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Home|Resources & Research|Where Brownfield Reclamation Meets Historic Preservation A Michigan community benefits from the recovery of an historic battlefield and early American settlement.
Where Brownfield Reclamation Meets Historic Preservation A Michigan community benefits from the recovery of an historic battlefield and early American settlement.
Where Brownfield Reclamation Meets Historic Preservation
A Michigan community benefits from the recovery of an historic battlefield and early American settlement.
By James M. Harless, PhD, CHMM
Location: Monroe Population: 20,733
Sustainable development is defined as the confluence of the following three areas: environmental, social, and economic. What could be a more sustainable development than reclaiming an industrial brownfield for historical preservation as well as education, economic benefit, and creation of greenspace?
In 1997, under abandoned paper mill buildings in Monroe, an historic jewel was discovered. Two facets of this jewel—which is listed on both the Michigan and National Historic Registers and has recently been included in the National Park System—are the locations of the Battle of the River Raisin in the War of 1812 and the 1780s community of Frenchtowns, the original settlement of Monroe.
The Frenchtown Settlement/River Raisin Battlefield site is considered by local and state experts to be one of the most important historic and archeological sites in Michigan. The city of Monroe, the State of Michigan, and the previous property owner, Homrich
Incorporated, took advantage of an unprecedented opportunity to preserve history and turn this former industrial brownfield into a state and federal focal point for sustainable historic preservation, education, recreation, and tourism.
The city and Homrich Incorporated worked together with the Michigan Department of Environmental Quality (MDEQ) and U.S. Environmental Protection Agency (EPA) to develop mitigation and remediation approaches to allow the company to donate—and a non-profit or municipal entity to accept—a 30-acre portion of the former paper mill site that encompasses much of the historic Frenchtown settlement and battlefield. The city, MDEQ, and the EPA committed over $3.5 million in brownfield redevelopment funding to address environmental issues at the former industrial facility, demolish existing buildings, and prepare the site for its future role.
Successful completion of the brownfield redevelopment plan provides tourists, history buffs, archeologists, and historians an opportunity to increase their knowledge and understanding of early settlement of the region and the battle of the River Raisin. It also completes the city’s long-term program to sustainably redevelop the multi-site “Paper Mill Row” brownfield zone at the northeastern gateway to the city. Two of the three former mill sites have been redeveloped: one, into a sustainable, new
urbanism residential neighborhood; and the other into a city recreational complex.
Preserving the History—21st Century
On March 30, 2009, President Obama signed legislation designating the River Raisin Battlefield site as a National Historic Battlefield, initiating activities to transfer the property to the National Park Service.
This final path to preservation and national recognition began in 2006 when, after almost a decade of planning and negotiations, Homrich Incorporated transferred ownership of the East Mill historic parcel to the Port of Monroe to hold in trust while site cleanup and restoration and plans for preservation and interpretation were completed. That transfer followed final resolution of the two major issues that long blocked the successful redevelopment of this important site: 1) environmental liabilities and 2) funding for environmental remediation, building demolition, and site restoration.
Transfer of the East Mill property was delayed for years while the current and future property owners, MDEQ, and EPA worked to resolve federal environmental liabilities that would transfer to a new owner. Between 1980 and 1981, the Union Camp Corporation stored hazardous wastes on the site in compliance with an interim-status permit issued under the Resource Conservation and Recovery Act (RCRA). This activity subjected the site to the requirements of state and federal corrective-action programs—a liability that transfers to any future owner of the property, regardless of whether they conducted any industrial or other operations on the site.
The RCRA corrective action program requires the identification and investigation of all areas where any type of waste was handled or may have been released during the 80 years of mill operations. For a municipality or historic non-profit organization, the potential costs for complying with these requirements are prohibitive and an unacceptable burden of ownership.
Soil and Materials Engineers, Inc. (SME) worked with the city, MDEQ, and EPA to develop a strategy for sufficiently mitigating potential, future federal liabilities to allow transfer of the East Mill site. This strategy included a detailed environmental investigation to identify potential sources of impact and any existing significant contamination of soil and groundwater; a plan to remediate contamination areas of concern; a commitment by the MDEQ and EPA to issue a No Further Interest (NFI) letter at the conclusion of environmental activities; and an environmental insurance policy.
The results of the environmental investigations revealed no significant impacts to groundwater and only a few subsurface environmental issues: several underground storage tanks and associated releases to soil, a former industrial waste disposal trench, and asbestos releases in damaged portions of the mill buildings.
After reviews of the assessment results and remediation plans, the regulatory agencies agreed to issue an NFI letter. At this point the city secured commitment for $1 million in environmental cleanup insurance to protect future owners against possible future cleanup costs for unknown/undiscovered environmental contamination. The only remaining problem was securing funding for the environmental remediation, building demolition, and site restoration.
The city and SME spent over seven years seeking funding for the $3.2 million needed to pay for the environmental and demolition activities necessary to allow transfer of the East Mill historic parcel for preservation and interpretive redevelopment. The funding keystone was a $1 million Clean Michigan Initiative brownfield redevelopment grant provided by the MDEQ. The city then secured a $1 million brownfield redevelopment loan from the MDEQ and a $1.2 million loan from a U.S. EPA Brownfield Revolving Loan Fund Grant. These loans will be repaid with incremental taxes generated by other brownfield redevelopment projects in the city.
The culmination of the work was the effort initiated and led by Congressman John Dingell to add the River Raisin battlefield to the National Park System. He sponsored and worked tirelessly to advance legislation to accomplish this feat. He also led the years-long effort to introduce Park Service staff to the battlefield site and convince them that a reclaimed brownfield could be successfully transformed into a National Battlefield Park. President Obama signed legislation designating the site as a National Park in March 2009. The crowning moment for Congressman Dingell and the entire project team came in October 2010 when land for the River Raisin National Battlefield Park transferred to the National Park Service. Dedication of the River Raisin National Battlefield Park as America’s 393rd national park occurred in Monroe, on October 22, 2010. This was the first reclaimed brownfield site ever to be included in the National Park System.
History Well Worth Preserving
By the early 1780s, many French settlers, dissatisfied with conditions in British-held Detroit, left to establish a new community. In 1784, that journey ended at the Riviere aux Raisins (River Raisin), 45 miles to the south. The settlement soon became the focal point of French life in the region. By 1810, it consisted of approximately twenty buildings located within a compound, enclosed by a puncheon fence (stockade), along the north bank of the river. It later became the flash point for American-British skirmishes during the initial stages of the War of 1812’s Northwest Campaign.
Frenchtown occupied a critical position between the British-Canadian Army stationed in Detroit and the Kentucky Volunteer Militia led by William Henry Harrison encamped at Fort Meigs (near present-day Toledo). On January 19, 1813, the Kentucky Militia moved north and attacked British regulars in control of Frenchtown, driving them back to Fort Malden (now Amherstberg, Ontario). Four days later, on January 22, the British counterattacked, pushing those not captured or injured back south to Fort Meigs. More than 300 Americans died that day, making it the single most costly battle for the U.S. during the entire war. The next day, native allies of the British massacred another 60 injured Americans who were unable to march to Malden.
The massacre of those wounded soldiers enraged and galvanized the fledgling western American settlements. Huge numbers of volunteers flocked to recruitment stations seeking revenge. With these additions, a new American Army of the Northwest forced the British from Ohio and back across the River Raisin during the summer of 1813. With Commodore Perry’s September victory on Lake Erie, the British began a full retreat into Canada. On October 5, 1813, Harrison caught them at the Thames River near present-day London, Ontario. Led by the remaining Kentucky militiamen screaming, “Remember the Raisin,” the Americans crushed the British-Indianforce and ended the Northwest Campaign.
The events at Frenchtown and subsequent victory of the American Army in the Northwest Campaign secured the present-day boundaries of Michigan for the U.S via the 1814 Treaty of Ghent.
James M. Harless, PhD, CHMM is a vice president and principal of Soil and Materials Engineers, Inc. He can be reached at 734.454.9900 or [email protected].
Monroe was the 2010 Region 1 Winner in the Community Excellence Award “Race for the Cup.” The CEAs are the League’s most prestigious community awards. They are decided upon by peers both at the regional level and at the Convention, where one of seven finalists is selected as the Cup winner. To find out more about the CEAs, go to mml.org/awards/cea.html.


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Non-dairy milks (also known as plant-based or vegan milks) have exploded in popularity over the past five years. This popularity only continues to grow as Americans explore vegan alternatives to dairy in an attempt to improve their health, lessen their environmental impact, or both.
Dairy milk may still rule the latte universe, but a variety of non-dairy milks have been threatening its dominance since soy milk started showing up in cappuccino cups in the ’90s. And with almond and hemp milks — and even macadamia, cashew and coconut — to contend with, baristas can find themselves juggling a variety of steaming techniques as they try not to burn non-dairy milks while getting them hot enough to add to espresso.
Topics: Alternative Milks

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Archbishop of Brisbane to visit Gympie this week
ONE of the most senior members of the Catholic Church will be in Gympie tomorrow to help the St Patrick's Parish Church celebrate 150 years in the city.
Archbishop of Brisbane Mark Coleridge said yesterday he was honoured to be able to join in the Gympie parish Eucharist.
"This celebration of 150 years will be important not only for the parish but for the whole community of Gympie, of which the parish has been so much a part of for so long," he said.
"The Catholic Church has a long history in this area, with Gympie's first mass celebrated in the Brisbane Hotel just eight years after Brisbane became a diocese."
Archbishop Coleridge said he would love to see as many people as possible at tomorrow night's mass.
"Through all the vast changes of the years, the Gympie parish has been a great community that has been well served by so many Catholics through a century and a half," he said.
"It's a testament to those many people that St Patrick's parish remains an important part of Gympie to this day."
Parish Priest, Father Pat Cassidy, said he was pleased the Archbishop of Brisbane would be a part of the celebration.
The mass will go from 7-8pm tomorrow.
Everyone is invited to attend, with a light supper at Trinity Hall following the procession.

domain: sociology


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I have two favorite professional football teams. They are the Houston Texans and anyone who beats the Patriots. I don’t like their coach. And I don’t like their quarterback. But, when Tom Brady speaks the truth, I must acknowledge it.
One of the articles that crossed my newsfeed this weekend was an article on ESPN.com that gave some advice from Tom Brady of the New England Patriots to Deshaun Watson of the Houston Texans. His advice was as profound as it was simple. “Listen to ‘demanding’ Bill O’Brien.”
Here is a little more of what Tom Brady had to say to the ESPN reporter.
“Billy’s certainly [demanding],” Brady said. “They’re all demanding. That’s what makes them great coaches. They have a sense of urgency every day. They care very deeply about how the team is performing. They want every player on the roster to perform at a very high level every day, and that’s a lot of pressure for players. And I think putting pressure on players is critical to getting the best out of them, because players need to be pushed. There needs to be high demand placed on what we’re doing, and typically players that don’t like that are probably the ones that don’t last very long, in my experience in the NFL.”
There seems to be more to this statement than the obvious coach and player relationship. Brady is acknowledging that Houston Texans coach Bill O’Brien, the former assistant coach for the New England Patriots, is a little tough sometimes. Brady calls him “demanding.”[shareable cite=”Tom Brady” text=”You’ve got to be able to take the coaching. #TomBrady #leadership #PatriotsNation”]You’ve got to be able to take the coaching.[/shareable]
What does it mean to be demanding? When referring to a task, the dictionary says it is about requiring much skill or effort.When referring to a person it says it is about making others work hard or meet high standards. So, why the negative connotation to the word demeaning?
One of the things sorely lacking today is any semblance of high standards and expectations. We don’t have any for those who lead us. And we don’t often have any for ourselves when it comes to our own performance.
Is there value in having a demanding coach?
Tom Brady certainly thinks so. Brady said that being coached by Bill O’Brien “absolutely” made him a better player. Brady, the “no doubt” future Hall of Famer says that he is a better player for having been coached by a guy who wasn’t easy on him and didn’t just says things that made him feel good about his effort. Coach O’Brien wasn’t looking for a level of effort. He was looking for results. Brady, the superstar, made himself coachable by an assistant coach. O’Brien was making a salary that was a fraction of that of the quarterback. But that didn’t matter to Brady. He wanted to be a better QB and he was convinced that O’Brien could make him into one. There is value in having a demanding coach.
Will Deshaun Watson and I heed his advice?
No one likes to feel like someone is being mean or unnecessarily harsh to us. The thought of harsh words reminds me of a story told about Harry S Truman. Many have heard the phrase, “Give ‘em hell, Harry!”. But many may not know from whence it comes.
This stems from an incident that took place during the 1948 Presidential election campaign. Truman, a Democrat, delivered a speech attacking his opponent and the Republicans. At some point during the speech, a supporter yelled out “Give ’em Hell, Harry!”. Truman didn’t miss a beat. He replied, “I don’t give them Hell. I just tell the truth about them and they think it’s Hell.”
It is up to you and me to determine how we will handle the truth when it makes us uncomfortable. Will we withdraw into an emotional cocoon? Will we lash out in anger? Will we accuse the speaker of having no grace, no mercy, or no compassion? Or will we take the coaching and become a better leader?
As I am putting the finishing touches on this article, I am watching the game between the Patriots and the Texans. The Texans are leading the Patriots 33 to 28. A rookie QB has never come into Foxboro and beaten Bill Belichick and the Patriots.
But, Brady delivers a touchdown pass with 23 seconds to go. After the 2-Point Conversion, the Patriots lead the Texans 36-33. I hope Deshaun Watson is not only listening, but watching the unbelievable, and heart-breaking, game-winning drive by Tom Brady.

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Rangers will buy out Drury (Brooks: Drury gone, Avery safe; Wolski maybe?)
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06-09-2011, 07:36 AM
Join Date: Feb 2010
Location: Long Island
I don't know how you can say bad things about a guy who, realizing that his offensive skills have broken down, started to throw his body in front of speeding pucks to try to make the biggest difference he could. It's a really admirable trait, and the marking of hard working player, for someone to completely transform their game into such a sacrificial style of play because they can't perform the way they used to.
Either way, this move is probably the best for both sides. $3.3M free on the cap provides a lot of room for Richards, RFAs, and probably some other moves. Drury can't do this anymore. I know he wants to play, but a human body can only take so much. He can't even stay healthy for more than a few weeks anymore.
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An Asian Christian woman living in London blogging about the everyday issues of religion
Sunday, 26 December 2010
Have you piled on the calories?
People are so worried about what they eat
between Christmas and the New Year,
but they really should be worried about
what they eat between the New Year and Christmas.
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Whether the electric bike charger is used in the correct way will not only affect the reliability and life of the charger, but also affect the life of the electric bike battery pack.
Before charging the charger, plug in the DC output of the charger, and then plug in the AC power. The general charging time is 6 ~ 8h, in practice, it should be based on the discharge of the electric bike battery pack. When charging, the power indicator of the charger shows red, and the charging indicator also shows red. When the charging indicator turns green, the battery is basically full. If you are not in a hurry, you can continue charging for 1~2h. When you stop charging, unplug the charger's AC plug first and then unplug the charger's DC output plug.
Notes on the use of electric bike charger:
1. The charger should be placed in a dry and ventilated environment, and pay attention to moisture and humidity prevention. The charger generates a certain amount of heat when working, so it is strictly forbidden to place flammable objects, such as plastic or foam, on its bottom or around it. If you smell an odor or the charger shell temperature is too high when charging, stop charging immediately.
2. When using or storing the charger, prevent liquids or metal chips from entering the charger.
3. Try not to carry it with the electric bike, if you need to carry it, the charger should be packed with shock-absorbing materials and placed in the toolbox of the e-bike, and should pay attention to the rain.
The article was originally published by GHstore.


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From Sarah Michelle Gellar's blue crush number to Piper Perabo's peekaboo number, there were some definite duds on the red carpet. And we do really need to talk about Tilda Swinton's hair.
Who do you think truly failed on the red carpet this year?
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(Courtesy of Nelle Neighbor-Alonzo)
Signs of Indian walking sticks in Bay Area
Reader spots an unusual bug, which turns out to be a pest more common in Southern California.
(AP Photo/Nick Ut/file)
Suge Knight won't talk to police
After being shot at Chris Brown’s party, rap mogul reportedly isn’t cooperating with authorities to find shooter.

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RAAW is moving forward, swiftly if not in haste.
Working on a project which lasted for more than half a year, with many rounds of design changes, it has been exhausting. But when you think of it as your own creation, almost like your own beloved baby, you won't leave it in haste, and you will want to embrace it when it feels cold, hug it and keep it warm, bring joy to it, and infuse it with love and care, talk to it, revisit old places and bring new life to it.
That's the life of a designer. Its rewarding when you start to see your design grow.
(The above picture is our morrison project. Click here and see more)

domain: design


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According to Forbes, Denver, CO is the #4 best place in the country for businesses and careers. That is great news but anyone who owns a business knows that it comes with a lot of uncertainty and worry. At AFI Insurance we would like to be able to help mitigate some of that uncertainty. We can help you navigate the complicated world of commercial insurance and help create a policy that offers you the protection you need and none that you don’t. Commercial insurance has different components and you can pick and choose what components fit your business model.
If people are visiting the location where you are doing business it is always possible that one of them could be injured. Someone could also be injured by some information you gave them or by one of your products. Business liability insurance gives you protection against legal actions that may be taken against you.
Business Interruption Insurance
If something happens to disrupt your business, you will still have obligations. Just because your business has to close your bills don’t go away. You need to get a salary and pay your normal operating expenses. This type of insurance does have exclusions so be sure to know what they are, but it can be the difference between staying in business and closing your doors.
Business Property Insurance
If you own the building where your business is located or even if you rent property insurance can save your business. Beyond the building, you have office equipment. supplies, inventory, and machinery. All of these could be damaged by a variety of hazards.
At AFI Insurance we have been in the insurance business since 1996. We have the experience you are looking for in your insurance professional. We look forward to helping you create a commercial insurance policy that protects you and your business at a price that makes sense. Give us a call or stop by our office for a no-obligation quote.
When you start making your plans to retire in Denver, CO, you probably think of the most obvious sources of retirement income, such as savings and retirement accounts. Most people don’t realize how important insurance is to any financial planning.
At AFI Insurance, we can help you understand the ways insurance will help you with your own financial plans. While insurance serves a short-term purpose when helping you recover after a fire or other disaster, insurance can also help protect you in the long run to achieve the goals you have set yourself for your retirement.
This is the kind of insurance most associated with financial planning, in that a sound life insurance policy can help you or your family even if one of you dies. You don’t want to leave your family in need, so it is important to get a policy payable on death. If your family is still young, you might need a sizeable enough policy to pay off a mortgage, put children through college, and pay off any debts you accumulated in your lifetime.
You will also need to consider if you have a special needs child who will need longer care or parents who still have needs. You don’t want to wait until it’s too late to try to provide help for them.
Other Kinds of Insurance
Even though they are not directly involved in financial planning, other kinds of insurance help keep you on track to maintaining your goals. If you crash your car in Denver, CO, you don’t want to have to pay for the damages out of your own pocket. If your home is burglarized, you want to know you’re protected.
If you would like to talk about your future and how insurance can help with your retirement, please call AFI Insurance.
If you are like most people you are probably asking yourself what is specialty insurance? It sounds exotic or different and in a way it is. In the broadest terms, specialty insurance is coverage for things or events that would not be typically covered by insurance that you already have. At AFI Insurance in Denver, CO we would love to sit down with you to discuss what needs you may have for specialty insurance.
Specialty for insurance purposes is defined as meeting special needs. These special needs can be personal or business. The range of specialty insurance that is available is wide and the price will depend upon the amount of risk that is involved for the insurer. Many companies offer specialty policies but not all of them are created equal and that is where a knowledgeable insurance agent can make all the difference.
Flood -Flood damage to your home and possessions is not covered under your home insurance. You need to have a special policy to cover this particular eventuality.
Cancellation– whether it is the trip you have been dreaming of for years or the most important day of your life when you want to feel protected, specialty insurance can make sure that while you may still be disappointed you won’t be out a ton of money as well.
Power vehicles– if you enjoy the thrill of riding an ATV, powerboat, motorcycle or snowmobile, you need insurance beyond what your auto vehicle offers. This also goes for a jetski, classic car or motorhome.
Now that you have at least a small idea about what specialty insurance is and why you might need it, why not take the time to give us a call at AFI Insurance in Denver, CO or stop by and let us help you to make sure that you have the coverage you need.
Certain life insurance policies are designed to pay death benefits to the beneficiaries and to be an investment vehicle for the policyholder. Work with your agent at AFI Insurance, serving Denver, CO and the surrounding area, to get more of the details because there are many options in these products that can be customized for your life goals and financial planning.
To get an overview, let’s consider a basic explanation of two types of life insurance, which are Universal Life (UL) and Indexed Universal Life (IUL) to understand how these life insurance policies work.
Universal life insurance is available in many types that include fixed-rate models and variable-rate versions. For a UL policy, you make selections of equity accounts for the associated investments. Cash values are allocated to build up a fixed account.
Indexed Universal Life
If a UL policy is tied to the performance of a stock market index, then it is an IUL policy. The stock market index used may be the S&P 500, the NASDAQ 100, or others. No money is directly invested in any equity positions, only the overall index performance is used to calculate the financial performance of the IUL policy. This makes an IUL policy have more risk than a UL policy.
A Comparison of UL and IUL Policies
Both UL and IUL policies have a death benefit. Both have investment characteristics. An IUL policy can offer a cash accumulation that is tax-deferred for use in retirement. These IUL policies are used to insure a business owner as key-person insurance. They are also used for estate planning and have some upside potential if the equity index performs well over time.
UL and IUL products are very complex financial instruments and have specific uses that are not always good for everyone but can be effective for others. Work carefully with your tax advisor, investment advisor, and your agent at AFI Insurance in Denver, CO to get the information you need for considering these products as part of your long-term financial planning.
The Denver, CO area is a fast-growing city and metro area that offers a lot of opportunity to anyone that would like to invest in their own business. Those that are looking to start their own company still need to consider all of the risks that could impact their operations. One way that you can mitigate many of these risks is by getting a new commercial insurance policy, which can benefit a business owner in many ways.
Gives Protection for Liability
One risk that all business owners need to continue to be aware of is the risk of being sued for liability. No matter how careful you are and how diligent you are with your practices, there is still a risk that you could be found at fault for a customer’s injury or illness. If this occurs and there are damages, it could jeopardize the financial strength of your company. Fortunately, a good commercial insurance policy can mitigate these risks through liability insurance.
Protects Your Company Assets
No matter what type of company you start, there will become a sort of upfront investment to buy equipment and inventory. If you happen to be a victim of a fire, water damage, or even theft or vandalism, this entire investment could be wiped out. Because of this risk, you should make sure that you always have a good commercial insurance policy in place as the property protection could keep you solvent if an accident occurs.
Ultimately, having commercial insurance can protect your company in a lot of ways. Those that are in the Denver, CO area should contact the team at AFI Insurance to discuss their insurance needs and options. AFI Insurance could provide you with a lot of insight into your insurance needs and options for your company.
Are you traveling to Mexico on vacation sometime soon? Unfortunately, your existing car insurance doesn’t cover you once you cross the border. Thankfully, you have a secondary option–a special kind of insurance designed specifically for international travel. Here are three tips from our AFI Insurance in Denver, CO team for purchasing Mexican specialty insurance.
Tip #1: Read Your Coverage Options Carefully
The insurance process in a foreign country like Mexico is much different than the one you are probably used to. That’s why it is so important to read your coverage options carefully. Make sure you select a high enough limit to cover you in the event of a serious incident and know whether your policy covers theft and vandalism, as not all do. Also, recognize that Mexican insurance deductibles are often listed as a percentage of the vehicle’s value instead of a set amount.
Tip #2: Consider Purchasing Legal Aid and Travel Assistance Coverage
Similar to purchasing car insurance in the United States, there are multiple different add-ons to consider buying. The two most important are legal aid and travel assistance coverage. Legal aid helps pay for any defense costs if you are arrested or detained while in Mexico. Travel assistance helps you continue the trip or return home if your vehicle is unrepairable or stolen.
Tip #3: Remember to Report Accidents Before Leaving Mexico
If you’ve encountered a situation that warrants using your policy, make sure you file a claim before leaving Mexico. An adjuster must see the damage before you return to the United States or it might void the policy.
Ready to learn more about Mexican specialty insurance or other types of coverage? Contact our AFI Insurance team today to schedule your appointment. We proudly serve the Denver, CO area.
Financial planners are very important professionals that help to ensure their customers are able to reach their financial goals. While financial planners do provide amazing service, the profession also comes with some risks. For those that are in the Denver, CO area, getting financial planner insurance is extremely helpful as it will protect you a number of different ways.
When you get financial planner insurance it will provide you with extensive liability insurance. First, you will receive standard liability insurance that will provide you with protection for any accidents that occur on your premises. Additionally, you can receive professional liability insurance that could provide you with protection against any legal claims. This will prove to be very beneficial in the event you are found liable for any type of mistake or accident.
A financial planner may also on a significant amount of business assets. Some common assets that can be owned by a financial planner can include computers and other electronics, office furniture, a company car, and a variety of other assets. Additionally, you will need to protect your place of business whether you own the property or lease it. A full financial planner insurance policy will provide you with coverage for all these business assets.
There are clearly many different benefits that come when you get a financial planner and insurance for your business. When you are looking for this type of insurance in the Denver, CO area, AFI Insurance is a great resource and organization to contact. When you reach out to AFI Insurance, the company will spend time with you to better explain the risks that come with being a financial planner. They will then get you into a policy that protects against these risks as much as possible.
Insurance can cover more than houses, boats, and cars in Denver, CO. If you can put a dollar value on your risk, you can insure it. Here are some interesting examples of specialty insurance:
Alien Abduction Insurance
A small insurance company in Orlando actually sells protection against alien abduction. You pay a one-time premium of just $9.95, and you’re protected for up to ten million dollars in damages and medical care. Of course, it’s a long shot that anyone’s going to file a claim, but if you’re worried about getting scooped up by a tractor beam, it’s nice to have options.
Something you don’t really think about as a business owner: What if one of your employees wins the lottery and quits without notice? Well, a number of UK insurers have you covered for all of the expenses involved in restaffing the position.
Body Parts Insurance
You’ve probably heard of this one: More than a few celebrities have insured their trademark bodies parts, such as Heidi Klum covering her legs for $2.2 million and Gene Simmons covering his tongue for one million. It sounds silly, but it makes sense if you think about it. A celebrity has so much riding on their image, so Bruce Springsteen insuring his voice isn’t much different from a delivery driver insuring their car.
Specialty insurance doesn’t just cover "unusual" risks, it’s really about covering anything exceptional. In Denver, CO commercial buildings and homes that are worth well above typical market, values are often covered on specialty policies.
If you need something protected and your current provider won’t meet your needs, get in touch with AFI Insurance and see what we can do for you.
Financial planning is the road map that we use to get through life. When to buy a new car, when to start that business, which house to buy in Denver, CO. It all comes down to the financial plan. Unfortunately, many people fail to work insurance into their financial plan.
A number of things need to be considered when working insurance into that plan, including the expense of insuring everything that needs to be insured, and consideration of the safety net that it provides.
Simply put: what can you not afford to not insure?
Certainly we need to cover the basics. Home, car and recreational vehicles like boats, RV’s and so on, health insurance, life insurance and so on. We also need to consider the special needs associated with the risks specific to our own lifestyles and careers. Someone with an expensive home may need to consider their higher-than-usual liability risks, for instance.
As a general rule, any time a significant amount of money is changing hands, whether we’re buying a summer home, getting that promotion or Christmas bonus at work or building an addition to the house, we need to take insurance into consideration: Does this need to be insured, will this require renegotiating our current insurance plan, and what are we putting at risk if we don’t? As we upgrade our lives, we also need to upgrade our insurance.
If you’re not sure of how to work insurance into your financial planning, get in touch with AFI Insurance. We can help to guide you to the right plan for your life, your career, your assets, and your risk.
Commercial insurance covers a great deal more than you might imagine. That being said, there are some things that commercial insurance simply does not cover. For those that live or work in the Denver, CO area, the agents with AFI Insurance can help you find the policy that is going to work best for you.
For the most part, your commercial policy is going to cover a great deal including some repairs to your commercial structure. For those that do have a commercial policy, you are not likely to get any sort of coverage for flood or for flood repairs on your commercial policy. Much like a home insurance policy, your commercial policy is not going to cover flood simply because it is not the norm and is not super common in any one area. This means that since flood is not something that all buildings are at risk of, flood is nearly never covered on a standard commercial policy.
You can, however, add flood coverage if you live in an area where flood is possible or where flood is common. If your business is located near a body of water, in a flood plain, or in any area where flooding is possible and likely to happen, you are going to want to have some sort of flood coverage in place. This being said, taking the time to find a great policy that is going to work well and one that is going to be tailored to your company is a must. You should take the time to consider extra flood coverage if it is needed and you should take the time to make sure your policy works for you. For those that live in the Denver, CO area, the agents with AFI Insurance can help you to get your policy figured out.

domain: finance


Bikes And Music - Academy Performs Live Since Pandemic
A Rockford music group performed in an unusual place on Sunday.
The Music Academy in Rockford held pop-up performances on the Sinnissippi bike path near the Nicholas Conservatory & Garden-Eclipse Lagoon Teahouse and SwedishAmerican Hospital Riverfront YMCA Pavilion. The performances were originally scheduled for Saturday Sept. 12 but moved to the 13th due to weather.
Marti Frantz, executive director of the academy, said its children haven’t performed in front of a live audience since March. Zoom is what they’ve had to depend on.
“Zoom has some inherent problems for musicians," she shared. "There's a delay and, you know, we've been trying to teach on Zoom. We can't see their faces and their facial expression. We can't work on intonation. We can't work on tone production.”
Frantz explained that last week was the first time the academy held group classes since the pandemic started. She said all students wear masks and are positioned six feet apart. She also stated they use air purifiers.
John Leib was there enjoying the show with his wife Katie. Leib is a former academy student. He said he started taking lessons at age three and continued through high school.
“I think music is important for every kid to have an opportunity to learn how to play an instrument,” he said, “whether it be a stringed instrument or woodwinds or any band instrument.”
Frantz said fall solo performances will happpen but there will be changes due to the indoor concert restriction of 50 people. The holiday concert is postponed.
The academy is accepting donations to help with scholarships, financial aid and faculty development.
- Yvonne Boose is a 2020 corps member for Report for America, an initiative of the GroundTruth Project. It's a national service program that places talented journalists in local newsrooms like WNIJ. You can learn more about Report for America at wnij.org.


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Biking in Luxembourg City
In Luxembourg City, you can rent bicycles for forays throughout the grand duchy from Vélo en Ville, in the Grund. Rue Bisserwée 8, Luxembourg City. 4796–2383.
Extensive maps of cycling trails both in the the city and around the countryside are available at the City Tourist Office.
GREAT AMERICAN VACATION
Take our short photo quiz to reveal your ideal trip in the U.S.More
View deals in Luxembourg City for vacation packages, hotels, airfare, and more from our partners!More

domain: travel


In one of this country’s finest small-town music scenes, Asbury Park, duo Yawn Mower have been winning over audiences since their inception with their infectious fuzz-rock stylings and irreverent sense of humor. Recently, the band took part in Speak Into My Good Eye‘s annual 24 Hour Songwriting Challengewhich is set to benefit the National Suicide Prevention Lifeline.
Impose Magazine is happy to host the exclusive premiere of Yawn Mower’s contribution, “It’s All Non-Stop,” today. On the track, Mike Chick (guitar, vox) and Biff Swenson (drums) craft a pensive slice of indie-rock led by a winding lead guitar line and poetic and somewhat ironic lyrics in examining the whirring onslaught of time written under a 24-hour time crunch.
Stream Yawn Mower’s “It’s All Non-Stop” below and be sure to catch them at A Friendsgiving Fuzz Fest hosted by CoolDad Music, Little Dickman Records, & The Garden State Beard & Mustache Society at the Asbury Park Brewery on November 18th.


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Several types of Gambling Addiction
Gambling is actually the wagering on something of equal value with the intention of winning something of equal value. Gambling therefore requires three factors to 드퀘11 그로타 카지노 코인 벌기 stay place: risk, consideration, and a bet. This may sound easy however the three factors require a large amount of thought before you can make an effective decision. The main element factor is to have the patience to hold back for a high possiblity to win.
There are plenty of people who make the mistake of gambling whenever they feel like gambling without carefully planning beforehand. They’re either too excited to gamble or simply cannot stop thinking about gambling. This causes them to lose out on the many opportunities that are available in gambling. There are lots of those who have to work and support their families due to the fact of gambling.
Regardless of what people think, gambling activities usually do not require a lot of time to implement. All you need is some understanding of statistics and probability. In case you are willing to devote some effort then you can definitely make some money out of gambling activities. The web has made it very easy for people to engage in a variety of types of gambling activities.
Although gambling addiction is a legal thing, the law will not concern a lot about the addiction. The only thing that matters is if the person has acted with intent. To prove this, the federal government needs to find out how much money was lost and just how many times the individual has gambled. Gambling addiction is different from other addictions for the reason that it is usually connected with an emotional problem. Unlike other addictions where the main reason behind the addiction is financial pressure, gambling addiction is more likely to be because of an emotional issue such as stress, loneliness, or even fame or peer pressure.
Other common gambling addictions include internet poker addiction, credit card addiction, online casinos addiction and high roller syndrome. Because the name states, online casino gambling is more of a virtual than actual game and therefore more vunerable to cyber crimes. People involved in online poker are more susceptible to higher risk gambling than other folks because they are away from the reality of their physical surroundings.
Online slots also attract more higher-risk gamblers. You can find people who don’t like to lose money on slot machines but still wants to go through the excitement. It is like gambling on the slot machines in the olden times. However, as you can find more options available on the net, you can never be sure which machine is spinning the winning combination. You might like to bet long before the machines actually spin the winning combination that increases your risk of losing money.
A different type of gambling activity is lottery syndicates. There are numerous websites that enable you to register with them and begin playing lottery games like lotto and jackpot games. These websites usually involve betting where you or perhaps a friend is betting a specific amount of money that will be won by the lottery draw. The winners of these games will then share the winnings. This type of online gambling can provide you a high level of pleasure and excitement.
Problem gambling addiction is really a difficult addiction to treat. There is absolutely no specific drug or alcohol that may cure this addiction. The great thing to do to treat this issue is to consult with a psychologist and get specialized help. Talking to your loved ones members and avoiding places you know might tempt one to gamble are also a number of the many things that addicts can do to get rid of this problem. You have to recognize that if you fail to control yourself when gambling you ought not go online or make use of gambling machines.

domain: psychology


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Fibromyalgia (FM) is a chronic health condition characterized by widespread body pain that is often felt from head to toe. The pain, felt in muscles and tendons, is considered a rhematological condition although its etiology is unknown. Statistics Canada reports that 343,000 Canadians have been diagnosed with FM, although the organization Fibromyalgia-Chronic Fatigue Syndrome Canada believes that this number is grossly underestimated – they believe that upwards of 700,000 to 1.2 million Canadians are living with FM – or 3.5 to 5 percent of the Canadian population.
Diagnostic Criteria for Fibromyalgia
As stated above, FM is characterized by widespread musculoskeletal pain, fatigue, and multiple tender points. Tender points refers to tenderness that occurs in precise, localized areas, particularly in the neck, spine, shoulders, and hips. Sleep disturbances, morning stiffness, irritable bowel syndrome, anxiety, cognitive problems (“brain fog” and memory impairment), headaches, sleep disorders, muscle spasms, reduced coordination, multiple chemical sensitivity, and decreased physical endurance are often co-occurring.
Exercise and Fibromyalgia
It is difficult to study the effect of exercise on fibromyalgia, as many study participants drop out during the course of the research. Exercise protocols modelled after the general guidelines of the American College of Sports Medicine (ACSM), often utilized in research, are too challenging for these participants. This exacerbates pain and fatigue.
That being said, there is good evidence that cardiovascular exercise is helpful. On average, this population has a 58 percent reduction in cardiovascular capacity, compared to normal subjects the same age. A meta-analysis from 2008 found that regular cardiovascular exercise (following the ACSM guidelines) had a positive effect on global well-being, physical function, pain, and tender points. The positive effect of the exercise, interestingly, was unrelated to increases in VO2max. That is to say that in these studies, people with FM experienced benefits from physical activity that did not necessarily result in actual increases in aerobic capacity.
Properly designed resistance training regimens are safe and have been shown to improve FM patients’ pain tolerance. Recently, researchers have demonstrated that strength training stymied losses in muscle mass, quality, power, and strength – which are usually accelerated in FM patients. In fact, resistance training 2-3 days per week at intensities corresponding to 8-12 repetitions to fatigue can reduce pain by up to 49 points on a 0-100 scale, and in addition to reducing the number of active tender points.
Exercise Specialist Recommendations
Teach correct breathing before learning how to exercise. Learning how to breathe without bracing for pain is a critical skill to master before progressing to structured exercises. Cue deep breaths that reach the bottom of the ribcage, with gradual exhalations. This can be paired with simple movements like gentle stretching or small pelvic tilts.
- Be realistic about goals. Never promise clients pain reduction. Instead, tell them you will do you best to help them, focusing instead on functional capacity and the ease with which activities of daily living (ADLs) are executed.
- Program low intensity cardiovascular training (40-60% VO2max), with one to two days between workouts. You can also use discontinuous, or fragmented, exercise – small segments lasting 2-10 minutes, broken up throughout the day.
- Have clients do less than they are capable of. This is different for each person and it is the personal trainer’s challenge to determine what each client’s threshold is, and program for less. People with FM are super-sensitive, and as fitness professionals we must err on the side of caution when it comes to exercise volume and intensity.
- Use gradual progression! People with FM must take this concept in exercise physiology to the extreme. Whereas someone without the condition might spend three to six months working up to an ideal level of fitness, those with FM will need at least six to twelve months – if not more - to slowly build strength and endurance. Temporary flare-ups may require a person with FM to take a break before resuming the exercise routine.
- Start with one modality at a time. This gives the personal trainer a better idea of what is and is not working. Begin with cardiovascular exercise, add in strength training, then stretching.
- Include strength training. In some individuals, a vicious cycle develops – inactivity due to chronic pain, then more pain due to muscle atrophy. Besides muscles, resistance training strengthens connective tissues like tendons and ligaments - which enhance joint stability. Loss of strength also increases the risk of acute injuries like tendonitis and strained ligaments, and chronic problems like arthritis.
- Schedule rest. This is part of the exercise program! People with FM may experience post exertional fatigue up to 48 hours after a workout, and adequate rest on exercise days may prevent this from happening. Furthermore, training adaptions occur for all individuals during the rest periods between sessions. Soaking in a hot bath with Epsom salts can also help.
- Encourage clients to safeguard sleep. Most FM sufferers have disordered sleep, most commonly a deficit of delta sleep – the deepest phase of the sleep cycle. Tell your client to go to bed at the same time every night, and make the hour before retiring relaxing – by avoiding the computer, phone, email, or upsetting conversations. Instruct your client to avoid consuming liquids right before bed, avoid exposure to bright light before bed and during the night, eat meals at regular times, avoid afternoon naps, and to consider medication if nothing else works. Clients should not exercise if they have had a particularly poor night’s sleep.
By following the above recommendations, people who suffer from fibromyalgia can have success with exercise, just like those without the condition.

domain: medical


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*It’s been 2 years since Kelly Rowland made any noise as far as new music is concerned.
During that time period got married, had a baby and unfortunately, lost her mother. Now she’s back with a new bouncy ditty called “Dumb.”
And you know what? We love it!!
Wonder if it’ll be on her upcoming fifth solo album?
Check out “Dumb”:

domain: celebrity


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Cove remains finish line for swim
But this year, following a federal sequestration that crippled the country’s defense spending, uncertainty loomed over the annual Save the Bay Swim. Organizers were left scrambling for answers. Without the cooperation of the U.S. Navy, where would the swim commence?
At the same place it’ll end, it was decided.
Save the Bay announced last week that Potter Cove will act as both the start and finish lines for the 37th edition of the swim scheduled for July 20. Rather than crossing the East Passage from coast to coast, swimmers and kayakers will compete on a triangular course just north of the Newport Bridge. The length of the course remains the same.
“I had promised that the swim would go on, and I’m happy to tell you that we have finalized our plans,” said Jonathan Stone, executive director of Save the Bay.
Last year more than 500 swimmers and 250 kayakers made the trek across the bay, east to west. This year is less direct. Swimmers will start on the beach at Potter Cove, swim northeast to a marker buoy a little less than a mile away, make a 90-degree turn and swim another half mile southeast toward the Newport Bridge, then take a 45-degree right turn at a second marker buoy and head back toward the beach at Potter Cove.
The after party, as always, will be held on the lawn adjacent from the Rhode Island Turnpike and Bridge Authority headquarters.
Race organizers said about a dozen possible sites were reviewed before deciding on the triangular Potter Cove course. According to Stone, logistical challenges included tidal currents, shoreline conditions, parking, restrooms and electricity. The starting line also needed enough space for sponsors, vendors and onlookers, as well as room to drop off kayaks.
Safety and security also had to be ensured in order to get approval from the U.S. Coast Guard, who has the final say.
“We feel strongly that a triangular course starting and ending at Potter Cove meets the criteria for safety, distance and logistics,” said Eric Pfirrmann of Save the Bay. “Considering how much support we have enjoyed from both the Rhode Island Turnpike and Bridge Authority and the town of Jamestown, this year’s course just makes sense.”
As much as 6.5 percent of the country’s defense spending is expected to be cut in 2013, totaling more than $42 billion. Civilian- oriented events were a primary target. The Save the Bay Swim wasn’t the only local military-related event to get the axe.
The enormously popular Quonset Air Show was canceled after the U.S. Department of Defense said all military demonstrations, including the Blue Angels, were restricted from participating. The R.I. National Guard’s Leapfest, the largest international static-line parachute competition in the country, was axed as well. Except for a weather-related cancelation in 1985, it has been ongoing each year since 1982. Navy Week was also abandoned this year.
The Save the Bay Swim is the organization’s most important community event of the year, and it acts as its largest fundraiser. The race is one of the longest-running open-water charitable swims in the country.
“It celebrates decades of achievement in cleaning up the bay,” said Stone.
This year’s Sequester Swim – as Stone is calling it – may only be a one-year trend. He hopes Naval Station Newport will allow them to return in 2014.
“This decision came despite strong support from leadership at the naval station and regular participation in the swim by many active and retired Navy personnel,” he said. “We would like to thank the city of Newport and Naval Station Newport for their long-standing support of the swim, and look forward to bringing the start back to Newport next year if allowed.”

domain: geography


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Before you start the walk, take some time to enjoy Flamborough head – it’s more of a roam around here than a guided walk
- From the Flamborough Head car park, head north – this path will bear left and split off – take the path to the right.
- You’re following the rightmost path all the way down the coast until you get to a drive that leads you down to Thornwick Bay Cave – head to the right down the drive
- Head off onto the footpath at the end of the drive, again, keeping to the right and following the coast – this will lead you to Bempton Cliffs.
- Just reverse the walk to get back to where you started.


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Indianapolis, Indiana, US
Help us to raise money for Orbis International and Cybersight Telemedicine and Education; benefiting eye care providers in Africa and Worldwide.
Created a new fundraising project, Cycling the Cape Town Cycle...
Made a donation - $1000.00 to Cycling the Cape Town Cycle...
Made a donation - R990.00 to Daniel Neely ORBIS Cycle fo...
1 December 2013
Cape Town, Western Cape
Foundation Registration nr: CH-550-1057849-5


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The Botwins — if we can still call them that — said farewell Sunday, with a Weeds series finale that a stoner might describe as... a total bummer, man.
For those who have stayed with Weeds over its eight ever-morphing seasons, it was a nice nugget of nostalgia to hear the original version of "Little Boxes" before the final hour. From there, we flashed eight-odd years into the future, as noted by Stevie's impending Bar Mitzvah. The finale featured several fun, but too-brief cameos from former cast members who breezed in and out as we stumbled toward the main question we hoped this finale might answer: Has Nancy (Mary-Louise Parker) learned from her mistakes? And if so, where does she go from here?
Read on to find out where Nancy — and everyone else — ended up:
When Lie to Me returns for its third season, Cal Lightman and his team of lie-detecting scientists will be freed from their ties to Ben Reynolds and the FBI.
But while the show's producers made that decision to allow Lightman (Tim Roth) to take on different kinds of cases, will the lack of checks and balances prove dangerous for the Lightman Group?
Lie to Me: End of the line for Lightman and Reynolds
"We are leaning into Lightman's general conflict with power and authority," executive producer Alexander Cary tells TVGuide.com. "In the first episode of Season 3, he goes too far. He sails extremely close to the wind...
Battlestar Galactica alum Tricia Helfer will guest-star on a Season 3 episode of Lie to Me, TVGuide.com has learned exclusively.
Fall Preview: Get scoop on your favorite returning shows
Helfer will play Naomi, who's attracted to Lightman (Tim Roth) despite being frustrated by the inability to hide anything from him. But when she calls on Lightman for protection from a violent ex-boyfriend, it's Lightman who begins to wonder if her beauty has impaired his lie-detecting skills...

domain: entertainment


STUNNING violinist Analiza Ching shows she’s as fit as a fiddle — as she poses
naked with her instrument.
Got Talent contestant, 29, wows the judges with her sex appeal and
musical skill tonight.
Analiza, who has been playing since she was four, wears high-heeled boots and
silver leopard-print leggings on the show.
After her audition, David Walliams says: “You make playing the violin sexy.”
Simon Cowell adds: “You’re super talented and exactly what we’re looking


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COVID-19 has disproportionately affected the African American community in the U.S. There have been more than a few high-profile African American doctors, including the surgeon general and the president of the Ohio State Medical Association, who have been in the media discussing this. But what I heard from them is more than a little disconcerting.
They have stated that discrepancy of health care is due to socioeconomic reasons. While this is a factor, it is known that the African American community overall has higher rates of obesity, high blood pressure and Type 2 diabetes. The latter two are affected by obesity, among other things.
It is also known that African Americans have a lower serum level of Vitamin D than other races, which has a significant role in the health of our immune systems. I would urge African Americans to talk to their doctors about whether they should be taking a multivitamin or supplement along with doing what they can to lower their weight and blood pressure issues if they are in those categories.
We already know that obesity, high blood pressure and Type 2 diabetes are high-risk factors for dealing with this virus, and people regardless of race should start addressing their issues.
My thoughts and prayers go out to all who have lost loved ones and who are affected by this by losing their jobs. And we all should be thankful and pray for all the front-line working heroes from the checkout lines to the medical workers.
Brad Pence, Columbus


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Primarily soybeans, sunflower seed, canola, rapeseed, safflower, flaxseed, mustard seed, peanuts and cottonseed, used for the production of cooking oils, protein meals for livestock, and industrial uses. These specific oilseeds are eligible for nonrecourse loans. Other oilseed crops include castor beans and sesame.
Selected Oilseed crops links:
|© 1997-2006 Healthboard.com. Healthboard.com is a purely informational website, and should not be used as a substitute for professional legal, medical or technical advice.|

domain: agronomy


WASHINGTON, DC – Senator Dan Coats (R-Ind.) today issued the following statement regarding comments made by Donald Trump about the military service of Senator John McCain (R-Ariz.):
“John McCain endured over five years in a Vietnamese prison camp in service to the country he loves. He turned down early release and still bears scars from the misery he suffered. Senator McCain is an American hero, period.
“In one of his books, Donald Trump writes, ‘If you stay silent, people will eventually make fools of themselves without your help at all.’ While candor is refreshing, The Donald’s bombastic comments about Senator McCain reveal what he is really all about: The Donald.”


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Wednesday 4 November 2015 18:58, UK
Former Arsenal and England captain Tony Adams has revealed he underwent life-saving heart surgery to alleviate a severely blocked vein.
Adams enjoyed a 19-year playing career, racking up 669 appearances and winning 10 major trophies with the Gunners before moving into management.
The 49-year-old began his management career with Wycombe Wanderers before spells in charge of Portsmouth and Azerbaijani club Gabala.
Adams, currently Gabala's director of football, says he recently began feeling pain whilst exercising and was quickly recommended to undergo tests in Azerbaijan's capital Baku.
Following the discovery of a blocked vein, Adams immediately underwent surgery and is now recuperating with his family in the United Kingdom.
"After feeling some acute chest pain whilst exercising in Azerbaijan, and liaising with Gabala club doctors, I went to the Medical Plaza Hospital in Baku where I was admitted for an angiogram, and then following diagnosis of a severely blocked vein, an immediate angioplasty," Adams said.
"The brilliant surgeons at the Medical Plaza did a fantastic job - as has been reiterated to me by my cardiologist in the UK.
"I know full well that without the brilliance of Dr Uzeyir Rahimov and his team I would not be alive now: a minor heart operation saved my life.
"I can't begin to thank Tale Heydarov and all at Gabala Football Club, as well as the cardiac unit at the Medical Plaza Baku enough.
"I would just like to say that if you, like me, have a history of heart disease in your family and you feel chest pains, get yourself to the doctor's now."
Arsenal sent a message of support to their former skipper, wishing him well as he begins his recovery.
"Everyone at Arsenal would like to wish the legendary Tony Adams the best of luck as he recovers from heart surgery," the club said via their official Twitter account.


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Consultation Paper |CP4/13 Credit risk: internal ratings based approaches March 2013 Consultation Paper |CP4/13 Credit risk: internal ratings based approaches March 2013 Adoption of legacy FSA material Along with a number of other pieces of legacy FSA material relevant to its objectives, it is intended that the material in this consultation paper will be adopted by the Prudential Regulation Authority (PRA) as a Supervisory Statement. This paper restates material which was originally communicated to firms in various forms by the FSA but does not represent a substantive change of policy. The PRA expects to review the content of this publication in due course. In particular, we will revisit the contents in the light of the forthcoming implementation of the Capital
Requirements Regulation (part of the CRD IV package) in the EEA to determine whether any changes are necessary. Loss given default (LGD) floor for retail mortgages In addition to material previously communicated by the FSA this consultation proposes that firms should maintain a 10% exposure weighted average residential mortgage LGD floor. This floor was initially set out in Section 264 of the Basel Accord to apply on a transitional basis for three years from implementation. In December 2009 the Basel Committee on Banking Supervision agreed to extend the floor indefinitely in the light of the volatility of some mortgage portfolios during the financial crisis. (1) Within EU law the floor was mandated by Article 154(4) of the Banking Consolidation Directive (2006/48/EC) until 31 December 2010 and this end date was subsequently extended until December 2012 by Directive (2010/76/EU). The floor and its extension were transposed in the United Kingdom through BIPRU TP 11.6. Article 160 of the Commission’s Proposal for the Capital Requirements Regulation (CRR) requires the floor to be applied. It is expected that the floor will be in force on a permanent basis following implementation of the CRR. There are currently nine firms that use the IRB approach for retail mortgages and consequently use mortgage LGD models to calculate capital requirements in the United Kingdom. Mortgage LGD models aim to predict losses in the event of a default in an economic downturn. Model uncertainty can arise from issues such as the price of properties being difficult to evaluate accurately in advance, or the possibility of a sudden unexpected change in the weighted average mortgage LGD of a firm, eg from a crash in the housing market. Therefore we consider that firms should continue to apply the LGD floor in advance of the implementation of the CRR as this would mitigate this risk of insufficient capital being held due to over-reliance on banks’ internal models, and hence mitigate risks to the PRA’s safety and soundness objective. (1) www.bis.org/publ/bcbs_nl14.htm. Equality and diversity issues The PRA has considered equality and diversity issues but has not identified any impacts arising from these proposals. Accordingly, the PRA has concluded that these proposals do not give rise to any equality and diversity issues. Consultation questions The PRA welcomes responses to the following questions: 1. Do you consider that the draft Supervisory Statement is presented in an appropriately clear manner? 2. Do you have any...
Website: www.bankofengland.co.uk | Filesize: 187kb
No of Page(s): 24
Download Credit risk: internal ratings based approaches - Bank of England.pdf

domain: law


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Cancer vaccines could be ready for use by 2030, say BioNTech founders
According to Uğur Şahin and Özlem Türeci, the founders of the German company BioNTech, mRNA vaccines that can help target cancer could be ready for use before the end of this decade, The Guardian has reported. The duo made this remark during their interview with BBC's Sunday with Laura Kuenssberg.
Founded in 2008, BioNTech has been working on mRNA technology to develop vaccines since its inception. In 2018, the company tied up with U.S. pharmaceutical giant, Pfizer inc., to develop influenza vaccines based on its technology. French pharmaceutical company, Sanofi, invested twice to gain access to its pipeline of cancer products.
BioNTech's big pivot
In 2020, when the COVID-19 pandemic broke out, BioNTech pivoted its focus and used its technological know-how to make a vaccine against the coronavirus. Before the year ended, BioNTech's BNT162b2 candidate demonstrated 91 percent efficacy in preventing the infection in those vaccinated with two doses. It was later granted emergency use authorization (EUA) in the U.K. and then in the U.S.
BioNTech's vaccine uses mRNA, a type of nucleic acid in the cells, to send instructions to call, which it uses to make proteins. In the case of COVID, the vaccine sent instructions to make the spike protein on the envelope of the coronavirus, which was detected by the immune cells in the body to launch a response against the invading virus.
Similarly, the technology can be used to train the immune cells to identify protein present in cancerous cells and then destroy them. BioNTech already has multiple cancer vaccine candidates in clinical trials and is hopeful that its COVID success will aid its cancer work as well.
BioNTech's pipeline of vaccines is broad and includes cancers of the bowel, skin, lung, head and neck, prostate, and ovaries. Some of the vaccines are in Phase 2 trials currently, and Özlem Türeci, BioNTech's chief medical officer, is hopeful that regulators can use the same processes used for the COVID vaccine to authorize cancer vaccines as well. Doing so would ensure that cancer vaccines can be made available to patients before 2030.
Waning interest in COVID vaccines
A scientist who has spent over 20 years on the technology, Türeci isn't certain that her company would have a cure for cancer but is hopeful that breakthroughs made in the area can be used to advance the cause.
With the coronavirus now becoming endemic, people, as well as governments, are no longer interested in vaccines the way they were in 2021. According to a Financial Times report, vaccine makers such as BioNTech and Moderna are expected to see a sharp drop in their revenues by as much as 33 percent over the next two years as a result of the waning interest.
In the U.S., the government will stop buying COVID shots next year, and jabs will be available in the private market. The average price of the jab is expected to double next year, and even though companies may charge up to $100 per shot, they will not be able to maintain the revenues highs the companies saw in the pandemic years.
With only their COVID vaccines commercialized so far, both BioNTech and Moderna are looking at their pipeline products to start bringing in revenues in the near future. Last week, Interesting Engineering reported how Moderna was tying up with Merck for its cancer vaccine.


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Chelsea: Chicago Cubs owners head consortium bid for European champions
Chelsea have been put up for sale by Roman Abramovich, and the Chicago Cubs owners have joined with Ken Griffin to bid.
The Chicago Cubs owners, the Ricketts family, and billionaire hedge fund tycoon Ken Griffin have partnered together to launch a bid to buy Chelsea.
Blues owner Roman Abramovich, who has been sanctioned by the United Kingdom government following Russia's invasion of Ukraine, is attempting to sell the Premier League club.
The deadline for bids is expected to be Friday, with a plethora of investors interested – including British billionaire and boyhood Blues fan Nick Candy.
The Ricketts family, who became major shareholders of Major League Baseball's Cubs in 2009, have reportedly combined with American Griffin to form a consortium capable of taking over at Stamford Bridge.
A widely reported statement from the Ricketts family on Wednesday confirmed their role in the bid and added: "As long-time operators of an iconic professional sports team, the Ricketts Family and their partners understand the importance of investing for success on the pitch, while respecting the traditions of the club, the fans and the community. We look forward to sharing further details of our plans in due course."
The Cubs' owners have overseen an impressive period of success at the franchise, both on and off the field.
Chicago ended a 108-year wait for World Series success in 2016 and completed a $1billion renovation of home ground Wrigley Field, a project which is thought to appeal to Chelsea fans demanding improvements to Stamford Bridge.
Abramovich, whose 19-year tenure at the London club is soon set to come to an end, had his British assets – including Chelsea – frozen last week and was disqualified as director of the club.
The Russian has owned Chelsea since 2003, with the club claiming 21 trophies during his spell at the helm.
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1 Killed in Ramona Car Crash on State Route 67 and Mussey Grade Road
Ramona, California (June 6, 2022) – One person died following a multi-vehicle collision in Ramona on Monday afternoon, according to the California Highway Patrol.
The wreck happened at around 4:15 p.m. on State Route 67 and Mussey Grade Road.
CHP said three vehicles were involved in the collision that occurred on the southbound lanes of SR 67.
1 Killed In Head-On Crash On Hwy. 67 In Ramona
One person was pronounced dead at the scene of the accident.
Further details on the incident were not immediately released.
The crash caused a closure of the southbound lanes of SR 67.
The CHP is working to determine the cause of the accident.


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MCA Stoned By Irate Citizens
Upper Savannah Ward MCA Bernard Bernard Amutavi was this morning stoned by irate citizens as he tried to quell the demonstrations that were going in Donholm.
The protesters barricaded roads and lit tyres on roads leading to Umoja and Donholm Estates over the poor status of the road.
The MCA who stood on his four wheel car to try to address the citizens was forced to embark on his vehicle after stones started flying from the crowd.
No injuries have however been reported.
The protestors claimed their elected officials including Amutavi have neglected them and have refused to implement their promises to the residents.


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Model Guidance: No Changes for the Week
My short-term Bull & Bear Portfolio consists of 10 equally-weighted long positions and 5 equally-weighted short positions. Both the long and short stocks are selected from the Dow Jones Industrial Average. If the Dow advances over the period in which my 15-Dow stock portfolio is open, the model will make money with the stocks that advance and will lose money with the stocks that decline. And the opposite will prevail for the short stocks. Each week, I will review the model portfolio for potential changes. If no changes are required, I’ll simply post no changes for the week. You can read more about my Bull & Bear Portfolio here.
|Symbol||Description||L / S||Initial Investment||Starting Price||Qty L/S||Prior Day Close||Current Price||Current Value||% Chg. Day||% Chg. Inception|
|AAPL US||Apple Inc||Long||10,000.00||165.70||60.34||187.00||187.00||11,283.49||0.00||12.83|
|CSCO US||Cisco Systems Inc||Long||10,000.00||44.10||226.81||43.50||43.50||9,857.11||0.00||-1.43|
|HD US||Home Depot Inc||Long||10,000.00||177.00||56.49||185.30||185.30||10,470.03||0.00||4.70|
|INTC US||Intel Corp||Long||10,000.00||51.50||194.06||54.80||54.20||10,523.97||-1.06||5.24|
|JPM US||Jpmorgan Chase & Co||Long||10,000.00||111.50||89.71||113.00||113.00||10,133.67||0.00||1.34|
|TRV US||Travelers Cos Inc/The||Long||10,000.00||136.80||73.08||130.70||130.70||9,552.76||0.00||-4.47|
|UNH US||Unitedhealth Group Inc||Long||10,000.00||235.10||42.54||243.00||243.00||10,336.08||0.00||3.36|
|UTX US||United Technologies Corp||Long||10,000.00||123.10||81.25||124.60||124.60||10,124.31||0.00||1.24|
|WMT US||Walmart Inc||Long||10,000.00||87.00||114.97||84.50||84.20||9,683.84||-0.31||-3.16|
|VZ US||Verizon Communications Inc||Long||10,000.00||47.90||208.77||47.90||47.90||9,989.56||0.00||-0.10|
|KO US||Coca-Cola Co/The||Short||-8,000.00||43.70||-182.90||42.30||42.30||-7,736.63||0.00||3.40|
|CVX US||Chevron Corp||Short||-8,000.00||122.30||-65.41||129.50||129.50||-8,467.66||0.00||-5.52|
|DWDP US||Dowdupont Inc||Short||-8,000.00||66.04||-121.14||68.16||68.16||-8,256.81||0.00||-3.11|
|MRK US||Merck & Co. Inc.||Short||-8,000.00||58.83||-135.99||59.07||59.07||-8,032.64||0.00||-0.41|
|IBM US||Intl Business Machines Corp||Short||-8,000.00||144.90||-55.21||144.50||144.50||-7,977.92||0.00||0.28|
Featured Company:Walmart (NYSE: WMT)
In July of 1962, Sam Walton opened the first Walmart in Rogers, Arkansas. After growing rapidly through the 1960s, Walmart went public in 1970, and Walton took his strategy of “the lowest prices anytime, anywhere,” national. In 1980, Walmart reached $1 billion in annual sales for the first time, faster than any company before it. By that time, the store had 276 locations and employed 21,000 associates. In 1983 the company opened its first Sam’s Club location in Midwest City, Oklahoma. In 1988, Walmart opened its first “Supercenter,” combining a full-scale supermarket with its general merchandise store for shopper convenience.
In the 1990s Walmart began its quest to go global. The first step was opening a Sam’s Club in Mexico City via a joint venture with the Mexican retail company Cifra. By 1993, only 23 years after its first $1 billion year, Walmart recorded its first $1-billion-week of sales. Walmart would continue to expand globally in the 90s, opening stores near and abroad in places like Canada and China.
By 2000, Walmart had 3,989 stores and had created its first online shopping experience, Walmart.com. In 2002 Walmart topped the Fortune 500 for the first time. By 2009 Walmart had reached $400 billion in annual sales.
Over the last eight years Walmart has made large expansions in India, South Africa and online. In China, Walmart purchased all of Yihaodian, an e-commerce business it had partially owned. During 2016, Walmart bought Jet.com, an American e-commerce website. Walmart also created a strategic alliance with JD.com, one of China’s largest e-commerce retailers. Recent news reports have said Walmart is attempting to buy India’s largest e-commerce business, Flipkart. The retailer’s directors have agreed to the deal, but it hasn’t been fully approved yet. Successful completion of the deal would give Walmart an advantage in the Indian market.
Today Walmart employs 2.3 million people in 28 countries. The company runs more than 11,700 stores and serves nearly 270 million customers each week. A recent initiative has expanded online grocery pickup to over 1,100 stores in the U.S., and will add another 1,000 in 2018, as well as locations in Canada, Mexico, and China. To better compete with online retailer Amazon.com, Walmart has also added free 2-day shipping to Walmart.com. Walmart has been paying its shareholders a dividend every year since 1973, and has been increasing those dividends every year for 41 years. Over the last ten years the average dividend growth rate at Walmart has been 11.56%. Shares yield 2.37% today.


New York state officials will help connect small, rural communities facing challenges with water infrastructure needs with experts to assist them under a program launched Wednesday by Gov. Kathy Hochul’s administration.
The program will include assistance teams from the New York State Environmental Facilities Corp. to provide either on-site or virtual consultations with communities to start planning, funding applications or help finish projections.
The program comes as New York over the last several years has sought to shore up clean water projects statewide. Hochul’s $227 billion budget proposal due at the end of March includes $500 million for clean water projects.
“Too many critical water systems have been neglected to a state of disrepair because communities don’t have the staffing, resources, or expertise to undertake these vital projects, but that stops today,” Hochul said. “With the $500 million allocated for clean water infrastructure in this year’s executive budget, my administration will continue to remove barriers preventing communities from getting the financial assistance they need to be able to access clean water for generations to come.”
The Environmental Facilities Corp. will work with the Department of Environmental Conservation and the Department of Health to deploy the assistance teams to rural communities. The effort also includes working with regional economic development councils and local groups to host information events and identify communities that have not received funding from the EFC for the last several years.
“Gov. Hochul’s State of the State initiative will be instrumental in helping all New York communities, regardless of size or location, access the record amounts of funding being made available to improve and construct water infrastructure,” said DEC Commissioner Basil Seggos. “Disadvantaged Communities shoulder a disproportionate burden of pollution and pairing them and our small towns and villages with State experts knowledgeable in navigating the funding process will help increase success in achieving clean water goals and build healthier, thriving neighborhoods.”
Why are the roads so craggy and broken? Why are the footpaths not walkable? Why is their sewage in the stormwater drain? To each of these questions, over the ye
CORNING — The city took one more step Tuesday night to bring water and sewer services to the west side of Interstate-5. The City Council unanimously approved
Baghdad (AFP) – Iraq on Saturday presented an ambitious plan to turn itself into a regional transportation hub by developing its road and rail in
Doha: Qatar’s thriving digital infrastructure offers huge opportunities through innovation and technological advancements. By establishing a robust digital


AOC monitors PDS241 and PDS271 created in collaboration with designers F. A. Porsche
Presents AOC monitors PDS241 and PDS271, the design of which was developed jointly by engineers of the company TPV Technology and designers Bureau F. A. Porsche. Such cooperation led to the creation of extremely slim monitors, the thickness of the display unit not exceeding 5.2 mm, and the thin frame of the screen are hidden under the glass cover and the display panel.
The functionality of the stand, as often happens in such goods, sacrificed in the design of the stand allows only tilt the monitor, but it comes with combo cable combines power cord and HDMI, which are separated in a separate box, and it is not possible to remove from sight. The idea is to minimize the number of cables on the desktop, because they can lubricate the impression of the idea of «bezremontnoy».
AOC monitors PDS241 and PDS271 are based on the panels AH-IPS a diagonal of 23.8 and 27 inches, only the diagonal lies the difference between them. Panel resolution of 1920 x 1080 pixels is characterized by a static contrast ratio of 1000:1, peak brightness of 250 CD/sqm and a response time of 4 MS. Besides stated coverage 100% color space sRGB and 90% of NTSC. Light with DC power eliminates visible to the eye pulsation, and the Low Blue Light feature reduces the amount emitted in the blue part of the spectrum of light. AOC displays PDS241 and PDS271 will be available in June at a price and 22300 16300 rubles, respectively.


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Come, bring your friends, and laugh at the ridiculousness of these retro VHS bits
If you thought the W.W.E. superstar couldn't get more ridiculous...think again.
Featuring a special screening of the iconic high school film.
90's Indie-rock darlings played Zanzabar Wednesday Night and here's what happened.
You should expect a lot of new music from these pop/rockers this year.
Sarah Allgeier wins the Derby Burger Challenge.
Its the end of an era for Louisvillians.
The Kentucky Humane Society made a Facebook post asking animal friendly businesses to welcome their foster ambassadors and animals, do you know any?
In a fast-paced, informative evening not to be missed, PechaKucha presenters will celebrate food in Louisville.
You can still get into this bracket, and feel good about the outcome, too.
Helmet brings "Betty" to Louisville.
Terry Rozier broke out of his slump in a major way.


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BOSTON, MASSACHUSETTS. Atrial fibrillation (AF) is the most common cardiac arrhythmia and its prevalence in the general population is increasing rapidly. There is substantial evidence that AF is associated with systemic inflammation as measured via C-reactive protein (CRP) level; however, until now it has not been clear whether inflammation causes AF or AF results in inflammation. Researchers at Harvard Medical School now provide conclusive evidence that systemic inflammation precedes the development of AF in women. Their study involved 24,734 women who were part of the ongoing Women's Health Study (WHS) begun in 1993. At baseline, the participants (female health professionals between the ages of 49 and 59 years) completed health questionnaires and had blood samples drawn for analysis of three biomarkers for inflammation – CRP, slCAM-1 and fibrinogen. NOTE: slCAM-1 is soluble intercellular adhesion molecule-1, an inflammatory molecule associated with atherosclerosis.
During the 14-year follow-up period, 747 women developed AF (94% lone AF). The researchers found a clear correlation between elevated inflammation markers at baseline and the risk of developing AF. Assigning 1 point each for CRP level above 3.4 mg/L (0.34 mg/dL), slCAM-1 level above 373 ng/mL, and fibrinogen level above 382 mg/dL, the researchers observed that women with 1 point had a 22% increased risk of developing AF compared to women with 0 points (none of the inflammation markers above the cut-off points). Women with a 2-point score had a 32% increased risk, and those with a 3-point score had a 59% increased risk after adjusting for possible confounding variables including smoking, blood pressure, body mass index, diabetes, hypercholesterolemia, exercise, alcohol consumption, and race/ethnicity. The actual number of newly diagnosed afibbers per 1000 person-years was 1.66 for an inflammation score of 0, 2.2 for a score of 1, 2.73 for a score of 2, and 3.25 for a score of 3.
The researchers conclude that, "markers of inflammation were independently associated with incident AF in initially healthy, middle-aged women, even after controlling for traditional risk factors. These findings suggest that inflammation may be involved in the pathogenesis of AF."
Conen, D, et al. A multimarker approach to assess the influence of inflammation on the incidence of atrial fibrillation in women. European Heart Journal, May 25, 2010 [Epub ahead of print]
Editor's comment: There is overwhelming evidence of an association between systemic inflammation and atrial fibrillation. The Harvard study clearly supports the hypothesis that inflammation causes AF rather than vice versa. Although this study in no way proves that existing afib can be reduced or eliminated by eliminating systemic inflammation, it certainly would be advisable to do so, preferably through the use of such natural anti-inflammatories as curcumin, bromelain, ginger, beta-sitosterol, boswellia, fish oil, Zyflamend or Moducare.


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The Bank of Fayette County
The Bank of Hardeman County
The Bank of McNairy County
The Bank of Mason
The Bank of Collierville
On behalf of our employees and the Board of Directors, I welcome you to our Bank. If you are a customer, we appreciate your business. If you are a potential customer, please allow us the opportunity to earn your business.
Since 1905 our Bank has served the financial needs of the citizens of Fayette County and the surrounding communities. We are committed to providing excellent customer service and competitive financial products. While financial products will constantly change, our commitment to you will not.
As a locally owned community bank, we are committed to investing in our communities.
As we enter our second century of service our motto still remains, “We Live Here, We Work Here, We Worship Here, We Serve Here...”
© 2019 The Bank of Fayette County. All Rights Reserved.
Memphis Web Design by Speak Sitemap


The evolution of a proven design, this everyday carry pocket knife stands up to the daily grind with all steel construction. Dual thumbstuds allow for ambidextrous opening and a durable frame lock can be operated with one hand.
A smart combination of two best-selling designs, the Airlift offers the durable steel frame of the Paraframe with the streamlined blade and handle design of the RipStop. The result is an everyday carry knife that is light in the pocket yet extremely resilient in use.
Ourdoors & Adventure
Frame Lock Safety
Designed in Oregon USA
Blade Material: 5Cr13 Stainless Steel
Blade Length: 7.1 cm (2.8”)
Overall Length: 17.7 cm (7.0”)
Weight: 90g (3.2 oz)
Handle Material: Stainless Steel
Lock Type: Frame lock
All steel construction for durability
Dual thumbstuds for easy opening
Traditional clip point blade tip
Frame lock for one-hand closing
Blade Type: Fine Edge
Please note that by purchasing this product you agree that you are over 18 years of age.
Aus Post Postage & Handling - $8.50 P&H Australia Post


Beyonce appears to have won over quite a few of the haters who were complaining about her lip-synching scandal at the inauguration with the insanely energetic, sweat-filled workout she gave us at the Super Bowl’s halftime show; Twitter and Facebook are teeming with posts about the performance, which has apparently sucked all the energy from the Superdome.
Perhaps it was the huge screens filled with images of multiple Beyonces, or the skin-tight outfit she was rocking, or the sudden appearance of Kelly Rowland and Michelle Williams onstage despite rumors that they wouldn’t be able to appear for the much-touted reunion, or the band full of lovely ladies, one of whom was playing a guitar that shot sparks from both ends…any one of those things could have easily caused a power outage. Of course, as soon as the lights went down, the internet lit up with comments, jokes, complaints, and speculation. Something this big happening at one of the biggest events of the year is bound to get people talking, and as fans start to squirm in their seats after nearly a half-hour of downtime, let’s check in to see what everyone’s saying.
Beyonce’s halftime show was so good she shut the Super Bowl DOWN! #ThatGirlCanSang
— Stacey King (@Sky21King) February 4, 2013
Best Halftime show ever. @beyonce was AMAZING. Wow. Wow. Wow. And yeah for Destiny’s Child 🙂
— JillandKate (@Jillandkate) February 4, 2013
— Run Like a Grl (@runlikeagrl) February 4, 2013
superbowl blackout? michelle must have tripped over some cables. knew she was gonna ruin it somehow
— YUNG BLK KHALEE$I (@leolovesrandom) February 4, 2013
— Stefanie Skinner (@stefskinner) February 4, 2013
— Rory Albanese (@RoryAlbanese) February 4, 2013
— Kevin Ryder(@thekevinryder) February 4, 2013
At least the Super Bowl isn't on Fox this year.This blackout could've turned into a Frank Caliendo special.
— Thomas Beisner (@thomasbeisner) February 4, 2013
So far, the Super Bowl has seen a brawl & a blackout. We're one loose tiger away from the fulfillment of Vince McMahon's vision for the XFL.
— Matt Hinton (@MattRHinton) February 4, 2013
The worst part of the Super Bowl blackout is the inevitable episode of Newsroom that Sorkin will write.
— Gerry Duggan (@GerryDuggan) February 4, 2013


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The Lower Township Rotary Club announced the winners of the 2012 Lower Township Rotary Christmas Holiday Home Decorating Contest.
First Place: Bob and Karen Greisbach, 425 Town Bank Road, North Cape May.
Second Place: Gino Crincoli, 400 Winslow Ave., North Cape May.
Third Place: Cheryl Ferguson, 312 Beechwood Ave., Villas.
Judging was done by past winners, community volunteers, local Rotarians and Athena Blanc, a French high school exchange student sponsored by Lower Township Rotary. Athena said, as she toured the township, "This would never happen in France, people don't decorate outside. It's so pretty, I love it."
The Lower Township Rotary thanks all those who entered this year's contest and brightened their community with the holiday spirit.


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He said the NPP will develop cardiovascular diseases after the Electoral Commission (EC) declares the victory of the presidential candidate of the NDC, John Mahama.
He said Ghanaians are fed up with the level of corruption, nepotism, and the practice of family and friends in the NPP administration.
Speaking on Accra-based Okay FM, Sammy Gyamfi said "Ghanaians will never forgive the NPP government for promoting corruption, nepotism and family-sharing government with the state resources.
"This campaign shows clearly that Ghanaians are fed up with Nana Akufo-Addo and his NPP government."
"Most Ghanaians know the truth about this government and they have decided to remain silent on it, waiting for December 7th to show them the exit with their votes...Some people will develop heart attacks in this country after this election because the ‘4 more mantras which are making the NPP feel they have won the election already, they will see that it was only a mirage and not a reality," he added.
Meanwhile, John Mahama has said the NPP-led government by President Nana Addo Dankwa Akufo-Addo is a scam.
According to him, promises made by the President in 2016 to implement have not been fulfilled.
"This is the greatest political sakawa that has ever happened," he said.
Addressing NDC supporters at Navrongo during his tour of the Upper East Region, he said "If you vote for a government and it comes into power and the quality of your life is going in reverse then you have to vote the government out."
Mahama also promised to pay all contractors owed by the NPP government, improve the quality of food offered to students when he wins the 2020 December 7 elections.


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Historic Name: GUY AND ROSE WALWORTH HOUSE
Reference Number: 378
County: Green Lake
Historic Name: NIGBOR BLK [NRHP]
Reference Number: 48680
Historic Name: Clarence J. & Lillian McElrath Residence
Reference Number: 37801
Description: A group of men and women stand outside the New Home School to listen as Professor Clark speaks on the subject of diversified farming. He uses a pointer to...
Historic Name: C. W. Duhring House
Reference Number: 84331
Historic Name: Rossi & Maramonte ( Mill Housing? )
Reference Number: 101939
Reference Number: 113240
Community: Port Washington
Historic Name: Michael Fuchs Residence
Reference Number: 104110
Date: 1918 ca.
Description: A group of children walking up a grassy hill together, with text that reads "The health of the child is the power of the nation". Created for the United St...
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domain: library


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Hot air dryer with wasted heating recovery type for industrial use
Certificates: Venture Enterprise,ISO 9001 /14001 / CE(COC), Inno Biz, Green Technology, etc.
- Patents: 4 (Korea), 2 (Japan), 2 (China), EU, etc.
- Export: 1,500 units in 8 countries.
- Energy saving effects: Up to 80%, Increases of productivity, efficiencies of drying and dust collector.
- Nominated an Energy saving facility support in Korea Energy Agency.
- Nominated an Energy saving facility support in Japan government

domain: economics


Telephone +39 0535 23653
Fax +39 0535 27443
Trade fair hall
Solvent dispensers, solvent recovery systems
Sourcing and management
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