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Millions of SSNs lifted from South Carolina database
Slipshod security at the state Department of Revenue leads to a massive security breach: 3.6 million Social Security numbers are stolen. The state's population is approximately 4.7 million.
Declan McCullaghFormer Senior Writer
Declan McCullagh is the chief political correspondent for CNET. You can e-mail him or follow him on Twitter as declanm. Declan previously was a reporter for Time and the Washington bureau chief for Wired and wrote the Taking Liberties section and Other People's Money column for CBS News' Web site.
If you live in South Carolina, there's a very good chance that slipshod state government security has allowed an overseas computer criminal to acquire your Social Security number.
The South Carolina Department of Revenue acknowledged the massive electronic security breach today, saying an electronic intrusion led to 3.6 million Social Security numbers being stolen. The state's population is approximately 4.7 million.
"We are taking immediate steps to protect the taxpayers of South Carolina, including providing one year of credit monitoring and identity protection to those affected," Gov. Nikki Haley said in a statement.
Anyone who has filed a South Carolina tax return since 1998 -- including former residents who have since moved out of the state -- is being urged to call (866) 578-5422 to enroll in a consumer protection service and visit protectmyid.com/scdor.
Social Security numbers weren't always used as taxpayer ID numbers, and it's possible that South Carolina's missteps could prompt a move to rethink their use. It wasn't until 1976, when the federal Tax Reform Act was adopted, that states began to adopt SSNs for tax and motor vehicle licensing purposes.
Employers, universities, and even some states have adopted substitutes for SSNs, which can jeopardize privacy when disclosed because they're used for authentication and as a unique identifier. The U.S. Navy is moving away from SSN use, and New York's civil service offers substitutes for people without SSNs. So, perhaps ironically, does the University of South Carolina.
A chronology of events (PDF) that the state published today says that the Department of Revenue learned of the intrusion on October 10 -- it doesn't say how, and USA Today suggested the hacker may have contacted the state demanding a ransom -- and alerted federal and state law enforcement.
On October 12, the state hired an outside consultancy, Mandiant, which determined the intruders accessed state systems in early and mid-September. It wasn't until eight days later, on October 20, that the suspected security hold was actually closed.
Approximately 387,000 credit card numbers were in the files taken, the state said. But officials claim that only 16,000 were unencrypted.


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Neonatal exposure to whole body ionizing radiation induces adult neurobehavioural defects: Critical period, dose-response effects and strain and sex comparison
2016 (English)In: Behavioural Brain Research, ISSN 0166-4328, E-ISSN 1872-7549, Vol. 304, 11-19 p.Article in journal (Refereed) Published
Development of the brain includes periods which can be critical for its normal maturation. The present study investigates specifically vulnerable peri-/postnatal periods in mice which are essential for understanding the etiology behind radiation induced neurotoxicity and functional defects, including evaluation of neurotoxicity between sexes or commonly used laboratory mouse strains following low/moderate doses of ionizing radiation (IR). Male Naval Medical Research Institute (NMRI) mice, whole body irradiated to a single 500 mGy IR dose, on postnatal day (PND) 3 or PND 10 showed an altered adult spontaneous behaviour and impaired habituation capacity, whereas irradiation on PND 19 did not have any impact on the studied variables. Both NMRI and C57bl/6 male and female mice showed an altered adult spontaneous behaviour and impaired habituation following a single whole body irradiation of 500 or 1000 mGy, but not after 20 or 100 mGy, on PND 10. The present study shows that exposure to low/moderate doses of IR during critical life stages might be involved in the induction of neurological/neurodegenerative disorder/disease. A specifically vulnerable period for radiation induced neurotoxicity seems to be around PND 3-10 in mice. Further studies are needed to investigate mechanisms involved in induction of developmental neurotoxicity following low dose irradiation.
Place, publisher, year, edition, pages
2016. Vol. 304, 11-19 p.
IdentifiersURN: urn:nbn:se:uu:diva-282365DOI: 10.1016/j.bbr.2016.02.008ISI: 000372939400002PubMedID: 26876140OAI: oai:DiVA.org:uu-282365DiVA: diva2:916929
FunderSwedish Radiation Safety AuthorityEU, FP7, Seventh Framework Programme, 29552

domain: health


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Unemployment Rates Out of Control
Unemployment rates worldwide are sky rocketing. Spain unemployment rate has reached greater than 17%. This equals approximately 4 million people are unemployed. This is the first time the number of unemployed have exceeded 4 million according to the Spanish economist Carlos Maravail. Most of the unemployed lost their jobs in the past year. Putting this into context during the Great Depression unemployment in the US was 25%. How more months until the number of unemployed reach this percentage in Spain. In the EU, Spain has the highest number of unemployed. The Spanish government like most of the world has been trying to solve the problem. They have started public works subsidies. The Spanish government believes this will stem the unemployment rate. However last year when the unemployment rate was skyrocketing they Spanish government predicted by 2009 the unemployment rate would stabilize. Well…since then the unemployment rate increased dramatically almost by 25%.
One needs to take into consideration Spain was one of the EU’s economies that was once blossoming. The country had a booming construction industry. Can the Spanish economy be an example of what possibly lies ahead for US Unemployment? Lets hope not!
What do you think?

domain: politics


For a plane composite body consisting of an arbitrary number of different linearly elastic constituents under conditions of plane deformation or plane stress, the minimum number of required elastic constants describing the stress field is determined. For conditions in accordance with the assumptions of Michell and Dundurs, i.e., for prescribed surface tractions and no net forces on internal boundaries, the state of stress in a body involving N different phases is found to be determined by only 2N-2 combinations of the elastic constants. This result holds for conditions of complete adhesion and frictionless slip at the interfaces of the materials.
Issue Section:Research Papers
This content is only available via PDF.
Copyright © 1992
by The American Society of Mechanical Engineers


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Marketers that can understand the new rules of engagement and can adapt their approaches have a tremendous opportunity to not only get ahead of their marketing peers, but also to demonstrate the value marketing teams hold within their organizations.
“While there is still much uncertainty about the future, we are likely in the midst of a generation-defining event that will influence how consumers behave for years to come,” Kelsey Robinson, a partner at McKinsey & Company, writes in a column for Campaign. Robinson says marketers need to take a three-pronged approach. In addition to managing the current situation with resolve and resilience and planning for the recovery, Robinson says marketers must “reimagine and shape the ‘next normal.’
Robinson says it is too early to tell exactly what the world will look like when we emerge from this crisis and what behaviors and attitudes have shifted permanently. “But we are quite likely to see some changes in consumer psyche and these are the things that will truly define the next normal,” Robinson writes. “Companies shouldn’t wait for a completely clear picture of the future to emerge, so they need to take a studied portfolio approach to create options for growth depending on how the market and consumers shift. This is an area where marketing leaders can help the chief executive and the business as a whole to start reimagining the future.”
Ryan Detert, CEO of Influential, says that brands and agencies need to rethink their media strategies in today’s environment, according to a recent Forbes article. “It’s critical brands and agencies take into account the state of their audiences—both their changing behaviors and emotional state of mind,” Detert told the publication. “Customer service is a critical part of brands marketing strategies as consumers are turning to brands looking for answers about products in stock, refunds, where to buy and changes to schedules.”
Despite the need to navigate change, 42% of marketing leaders say their teams lack the capacity to quickly adapt to changing priorities and develop content accordingly. So reports Click Z.
This comes at a time when consumer behavior has clearly shifted. In fact, 24% of people plan to delay large purchases, while 42% are expecting to cook meals at home during the next six months to save some dough, according to the Click Z article.
At a time when global advertisers, such as Anheuser-Busch, Airbnb, Marriott and Coca-Cola are cutting marketing spends, Converse is increasing its marketing.
“As a result of Covid-19 we paused like everyone else and took a minute to reassess,” said Converse’s CMO Jesse Stollak, according to a recent DigiDay article. It has “launched a crowdsourced campaign for housebound creatives called #CreateAtHome” and decided to “work across Instagram, Twitter and its newly launched TikTok as the first phase of a new long-term brand campaign,” according to the article.
Influential’s Detert said firms may also want to turn to influencers at this time. “On average, a brand's owned and operated account will receive 90% less positive sentiment compared to a talent/influencer's branded post,” Detert told Forbes. “If you want to minimize risk, use those who can speak on your behalf. Make sure the message is aligned with your values and is emotive, the data reveals that consumers trust people more than brands, and it shows.”

domain: news


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The Doors were an L.A. band, born on the strip, wildly popular and about to make it big—Elektra was releasing the debut album. And when Holzman hung their four faces high above Sunset, he wasn’t so much trying to sell records as making a statement: The Doors are here, and Elektra’s got ’em!
“No other company was doing that,” recalls Robbie Krieger, the band’s guitarist. “They didn’t know if they were gonna make their money back on something like that. It was just more of an ego trip, I would say, for the record company and us.”
Celsi, A. (2017, June 4). Revisiting the Golden Age of Rock Billboards on the Sunset Strip. Retrieved from ww2.kqed.org

domain: history


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New Adams County resident Rosann Pellegrino will present an independently-produced film about Varina Howell Davis, wife of Confederate President Jefferson Davis, for the Adams County Arts Council’s 3rdthursdaynoon series on July 18 at the Arts Education Center, 125 S. Washington St., Gettysburg.
The 40-minute film is based on her one-act play and features Pellegrino as Davis.
While living in New Jersey, Pellegrino spent more than 30 years acting in community theater, including two years in New York as a member of Love Creek Productions.
When she was not part of a full production, she created one-woman shows adapted from plays or events in American history, performing in libraries, historical societies and coffee houses.
In 2011, Pellegrino discovered Civil War re-enactments. By 2013, she had written “Conversation Upon the Death of a Daughter,” a one-women play about Varina’s Civil War memories and the death of her daughter Winnie.
She performed this play at the Phil Kearny Civil War Roundtable in Pearl River, N.Y., along with various historical societies in northern New Jersey
Pellegrino met John McCarty, an independent film producer, while performing improv of Varina at the Civil War Heritage Musical Festival.
Their collaboration resulted in the film, which was shot in 2014 in Stephentown, N.Y.
It delves into Varina’s family and childhood, her marriage, public life, Civil War memories, post war struggles, her changed attitude toward slavery and her vision for the country.
The hour-long program is free and open to the public.
Next month’s 3rdthursday program on Aug. 15 will be Deciphering Grief presented by Rev. Sherry Miller.

domain: library


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Request Free Demo
Managing employee permission can be a burdensome task. The requests arrive constantly and someone must answer them, make sure that the staff does not leave every day and register the different dates in the payroll system of the company. The process of managing permits in many companies still involves paperwork: employees have to print a permit form, complete it, look for a signature for their manager and then send it to HR. It is a real headache! But it really does not have to be so complex. Here are five steps you can take to create an efficient employee Leave Management Software.
Familiarize yourself with the law:
The earliest step in establishing a suitable employee chatbot enable Leave Management Software is to make famous you with effort legislation. You have basic information of what applies to your business in its different locations, in order to notify your employees consequently.
Check your payroll software to see how many days of leave are entitled to your employees in accordance with local law. This includes family emergency leave, sick leave, maternity and paternity leave, as well as holidays. No two countries have the same legislation, but with a chatbot enable Payroll Software of several countries in place, you will have all the necessary information at your fingertips.
Create a clear policy:
Once you are familiar with the law, establish an unambiguous permit policy for your employees and communicate it clearly. Workers have the right to know how many days of general leave they are entitled to, and what conditions they must meet to qualify for additional leave.
You should also establish a clear absence notice period in your company’s policy. This needs to cover how much time in advance employees must apply for the license and highlight days that are out of bounds. To avoid employee unhappiness, the same rules should apply to everyone, regardless of their position.
Make the application process easy:
If your employees have to send an email to the HR department to request a permit, and then have to wait anxiously for an answer, or look for several people to obtain authorization, then your company is operating in the past.
These outmoded processes are unnecessarily verbose and create time-consuming delays. They also demand much more hours of personnel and attention, which takes away valuable resources from a more strategic job. The best way to avoid this and maximize efficiency in place is to establish a self-service system for the employee to process leave requests.
Self-service online employee software allows workers to apply for the license from anywhere and at any time. The system will inform you immediately if your permits are granted, if there are no free days left, or if too many co-workers are already absent during that time.
Integrate your HR and payroll software:
Each time an employee retires, the payroll software must be updated. It is necessary that there is a clear record of who goes on vacation when and how many days of work each employee must pay.
All you have to do is integrate your Human Resources and Payroll software, and make sure that the data is automatically shared between the applications. This will reduce your administrative workload and that of your team, and give you more time to focus on other businesses.
The problems related to payroll can be solved with considerable ease due to the adoption of human resource chatbots. Employees can view and download their documents and can also raise questions related to salaries such as tax deductions and other relevant inquiries.
In addition, chatbots can help in the reimbursement process, allowing employees to submit expenses, claim refunds and raise travel requests through a simple chat interface.
Keep an absence calendar:
Critical to the success of any business is knowing who will be (and will not be) working on a given day. Managers need this information to plan tasks, and teams need to know when their colleagues will be absent so they can work efficiently to meet deadlines.
An efficient chatbot enables Attendance Software depends on a well-maintained schedule of absences. The information is completely visible and is updated in real time, which guarantees that only the most recent data are used and shared.
However, if your payroll system does not have a built-in absence schedule, set it up in an easily accessible online location and make sure it is always up-to-date.
Managing employee licenses do not have to be a complicated or slow brain drain. With modern technology, you can set up an employee permit management system that practically runs on its own!
Here is the list of features which you can get by using PeopleQlik:
- PeopleQlik Core
- Core HR Software – HRMS
- Cloud Payroll Management Software
- Employee Self Services
- HR Analytics Software
- Corporate Wellness Platform
- Performance Management Software
- 360-degree feedback form
- Compensation Planning & Administration
- Social Recognition
- Workforce Administration
- Leave Management Software
- Time and Attendance Management Software
- Shift & Scheduling
- Claims & Reimbursements
- Timesheet Management Software
Request Free Demo

domain: law


Northwestern Mutual becomes title sponsor of Woods' World Challenge
Northwestern Mutual will announce today that it is the new title sponsor of the 15th annual World Challenge, the end-of-season tournament that Tiger Woods hosts at Sherwood Country Club in Thousand Oaks, Calif.
The Northwestern Mutual World Challenge will be held Dec. 2-8 and will feature Woods and 17 of the PGA Tour's top players, who will compete for the $1 million top prize.
The tournament, co-sponsored by the Tour, benefits the college-access programs of the Tiger Woods Foundation.
Milwaukee-based Northwestern Mutual was the presenting sponsor of the World Challenge in 2012 and opted to expand into the title sponsor role for 2013.
"Northwestern Mutual has been an excellent partner over the years and we are pleased that they will be the title sponsor of the World Challenge," Woods said in a statement. "I'm really looking forward to competing this year. This event welcomes a fantastic field and it's always fun to come home and play in front of the Southern California fans."
- Kendall has fond memories of 2004 British Open at Royal Troon
- Sauers, Toledo fire 63s, share first-round lead in AmFam Championship
- Big turnout for AmFam Championship creates traffic snarl
- Edgerton's Ferrell sisters in Symetra Tour event
- Kaddy Korner: Another missed cut in Nashville
- Five advance in American Family Insurance Championship qualifying
- Milwaukee County Parks offering free golf to kids
- Favre to play in AmFam Championship celebrity scramble
- 10 state golfers in U.S. Open sectional qualifying today
- Skip Kendall gets exemption to play in AmFam Championship


Commercial HVAC Services in Hendersonville, TN
Call Now: 615-829-9699
At Covenant Heating and Cooling, we understand the stress and the frustration involved when something goes wrong with the HVAC system at your Hendersonville, TN commercial property. Business owners are often forced to contend with communication mishaps, difficulty with executing various projects, inaccurate or incomplete system diagnosis, and the lack of service availability amongst HVAC Technicians. There’s no reason to worry when you do business with us.
- Our technicians are NATE-certified, licensed, and insured.
- We’ve served Hendersonville since 2010.
- We are dedicated to providing quality service and customer care.
We have a reputation for quality customer service. We specialize in commercial HVAC, indoor air quality, and lighting services to help you care for your entire space.
Contact us today to learn more! We stand strong by our motto of “Dedicated to the Promise of Serving You.”
Safety is Our Priority
We are a family here at Covenant Heating and Cooling. That means that our employees’ safety and wellbeing is of utmost importance. We want to take care of our staff so that they can properly take care of your business and your employees as well. In addition to benefitting our team, this focus on safety is advantageous to you and your commercial space.
With such a high focus on safety, that means we care about the liability presented to our employees when they set foot on your property. You should not be financially responsible should an incident occur, and you won’t be. Our commitment to the safety of our staff includes ongoing OSHA training, monthly safety meetings, a consistently low experience modification factor, and random drug testing.
Why Choose Our Team for Your Commercial HVAC and Electrical Services?
There are a number of benefits to choosing Covenant Heating and Cooling for your commercial HVAC and electrical services, including the fact that we tailor these services for your specific commercial space or business needs. In addition to serving as Design Build Partners, we offer:
- Tailored HVAC maintenance programs
- Quarterly repair logs
- Maintenance training workshops for facility maintenance teams
- VRF (Variable Refrigerant Flow) systems and services
- Geothermal systems and services
- Project consultation
Don’t leave these important services to just anyone. It’s important to keep in mind how much rides on your commercial HVAC system working the way it should, when it should. If your commercial space is sweltering hot on a summer day, for example, it could mean a significant business interruption and loss of profit. The same goes if the building is too cold in the winter.
Your Commercial HVAC System Options
Every commercial space is different, and as such will require a unique way to heat and cool the space. Our commercial HVAC Technicians will ensure that you have the right type of HVAC system to see to the comfort needs of your customers, employees, or clients—in addition to the safety and protection of our staff and your commercial space.
Among the different commercial HVAC systems we install and service is the rooftop unit. This type of system is very versatile in that it saves space and that if your business and commercial space grows to the point that you need additional heating or cooling, it’s simple to add another unit on.
Just like a residential system, commercial HVAC products only work as well as they’re meant to if they are professionally installed and well taken care of. Ask us about our Covenant Care Plan, which includes an annual maintenance visit, discounts on services and projects, and labor warranties. We look forward to serving you!


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It?s a well-worn sports cliché, that football is a game of inches. But, for one Ellensburg 8th grade football team, this season has been about much more than just inches. What sets the Morgan Middle School Tigers apart are not inches ? but, feet; specifically, the 7?4.6? of wide receiver Brenden Adams.
According to the Guinness Book of World Records, Brenden is the tallest teenage boy in the world. Playing football has been a lifelong dream, but one very few people thought possible. ?This is the first year my mom?s let me play,? says Brenden. ?She thought I was gonna get hurt or something. It?s my favorite sport and she said this is an opportunity she didn?t want me to miss.?
Brenden couldn?t have been a more average newborn. He weighed seven pounds, three ounces and was a very average 19.25? long. But, by the time he was five months old, doctors knew something wasn?t right. Brenden had all of his teeth by then. In five months, he gained 14 pounds. Doctors knew he was growing fast, but it would be years before they could figure out why.
?It was my 12th chromosome that broke in half and flipped over and reattached,? explains Brenden. No one knows why it happened, but they don?t think it?s ever happened to anyone else in the world. While doctors tried to figure out how to stop it, Brenden kept growing. At two years old, he was three and a half feet tall, about six inches taller than the average kid his age. By five years old, he was four and a half feet tall. By the time he turned 11, Brenden was six feet, eight inches tall. Everywhere he goes, people stare.
?When I go to a big city or something, I?ll always get somebody stopping me and saying ?do you play basketball??? But, despite his love for sports, Brenden is no athlete. He has serious health problems. His body is full of tumors, his joints are enlarged and he has a recently-discovered heart arrhythmia. ?I can?t run anymore,? Brenden explains. ?I can?t be active like I used to.?
His story has attracted national attention. Last year, he was a guest on the Oprah show and she introduced him to NBA star Shaquille O?Neal. They spent the day together and Shaq gave Brenden some hard-to-find size 22 shoes ? and, a lesson about being different. ?He said ?just keep your back straight and have fun,?? Brenden remembers.
Still, Brenden was desperate to play football. He didn?t want to the manager/waterboy like last year. ?This year he asked if he could play for the team,? says Brenden?s coach Kevin Wetzel. ?I said if you can get a doctor?s clearance, we?d be happy to have you.?
But, getting that doctor?s clearance wouldn?t be easy. Brenden?s blood counts were so abnormal, doctors worried a broken bone could cause him to bleed to death. But, a surgery to remove his enlarged spleen last year got his blood counts back to normal. His mom had no choice but to give her blessing. Now, he?s side-by-side with his best friend Ryan Secondi. They?ve been friends since they were babies ? now, they?re teammates. ?It?s great,? Secondi says. ?He?s part of the team. He works just like all the other people.?
The arthritis makes it hard for Brenden to even be on the field. It?s hard for him to catch the ball and when he gets cold, his joints ache even more. ?He can?t run, he can?t really jump,? says Wetzel. ?There?s not a whole lot he can do. If you want to get him some action, you have to be creative.?
And, they have. They designed a play just for Brenden. All he has to do is get out about five yards and the quarterback lofts up the ball. They call it their secret weapon, because no 8th grade defender can jump as high as Brenden can reach.
For Brenden, it?s not about winning. It?s not even about playing time, as Brenden has only been in the game for a couple of plays this season. For Brenden, it?s just about being on the team and on the field. Out there, he?s just another 14-year old kid in a jersey and shoulder pads. He?s taught his teammates and his community there?s more to him than just being the tallest kid in the world. ?Don?t think people are weird just by the way they look,? says Brenden. ?Because I?m a nice person.?
Medically, things are looking up for Brenden. Doctors gave him testosterone shots over the last several years; that process induced puberty so his growth plates would close. He hasn?t grown an inch since February.
For more on Brenden Adams' amazing story check out this video for additional information.
© 2011 KXLY.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without prior permission.

domain: sports


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This is not the most timely of posts, but at this point, nothing on my blog is timely. I've been mulling over what to write about this for a little while, and the additional time has allowed the emotions to run down.
As far as I can tell, the two major camps on this issue are as follows:
Opinion 1: A Ferguson cop shot an innocent, unarmed black kid for walking in the street.
Opinion 2: A Ferguson cop shot a black thug who had just robbed a store, and was charging him.
These two opinions as stated here are obviously the simplified forms of the longer narrative, but I think that they serve as a useful distillation. There are also a few facts that both sides (except for the most extreme) can agree on. The Ferguson police officer did shoot an unarmed black teenager, Michael Brown, six times. There was at least one shot fired inside the car. Michael Brown had just previously robbed a store.
These facts are not really disputed at this point, but the real story is definitely the aftermath. The initial statements and evidence did not include the information about the robbery, or any forensic evidence of where Brown was shot, just leaving the shooting of an unarmed black teen. This instigated protests against the police, using the phrase 'hands up, don't shoot' as a rallying cry. Some destructive individuals decided to use these protests as a jumping off point to loot and vandalize some local stores. This lead, somewhat predictably, to a larger police response.
In some ways, I think the police response is the bigger story, and it has highlighted something that Libertarians have been talking about for years: the militarization of the police force. Suddenly the mainstream press started to care about the use of military equipment and resources by the police. In a most ironic twist, the people who were saying that we need more gun control, and that self defense with a gun is not needed because of police, were now saying that the police are brutal and should not be trusted, but protested.
There has also been a lot of discussion about the race aspect of the conflict. The population of Ferguson is mostly black, and the police are mostly white. I think that certainly plays a part in this, but I think that the power of the police is more significant. We should not be trusting a police force just because they share skin colors with the people that they are supposed to be policing. We should be holding them accountable.
One measure that I think is reasonable for the police (or any public official) to take is personal cameras. While I can understand that some operations (undercover, for example) would require the removal of the camera (assuming that you consider those necessary, which I'm not sure if I do), I think that police should have to wear cameras and microphones that record all of their activities. While it would be a breach of privacy for the officers on duty, it is a sacrifice that should come with having legal power over others. The citizens that are interacting with the police are already at risk of legal action, but this would mean that the officer would have to tell the truth about any incident they report, rather than being able to embellish or fabricate the scenario.
Some police departments are experimenting with this already, like in New Orleans. I hope that this particular trend continues so that we can better hold law enforcement accountable.


at work I have to try and image a Microsoft surface 3 pro tablet. I have been able to boot it to a dvd drive, but I need a wired network connection in addition to the dvd drive. If I boot with just the dvd player plugged into the one and only usb port, it will boot fine, but since I need two usb devices ( the dvd player, and a usb to Ethernet device ) I tried using a usb hub. When the usb hub is plugged in, it won't boot to the dvd player. My theory is that the usb hub doesn't have enough power.
So I thought if I tried making a bootable usb drive, maybe that would work, however, when I create the usb drive, it won't boot to the drive. I confirmed that the usb drive will boot a normal computer. I started thinking, maybe if I could make the usb drive look like a dvd, for instance, is there a way to make the usb drive imitate a dvd drive, then maybe the surface would boot off the usb drive.


Redmi Note 8 (2021) should be powered through the MediaTek Helio G85 SoC.
Redmi Note 8 2021 variant is in the development. Several key specs of the Redmi smartphone have surfaced online. Some of them consist of 4000mAh battery, speedy charging support, MIUI 12.5 and more.
Redmi Note 10S launched in India on Thursday through an on-line launch event. Launched at a beginning fee of Rs 14,999, the smartphone will be reachable for the first time on May 18 on Amazon and Mi.com. While we thinking Redmi will give up right here for now, it seems the employer has greater plans in inventory for the upcoming months. Also Read – Redmi Note 10S in pics: A nearer appear at the upgraded Redmi Note 10
A new record now suggests that the Redmi Note eight 2021 version is in the works. Ahead of the reputable release, countless small print about the upcoming Redmi machine have surfaced online. You ought to be aware that the telephone isn’t verified via the organisation but so take the statistics with a pinch of salt. Also Read – Redmi Watch first look: Here’s a nearer appear at Redmi’s first smartwatch
Redmi Note 8 (2021) specs have surfaced on line by means of an FCC listing. While Xiaomi has already launched the Redmi Note 10 collection in the Indian market, it is searching to refresh a couple of historical handsets with new specifications. A new Redmi Note 8 (2021) has reportedly been noticed on quite a few certification web sites like FCC and EEC hinting that it may additionally be a work in progress. The phone’s key specs have additionally leaked on line via social media tipsters. Redmi Note 8 (2021) is said to be powered by means of the MediaTek Helio G85 SoC.
XDA Developers’ Kacper Skrzypek took to Twitter to share that a new Xiaomi handset with the mannequin range M1908C3JGG used to be noticed on FCC certification site. This mannequin wide variety is related with Redmi Note 8 (2021), the tipster later delivered citing “one of Xiaomi’s pages.” The FCC record leaks that the telephone can also be powered by using the MediaTek Helio G85 SoC, packs a 4,000mAh battery and runs on MIUI 12.5. The equal mannequin quantity was once additionally noticed on European EEC certification as well.
Tipster Xiaomiui similarly goes on to tweet that Redmi Note 8 (2021) will no longer be launching in India, Indonesia, and Turkey. Its codename is slated to be Biloba and will possibly launch in global, EEA, and Russia markets. Leaking specifications, the tipster in addition reiterates that Redmi Note eight (2021) might also be powered through the MediaTek Helio G85 SoC and pack a 4,000mAh battery. The smartphone is pronounced to provide 22.5W quick charging support.
There is predicted to be a quad digicam setup on the returned of Redmi Note eight (2021) that is in all likelihood to encompass a 48-megapixel essential sensor, an ultra-wide sensor, any other depth sensor, and a tele-macro lens. Redmi Note 8(2021) is tipped to characteristic a full-HD+ show with a 60Hz display screen refresh rate, though Xiaomiui additionally noticed references of 120Hz refresh charge as well. It will probable have a waterdrop-style notch, pack 4GB of RAM and provide 64GB and 128GB storage options. Connectivity choices are tipped to encompass Wi-Fi 802.11 ac and Bluetooth v5.
Redmi Note eight 2021 version in the works
The Chinese smartphone producer Xiaomi launched the Redmi eight sequence in 2019. The collection until date consists of telephones such as the Redmi Note 8, the Redmi Note 8T, and the Redmi Note eight Pro. After almost two years, Xiaomi now plans to carry a new addition to the sequence dubbed the Redmi Note eight (2021) edition, a new file suggests. Also Read – Redmi Watch vs Amazfit Bip U: At Rs 3,999, which of these watches would you pick?
As mentioned via MySmartPrice, the Redmi Note eight (2021) has seemed on FCC and EEC certification web sites with some of the key details. The smartphones has been listed with mannequin variety M1908C3JGG on the certification websites. In addition, Kacskrz, a Xiaomi tipster, noticed the upcoming Redmi Note eight (2021) moniker on one of Xiaomi’s reliable page.


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I was born and raised in Costa Rica. I am the 4th child of a big, fun, loud family. Creativity and art were always predominant elements in my life. I was a loner child; always experimenting with writing, painting, reading and dancing.
Later on I understood that my home didn’t have any creative opportunities for me and by age 20 -an age where all my friends seemed to have their lives figured out- I left to NYC.
While I was living my own version of the American Dream by 2007; I noticed that I was obsessed with handbags and I started becoming very curious about how to make them. And so I applied to FIT. Unfortunately, some documents from abroad didn’t arrive on time and I missed the deadline. I was devastated but my need for learning was bigger than my disappointment and I made the bold decision of buying my first sewing machine to teach myself how to make handbags.
Two big things happened that helped me consider making this passion a business: I interned at Rebecca Minkoff office in NYC and one of my handbags was featured in About.com.
Nowadays, I’m living in Israel and my purses have been featured in fashion magazines, worn by models and influencers. I own an industrial cylinder machine, a skiving machine, a huge photography box and a studio where I get to enjoy the full process of turning my sketches into a reality. From the sketch to the pattern, leather choice and high end paint that I apply to the raw edges of most of my purses. It’s the love, materials, quality and the stories that make my bags so special.
Painted edges and visible polished screws are present in a lot of my recent work . A way of self expression that I’ve been able to explain through a hashtag I use in Instagram: #LuxuryWithATouchOfBadass
I do what I do to satisfy the needs of women that are more individualistic and expressive. We live in a society where women are constantly being asked to stand out less; my designs communicate a very different message: Stand Out More, Proudly!
As a breast cancer survivor, I’m an official partner of the National Breast Cancer Foundation. 5% of every bag sold through my site goes to this cause.

domain: hobby


New facilities and tunnels: Russia, the US, and China are actively building nuclear test sites. Satellite photos
Russia, the United States and China have built new facilities and dug new tunnels at their nuclear test sites in recent years, according to new satellite imagery. This comes as tensions between the three largest nuclear powers have reached their peak in recent decades.
This was reported by CNN. While there is no evidence that Russia, the United States or China are preparing for imminent nuclear tests, images provided by a prominent military nonproliferation analyst illustrate the recent expansion of three nuclear test sites compared to a few years earlier.
One of these sites is operated by China in the far western region of Xinjiang, one by Russia in the Arctic Ocean archipelago, and the third in the United States in the Nevada desert.
Satellite imagery over the past three to five years shows new tunnels under the mountains, new roads and storage facilities, and vehicle traffic entering and leaving these facilities, said Jeffrey Lewis, an adjunct professor at the James Martin Center for Nonproliferation Studies at the Middle Institute.
"We're seeing really a lot of hints that Russia, China and the U.S. may resume nuclear testing," he said, something none of these countries have done since underground nuclear testing was banned by the 1996 Comprehensive Nuclear Test Ban Treaty.
Retired U.S. Air Force Col. Cedric Layton, a former intelligence analyst, studied images of the three states' nuclear facilities and came to a similar conclusion.
"It's quite clear that all three countries-Russia, China, and the United States-have invested a lot of time, effort, and money not only in modernizing their nuclear arsenals, but also in preparing the activities that will be required to conduct tests," he explained.
Analysts say the expansion risks triggering a race to modernize nuclear weapons testing infrastructure at a time of deep mistrust between Washington and the two authoritarian governments, although the idea of an actual armed conflict is not considered inevitable.
"The threat of nuclear tests lies in the extent to which they accelerate the growing arms race between the United States, on the one hand, and Russia and China, on the other. The consequences of this are that we are spending huge amounts of money, although we are not gaining more security," Lewis said.
After the Russian military invaded Ukraine last year, analysts also noticed the expansion of the country's nuclear test site at Novaya Zemlya in the Arctic Ocean archipelago.
In mid-August, the facility gained renewed attention after a visit by Defense Minister Sergei Shoigu.
The Novaya Zemlya test site was first used by the Soviet Union to conduct nuclear tests in 1955, until the last underground explosion occurred in the USSR in 1990. During this time, 130 tests involving more than 200 devices were conducted at the site.
Satellite imagery obtained by CNN showed that from 2021 to 2023, large-scale construction was underway at the Novaya Zemlya test site, with ships and new shipping containers arriving at the port, roads being cleared in winter, and tunnels being dug deep into the Arctic mountains.
Increased activity was also detected at China's Lop Nur nuclear test site, a dried-up salt lake between two deserts in sparsely populated western China.
Satellite imagery shows that a new, fifth underground tunnel has been excavated in recent years, and new roads have been built. A comparison of images taken in 2022 and 2023 shows that the pile of soil is steadily increasing in size, leading analysts to believe that the tunnels are expanding.
In addition, new construction is underway in the main administrative and support area. In 2021 and 2022, a new vault was built that can be used to store explosives.
As for the United States, every few years, an unclassified version of the Nuclear Posture Review is released, which provides an overview of the role of nuclear weapons in the country's security strategy.
The latest report, released last October, said Washington would only consider using nuclear weapons under "extreme circumstances."
The US conducted its last underground test in 1992, but Lewis said the US has long been on a nuclear test alert.
Commercial satellite imagery over the Nevada Test Site shows that the underground facility - the U1a complex - was significantly expanded between 2018 and 2023.
A report by SIPRI (Stockholm International Peace Research Institute) says that Russia and the United States currently have about 90% of all nuclear weapons in the world, with the United States estimated to have more than 3,700 warheads and Russia about 4,500. Both countries keep their strategic nuclear arsenals on alert, meaning that nuclear weapons can be launched at short notice.
China's nuclear arsenal increased from 350 warheads in January 2022 to 410 in January 2023.
As reported by OBOZREVATEL:
- Propagandists on Russian television discussed which of the Ukrainian cities would be better to strike with tactical nuclear weapons. Odesa and Lviv were mentioned as options.
- Russia never tires of threatening Western countries with a nuclear strike. This time, one of the central Russian TV channels aired such threats against the United States.


text:
USSR Comp To 5 vote (ends Friday @ 11:59pm Eastern)
COTW Sept 16-22 vote (ends Friday @ 11:59pm Eastern)
We start off today with a missed concept from Tom V. It was supposed to be posted a couple weeks ago. Sorry for the inconvenience Tom!
New Jersey Devils Alternate Concept - (Tom V.)
Okay, look at this thing. First think I noticed was the tweaked logo. And honestly, this is what their logo should be. It really brings out the 'N' more, which I think is needed. When I was a youngin, I always thought the logo was a 'J' with it's legs being crossed in a sexual pose. I was very confused. To the jersey, I always like to see NJ go to the throwbacks, but I just like the red and black color scheme better. The striping is a good pattern, especially since it carries over to the yoke. I just get a huge christmas, candy cane feel from this though. I always thought a Devils alt, with black and red, but small green elements, like the silver on Buffalo's home and road. So, this is very well executed, obviously from Tom. A nice looking jersey, not a direct throwback being recolored. Concept Rating [7.9/10] Very tough to rate this one IMO. Let us know what you think in the comments.
Winnipeg Jets Concept - (Dylan W.)
So, I have one of my concepts on today's post. Usually I just tell you it's mine and leave it at that, but when I have the chance, why not give some background? For this concept I wanted to add the different ERA's of the Jets' jerseys. I used the old red and blue instead of the current. Then I have a cross between the current striping, and the arm sleeve pattern. I had 2 other ideas going into this one, but could never make it work. This is the first concept of my changed NHL concepts. I will slowly be doing more. But my goal is to make every team have a new jersey identity. I'm trying not to make just small changes. Although I might have to on some teams. Concept Rating [10/10] I'm just that good.
Buffalo Sabres Alternate Concept - (Stephen T.)
These next two concepts are the concepts I referred to at the beginning of the post. I'm not sure if this was a guess, or a fix concept. Regardless, I have the same opinion. Same goes with the next concept. What can I say? It's the Buffalo Sabremen. I don't like the jersey they came out with, solely for the fact that it has a cape like coloring. I did a fix, that is the front of the jersey directed to the back. I think the regular arm sleeve with the 'sword' white outline looks really cool. So, If this is a fix, theres a long way to go. I just hate the cape look. Not much to say else wise. So sorry if it's harsh, but it's just not a good hockey jersey. Just an execution note. The logo is off centered. Concept Rating [3/10]
Buffalo Sabres Alternate Concept - (Brian B.)
Brian always has his concepts posted to Icethetics it seems. So I know Brian has great taste in hockey jerseys, and If I remember correctly, this was a guess, and was posted before the jerseys were released. And, again, looks very ugly. I think just in general, there needs to be more white. I really hate the silver/gray/grey color for the Sabres. Why they brought that in? I don't know, but it needs to go. And this is less cape-like, but I think there is less of a transition going to the blue back, which looks very weird. Out of these two posted today, I still might take over the actual one though. So again. Ugly ugly jersey concept. But, I think these were guesses, so It doesn't bother me. Concept Rating [3/10]
Sibir Novosibirsk (KHL) - (Jake88)
Right away I can see a very clean jersey look. Which is always good. The thing that makes this look classic is that it has the Detroit switched arms, but still isn't almost a copy. I think it's rare to see that with the squared off yoke. Also we get the arm stripes where the TV numbers are also located. I think this is a good fit for the KHL. Looks nice and classic, but at the same time, it's different, and original. Honestly, I have nothing else to say. I wouldn't know how to fix it though going in this direction. Let Jake know in the comments if you have any fixes. Concept [8.2/10]
Team Scotland (IIHF) - (UltraMundane)
Not sure if Ultra Mundane is your name, but if it is, that's an awesome name. I didn't know whether to space it out, so hopefully you can correct me. The jersey, hmmmmm...kind of empty. I'm trying to think, but other than the no hem look San Jose, and Phoenix has, I can't think of a jersey design with almost no arm striping/sleeve design. I got a concept before almost like this, and it just looks unfinished. Kind of off topic, but could you imagine if NIKE unveiled these for a jersey? I might actually love it compared to what they have unveiled recently. But my opinion still stands. It needs some sort of arm or sleeve design, maybe with a matching hem, but it looks very empty. Concept Rating [5.9/10] Leave a comment of what you think about this look. Does it need an arm stripe?
Muskegon Lumberjacks (USHL) - (Devin S.)
Out of all the edited nhlunforms.com image looks, I think this is pretty well executed. I think Colorado's look would really fit this team. And, that color scheme, is something I don't like, but I still think that design helps out a lot. For the third jersey, I would match the hem and arm striping. I would personally use the hem striping for the arms. If you need help with starting up your own concepts. Go to the TUTORIAL page. It should help out a lot! Concept Rating [7/10]
New York Islanders Concept - (Justin S.)
Another concept to Justin De-Edge series. He gives the Islanders the Edge change almost. The changes are the hem, and the phantom yoke stripe. I really liked that look for the Islanders, not as much as their current, but it was a nice look in my opinion. One thing I would change here is to make the blue, the original blue the have. And to make the Lighthouse logo a different color than the baby blue it has on it right now. With the look you are going for, these are really nice. The changes to make it better I already said, but if it didn't change, I still might not mind it. Concept Rating [7.9/10]
New York Islanders Vintage Concept - (Matt R.)
Is this a new Vintage series started up? If so, the cream vintage white color is going to make me faint. But that's okay. I understand the focus. For this concept, I see a lot of potential for a good looking jersey. One thing that really pops out..or doesn't really, kind of ironic. But the cream and orange really look close in color, and I think it makes it look really dull. The jersey seems like it was put in the washing machine too many times. And...in retrospect, it's supposed to look like that. The lighthouse logo on the striping didn't tickle my fancy at first, but it's starting to grow on me. Nice jersey design, it just needs to be cleaned. Literally, get the old food stains off! Concept Rating [7.7/10]
New York Rangers Concept - (Matt R.)
Not sure if this is the same vintage concept series, because it looks vintage, but it doesn't say Vintage Concept. Anyways, The thing I like about this cream color is, it's less gold. I just noticed that about the Islanders concept. It's more gold than cream. Anyways, this looks is something I really like. The simple 2 stripe color. And the blue cuff with the stars is a nice touch. I always thought the shield logo would be cool to see on a third jersey, and this would be a great fit. All you would have to do to make me absolutely fall in love and buy one is if the jersey was white. Concept Rating [9/10] COTW nomination from me.
Do you agree with my stance today on the jerseys? Disagree? Let us know in the comments, and help out these artists! Remember, if you want to be a writer for this great site, put in your mock posts so you have a chance! Have a nice day guys!

domain: design


text:
Who agrees to an arranged marriage in the 21st century? Beth Malone can’t believe a date request with the 1Night Stand service morphed into an arranged marriage offer. But after a heartbreaking divorce and no knight in shining armor coming to sweep her off her feet, her desire to find that knight and have a family is looking more like a dream than a reality.
Source: ebook from publisher
Historical fiction novel set in the Bronx in the mid-1960s
Take a seven day journey with the five, newly orphaned Peach kids, as they begin their struggle to remain a family while planning their dad’s funeral.
They find an ally in the local parish priest, Father Tim Sullivan, who tries his best to guide them through the strange, unchartered and turbulent waters of “grown-up world.” A story that is sad, funny, and inspiring as it shows how the power of family love and faith can overcome seemingly insurmountable obstacles.
Ever feel like someone’s watching you? Me, too. But lately it’s been happening in my room.
When I’m alone.
A friend posted a video of me dancing online, and now I’m no longer Alicia Ruffino. I’m dancergirl. And suddenly it’s like me against the world—everyone’s got opinions.
My admirers want more, the haters hate, my best friend Jacy—even he’s acting weird.
Set in the future when teenagers are monitored via camera and their recorded actions and confessions plugged into a computer program that determines their ability to succeed. All kids given a “score” that determines their future potential. This score has the ability to get kids into colleges, grant scholarships, or destroy all hope for the above.
When baker extraordinaire Leilani Trusdale leaves New York City for Georgia’s sleepy Sugarberry Island, her past follows in the form of her former boss, Baxter Dunne. Baxter, otherwise known as Chef Hot Cakes, wants to film his hit cooking show in her tiny cupcakery. Last time they worked together, Baxter’s molten chocolate brown eyes and sexy British accent made Lani’s mouth water and her cheeks blush the colour of raspberry filling…Lani’s friends are convinced that this time around, Baxter is the missing ingredient in her recipe for happiness.
At Mythos Academy, teen warriors in the making train to take up their roles protecting humankind. With her snarky, self-deprecating voice and strange gift of psychometry – the ability to know an object’s history just by touching it – Gwen Frost is an outsider both to the students of the Academy and the rest of the world.
Violet Knowlton is betrothed to the sensible, if tedious, Sir Godfrey Maitland. When Godfrey escorts her to a fencing demonstration, she looks forward to the adventurous diversion, but everything changes when she realizes the swordsman displaying his skill-and dashing good looks- is none other than her childhood friend Kit.
Life was always just about perfect for Brooke Madison Bowers. She was the prettiest, most popular girl in small-town St. Dennis, Maryland, a prom queen, local pageant star, and the pride and joy of her loving parents. She even married the man of her dreams. But the promise of happily ever after fell to pieces when her husband was killed while serving in Iraq.
As Tara and Flynn are closing in on Dee Dee Broyles’ killer, a deadly new ghost begins to threaten them. It’s just another day in Tara’s lunatic life . . .All during the day at school, Tara kept picturing the moment when she and Nate would find DeeDee’s grave.
Summertime for Blair Reynolds and her friends had always been carefree and fun…until the summer they happened upon something that was not human. As they band together in a fight for their lives, Blair’s true love becomes something more than human. Something unnatural. And their survival depends entirely upon their ability to keep a secret.

domain: literature


Engine: LS V8
Mileage: 0 ( undocumented )
Body Style: Coupe
Exterior Color: Black
Interior Color: Red/Black
For sale in our Nashville showroom is a 1964 Chevrolet Impala coupe. This 1964 Impala for sale is laser straight and looks like it was just dipped in black paint. The paint job on this car is something I could go on and on and on about. Deep and clear this paint will reflect your reflection back so clearly that you will be able to check your hair or makeup depending on your preference (trying to stay politically correct here but it isn’t easy for me) Add to this incredible paint job bright shinny chrome and red leather interior and you get the picture, classic later sixties early seventies look but wait, this car sets low and lean with staggered billet specialties rims that are surrounded by 255-45R-20’s in the rear and 235-40R-18 in the front. Looking under the hood had me puzzled for a minute, I kept looking for the 327 small block Chevy that I was sure should be there. Upon closer inspection, I noticed that it had been replaced with a LS-3 that had a set of Headman® headers strapped to the sides of it. Backing this marvel of modern technology is a 4L60E, a 4 speed automatic transmission that gives you the jump from the start to the low RPM’s you need on the highway for fuel savings and engine durability. A Moser ® rear axle houses the rear gear set. Everywhere I looked I noticed upgrades like a Hydratech® Brake booster and a cold air intake to name a few. Ok, this is not a late sixties build this is a current resto mod and man it was done right. One look as you walk up to this low, dripping wet black paint Impala and you will notice the drilled and slotted rotors that have a set of Baer calipers to squeeze the pads to give you the whoa, that you need with all the go under the hood. On the inside of this ’64 Impala for sale you will notice the red leather interior looks new and has black accents, the dash is digital to make sure you are provided the proper information at a glance. So, if you happen to be looking for a super straight beautify painted black 1964 Impala with a drive train that will make the hair on your arms stand at attention and provide you with all the durability and longevity for a modern drive train, then, well, what are you waiting for? Options for this 1964 Impala include, AM/FM radio with CD player, Power steering and brakes, Tilt steering wheel, Ride control, Anti theft system, Leather interior, and Aluminum alloy rim. For more information about this incredible ride call the Nashville showroom at 615-213-1800 or email us at email@example.com
Numbers Matching and Original Mileage Cars
If marked as such, the Owner states, this vehicles as numbers matching and/or original mileage. It has not been verified by Gateway Classic Cars. As such Gateway Classic Cars is not guaranteeing the authenticity of this claim. Buyer is encouraged to verify this information on their own, prior to purchase.
All Vehicles are sold AS-IS.
This vehicle is being sold AS-IS, WHERE-IS, with no warranty, expressed, written or implied. Gateway Classic Cars and its affiliates shall not be responsible for the correct description, authenticity, genuineness, or defects herein, nor is responsible for any omissions or errors in advertising and therefore makes no warranty in connection therewith. No allowance or set aside will be made on account of any incorrectness, imperfection, defect or damage. Any descriptions or representations are for identification purposes only and are not to be construed as a warranty of any type. It is the responsibility of the buyer to have thoroughly inspected the vehicle, to their satisfaction to the condition and value, prior to purchase. Gateway Classic Cars and its affiliates shall and will make every reasonable effort to disclose any known defects associated with this vehicle at the buyer's request prior to the close of sale. Gateway Classic Cars and its affiliates assumes no responsibility for any repairs regardless of any oral statements about the vehicle, post sale.
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#7540-STL St. Louis
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text:
When a judge says a bank’s borrowers could afford its loans if they cut down on Wagyu beef and fine shiraz, the accusation that the judiciary is out of touch is not a hard one to make.
That was the case last month, when the federal court judge Nye Perram threw out a case brought by the Australian Securities and Investments Commission alleging irresponsible home lending by Westpac.
Consumer groups exploded, and the ruling went down badly with a regulator that had been told by the banking royal commissioner, Kenneth Hayne – himself a former high court judge – to be quicker to resort to the courts.
But it was only one of a series of cases over the past few years, dealing with everything from door-to-door vacuum cleaner salesman to health insurance, in which judges have frustrated attempts by regulators to use existing laws to protect consumers.
Now Australia’s consumer regulator has called for the law to be changed to bar companies acting unfairly towards customers, after a series of court rulings that have raised concerns judges are out of touch with community expectations.
Rod Sims, the chairman of the Australian Competition and Consumer Commission, told the Guardian a new “unfair conduct” provision should apply across the economy and replace current provisions outlawing “unconscionable conduct” – a phrase rooted in the ancient law of equity that has been criticised because it brings with it connotations of deliberate wrongdoing.
His call adds weight to similar demands from regulators, judges and consumer groups who say the way the courts interpret the existing law is too narrow.
Even when regulators do win under current laws banning unfair contracts, as the ACCC did on Wednesday in a case against the hair clinic Ashley & Martin, the most that can happen is that the arrangement in question is set aside – judges cannot levy fines for breaches.
The Kobelt case
Frustration with judges among regulators came to a head in June, when Asic lost a high court case in which it alleged a man named Lindsay Kobelt engaged in unconscionable conduct in the way he gave credit to customers of a store he ran in an Aboriginal community in remote South Australia.
The facts of the way the “book-up” scheme operated, as found by the court, seem shocking: Kobelt advanced credit to his customers in return for custody of their bank keycards and their PINs.
Most of the credit was advanced to buy cars that had often done more than 200,000 kilometres – vehicles for which Kobelt charged a hefty mark-up in return for the loan.
When the customer’s wages or Centrelink payments arrived, Kobelt or one of his employees drained the account of all or nearly all of the money.
His records of who owed what were cramped, chaotic and barely legible – so badly kept that customers would have had considerable difficulty understanding the entries.
The case divided the court four to three, with the majority ruling that it suited Kobelt’s customers to allow him to drain their bank accounts and he did not exploit them or take advantage of their lack of financial literacy.
It was as if the judges thought buying a car through book-up was “the same as buying a tub of olives at South Melbourne market”, one experienced regulator told Guardian Australia.
Consumer groups also heavily criticised the decision, with the Consumer Action Law Centre saying it showed the law was not working to protect customers and calling for the rules to be changed.
One of Victoria’s most senior judges, the president of the court of appeal, Chris Maxwell, also took aim at the decision last month, saying he would have decided the case differently.
In a speech to the legal community, Maxwell traced the history of unconscionable conduct all the way back to the courts of equity set up in the 15th century and pointed out that proving it generally relied on showing “that the stronger party had knowledge, or at least exhibited wilful ignorance, of the weaker party’s disability”.
And he drew from the dissent written by one of the three judges in the minority in the Kobelt case, James Edelman, to point out that over the past few decades parliament had repeatedly tried to expand the definition of unconscionable conduct “in continued efforts to require courts to take a less restrictive approach”.
He asked: “Are the courts still being too restrictive? Or is the problem with the standard?
“It would certainly promote better understanding by all concerned – and, it might be hoped, higher standards of conduct – if we had a prohibition on conduct which was ‘in all the circumstances unfair’,” he said.
‘Change the test’
Sims says Maxwell’s speech and Edelman’s dissent “have helped clarify my personal thinking and I think the thinking of other people in the ACCC.
“I don’t think this is a matter of criticising judges at all, I think it’s a matter of now we’ve clearly got an issue,” he says. “It’s up to the legislature to be clear about what they mean, and if what they mean is unfairness, which I think they do, then we should change the test to that.”
He says he has also considered the problem in light of efforts to make banks behave better following the Hayne royal commission. “If you want to make banks act fairly, why not just make that the law,” he says.
While Sims is careful not to criticise the judiciary, others are more forthright.
In an article published this month in the Journal of Equity, three legal academics – Melbourne law school professors Jeannie Marie Paterson and Elise Bant, with student Matthew Clare – said the majority in Kobelt took an “unduly narrow” view of the law and their ruling would make it more difficult to pursue companies over business practices that hurt consumers.
The majority failed to consider that Kobelt’s book-up system broke credit laws or “squarely investigate the community or cultural values that were said to justify the business model operating in a remote Indigenous community,” the academics said.
The former Asic deputy chairman Peter Kell, who appeared before the royal commission while at the financial regulator, supports Sims’s call for a new law against unfair conduct.
“I think we now have enough cases on the books that we can safely say the unconscionable conduct provision sets the bar too high when it comes to bad market conduct,” he says.
“In particular, it sets the bar too high when it comes to conduct that harms the most vulnerable members of our community.”
The Consumer Action Law Centre has used its submission to a treasury review of the ACCC’s digital platforms inquiry to call for an economy-wide law against unfair conduct.
“The operation of the free market in Australia has failed to deliver fair outcomes,” the centre said in the submission.
It criticised the high court majority in Kobelt for failing to heed parliament’s attempts to broaden the concept of unconscionable conduct and for focusing on the conduct of Kobelt, rather than the effect on his customers.
“Not only is it a problem that the courts have read the existing provision too narrowly, it is a problem of the term ‘unconscionable’ itself,” the centre said. “Replacing it with fairness will encourage businesses to consider the impact of their conduct on consumers and can thus play a role in contributing to cultural change in Australian industry.”
While it was an Asic case that has crystallised the new push for laws against unfair conduct, the current Asic commissioner responsible for enforcement, Daniel Crennan QC, will not be drawn on whether he supports the move, saying it is a matter for the government.
However, he points out that the courts will have to consider the idea of fairness more often anyway because of a change to the law designed to crack down on bad behaviour in the finance sector.
Courts can now fine licensed finance companies if they fail to act “fairly, honestly and efficiently” towards customers.
“Fairness will be tested by us, the regulators, in the courts in coming years,” he says. “That may well be helpful to the debate.”


text:
You're going to love making these strawberry warm doughnuts - yum!
Apple Fritter Pancake Puppies--Crispy on the outside, moist, tender fluffy on the inside. They’re totally filled with cinnamony, apple pie-ish decadence.
Pancake Puppies - A side of pancakes is common with many American breakfasts, but end up being too much to handle after polishing off the eggs and bacon;
Denny’s Red Velvet Puppies with Cream Cheese Icing- Denny’s Red Velvet Pancake Puppies with Cream Cheese Icing is a new menu item that is appearing on their Hobbit inspired movie menu.
Get the best Denny's Pancake Puppies recipe on the ORIGINAL copycat recipe website! Todd Wilbur shows you how to easily duplicate the taste of famous foods at home for less money than eating out.

domain: food


text:
These first few of months of 2017 have been, to put it mildly, volatile in national politics. The incoming Trump Administration and a Republican Congress are poised to tackle the federal budget, Medicaid, and the Affordable Care Act (Obamacare) among many other federal programs. All of these issues have sharp partisan divides, however no matter where your views lay on the political spectrum, if you are a professional involved in the workers compensation industry, these issues may have a big impact on how you can be successful at your job.
This article looks at what impact the Trump administration and a Republican-controlled Congress may have on Medicare Set-Asides (MSAs) in the context of the legislative and regulatory history of the Medicare Secondary Payer (MSP) Act and how the uncertainty resulting from potential changes to federal healthcare programs results in MSAs and professional administration being even more relevant in the settlement of workers’ compensation cases.
The MSP Act Has Been and Remains Bipartisan
A review of the history of the MSP Act demonstrates a noticeably bipartisan effort to improve and expand its applicability and enforcement mechanisms. The MSP Act was enacted in 1980 during President Carter’s administration. Subsequent to its passage, provisions were added over the Reagan, George H.W. Bush and Clinton administrations, all emphasizing Medicare being secondary to group and non-group health plans. The most notable legislative expansion occurred in 2007 when a Democratic-controlled Congress passed, and President George W. Bush signed into law, the Medicare, Medicaid and SCHIP Extension Act which included Section 111 Mandatory Insurer Reporting provisions for group and non-group health plans. There also continues to be a decade long effort to pass bipartisan legislation which would implement certain reforms to the Workers’ Compensation Medicare Set-Aside (WCMSA) review process. While the most recent WCMSA reform bill died in the last Congress it is expected a new bill will be reintroduced in 2017.
Besides legislative expansion of the MSP Act, during President George W. Bush’s administration there occurred the release of the July 23, 2001 CMS memo, commonly called the “Patel Memo.” The Patel memo and subsequent CMS memos effectively formalized a process for CMS to review and approve WCMSAs.
MSA reviews continued, Medicare conditional recovery processes expanded and Section 111 was implemented all during the course of President Obama’s administration. The only legislative change to the MSP Act occurring during the Obama years was the passage of the Strengthening Medicare and Repaying Taxpayers Act of 2012 (SMART Act) which was a successful bipartisan effort to address deficiencies identified in the MSP Act, particularly Section 111 reporting and Medicare conditional payment recovery.
Since the enactment then of the MSP Act in 1980 it has continued to be expanded and enforced consistently across both Republican and Democratic Presidents and Congresses.
Why has there not been a partisan divide? The simple reason is that the MSP Act forces entities other than the federal government to pay which has benefits for both political parties. For Democrats it demonstrates their protecting the viability of a federal government entitlement program while for Republicans it demonstrates their protecting taxpayers by shifting costs away from the government. While the Trump administration has to our knowledge never issued any MSP policy statements, based upon the past bipartisanship on this issue, our expectation is the administration will continue and possibly expand the MSP compliance programs at CMS.
Uncertainty Over Federal Healthcare Programs to Drive Assurance with MSAs
President Trump has indicated repeatedly that he will not reduce benefits to Medicare beneficiaries. Nonetheless, Medicare beneficiaries are facing premium increases. Notably, a Kaiser Family Foundation report indicated Part D premiums are rising by an average of 9% in 2017. As for Medicaid, the Trump administration is supporting a block grant program which would give more discretion to the states in formulating and implementing their own Medicaid programs compared to the present process which includes significant federal oversight. Finally, and most significant, is the Republican-led initiative to “repeal and replace” the Affordable Care Act, commonly known as ObamaCare. These potential changes to statutory programs create uncertainty for injured workers contemplating settlement of medical in their workers’ compensation cases.
Uncertainty for injured workers exists with programmatic changes to Medicare and private group health plans which are increasingly driven by a more value-based approach to healthcare delivery. A value-based approach provides incentives to medical providers to be more cautious with prescribing treatments and medications which may have limited value to the patient. This is also usually tied in part to a utilization review process which places limits on care through the use of evidence-based medicine. While in the past some injured workers have settled medical stemming from their work related injury confident that they could shift their ongoing work-related care, if any, to their group health plan, such coverage may now be limited. And when it comes to shifting costs to Medicare, CMS’s long-standing policy is such costs must be accounted for in an MSA.
A Flight to Certainty
Accordingly, injured workers and their attorneys when settling their workers’ compensation cases will look for certainty where it can be obtained so that they have the assurance of access to medical care for their future injury-related care. For claimants who are Medicare beneficiaries or are close to becoming Medicare beneficiaries, such assurance can be obtained by a properly allocated MSA which is CMS-approved, when necessary, and professionally administered to maintain the MSA funds over life-expectancy in compliance with CMS rules.
Tower MSA Partners is committed to providing employers and claimants a reasonable MSA allocation which, along CMS guidelines, properly accounts for future injury-related and Medicare-covered medical care without unnecessary overfunding. This often includes Tower MSA reaching out to treating physicians to confirm current care regimens or clarity regarding ongoing medication and treatment prior to submission of the MSA to CMS.
While CMS approval of the MSA and subsequent funding provides assurance at the point of settlement that funds for injury-related medical have been provided, equally important is proper administration of those funds such that an injured worker can be assured the funds for his or her care will last over their life expectancy and that there will be a seamless transition to Medicare for payment if the funds every run out.
Ametros’ professional administration service, CareGuard, secures the injured party discounts on their medical treatment, and prescription costs. All the while they are free from utilization review allowing them to not have to worry about their treatment being rejected. Additionally, CareGuard will makes sure all MSA expenses are accounted for in the eyes of Medicare. Cost-effective programs like CareGuard are in place to protect the injured worker post-settlement and ensure compliance with CMS requirements for MSA administration.
In this current era of high uncertainty, all parties can rest easy by focusing on known methods to protect themselves and the injured party throughout the claim handling and settlement process. That’s why many believe it is more critical than ever to obtain an adequate MSA that will cover the ongoing medical care of the injured party and, upon settlement, to have a professional administrator help the injured party make the funds last as long as possible and do all the required Medicare reporting.
For further information or questions please contact:
Dan Anders (847) 946-2880 or email@example.com
Jayson Gallant firstname.lastname@example.org
Learn more at: www.towermsa.com
Learn more at: ametros.com


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Sometime in the next 4 weeks it will be time to cut that lawn for the first time. For those of you lucky enough to have a service like ours, what do you need to do? Nothing.... Sit back, relax, and watch the Spring Clean-Up, First applications of fertilizer and weed control applied at the perfect times, and the first cutting of the season scheduled and completed when it needs to be. Watch mulch and soil amendment applied, annual flowers installed, and all of this perfect by the end of May.
But for those of us that are not so lucky.....................read on.
If you have to complete these maintenance tasks yourself, what needs to be done over the next few weeks? Well, first things first. If you want the best looking lawn and landscape in the neighborhood, you will need the following in the next 4 weeks.
1. Spring Clean-Up
2. Lawn Cutting
3. Fertilization of turf areas(covered in the last blog)
Lets address the first two items and when they should be completed.
1. Spring Clean-Up.
Ok, you want to get in your beds and start to rake and cultivate and work that soil, right? Don't. These next few weeks your beds can be significantly compacted by walking on them. Not to say you can't go around and pick up sticks, branches, debris blowing around. It's time to do that. But you will want to wait until that soil has warmed up below the surface before any heavy bed work is completed. I would say April 15-30th this year will be the time to get in those beds.
Then get in there and cultivate down 3-6". It is a good time to prune any dead or broken branches off of plants, trees, etc. Cut to the ground any ornamental grasses, and amend mulch to maintain a nice 3" mulch layer if you have mulched beds. For topsoil beds, adding in compost or soil/compost mix to amend to 3" will be beneficial for those plants or future annual flower planting. For rock or gravel beds, leaf and debris should be blown, raked, or picked out and any weeds pulled out that may just be starting to emerge. Pull any weeds that you see in all beds for that matter. Any weeds you can pull prior to those weeds going to seed will help keep the beds weed free.
Turf areas can be raked or blown to remove any leaf or debris on top. Heavy raking especially in shade areas should be avoided until grass plants take proper rooting and begin to grow. Otherwise the existing grass plants can be raked up and areas will need to be reseeded.
Are there any bare turf areas from snow plowing, dog damage, thin areas from the prior season? Mix up some seed with compost and topsoil or a bag of garden mix. Use the highest quality sun or shade seed depending on your conditions and you will have a great patch mix for these bare areas. 2 shovelfuls of soil and one baseball sized handful of seed should do it. Topdress with this mix of soil and seed.
That should cover it for the Spring Clean-Up. This can be a gradual process over the next 60 days so it is completed prior to June 1, or all done at once. Remember that mulching done in early Spring will have to contend with heavy rains in May so may fade and not look as fresh in June and July. Delaying mulch amendments to later in the Spring may look better aesthetically for the rest of the season.
Lawn maintenance should be completed the first week that 1" of the grass blade can be cut off. When will that occur to your lawn? Somewhere around the 2nd to 4th week of April this year. Is your lawn equipment ready?
Now is the time to get that mower, trimmer, and blower in for a tune up. Drain out old gas and refill with fresh. Replace the spark plug and change the oil. And don't forget that every mower needs a sharp blade and scrape out all dead grass and stuff from underneath the deck. This can spread fungus and disease if old grass is not removed. I recommend for a residential home to sharpen the blade once in the Spring and once in the Summer. The mower should not be tearing the grass blade. You can look at the grass blade after the lawn is cut and assess if it is being cut or torn. Our company sharpens blades daily and this is necessary to get a great cut.
So, are you ready for Spring. Get out there and get those lawns and beds in top condition.
And remember that if you need any help with these services, or it seems like this will be too much work this Spring, give us a call.
For more information or to receive an estimate for lawn maintenance services go to:

domain: agronomy


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While there are hundreds of articles, lists, blog posts, etc about “The Best Places to eat in ___”, sometimes the best way to have a memorable experience is to just get lost. Walk around the city you’re visiting, turn down random streets, go into shops that seem interesting, and check out small, local bookstores. One of my favorite things to do is just walk around, because you never know what you will stumble upon. So many cities, especially in Europe, have very rich and extensive histories that are represented in statues, buildings, etc. There is so much to learn just by wandering through parks and down roads that it’s important to take advantage of it!
Another thing I have loved during my time abroad has simply been talking to the people around me. I wish I would have thought at the beginning of my trip to bring a notebook for all the people I’ve met along the way to sign– people from Wales, Australia, Brazil, Turkey, and so many other places. It’s amazing how much you can learn from striking up a conversation with somebody. It’s so amazing to have the opportunity to connect with people from so many cultures and corners of the world. So don’t be afriad to introduce yourself to someone or ask to join a conversation that seems interesting, it could be the beginning of an amazing friendship!

domain: travel


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In a relatively brief amount of time, crowdfunding platforms like Kickstarter and Indiegogo have changed the way comics are published. From providing start-up funds for projects that wouldn’t otherwise exist to creating an influx of cash to prop up a publisher that’s hit a rough patch, it allows creators to go directly to potential readers for support. Services like Kickstarter have proved popular, but they’re not the only way it can be done. Enter Patreon.
Launched last year, Patreon doesn’t focus on funding a specific project, but instead allows fans to become patrons of their favorite creators by contributing money on a regular basis. Creators can choose to ask for money to be given on a monthly or, say, per-comic basis.

domain: economics


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This stage begins at a Buddhist temple in Makulella, a small village overlooking the valley of Ambagaswatte. The river flowing through this valley gives way to the Ravana Falls, one of the most popular waterfalls in the region.
The first part of the hike is a delightful walk through a forested area, including a eucalyptus forest, and tea bushes with stunning views. You will walk through patches of jungle as you climb up towards the top of Ella Rock where you can feast your eyes on expansive vistas of the iconic Ella gap, little Adam’s Peak, and Ella town.
Continue along more eucalyptus forests, passing a few local homes and their cultivated gardens all the way to Kithal Ella Station. You will walk along the railway track where you’re likely to meet vendors eager to sell you snacks and fresh fruit, a great pit stop if you need refreshments.
The stage finishes at the Ella Train Station, in the very popular hill-country town of Ella where travellers come to enjoy walks through tea plantations, nature, and generally to chill out.

domain: geography


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When you have characters who a large portion of the audience are pulling for, the only way those things work is if you actually provide a plausible second option, and one of the things that Brandon brings to our interpretation of Ray Palmer, which is something that we actually don’t have on the show right now, is somebody who she can verbally spar with,” Kreisberg said.
Sexual orientation: the love struck smile Oliver gets when he looks at Felicity
im laughing so hard because no matter what song you listen to
spiderman dances to the beat
no matter what song
ive been testing it and lauing my ass off for an hour

domain: entertainment


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"Educate a Girl, empower a nation."
-Queen Rania of Jordan
WOMEN'S EMPOWERMENT PROJECT: HAïTI
The Garden of Eden Foundation partnered with YWCA Haïti in Petion-ville, Haïti to provide young women (age 10-17) with empowering weekend. GOEF provided young ladies free STD Testing, free STD Treatment, Sexual Education Courses, Yoga, Capoeira, and Rape Prevention/Self-Defense class. The girls who participated also enjoyed many activities including dancing and mural painting.

domain: sociology


Most industrial optical tweezers have a closed control architecture which restricts any modification to its inner/lowlevel control loop. As a result, the advanced robotic controller that requires an open low-level control loop cannot be implemented directly on the optical tweezers system with closed architecture. To resolve this issue, we propose an adaptive outer loop control scheme to generate the velocity (or position) command for the low-level control loop. We introduce an outer feedback loop to the closed architecture system so that the velocity (or position) command can be effectively realized on industrial optical tweezers in a stable manner. Thus with this design, the outer userspecified control loop is totally independent of the fixed inner control loop. We demonstrate the performance of the proposed approach through numerical simulations.
Adaptive Control of an Optical Tweezers System With Closed Architecture Authors: Gulam Dastagir Khan and Chien Chern Cheah


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Systemic sclerosis/Foundational sclerosis
Systemic sclerosis/Foundational sclerosis is a complex immune system ailment portrayed by an interminable and much of the time dynamic course and by broad patient-to-tolerant changeability. Like other immune system maladies, fundamental sclerosis happens all the more regularly in ladies, with a pinnacle of beginning in the fifth decade of life. The specific reason for fundamental sclerosis stays subtle yet is probably going to include natural factors in a hereditarily prepared person. Pathogenesis is commanded by vascular changes; proof of autoimmunity with particular autoantibodies and enactment of both natural and versatile insusceptibility; and fibrosis of the skin and instinctive organs that outcomes in irreversible scarring and organ disappointment. Unmanageable movement of vascular and fibrotic organ harm represents the constant dismalness and high mortality. Early and exact finding and arrangement may improve understanding results. Screening methodologies encourage opportune acknowledgment of perilous complexities and commencement of focused treatments to stop their movement. Viable medicines of organ-based intricacies are currently close enough. Revelation of biomarkers — including autoantibodies that recognize tolerant subsets at high hazard for specific illness difficulties or quick movement — is an exploration need. Understanding the key pathogenetic pathways, cell types and go betweens basic sickness appearances opens the entryway for the advancement of focused treatments with genuine infection altering potential.
Rheumatology: Current Research
E-mail id: firstname.lastname@example.org
Submit Manuscript at: https://www.longdom.org/submissions/rheumatology-current-research.html

domain: medical


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Is decade the strongest Kamen Rider?
Kamen Rider Decade was the original anniversary Rider out of them all and he is also easily the second most powerful in the series. Not only that, but Kamen Rider Decade is also capable of virtually destroying worlds, making him one of the most dangerous characters in the entire franchise.
Is Kamen Rider Decade good or bad?
Despite being the protagonist, he is treated as a villain due to Narutaki’s prophecy of the Rider War that he causes and the fact that he is also the Decade incarnation of the Great Leader of Shocker as the Great Leader of Dai-Shocker.
How old is Kamen Rider Decade?
|Kamen Rider Decade|
|Original release||January 25 – August 30, 2009|
|Preceded by||Kamen Rider Kiva|
|Followed by||Kamen Rider W|
How tall is Kamen Rider Decade?
6 inches tall
Kamen Rider Decade joins the Figure-rise Standard lineup with his distinctive style! Standing at almost 6 inches tall this Kamen Rider is a must have for your model kit collection.
Is Tsukasa dead decade?
He himself however had no story and with his task complete Decade was gone forever. Despite this, Natsumi found a way to revive him through the use of a picture and the A.R. Riders’ memories, and Tsukasa was resurrected.
Who is the most popular Kamen Rider?
Kamen Rider Den-O was voted the #1 top Kamen Rider show while Kamen Rider OOO was victorious in the other two categories. On top of being the #1 favorite overall Rider design, Eiji’s TaJaDol Combo won #1 in the “Favorite Rider Form” category.
Is Kamen Rider Zi O evil?
Oma Zi-O is a villainous rider connected to time and/or time-travel, just like Kamen Rider Bujin Gaim and Kamen Rider Dark Drive. All three are also evil counterparts from another era to the heroic Riders, although Bujin Gaim is from the past, while both Dark Drive and Oma Zi-O are from future.
Who is Dai shocker?
The mysterious Dai-Shocker (大ショッカー, Dai Shokkā, “Great Shocker”) is an evil organization lead by A.R. versions of classic Showa-era villain generals.
Is Kamen Rider Decade Cancelled?
The 31st and final episode was nothing else than a cliffhanger for the Movie War between this series and its successor, Kamen Rider W, The ending movie of Kamen Rider Decade that was supposed to happen but it just got cancelled.
How did Tsukasa Kadoya died?
Tsukasa Kadoya. Tsukasa undertakes the role, sealing the A.R. World Riders in cards before being fatally wounded by Natsumi when she becomes Kamen Rider Kiva-la. His death being the catalyst for the restoration of all the A.R.
What color is Kamen Rider Decade?
Heisei refers to the point in time we are now in Japan. Now there is much debate over what color Kamen Rider Decade is. Many say he is pink. Since culturally in America, pink is currently regarded as a feminine color, American fans don’t like the notion that his color is pink.
Is Tsukasa a school mystery?
Yugi Tsukasa (柚木司, Yugi Tsukasa?) is a ghost haunting Kamome Academy. He is the younger twin brother of Yugi Amane. He currently resides in the school’s Broadcasting Club room with its members Sakura and Natsuhiko.
What are the KamenRide Cards for decade?
Decade’s KamenRide cards have black backgrounds. In Kamen Rider Zi-O, Tsukasa reappears with the NeoDecadriver, an upgraded Decadriver, as well as new KamenRide cards for all of the primary Kamen Riders from W to Zi-O. Ghost Hunter 2018 Decade (ディケイド, Dikeido): Transforms Tsukasa into Kamen Rider Decade.
How many Kamen Riders does didiend have?
Diend is not limited to just the nine previous primary Kamen Riders, but has access to any Kamen Rider who has appeared in the Heisei period. The cards of the Extra Riders, including his own, differ from Decade’s main nine cards using a white background as opposed to a black one.
How do you get complete form in Kamen Rider Black?
By inserting the card into the K-Touch, it transforms Decade into Complete Form. Black: A card containing the power of Kamen Rider Black. Diend borrows it to summon Kotaro from the World of Black while in the World of Black RX, as he claims that Decade cannot use the card.
How do you summon Kamen Rider Decade’s final form?
When Kamen Rider Decade is in his Complete Form, he uses the K-Touch to summon the Final Forms of the previous Kamen Riders. After he presses the Rider’s symbol, a card of that Rider’s Final Form appears in a set of nine on Kamen Rider Decade’s chest.


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We are here to help you locate places to eat around you anytime you like.
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