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Senate Bill 164 (SB 164) enacts the Student Loan Bill of Rights Act. SB 164 provides for a student loan servicer’s license and delineates the duties of a student loan service. SB 164 gives administrative responsibility and enforcement power to the financial institutions division the regulation and licensing department. SB 164 provides for discharge of private education loans upon a showing of permanent disability. SB 164 requires that alternative repayment options be offered to borrowers equally; provides for right for cosigners, including notice and access to information; provides for cosigner release; and prohibits certain acceleration of private education loans. SB 164 creates the position of ombudsman. Defines certain violations of the Student Bill of Rights as unfair and unconscionable trade practices; creates a private right of action; and provides penalties. SB 164 creates the Student Loan Bill of Rights Fun. Makes an appropriation.
Senate Bill 164 (SB 164) enacts the Student Loan Bill of Rights Act. SB 164 provides for a student loan servicer’s license and delineates the duties of a student loan service. SB 164 gives administrative responsibility and enforcement power to the financial institutions division the regulation and licensing department. SB 164 provides for discharge of private education loans upon a showing of permanent disability. SB 164 requires that alternative repayment options be offered to borrowers equally; provides for right for cosigners, including notice and access to information; provides for cosigner release; and prohibits certain acceleration of private education loans. SB 164 creates the position of ombudsman. Defines certain violations of the Student Bill of Rights as unfair and unconscionable trade practices; creates a private right of action; and provides penalties. SB 164 creates the Student Loan Bill of Rights Fun. Makes an appropriation. SECTION 1. SHORT TITLE.--Sections 1 through 27 of this act may be cited as the Student Loan Bill of Rights Act (Act). SECTION 2. DEFINITIONS.--As used in the Act. SECTION 3. LICENSE REQUIRED--EXEMPTIONS.-- A. A person shall not act as a student loan servicer (servicer) without first obtaining a license from the division pursuant to the Student Act, unless that person is exempt from licensure pursuant to Subsection B of this section. B. The following persons are exempt from licensing requirements pursuant to the Student Loan Bill of Rights Act: (1) a bank or credit union; (2) a wholly owned subsidiary of a bank or credit union; (3) an operating subsidiary of a bank or credit union where each owner of the operating subsidiary is wholly owned by the same bank or credit union; and (4) the higher education department. SECTION 4. LICENSE APPLICATION-- INVESTIGATION--LICENSE ISSUANCE.-- A. A person seeking to act as a servicer shall make a written application to the director for an initial license in a form prescribed by the director. The application shall include the information specified in this subsection. B. The director may periodically change the amount of one or more of the fees in Subsection A of this section, but in no case more than the initial fees. C. The director may require or allow applications to be made electronically through the nationwide multi-state licensing system and registry. An applicant using that system shall pay all required processing fees for the system. D. Upon the filing of an application for an initial license and the payment of required fees, the director shall investigate the financial condition and responsibility, the financial and business experience and the character and general fitness of the applicant. E. The director may conduct a state and national criminal history records check of the applicant and of each partner, member, officer, director, trustee, fiduciary and principal employee of the applicant. F. The director shall issue a license for a student loan servicer pursuant to the Student Loan Bill of Rights Act if the director finds that all qualifications indicated in this subsection are met. SECTION 5. AUTOMATIC ISSUANCE OF LICENSE FOR FEDERAL STUDENT LOAN SERVICING CONTRACTORS.-- A. A person seeking to act as a servicer is excepted from the application procedures described in Subsection A of Section 4 of the Act upon a determination by the director that the person's student loan servicing performed in this state is conducted pursuant to a contract awarded by the United States secretary of education pursuant to 20 U.S.C. Section 1087f (Contract). The director shall prescribe the procedure to document eligibility for the exception. B. A person deemed excepted by the director pursuant to this section shall, upon payment of the fees required by Act, automatically be issued a license by the director and shall be considered by the director to have met all requirements set forth in the Act. C. A person issued a license pursuant to this section is excepted from the requirements of the Act as described in this subsection. A person licensed pursuant to this section shall comply with the record retention requirements of the Act except to the extent that the requirements are inconsistent with federal law. D. A person issued a license pursuant to this section shall provide the director with written notice within seven days following notification of the expiration, revocation or termination of a Contract. The person has 30 days following notification to satisfy all requirements established under the Act in order to continue to act as a servicer. At the expiration of the 30 day period if the requirements have not been satisfied, the director shall immediately suspend a license granted to the person pursuant to this section. E. With respect to student loan servicing not conducted pursuant to a Contract, nothing in this section prevents the director from issuing or filing a civil action for an order to temporarily or permanently bar a person from acting as a student loan servicer or violating applicable law. SECTION 6. LICENSE EXPIRATION--LICENSE SURRENDER--LICENSE RENEWAL--LICENSE SUSPENSION--INFORMATION UPDATE--LICENSE ABANDONMENT--NO ABATEMENT OF FEES.-- A. A license issued pursuant to the Act shall expire at midnight on December 31 of the year following its issuance, unless renewed or earlier surrendered, suspended or revoked. B. Not later than 15 days after a licensee ceases to engage in the business of student loan servicing, the licensee shall provide written notice of surrender to the director and shall surrender to the director its license for each location in which the licensee has ceased to engage in the business of student loan servicing and containing the information specified in this subsection. The surrender of a license does not reduce or eliminate the licensee's civil or criminal liability arising from acts or omissions occurring prior to the surrender of the license. C. A license may be renewed for the next twelvemonth period upon the filing of an application containing all required documents and fees required by the Act as for an initial license. If an application for a renewal license has been filed with the director on or before the date the license expires, the license sought to be renewed shall continue in full force and effect until the director issues the renewed license or the director has notified the licensee in writing of the director's refusal to renew the license. The director may refuse to renew a license on any ground upon which the director may refuse to issue an initial license. D. If the director determines that a check to pay a renewal fee has been dishonored, the director shall automatically suspend the license. The director immediately shall give the licensee notice of the automatic suspension by any practicable means and initiate proceedings for revocation or refusal to renew and an opportunity for a hearing on that action pursuant to the Uniform Licensing Act. E. The applicant or licensee shall notify the director, in writing, of any change in the information provided in its initial application for a license or its most recent renewal application for that license not later than ten business days after the occurrence of the event that results in that information becoming inaccurate. F. The director shall deem an application for a license abandoned if the applicant fails to respond to a request for information required by the Act. The director shall notify the applicant, in writing with a deadline as specified when the application shall be deemed abandoned. An application filing fee paid before the date an application is deemed abandoned pursuant to this subsection shall not be refunded. Abandonment of an application does not preclude the applicant from submitting a new application for a license pursuant to the Act. G. A license fee paid pursuant to the Student Loan Bill of Rights Act shall not be abated. SECTION 7. LICENSEE NAMES AND LOCATIONS-- TRANSFERABILITY--ASSIGNABILITY.-- A. A servicer shall not service student education loans under a name or at a place of business other than as listed in the license. A change of a place of business shall require prior written notice to the director. Not more than one place of business shall be maintained under the same license, but the director may issue more than one license to the same licensee that is in compliance with the provisions of the Act. B. A license for a servicer is not transferable or assignable. SECTION 8. RECORD RETENTION.— A. All private education lenders and servicers shall maintain adequate records of each student education loan transaction for at least six years following the final payment on a student education loan or the assignment of a student education loan, whichever occurs first, or a longer period the director may require. B. Within five business days of receipt of a request for student education loan records from the director, a private education lender or student loan servicer shall make the records available to the director, or shall send the records to the director by registered or certified mail, return receipt requested, or by any express delivery carrier that provides a dated delivery receipt. Upon request, the director may grant a licensee additional time to make the records available or send the records to the director. SECTION 9. STUDENT LOAN SERVICERS.--Except as otherwise provided in federal law, a federal student education loan agreement or a contract between the federal government and a servicer, a servicer shall comply with the requirements specified in this section. A. upon receipt of a written inquiry from a student loan borrower (borrower) or the representative of a student loan borrower, a servicer shall respond as specified in this subsection. B. a servicer shall inquire of a borrower how to apply an overpayment or prepayment to a student education loan and follow other directions as in this subsection. For purposes of this subsection, "overpayment" or "prepayment" means a payment on a student education loan in excess of the monthly amount due from a borrower on a student education loan; C. in the absence of a direction provided by a borrower pursuant to Subsection B of this section, a servicer shall allocate an overpayment on a student loan account in a manner that is in the best financial interest of a borrower. D. in the absence of a direction provided by a borrower pursuant to Subsection B of this section, a servicer shall apply a partial payment or underpayment in a manner that minimizes late fees and negative credit reporting. E. as a condition of the sale, assignment or transfer, the servicer shall require the new student loan servicer to honor all benefits originally represented as available to the borrower during the repayment of the student education loan and preserve the availability of those benefits. F. a servicer that obtains the right to service a student education loan shall adopt policies and procedures to verify that the servicer has received all information regarding the borrower, the account of the borrower and the student education loan of the borrower. The director may investigate these policies and procedures; and G. a servicer shall inform the borrower about the availability of a repayment program based on income prior to placing the borrower in forbearance or default, if a repayment program based on income is available to the borrower. SECTION 10. STUDENT LOAN SERVICERS-- PROHIBITED ACTS--UNFAIR TRADE PRACTICE--LIABILITY.-- A. A servicer shall not defraud or mislead the borrower; engage in unfair or deceptive trade practice; or engage in abusive acts or practices as listed in this subsection. B. A violation of this section is an unfair or deceptive trade practice and an unconscionable trade practice pursuant to the Unfair Practices Act and is subject to the enforcement and penalty provisions contained in that act. C. A servicer that commits an act prohibited by this section with respect to a borrower is liable in an amount as specified in this subsection. D. The remedies provided in this section are not the exclusive remedies available to a borrower, nor must the borrower exhaust any administrative remedies provided in this section or any other applicable law before proceeding pursuant to this section. SECTION 11. DISABILITY DISCHARGE.-- A. A private education lender or servicer acting on behalf of a private education lender, when notified of the total and permanent disability of a borrower or cosigner, shall release any cosigner from the obligations under a private education loan. The lender shall not attempt to collect a payment from a cosigner upon notice of total and permanent disability of the cosigner or borrower. B. A lender shall notify a borrower and cosigner for a private education loan if either the cosigner or borrower is released from the obligations of the private education loan under this section within 30 days of the release. C. Any lender that extends a private education loan shall provide the borrower an option to designate an individual to have the legal authority to act on behalf of the borrower with respect to the private education loan in the event of the total and permanent disability of the borrower. D. In the event a cosigner is released from the obligations of a private education loan pursuant to Subsection A of this section, the lender shall not require the borrower to obtain another cosigner on the loan obligation. E. A lender shall not declare a default or accelerate the debt against the borrower on the sole basis of the release of the cosigner from the loan obligation. F. A lender shall, when notified of the total and permanent disability of a borrower, discharge the liability of the borrower and cosigner on the loan. G. After receiving a notification described in Subsection F of this section, the lender shall not attempt to collect on the outstanding liability of the borrower or cosigner or monitor the disability status of the borrower at any point after the date of discharge. SECTION 12. AVAILABILITY OF ALTERNATIVE REPAYMENT OPTIONS.-- A. If a private education lender offers any borrower flexible or modified repayment options in connection with a private education loan, those flexible repayment options shall be made available to all borrowers of loans by the lender and shall make that information available as required in this subsection. B. A private education lender or a servicer acting on behalf of a private education lender shall consistently present and offer flexible or modified private education loan repayment options to borrowers with similar financial circumstances if the lender offers such repayment options. SECTION 13. NOTICES REQUIRED AT ORIGINATION.-- A. Prior to the extension of a private education loan that requires a cosigner, a private education lender shall deliver the information to the cosigner as specified in this subsection.: B. Prior to offering a person a private education loan that is being used to refinance an existing education loan, a private education lender shall provide the person a disclosure that benefits and protections applicable to the existing loan may be lost due to the refinancing. C. The information provided pursuant to this section shall be provided on a one-page information sheet in a twelve-point font and shall be written in simple, clear, understandable and easily readable language as provided in P.L.1980, c.125 (C.56:12-1 et seq.). SECTION 14. COSIGNER RELEASE.-- This section provides that a lender shall provide the borrower and the cosigner an annual written notice containing information about cosigner release, including the administrative, non-judgmental criteria the lender requires to approve the release of the cosigner from the loan obligation and the process for applying for cosigner release. The subsections provide specific details of the requirements for the lender’s communications and actions dealing with a cosigner’s release, including when the payment requirement to be eligible for a cosigner release has been met. Also provides that a lender shall not cause harm or abuse to a student loan borrower. Provides for records management. SECTION 15. INFORMATION AVAILABLE TO COSIGNERS.-- A. A lender shall provide a cosigner with access to all documents or records related to the cosigned private education loan that are available to the borrower. B. If a lender provides electronic access to documents and records for a borrower, the lender shall provide equivalent electronic access to the cosigner. C. Upon written notice from the borrower or cosigner, the lender shall redact or withhold contact information for the borrower and cosigner. SECTION 16. PROHIBITIONS ON THE ACCELERATION OF PRIVATE EDUCATION LOANS.-- Prohibits a private education lender from accelerating the payments on a loan except in cases of payment default, and only if the accredited payments are explicitly authorized in the agreement and only for the reasons stated in the agreement. This section provides that a lender shall not attempt to collect against a cosigner’s estate. Also provides that the lender shall not change any terms under the note, repayment schedule, or monthly payment amount. A lender shall not place any private loan or account into default or accelerate a private loan while a borrower is seeking a private loan modification or enrollment in a flexible repayment plan, except that a lender may place a private loan or account into default or accelerate a private loan for payment default ninety days following the borrower's default. SECTION 17. PRIVATE EDUCATION LENDERS-- PROHIBITED ACTS.-- A. A private education lender shall not: offer any private education loan that is not in conformity with the Act or that is in violation of any other state or federal law and shall not engage in the list of practices in this subsection. B. A violation of this section is an unfair or deceptive trade practice and an unconscionable trade practice pursuant to the Unfair Practices Act and is subject to the enforcement and penalty provisions contained in that act. C. A private education lender that commits an act prohibited by this section with respect to a student loan borrower is liable in an amount as specified in this subsection. D. The remedies provided in this section are not the exclusive remedies available to a student loan borrower or cosigner, nor must the borrower exhaust any administrative remedies provided in this section or any other applicable law before proceeding pursuant to this section. SECTION 18. POWERS OF THE DIRECTOR.— A. The director may conduct investigations and examinations for purposes of initial licensing, license renewal, license suspension, license revocation or termination, or for general or specific inquiry or investigation, to determine compliance with the Act. The director may access, receive and use any documents, information or evidence the director deems relevant to the inquiry or investigation regardless of the location, possession, control or custody of those documents or that information or evidence. B. For the purposes of investigating violations or complaints arising pursuant to the Act or for the purposes of examination, the director may review, investigate or examine the activities of any private education lender or servicer as often as necessary to carry out the purposes of that act. The director may direct, subpoena or order the attendance of and examine under oath a person whose testimony may be required about the student education loan or the business or subject matter of the examination or investigation and may direct, subpoena or order the person to produce books, accounts, records, files and any other documents the director deems relevant to the inquiry. C. In making an examination or investigation authorized by the Act, the director may control access to any documents or records of the servicer licensee or person under examination or investigation related to the student education loan. The director may take possession of the documents and records or place a person in exclusive charge of the documents and records in the place where the documents and records are usually kept. During the period of control, a person shall not remove or attempt to remove any of the documents and records except pursuant to a court order or with the consent of the director. Nothing in this subsection shall be construed as limiting the student loan borrower's access to the borrower's own account records. D. To fulfill the duties imposed by this section and to carry out the purposes of this section, the director may employ any professionals needed; enter into agreements with other government officials or regulatory associations; use or employ available analytical systems; and accept audit reports made by an independent certified public accountant for the student loan servicer, private education lender or person subject to the Act . E. A servicer, private education lender or person subject to investigation or examination under this section shall not knowingly withhold, abstract, remove, mutilate, destroy or secrete any books, records, computer records or other information. F. The costs of an investigation conducted by the director shall be paid by the servicer, private education lender or person being investigated. SECTION 19. ENFORCEMENT BY DIRECTOR.-- A. To ensure the effective supervision and enforcement of the Act and in accordance with the procedures provided in the Uniform Licensing Act, the director may: deny suspend, revoke or decline to renew a license and issue orders or directives as specified in this subsection. B. The director may impose an administrative penalty on a servicer if the director finds that the servicer has violated or failed to comply with any requirement of the Act or any rule promulgated by the director pursuant to that Act or any order issued pursuant to that act. The maximum amount of penalty for each act or omission shall be $5,000. SECTION 20. JUDICIAL ENFORCEMENT.-- A. Upon a showing by the director that a person has violated, or is about to violate, the Act or any rule or order of the director pursuant to that act, the district court of the first judicial district or other appropriate district court in the state may grant or impose one or more of the following: (1) a temporary restraining order, permanent or temporary prohibitory or mandatory injunction or a writ of prohibition or mandamus; (2) a civil penalty up to a maximum of $5,000 for each violation; (3) declaratory judgment; (4) restitution to student loan borrowers or cosigners; (5) recovery by the director of all costs and expenses for conducting an investigation or the bringing of any enforcement action pursuant to the Act; or (6) other relief as the court deems proper. B. In determining the appropriate relief, the court shall consider administrative enforcement actions taken and imposed by the director pursuant to the Act in connection with the transactions constituting violations of that act. C. The court shall not require the director to post bond in an action pursuant to this section. SECTION 21. CRIMINAL PENALTIES.-- A. An individual who acts as a servicer without being properly licensed pursuant to the Act is, for a first offense, guilty of a misdemeanor and upon conviction shall be sentenced in accordance with the provisions of Subsection A of Section 31-19-1 NMSA 1978. B. In the case of a conviction pursuant to Subsection A of this section, the court may impose a deferred sentence in accordance with Section 31-20-6 NMSA 1978. C. An individual who violates Subsection A of this section is, for a second or subsequent offense, guilty of a fourth degree felony and upon conviction shall be sentenced in accordance with the provisions of Section 31-18-15 NMSA 1978. SECTION 22. COMPLIANCE WITH FEDERAL LAW.-- A servicer licensee shall comply with all applicable federal laws and regulations relating to federal student loan servicing. B. A private education lender shall comply with all applicable federal laws and regulations relating to the lending of servicing of private education loans. SECTION 23. PROMULGATION OF RULES.— The director may promulgate rules and make reasonable orders necessary to implement the Act. A copy of every rule and of every order containing requirements of general application shall be mailed to each licensee not less than 15 days before the effective date of the rule or order. SECTION 24. STUDENT LOAN OMBUDSMAN-- DUTIES--ANNUAL REPORT.-- A. The director shall designate a student loan ombudsman within the division to provide timely assistance to student loan borrowers. B. The student loan ombudsman, in collaboration with the office of the attorney general and the Higher Education Department (HED) perform the duties as specified in this subsection. C. The division, including the student loan ombudsman, the office of the attorney general and the HED, or their designees, shall meet at least once per quarter to coordinate their efforts under Subsection B of this section. D. On or before July 1, 2022, the student loan ombudsman, in collaboration with the office of attorney general and the HED, shall establish and maintain a student loan borrower education course that includes educational presentations and materials regarding student education loans, including specifics as specified in this subsection. E. On or before December 1, 2023, and annually thereafter, the director shall submit a report to the appropriate legislative interim committee. Annual reports shall be made available to interested parties and the general public and published on the division's website and on the sunshine portal. Consistent with state law, the report shall include, at a minimum, non-identifying consumer data from the preceding calendar year, including the information specified in this subsection. SECTION 25. INFORMATION SHARING.--By July 31, 2022, the division, the student loan ombudsman, the office of the attorney general and the HED shall enter into an agreement to allow for the sharing of all necessary information. SECTION 26. PRIVATE ACTION.-- A. A person who suffers damage as a result of the failure of a servicer to comply with a provision of the Act may bring an action in district court against that servicer. B. In addition to any other remedies provided by this section or otherwise provided by law, whenever it is proven that a servicer has engaged in conduct that substantially interferes with a borrower's right to an alternative payment arrangement; loan forgiveness, cancellation or discharge; or any other financial benefit as established under the terms of a borrower's promissory note or under the federal Higher Education Act of 1965, the court shall award treble actual damages to the plaintiff, but in no case shall the award of damages be less than one $1,500 per violation. C. The remedies provided in the Act are not intended to be the exclusive remedies available to a person suffering damage due to the non-compliance of a student loan servicer, and the person shall not be required to exhaust administrative remedies established pursuant to the Act or any other applicable law prior to bringing a private right of action. SECTION 27. STUDENT LOAN BILL OF RIGHTS FUND--CREATED--PURPOSE--APPROPRIATION.-- A. The Student Loan Bill of Rights Fund (Fund) is created as a nonreverting fund in the state treasury and shall be administered by the division. The Fund consists of fees collected by the division pursuant to the Act and money that is appropriated or donated or that otherwise accrues to the fund. Income from investment of the Fund shall be credited to the Fund. B. Money in the Fund is appropriated to the division to carry out the provisions of the Act. C. Expenditures from the Fund shall be made on warrants drawn by the secretary of finance and administration pursuant to vouchers signed by the director or the director's authorized representative. SECTION 28. Amends Section 57-12-2 NMSA 1978 (being Laws 1967, Chapter 268, Section 2, as amended) DEFINITIONS.--as used in the Unfair Practices Act. Subsection D inserts: or (20) violating Section 17 of the Student Loan Bill of Rights Act; and Subsection E inserts: (3) violates Section 17 of the Student Loan Bill of Rights Act." SECTION 29. APPLICABILITY.--The provisions of Section 11 of this act apply to private education loans issued on or after January 1, 2022. SECTION 30. EFFECTIVE DATE.--The effective date of the provisions of this act is January 1, 2022.

domain: finance


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People who are emotionally healthy are in control of their thoughts, feelings and behaviors. They feel good about themselves and have good relationships. They can keep problems in perspective.
Your body responds to the way you think, feel and act. This is often called the “mind/body connection.” When you are stressed, anxious or upset, your body tries to tell you that something isn’t right. For example, high blood pressure or a stomach ulcer might develop after a particularly stressful event, such as the death of a loved one. These are physical manifestations of physological problems.
Poor emotional health can weaken your body's immune system, making you more likely to get colds and other infections during emotionally difficult times. Also, when you are feeling stressed, anxious or upset, you may not take care of your health as well as you should. You may not feel like exercising, eating nutritious foods or taking medicine that your doctor prescribes. Abuse of alcohol, tobacco or other drugs may also be a sign of poor emotional health.
First, try to recognize your emotions and understand why you are having them. Sorting out the causes of sadness, stress and anxiety in your life can help you manage your emotional health.
Secondly, express your feelings, try to live a balanced life. eat healthy, exercise often, keep a positive view of yourself. Accept change calm your mind and body with relaxation techniques and most importantly have a good social network to share your feelings and get out and enjoy life.
For more information about Dr. Jason Peloquin, please visit his website at: www.HandsofGoldChiropractic.om

domain: medical


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Russ Smith closed out his college career averaging 18.5 points, 3.3 rebounds, 3.7 assists, and 2.0 steals per game in his final two seasons at Louisville before entering the 2014 NBA Draft with high hopes of being drafted. He even won an NCAA championship with the Cardinals in 2013 playing alongside current Minnesota Timberwolves forward Gorgui Dieng and LA Clippers forward Montrezl Harrell.
Smith was selected 47th overall by the Philadelphia 76ers and ended up on the Memphis Grizzlies, but never really got his chance as guard Beno Udrih played the majority of the games and minutes behind star guard Mike Conley.
Smith ended up leaving the NBA to pursue better opportunities for himself to flourish overseas in China, and boy did he absolutely dominate. According to HoopsHype, no player had ever averaged more than 45 points per game in the Chinese National Basketball League until Smith averaged an absurd 61.2 points per game this past season.
Smith spoke to Dennis Chambers of Basketball Insiders, where he discussed a bit of frustration at not being on an NBA roster as of right now.
“I really think it’s BS that I’m not on an NBA roster, to say the least,” said Smith. “There’s no way that I can look 30 teams in the NBA, in the states, and I can go, ‘All 13 guys on this roster is better than me.’ I can’t believe that.”
Smith added more as to why he believes he’s deserving of an NBA roster spot, taking a jab at some of today’s point guards believing that he’s fully capable of playing better in their position.
“There’s point guards and guards in the league that can’t create shots for others, and they need a ball-screen,” Smith added. “Or that they can’t push the ball, they’re not fast enough. And it sucks because I feel like I’m all of those things, but they’d rather have those guys because they’re easier to manage.”
Likely the biggest issue for Smith is that he’s aiming to play in a time when the NBA is a strong point guard’s league, being absolutely dominated by the likes of Russell Westbrook, Stephen Curry, John Wall, Chris Paul, Kyrie Irving, Damian Lillard, and many more. He should certainly be given another opportunity as a backup for an NBA team, but he’ll have to make the most of his brief opportunities to show franchises that he’s capable of being the guard they’re looking for.

domain: news


D-LiteX-Slim 12W (Square)
D-Lite X-Slim is a surface mounted down lighter. It is replacement of 2x20 Watt CFL and used for indoor lighting with Energy saving of more than 60%.
- Surface mounted fixture
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- Weight 0.6 Kg.
CharacteristicsShape: Down Light Round/Square Fixture Color: White Mounting: Surface Voltage: 90-270 V AC Dimmable: No IP: 40
DurabilityLife of Lamp: 25000 Hrs Lumen Maintenance Factor: 0.7 Average Life (at 8 hrs/day) : >5 years
Power ConsumptionWattage equivalent: 2x15 Watt CFL
LED Down light Wattage: 12 Watt
Power consumption per 1000 h: 12 KW.h
Light CharacteristicsLumen Output: >700 Lm
LED Color: CW/NW/WW
CCT: 3000-6500 K
Beam angle: 120°-140°


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Battle to replace Ninkovich
Pair of rookies join fray to replace recently retired linebacker
FOXBORO — When Tom Brady walked out on the field and got under center on Tuesday, the defensive line in front of him looked a lot different. Mainstays like Trey Flowers and Malcom Brown were there, but next to them were rookies Deatrich Wise and Harvey Langi.
For the bulk of the practice, Wise, a fourth-round pick, and Langi, an undrafted free agent, rotated in with the starters and went up against Brady. Langi saw time at linebacker and defensive end. Wise saw time at defensive end and defensive tackle. After the pair played with the starting defense again on Wednesday, it seems like the position battle to replace Rob Ninkovich grew by a few names this week.
It’s obvious that these rookies are trying to keep their heads above water, but it’s also clear that the Patriots coaching staff likes what they see.
“There’s opportunities every day — every day to prove myself,” Wise said. “I know [Ninkovich] did retire, but it’s still going to be competition and I just want to show the coaches what I can do and how I can contribute. Hopefully I show them that this camp.”
“I just come out to practice and whatever the coaches ask me to do I’m trying to do it my best,” Langi added. “I have a lot of work to do. Lots of work. That’s all that matters to me.”
The recent development with Wise and Langi has been one of the most surprising events at camp so far. Geneo Grissom started opposite of Flowers for the first four days, but all of a sudden, the two rookies are getting a shot to play a bigger role in the Patriots defense.
On Wednesday, Langi played mainly at defensive end. Although there were times where Wise played alongside him at tackle, the lineman also played on the edge with the starters. Versatility is key with both young players. Wise played both inside and out on the Arkansas defensive line in his collegiate career. Langi played defensive end last season at BYU, but was at linebacker the year before.
Seeing Langi with the starters certainly has been eye-opening. It’s not unusual to see rookies with the starters, but it’s very unusual to see an undrafted free agent with the first team this early in camp. Langi was linked to the Patriots throughout the draft process and although they didn’t draft him, they gave him one of the largest contracts for an undrafted player ($115,000 in guaranteed money) in recent memory.
On Wednesday, Belichick said the team is trying to figure out if Langi is better served at one position or multiple.
“He’s certainly learning that the more you do, the more there is to learn, the more communication there is, the more adjustments there are. So, we’ll see how it goes,” Belichick said. “Yeah, you’ve seen him at different spots. We’re looking at him in different roles. Certainly, he’s a good guy to work with, but how it all falls into place for him is going to be probably determined over the next two to three weeks.”
It’s more clear cut for Wise and it seems like the Patriots will use him all over the defensive line. At 6-foot-5, 271 pounds, he has great length that made Belichick reminisce about lengthy defensive linemen like Richard Seymour and Chandler Jones.
“It’s a big advantage for him,” Belichick said. “If he can play with good pad level and use his length, not have it used against him, which I’d say he’s been able to do as a football player through his career in college and so forth. Even in a few days here, we’ve seen examples of that, but we’ll see more of that going forward.”
Langi and Wise look like they’re ahead of multiple veterans — Grissom and Kony Ealy — at this point. Of course, that could all change in a flash during training camp. Right now, the two rookies are soaking it up.
“I just love playing the game and just being on defense, especially with a lot of the guys I get to play with — man, it’s just an experience and a half,” Langi said.
“To me, I feel like I can compete with whoever, anyone, definitely with the help of my coaches and teammates,” Wise added. “I’ve always had a mindset of whoever is in front of me, I’ll give it my best.”
— Mark Daniels writes for the Providence Journal of GateHouse Media.

domain: sports


text: Need a place to stretch your arms? You will have more than enough space on this sprawling 20+ acre property that is cleared with a 4,400+ square foot ranch style home that has been completely remodeled and updated. All this square footage is on one story which allows for tasteful high ceilings throughout the living spaces. The home features 6 large bedrooms and 3 oversized full bathrooms, 3 car garage, 2 laundry rooms (one on each side of the house), open kitchen and living room combo, a massive bonus room with a wet bar to entertain your guests. All living areas have been upgraded with wood look LVP flooring, upgraded lights, quartz countertops in the kitchen, wet bar and bathrooms. All bathrooms are remodeled with tile showers, new vanities and tile floors.

domain: design


text:
We focus on meals that matter. You focus on eating well and living your best life.
Milwaukee’s Meal Delivery Service Fully customizable meals crafted by chefs and delivered directly to your home. Eating healthy has never been more delicious or easy!
We prepare mouth watering client-customized meals that are fully cooked and delivered to your home on a weekly basis. Consider us your personal chef on wheels. We take the work of meal prep off your to-do list, so you can add something fun to your day. Our service goal is for you to save time, eat well and live your best life.
We will use organic, non-gmo, locally sourced food as much as possible. We believe in the benefits of grass fed beef, hormone free chicken, locally raised pork, organic vegetables, fruits in season, pantry staples without fillers, low sugar and reduced sodium. Our pledge is to create great tasting and nutritious meals that matter.
KEEP IT SIMPLE Looking for an order form?
You won’t find one. Every person is different. We take a personalized approach when it comes to your dietary needs. You provide us with your preferences and we do the hard part, creating a custom menu fit for you and your needs. We can even do specific diet meal plans like Vegetarian, Vegan, Paleo, Keto, Dairy Free, Gluten Free, Low Sodium, Low Sugar, Low Carb, High Protein and Weight Loss plans. It’s that simple!
What sets us apart?
Total customization of your meals to make sure you are eating exactly what you want.
As much or as little personal contact as needed to ensure great service and delicious food.
Simple once a month payment and ordering, rather than weekly deadlines.
Flexible delivery to your home refrigerator or office on Monday or Tuesday afternoons.
“This was tailor made for busy people like me who love to eat but hate to cook. I get home starving and can eat delicious & healthy food literally within minutes of arrival. No planning, shopping, food prep, cleanup! Just heat & eat. It doesn’t matter what dietary type you prefer, Gluten Free, Keto, Paleo, Vegetarian or Vegan. They do it all!” – Ruth (5)
“I write this review while munching on a bacon cheddar corn cake provided by the Focused Fork team. We have been utilizing them for the past 3 months. They helped us get through a kitchen remodel and the food was so good that we signed on for an extra month. One of my favorite things about the food is that it’s a great balance of healthy and tasty food. This service has definitely made me appreciate a wider variety of veggies too.” – Anna (5)
“Hey greater Milwaukee! 5 stars for the Focused Fork for going the extra mile(s) to help me get wonderfully delicious and nutritious food, prepared with love, to my mom who just had surgery last week. I live across the pond and needed her to have the very best! Karen and her team to the rescue! So thankful to this new biz doing fabulous work! Hire them, we need more businesses that are full of integrity and great caring hearts.” – Jessica (5)

domain: food


text:
Kingdom of God
Matthew 4:23 records our Lord Jesus traveling through Galilee, teaching and preaching the good news about the kingdom of God. Much has been written and debated about this kingdom concept, pre- and post-Jesus’ days. Our Lord Himself made over 90 references to the kingdom of God/heaven in the gospels. Obviously, the conclusions regarding the same vary. A rather simple definition offered about the Kingdom of God is this: any realm where Jesus reigns, and where His will is done! In relation to the One who is the very image of the invisible God and the firstborn over all creation, we know that “God was pleased to have all His fullness dwell in Him” (Col. 1:19). God’s kingdom is inclusive, embracing and welcoming (John 3:16,17). These are most wholesomely manifested in the person and work of Jesus Christ, whose three years or so of earthly ministry traversed all social strata and demographics (cf. Rom. 5:8). In teaching that “no one can see the kingdom of God unless he is born again”, our Lord is reminding all that God’s kingdom has a “inside-out” nature. Its external impact must begin first with an internal renewal of the individual’s mind (Rom. 12:2), resulting in the ripple effect on the family, church, the larger community of the society, and eventually but surely, our world. Extending from the Creator Himself, the kingdom of God empowers its citizens with boldness in the face of death (Heb. 2:15,16), sanctifying them who were once common and deserving of God’s judgment (Zec. 14:20,21) for His redemptive commission as His new creation (2 Cor. 5:17).
As citizens of this Kingdom, we must constantly be reminded of the following:
- Jesus the King rules;
- We are His subjects over whom He rules;
- His laws and ordinances preside over all in this Kingdom; and
- All of creation forms the realm and territory of His rule (1 Tim. 6:15,16).
This King has entrusted us His citizens with an earthly commission with a heavenly focus, to preach and teach the good news of His kingdom to all nations. Go we must, and do so faithfully, heart, mind and spirit, until He returns to draw us finally to Himself. Amen!

domain: literature


text:
The current issue of the Riverfront Times features a new print series by St. Louis artist, Tom Huck. In the video below, Huck -- the subject of an RFT profile back in '07 -- discusses the inspiration for his latest work, "The Hillbilly Kama Sutra."
Photo by Jon ScorfinaMany artists have used the album cover as a vehicle for greater mass exposure. Robert Crumb transitioned from the obscurity of underground comics to mainstream consciousness with his cover of Big Brother and the Holding Company's Cheap Thrills. Derek Riggs made his mark o ... More >>
William LaChance's "Slipstream" is one of nine glass panels to be installed at Lambert this year.Beginning this month crews at Lambert-St. Louis International Airport will begin hanging a series of glass panels featuring the works of local artists. The nine participants chosen for the display all ... More >>
This weekend, in case you somehow missed it, St. Louis played host to the Southern Graphics Council International Conference, with an offshoot event on Cherokee Street as well as edgier programming by Tom Huck's Evil Prints. Brooklyn-based muralist Swoon was in town, putting up a mural on the side o ... More >>
Melissa MeinzerEvil prints of original artwork -- the perfect thing to go under your beer.If you're into printmaking, your schedule next week is going to be packed. On Wednesday, the Southern Graphics International Conference comes to town, which is sponsored by Washington University and includes ... More >>
St. Louis is home to a flourishing movement of creative print-makers. You can check out the latest from some of the city's finest in the field tonight at the opening for Print/Pull. Courtesy of the Philip Slein GalleryAttack of the Fifty-Foot Yard Ornament (the print), 1999, woodcut, 40 x 80", from ... More >>
The number of chain record stores nationwide has dwindled. However, St. Louis has become an unlikely safe haven for indie record shops as well as for DJs who prefer to spin the black circle instead of scrolling their iPods. In this weekly column, we'll focus on personal portraits of St. Louis' recor ... More >>
Leave it to the south-side to help the Lou kick off its Memorial Day weekend right. On Friday night, May 28, Black Diamond Heavies is doing a show at Tom Huck's Evil Prints Studio (814 Vandeventer). Just $7 nets you a set from BDH, performances by Rum Drum Ramblers and Bob Reuter's Alley Ghost and ( ... More >>
The ballots have been counted and tallied, and so without further ado, here are the RFT's 2009 Music Awards winners! Remember, it's not too late to RSVP for our Music Awards party, which is taking place next Tuesday, June 23, from 7 to 10 p.m. at the Schlafly Tap Room. All of the information is here ... More >>
Here are the nominees for this year's music showcase. Enjoy 'em after this year's poster, courtesy of the amazing Tom Huck.
The St. Louis version of Dr. Sketchy's Art Club (inspired by the New York-based originator, Dr. Sketchy's Anti-Art School) meets once a month to figure-draw the girls of the Alley Cat Revue. During the club's most recent meeting, club members (the events are open to all) were treated to scantily cla ... More >>
And we expect everyone else to do the same."
A lust for the grotesque and a thirst for the jugular: the mad mind of printmaker Tom Huck
St. Louis University restores a beautiful building to display terrible art

domain: artistic


text:
Neuroimmune Activation in Autism: Imaging Translocator Protein using Positron Emission Tomography (PET)
Study 11-M-0118: AUTISM
People with autism and autism spectrum disorders have problems with communication, behavior, and socializing, and many also have intellectual and developmental disabilities. The cause of autism is not known, but previous research has suggested an association between autism and immune changes in the brain. Researchers are interested in using the experimental radioactive drug (11C)PBR28, which attaches to a target in the brain that is involved in immune changes. Using positron emission tomography (PET) scanning of people with and without autism, researchers will see if there are greater immune changes in people with autism.
To determine if PET scanning can be used to evaluate changes in an immune system target (called translocator protein) in the brains of people with autism.
- Individuals between 18 and 45 years of age who have been diagnosed with either autism or autism spectrum disorders, or are healthy volunteers.
- Individuals must be in good health, with no history of serious head trauma.
- Participants will be screened with a physical examination and psychological examination, medical history, questionnaires about behavior and mood, and blood and urine tests.
- Participants will have two imaging studies of the brain on separate visits. The first study visit will involve a magnetic resonance imaging (MRI) scan to provide a baseline image of the brain. The second study visit will involve a PET scan with the radioactive chemical (11C)PBR28 to study an immune system target (called translocator protein) in the brain. The MRI scan will take about 40 minutes, and the PET scan will take about 2 hours.
- Compensation is provided for participation.
- Transportation reimbursement may be provided.


Is your hot water system too hot?
Hot water not set to the correct temperature results in hundreds of scalding cases each year. It is essential that if your hot water is too hot that you install a tempering valve to maintain a constant temperature and avoid the risk of scalds. Ensure your hot water is safe, contact Fallon Solutions plumbing team for the installation or testing of tempering valves in your home or business.
Tempering Valve Enquiry
Why do I need to install a tempering valve on a domestic hot water system?
Tempering values must be installed on new hot water systems so that your hot water complies with Australian Standards (AS 3500). This legislation requires hot water to be set at a temperature to minimise the risk of scalding. In Queensland, you must install a tempering value if you are replacing a hot water system.
How does a tempering valve work?
In essence, a tempering value blends hot and cold water to ensure that the output is delivering the right temperature for the application. There are a range of different tempering valves depending on the plumbing application and vary between domestic and commercial applications.
Are tempering valves compulsory?
The short answer is yes. In all new homes or renovations, it is compulsory that your licenced plumber installs a tempering valve or thermostatic mixing valve to your hot water system.
What are the different types of tempering valves?
- Blue cap tempering valve - commonly used for electric water heaters
- Green cap tempering valve - designed for gas hot water systems.
- Orange cap tempering valve - solar hot water and heat pump hot water systems.
- Black cap tempering valve â€“ for large capacity systems.
Confused about tempering valves?
Fallon Solutions Master Plumbers keep abreast of all the latest plumbing laws and can ensure that your plumbing is installed to the relevant Australian Standards.
If you are making changes to your hot water system and need advice, get in touch with the team at Fallon Solutions for all of your hot water system requirements on 1300 054 488 or complete our booking form today.
HOT WATER FAQ
For more in depth hot water information visit our Hot water Information page


text:
AHCX radio programme on ZBS
AHL Commodities Exchange (AHCX) has introduced a radio programme which will run on Zodiak Broadcasting Station (ZBS) every Friday from 5:45pm for three months starting August 19, 2016.
The programme, to be hosted by ZBS’s Robert Kalua, will feature various AHCX managers who will provide information on the commodities market to farmers, traders and buyers, and answer questions through telephone from listeners.
A comedy by a Lilongwe-based renowned outfit comic Shokoshoko will feature in the programme to help demystify some issues in the commodities market.
It has come at a time the commodities market is at the peak of trading for pigeon peas while and while farmers are preparing their fields for the next growing season.
AHCX Communications Manager, Thom Khanje, said the programme will help in disseminating information about the on-going trading of pigeon peas and provide advise that can help farmers make informed decisions about the next growing season.
“As a major player on the Malawi commodities market, we have a responsibility to disseminate information about the commodities market to all players on the market. The introduction of the programme on ZBS is part of that responsibility,” said Khanje.
He disclosed that another programme will soon be launched on MBC TV.

domain: agronomy


Rapid shot (talent)
|Requirements||Lvl (22,23,24,25,26) Dex (46,48,50,52,54)|
|Description|| Enter a fluid, mobile shooting stance that excels at close combat. Your raned attack speed is increased by 10–50%cTS:0.75P and you gain 27% increased movement speed for 2 turns.
Ranged attacks against targets will also grant you up to 5% of a turn. This is 100% effective against targets within 3 tiles and decreases by 20% for each tile beyond that (to 0% at 8 tiles). This cannot occur more than once per turn.
Requires a sling to use.


text:
Smooth Operators 2
Smooth Operators 2 is a not-so-similar sequel to Smooth Operators.
This game is a design-based puzzle game in the spirit of Zachtronics or Human Resource machine.
It explores the basics of coding through machines that perform operations on the shapes fed into them, all set to a Jazz soundtrack. Hence 'Smooth Operators'.
The project will likely be in development for some time, as I feel out its potential.
In the meantime, here is it in partially developed form.
Leave a comment
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domain: game


text:
USA - CVM reminds industry to correctly label Ethoxyquin in feed
The FDA Center for Veterinary Medicine (CVM) has issues a reminder to industry about the labeling and safe use requirements for ethoxyquin, an approved food additive used in animal feed
The FDA Center for Veterinary Medicine (CVM) has issues a reminder to industry about the labeling and safe use requirements for ethoxyquin, an approved food additive used in animal feed.
Ethoxyquin is added to an animal feed either directly or indirectly as a component of an ingredient. In either case, one of the following statements must be included on the product label: “Ethoxyquin, a preservative,” or “Ethoxyquin added to retard the oxidative destruction of carotene, xanthophylls, and vitamins A and E.” This label is necessary to help ensure the safe use of ethoxyquin, since there are established tolerances and a maximum use rate for this food additive.
The established tolerances for ethoxyquin are as follows: 5 ppm in or on the uncooked fat of meat from animals (except poultry); 3 ppm in or on the uncooked liver and fat of poultry; 0.5 ppm in or on the uncooked muscle meat of animals; 0.5 ppm in poultry eggs; zero in milk. The maximum quantity of ethoxyquin “to be used and to remain in or on the treated article shall not exceed 150 parts per million (ppm).”
The approved uses of ethoxyquin in animal feeds are addressed in the Code of Federal Regulations (CFR), Title 21, Parts 573.380 and 573.400, and established tolerances are in Part 172.140.
21 CFR PART 573 - Food Additives Permitted in Feed and Drinking Water of Animals
21 CFR PART 172 - Food Additives Permitted for Direct Addition to Food for Human Consumption

domain: health


text:
Hospital Pharmacists will benefit from a high quality education that will result in more recognition for their profession and better outcomes from patients.
Benefits of CTF?
Raising standards nationally for the hospital pharmacy profession;
Better outcomes for patients as professional standards have been raised;
Providing long-term possibility of simplified and less labour intensive qualification recognition processes;
Improving mobility for hospital pharmacists (therefore, allowing them to learn from other health systems and bring back this knowledge);
Improving cooperation and reciprocity between healthcare systems and national hospital pharmacy associations.


text:
A Green Alternative™ member vendors share in the ability to promote safe access to other member patients of our San Diego community.
When you become a patient of our cooperative you qualify to be a vendor as well.
As the first licensed cooperative in the City of San Diego, A Green Alternative™ exclusively accepts medicine from legally qualified patients who are cultivating in accordance with California law and have signed our associate membership agreement.
We have the highest standards for medical cannabis; please do not be discouraged if you do not sell your medicine to our member purchasing agents. The purchasing department of our collective is selective of its flowers it chooses. Our Cooperative only offers the choicest of medicinal herbs to its members.
Every flower and concentrate that we purchase is laboratory tested for the presence of pathogenic molds. Concentrates are submitted to the lab for traditional potency testing. For questions regarding this process please speak with a purchasing agent during open purchasing hours.
All sales are contingent on mold test results. This means that if your medicine tests positive for pathogenic molds we must return it to you.
All potential vendors must email their local CUP, brochure of products and price list to firstname.lastname@example.org.


text: Virginia State Route 110 is a short north-south highway in Northern Virginia. It runs within Arlington County. This runs on the Jefferson Davis Highway. VA St Rt 110 runs along the Pentagon, and Arlington National Cemetery. VA St Rt 110 passes through the following towns in Arlington County. Crystal City Rosslyn VA St Rt 110 is not multi-plexed in Arlington County. VA St Rt 110 intersects the following highways in the Arlington County. U.S. Rt. 1, near Crystal City. Interstate 395, near Crystal City. Virginia State Route 27, near the Pentagon. Interstate 66, at Rosylin.

domain: geography


Hunterdon County Sheriff Fred Brown and First Energy, JCP&L Issue Utility Scam Warning
Hunterdon County Sheriff Fred W. Brown joins with First Energy, Jersey Central Power & Light (JCP&L) to warn residents about scams targeting utility customers with sophisticated tactics and threats of power disconnection unless large sums of money are paid to the scammers.
Sheriff Brown said, “Since 2020 there has been a significant increase in all types of scams, often targeting the most vulnerable in our communities. While scams are active year-round, utility scams are most prevalent in winter and summer months when customers need heat or air conditioning.
First Energy, JCP&L sent out an alert after receiving numerous reports from customers about utility scams tricking customers into giving away personal information and paying ‘unpaid bills’ to avoid service disconnection.”
First Energy, JCP&L reported more than 3500 attempted scams in 2021 and remind customers to remain vigilant against utility imposters who claim to be associated with their company.
Sheriff Brown has warned the Hunterdon community of other energy and utility scams in the past, but noted that, “many residents are still experiencing financial hardships due to the pandemic. It is important to share this information and help the community avoid further financial difficulties.”
FirstEnergy, JCP&L customers can avoid falling victim to a utility scam by keeping the following information in mind:
• First Energy, JCP&L often make courtesy calls to remind customers about outstanding balances and send written notices of a possible disconnection, but they do NOT call or email to demand immediate payment to avoid a same-day shutoff.
• Utility impostors often require that you use unusual payment methods like digital payment apps, cryptocurrencies or money transfers. Only send payments to your FirstEnergy electric company using established payment methods.
• FirstEnergy field collectors working in New Jersey will offer customers with past-due accounts the opportunity to pay their bill in person before disconnecting service. All employees carry company-issued photo identification.
• Imposters often use Caller ID spoofing software to misrepresent the source of a phone call to further mislead and confuse their targets. Call-back numbers provided by these criminals often use greetings and hold messages that mimic legitimate businesses. Always contact your electric company using the phone number listed on your bill or on the FirstEnergy website.
• If you suspect a scam, hang up or close the door and contact your local police department and FirstEnergy.
• If you have any doubts about the status of your account or the identity of a FirstEnergy employee, contact your electric company at the number listed on your bill or the company’s website. Never call the number the scammer provides.
Sheriff Brown advised potential scam victims to hang up if you suspect that the caller is an imposter.
“Ending the call is your first line of defense and often the best way to avoid a financial loss. Contact your local police department or call the utility company directly to notify them of the scam attempt,” Sheriff Brown concluded.
FirstEnergy, JCP&L remind customers that they should only pay their bill directly on the company website.
If the account has a past-due amount or is in collections, the utility will not send someone directly to the client’s home demanding payment.
Customers can visit the FirstEnergy scam information page at www.firstenergycorp.com/scaminfo for updates and information on emerging scam activity.


text:
Hear the crowd sing along and view never-before-scene-footage of Underoath while on tour on this live CD/DVD. This is a must-have for any Underoath fan.
CD: Live album featuring 12 tracks from tour dates across the country.
DVD: Full live set in 16:9 widescreen with tracks from Define & Chasing Safety.
- Release Date: May 27, 2008
- Record Label: Tooth & Nail Records
- UPC: 5099951171025
- Number of Discs: 2
Listen Before You Buy


text:
For all emergencies, dial 911.
|Eldora EMS is actively accepting applications for the following positions: Paramedic (Full Time), EMT/AEMT/Paramedic (PRN).To see all current City job opportunities, click here.|
Eldora EMS is a critical care transport ambulance service operating under the authorization of the Bureau of Emergency Medical and Trauma Services. Serving as the primary advanced life-support level emergency 911 response provider for over 350 square miles of Hardin County, including the City of Eldora, we are dedicated to delivering swift and exceptional medical care to our community.
With a deep commitment to excellence and professionalism, Eldora EMS ensures that the highest standard of care is provided in every emergency situation. Our fleet consists of three advanced life-support ambulances, equipped with state-of-the-art medical technology and supplies, along with a versatile SUV for additional support. This allows us to effectively respond to a wide range of medical emergencies, ensuring timely and efficient transportation of patients.
At Eldora EMS, our highly skilled and compassionate team is at the heart of our service. Our crew comprises drivers, Emergency Medical Technicians (EMTs), registered nurses, paramedics, and critical care paramedics. Each member of our team brings a unique set of expertise and experience to the table, allowing us to deliver comprehensive and specialized care to patients in need.
With a focus on continuous professional development, our staff undergoes regular training and education to stay updated on the latest advancements in emergency medicine, protocols, and technology. This commitment to ongoing learning ensures that our team remains at the forefront of the ever-evolving field of emergency medical services.
Eldora EMS takes pride in its ability to respond swiftly, efficiently, and compassionately to emergencies, providing essential medical care and transportation to those in need. Our dedication to the well-being and safety of our community drives us to deliver exceptional emergency medical services, making us a trusted partner in times of crisis.
When seconds count, you can rely on Eldora EMS to be there, ready to provide critical care with professionalism, expertise, and unwavering commitment.
preparing for ems after calling 911
If you have called 911 and are waiting for paramedics to arrive, there are several steps you can take to prepare and assist them upon their arrival:
Stay calm and provide accurate information: When speaking to the 911 operator, remain calm and provide clear and accurate information about the situation. Describe the nature of the emergency, the location, and any other relevant details. Follow any instructions provided by the operator.
Create a clear path: Clear the area around the patient to provide easy access for the paramedics. Remove any obstacles, such as furniture or clutter, that could hinder their ability to reach the patient quickly and safely.
Turn on lights: If it's dark, turn on lights in the area where the patient is located. This will help the paramedics see clearly and assess the situation more effectively.
Gather important information: Collect any pertinent information about the patient, such as medical history, allergies, medications, and contact details of family members or caregivers. This information will assist the paramedics in providing appropriate care.
Unlock doors or gates: If the patient is inside a locked building or gated area, ensure that all doors and gates are unlocked or accessible. This will help paramedics reach the patient without delay.
Stay with the patient: If it is safe to do so, stay with the patient until the paramedics arrive. Offer reassurance and comfort, and monitor their condition if you are able. If the situation worsens or changes significantly, inform the 911 operator immediately.
Prepare necessary documents: If you have any medical documents or records readily available, gather them and have them ready for the paramedics. This may include documents related to the patient's medical conditions, allergies, or any existing medical devices they use.
Remember, the primary responsibility during an emergency is to keep yourself and the patient safe. While these steps can help prepare for the arrival of paramedics, it is important to follow the guidance of the 911 operator and prioritize the immediate needs of the patient.


text: Pictures don't do justice to this precise and clean all-hematite fan necklace and dangle earrings set. Great for many style types, from gothic and steampunk to Victorian and classic traditional to ultra-modern. Plus, it's good for you! Hematite has been used for centuries as an alternative form of healing. The iron in magnetic hematite is said to help blood pressure disorders and kidney problems, regulate blood flow and heal pain as it aligns the nervous system. Also used to relieve headaches, anemia and cramps.


text:
Conversation with Matteo Fargion - 20th March 2000 - 1 (body of work - Morton Feldman)
body of work - Morton Feldman
TIM PARKINSON: If your music was a food, what would it be?
MATTEO FARGION: I think it would be a...um, a mixed antipasto. (laughing) Lots of- lots of, you know, cold cuts and some delicious pickles, vegetables, I dunno... you know, yeah, not very- not very weighty. Not a main- I haven't written a main course yet. What sort of music do I write? Um... I'm a little bit schizophrenic I think, stylistically, I dunno. When I look back at all this music that I've written it just seems to chop and change so much. Um. It's one thing I find irritating about- about myself- myself that there seems to be no continuity, um... I mean I suppose it's only stylistically that it's so, but I mean that I could write a sort of... well, yeah, I mean you know the pieces, like say those Da Noi pieces, the Jeremy James piece, they're very much like you know, written on tape and then- that kind of sparser, and then sort of pieces that exist like a chunk of time and there's no change in them, um, they're sort of layers composed individually then put together, and then um... pieces like that, and then pieces that are much more like concert pieces in inverted commas, more structured and more sectional and really thinking of music more linearly like that. There's that and then... I dunno, just... And then whenever I finish a piece, um, well usually I quite like it, and then... soon after I lose interest, and there's very few pieces I can think of that I- that I- really like I say yes I wanna do something like that again. But I'm a terrible editor, and er the idea of going back and changing a piece is er is... I've tried and a few times I think I've improved things. I think very often I've fucked it up. So it doesn't interest me because I think, it sounds like a cliche but I think every piece I think how the hell did I do that? And it's it's er... It is a complete mystery. Maybe that's the thing with having very little technique that I have. And there's no continuity, it's not like I follow a direction for a while and then say no I've changed my mind. They were the pieces- I do that, usually I say... cos I find it so hard to write music I say well I never want to write like that again, let's think of some- another way.
T: What do you- So you'd prefer to have a continuity?
M: Oh I'd love to, I'd love to be like these- I'm always envious of painters who do whole series, the idea that you could...
T: What about your- the opera? There were lots of opera satellites. You know... I mean... Like um... I dunno, the Opera Studies.
M: From the opera to the piano- Opera Studies? Um, yeah the Opera Studies were- I just decided- Stephen Clarke, this pianist, had commissioned me to write some kind of flashy virtuosic piano pieces, and I- because I spent a year, or six months anyway writing this opera, I just had all this material that I thought er let's use it again. But I didn't write it in the same way, it's more like, I suppose I'm more thinking of techniques, I wrote this piece in this way, and then you'd say write the next one in this way but discover something else. Yeah, maybe it's actually more like ways of working rather than... than, er, what the actual piece sounds like in the end.
T: But you've kind of like had periods, in your work, way back, and then you were talking about a Feldman period that everybody has...
M: The Feldman period, that's true, yeah, it's important to have a Feldman period. I certainly had a Feldman period, probably from when I met Feldman er in er... Johannesburg of all places in nineteen eighty... four maybe, I can't remember, eighty three, eighty four? It took me a while to to accept him. The fact that Feldman really liked my songs, ok, then he must be ok. [6 songs] He really got them.
T: I wanted to get in that quote where Feldman said that you were a genius.
M: Sounds a bit pompous, but, you'll have to say that. I won't. Put it in your- No; that I "had an affinity to this world which borders on genius". Well he loved the songs. Very strange. I don't think he liked anything else I did, the few bits and pieces he heard afterward which were much more Feldmanesque funnily enough.
T: Which were- what did he hear? Two pianos?
M: Well, he certainly heard that, they're not really Feldmanesque. Um. What can he have heard, it was in 1987 in Dartington. I followed him around a bit in Frankfurt, he was in Frankfurt and I went to that, and in Cologne, er, but I didn't study with him. I did want to study with Feldman and I went- I wrote to him in Buffalo and he, in fact he told me about Dartington, I'd just moved to England and he- I said- I was trying to work out what to do, to study with Kagel or with Feldman, it was clear in England I didn't want to study with anybody after Kevin, so those were my two choices, obviously Feldman... I was worried because the two students that I knew of his, Bunita and Barbara, were complete casualties of Feldman, and I think with his pupils they either try to do what he does and fall short, or else reject everything, and do something completely different, I can't think of any names, but I have met composers like that. Tom Johnson for instance. Yeah, nothing to do with Feldman, much too conceptual, um... Anyway, so I didn't- certainly didn't- I was very worried and maybe a bit scared of going to study with him... Dunno how the hell we got onto this. But I can imagine I think I would, I dunno how you would feel, but I think having- if I got to study with him I think it would have been so overpowering. I mean he's not one to say, you know, to look at little pieces, or- I think he would insist that you wrote music like him, in a way. Of course I could learn an enormous amount, but I think it would have been a real block. That's not what I need. Which doesn't- I think he was a great teacher, he was a great speaker, I mean, so inspiring on that level, I mean, certainly the most intelligent or um... I just feel that I've been- I have been in the presence of a genius.


text:
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VNQM doesn’t actually monitor the Video infrastructure and doesn’t support Skype for Business yet.
What you could do is to setup NPM, define custom pollers in UnDP and poll for the Data Jitter information from the Cisco devices.
There are some SAM templates available in thwack community to monitor Skype for Business.
As reemap says, if your goal is to monitor Skype servers themselves, you need to do it with something other than VNQM, like SAM (which used to be called APM):
sdonovan has this post:
When you setup an IP SLA jitter operation on VNQM, it actually configures IP SLA on your routers to generate traffic and measure it as it goes from router to router. For jitter, It simulates the audio traffic with UDP packets. So it's biggest application for jitter is if you have your own WAN. The layer 2 switch infrastructure between servers and local clients contributes very little to jitter, because packet timings are almost always in the <1msec range. This could change if you have security devices between L2 segments, though. In that case, you would need to setup IP SLA on a router behind the security device. We can run audio and video through ASAs with no problem.
I googled a bit, but didn't see evidence that Skype/Lync servers themselves have built in support for IP SLA. But it's the kind of thing that could be hidden. If Skype servers do support IP SLA, VNQM does not support it at this time.


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- 2-Colour photolithographyJohn T Fourkas
Department of Chemistry and Biochemistry, University of Maryland, College Park, MD 20742, USA
Phys Chem Chem Phys 16:8731-50. 2014..The physical chemistry of 2-colour photolithography is a rich area of science that is only now beginning to be explored. ..
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Lab Chip 10:1057-60. 2010..Microchannels with different cross-sections and heights can be combined readily in a single device. This fabrication technique significantly increases the diversity of channel architectures available for microfluidic devices...

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text:
Twenty-three young people are starting our entry-level Building Skills course. They will gain valuable skills and experience as they help us build new facilities at Zambezi Sawmills Community School, Livingstone.
This is our first community training course since before the pandemic.
Our Senior Community Development Officer Jones Samwenda and Project Office Kelvin Mwando led the recruitment of trainees, alongside the school’s Parent Community School Committee (PCSC).
Kelvin explained the recruitment process:
“We’re delighted to restart our community training. The PCSC helped to get the message out to young people across the local community. From there, we invited those interested to meetings at the school on 24 May.
This was an opportunity for people to find out more about the course. We explained what the training involves and what would be required from them.
Information meeting at Zambezi Sawmills Community School
We handed out application forms and asked participants to return the next day with their completed form.
Together with the PCSC we then held a series of short interviews. This is a chance to help assess motivation and attitude. This course is a six-month commitment so we want to ensure that people have thought it through properly and have spoken to their families, husbands or wives about it.”
Build It Project Officer Kelvin interviewing a potential trainee
Build It looks to train young people who did not have the opportunity to complete their education, but with a genuine interest and desire to learn new skills.
With input from our Training Team, 16 men and 7 women were successfully selected for the course.
We look forward to welcoming them for their orientation on Monday 13 June, and will keep you updated on their progress.

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nigerian airforce shortlist 2016
The Nigerian Airforce has released the names of candidates shortlisted for the year 2017 DSSC pre-screening examination which will be done nationwide in the centres published here. Nigerian Air Force Examination Centre Portal For 2014/2015 Session. Nigerian Airforce Recruitment Result List | Successful AirForce List Checker (HERE).Nigerian Navy Basic Training School Batch 25B Training 2017 Instructions For Shortlisted Candidates. NAF Recruitment 2017 | Nigerian Airforce Recruitment Shortlisted Candidates List 2017- This is to officially inform the general public and all applicants who applied for the Nigerian Airfoce Recruitment that the list of the Nigerian Airfoce Recruitment Admission 2017 is out June 11, 2016. Job. 0. List of successful candidates at the 2018 Nigerian Airforce Recruitment Exercise is now available online.They are hereby invited for the final interview scheduled to hold at the Nigerian Air Force Base, Kawo, Kaduna from 8th 24th, June, 2018. careers nigerianairforce gov ng. update(01/04/2017). Yesterday, Nigerian Airforce Recruitment result was released. You can check it here.other news: Nigerian Army Shortlisted Candidate 2017. Nigerian Air Force Shortlisted Candidates for 2015 Airmen/Airwomen Interview SUCCESSFUL CANDIDATES FOR 2015 AIRMEN/AIRWOMEN RECRUITMENT INTERVIEW INTO THE NIGERIAN AIR FORCE.
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Deadline Date: 30th June, 2016.Nigerian Navy DSSC 25 List of Shortlisted Candidates for Test 2017. Nigeria Immigration Service (NIS) has Shortlisted successful candidates for Test. Delivered by FeedBurner. Updated: June 22, 2016 — 11:03 pm. Tags: Nigerian Airforce.Latest News On The Release Of N-Power Shortlisted Candidates For 2017 Recruitment. List of successful candidates for 2016 nigerian AIR force recruit training - batch a.The successful cadidates are to report at Ground Training Centre, Nigerian Air Force Base Kawo, Kaduna on 1 August 2016 for recruit training. The Nigerian Air Force invites the under-listed candidates to attend the 2016 Direct Short Service Commission (DSSC) Interview scheduled to hold on Sunday, 3rd July, 2016 at the Nigerian AirForce Base, Mando Road Kawo, Kaduna. 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text:
Amazon is a bit wordier with how they named this product. They call it "Bonsai Tea Co. Green Tea, Compatible with 2.0 Keurig K Cup Brewers, 100Count".
Some additional details about this product:
- Find your balance and connect with your senses with a soothing cup of Bonsai Tea. Enjoying a daily cup of tea has been shown to uplift your mood and boost productivity, all while reducing stress. Letting go and unwilling has never tasted so good!
- Bonsai Tea Co. Green Tea
- Contains 100 premium quality Bonsai tea pods.
- Bonsai Tea Co. Pods are Compatible with 2.0 Keurig K-Cup Brewers.
- Keurig Dr Pepper Inc. Keurig, Green Mountain and K-Cup are registered trademarks of Keurig Dr Pepper Inc. Bonsai Tea Co. is not affiliated, endorsed, or related with Keurig Dr Pepper Inc.
Need to know more? You can read more about this product on Amazon.
Oh, and here's a bunch of pictures if you've never seen k-cup pods before:


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Colorado courts moving soon to new Carr building
December will be a month of moves for several offices of the Judicial Branch of the State of Colorado.
The Colorado Supreme Court, Court of Appeals, Supreme Court Library and Office of the State Court Administrator will move from the Denver Newspaper Agency Building to the new Ralph L. Carr Colorado Judicial Center on Dec. 15-16.
As a result, the courts will close at noon Friday, Dec. 14, and will reopen in the Judicial Center at 2 East 14th Avenue at 8 a.m., Wednesday, Dec. 19.
The library closed to the public on Friday, Nov. 23, and will reopen on Dec. 19. The Office of the State Court Administrator will close on Dec. 14 and will reopen in the Judicial Office Tower at 1300 Broadway on Dec. 17.
The $258 million, 696,000-square-ffot judicial center has been delivered to the state two months ahead of schedule, developer Trammell Crow Co., designer Fentress Architects and builder Mortenson Construction announced.
Heather Draper covers banking, finance, law and sports business for the Denver Business Journal and writes for the "Finance Etc." blog. Phone: 303-803-9230.
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The Texas legislature will consider a bill that would amend the state’s constitution to legalize casinos at a limited number of locations and set the stage to permit sports betting.
The proposed law – Senate Joint Resolution 17 – would devise the framework for a new body named the Texas Gaming Commission, which would supervise legalized gambling in Texas.
Casino gambling would be authorized at a “limited number of destination resorts and facilities” with the proceeds going towards tax relief and funding for education and public safety.
The amendment’s author is Houston-based state senator Carol Alvarado, a Democrat who initially pre-filed the bill on 14 November 2022.
[Read full story on iGB North America]


text:
Difficulties in using everyday technology after acquired brain injury: a qualitative analysis
2010 (English)In: Scandinavian Journal of Occupational Therapy, ISSN 1103-8128, E-ISSN 1651-2014, Vol. 17, no 3, 233-243 p.Article in journal (Refereed) Published
The aim of this study was to identify and describe the characteristics of the difficulties using everyday technology in persons with an aquired brain injury (ABI), and their experiences of how these difficulties influenced their life. Thirteen persons with an ABI were interviewed about their difficulties in using everyday technology and were observed in their use of technology. Data were analysed qualitatively with a constant comparative method. The results showed that the persons' experiences formed two categories: "A variety of combinations of difficulties in the use of everyday technology" and "Restrictions in life". The difficulties identified were related not only to everyday technology itself but also to the interaction between the technology, the task, the person, and the environment. These difficulties influenced their experiences of restrictions in occupational performance, personal identification, and participation in society. The results emphasize that occupational therapists who design interventions for people with an ABI need to accommodate both the technology and other interacting aspects in order to overcome difficulties in using everyday technology.
Place, publisher, year, edition, pages
2010. Vol. 17, no 3, 233-243 p.
Activities of daily living, brain injuries, cognition, occupational therapy, participation, rehabilitation, technology
IdentifiersURN: urn:nbn:se:umu:diva-109691DOI: 10.3109/11038120903191806ISI: 000283566200007PubMedID: 19707949OAI: oai:DiVA.org:umu-109691DiVA: diva2:858922


text:
Deposited by: Hackney Museum (donor in Hackney Libraries)
Condition of deposit: Donation (Transfer of records)
There is an account of the H.S.S.A. in the North London Guardian Art Supplement for 15 October 1909 (copy in local history collection oversize pamphlet sequence) which mentions the revival and gives an account of the annual championship races for that year..
Administrative / biographical background:
The Hackney Schools Swimming Association was reformed in 1895 as a branch of the London Schools Swimming Association. It promoted the use of the newly constructed Hackney Baths on Lower Clapton Road from the late 1890s, and organised swimming competitions, making its own awards.


UPDATE: Gina Lockhart, 60, of Huntington Beach has been identified as the victim of the suspicious death investigation.
The identity of a woman whose body was found buried at a Huntington Beach mobile home park has still not been determined, but a suspect has been arrested. According to the HBPD, Antonio Padilla, 34, was charged today (Tuesday) with the killing of the woman. He was originally held as a “person of interest” on Sunday, then formally arrested later.
Police were called to the 7800 block of Slater Avenue (west of Beach Boulevard) on Saturday by residents complaining of an odor.
The site was excavated and the women’s body was unearthed.
Padilla, who is being held without bail, is facing a single count of murder.
Categories: Huntington Beach


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