in clinic- or community-based psychiatric care).17 No private psychiatric in-patient hospitals or departments exist in Denmark; all are organised within public services and report to the DPCRR. However, privately practising psychiatrists treat about 15 000 patients a year and do not report to the DPCRR.
All 5.3 million inhabitants in Denmark have a unique identification number (Civil Person Registration (CPR) number) that can be logically checked for errors, so it can be established with great certainty if a person has previously had contact with psychiatric services, irrespective of changes in name, etc.
The ICD–1018 has been used in Denmark since 1 January 1994. Information on treatment intervention is not available.
The study sample was defined as all in-patients and out-patients (patients in clinic- or community-based psychiatric care) with a main diagnosis of affective disorder (ICD–10, code DF30–39). The period in which patients were included was from 1 January 1995 to 31 December 2003.
The prevalence of a single mild depressive episode (ICD–10, code DF320, 3200, 3201), a single moderate depressive episode (ICD–10, code DF321, 3210, 3211) and a single severe depressive episode (ICD–10, code DF322, 323, 3230, 3231) at the end of first contact was calculated. Similarly, at the second and subsequent contacts, the prevalence of recurrent depressive disorder, current episode mild (ICD–10, code DF330, 3300, 3301), current episode moderate (ICD–10, code DF331, 3310, 3311), current episode severe (ICD–10, code DF332, 333, 3330, 3331) was calculated. Some patients received a diagnosis of a single depressive episode even though at a prior contact they had a diagnosis of a depressive episode. Such diagnoses were reclassified as recurrent depression. In this way, the prevalence of mild, moderate and severe depression was calculated at each new treatment contact – as a total and by gender.
Additionally, the prevalence of depressive episodes with psychotic symptoms (ICD–10, code DF323, 3230, 3231, 333, 3330, 3331) and the prevalence of an auxiliary diagnosis were calculated at each contact. Categorical data were analysed with a chi-squared test (two-sided). In additional analyses mild, moderate and severe episodes were scored at 0, 1 and 2 respectively, and the average value was calculated at each episode for groups of patients according to gender, age at first contact (⩽40 years; 41–60 years; ⩾61 years) and period of first contact (1994–1996; 1997–1999; 2000–2003). The effects of gender and current age were estimated in logistic regression models with severe depressive episodes v. other episodes and psychotic episodes v. other episodes respectively, as outcomes. The SPSS software package for Windows, version 11.0, was used; P<0.05 was used to indicate statistical significance.
From 1995 to 2003, a total of 19 392 patients with a diagnosis of a single mild, moderate or severe type of depressive episode were identified; 64.1% of the patients were female and the median age was 50.8 years with a wide range – a quarter of the sample was younger than 33.7 years and a quarter was older than 72.8 years. A total of 24.0% of the sample had a mild depressive episode, 50.5% had a moderate depressive episode and 25.5% had a severe depressive episode. Furthermore, 8.7% had a severe depressive episode with psychotic symptoms (see online Table DS1). Among patients with a diagnosis of single depressive episode at first contact, 36.8% did not have a second psychiatric treatment contact within the hospital care setting, 45.2% (n=8767) received a diagnosis of recurrent depressive disorder, current episode mild, moderate or severe type at their second psychiatric treatment contact, 3.1% a diagnosis of persistent mood disorders or recurrent depression, currently in remission, 0.7% a diagnosis of bipolar disorder, and 17.2% had a non-affective diagnosis at their second psychiatric contact. The 8767 patients with a diagnosis of recurrent depressive disorder, current episode mild, moderate or severe type, were selected for further analyses. The same procedure was undertaken at subsequent episode contacts (3–15) (i.e. at every contact selecting only patients with recurrent depressive disorder for further analyses). Table DS1 presents the prevalence of mild, moderate and severe depressive episodes as well as the prevalence of severe depressive episodes with psychotic symptoms at hospital contact (from 1 to 15) – as a total and according to gender. The prevalence of severe depressive episodes increased from 25.5% at the first contact to 50.0% at the 15th. Similarly, the prevalence of severe depressive episodes with psychotic symptoms increased from 8.7% at the first hospital contact to 25.1% at the 15th (Table DS1 and Fig. 1). In contrast, the prevalence of mild and moderate depressive episodes decreased during the course of the illness. The association between the episode number and the prevalence of severe depressive episodes could be a result of a selection bias, as patients with many episodes may have an increased prevalence of severe episodes from the beginning of their illness which could further dominate the analyses with regard to the number of episodes. Thus, in additional analyses, the association between the number of episodes and the prevalence of severe depressive episodes was stratified according to the total number of episodes during the study period. Also in these secondary analyses, the prevalence of severe depressive episodes increased with the number of episodes (results not presented).
The prevalence of auxiliary diagnoses increased from 17.2% at the first episode to 21.2% at the tenth episode but the prevalence of auxiliary diagnoses was inversely associated with the severity of the depressive episodes at all contacts (prevalence of auxiliary diagnoses in relation to mild/moderate/severe depressive episode: first contact 18.5%/17.8%/15.1%; tenth contact 61.5%/11.4%/16.2%; data not presented for other contacts).
In Table DS1, mild, moderate and severe episodes were scored at 0, 1 and 2 respectively, and the average value was calculated at each episode. As can be seen, the average increased from 1.02 (s.d.=0.70) at the first treatment contact to 1.35 (s.d.=0.74) at the 15th. This pattern was found for all groups of patients regardless of age at first contact (⩽40 years; 41–60 years; ⩾61 years), gender and period (1994–1996; 1997–1999; 2000–2003) as illustrated by online Fig. DS1.
More specifically, the pattern with an increasing prevalence of severe episodes and a decreasing prevalence of mild and moderate episodes with the number of hospital contacts was the same for males and females (Table DS1). However, males had a significantly higher prevalence of severe depressive episodes and psychotic episodes compared with females at the first two contacts. Borderline significant minor differences were found at a few subsequent contacts.
Table 1 shows the effect of gender (male v. female) and current age in logistic regression models with subtype of episode as outcome (severe episodes v. other episodes and psychotic episodes v. other episodes). As can be seen, it was confirmed that males had a higher prevalence of severe depressive episodes and psychotic episodes at the first two contacts, as well as when adjusted for the effect of current age. The prevalence of severe episodes increased significantly with age over the first five contacts but not at later contacts, when adjusted for the effect of gender. The prevalence of psychotic episodes continued to increase significantly with age for the first eight contacts, when adjusted for the effect of gender.
This is the first study that systematically tested whether the severity of depressive episodes increases during the course of illness in depressive (unipolar) disorder. The study was a longitudinal investigation of a nationwide sample of all patients (in- or out-patients) treated for depressive disorder at first contact in psychiatric hospital settings. Data were collected as part of the daily routine and independent of research activities. The prevalence of severe depressive episodes increased substantially with the number of hospital contacts regardless of gender, age at first contact and period of first contact. These findings are in accordance with the findings in two other studies of an increasing severity from the first to the third depressive episode; unfortunately, they do not present data or more detailed results of the analyses as focus for these studies was relapse and recurrence and not severity of episodes.15,16 The results of the present study reveal that the severity of depressive episodes continues to increase throughout the illness after the third episode, with the same pattern for males and females, and regardless of age. In addition, the prevalence of depression with psychotic features increased with the number of contacts.
Females constituted 64.1% of the sample at the first episode contact and around 70% at subsequent contacts, in accordance with the finding that females have a higher risk of recurrence following initial episodes but not following later episodes.2,19 Males experienced more often severe depressive episodes at the first and second contacts but at subsequent contacts no differences were found between genders. Similarly, the prevalence of severe episodes increased with age at the first five contacts, whereas no effects of age were found at subsequent contacts. We have previously in another register-based sample using ICD–8 diagnosis of depressive disorder found the same pattern in relation to recurrence: the rate of recurrence was higher for females following the first three depressive episodes, and increased with age at the first episode but not at later episodes.20
Can the association between the increasing prevalence of severe depressive episodes and the number of episodes be explained by methodological considerations?
First, could poor diagnostic validity of the diagnosis of mild, moderate and severe depression play a role? In fact, a recent study of the Danish register data revealed that the categorisation in the ICD–10 of depression into mild, moderate and severe depression predicted long-term course and outcome (the risk of relapse leading to psychiatric hospitalisation and the risk of completed suicide) and thus seemed clinically useful.20 Additionally, diagnostic misclassification will tend to dilute true differences and would not result in a systematic increase in severity across depressive episodes.
Second, could decreased treatment capacity with period of first contact explain the results? This did not seem to be the case as an increasing severity of episodes was found in three different periods although the severity of depressive episodes seven to ten had slightly increased in recent years (2000–2003) compared with previous years (1994–1996 and 1997–1999; Fig. DS1).
Third, could bias towards patients with a more severe course of illness explain the findings? Patients treated in psychiatric hospital settings for depression as in- or out-patients suffer from more severe depressive disorders or episodes. Bias may occur if the threshold for being treated in hospital settings for depression (as in- or out-patients) changes with the number of contacts with the healthcare system. On the one hand, it is possible that patients may not have attended secondary psychiatric care for a second or subsequent episode, particularly if this episode was mild or moderate. For example, among the sample of 19 392 patients with a diagnosis of a single depressive episode at first contact, 36.8% did not have a second psychiatric treatment contact within the hospital care setting either because they did not experience relapse/recurrence or because they were treated in a primary care setting (general practitioners or private specialists in psychiatry). On the other hand, as the number of depressive episodes increases for a given patient, it is becoming increasingly clear for the clinician, patient and relatives that the patient has a depressive disorder with a high recurrence of episodes. One may presume that the likelihood that such a patient will continue into the secondary psychiatric setting increases with the number of depressive episodes, thus resulting in an increase in the proportion of milder depressive episodes with the number of treatment contacts in the present study sample. I am unable to investigate the direction of such a possible bias, as I have no data on patients treated for depressive episodes in primary care. In summary, bias cannot be excluded as a possible explanation of the present findings.
Fourth, although the prevalence of auxiliary diagnoses increased from 17.2% at the first contact to 21.2% at the tenth, comorbidity did not explain the results, as the prevalence of an auxiliary diagnosis was inversely associated with the severity of the depressive episodes (see Results).
Finally, even though a patient should have the diagnosis of a single depressive episode according to ICD–10 only when no prior depressive episodes have occurred, it is possible that patients may have been seen in the primary healthcare setting for depression before their first contact, with psychiatric secondary care without this being made clear to the psychiatric clinician. Similarly, it cannot be excluded that some out-patients may have been seen in secondary psychiatric care before out-patients were included in the DPCRR in 1995. Although there was a wide range of age at first contact, with a quarter of the sample being younger than 33.7 years, the median of 50.8 years may suggest that some patients may have presented with depression before inclusion in the study. It is not possible to estimate how this may have affected our findings.
In conclusion, although it cannot be excluded that bias may explain part of my results, I find it hard to explain all my findings by methodological drawbacks as it was consistently found that the severity of depressive episodes increased with the number of contacts regardless of which sample was included in the analyses and the type of analyses. Besides, bias cannot be excluded in any longitudinal study investigating the association between severity of episodes and the number of episodes, as non-participation and withdrawal of patients in the long run will always occur. On the other hand, the present study has some advantages.
Advantages of the study
The study comprises an observation period of 10 years of the entire Danish population (5.3 million inhabitants), which is ethnically and socially homogeneous with a very low migration rate. All patients treated in the psychiatric hospital system in Denmark in in-patient or out-patient settings were included. Psychiatric care is well-developed in Denmark so individuals with affective disorders can easily come in contact with psychiatric community centres or hospitals. Also, as psychiatric treatment in Denmark is free of charge, the study is not biased by socio-economic differences. Together, these factors add to improve the generalisability of my findings for patients treated in hospital in- or out-patient settings in general. It should, however, be emphasised that it is possible that the findings cannot be generalised to milder forms of depressive disorders that may be treated by primary care doctors.
Interpretation of the results
The study does not include data on treatment so we cannot tell the effect of drug treatment on severity during the course of illness. In the study by Maj et al, severity was found to increase from the first to the third depressive episode among patients who received prophylactic drug treatment and among patients who did not.16
The course of depressive disorder is progressive, with increasing risk of recurrence with the number of episodes,3,4 suggesting that biochemical and anatomical substrates underlying affective disorders evolve over time as a function of prior episodes,21 leading to changes in gene expression, neuropeptides and transmitters in the hippocampus (and elsewhere) in the limbic system.21,22 It is possible that episodes per se may change future psychopathology (sensitisation), leading to an increased severity of depressive episodes during the course of depressive illness.
- Received April 10, 2007.
- Revision received November 14, 2007.
- Accepted January 11, 2008.
- © 2008 Royal College of Psychiatrists

domain: literature


text:
"Eternal Flame" Historical Center Tip by el_ruso
Historical Center, Luxembourg: 37 reviews and 63 photos
This solemn monument is to honor all the citizens of Luxembourg who have fallen to foreign invaders.
Directions: city center
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domain: geography


text:
Tirol's Top Family-Friendly Ski Schools
Serfaus Ski School
In the family-friendly region of Serfaus-Fiss-Ladis, the local ski school's friendly and experienced instructors teach children aged from 2 to 17 everything from the basics of starting, stopping and standing through to race technique and freestyle tricks. Murmli, the resort's cuddly marmot mascot, is also on hand to ensure a fun day for youngsters. The Kinderschneealm beginners' area next to the mid-way station of the Komperdellbahn cable car covers 45,000 square metres, while the Murmlipark in the village of Serfaus also provides a safe setting for little ones to take their first turns on snow. Child-friendly facilities at the Kinderschneealm include an obstacle course, ski carousels and two kids' restaurants. Activities in the resort include regular ski races, a biathlon laser course (for children aged six years and older) and entertainment with music. Find out more about the Serfaus Ski School.
Fiss-Ladis Ski School
The resorts of Fiss and Ladis in the family-friendly region of Serfaus-Fiss-Ladis offer group ski lessons for youngsters of all ages and abilities, including not only fun on the slopes but plenty of action and entertainment away from the pistes. The children's area covers around 80,000 square metres and is located at the mid-way station of the Sonnenbahn cable car. As well as a restaurant and an indoor childcare area there are adventure zones called the Red Indian Land, Fairytale Village, Forest of Sounds and Cave World. Within the Kids' Funpark there is a race course. Babies as young as three months are welcome in Berta's Kindergarten, named after the resort's friendly mascot Berta the Cow. Find out more about the Fiss-Ladis Ski School.
Nauders Interski Ski School
The Nauderix-Kinderland in the resort of Nauders in the family-friendly region of Nauders in the Tirolean Oberland offers 6,500 square metres of fun, action and adventure. Huge fairytale characters, pistes with bumpy rollers, snow tunnels, a Red Indian Trail and a show stage ensure a fun and safe time as kids take their first tentative turns on snow under the guidance of experienced and friendly ski instructors. These instructors are also on hand to look after children during the lunch break in the nearby child-friendly restaurant. The resort even has heated sleeping cabins where youngsters tired from all that activity can lie down for a rest. The toilets have also been designed with children in mind. Kids aged two years and older are welcome at the ski kindergarten at the top of the Bergkastel lift. Find out more about the Nauders Ski School.
Neustift Ski School
The BIG Family Ski Camp on the Stubai Glacier with its child-friendly restaurant and kindergarten is located in the family-friendly Stubai Valley and provides kids of all ages with a fun introduction to the world of skiing. Mascots Mini B and B Big are on hand to show children aged four and above around the Miniland and, for those who already have experience of skiing, the Kinderland. Teenagers and advanced younger skiers will enjoy the funpark with its snow castle, rollers and slalom course. Visitors to the resort even have the chance to take a ride in a real piste-grooming machine. Find out more about the Neustift Ski School.
Söll-Hochsöll Ski School
Hochsöll is a ski resort within the family-friendly region of Wilder Kaiser where children aged four years and older can learn the basics of skiing in the Hexen-Kinderland at the mid-way station in the Hochsöll. Regular highlights include treasure hunts, fun & games in the snow and ski safaris. The beginners' area has an easy-to-use conveyer belt lift and a ski carousel. It can be reached quickly and easily from the rest of the resort. The nearby Alpengasthof Hochsöll offers lunch with childcare. Children as young as one year can be left in the very capable hands of the childcare experts at the Kinder-Korn-Kammer (KiKo Söll), located next to the bottom of the cable car. The KiKo Söll has a series of rooms decorated according to different themes: a Crawl Room, an Action Room and a cosy Sleeping Room. Find out more about the Söll-Hochsöll Ski School.

domain: travel


text:
Shares of Saga PLC (LON:SAGA) hit a new 52-week low during trading on Thursday . The company traded as low as GBX 52.90 ($0.69) and last traded at GBX 53.60 ($0.70), with a volume of 2783339 shares. The stock had previously closed at GBX 54.80 ($0.72).
SAGA has been the subject of a number of research reports. Peel Hunt decreased their price objective on Saga from GBX 180 ($2.35) to GBX 110 ($1.44) and set a “buy” rating for the company in a report on Thursday, April 25th. UBS Group downgraded Saga to a “neutral” rating and decreased their price objective for the stock from GBX 150 ($1.96) to GBX 65 ($0.85) in a report on Monday, April 8th. JPMorgan Chase & Co. reiterated an “underweight” rating and issued a GBX 120 ($1.57) price objective on shares of Saga in a report on Thursday, April 4th. Shore Capital reiterated a “not rated” rating on shares of Saga in a report on Thursday, April 4th. Finally, Investec reiterated a “hold” rating and issued a GBX 107 ($1.40) price objective on shares of Saga in a report on Thursday, April 4th. Three research analysts have rated the stock with a hold rating and two have given a buy rating to the company’s stock. Saga has an average rating of “Hold” and a consensus target price of GBX 116.40 ($1.52).
The company has a quick ratio of 0.25, a current ratio of 0.91 and a debt-to-equity ratio of 46.14. The firm has a market capitalization of $579.89 million and a PE ratio of -3.57.
In related news, insider Gareth J. Hoskin purchased 66,907 shares of Saga stock in a transaction dated Thursday, May 2nd. The stock was purchased at an average cost of GBX 60 ($0.78) per share, for a total transaction of £40,144.20 ($52,455.51). Also, insider Gareth Williams purchased 11,384 shares of Saga stock in a transaction dated Friday, April 12th. The shares were bought at an average price of GBX 57 ($0.74) per share, with a total value of £6,488.88 ($8,478.87). In the last quarter, insiders acquired 160,684 shares of company stock valued at $9,459,063.
TRADEMARK VIOLATION NOTICE: “Saga (SAGA) Reaches New 52-Week Low at $52.90” was first reported by Baseball Daily News and is the sole property of of Baseball Daily News. If you are reading this report on another website, it was copied illegally and reposted in violation of US & international trademark & copyright laws. The correct version of this report can be read at https://www.baseballdailydigest.com/news/2019/05/18/saga-saga-reaches-new-52-week-low-at-52-90.html.
Saga Company Profile (LON:SAGA)
Saga plc engages in insurance, travel, personal finance, healthcare, retirement villages, and media businesses in the United Kingdom. The company operates in three segments: Insurance, Travel, and Emerging Businesses and Central Costs. It offers car, caravan, motorhome, breakdown cover, home, landlord, holiday home, home emergency, pet, travel, boat, health, personal accident, and life insurance, as well as accidental death benefit products.
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domain: news


text:
This weekend the Central Florida Concert Choir, a marriage of more than 150 singers and musicians from dozens of denominations and congregations, will be performing in its unusual twice-a-year musical extravaganza.
A spinoff of the nationally known Festival of Praise singers, the Central Florida Concert Choir and eight other similar groups in the United States are the progeny of Thurlow Spurr, considered by many to be the dean of contemporary gospel choir music.
Spurr, who went from serving as a minister of music at Calvary Assembly to being director of music and talent for Jim Bakker's PTL television network until 1981, has directed, produced or participated in thousands of musical productions as well as being president of two music publishing houses and two music production companies. He was recently elected president of the Gospel Music Association.
He is also the minister of music and church productions at the MetroChurch in Edmond, Okla.
In the late 1950s, Spurr formed the internationally acclaimed musical group The Spurrlows. The group is still in great demand at concerts and television programs.
Spurr created the Festival of Praise, which uses non-professional singers to form a traveling choir to tour a few weeks each year.
To reach musicians who do not have an opportunity to perform outside of their church choirs, Spurr developed the concept of regional choirs.
The regional choir is designed to unite serious singers from various Christian backgrounds and provide a format for displaying their talents, said Bob Pickett, a Spurr protege who directs the Central Florida group.
''We really want to give people across the church spectrum an opportunity to get involved in a large-scale, high-quality production,'' Pickett said. ''This way we can pool our resources and do what we enjoy and worship the Lord and have an evangelistic outreach all at the same time.''
The concerts are held in non-church settings so people who may not be comfortable in a church will attend and hear the message the Christian- oriented music bears.
Pickett said the group's goal is to have 1,000 voices in each of the choirs and to be able to amass a huge national choir for major events, such as the dedication of the refurbished Statue of Liberty next year.
The choir has about 100 members in Orlando, about 60 in the Tampa area and about 50 in the Fort Lauderdale area.
The choir will present Bill and Gloria Gaither's musical production Alleluia! this weekend.
Their schedule called for a performance Friday night at Tupperware Auditorium near Kissimmee, in Fort Lauderdale tonight and in Largo near Tampa on Sunday night.
Spurr is scheduled to direct parts of the performance himself and the show includes numbers from a children's choir and The Thurlow Spurr Singers.
Soloists are Richard Wassam and Debra Hill Powell.
Pickett said the group is accepting applications for membership for people over 18. For details, call (305) 857-1776.

domain: artistic


|Also called||Mercury MB-Series (1948-1968)|
|Body and chassis|
|Class||Type C (conventional)|
|Related||Ford F-Series (medium-duty trucks)|
|Predecessor||1941 Ford truck chassis|
The Ford B-Series was a Type C (conventional) bus chassis manufactured by Ford from 1948 to 1998 and was used primarily for school bus applications. Although the B-Series was derived from the medium-duty versions of the Ford F-Series and shared their front fascia, the B-Series was a bare chassis and cowl only; everything from the windshield back was supplied by the bus manufacturer. Until 1968, the B-Series was badged and sold as a Mercury in Canada in both Ford and Mercury dealerships. This was a result of rural Canadian communities often having either a Ford dealership or a Mercury dealership, but not both.
The B-Series was introduced in 1948 as the school bus variants of the Ford F-5 and F-6 (1 ½ and 2-ton) medium-duty conventionals. In 1953, the F-Series and B-Series adopted the 3-digit model nomenclature still in use today and the B-Series effectively became the B-600, B-700, and B-800 models. Diesels were badged similarly with an extra "0" at the end of the model notation. From beginning to end the B-Series paralleled the Medium Duty F-Series in its development. Both F and B Series were identical to their light duty brothers in appearance until 1967 when they received a front end design of their own. This trend continued until discontinuation in 1998.
The B-Series made its debut in 1948 along with Fords first post war design of their newly named F-Series trucks. The new design implemented a flat, single piece winshield and headlights that were integrated into the front fenders giving them a more modern look. The front fenders were squared off at the fascia that touted a new, horizontal bar grille. The dash was redesigned but still had a very plain, utilitarian look. The trucks remained much the same until 1951 when a new, single bar horizontal grille was fitted to the front along with different hood trim.
In 1953, Ford celebrated their 50th anniversary and the B-Series saw a redesign with new B-"00" designations added to the name. The redesign implemented a set back front axle that made the front look nose heavy, but allowed for a tighter turning radius. The hood was also longer and flowed into the fenders. The grille was still horizontal, but was two bars as opposed to the one large one in the previous model. 1954 buses received a refreshed grille and a new OHV V8 engine option to replace the old 239 Flathead V8. The 1956 buses got a new wraparound windshield and restyled dashboards as well as a new grille that was similar to the 1953 model year.
- 215 cu in (3.5 L) OHV I6 (1953)
- 239 cu in (3.9 L) Flathead V8 (1953)
- 223 cu in (3.7 L) OHV "Mileage Maker" I6 (1954–1956)
- 239 cu in (3.9 L) Ford Y-Block OHV V8 (1954–1955)
- 272 cu in (4.5 L) Ford Y-Block OHV V8(1956)
In 1957 the B-Series got a redesigned front end and a new dash area. The front hood was now flush with the fenders creating a more boxy look. The 1958 models saw a new grille and quad headlamps along with new circular gages.
- 223 cu in (3.7 L) Ford "Mileage Maker" I6 (1958–1960)
- 272 cu in (4.5 L) Ford Y-Block V8 (1957)
- 292 cu in (4.8 L) Ford Y-Block V8 (1958–1960)
- 302 cu in (4.9 L) Lincoln Y-block V8
The B-Series was redesigned for 1961 offering a new horizontal grille and fenders that were flared just above the front wheel to allow for larger wheels. The new chassis and front fascia made the truck look lower and wider than previous years. The quad head lamps were replaced with single lights integrated into the grille. The frame and suspension were also redesigned to be tougher than before. This generation of B-Series would be the last to utilize the same front fascia as light duty Ford trucks. Both the B-Series and medium duty F-Series were to gain their own look.
- 262 cu in (4.3 L) Ford I6 (1961–1964)
- 292 cu in (4.8 L) Ford Y-Block V8 (1961–1963)
- 330 cu in (5.4 L) Ford FT V8 (1964–1966)
- 361 cu in (5.9 L) Ford FT V8 (1964–1966)
- 391 cu in (6.4 L) Ford FT V8 (1964–1966)
- 240 cu in (3.9 L) Ford 240 I6 (1965–1966)
- 300 cu in (4.9 L) Ford 300 I6 (1965–1966)
Ford completely redesigned both the B-Series and medium-duty F-Series and departed from using the same grilles as the lighter duty F-Series trucks. The new buses were taller and wider with a large grille utilizing much of the space of the front fascia. The new grille was rectangular with the single headlights being placed very near the far ends of the grille. The fenders were even more flared than before to allow for a wider track and larger wheels and tires needed to make the necessary gain in GVW to remain competitive. This generation was also the first to receive the option of a diesel engine in place of the strictly gasoline lineup in the past. An extra "0" was added to the series notation on diesel models. After 1968, the Mercury-branded version of the B-Series was discontinued in the Canadian market. For 1973, the grille was updated with longer teardrops around the headlights and F O R D block lettering appeared on the front of the hood just above the grille.
- 330 cu in (5.4 L) Ford FT V8 (1967–1977)
- 361 cu in (5.9 L) Ford FT V8 (1967–1977)
- 391 cu in (6.4 L) Ford FT V8 (1967–1977)
- 370 cu in (6.1 L) 385 V8 (1978–1979)
- Caterpillar 1140 V8 (1968–1974) B-6000 Only
- Caterpillar 1145 V8 (1968–1974) B-6000 and B-7000
- Caterpillar 3208 V8 (1975–1978) B-7000 Only
In 1980, Ford redesigned the F-Series medium-duty trucks and B-Series to look more like their heavy duty siblings. They were an all new design implementing styling cues from the Louisville line of trucks. Although the medium duty F-Series had the revised interior from the lighter duty trucks, the B-Series carried over the dashboard from the previous generation. To complement the new design there was a new set of gasoline and diesel engines that became available starting in 1980 and more in 1983. In 1985, Ford took out the "F-O-R-D" lettering in the center of the grille and replaced it with a larger version of the blue-oval logo being phased in on most Ford vehicles starting in 1982. For the most part during the 1980s the B-Series saw minimal changes in design. This version of the B-Series is available with two different hood designs: a rear-hinged hood and a tilt-forward hood. During the mid-1980s, the rear-hinged hood was discontinued as the tilt-forward hood improved engine access and it was a design that had been adopted by Ford's competitors.
- 370 cu in (6.1 L) Ford 385 V8 Engine (1980–1991)
- 429 cu in (7.0 L) Ford 385 V8 Engine (1982–1994)
- 8.2 L Detroit Diesel "Fuel Pincher" V8 (1980–1990)
- 6.6 L and 7.8 L Ford-New Holland I6 (1985–1991)
- 5.9 L Cummins 5.9 6BT I6 (1992–1994)
- 10.4 L Caterpillar "3208" V8 (1983-1990)
In 1994, Ford updated the hood on the medium-duty F-Series to a more aerodynamic design. For the B-Series swan song, the chassis stayed the same but the new aerodynamic cowl was applied. Inside, the 1980s instrument panel and steering column were retained, although a tilt steering wheel became an option. Buses with this option are distinguished by their Navistar-sourced steering wheels. This generation became the first of the B-Series to be powered exclusively by diesel engines; their increasing popularity in conventional school buses led to their standardization in 1990, following suit with International (Navistar).
By the end of the 1990s, the number of major school bus manufacturers had dwindled from five to three; faced with potential closure, the remaining manufacturers entered into business agreements with chassis suppliers. This made it increasingly difficult for Ford to find buyers for the B-Series chassis. This prompted Ford to take a serious look at a possible elimination of the B-Series platform or the purchase of their own body manufacturer to guarantee a demand. The answer came as a bombshell in 1998 with the sale of the heavy-duty "Louisville" truck division to Freightliner, less than a year after the line had been completely redesigned; the final result was the now-defunct Sterling brand of trucks. A condition of the sale required an absence of Ford from competing directly against Freightliner for ten years after the contract was signed. As a result, after 50 years, the production run of the B-Series came to an end.
- 429 cu in (7.0 L) Ford 385 V8 Engine (1994–1998)
- 7.2 L Caterpillar 3126 I6 diesel (1994–1998)
- 5.9 L Cummins 5.9 6BT/ISB I6 diesel (1994–1998)
After a 40-year production run, the 1998 model year marked the end of the Ford B-Series. At the time, Ford Motor Company decided to end production of cowled school bus chassis for several reasons. Alongside the B-Series, the medium-duty F-Series was discontinued and replaced by a new model developed in a joint venture with Navistar International; this became the 2000-2015 F-650/F-750 Super Duty. As part of the late 1996 sale of the Class 8 truck line to the Freightliner subsidiary of Daimler-Benz, a 10-year non-compete agreement stipulated the two companies would not introduce products in direct competition with one another; Ford would be unable to market a replacement for the B-Series as it would be in competition with the newly developed Freightliner FS-65 (until 2007 at the earliest). Although developed entirely separate from the sale of the Ford truck line (which created the Sterling brand), the FS-65 would inherit much of the cowled-chassis market share vacated by the B-Series.
Aside from the sale to Freightliner, the discontinuation of the B-Series was also heavily influenced by factors affecting school bus body manufacturers. During the 1990s, the practice of customers choosing cowled chassis separate from the body manufacturer began to fade as body manufacturers, in order to stay competitive, entered into supply agreements or were purchased outright by chassis suppliers. In 1992, General Motors and Blue Bird Corporation entered into a 10-year contract to supply the B7 chassis exclusively; other chassis became an extra-cost option. AmTran and Thomas Built Buses were purchased outright in 1995 and 1998 by truck manufacturers Navistar and Freightliner, respectively. As the GM/Blue Bird contract expired in 2003, Ford sought a supply agreement with the company, leading to a few prototypes based on the all-new F-650 Super Duty; it did not lead to a production vehicle. As a result, Blue Bird designed the Type C Vision chassis in-house and once again Ford was left without potential customers for any chassis orders after the non-compete agreement had expired.
As of the 2015 model year, Ford no longer produces a cowled-chassis bus in North America. Currently, all Ford buses are based on cutaway vehicles, using the E-Series, F-450/F-550 Super Duty, and F-650 Super Duty. Ford bus chassis are used not only for school buses, but also for shuttle buses, paratransit, and various other commercial uses.
The B-Series was widely available and was used by many manufacturers throughout its production run.
|Body Manufacturer||Model Name||Years Available||Notes|
|American Transportation Corporation||Volunteer (1992–1996)
|1992–1998||Ford was the only non-International chassis to be bodied by AmTran|
|Blue Bird Corporation||Conventional||to 1998|
Crown By Carpenter
|Classic||to 1998||From 1996 to 1999, Carpenter used the Crown by Carpenter brand name on their buses.|
|Les Enterprises Michel Corbeil||1990–1998||Sold only in Canada.|
|Superior Coach Company||Pioneer||to 1982|
|Perley A. Thomas Car Works
Thomas Built Buses, Inc.
|Saf-T-Liner Conventional||1972–1998||replaced by Freightliner-based buses (FS-65)|
|Ward Body Works||Master Deluxe
Wayne Wheeled Vehicles
The Auto Editors of Consumer Guide Ford Truck Chronicle Lincolnwood, Illinois: Publications International. 2006.
- "1957 Ford Trucks Brochure". oldcarbrochures.com. Retrieved 2012-01-16.
|Wikimedia Commons has media related to Ford B-Series.|
|« previous— Ford Motor Company heavy truck timeline, North American market, 1980–present|
|Medium-Duty||F-Series (F-600/700/800/8000)||F-Series||F-Series Super Duty (F-650/750)||Super Duty|


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Here's what Wall Street expects from ONWARD's earnings
Markets Insider AutomationJan. 9, 2019, 09:01 AM
- ONWARD will release earnings for Q3 on January 11.
- Wall Street predict expect ONWARD will report earnings per share of ¥28.43
- Watch ONWARD stock price move in real-time ahead here.
On January 11, ONWARD will release earnings for Q3.
1 analyst forecasts earnings of ¥28.43 per share compared to earnings of ¥33.62 per share in the same quarter of the previous year.
Wall Street is expecting ¥64.33 billion, an decrease of 1.64% over the prior year quarter.
For the fiscal year, analysts expect earnings per share of ¥38.11 compared to ¥36.97 in the previous year. On average, they are expecting revenue to come in at ¥240.90 billion, compared to ¥ 243.08 billion last year.
This story was written by Markets Insider's RoboEddy, which automatically writes these stories based on data provided by our partners.


GameFAQs did it, Facebook did it, Twitter's currently doing it, and IMDB just joined the wagon...It got a new layout. I'm not against layout changes personally. If implemented right, they can be a good thing. Change can be a great thing, and it's even more important on a fast changing environment such as the Internet.
IMDB thus launched its new layout. It's horrible. They took a great, easy-to-understand layout and turned it into garbage. It's cluttered and extremely difficult to scan or just look up quickly information. That's a pretty big mistake because a lot of people visit IMDB to quickly check up on some details in the main details section or the trivia section. There's usually a choice between IMDB and Wikipedia but the latter does have the problem of putting spoilers right in your face. As such, it's usually better to stick to IMDB unless you don't mind having your movies spoiled.
Normally, even if a website's design got worse, I would not mind for long as there's always the probability that one's going to get used to it, mainly due to a lack of options. However, IMDB tooks things futher.
IMDB does not work. A lot of features do not work in Firefox. You cannot rate movies in Firefox. Ironically, the feedback form they explicitly created to obtain comments on the new layout will not even submit. So, if you are using Firefox to visit IMDB and just want to point out that you can no longer rate movies, tough luck. You will have to switch to Internet Explorer (assuming that everything on IMDB is fine in at least in Internet Explorer) to report all these glaring problems. I am guessing IMDB does not bother testing its new layouts before it rolls them out.
Thankfully, there is the option to revert to the old IMDB layout, but there is no guarantee that this option will always be available, or if it's just a temporary feature until people stop complaining about features not working and how cluttered the new IMDB looks like. I certainly hope this option is available as long as the main IMDB features (such as, you know, voting on movies) are not working on Firefox.


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Foucauld, Charles Eugène de
FOUCAULD, CHARLES EUGÈNE DE
Hermit; b. Strasbourg, France, Sept. 15, 1858; d. Tamanrasset, Algeria, Dec. 1, 1916. Foucauld, who came from a distinguished and devout family, was left an orphan in 1864 and was entrusted to the care of his maternal grandfather, De Morlet, a retired colonel. While pursuing his secondary studies at Strasbourg and Nancy, he lost his faith. So deeply did he plunge into dissipation that he had difficulty in completing his military education at Saint-Cyr (1876) and at the cavalry school in Saumur (1878). He received a commission as a second lieutenant, but he was discharged for disorderly conduct at the garrison of Pont-à-Mousson (1881). He was soon restored to his rank and regiment during a native revolt in the Sahara. In the ensuing eight-month campaign he turned from his dissolute ways and distinguished himself in the field for bravery and leadership qualities. When he returned to France, he could not adjust to garrison life and resigned his commission. Then he returned to the Sahara to engage in exploration. After a year spent in Algiers studying local language and customs he passed two years in the desert disguised as the Jewish servant of a rabbi (1883–84). His topographical, ethnological, social, and military findings were published as Reconnaissance au Maroc, 1883–1884 (1888), which won for him recognition from the Geographical Society of Paris.
So deeply had the desert solitude and the religiousness of the Muslims impressed Foucauld that he became reconciled to the Church of Abbé Henri Huvelin (October 1886). With characteristic intensity he began to live a life of prayer and asceticism. On a pilgrimage to the Holy Land, he joined the trappists in the Monastery of Notre Dame des Neiges in Nazareth (1890) but soon transferred to a poorer house at Akbès in Syria (1890–96). In search of greater poverty and self-sacrifice he transferred to the Abbey of Staoüeli in Algeria (1896). The superior there sent him to Rome to study theology, but he left the Trappists before ordination and returned to Nazareth to live as a hermit (1897–1900). In 1901 he was ordained at Viviers.
Thereupon he went back to the Sahara and established a hermitage at Beni-Abbès on the Morocco-Algeria frontier. He sought to bring Christianity to the Muslim desert tribes, not by preaching but by good example. By his life of contemplation and charity he aimed to show himself as a man of God and as "the universal brother," and thereby to prepare the way for later missionaries. In his hermitage, which he called "la Fraternité du Sacré-Coeur de Jésus," he kept the Blessed Sacrament always exposed and spent long hours in adoration. In 1905 he penetrated deeper into the Sahara and set up his hermitage in the Ahaggar Mountains near Tamanrasset. Respected by the Tuareg tribesmen, Foucauld was able to learn a great deal concerning their customs and language. He was murdered by a maurading band belonging to the fanatical Senusi sect. Foucauld had no disciples during life, but the publication of his personal papers inspired the founding of the little brothers of jesus (1933) and the little sisters of jesus (1936). The first steps toward Foucauld's beatification were taken by the prefect apostolic of Ghardaia in 1927. In 1947 the relevant documents were forwarded to Rome.
Bibliography: Oeuvres spirituelles (Paris 1958), anthology. r. bazin, Charles de Foucauld, Hermit and Explorer, tr. p. keelan (London 1923). a. fremantle, Desert Calling (New York 1949). m. carrouges, Soldier of the Spirit: The Life of C. de F., tr. m. c. hellin (New York 1956). j. f. six, Witness in the Desert, tr. l. noel (New York 1965); ed., Spiritual Autobiography of C. de F. (New York 1964); Dictionnaire de spiritualité ascétique et mystique. Doctrine et histoire, ed. m. viller et al. (Paris 1932–) 5:729–741.
[a. j. wouters]

domain: library


The Mississippi Watershed Management Organization (MWMO) is a public organization that works to protect and improve water and habitat in its urban watershed, which encompasses 40 square miles of fully developed urban lands and waters in Minneapolis and surrounding cities.
RIV’s Joshua Foss was contracted to lead a study to:
- Differentiate conventional and restorative water management approaches
- Benchmark and assess the MWMO watershed infrastructure (drinking supply, wastewater, stormwater, and surface water) in relation to restorative water goals
- Establish the role of integrated utility centers within a restorative urban watershed
- Provide associated siting and cost-benefit analysis of a network of integrated utility systems within the watershed
The report provided valuable context for the MWMO to understand the benefits of an integrated and restorative approach to water management.


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Shrek Published by: anonymous on 2003-12-30 Page Views: 1942 Rating: 2/10
Perform at least four good deeds to unlock race mode. Play in race mode to get tokens to buy and unlock the following cheats: Chalk Mode, Crude Oil Mode, Cyber Shadows, Fast Mode, Infinite Flame, Infinite Gas, Invulnerability, Leak Mode, Low Gravity, Money For Merlin, Plastic Mode, Super Flatulence, and Super Strength. Note: Enabling a cheat will not allow the game to advance.
Hint: Chicken experimentation room:
Anywhere in the game that you can manage to fall off the main game map, you will be teleported to the chicken experimentation room. Note: You cannot get out without restarting the XBox. Some ways to get into the room include:
Unlock the low gravity cheat and jump on the roof of the building that holds the power switch. Jump off into the water behind it.
Prince Charming's Castle:
Jump out of the window that you are supposed to kick the prisoners out of.
Have something extra to add??? - Post a comment...
The year is 1989 and deep in the sweltering heat of the Mayan jungle, camouflaged among the Inca ruins, Ernesto Cruz catches his breath for a few moments and admires his handiwork, bodies strewn acros..

domain: game


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If you are wondering who to import anything motor related from the USA, this is your best bet. I have imported a lot of gear for my Turbo Softail Harley through Graham, and numerous parts for my Chevy 454 C20 Pickup also. Always really happy with the great, prompt service, and the ease of it all! I am very lucky to have become Mates with Graham, due to his nice happy nature, and always looking after everyone.
These Guys come thoroughly recommended from me.
Live To Ride magazine contributor.
SEE SOME OF OUR OTHER CLIENT TESTIMONIALS
“If you’re considering buying a car from the US and shipping it to Australia, I highly recommend American Muscle Car Imports.”
“The hardest part is picking which car or bike to import”
“AMC not only make my life easier but gives me great confidence to continue purchasing goods overseas.”
“Here it is winning races in Australia, thanks American Muscle Cars.”
“Graham is always helpful and friendly on the phone with time to spend if needed to explain what ever details need explaining.”
“I wouldn’t use anyone else for importing anything.”
“Pick up the phone, you will be surprised how straight forward an easy it is!”

domain: hobby


M P SHIELD : PG-MPS+2
Magazine Extension For M&P SHIELD & SHIELD M2.0
This magazine extension for the M&P SHIELD/2.0 replaces the magazine floor plate providing Two extra rounds of 9mm and One round of .40 cal. It also adds 1" additional gripping surface for better control and comfort while also incorporating the factory texture pattern. The extension uses the patented PEARCELOCK mechanism to secure the extension body to the magazine.(US 10,996,010 B2)
*Check your state and local laws regarding magazine capacity restrictions.
*** Will not work on S&W Shield 45 ACP or EZ FRAMES.
*** Will not work on S&W Shield "PLUS" FRAMES.


This app does absolutely nothing in helping you determine what time a shuttle will be at a certain stop. Waste of phone space!
The shuttles location never updates. The location remains the same so there is no way to know when a bus is coming. Kind of useless
The shuttle connects with the Park Service shuttle at the Gorge Visitors Center **There needs to be better communication between the people at the State Park and the city tourism group.** The two shuttle services connect at the Gorge Visitor's Center by the Aquarium. I was sent by The people at the park information center for a long walk into town instead of giving me this info. The park service is more to blame here. **HIGHLIGHTING THE ROUTE ON THE MAP WOULD BE VERY HELPFUL. **The drivers should point out details. As I was told, "we are just drivers not your guides."
Useful The free shuttle service is really great, especially you have a little extra time to explore outside Niagara, for eg Lewiston. The apps works very well, you can track where are the buses exactly!!
(1.1.3) Improvements & Updates:
- Improved the map performance
- Improved the application navigation
- Added new shuttle stops
- Updated the content and labels


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Home Entertaining Recipepalooza: We asked some of our favorite bloggers to share a recipe and their tips for home entertaining. This queso recipe comes from Arena. Arena married a Nerd and now she knows way too much about Star Wars, flanges, and Magic: The Gathering. She writes a Dallas mom blog, The Nerd’s Wife, featuring recipes, photography tips, and stories of her family’s nerdy exploits. See this recipe on her blog.
Tillamook Queso Blanco
We always serve queso at our family gatherings – especially during football season! It’s the perfect tailgate dish! Gig’em Aggies!
1 tablespoon of Tillamook Butter
1 can of Rotel tomatoes and green chiles
1 pound of pork breakfast sausage
12 ounces Tillamook Vintage White Medium Cheddar, shredded
4 ounces Tillamook Monterey Jack, shredded
¼ – ⅔ cup of milk
Brown the pork sausage in a large skillet over medium-high heat and then set aside. Drain the Rotel tomatoes and heat the butter on medium-high heat until melted. Add the Rotel tomatoes and sauté for about 2 minutes until fragrant. Set aside.
In a large saucepan, mix the cheese and ¼ cup of milk until the cheese is melted, stirring constantly. Add the Rotel and sausage to the saucepan. Mix well. Then gradually stir in milk until the queso reaches desired consistency. (Make sure the cheese is fully melted before adding any more milk. If you put too much milk, the queso will be too runny.) Serve immediately (it’s yummier that way!) with tortilla chips for dipping.
Tips for stress-free home entertaining:
“For me, the key is to be prepared. I like to keep several options for dinner and dessert on hand, just in case company arrives unannounced. My freezer is stocked with pies-in-a-jar, frozen cookie dough, and enchiladas I can pop right into the oven.
Kitchen advice for other moms and dads:
“Find recipes to serve that are easy to prep in advance, but still unique and fun! I served Monkey Cupcakes at my niece’s birthday party – I baked the cupcakes and made the monkey faces in advance, and they lasted several days frozen. The cupcakes were so fun and cute – all the kids loved them!”

domain: food


April 20-24 is National Library Week! Let’s celebrate our local public libraries and librarians—anchors who are working behind the scenes for their communities every day. I have long said, ‘librarians will save the world’ and it’s never been more evident how important they truly are here in our HD75 community. I encourage you to send a note or postcard of appreciation to your local librarian—let your librarians know what you miss or love or look forward to doing again at the library on the other side of COVID-19. If you have kids, encourage them to do the same! For more information, visit https://www.mobilize.us/rubyforiowa/event/268729/.


Russian, Iranian defense ministers meet
MOSCOW (AP) — Iran’s defense minister has invited his Russian counterpart to visit Tehran, saying it would send a “clear message to the Americans.”
Russia’s Defense Minister Sergei Shoigu welcomed Iran’s Hossein Dehqan to discuss closer cooperation and regional security, at a time when Russia’s ties with the West have plummeted to the lowest level since the Cold War over the crisis in Ukraine.
In the opening remarks at the start of their talks, carried by Russian news agencies, Dehqan criticized the U.S. and added that his visit marks a “new level” in Russian-Iranian relations.
It wasn’t clear when Shoigu could visit Iran.
Russia previously has been cautious about selling sophisticated weapons to Iran because of strong U.S. and Israeli pressure. Russia is also involved in international talks on Iran’s nuclear program.


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Two time Indianapolis 500 winner Arie Luyendyk believes the Formula One should follow the lead of the Verizon IndyCar Series by employing a permanent panel of stewards who travel to each race which would enable consistent stewarding decisions.
At present Formula One employs different driver stewards for each race on the calendar an Luyendyk, who is part of the three man Verizon IndyCar Series stewarding panel.
In the United States Grand Prix two weeks ago, Max Verstappen was handed a five second post race time penalty for putting all four wheels off the track as he overtook Ferrari’s Kimi Raikkonen for the final place on the podium which resulted in the Iceman being awarded the podium finish.
The decision caused controversy throughout the sport with Max Verstappen fans issuing death threats to former Formula One driver Mika Salo who is a driver steward.
Luyendyk along with Dan Davis and Max Papis travel to every race on the Verizon IndyCar Series schedule and review all the on track action. Luyendyk believes that Formula One need to this and have a panel who know the rule-book inside out and not only that but by being permanent they know each driver individually.


June 2nd, Apple unveiled the next version of OS X, Yosemite. Yosemite is currently only available to developers and is in “Developer Preview 1” release stage.
After installing Yosemite, you’re greeted with a whole new level of Mac OS X.
Over the years, OS X has changed in many ways. But the principles that deﬁne it haven’t: power, simplicity, beauty. So when Apple set out to create OS X Yosemite, they wanted to make it more powerful and easier to use, while maintaining the elements essential to Mac. It’s the next natural step in the evolution of OS X. Not just because of how it looks. But because of what it empowers you to do. Thoughtfully redesigning OS X meant going deep into every aspect of the interface and focusing on details large and small. There are obvious changes to big things, like translucency in windows and streamlined toolbars. And there are more subtle changes to a lot of small things, like the buttons, icons, and font you see throughout the system. The more you use your Mac, the more you’ll notice, and the more you’ll love it. By adding translucency to certain interface elements in OS X Yosemite, we’ve put a greater emphasis on your content. Translucent toolbars let you know there’s more to see than what’s visible in the window as you scroll. And a translucent sidebar lets you see what’s hidden behind the active window. So the interface takes on the look of your desktop image and your content — making your Mac experience different from anyone else’s. The new Today feature in Notification Center tells you everything you need to know now. It gives you a concise summary of the day’s upcoming events, reminders, and birthdays. It even summarizes tomorrow’s events. In addition, you’ll get quick access to important information with widgets like Calendar, Weather, Stocks, World Clock, Calculator, and Reminders. And you can customize what you see by adding more widgets from the Mac App Store. You can access Notification Center with just a swipe. It’s always available, even when you’re working in full screen. The fastest way to find things on your Mac keeps getting better. The redesigned Spotlight appears front and center when you open it. It’s great for looking up information from sources like Wikipedia, Bing, news, Maps, movies, and more. And it gives you richer, more interactive previews of your results. So you can read a document, send an email, or make a phone call by clicking a result.


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In this article we round up the best free iPhone games, from fighting and . a brilliantly conceived mobile take on 4X gaming (eXplore, eXpand. The best games for your new iPhone, iPad, or Android phone If you aren't already an active mobile gamer, even at this point, you're missing The game is free and feature-rich, with one-time in-app purchases designed to. Here's our updated roundup of the very best free Android games Have some time to kill and only your trusty Android phone to keep you Asphalt 8: Airborne is easily one of the top racing games on mobile right now. It skips. Final Freeway 2R is a loving tribute to Sega's title. I'm Joe Hindy the Android Authority app guy! I play Modern Combat 5 and play that the most. Just don't bean them with their Android device if they sneak a win with a jammy shot. The Day We Found Earth 17 of The only snag on mobile: Whether playing through set-piece levels or the endless arcade mode, Tomb of the Mask merkur risikoleiter kostenlos spielen ohne anmeldung a fresh, fun, vibrant twitch game leonardo jewels marries the best of old and new. Each time I came across a new Morty I felt compelled playandwin cc capture it, purely so I could appreciate the weird and weihnachtsgewinnspiele kostenlos character designs. The remainder of the game is about balancing champions league ergebnis heute, keeping your boss, team and partner happy, while occasionally sneaking out to the casino and buying the odd fighter jet. These king.com gratis spiele both very solid alegro buty nike games considering their free price tag, but their in-app purchase strategy is a little aggressive. You can pick this up for free but there are in-app purchases so do beware of. Hamdi Douss app android free months ago Link to comment.
Best free cell phone games - findenIts v addictive and great for passing time. If you don't want to pay any money, you are going to end up watching a few ads to get the gems and coins you need, though there are frequent rewards every few minutes for prolonged sessions. Right, got all that? The trail is solid and cannot be crossed again. Given that this is the eighth title in the Asphalt series, it probably comes as no surprise Gameloft's got a bit bored having sports cars merely zoom along at breakneck speeds and drift for ludicrous distances. Altering equipment and assembling parties with a number of classes means you're always kept on your toes. With the new super stunning graphics and those enhanced gameplay features, Angry Birds has never looked so good. Cards are casino games on android to drop units on to a single-screen playfield, and they march about and duff fc schaffhausen tabelle enemy units, before taking on your opponent's towers. Instead of aiming your ball, it has wings and you flap it towards the schnell geld verdienen als kind by tapping syfy games online free and uk free chat buttons. There are dozens of playandwin cc represented, as is casino spiele mit echtgeld bonus now, by cards that you betonline casino review unlock over time, whether casino schubert crailsheim not you pay. Android PewPew is a rock-hard 2D shooting game packed with alternate game modes. The aussie rules results variants of Rick are fantastic, imaginatively conveyed through bright and colourful visuals. Frantic first-person missions 888 casino app fur win phone in realistic 3D environments are sure to get your heart racing unless you're a zombieeven on smaller screens. You plan out the casino royale 2017 in an easy-to-grasp 2D interface, then give blackjack spielen mit system a test run in 3D to see if free spin wheel game holds up. Footloose and carrier free The best unlocked Android phones you can buy. Download The Sims Freeplay for Android. There are over unique levels to complete meaning boredom is nearly impossible in Cooking Fever. And when you're ready for action again, a one-off IAP unlocks three tougher variations on the main game. The goal is to get a ball down a tunnel that you must twist so that the ball stays on the tiles.
Ein göttliches: Best free cell phone games
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domain: entertainment


text:
Delhi’s Jama Masjid has closed once again in view of rising cases of coronavirus in the national capital and will remain closed till June 30. Mosque's Shahi Imam, Syed Ahmed Bukhari on June 11 had said that no congregational prayers will be performed at the mosque till 30th June. Jama Masjid was opened on June 08 after central government allowed opening of religious places as part of ‘Unlock 1’. A total of 19581 active cases of coronavirus have been reported in the national capital so far.
Copyright © 2020 Bennett, Coleman & Co. Ltd. All rights reserved. For reprint rights: Times Syndication Service


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Google mounts a big WAC attack on Microsoft in the enterprise
Unlike Apple, Google is bridging the consumer/business functionality gap. Any foothold in the enterprise allows Google to upsell its other services. Microsoft may find itself squeezed in the mobile market and in the mobile device enterprise business sector without a quick, economical way to thwart Google. Microsoft’s phone initiatives have not become the success that Apple iPhone or even Android have achieved in terms of catching the interest of the young at heart and technically wise buyers.
C is for Chrome
C is a mnemonic for Chrome, which is installed on a computing device. It looks and feels like a browser, but it’s more like a digital air lock. Chrome can connect a computing device to the Google data center. Developers can use Chrome to deliver applications that run on the computing device so that the line between local and cloud-based services becomes irrelevant to the user. Once the device is connected, Chrome can support different virtual Google machines and make the operating system irrelevant. The user gets functionality. In the enterprise, Google-savvy developers can use Chrome to create applications that mimic fully the older, increasingly expensive, on-premises enterprise systems. Microsoft is working to move its enterprise applications to the cloud. The problem is that Google is cloud-ready and moving to the enterprise with an “as is” service; Microsoft is working in “to be” mode.
I see four thrusts taking place over the next four to five months. First, Google will allow developers, partners and early adopters to explore, test and provide services and applications based on all or some of the WAC components. There’s no charge for a programmer to develop with Google technology. Google partners are becoming increasingly aggressive in developing applications for its enterprise search products. My son, who owns Adhere Solutions in Chicago, sells a Google adapter that hooks a GSA into an enterprise’s proprietary content. A couple of clicks and the GSA gets a turbo boost. He’s not alone. BearingPoint, Onix Networking and dozens of other firms are pushing forward with Google enterprise products and services.
Second, startups and innovation centers in larger organizations are now looking at Google’s products and services as viable test beds for certain applications and services. One large firm known for its expertise in retail is shifting to Google products and services. When a brick-and-mortar firm goes Googley, it is clear that Google is in a position to find a way to pound pitons into the monoliths that Microsoft has put in place.
Third, Google’s Wave, Android and Chrome components play together well. Each can tap into other Google functions such as Checkout (back-office billing and payments) and Google Apps (word processing, presentations, spreadsheets, e-mail and calendar functions) without any additional coding. For clever technologists, WAC provides a playground with quite a few bright, shiny toys and a giant jungle gym. Innovation, therefore, is not Google’s responsibility. But when one of the developers or innovators hits a proverbial digital home run, Google will be quick to capitalize on that initiative.
Finally, organizations want to use Google. The top management hears that “search should be like Google” and “e-mail should work like Gmail.”
Google will let its users carry the battle to Microsoft in the enterprise. Microsoft has to be prepared to lower its license fees, work hard to keep its Certified Professionals in the fold, and deliver products that work and work well quickly. If the value is not immediately evident, Google will be waiting to whack a solid double, maybe a home run in the enterprise game.


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(Kitco . News) – He went And the silver prices A strong rally and close to daily highs at midday on Wednesday in the United States, amid a demand for safe haven amid a nervous market as the calendar is set to turn into a turbulent October for stocks and financial markets. The US dollar index is trading at midday strongly lower, bond yields are also lower during today’s session, and crude oil prices are strongly higher – all of which are daily bullish elements outside of the metals markets. Gold prices fell to a 2.5-year low overnight. December gold last gained $30.00 at $1666.00, and December silver rose $0.468 at $18.805.
Today’s Barron’s headline reads, “The Dollar Is Ballistic.” The generally strong US dollar is putting serious pressure on the currencies of many smaller countries, which is very worrying for those who have experienced currency crises in the past decades. The main concern is the spread of general market contagion if secondary currency turmoil and illiquidity extend to severe anxiety and mistrust in the global financial transaction system. The Chinese yuan hit a record low against the US dollar today. Major economies have taken steps over the years to prevent another crisis in global financial markets, but when everyone rushes to the exit doors simultaneously, even powerful systems can be bypassed. Any large investment bank or hedge fund that appears to be in trouble may provide the first clue that a much larger problem is developing. Such a scenario is likely to prompt a larger move in fixed assets, safe haven gold and silver.
Most global stock markets fell overnight. US stock indices are higher at midday when covering short positions. The market was fairly quiet overnight when the Bank of England made a surprise announcement that it would start buying UK government bonds in order to stabilize the troubled UK bond market. The International Monetary Fund said the UK government should re-examine its announced plan to stimulate its economy through massive borrowing and bond sales.
Technically, December gold prices hit a 2.5-year low earlier today. Prices also recorded an “outside of the day” bullish trend today. Gold futures bears still have a strong technical advantage overall in the near term. Prices have been in a downtrend for six weeks on the daily bar chart. The next bullish price target for the bulls is to produce a close above the solid resistance at $1700.00. The bears’ next bearish price target in the near term is pushing futures prices below the strong technical support level at $1,600.00. We notice first resistance at the day’s high at $1,669.40 and then at $1,680.00. First support is seen at $1,650.00 and then at $1,635.00. Wyckoff Market Rating: 1.5.
December silver futures prices posted an “outside day” higher today after hitting a three-week low early on. Silver bears still have a strong overall technical advantage in the near term. The next bullish price target for the silver bulls is to close prices above the strong technical resistance at $20.00. The next target for the bears downtrend price is a price close below the strong support level at $17.40 in September. We notice the first resistance at this week’s high at $19.045 and then at $19.40. Next support is seen at the Tuesday low at $18.295 then $18.00. Wyckoff Market Rating: 2.5.
Copper in New York in December closed 735 points higher at 335.70 cents today. Prices closed near the session high today and posted a bullish “off-day” rally after hitting a nine-week low early on. Copper bears have a strong overall technical advantage in the short term. Prices have been in a downtrend for four weeks now on the daily bar chart. The next bullish price target for the copper bulls is to propel and close prices above strong technical resistance at the September high of 369.25 cents. The bears’ downtrend price next target is a price close below strong technical support at the July low of 315.55 cents. First resistance was seen at 340.00 cents, then 348.00 cents. The first support appears at 330.00 cents, then the daily low at 324.30 cents. Wyckoff Market Rating: 2.5.
Disclaimer: The opinions expressed in this article are those of the author and may not reflect the views of Kitco Metals Inc. The author has made every effort to ensure the accuracy of the information provided; However, Kitco Metals Inc. cannot. Nor does the author guarantee this accuracy. This article is for informational purposes only. It is not a solicitation to conduct any exchange in commodities, securities or other financial instruments. Kitco Metals Inc. does not accept The author of this article will be liable for losses and/or damages arising from the use of this publication.

domain: finance


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The Department of Justice of the United States, has filed the first of a set of lawsuits over counterfeit Smartphone applications, charging four men who now each face up to five years in prison if convicted.
Mythili Raman, acting assistant attorney general for the Department Of Justice’s criminal division, said in a statement on Friday, ”These crimes involve the large-scale violation of intellectual property rights in a relatively new and rapidly growing market…While this represents the first counterfeit apps case by the Department of Justice, it exemplifies our longstanding commitment to prosecute those who steal the creative works of others,” she said.
The lawsuits were filed in the Northern District of Georgia on Thursday and Friday last week. They charge the four men with conspiracy to commit criminal copyright infringement. One lawsuit names, Thomas Allen Dye, 21, and Nicholas Anthony Narbone, 26, both of Orlando, Florida, while the other lawsuit is against Kody Jon Peterson, 22, of Clermont, Florida and Thomas Pace, 38, of Oregon City, Oregon, the Dept has said. In each of these cases, the men are accused of conspiring to copy Android apps and distributing more than a million copies of them through online markets they set up called Appbucket and Snappzmarket. The DOJ have said that these markets were shut down last year. This is the first time domains involving mobile app marketplaces had been seized.
The defendants acted without permission from the apps’ developers, which are otherwise sold through legitimate sites such as Google Play, the DOJ said. The Dept didn’t say which apps were involved. A spokesman for the DOJ, citing court records, said the accused charged a subscription fee for the online markets.
Appbucket was in operation between August 2010 and August 2012 and Snappzmarket operated between May 2011 and August 2012, the DOJ said. Court records show that during a five-month period in 2010, Nicholas Anthony Narbone allegedly received more than US$60,000 in subscriptions to Appbucket.
U.S. Attorney Sally Quillian Yates of the Northern District of Georgia said in the statement, ”We are committed to protecting copyright owners, and we will continue to vigorously prosecute those who steal all forms of copyrighted work.”
[Image via greencrosscenter]


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Shipping delays of the new flagship HTC One and poor overall performance in the last six quarters took their painful bite in Q1 results for the Taiwanese company. HTC Corp. (TPE:2498) reached a new low when it comes to sheer profit, as net income went down 98% to $2.83 million. This marks the aforementioned sixth decline in a row according to the data, although the results for March were approximately 40% better than the February.
In early January, HTC?s Peter Chou said that one of the largest problems company found was the severe lack of marketing when compared to competition, but even with the new model of operation and yet another new marketing chief (third in a two-year period) Benjamin Ho, they could not execute the ?new and bold? marketing sequence entirely. How could they indeed – when the parts (notably camera parts and metal casings) for the new flagship product are not there as suppliers focused fully on the other companies. HTC One only reached three countries instead of the planned 80 thus far, and analysts noted that the company sold between 4.5-5.5 million smartphones in Q1 total. HTC was among the largest Android vendors in the U.S. back in 2010 and even with doubling of its marketing resources for the current fiscal year they will need more than that.
Worth noting is that the HTC has continued their partnership with the social network giant Facebook Inc., and the awkward fruit of that cooperation is the recently announced smartphone HTC First ? that might actually see more customer hands than the HTC One which got unveiled in February. If the issues with the supply chain continue, prognosis for the Q2 is not bright at all. Additionally, even if they manage to overcome manufacturing difficulties ? there is still a question of the success with the new marketing plan. While the company itself is still not operating at a loss, forthcoming months may prove to be of critical importance ? and the first Facebook Home phone, HTC First is just not enough to carry it upwards.

domain: economics


FIRE-FIGHTING HYDRAULIC PLATFORMS
MRP w.e.f. 01-07-2023
Validity till 31-12-2023
22-M Working Height
MODEL – FF220HD
(MRP – Rs. 3,95,00,000/-)
32-M Working Height
MODEL – FF320SHD
(MRP – Rs. 6,95,00,000/-)
42-M Working Height
MODEL – FF420SHD
(MRP – Rs. 7,95,00,000/-)
52-M Working Height
MODEL – FF520SHD
(MRP – Rs. 9,95,00,000/-)
56-M Working Height
MODEL – FF560SHD
(MRP – Rs. 11,45,00,000/-)
62-M Working Height
MODEL – FF620SHD
(MRP – Rs. 13,95,00,000/-)
70-M Working Height
MODEL – FF700SHD
(MRP – Rs. 17,95,00,000/-)
NOTE: All-inclusive prices
(with GST @ 18% on ALP,
Cab Chassis, Freight, TRC,
Training & Commissioning,
2 years Warranty).
EXTRA – All accessories like
Fire Pump, Escape Chute,
Radio Remote Water Monitor,
Thermal Imaging / IR Camera,
CCTV Camera, 4-WD Chassis,
AMC / CSMC contracts, etc.
LIFTMAK Hydraulic Platforms are designed specifically for fire fighting and rescue. It comprises of one main boom with telescopic sections and an articulated boom* (*with or without telescopic extensions) with a Cage mounted at the end either directly or through a tip boom, to go up over and down the other side of obstruction.
The entire unit is mounted on a turntable fitted on a heavy-duty sub-frame on an ARAI certified BS-VI emission norms compliant chassis of minimum* 200 HP engine power (*150 HP in case of 22-m height). The total weight of the built up equipment is within the chassis GVW limit in line with prevailing CMVR guidelines.
Note: The chassis brand may be selected by the user in consultation with us – the chassis shall be equipped with company built driver’s cabin & an external PTO unit. We may need to modify chassis cabin and frame to facilitate the fitment of hydraulic platform on the chassis.
The Boom is box-type section and made of corrosion resistant high strength steel grade FE540 to IS 2062 Reaffirmed 2000/ ST55 (IS 961) or superior such as Weldox®/ Domex® or equivalent. The boom sections are internally and externally treated for corrosion resistance. The service points on chain-wheels (or on wire rope pulley system) and adjusting devices for the extending chain (or wire rope) are easily accessible for servicing.
All the main systems in the Hydraulic Platform are controlled from signal inputs through redundant (dual information) sensors that automatically restrict the outreach and load to within safe limits. Outreach management as per design is controlled automatically by the Computer system/ CANBUS system. Electro-hydraulic proportional joysticks provide controlled and simultaneous movements of booms and slewing functions.
Graphic color monitors located at outrigger control station at vehicle rear, at turntable and at the cage dynamically display pertinent information about the hydraulic platform including height, reach, cage load, slewing, outrigger position, wind speed etc.
The cage has a rated load capacity of 500 Kg (with dry monitor) and is provided with ±45 degrees slewing. The hydraulic platform is tested for stability at 750 Kg cage load at maximum boom outreach and across 360 degree movement of the booms. Digital cage load display, with alarm and automatic cut-off, irrespective of reach, height or position of the hydraulic platform (with allowance for up to 20% overload) is provided.
In operating position, the equipment is stabilized on 4 nos. H-type (hydraulic in-out & up-down type) outriggers having sufficient power and stroke to lift all wheels of the vehicle off firm level ground and independent controls to level the vehicle on uneven (7 degree slope, fore and aft) terrain. An electronic vehicle auto-leveling system is provided to level the vehicle automatically to an accuracy of ±0.5 degree or better.
A slew restriction system is provided that automatically prohibits the slew movement on the side where the outriggers have not been fully extended. Electronic cage collision sensors are provided around the cage that cuts off the operation within approximately 1.0 meter of any obstacle; the cut-off can be over-ridden to continue the operation with caution.
A telescopic water pipe is provided made of stainless steel/ aluminium having nominal diameter of 75-mm. Moving sections of this pipe are thoroughly ground and chromium plated/ anodized to provide reliable function and long life. A water monitor is placed suitably at the cage having discharge capacity of 3800 LPM. The monitor is manually operated with facility of jet/fog nozzle (Optional – Electric operated Radio remote controlled Water Monitor).
A telescopic ladder* is attached on to main boom structure at several points throughout its length and front end in the telescopic sections, resulting in extreme stability even when operated in windy conditions. Each rung of the ladder is designed to support a load of 300 Kg without permanent distortion.
An inter-communication system is fitted between the turntable and the cage. Also, compressed breathing air supply from turntable to the cage is provided through a four way manifold at the cage with 4 nos. breathing air masks at cage and 4 nos. 6 litres @ 300 bar air cylinders positioned at the turntable. Please refer to our detailed technical catalogue for lost of other fitments & standard accessories provided with the equipment.
COMPUTER OVERRIDE SYSTEM: In case of failure or malfunction of the on board computer which controls all functions as well as takes care of the safety of the fire platform, the booms in normal course retract and return to transport position. Operation with computer override feature however makes it possible to over-ride the electronic computerized controlled system and operate the fire platform with modified reach parameters, with alternative mechanical/ hydraulic/ electric safety at full load, while ensuring hydraulic/mechanical/electrical safety systems in place to ensure stability of the hydraulic platform, with a modified reach diagram (* optional in 22-m HP model).
EMERGENCY BACK UP: In the event of failure of truck engine or PTO, a separate stand-by engine is provided to operate the equipment with reduced speeds and to stow the equipment; additionally, a battery driven back-up system is also provided for stowing purpose only.
For boom geometry & layout drawings of LIFTMAK Hydraulic Platform models, indicating maximum height, reach and dimensions in transport position, please reach us at the contact details provided.
|Maximum working height from ground level
|Maximum cage floor height from ground level
|Maximum safe working load (without water monitor in operation)
|Maximum safe working load (with water monitor in operation)
|Maximum working outreach
|Cage dimensions (outer) in mm ± 5% LxWxH
|1045 x 2050 x 1150 mm
|Test load for stability at full reach
|Continuous unlimited rotation in both directions
|360 degree, endless, continuous slewing
|Transport height less than
|Transport length (chassis dependent) within
|Maximum outrigger width with both jacks fully extended
|7.5m (centre to centre) / Optional 6.0m outrigger span
|Maximum penetration of outrigger base plate below firm horizontal ground suitable to level vehicle on incline of
|Maximum wind velocity
|Cage rotation (left and right)
|Chassis GVW required
|> 16 Ton
|> 30 Ton
|> 35 Ton
|> 38 Ton
|> 40 Ton


View Full Version : knitpicks gloss
11-05-2006, 07:45 PM
I am going to order a bunch of yarn from knitpicks, and I was thinking about ordering a couple hanks of gloss to make socks. Has anybody used this yarn? Is it as soft as it sounds?
I have some and posted the question here (http://www.knittyboard.com/viewtopic.php?t=42407&start=30) and got two responses.
I'd like to hear more as well.
11-05-2006, 08:37 PM
I have some Gloss in my sock yarn stash, but I've not yet knit with it...it is nice and soft, though, this I can tell you :wink:
11-06-2006, 08:05 PM
Thanks. I think i will order some. :D
11-07-2006, 03:14 PM
I made a Branching Out with Gloss. I love it. can't tell how it will wash and wear over time tho.


A DRIVER has warned other motorists to take care after a thief broke into her car and stole her handbag.
Carer Jane Purvis was working in Marine Approach, South Shields, when her car window was smashed by a thief at 11.45am on Tuesday.
She had left her bag in the footwell of her Mini Cooper.
Mrs Purvis, from the Scotch Estate, Jarrow, said: “I am really shaken up about this. Inside my bag was my address, National Insurance number, date of birth, pictures and lots of personal items.
“They probably only did it for money, and for the mere £5 that was actually in there, they now know everything about me. I’ve not been able to sleep.
“I guess my bag has probably been just thrown into a bush or ditched by the beach. They wouldn’t be interested in that.”
Mrs Purvis has also had to take two days off work while her car is fixed, and it has cost almost £100 to replace the window.
She said: “I just can’t believe the cheek that in broad daylight someone could do this. It’s a lovely street.
“I want other people to realise this is happening and to make sure they put their things out of sight.
“I normally put my bag in the boot, but this time I didn’t and it’s cost me.
“I really hope he’s caught.”
Police are appealing for anyone with information to get in touch.
A spokesman for Northumbria Police said: “We are investigating a theft of a handbag from a car parked on Marine Approach, South Shields.
“The theft happened at 11.45am, on Tuesday, January 7, when the window was smashed on the car and the handbag stolen from the footwell.”
Anyone with information is asked to contact police on 101, extension 69191, quoting log number 372 070113, or the indepedent charity Crimestoppers on 0800 555 111.


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Santander to pay $50 million for 6% of the fintech company Ebury
Santander Bank announced an investment of $50 million in the fintech startup Ebury, one of the largest payment and currency platforms for SMEs. This investment, part of Santander’s digital strategy to accelerate its growth by taking stakes in companies, will strengthen its international trade offer and consolidate its position as the bank of choice for SMEs that operate internationally.
Santander Bank made the first step to take a majority shareholding in the Spanish fintech startup Ebury. The entity presided over by Ana Botín has put on the table more than $50 million (€45 million) to keep a minority part of the shares. The rest of the money will be paid out when the transaction will be completed over the next few months, following the approval from the regulator. With this first purchase of securities, the valuation of the currency exchange platform stands at $780 million (€700 million).
For more insight, details, and daily updates, download the Born2Invest mobile application to check and stay up to date with the latest business news in fintech. Prepared by an in-house team of journalists, Born2Invest covers a wide spectrum of topics, such as investing, economies and global markets, trending business news, as well as industry updates on tech, real estate, media, and personal finance.
Santander Bank in the foreign exchange segment
The bank wanted to sink its teeth into the foreign exchange segment in international payments and transfers. It decided to do it through the checkbook and not so much with its own internal development. Last November, the bank formalized the purchase of 50.1% of the startup. Founded in 2009 by Spaniards Juan Lobato and Salvador Garcia, it focuses on small and medium-sized companies that have to deal with international payments. The entity took control of the company, which it will let operate independently and even compete with.
The bank has now made the first disbursement of $51 million (GBP 40 million). It has thus acquired 6.4% of the shares of the fintech startup Ebury. The other $461 million (GBP 360 million), between a capital increase and the repurchase of shares from current partners, will have to be made after the final closing with the authorization of the regulator. There is no specific deadline, and in the annual report submitted to the National Securities Market Commission (CNMV), they simply stated that it will be in 2020.
Ebury raised more than $122 million in different financing rounds
The valuation resulting from this transaction is somewhat lower than the one reported in November: about $779 million (€700 million). This is a transaction between shareholders, so everything pointed to the fact that it has been signed at a certain discount compared to the full valuation of the company after the enlargement. Ebury, with offices in London, Madrid, and Malaga, closed last year, according to the same report, with a loss of $24 million (€22 million). It had $43 million (€39 million) in capital and reserves. To date, it had raised more than $122 million (€110 million) in different financing rounds with large Silicon Valley investors, such as Greylock, and other funds such as Vitruvian Partners.
According to Santander’s own figures, Ebury has more than 43.000 active SMEs on its platform, in 17 countries, and with a growth in the volume of transactions completed per client of more than 20% and total revenues of 45%. The Spanish bank does not want to absorb it, and therefore, the startup is maintaining its plans to go public in the medium term, although Botín and its team can always keep the ace up their sleeve to acquire the rest of the shares. Be that as it may, this is the largest purchase it has completed in the sector to date.
Santander to complete the digital sector
This independence is also seen in the next step that Santander will take with a new mobile application focused on international payments with currencies. It is called PagoFX, and after months of delay in authorization as a payment institution by the UK regulator, it is now being officially launched after an injection of $2.5 million (GBP 2 million) in initial capital. It aims to focus initially on private clients, and then to target the small and medium-sized business segment. This is exactly what Ebury is doing, although the focus is not only on currency management, but also on risk hedging or product import financing.
Ebury is not the only acquisition the bank has completed in the digital sector in recent months. The group has included in its perimeter, the car buying and selling platform on the Internet, Coches.com, 93% of which was incorporated at the beginning of this year. The price of this transaction, which aims to complete the offer for dealers and end-users through its consumer credit subsidiary, was not disclosed. The annual report stated that the book value is $20 million (€18 million).
Santander investment strategy
Aside from direct purchases, Santander is maintaining its strategy of investing in fintech startups in the US, Latin America, and Europe through its Innoventures arm. The fund is managed through a UK-based company which has increased its book value in the last year. In 2019, according to the report, it has risen from $96 million (€87 million) to $129 million (€117 million), while capital and reserves have more than doubled to $207 million (€187 million). It made a net profit of $15 million (€14 million).
Santander has invested in more than thirty high-growth companies. Last year it became a shareholder in the Mexican company Klar, which seeks to be the Mexican alternative to credit cards; in the US company Trulioo, which focuses on online identity verification; and in Securitize, which offers a global solution for issuing and managing digital assets with blockchain. The latter is co-founded and led by the Spaniard Carlos Domingo, former head of Innovation at Telefónica Digital.


Formnext 2020 still going ahead in November
Planning continues with an updated health concept and added virtual offerings
Mesago Messe Frankfurt GmbH still expects Formnext 2020 to go ahead in Frankfurt as scheduled from the 10th through the 13th of November 2020. The exhibition organizer is working with all possible urgency on a concept for safeguarding the health of attendees and a supplementary digital program for the world’s leading trade show for additive manufacturing and modern industrial production.
“We remain convinced of the unique value and advantages of a physical exhibition,” explained Sascha F. Wenzler, Vice President of Formnext, Mesago Messe Frankfurt GmbH. “And although digital interaction will never be able to replace face-to-face contact, it does offer more scope than previously thought possible only a few weeks ago.”
For this reason, Formnext intends to take a closer look at digital options: for instance, exhibitors will also be given the opportunity to present products and solutions digitally to the international trade audience. Concepts and platforms are currently being developed for this purpose with further details from Mesago Messe Frankfurt GmbH to follow in the coming weeks.
The underlying rationale is that if we still won’t be able to move across borders by next November we’ll have much bigger problems to deal with than canceling a Formnext trip. The rulings of the Federal Government and the Federal States of Germany, dated 6 May 2020, stating that trade shows are no longer considered to fall under the category of major events that pose a particular health risk, also give cause for optimism for November.
“This is great news not only for the trade show industry but for the entire economy,” Wenzler added. “Trade shows are an important driver of innovation and value creation in industry, especially after months of economic standstill in many industries and sectors.”
The health of exhibitors, visitors and employees will remain a top priority for the show organizers. Together with Messe Frankfurt, concepts are currently being developed to ensure the highest standards of health protection. These include reducing visitor density, guaranteeing high hygiene standards and introducing contact tracing. These concepts are currently being coordinated with the responsible authorities and will be duly implemented in due course.
Fomrnext 2020 will undeniably be a very different show from the ones we’ve attended until today. Perhaps more than many other conferences, the powerful effect of seeing both industrial 3D printers and industrial 3D printing applications in person is impossible to replace by virtual means. Transforming digital into physical is the inherent primary feature of 3D printing and seeing this in person is the only way to fully comprehend the power of this transformation. This year physical attendance will inevitably be lower than in previous years. In fact, attending this edition in person may be considered a privilege (and – to a certain extent – also a risk), with mass attendance taking place digitally and virtually. Finding the perfect combination, in light of the current situation, is key.
In addition to health protection, Formnext 2020 is being designed in consideration of a number of other important factors, such as the wider economic environment, the economic situation in the AM sector, and developments in the European and global travel industry. “Ultimately, even in these challenging times, we want to organize a trade show that is as responsive as possible to the current situation and the needs of participants and the market,” Wenzler concluded.