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Friends of the Lake Elsinore Library will hold their Fall Book
Sale on Oct. 8 from 9 a.m. to 3 p.m.
Hardbacks, paperbacks, CDs, DVDs and videos will be for sale.
There will also be children’s books, and videos. It will be at the
Community Room of the library at 600 W. Graham Ave., Lake

domain: literature


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||The Herbal Kitchen|
50 Easy-to-Find Herbs and Over 250 Recipes to Bring Lasting Health to You and Your Family
7 x 9
October 1, 2010
“Wow! I learned a lot from The Herbal Kitchen and I'm keeping it in my kitchen so I can refer to it often. I love this book!" -Christiane Northrup, MD, author of the New York Times bestsellers: Women's Bodies, Women's Wisdom and The Wisdom of MenopauseDo you enjoy eating garlic bread? Does oregano always find its way into your spaghetti sauce? Do you garnish potato salad with paprika? Then you are participating in the ancient tradition of using herbs to enhance the health benefits and digestibility of your food.
"Thanks, Kami, for keeping grandma's old-fashioned remedies and recipes alive with an easy, unintimidating plan for making herbs a part of everyday life." -Elise Collins, author An A-Z Guide to Healing Foods and Chakra Tonics
"The Herbal Kitchen is a beautifully written guide to expanding your herbal repertoire. This is a book that can bring more fun, flavor, and health into your life." -Brigitte Mars, author of Rawsome! and The Desktop Guide to Herbal Medicine
With over 250 recipes for herbal oils, vinegars, pestos, dressings, salts, cordials, syrups, smoothies and more, The Herbal Kitchen provides the information necessary to prepare, store, and use herbs, and create a long term healthcare plan.
From the introduction:
The current spice rack is a remnant of the wisdom of how to bring the earth’s harvest into our house to feed and keep our families well. It is the accumulation of thousands of years of experience all powdered and packaged into convenient one ounce jars. Take a deeper look at your spice rack. The herbs come from all over the world, having touched many hands; they carry the lineage of our ancestors’ embodied knowingness that using plants in the kitchen helps keep us well.
The Herbal Kitchen will help you to recognize the extraordinary pharmacy that already exists in your own kitchen--one that will boost immunity, heal sickness, enhance energy, and ensure overall health and vitality, all without the need for fancy equipment or specialty products.
|Kami McBride is an herbalist and inspiring teacher that has helped thousands of people learn to use herbal medicine in their daily lives in ways that are healthy, safe and fun. She teaches experiential herbal programs in reviving the art of home use of herbal medicine. Her work is centered in sustainable wellness practices, creating self reliance and revitalizing our relationship with the plant world.
Kami’s extensive knowledge of healing plants is infused into her specialty of herbal cooking for preventive health. She empowers people in understanding how to use herbs in the home setting for prevention and every day common ailments. Kami founded the Living Awareness Institute serves as an instructor of herbal medicine at Solano Community College, Napa Valley Junior College and College of Marin. (Photo credit: Michael Conyers)|
See all titles by this author
"The Herbal Kitchen is a tremendous resource. Everything you ever wanted to know about the healing power of herbs and spices are nicely tucked within these pages. This is a must have book for everyone’s kitchen!" -Rebecca Katz, MS author of The Cancer-Fighting Kitchen: Big Flavor Recipes for Cancer Treatment and Recovery
"No kitchen is complete without the treasure trove of botanical wisdom found in this wonderful book!" -Deanna Minich, PhD, CN, nutritionist and author of Chakra Foods for Optimum Health, An A–Z Guide to Food Additives, and Quantum Supplements
"The Herbal Kitchen is a breath of fresh air and more. It is full of simple and convenient tips to transform 'weeds and waste' into exotic and nourishing culinary delights." -Margaret Beeson, naturopathic physician
"Finally, a cookbook for using herbs! If you’ve ever cooked with herbs, made herbal tea, eaten pesto with basil (or edible flowers as Kami suggests) you will love this book. If not, you need this book. The Herbal Kitchen is the most extensive list of recipes using herbs you will find anywhere. Your food becomes your medicine, as it has always been, and through the gift of Kami McBride's recipes, this ancient usage of herbs remains alive." -Pam Montgomery, herbalist, educator, and author of Plant Spirit Healing and Partner Earth: A Spiritual Ecology
"Be prepared for a whole new way of thinking about herbs--Kami McBride resurrects traditional knowledge of herbs’ medicinal and culinary attributes for use in the modern kitchen." -Ann Vileisis, author of Kitchen Literacy
Red Wheel/Weiser - World


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The Go Tour 2022 fun extends into the next day. Ethan Garcia
Pokémon Go Tour: Live is returning to Pokémon Go this year, offering players in certain areas of the world chances to catch rare Pokémon in large quantities. Like previous iterations of the event, a one-time purchasable pass will give players access to a full day of bonuses and rewards.
On Feb. 27 from 10am to 6pm local time, players in Mexico and Taiwan can partake in the 2022 Pokémon Go Tour: Live, aligning with the 26th anniversary of the series. In Mexico, the event will be held in Monterrey at Parque Fundidora, while in Taiwan, it will be held in Kaohsiung at the Taiwan Lantern Festival.
A pass for $25 will provide players with access to exclusive benefits, including special research and Snorlax encounters when taking pictures. This special research will provide players with a plethora of helpful items and an encounter with Mewtwo. Ticketed players can also find Shiny Pokémon and Ditto more often in the wild, with Shiny Ditto appearance rates also being increased.
Players that do not purchase the pass will have access to event-wide bonuses, which include Farfetch’d, Kangaskhan, Mr. Mime, and Tauros spawning in the wild, as well as Articuno, Zapdos, and Moltres appearing in five-star raids. They will not receive the increased Shiny rates that ticketed players receive, however.
Pokémon Go Tour: Live will take place in Monterrey, Mexico and Kaohsiung, Taiwan on Feb. 27. The day before, players around the world can partake in Pokémon Go Tour 2022, featuring Pokémon that first appeared in Pokémon Gold and Silver. Jan 29, 2022 12:47 pm
How to get the Shiny Charm in Pokémon Legends: Arceus
Obtaining the Shiny Charm isn’t easy. Jessica Scharnagle Image via The Pokemon Company
Players are starting to explore the Hisuian region in Pokémon Legends: Arceus. Shiny hunters are on the lookout for Shiny Pokémon—and getting the Shiny Charm can increase their chances of finding success. See Pokémon on Amazon
The early indications for Shiny rates for Pokémon are pretty promising for those who love to attempt to complete a Shiny Pokédex. The base rate for Shiny Pokémon seems to still be the standard 1/4096 that most recent Pokémon titles have. But to increase Shiny odds, the Shiny Charm is often the first step.
How and where to get the Shiny Charm in Pokémon Legends: Arceus
To get the Shiny Charm, you have to complete your Pokédex and reach Research Level 10 on all Pokémon in the Pokédex. This is a big undertaking: there are 242 Pokémon in the Pokédex, and all of them need to be researched to level 10 before you can get the Shiny Charm.
Once a Pokémon’s research level is at 10, the Pokédex entry is considered complete. However, the rare spawns of some of the Pokémon and the several tasks required to research a Pokémon all the way to level 10 can make meeting the requirements for the Shiny Charm into a herculean task.
When you’ve completed the Pokédex after finishing the game, head back to Jubilife Village and go to the Galaxy Hall. Talk to the Professor, and a cutscene will play. During the cutscene, you will receive the Shiny Charm.
According to Serebii, the base rate for Shiny Pokémon is 1/4096. It’s then lowered to 1/2048 when all Pokémon in the Pokédex are researched to level 10 and is lowered further to 1/1024 when the research is perfect. With the Shiny Charm, rates are even lower. The Shiny Charm plus all Pokémon at level 10 research is a 1/819 chance, while perfect research of all Pokémon in the Pokédex plus the Shiny Charm results in a 1/585 chance.

domain: entertainment


Check out the latest trailer of 《明日戰記》 Warriors of Future!
Been designing for this project for the past 4 years now :) Time flies!
Truly grateful to Director Kofai for every opportunity. Proud to be able to contribute designs to this project along with some of the best designers in the world - Mike Nash, Alex Figini, Ouyang Long and Kurt Papstein. These super talented designers all inspire me greatly.
None of this would be possible without the incredible work of every artist involved, from FATface Production to Main Road Post, to push the visuals to such high standards!
Can't wait for it to hit the big screens in Hong Kong and around the world!


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Ohio Gov. Mike DeWine vetoed a bill to protect minors from experimental transgender medical interventions that are euphemistically referred to as “gender-affirming care.”
DeWine, a Republican, framed his veto of House Bill 68 on Friday as an effort to bring consensus on a divisive issue and to avoid having the government decide what medical decisions are best for children.
“Were House Bill 68 to become law, Ohio would be saying that the state, that the government, knows better what is best for a child than the two people who love that child the most, the parents,” DeWine said.
The bill, called the Enact Ohio Saving Adolescents from Experimentation Act, would bar physicians from performing gender-reassignment surgery on a minor and from prescribing cross-sex hormones or drugs to block puberty for the purpose of gender transition. It also would enable students to sue if they are deprived of a fair playing field in sports due to gender activism and protect parents’ rights to raise their children according to their biological sex.
DeWine insisted that a bureaucratic rulemaking process would be more likely to produce rules that would survive legal challenges. Similar laws restricting experimental gender interventions have faced court challenges, although many have survived legal scrutiny.
“I truly believe that we can address a number of goals in House Bill 68 by administrative rules that will have likely a better chance of surviving judicial review and being adopted,” the Ohio governor said.
DeWine announced that he is directing his administration to draft rules to protect minors while allowing some minors to undergo experimental “treatments.”
DeWine said he “sought out people on all sides of the issue to hear their concerns,” including critics of transgender interventions, “physicians and counselors who provide gender-affirming care,” and people who had “negative experiences” and “positive experiences.”
The governor echoed pro-transgender activists who claim that minors with gender dysphoria (the painful and persistent condition of identifying with the gender other than their biological sex) will commit suicide if they can’t take hormones or undergo other “treatments” to make their bodies resemble those of the opposite sex.
“Ultimately, I believe this is about protecting human life,” DeWine said. “Many parents have told me that their child would not have survived, would be dead today” without such interventions.
He also recalled speaking to adults who argued that if they had not undertaken these interventions, “they would have taken their life when they were teenagers.”
DeWine noted that many detransitioners—those who formerly underwent interventions only to reject a transgender identity later—“reported that they did not receive adequate counseling.” He pledged to draft rules to “prevent pop-up clinics and fly-by-night operations.”
The governor noted that many who reported positive experiences said “they received significant counseling, therapy, and consultation as a family.”
He invited state legislators “to meet with us to collaborate,” insisting that he shares many of their goals, including preventing surgeries for minors and obtaining “comprehensive data” on the interventions.
Many doctors have testified that “gender-affirming care” is experimental and that counseling and therapy may resolve deep-seated issues underlying gender dysphoria.
Bill’s Sponsor Responds
State Rep. Gary Click, the bill’s sponsor, released a statement after DeWine’s veto.
Click, also a Republican, said he and DeWine “share a common passion for children,” and he commended the governor for “digging through the details of this legislation and for speaking to several qualified individuals capable of shedding light on this issue.”
“While I commend him for those efforts, The SAFE Act has been thoroughly vetted through two general assemblies, both chambers of the legislature, and numerous witnesses,” Click added. “I have invited the administration to participate in the process from the beginning and continue to believe that we would have benefited sooner if that had been accomplished.”
While Click noted that DeWine’s “heart was moved by those who spoke to him concerning the loss of life through suicide,” he said that “multiple conversations with professionals and families who felt manipulated by similar rhetoric brought a more in-depth understanding of the time-tested, best practices in suicide prevention.”
He expressed hope about working with DeWine on the issues in the future, but lamented that the protections for women’s sports in the bill would be delayed.
LGBTQ activist groups celebrated DeWine’s veto.
“This is a huge win for trans youth and their families in Ohio,” the Human Rights Campaign posted on X, formerly Twitter.
Critics of gender ideology condemned the move.
“Gov. DeWine’s capitulation to radical gender ideology is outrageous and unacceptable,” Kevin Roberts, the president of Heritage Action for America, told The Daily Signal. “We all have a duty to protect children and female athletes from irreversible physical and psychological damage. HB 68 is commonsense legislation with broad, bipartisan support—state lawmakers should override the governor’s veto immediately.” (The Daily Signal is The Heritage Foundation’s news outlet.)
“Kids are not social or science experiments—and boys do not belong in girls’ sports,” Roberts added. “HB 68 protects children from irreversible damage by banning the use of experimental surgeries and cross-sex hormones on vulnerable kids and ensures fairness for female athletes by banning males from spaces and fields created specifically for women and girls. These measures are not controversial.”
“So-called ‘gender affirming care’ turns these children into lifetime medical patients,” Ian Kingsbury, director of research at the medical group Do No Harm, told The Daily Signal. “It puts them at risk of infertility, loss of sexual function, obesity, and certain cancers. For medical transition among children to even be considered a form of health care it would need to be clear that there are benefits that outweigh the enormous risks. No such evidence exists.”
“Unless or until the medical profession stakes out a reasonable position, the state has a compelling interest to intervene to prevent these dangerous interventions,” Kingsbury added.
“America’s most powerful institutions claim, despite the obvious physical evidence to the contrary, that men can become women and vice versa. Even worse, they are encouraging young children to undergo dangerous medical procedures which sterilize and mutilate their bodies to pursue this impossible goal,” Terry Schilling, president of American Principles Project, said in a written statement on DeWine’s veto.
“Now, more than ever, we need leaders who will stand up to these egregious lies and act to protect our children and families. Unfortunately, Governor DeWine has shown he is no such leader,” Schilling added. “History will forever remember that when courage was called for, DeWine instead gave into cowardice and caved to the transgender industry that is preying on so many vulnerable individuals. Despite the fact that most Republicans and even some Democrats are now seeing this predatory industry for what it is, DeWine still refused to do the right thing.”
Schilling urged DeWine to step down as governor.
“Ohio families deserve far better, and if DeWine is unable to find the backbone to protect them, he should step aside in favor of someone who will,” Schilling said.
“DeWine just vetoed an outstanding bill that protected the integrity, fairness, and safety of sports, and protected children from unethical medical attempts at the impossible—‘affirming’ a sexual ‘identity’ at odds with reality,” Ethics and Public Policy Center President Ryan T. Anderson posted on X. “Have caved to special interests.”
Editor’s note: This breaking story has been updated with statements from Click, Roberts, and Kingsbury.
Have an opinion about this article? To sound off, please email firstname.lastname@example.org, and we’ll consider publishing your edited remarks in our regular “We Hear You” feature. Remember to include the URL or headline of the article plus your name and town and/or state.

domain: law


text:
Free Use part 1
This series will be a universe in which humanity is more open about sex and sexual taboos. In this world, it is expected that when leaving their teens young adults lose their innocence and begin maturity. After losing innocence, characters become openly active with sex with people close to them, with mentors, or with total strangers. Sex is also more freely given by women and men. All characters are at least 18 years of age.
“Go then, there are other worlds than these.”- Stephen King
Danny was a junior researcher for an organization that studied the strange and unnatural things in the world. Danny was assigned to help study a rift in the world located in a cave in the Midwest United States. The rift led to different worlds, but which world someone was sent to was random chance. One was a world that looked very steampunk. Another was one where aliens had visited earth long ago and advanced human technology. Still another was one where humans had more canine features than ape features.
Danny taking measurements near the portal one night when something happened. It might have been an earthquake or the portal itself caused the shaking or someone among the team had screwed something up. Whatever it was, it caused Danny to fall through the portal. Unfortunately, whatever caused the shaking also caused the portal to close before Danny could come back through. He was stuck in a new strange world that he didn’t know.
A strange feeling washed over Danny as the first few hours past. He was waiting for the portal to reopen, when he got this feeling like he knew what this world was. He knew what was different about it from his world. It was like his brain was trying to fill in the gaps in his knowledge with information to help him adjust to the new world. He had to find out if it was true. If it was true, he might want to explore this world a bit before returning. He left the cave where the portal was and hopefully where it would reappear. In his world the cave had been fenced in and a command center for the study of the portal had been built nearby. This world didn’t have that but the cave and surrounding landscape were the same as his world. Danny hiked three miles to the town which existed in both worlds. He got the feeling that the lands, population centers, and location names were the same as his world. That was not what made the world he came to different.
In this world humanity was more open about sex and sexual taboos. In this world, it is expected that when leaving their teens young adults lose their innocence and begin maturity. After losing innocence, people become openly active with sex. They will have sex with people close to them, or with mentors, or even with total strangers. Sex is also more freely given by both women and men.
Danny could see the truth of that after wandering in Small Town, America for only a half hour. That was when he spotted a couple openly fucking in the back of a truck in the middle of a parking lot. People clearly saw the couple. Some people glanced at the couple, some ignored them, and a few even watch for a few moments before going about their business. This was completely normal to them, and something that was seen or experience everyday and even multiple times a day. As Danny gaped in amazement at the unhindered sexual actions taking place, a man maybe thirty years old pulled out his cock and started masturbating while watching the couple. A woman walked by and licked her lips at the man, but she was in a hurry so she moved on. Danny went into the supermarket and there spotted another woman who wore a man’s muscle shirt and no bra, and she had no shame at walking around with her tits on full display. She also made no move to stop any man or woman who gave her a quick grope. She did shake her head at a young man who wanted to pull her pants down. The young man nodded, wished her a good day, and went around a corner. Danny would later see the same young man a couple aisles over with his head between a different woman’s legs, lapping at her pussy while he moaned with pleasure.
Danny’s cock was hard in his pants and had been since he saw the couple. He had to know for sure if he could do what he saw the others doing. Danny went down the aisle to the woman with exposed breasts. He reached up toward her breasts then hesitated. “May I feel your tits?” Danny asked her.
“Of course,” she replied. The woman looked perplexed that he would even ask.
Danny gave the woman’s tits a squeeze. The tits were no different from the tits he had felt in his own world. There was nothing wrong with them and no deformities. The pair felt good in his hands. After a moment, the woman said, “I really must be going, sir.”
Danny let go. “Sorry, Ma’am. Have a pleasant day.” She wished him the same and took her groceries toward the check out. Danny was more excited that ever. The idea of being able to grope a strange, have her be willing to let it happen, and for it to be in a public place with no repercussions gave him such a hard on he knew he had to have release soon.
Danny searched down a couple aisles and noticed the young man at his feast. Danny would also find out before the day was out that it wasn’t just the men who initiated the sexual acts. The women were just as horny and likely to fuck a stranger. One came up bold as she pleased and kissed him on the mouth while giving his cock a good squeeze. A few hours later he would see another woman go up to a man on the street, pull down his pants, and start sucking his cock.
That would all come later, though. Right now, Danny had to find a relief. He left the aisle with the young man and went back toward the front of the store. There was a pretty woman coming in the entrance with her son, so Danny passed her up. There was also a couple that came in and Danny figured the man would react badly to another man making moves on his wife. Danny was about to go back outside when he noticed one of the cashiers on break. She was sitting at a table drinking an energy drink after just finishing her sandwich. The cashier was about twenty with long red hair. She was a small girl with almost no breast or ass, but Danny didn’t exactly care at the moment. She was wearing jeans and a polo with the grocery store’s logo. The cashier was also very pretty. That is when it donned on Danny that he hadn’t see a single woman or man that was unattractive. Sure, there were those that were better looking than others, but none that were ugly.
Danny approached the cashier and placed a hand on her hand. He bid her to stand. She did so without protest. Danny then gripped the girl’s ass. A smile spread across her face. Her nametag said Jessie, so Danny said, “How much time do you have?”
“Plenty,” Jessie replied.
She unbuttoned her pants and pulled them off along with her panties. She sat on the table with legs spread. Danny had thought to just get a blowjob from her, but her display was inviting. He licked his fingers and gave her clit some attention while he took off his pants and boxers. He and Jessie were nude from the waste down for the whole grocery store to see. He took the cashier with a half dozen pairs of eyes watching. Danny slid into her with ease. Jessie’s wet cunt didn’t have the tightness of a virgin, but it also wasn’t too used up. In Danny’s heightened state of arousal, it only took about two or three minutes of thrusting to unleash his load into her. As he finished, he bit into Jessie’s neck. The cashier cried out with pleasure.
Jessie pulled her pants and underwear back up after Danny’s softening cock left her. She had not cum. However, this had been Danny’s initiated act. It was for his pleasure, so she did not complain. She did give him a kiss, and he spanked her ass. She went back to work at one of the registers. Then, Danny was aware that the ones who watched him come up and fuck the girl were gone. They had watched some, but one by one they left after being rung up for their items. It was such a strange feeling to do things this way.
Danny left the store and went to a nearby fast-food place. He had to be careful with his money; he only had $63 on him when he fell through the rift. While in line, Danny was already eager for some more fun. He let the woman behind him, a blonde in her mid-thirties with D size breasts, go in front of him. Then, he reached around her with both hands and massaged her tits. She accepted the touch. The entire time they were in line, Danny gave her tits attention. While she was ordering, he put his hands under her shirt and bra as well. Danny stopped the grope when she moved out of line. He was disappointed that she wanted her order to go because he had hoped she would come suck his cock while he ate.
After his burger and fries, Danny ventured out into the town again. He spent the day watching and learning. First, Danny learned that this world was actually almost two months behind his own, so the rift was a time anomaly in addition to being a space and dimensional anomaly. Second, Danny learned that even married or coupled men and women seem to be fucked even with their partner in front of them. It seems those who are taken by bonds of marriage or commitments to another are open sexually. Third, Danny discovered that rape wasn’t a concept in this world. If a woman doesn’t want the advances of man, she simply tells him “no” or shakes her head, the man accepts that, and he leaves to find another conquest. It is the same vise versa. The idea of someone forcing themselves sexually on another doesn’t exist in this world.
In late afternoon, Danny sat on a park bench with his cock out. After about 10 minutes, a blonde woman stopped her jog and bent down suck his cock. After mounting pleasure and a hardened member, Danny tried to bend her over the park bench. However, she brushed him off. After releasing the truth about how sex is handled in this world, Danny decided to not try to convince her to fuck him further. Instead, she sucked him off to his climax and a came in her mouth. Danny gave the woman a kiss on forehead and a pat on the cheek. She smiled at him and continued on with her workout. Danny watched her sweet ass move down the path. He realized then that he was already making plans for how to live in this world rather than thinking about returning to his own. Would he ever look back in that cave to see in the portal was there again? Danny didn’t know yet, but he did know that would make the most of his time here and fuck his fill in this world of Free Use.


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- The Food and Drug Administration has paused a vaccine trial that reached Phase 2/3 of human testing, Inovio’s INO-4800 experimental drug.
- This is the second vaccine research to be paused after the AstraZeneca/Oxford trial was halted a few weeks ago.
- The FDA paused the AstraZeneca trial because of safety concerns following an incident in the UK.
- The halt on Inovio’s candidate is different. The agency wants to know more about a delivery device before the research can proceed.
What seemed like fantastic news in the first months of the novel coronavirus pandemic, that a vaccine would be finalized within 18 months, might backfire spectacularly. It can take several years to develop an effective and safe vaccine that can prevent the transmission of a highly infectious illness, but many teams that began work on COVID-19 vaccines said it could be done much faster. Various technological advancements allowed vaccine makers to start development much more quickly and reach clinical trials earlier than they would have in the past.
At least a dozen vaccine candidates have reached the final stage of testing, and some of them might be approved for emergency use in the coming weeks. But recent developments in the world of vaccines may have eroded public trust in the first wave of COVID-19 vaccines. Russia’s decision to use a drug before the research deemed it safe, revelations that China has inoculated thousands of people, or Trump’s perceived hurry to have a vaccine approved by November 3rd might give some people pause. AstraZeneca’s recent safety incident is also concerning, as is FDA’s decision to place a hold on a different experimental drug in advanced testing stages.
Dubbed INO-4800, the DNA-based vaccine candidate from Inovio Pharmaceuticals has reached Phase 2/3, but the FDA placed a partial hold on the clinical trial, tanking the company’s share in the process.
The FDA has also paused the AstraZeneca/Oxford Phase 3 trial in the US after a patient in the UK developed unexplained side effects, deciding to investigate the matter. The UK arm of the trial has resumed a few days after the incident was detailed a few weeks ago.
The hold on Inovio’s drug has nothing to do with the safety or effectiveness of INO-4800, explains ClinicalTrialsArena. The FDA wants more information from Inovio about the use of the Cellectra 2000 delivery device. Inovio will respond to the request next month, and the FDA will have up to 30 days to decide whether the trial can proceed.
So far, the Phase 1 results showed that INO-4800 is safe and well-tolerated, and the company plans to go forward with testing. The first stage of testing included 40 volunteers, 94% of which developed immune responses six weeks after two doses of the drug.
Cellectra is “an electroporation device that uses brief electrical pulses to create small openings in cells that allow injected genetic material to enter more easily” per Bloomberg.
INO-4800 stands out from the crowd of vaccine candidates in advanced stages of human testing because it’s a DNA vaccine. Moderna and Pfizer/BioNTech both use mRNA techniques to induce an immune response, also a novelty for the field. Whether or not INO-4800 is approved, failure in vaccine or drug research is part of the process.

domain: medical


text:
Item No: MOKK-704
Material: Natural Marble Stone
Size: Regular Size or Customized Size
Insurance: Cover All the Risk
Package: Strong Wooden Case
Service 1: Customize Acceptable
Service 2: 30 Years Quality Guarantee
Technique: Art-quality Hand Carved, Polished
Advantage: Factory Direct, Door to Door Delivery
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This gorgeous black marble lion statue is one of the popular styles in You Fine. Here you can choose different colors, such as white, black, gray, beige and so on. At the same time, the natural marble materials also come in various styles, such as marble, sandstone, travertine, granite, etc. Besides, you can choose different designs including lying lion, sleeping lion, walking lion, roaring lion, etc. Tell us what your needs, and we can all help you find your favorite design.
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Of the many things that made MS Dhoni special, it was his ability to feel secure about himself away from the spotlight that really stood out.
As a captain, Dhoni famously gave the winning trophy to the youngest member in the squad so that they could lift it while the team celebrated. People noticed this right from his first triumph, the T20 World Cup in South Africa and this continued till the end of his captaincy.
While many people wondered why he would do something like this, Mahi recently revealed his real reasons for it.
ALSO READ : India-Pakistan matches to finally happen!?
“It’s just that, if there is any youngster in the team who has performed well in the series and you hand him over the trophy, it works as an appraisal for him. You are appreciating what he has done. It gives them a lot of confidence,” he was quoted saying to Aaj Tak.
“At the end of the day, we have won the trophy. It doesn’t matter who holds it. But if I hand it over to some youngster and I’m getting benefited that he could perform better in future by this gesture then it’s a win-win situation for us,” he added.
It was one of the many contributions that Dhoni has made to Indian cricket. Now we can also see the current skipper Virat Kohli handing over the trophy to other members which shows that this will now hopefully be carried out by future captains.
A small but important little contribution from Mahi!


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The Central Bank of Nigeria has said it will, together with the Deposit Money Banks, set up a new fund to boost agriculture and the Small and Medium-sized Enterprises in the country, targeting at least N30bn for the first year.
The Governor, CBN, Mr. Godwin Emefiele, disclosed this on Saturday at a press briefing after the eighth Bankers’ Committee annual retreat in Lagos.
He said the Agriculture/SME Fund would be unveiled on January 1, 2017, but the money would not be available until around March or April after the DMBs’ audited accounts would have been presented to the public.
Emefiele, who is also the Chairman of the Bankers’ Committee, said the committee would continue to promote an efficient and stable economy to deliver price stability, financial system stability, financial inclusion and economic growth.
According to him, the committee has defined goals for 2017 to include supporting government’s efforts to develop adequate infrastructure to engender viable and productive SMEs, and increasing access and cost of funding, particularly to the agriculture and manufacturing SMEs.
He said, “We will identify opportunities to provide funding and necessary support for agriculture and manufacturing SMEs, including structures and systems to improve the ease of regulatory compliance.
“The central bank will, together with the banking sector, establish an agriculture/SME fund from contributions of a portion of profit after taxes of Deposit Money Banks as a deliberate strategy to support the funding and access to finance by the SMEs and primary agriculture.”
The governor said the modality for the fund, which will operate as an equity fund, would be worked out by the Bankers’ Committee and communicated in due course.
He said the committee would continue to focus on capacity building and expansion as well as deepening awareness of available information infrastructure.
The communiqué issued at the end of the retreat, “Efforts will include providing industry-focused SME financial skills curriculum to develop financial and business capacity; promoting the need for capacity building; promoting the use of payment systems; providing shared structures for basic financial records; and providing the use of new and existing financial infrastructures for access to credit.
“Over the next few days, the Bankers’ Committee will finalise the strategy, governance framework action plan and assign responsibilities for implementation of the committee’s programme for 2017 that will achieve the desired results and outcomes.”
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domain: finance


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Teri Bernstein, MBA, CPA has been teaching full time in the Business Department of Santa Monica College since 1985. Prior to that, she worked in Internal Audit and Special Financial Projects for the 1984 Los Angeles Olympics, CBS, Inc., and Coopers & Lybrand. She attended the University of Michigan and Wayne State University.
Is honesty the best practice for everyone? In this day and age, does the practice of Enlightened Egoism (that balances self interest with the needs of others) mean that the practitioner will miss out on bonuses and windfalls? How do short term and long term decision making inform this issue?
The articles in the linked "Room for Debate" section in the New York Times touch on several viewpoints on this topic. Some of the points raised were:
We all have to make daily choices about honesty at home and at work. But we each have to live with ourselves in the long run. It might be worth it to consider the issues raised in these essays.
Sources: "Is Honesty for Suckers?" or "The System is a Con Game, with most of us victims," by Robert Reich, et. al., Room For Debate--New York Times, September 29, 2015."Dishonesty Only Provides Short Term Benefits," by Dan Ariely, part of the "is Honesty for Suckers?" debate, above. ....and others weighing in on the same topic.
Last year, using advice from behavioral psychologists, the federal government made a change to a reporting form used by vendors selling everything from office supplies to complicated equipment to the government. The forms are used to report rebates owed by the vendors to the government. These rebates are similar to discounts based on the volume of the previous period's sales. Instead of having the vendors sign the reporting form at the end, government experimenters moved the signing (i.e. the attestation of correctness) from the end of the form to the very top of the form. The result?
Vendors were more honest, and reported more rebates owed to the government. An extra $1.59 million in revenue was received as a result--a 6% increase.
Typically, systems are set up--by governments and by businesses--assuming that people are rational. But the psychologists have argued that not only are people irrational--they are irrational in ways that can be predictable. Projects are set up to "nudge" people to act in a certain way--increasing the behavior that the government or business wants. A few of these projects:
Since all marketing and efforts to increase revenue or decrease costs involve modifying the behavior of others, it makes sense that behavioral scientists are being employed based on research studies. Sources: "Behaviorists Show the U.S. How to Improve Government Operations," by Binyamin Appelbaum, New York Times, September 29, 2015.
"Signing at the beginning makes ethics silent and decreases dishonest set-reports in comparison to signing at end," by multiple authors, and delivered at a conference held by the Proceedings of the National Academy of Sciences (PNAS), published by Harvard Business School, July 23, 2012.
YouTube video on how to pronounce Chick-fil-A
Chick-fil-a--in case you haven't read any of the stories about its owners' controversial political positions--is a privately held fast-food restaurant. Before the controversy, I used to think it was pronounced "Chick-Fill-aah"...accent on the "Fill." Wrong. It is more like "chick filet." Its signature product is a breaded piece of chicken in a soft bun with pickles.
from the NYT article linked below.
The news this week is that it is expanding to New York City--an interesting move, given its "Southern Hospitality" reputation. Its cow commercials might also not appeal to the typical New Yorker:
Chick-fil-A cow commercial
One thing that sets Chick-fil-A apart from many fast food chains is that it is "privately held." This means that its stock does not trade on a public stock exchange: there has been no IPO. It is held by a limited number of people, who are restricted from selling the stock widely. If you go to its website, you will see no "investor relations" tab with financial statements. It is privately held, so it does not have to publish that information to the public, like corporations that are publicly traded must.
How can those owners afford to open new stores, then, if they don't sell stock to others to raise the cash to build and expand? They do it by having franchisees, most of whom operate just one store. The revenue model is that the owners of the Chick-Fil-A stock split profits with the franchisees 50-50.
Even though the company is privately held, its public relations team makes sure that there is some financial information available concerning the company. For example, last year individual stores posted 8% growth, and this year Chick-fil-A expects double-digit growth. This is in a period where other fast food companies are not doing as well as they have in the past.
Chick-fil-A expects that their New York City location will produce the highest number of sales of any of the 1900 stores franchises.
Source: "Chick-Fil-A Brings its Sandwich, and Its Values, to New York, by Stephanie Strom, New York Times, September 30, 2015.
photo from Huffington Post
Mindfulness in the workplace has become quite popular. Time magazine did a cover story on the practice. More importantly for this course, note the following:
Nevertheless, observers who understand the principles behind mindfulness argue that corporations have adopted a "take what you like and leave the rest" attitude toward the buddhism-based mindfulness practices. From the secular web source Wikipedia, we find this definition:
Mindfulness...is the intentional, accepting and non-judgmental focus of one's attention on the emotions, thoughts and sensations occurring in the present moment, which can be trained by meditational practices that are described in detail in the Buddhist tradition.
For example, the Buddhist principle of "Right Speech" might apply among co-workers at a lower level, but managers, VPs and marketers may have different standards that apply to them. "Right Livelihood" may not apply at all to a corporation that fights against labeling for genetically modified food products. From the corporate standpoint, mindfulness practitioners are less likely to be reactive and angry. They are more likely to consider things thoughtfully and respond with equanimity. According to the article linked below, corporations have an interest in adopting practices that mitigate the following:
NYT writer David Gelles, in his book "Mindful Work" blames the employee's own thinking patterns on the stress that leads to these losses. However, a Stanford-Harvard study suggests just the opposite: "A meta-analysis of 228 studies showed that employee stress is not self-imposed nor due to a lack of mindfulness." Stress among workers, according to a synthesis of all of these studies, is due to these corporation-caused stressors:
David Gelles and the Stanford-Harvard study come to very different conclusions. Other observers mentioned in the Salon article have other interesting theories on this topic.
What do you think?
Source: "Corporate mindfulness [...]: Zen or no Zen, you're working harder and being paid less," by Ronald Purser and Edwin Ng, Salon.com, September 27, 2015.
a parody of the pumpkin spice craze from imgflip.com via the Satellite Sisters Facebook page
What a marketing triumph! Starbucks Pumpkin Spice Lattes are in their 12th year, the webpage PopSugar is once again ranking the pumpkin products for this season...and the seasonal institutionalization of this marketing idea has become so entrenched that it is now being parodied.
Here is a video via Huffington Post:
Additional parodies (or are they real products??) are HERE.
All of this attention probably brings additional sales to the grandmother of all pumpkin spice products: Starbucks Pumpkin Spice Latte.
Source: "The pumpkin spice latte officially returns September 8th" by the Starbucks Secret Menu website, September 7, 2015.
For many twenty-somethings, home ownership seems impossible--many can't afford to move out of their parents' homes to get their own (high-priced) apartment. Also--many older home-owners can no longer afford to pay their mortgages--unless they have the help of their kids or other family members, who may or may not live with them.
Fannie Mae has created a new mortgage plan that addresses this reality. It is called the Fannie Mae Home Ready Loan. In approving the loan, Fannie Mae takes into account the incomes not only of the home owner whose name is on the title, but also of the others who are contributing to the mortgage payments. This allows people to stay in their homes, and allows family members to contribute to the main household expense. It will allow more people to legitimately qualify for mortgages. The Vice President of Single Family Analytics and Affordable Housing Strategy at Fannie Mae, Jonathan Lawless, relates this research:
"Fourteen percent of households that have a mortgage have an income-earner of significant income living in the same household," Lawless says. "That percentage is 19 percent for African-American households and 24 percent for Hispanic households."
This new plan may help everyone in these extended families.
Source: "All in the family: the new mortgage math," by Noel King, American Public Media: Marketplace Morning Report, September 16, 2015.
Here's where it makes a difference: an increase in the Federal Reserve interest rate would allow banks (working on a cost-plus model) would RAISE RATES FOR BORROWERS. But....THAT DOESN'T MEAN THEY WOULD RAISE THE RATES THEY PAY TO DEPOSITORS.
Right now, bank deposits are very high--so banks don't want to pay out more interest across the board.Here's another thing: When the Fed announced there would be no increase in interest rates, investors sold their bank shares. Banks stocks declined. No wonder banks are disappointed!
Source: "Why Banks Are Disappointed in the Fed," by Tracey Samuelson, American Public Media: Marketplace, September 18, 2015.
The market share of different types of beer has changed over the last five years. There are the classic beers, whose market share is shrinking. There is a growing market segment of craft beer aficionados. To gain control of the market, the big beer companies have been on a buying binge (Anheuser Busch InBev owns over 200 brands)...and this is the latest and biggest buying move yet. Just so you know who-owns-whom at this point, here are the top brand line-ups for the two major beer "powerhouses." These two companies each own many other brands, but these are some of the best-selling.
First, Anheuser-Busch InBev:
The top brands of the other big company, SABMiller :
This week, Anheuser-Busch InBev proposed buying SABMiller. In response, SABMiller's stock rose 20% to $56.47 per share on September 16, 2015. As I said before, this merger is in response to the disparate growth between the Big Beers and craft beers. Over the last five years, the annual growth between the two groups has been:
The big brewing companies don't want to see their market share and their profits eroding at this rate. We'll see if the sale goes through; some observers see hurdles. Analysts predict that if it does happen, the mega-company will be able to reduce costs, but they won't be able to change the artisanal-trending consumer preferences. You don't have to drink beer to be fascinated by the changing market.
Source: "Beer-brewing giants prime for mega-deal," by Samantha Musunaga, Los Angeles Times, September 16, 2015.
sample question from Optimize Hire Questionnaire
The question above seems like a practical question to ask a candidate for employment. But much of the new "Human Quality" testing of job applicants asks questions that seem not to be related to the job. Here are some questions (with comments from Eliza Gray) from the article in Time:
The article poses a question that came to my mind, as well: What do these questions have to do with how a person will perform on the job?
It turns out that the way employers are often using this data is by correlating answers to the answers that known successful people might give--when all of their responses are aggregated together. Individual questions may be analyzed separately, so the person is not evaluated as a whole human being . An individual might be eliminated because he or she just doesn't answer a certain question or questions like long-term successes might answer them. Here are some additional example questions that might give a distorted picture of an individual's potential (from Time):
"When I was young, there were times when I felt like leaving home.""I dislike the high taxes we pay in this country.”"Sometimes I’m not sure what I really believe."
Time found that employers and testing companies were unwilling to give out test samples, as they feared that potential applicants might learn to "game" the questions. And hiring candidates might really want to study for these exams: 457 of the Fortune 500 companies are using Gallup’s StrengthsFinder (a supposedly similar test can be found HERE). Some companies give tests where employees have to respond to over 95 questions such as these.
The theory is that the tests provide an "objective" look at hiring candidates, and can be an easy tool for screening a large pool of applicants. But there are good employees who may have special qualities needed in the new workforce, but that are not supported by the Big Data algorithms.
As students look to get their first career-level jobs, or switch jobs...or even come up on an annual review--they should be prepared to face tests similar to these.
Sources: "Questions to Answer in the Age of Optimized Hiring," by Eliza Gray, Time Magazine, online edition, June 15, 2015; cover story of magazine published June 22, 2015.
Paddy Hirsch on YouTube via Marketplace, linked below...but be alert for the ad in the middle
Paddy Hirsch's video above explores exit strategies for financial investments...not the "exit strategies" that might be pondered in relationships or social gatherings. But the principles are the same: maximizing the outcome for oneself. In Hirsch's example, an investor in a start up company has three exit strategies, or opportunities where she might be able to sell her stock at a profit:
Investors who are already invested in a publicly traded stock, may also want to develop an exit strategy for when to sell in a falling market...or in a bull market, when one imagines that the stock may have reached its peak price.
Decisions, decisions, decisions.
Source: "Exit Strategy," by Paddy Hirsch, American Public Media--Marketplace Whiteboard, May 15, 2015.
image from the Forbes article linked below
Initial Public Offerings (IPOs) can capture the attention of the media. Curiously, the stock sales that result from them are the ONLY stock transaction that the corporation records for stock issuance. The subsequent sales, at a loss or profit, are in the "secondary market" and do not affect the financial statements of the issuing corporation. They do not see the gains that the stock investors reselling the stock see.
IPOs are a way for a growing company to raise money for expansion.
Forbes Magazine, on a periodic basis, creates a list of IPOs that are upcoming...and potentially interesting to investors (descriptions in "quotes" are from Forbes):
We'll see how these IPOs play out...or if they are delayed due to market conditions.
Source: "The IPO class of 2015," by Forbes editors, 2015.
Follow up: Which of these IPOs are most interesting to you and why?
The New York Times best seller list for Business books has several titles on it that were on it last Spring when I last did this list.
Here are the top ten:
What is interesting is that some of the business books have such "legs"--or the ability to sell books long after the publishing date. I guess that would speak to timeless wisdom. I'd like to recommend a few other titles to add to this list:
Steve Jobs, by Walter Isaacson--a not-too-positive take on the career of Steve Jobs--and an adaptation is soon to be in theaters near you (in case reading a book is beyond what you can schedule in at this point).Becoming Steve Jobs, by Brent Schendler--said by some observers to be a more cogent and straightforward tale of the CEO's uneven but enviable career. How to Win Friends and Influence People, by Dale Carnegie (1937; reprinted 1998); "Changed my life" said Warren Buffett.
Source: The New York Times, Book section, September 13, 2015.
This Budweiser ad aired only once. It was intended as a tribute to the victims of 9/11. The company chose to air it just one time (though it cost thousands to produce) with the stated intention of showing respect for those who died in the tragedy.
Reaction to the ad was mixed, however. Here are some opposing viewpoints from the YouTube page:
"This was the perfect commercial in giving giving respect to fallen on that tragic day. Budweiser had proven themselves to not only produce a great Beer but have writers that can create Heart breaking, funny and warm hearted commercials for the Superbowl, keep up the great work guys."
"WOW that was soo offensive. To exploit a National tragedy just to get people to buy beer. It makes sense why it only aired once. Its totally disrespectful to those who died even though the commercial pretends not to be but when it comes down to it , its a f***ing beer ad."
What do YOU think?
Source: YouTubeFollow up:
A slightly disturbing commercial aired during the Thursday night season-starting football game between the New England Patriots and the Pittsburgh Steelers. The experiment had people using yellow magnets to indicate positive life experiments and blue magnets to indicate negative experiences. The magnets were posted on two walls: one for the past, and one for events anticipated in the future.
When they were done, the mosaic of magnets showed the past as an almost even mix of blue and yellow--with maybe the blue (negative) predominating. The future was predominantly yellow.
The "teaching moment" spokesperson, Dan, chose to point out to the crowd that they were optimistic about the future...but their past experience showed they bad things happened at least equally as often. Dan even got them to acknowledge that "there would be down times."
In other words, people shouldn't be so optimistic. The implied take-away was that folks needed to buy more insurance. This marketing approach was a different take on the often-used advertising technique of making a person feel bad about themselves. A person might be depicted as too smelly (buy our soap/deodorant/perfume) or too fat (buy our low-calorie treats) or too out-of-it to get the best deal (on their new car, on their phone plan...or on their insurance policy). The overall message of this type of advertising is, "Maybe you didn't know this about yourself or what you are spending your money on, but I'm pointing this out to you so you can fix it and still look good in your circle of friends."
This "magnet experiment" is different. It gets into participants' inner lives, asking them to call up emotional experiences and reveal themselves. Then, Dan, the person in charge, points out that their feelings (their hopes and dreams--their optimistic outlooks) are--quite obviously--wrong. The camera pans out to reveal how completely wrong they are--clear to everyone at home looking at the balanced bad/good wall on the left and the almost entirely yellow (good) wall on the right. The message: It's just wrong to be optimistic because so many bad things happen. While perfume might make a person smell better, or switching a phone plan might actually save a person some money...buying insurance is NOT going to change the fact that bad things will happen in the future. I'm wondering if viewers were moved to buy more insurance...or if they just wanted to "shoot the messenger" that reminded them that it was wrong to be optimistic.
Source: "Prudential Magnet Experiment", originally aired February 2015; aired during the NFL game on September 9, 2015.
graphic from blog.melanietoniaevans.com
Accusing a "bad boss" of being a "narcissist" is an unskillful and too-casual use of a word that can describe a serious personality disorder. Nevertheless, there is a spectrum of narcissistic qualities. Most of us exhibit some of them, at least occasionally. Some of the negative aspects of narcissism include:
Some of the most successful CEOs have been given this label--notably, Steve Jobs. Two positive qualities that might be present in narcissistic executives might mitigate the negatives: empathy and humility. Having these qualities means that--at least some of time--the leader is able to listen to others and understand what they want. Steve Jobs clearly could do this on a broad scale, but he gained some of his reputation as a narcissist from exhibiting the negative qualities with his work associates.
trailer for the 2015 movie Steve Jobs
One of the reasons that narcissists (the ones who can mitigate their extreme negative qualities) are successful, is that they attract a certain type of very productive, loyal, and curiously co-dependent employee (Mary A. Ross, linked below). This type of employee:
A loyal, co-dependent employee is unlikely to confront a difficult boss, and is likely to work hard to satisfy him or her. Until the employee reaches their breaking point, this kind of dedication can produce results.
This simplified model of a psychologically dysfunctional but financially successful workplace is presented as a cautionary tale to those entering the workplace and those working as managers. Narcissists function best at the very top of an organization. They are not team players, and can make life difficult for their co-workers and underlings. They are a destructive force in middle-management, so human resource managers might consider screening for narcissistic tendencies in the hiring process.
Maybe more importantly, each individual might consider looking at how he or she might fit into an organizational structure. If one finds oneself miserable at work, it is worth examining whether the narcissism/do-dependency model might inform the situation. Awareness is a helpful step in examining possible courses of action and either avoiding a difficult situation or making changes if one recognizes an intractable work pattern.
Sources: "Bosses Who Love Themselves," by Phyllis Korkki, the New York Times, March 7, 2015."'Humble Narcissists' like Steve Jobs make the best business leaders, study says" by Justin Wm. Moyers, The Washington Post, March 27, 2015.
"The Dark Sides of Leadership and Loyalty: Exploring the relationship between Narcissism In the Workplace and Organizational Co-dependency: A Review of the Literature," by Mary A. Ross, Regent University School of Global Leadership and Entrepreneurship, May 2008 and 2010.
The US Olympic Committee makes its decision: Los Angeles is the U.S. contender to host the 2024 Summer Olympic Games.
Having the Olympics in your home city sounds pretty exciting...unless you have to plan for it and pay for it. There has been a lot of news lately about how much trouble Rio de Janeiro is having getting ready for the Summer 2016 Olympics. They aren't on schedule and they don't have enough money to speed things up. They can't raise it from local business partnerships--businesses that theoretically might profit from a city full of visitors. When politicians want to lobby for their city to be an Olympics venue, they have to sell it to the business community--as well as the taxpayers that elect the City Council--that it will be worth the costs--both monetary and non-monetary.
A big event like the Olympics is a risky business venture...and the city that hosts only gets one chance to make money or break even. Here is a rendering of the general locations of venues on the plan submitted by Los Angeles:
from the bid put together by the Southern California Committee for the Olympic Games
The 1984 Summer Olympics was in Los Angeles. And it made money. It was the first Olympics not sponsored by the U.S. government, so it had to raise its own money. The 1984 Summer Olympics was run "like a business" by Peter Ueberroth--and it made a profit of $232.5 million. From Alissa Walker's article linked below:
"He (Ueberroth) organized a committee that functioned more like a corporation, dubbing it LA84 and creating a board consisting of entrepreneurs and other financially savvy leaders. Accordingly, the games would be funded by unprecedented corporate sponsorships, impressive private fundraising, and, for the first time on U.S. soil, television deals. The committee sold the television rights to the broadcast to ABC for $225 million, raising a large amount of money far in advance of the games. Leave it up to the entertainment capital of the world to strike such a smart deal."
I worked in Internal Audit for the 1984 Olympics--not as a volunteer, but as a well-paid employee. Our duties continued for more than six months after the Olympics were over. Over the time period when LA84 was collecting deposits from countries and sponsors, the WSJ Prime Interest Rate ranged from 11% to 13%--and some investment returns were much higher. (Now that rate is 3.25%). LA84 collected the money early and paid the deposits back late, earning interest all the while. From the same article:
"In 1979, the L.A. organizing committee had made a deal. If the games saw any profits, LA84 would give 60 percent back to the U.S. Olympic Committee and keep 40 percent for Southern California. At the end of the games, the total expenditures came in at a respectable $546 million, but even more impressive was the profit: A surplus of $232.5 million, meaning $93 million would stay in the region."
Can this happen again? It is not likely. The International Olympic Committee (IOC) now has more requirements regarding what has to be built and provided as infrastructure. A larger population means that logistics hurdles are more significant. Interest rates are low, so the opportunity to invest cash-on-hand at a high profit doesn't exist. In addition, the way the Olympics are televised has changed so revenues adjusted to current dollars might not be as high.
At any rate, there are also several European cities in contention to become the 2024 summer venue for the Games. And the IOC won't make a final decision until September 2017. A lot can change in the business environment between now and then.
Sources: "Los Angeles to Be U.S. Bidder to Host 2024 Olympics," by Ian Lovett, the New York Times, Sept 1, 2015.
"The 2024 Summer Olympics," Wikipedia.
"How LA's Summer Olympics Became The Most Successful Games Ever," by Alissa Walker, GIZMODO, February 6, 2014.
a trailer from the upcoming documentary about Malala's story and her work
Malala Yousafzai gained world-wide fame as a survivor of a gunshot wound to the head--and the Taliban violence against women that it represented. Instead of feeling sorry for herself, or hiding in fear, she continued to speak out about the need for education for women, world-wide.
Malala has used her fame to build a non-profit business--The Malala Fund--which raises money (as well as awareness) to fund school-building projects and to spread information about the need for education in countries that limit opportunities to learn. Its mission states these activities:
A nonprofit organization uses business principles to build a brand, and expand its customer base. The difference is that the excess revenues--rather than being distributed to passive investors, must be used to further the mission of the organization.
Malala's success in building her "brand" can be an example for all entrepreneurs, both profit-motivated and mission-driven.
Source: "How Teenage Activist Malala Yousafzai Is Turning Her Fame Into A Movement," by Jessica Lieber, Fast Company/Co.Exist, September 1, 2015.


Shares of Ford (NYSE: F) were falling today after the company reported second-quarter vehicle-sales results. While vehicle sales increased 1.8% over the period to 483,688, they fell far short of analysts’ average estimate for an increase of 4.2% from the year-ago quarter.
The automotive stock slid by as much as 6.3% today and was down by 2.4% as of 2 p.m. ET.
Ford filed its latest vehicle-delivery figures with the SEC today, and the company reported a 31.5% increase for its June deliveries, year over year.
“Amid industrywide supply constraints, Ford outperformed the industry driven by strong F-Series, Explorer and new Expedition and Navigator SUV sales,” Andrew Frick, Ford’s vice president of U.S. and Canada sales, said in the filing. And while the automaker’s June sales increased significantly, investors latched onto the fact that deliveries for the full quarter were lower than what analysts were expecting.
Investors may be taking their negative sentiment cues from the broader automotive market, which has experienced recent vehicle sales declines. GM‘s U.S. sales fell 15% in the second quarter, Toyota‘s dropped nearly 23%, and Stellantis‘ U.S. sales tumbled 16%.
While Ford’s second-quarter vehicle-sales growth was better than many of its competitors, investors are likely focused on the fact that recession fears continue to grow amid high inflation and the Federal Reserve’s interest-rate hikes. With so much uncertainty concerning the U.S. economy and how consumers will respond to inflation, Ford investors can likely expect more volatility from the automotive stock in the near term.


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Lately, we’re all feeling extra grateful for our healthcare workers. While a pandemic brings the value of our community health workers to the forefront of our mind, the truth is that they, and those who support them, are always doing amazing things! They cheer up sick kids, find unique ways to communicate health messages, and figure out how to provide the best care even in less-than-ideal situations.
In honor of those working tirelessly to help keep the world healthy, we wanted to highlight a few healthcare heroes from around the world:
Mu Mu in Thailand
Story by Winai Sittinukulchai
Ranong District is a small province in the south of Thailand whose economy relies primarily on the fishing industry. A quarter of the population is made up of migrant workers, mostly from Myanmar. Communities are crowded and made up of children, adults, and the elderly. Just one person with COVID-19 could spread the disease rapidly.
Migrant workers face an added challenge: Though they are equally susceptible to infection, a language barrier makes it harder to receive messages about prevention that public health officials are trying to spread. World Vision Thailand has joined hands with the Ranong District Public Health Office to help get the word out to the migrant community.
Their joint efforts have helped established a network of health volunteers who live in migrant communities who can help overcome the obstacle of cross-cultural communication, translate health materials, and help get patients to treatment quickly if needed.
Mu Mu is one of those health volunteers. She serves as an interpreter, helping communicate important messages about how to avoid coronavirus infection. “As a Myanmar national, I’m glad to do my part, I don’t help only my Myanmar migrant friends who work in Thailand but also the Thai government by supporting public health promotion, especially in the middle of the pandemic right now,” Mu Mu says.
Thitya, a World Vision staff member in Ranong province, says that the outbreak won’t be controlled if they only focus their efforts on Thai nationals. Health volunteers like Mu Mu make it possible to get important messages to both groups equally and put a response plan in place.
Thankfully, proactive measures taken through the collaboration of the Thai government, World Vision Thailand, and health volunteers like Mu Mu, have helped everyone in Ranong province access prevention knowledge. As of March 31, Ranong has no reported cases of COVID-19.
Min in China
Story by Cassandra Li
Min has been a community-based social worker in Yangjiang City in China since July 2017. Her duties have generally entailed handling expense claims, helping children, and managing volunteers.
But, like all of us, her life changed after COVID-19.
When the outbreak hit Yangjiang City, the government requested citizens stay home in quarantine. That’s when Min and her colleagues went into action. They started visiting community residents regularly to take temperatures, distribute prevention information, talk about the importance of staying home, and help ease panic.
After schools announced that classes would be going online, Min and her fellow social workers began checking in with students via phone calls and WeChat to make sure students could participate in online classes. In some cases, they invited students without the needed equipment to use computers at the social work station, even helping students with their homework when needed.
But Min began to worry when she and her fellow social workers started to run short of protective gear. If she and her coworkers couldn’t have proper protective equipment, they could pose a risk to the children coming in to do their studies. Thankfully, World Vision provided the social work stations with additional supplies, including critically needed disinfectants.
“I am grateful that World Vision has us social workers in mind, and to fight by our side in this difficult time. Your action is like sending charcoal in snowy weather,” Min says. Now the social workers can sterilize equipment thoroughly after their daily rounds, keeping themselves and the kids they work with safe. Min is looking forward to the day when the pandemic is over and everyone can return to their normal lives.
Dave in Seattle, Washington
Story by Sevil Omer
A shortage of masks, protective gear and medical supplies posed a great concern for Dave Kwok, executive director of HopeCentral, a faith-based pediatric primary care and behavioral health clinic in the Seattle-area.
“We’ve been trying to get masks for a couple of weeks and not clear what the supply chain looked like,” Dave says. “I just couldn’t and can’t get my hands on any.”
While children are at lower risk, Dave shared it was critical to keep the kids’ caregivers and the larger community safe.
Earlier this week, pallets of medical personal protective equipment arrived at the World Vision warehouse in Fife, Washington. The shipment of masks, gloves, gowns, and coveralls were distributed to Puget Sound-area health care workers.
Dave garnered a banana box filled with medical gowns, surgical gloves, and hand sanitizers. World Vision also supplied the health care director with a cart filled with containers of disinfectant wipes—and boxes of surgical masks for his team. His clinic staffs three pediatricians and a team of psychologists who serve 1,000 children.
“It’s been helpful in a season that so much is unknown, but for World Vision to be responsive, a resource that we can have a dialogue with—that is super helpful,” Dave says. “We don’t push our faith out to the families we serve, but in a time such as this, we want everyone to know that God is much bigger than this coronavirus.”
Even in times of worry, our hearts can be full of gratitude. We’re grateful that God is good, and that God’s given us so many amazing people to help in times of trouble: doctors, nurses, social workers, volunteers, and (insert your hero here)! Thank you for answering the call to serve the vulnerable.
We’re also grateful for the funding that helps support these amazing people, some of which comes from the U.S. foreign aid international disaster assistance account. With the combined efforts of governments, humanitarian organizations, and amazing community health workers, World Vision is able to respond in some of the most challenging situations around the world. Thank you!
Give thanks to the Lord, for he is good;
his love endures forever.— Psalm 118:1
We ask that the U.S. Government continue to robustly fund foreign assistance programs, including funds for child protection, early childhood care and education, basic education, global health, and humanitarian response. We ask that these funds be directed through the International Disaster Assistance account in order to remain flexible and adaptive to context and needs.
Top photo: Min went door-to-door to help community residents take their temperature daily. © World Vision 2020

domain: news


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In 2022, the routes for all the events remain unchanged from last time, except Endurance10 which has been reversed (will start at Chesham and finish at Great Missenden).
Please NOTE that changes may be required to the route due to the works on HS2 between the Start and checkpoint 1. We believe we have captured all the changes necessary. If we do need to make further changes then we will let you know on this website and on Facebook.
Take a look at the walker route and trace it through on an OS map:
- Landranger sheet 165 (Aylesbury and Leighton Buzzard)
- Explorer sheets 181 (Chiltern Hills North) and 171 (Chiltern Hills West)
Click here to find fully annotated instructions for the routes.
Click here for instructions about the unmanned checkpoints.
PS If you use part of the route for your training hikes and find anything unexpected or that appears to be different from the instructions either (or both) contact us or (and) post it on our facebook page.
PPS Do tell us about your training hikes on our facebook page. We love to hear from you.

domain: geography


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Finish second cowl knit project – CHECK!
Love the yarn on this one. It’s another Malabrigo find. I love this yarn so much. I just placed a big order of it. It’s for my next project. Which is going to be a little more complicated than this one… but I can’t tell you what it is because it’s a gift. And I think the recipient just started following my blog. I hope I get it done in time.
What’s the biggest knitting/craft project you’ve undertaken? Did you see it through to completion?

domain: hobby


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What ‘Something’ Should Trump Make ‘Happen’ in Syria?
Thank goodness Vladimir Putin and Bashar al-Assad weren’t paying much attention to Donald Trump in September 2013.
At that time, many of my Obama administration colleagues and I were spending most of our days on Capitol Hill, struggling to persuade a jittery and skeptical Congress to authorize U.S. airstrikes against Assad’s forces in Syria in response to a horrific chemical weapons attack that left nearly 1,500 civilians dead. It was an uphill fight. Both Republicans and Democrats were asking tough questions about how the planned strikes would work and what they would lead to, worried that the U.S. would get dragged into the Syrian morass.
President Barack Obama’s determination to threaten force ignited a frenzied national debate, one that Trump was more than happy to jump into. Trump reflected and fueled a national mood wary of Middle East conflicts, tweeting, “DO NOT ATTACK SYRIA” and warning that “Obama’s war in Syria” would escalate into a “worldwide conflict” with Russia. This echoed what we were hearing from many Republicans on Capitol Hill, who were far more comfortable talking tough than sharing accountability for U.S. military actions.
Despite the doubts Trump and others expressed at the time — asserting that an attack had no upside and a tremendous downside — Putin and Assad clearly believed American bombs were coming, and to prevent that from happening they ended up agreeing to something that was unexpected and no one thought possible: a diplomatic deal to remove nearly 1,300 metric tons of Syria’s chemical weapons, then the world’s third-largest stockpile. Without a bomb being dropped, Syria had admitted to having massive chemical weapons program it had never before acknowledged, agreed to give it up, and submitted to an international coalition that removed the weapons and destroyed them at sea. This was an example of the threat of force achieving something the use of military power could not itself accomplish.


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Federica Veratelli (Art historical researcher, and temporarily associated with Université Paris-Est Créteil Val de Marne) is the second speaker in the series, Lectures of the Flemish Research Centre for the Arts in the Burgundian Netherlands.
In the archives of Rijsel, there are a great many documents to be found regarding the presence of Italians in the Habsburg court after the death of Charles the Bold in 1477. The discovery of these documents offers the possibility to sketch out profiles of Italian merchants in Bruges at the end of the 15th and beginning of the 16th Century that were unknown up until this present. This has to do with a new type of merchant, primarily coming from Florence: bankers and procurers of luxury products for the court. Often they function as patrons of Flemish works of art. Folco and Benedetto, the nephews of Tommaso Portinari, were painted by Hans Memling, and Bandini Baroncelli by an anonymous Flemish Master. Gaspare Bonciani is the patron of Gerard David. Girolamo Frescobaldi and his children collect a number of paintings in Bruges, bearing witness to a northern taste, which in turns piques the interest of Margareta of Austria. In this lecture, on the basis of a variety and, for the most part, unpublished sources, a few of these little-known figures will be given due attention.
When: 6 December 15.00
Where: Vriendenzaal Musea Brugge, Dijver 12, 8000 Bruges
Price: No charge
More info: Flemish Research Centre for the Arts in the Burgundian Netherlands
Attention: The language of delivery for this lecture is French.
(News item 27 November 2012)

domain: library


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This charger has it all with 6- and 12-Volt capabilities, 2- or 4-Amp charge rates. The BikeMaster Intelligent Charger/Maintainer is ideal for charging/maintaining conventional acid batteries, factory-activated, maintenance-free batteries, absorbed glass mat maintenance-free batteries (AGM) and gel batteries. This fully automatic battery charger detects 6- or 12-Volt, reverse polarity, overcharge and short circuit protection in addition to testing if the battery is good or needs replacing. It has easy-to-read LED lights that indicate power on, 6- or 12-Volt selection, 2-Amp or 4-Amp charge rates and the status of the battery charge.
Color-coded alligator clip leads and color-coded quick disconnect battery terminals. 6-Volt mode has a bulk charge rate of 2-Amps; 12-Volt mode has a selectable charge rate of 2-Amps and 4-Amps. A float charge of 1.5-Amps is used for absorption: a constant high current for extended periods of time can damage a battery; to rectify this issue, constant 1.5-Amps low charging current is given until the battery is fully charged (13.6-Volts). The charger monitors the battery voltage: if a 12-Volt battery voltage falls below 12.8-Volts (6-Volt battery falls below 6.2-Volts) the charger automatically restarts the charging cycle; the maintenance charging cycle is repeated indefinitely, thus, allowing the charger to stay connected worry free. Recovery mode is used to revive batteries that are not completely dead but have fallen below 8-Volts; the recovery mode charges at a constant 1.5-Amps; the recovery process automatically switches to the regular charging mode when the voltage reaches 10.5-Volts; the charger will then automatically switch from charge mode to maintenance mode when the battery is fully charged. Sleek, durable composite housing for long service life. Power on indicator: red LED light. Battery voltage indicator: 6- or 12-Volt automatic selection; solid red LED light will indicate battery voltage, if the battery is bad the light will flash. Reverse polarity indicator: red LED light will warn if the battery connections are reversed. Charge current indicator: use the MODE button to select between 2-Amps or 4-Amps. Charge indicator: red LED light indicates the battery is charging, green LED light indicates fully charged battery. Five-year manufacturer's warranty.

domain: chemistry


The U.S. ordered 62 Bastion 4x4 wheeled APCs armored personnel carriers in 2015 specifically for Cameroon, Ethiopia, Somalia, Tunisia, Mali and Uganda to use at home and in peacekeeping missions. Some of these Bastions have shown up in Mali recently used by the Mali Army. Tunisia, Somalia and Uganda have found have found the vehicles effective in combat zones. Tunisia and Somalia used theirs at home while Uganda had them accompany Ugandan troops on peacekeeping missions. Most of the Bastion’s have been delivered and all will arrive by 2017.
In effect the 12 ton Bastion is MRAP lite as it has many of the same design features of an MRAP but is not as well protected against mines and roadside bombs. It can carry up to twelve (usually 8-10) and has a turret mounted heavy machine-gun or automatic grenade launcher. Bastion does have excellent cross-country mobility and was designed mainly as a reconnaissance vehicle that can also serve as convoy escort or in peacekeeping operations. Built in France, Bastion is also used by the French military.


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I was sad to read in colleague Irene Kraft's Retail Watch column that South Whitehall's Mangos Coastal Cuisine closed Nov. 17.
The restaurant dished up an interesting mix of foods from coastal regions such as Hawaii, Mexico, the Caribbean and the Mediterranean. I liked its ambition.
I took coworkers there several years ago to celebrate winning a national award, and we had a great meal.
Where else in the Lehigh Valley would you find on the same menu: paella, carmelized pineapple tilapia, quesadillas and crunchy fried tomatillos?
And its decor had a fun island vibe that included an interior courtyard and ceiling fans.
Owner John Pena told Kraft that his family has other plans for the property, but wasn't yet ready to discuss them.


As it turns out, Katy Perry wasn't the only VMAs style déjà vu tonight. Amber Rose channeled another rose, McGowan that is, when she took a page from the actress's scantily clad book. Arriving for the red carpet in a silver chain-mail dress (if you can call it a dress!), Amber took us right back to 1998 when McGowan made the original statement on the arm of Marilyn Manson. But just because she wore it first doesn't necessarily mean she wore it better. And that's where you come in:
Vote on all our MTV VMAs polls here!


WEST DEPTFORD TWP. — Board of education members here awarded a bid to renovate the high school football field visitor bleachers at Monday night’s meeting.
Landsite Construction Company will begin the $164,750 job as soon as a schedule is put together around fall events, according to Superintendent Kevin Kitchenman.
Originally, $140,000 was budgeted for the project. The excess amount will be taken from money leftover from the tennis court makeover, said Board Secretary William H. Thompson.
The task includes building a solid concrete base and adding new metal bleachers.
The tennis court refurbishment — which includes milling the old material, replacing the asphalt and surface, and replacing the fence — began at the beginning of August. Kitchenman said it should be finished by August 24 but that could change.
“There’s still a shot at getting it there, but if not, it’ll be the following week,” he said.
Both the bleachers and the tennis court overhauls have been a concern for awhile, according to Kitchenman.
“They’ve been on the schedule for quite some time and kept getting cut out of the budget because of financial constraints,” he said. “But we were finally able to get them in this year.”
As far as other projects in the district’s future, Kitchenman said they still need to be discussed with the board.
“We have a long list of potential projects both athletically but more so with buildings,” he said.


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American Shorthair / Mixed (short coat) : : Female (spayed) : : Baby : : Small
About Molly - Kitten a
Hi there! I am Molly. My mother was a stray that a kind woman took in. Me and my siblings were born around September 12th and we are all ready to find our forever homes! I would do well sharing a home with my own siblings or other cats. (See website for my mom and siblings) I enjoys play wrestling, chase games and hide/seek. I am a very good kitten and would love to be taken care of by my own furever humane one day!
Our adoption fee is $75.00 for one and if you adopt a second it is $40.00 for the second. We will come spayed/neutered and up to date on vaccines per our age .
If interested, you can easily fill out an adoption application by clicking here: adoption application
For anyone viewing this on Petfinder, if you are interested in adopting this animal you will need to go to our website www.rosesrescue.net to fill out the online adoption application. You can usually find more pictures of the animals there too. Click on our name "Roses Rescue" in blue above to be taken directly to our website.

domain: pet


text: In cleaning up my storage area I found I have another Fox 35, 50th Anniversary edition, that I do not need. I don't seem to have the original box for it so it will be shipped in an old 40th Anniversary box with a Fox muffler. The engine has a Fox NVA in it and I found a prop nut that fits a Fox 35 that I will include also. The prop nut seems to look good on a military type model. I believe the engine may have 20 to 25 flights on it. It turns over nicely with excellent compression. $75.00 will include shipping to lower 48 states.


Myoglobin (Myoglobin, abbreviated as Myo) is a protein in muscle cells whose main function is to store and transport oxygen. Myoglobin antigen antibody is an antibody used to detect Myogrobin and can be used in immunological and biomedical research. By detecting the binding of Myoglobin antibodies to Myoglobin, the level of Myoglobin can be measured. This is useful for assessing aspects such as muscle damage and muscle disease. In addition, Myoglobin antigen antibodies can also be used for clinical diagnosis, for example, in the early diagnosis of myocardial infarction, the level of Myoglobin is elevated, so Myoglobin antigen antibodies can be used to detect Myoglobin levels in the blood.
Myoglobin antigen antibody is that it is a highly sensitive and specific detection method that can accurately measure the level of Myoglobin.
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Why Choose Bio-Mapper


Altcoins is an umbrella term for Bitcoin’s competitors. While Bitcoin stands for Bitcoin, altcoins stand for all other cryptocurrencies. One of these is Ethereum, which has been at the front of the NFT marketplace and is the central currency used for purchasing NFTs.
Bitcoin was created by Satoshi Nakamoto, a false name, in 2009. Since then, it has become the standard for cryptocurrencies that use peer-to-peer networks to keep a ledger of all transactions. The ‘Blockchain’ is a database for storing crypto-based information.
Altcoins are all cryptocurrencies that are not Bitcoin. They range from tiny coins to joke coins like Dogecoin. NFT stands for “non-fungible token,” It can technically contain anything digital, including drawings, GIFs, songs, or items in video games.
Crypto coins are not good for the environment. One coin, Bitcoin, used as much energy as the whole of Angola in 2017. As the world moves to become more sustainable, efforts will have to be made to make cryptocurrencies more sustainable. The average NFT creates over 200 kilograms of planet-warming carbon.
Source: Diario AS
Name of Author: Oliver Povey


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This three piece set includes Kurta, salwar and dupatta.
Rani embroidered kurta with mirror button and gota detailing. Rani gota embroidered salwar with gota lace finishings. Mirror work chanderi dupatta with gota and gold fringe lace finishings.
• COLOUR: Rani
• FABRIC USED: Kurta- Chanderi /Salwar- Chanderi/ Dupatta- chanderi
• CARE: Dry Clean Only
• SKU: DRZRAB007
Kurta Length – 36" Sleeve Length -18 " Salwar Length- 38 " Dupatta Length- 2.5m Dupatta Width- 38"
We will notify you on events like Low stock, Restock, Price drop or general reminder so that you don’t miss the deal

domain: design


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In fact, if we hadn’t declared ‘unconditional war on poverty in America,’ millions more Americans would be living in poverty today.
In an unabashed endorsement of government action to alleviate the plight of the poor, this week President Obama commemorated the 50th anniversary of the War on Poverty with his own call for new policies to address the continued struggles of tens of millions of Americans. In his official statement, Obama remarked that, “In the richest […]
The effort aims to offer an alternative to President Barack Obama's economic agenda and shed the baggage of Mitt Romney.
Faced with an empathy gap before the 2014 midterm elections, Republicans are trying to forge a new image as a party that helps the poor and lifts struggling workers into the middle class. GOP leaders are using the 50th anniversary of President Lyndon B. Johnson‘s War on Poverty to offer a series of policy proposals […]
What made the Kennedy legacy such a powerful and lasting American obsession?
Within an hour after President John F. Kennedy was shot on November 22, 1963, Washington became a ghost town. It was still early on a Friday afternoon but, except in hidden security centers, no one in this power-centric, workaholic town had any idea what to do. The phones overloaded and stopped working periodically. Almost all […]
who spent four decades in public service as a member of the Kennedy family, the first director of the Peace Corps and a key warrior in Lyndon Johnson‘s War on Poverty, died on Tuesday. He was 95. Shriver, who had suffered from Alzheimer’s disease in his final years, was surrounded by his five children and […]
The initial blush of President Barack Obama‘s health care triumph immediately gives way to a sober political reality — he must sell the landmark legislation to an angry and unpredictable electorate, still reeling from the recession. Voters may not buy it. And that could mean a disastrous midterm election year for Obama and his fellow […]

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Call (888) 651-9785
This was a wonderful tour. The views were absolutely breathtaking and the staff were just awesome. Highly recommend this horseback riding tour at the beautiful Mendes Ranch in Maui. I've been on horseback riding tours before, but none compare to this one.
What a totally awesome ride and the views of the shorelines are spectacular!
Steve and Rob are great!
We loved horseback riding with real cowboys who served as our guides. The ranch was relatively easy to get to and the scenery was spectacular. My husband and I rode Cowboy and Bailey. Beautiful horses with very distinct personalities.
Fun activity for all ages preteens to grandmother. Did not do the lunch, but the ride was great. Several in the group had never rode a horse, but the staff was so very helpful and the trail was safe for all involved.
This was an awesome adventure. The scenery is beautiful and the guides are great. I would highly recommend this tour. Well worth the money as the experience is MEMORABLE!
Loved the food, riding trial and the guides stories about the history of the ranch.
Caters to people of all abilities
Most fun with we had in Maui! Butch and Kimo were outstanding guides and were very friendly, helpful and attentive. Absolutely beautiful scenery and numerous photo ops. Horseback riding at Mendes Ranch should definitely be on your to do list when visiting Maui!
Gina J United States of ...
Breathtaking views! Guides were patient with first time riders. The galloping was cool. The best horseback ride in of the four islands.
Great time! We loved the horses ... The views are spectacular and our guide Butch was awesome.
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domain: travel


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Through our investment philosophy we can manage your assets effectively.
Our retirement planning process can help create a path to your retirement goals.
Our post-divorce planning can assist with your financial recovery.
Are you on track to live the retirement you always dreamed of? What goals do you have? How much do you need?
Divorce can be a confusing and stressful time. Proper planning can ensure that your kids, your things, and your future are taken care of.
We utilize a low-cost, tax-efficient investment strategy that is research-driven and customized to meet our clients’ needs.
High-net-worth families are familiar with taxes. Our goal is to maximize your after-tax wealth so you can keep more of your hard-earned dollars.
Cash Flow Planning
Where you choose to spend your assets from makes a difference. Should you spend from your IRA’s, your 401(k), or your taxable account?
Social Security Planning
Social Security can be a complicated thing, and there are many different strategies based on your family’s specific situation.

domain: economics