text:
If you are a fun loving tourist visiting the world’s most visited vacation destination, Florida, then Florida Keys is the perfect place for you. Its sandy beaches and endless hospitality attract thousands of tourists every year. A stay in the Keys would surely be a great experience, as you will be able to explore this tropical paradise in all its magnificence. And if you are an intrepid traveler who wants to discover a different side of America by boat, then Florida Keys is the perfect destination for you. You can find great bargain accommodations, amazing restaurants and fabulous sights to see along the entire Caribbean coast.
It is called the “American dreamland” because of its abundance of natural resources and beautiful landscape. Florida has lots of attractions that would surely give you the most unforgettable vacation experience of your lifetime. Its pristine sandy beaches are filled with the sweet smell of the sand, with the sight of clear blue water enticing you to come closer. Come to Florida and get mesmerized by the sight of manatees and dolphins playing together in the crystal clear water. Come to this American paradise and feel the enjoyment of unspoiled nature at its best.
Located in Florida Keys area, you will have a chance to explore and enjoy a variety of things. If you want to have a nice relaxing time at the beach, then this place is just right for you. Nature lovers can have fun scuba diving, snorkeling, kayaking, swimming, fishing and so many more. The rich marine life found in these islands makes it a very important tourist attraction.
For the cultural enthusiasts, visiting this place will be a memorable experience. There are so many museums to visit. Some of them are the Miami-Dade County Art Museum, the Miami-Dade County Museum of Natural History, the Miami-Dade County Public Library, the Miami-Dade County Historical Society and the Miami-Dade County Museum of Modern Art. These museums are full of exhibits about the Miami culture.
For those who are into the night life, there are a variety of nightclubs that are available in this area. Its beaches are also great for relaxation parties. This place is also a good place to hold your bachelor party or even your wedding. The rich culture found here can give you a sense of satisfaction like never before.
Although this place has a lot to offer, the accommodation options are also not limited to hotels and motels. There are a number of self catering cottages and beach houses available in this locality. You can also rent private boats and apartments.
To make your beach vacation even more exciting, you can try playing golf. There are a number of golf courses here. Besides this, there is also the option to have a fishing trip with your family and friends. These activities can keep you occupied during the day and provide you with much needed energy to relax at night.
Now that you know what this place has to offer, you should start planning for a visit here. Florida Keys Bungalows on the Beach is just a few steps away from this destination. All you need to do is drive up and you will be ready to enjoy all that this place has to offer. So, what are you waiting for? Just get those driving boots on and make your dream vacation come true.
You can start by taking a tour of this place. You will not only find it very interesting and beautiful; but you will also understand what the entire place is about. There are several things to do in Florida Keys. One thing that you should do is go scuba diving or snorkeling. Another thing you can do is take a deep sea fishing excursion and spend some time in the ocean. This will help you to learn about the marine life of the place.
You can also visit the Miami Metro Zoo. If you love animals then this is the right place for you. In fact, there are several animals in this zoo that are of rare kinds. In fact, there are also several exhibits and a lot of educational activities to keep the kids entertained.
You can also visit the Miami Seaquarium. This is a great attraction in itself. In fact, the sight of the rare species of fishes and other creatures that live in the sea waters are very fascinating. If you love to fish then you will be fascinated by this place.

domain: geography


text:
i found this beauty at the
and wanted to share it.
it has a background but i wanted to use it without it.
it also cuts perfectly with the cricut explore.
i love intricate cuts.
(there are a few intricate cards i can't wait to try them)
-don't forget you can click on pics for a bigger view-
-i will be using it in my dining room for easter brunch-
change the colors and use it for summer, fall, winter...and or any other occasion.
Have a Blessed Easter,
and thank you for taking a peek!

domain: design


text:
Can a woman who never learned to stand up for herself find the courage to speak up for her son?
Karen is a happily married, slightly frazzled working mother of two when her eight-year-old son, Matthew, develops a strange eye-rolling tic.
Over the next three years, Matthew's tics multiply. He becomes clumsy and lethargic, a gifted program dropout. Karen repeatedly tries to get her husband and the pediatrician to open their eyes, but she is too full of self-doubt, too compulsively agreeable to tear off their blinders.
Exhausted and full of despair, Karen crumples to the bathroom floor one night, wondering if she has the will to carry on. But she must persevere. Who else will fight for her son?
Matthew finally receives a horrifying diagnosis. He is expected to "bounce back," however, convincing Karen that the battle is over. But the pain drags on, and she discovers just how weak-and then exactly how strong-she is.
Ultimately, decades after their saga began, it is Matthew who teaches Karen the true meaning of growth.
An intimate look into the life of a people-pleaser and an exploration of the challenges of motherhood, Growth poses the question: What happens when the most important job in the world demands more than you have to give?
Related collections and offers
|Publisher:||Loyola College DBA Apprentice House|
|Product dimensions:||6.00(w) x 9.00(h) x 0.69(d)|

domain: library


text:
In the day-to-day operations of being a restaurant manager, I often find myself worrying about the business while awash in “busy-ness.” When I am afforded a moment of clarity in the midst of organized chaos, I sometimes find myself desiring a reprieve. It is in those moments that I desire comfort and simplicity, especially with my food. I have a few go-to dishes in my back pocket that I pull out for just such an occasion.
My newest favorite comfort dish is a lovely chicken enchilada dip. Braising the chicken breast imparts terrific savory notes of chili, onion, and herbs. With all the flavor and spice of a good Mexican entrée, aside the rich, creamy texture of cream cheese, this appetizer is sure to please.
• 1 large yellow onion, diced
• 3 cloves minced garlic
• 2 tbsp butter
• 1 tbsp vegetable oil
• 6-8 green onions, sliced thin
• 12 oz Mexican beer
• Chili powder
• Cayenne pepper
• Garlic powder
• 1 lb. boneless, skinless chicken breasts
• 1 (10 oz) can diced tomatoes with green chiles
• 1 small bunch cilantro, rough chopped
• 2x 8oz packages cream cheese
Begin by sauteeing the first four ingredients on medium heat until the onion just becomes tender, about 4-5 min. While the onion is cooking, pat the chicken dry and season generously with 2 parts chili powder, 1 part cumin, 1 part paprika, and 1 part oregano. Add a pinch of salt and rub the spices into the chicken with a bit of oil. Once the onion is tender, brown the chicken on both sides (roughly 1 min. per side) and set aside. Carefully add all 12 oz of beer while whisking any brown bits from the bottom of the pan.
Place the chicken back in the braising liquid and add enough water to completely cover. Bring to a boil and reduce to a simmer, cooking the chicken until it’s completely done (approx. 20 min). Remove the chicken and pull apart with 2 forks, shredding completely. Allow the liquid to reduce for five more minutes, and then remove the onions with a slotted spoon.
In a large mixing bowl, combine the cream cheese, green onions, cilantro, 1 tsp garlic powder, 1 tsp cumin, 1 tbsp chili powder, and 1 tbsp paprika. When fully mixed, add braised onions and shredded chicken. Adding enough cayenne pepper to suit your level of spiciness is the final touch. Chill for one hour before serving.

domain: food


text:
Summer 2022 Auditions
You're A Good Man, Charlie Brown
ABOUT THE SHOW
With charm, wit, and heart, You're A Good Man, Charlie Brown explores life through the eyes of Charlie Brown and his friends in the Peanuts gang. This revue of songs and vignettes, based on the beloved Charles Schulz comic strip, is the ideal first show for those who would like to do a musical. Musical numbers include "My Blanket and Me," "The Kite," "The Baseball Game," "Little Known Facts," "Suppertime," and "Happiness." Guaranteed to please audiences of all ages!
You're A Good Man, Charlie Brown opened in New York City on March 7, 1967 and was revived on Broadway in 1971. The 1999 revival, You're A Good Man, Charlie Brown (Revised), featured Tony Award-winning performances by Roger Bart as Snoopy and Kristin Chenoweth as Sally.
Not an actor? We are looking for volunteer CREW for "You're A Good Man, Charlie Brown", specifically: assistant stage manager, lighting tech (high school or older), and backstage crew. We could also use help with costumes, sets, and props! Please email email@example.com to volunteer!
RRCP Summer Sing-Along
at the Yarmouth Clam Festival
ABOUT THE SHOW
The Summer Sing-Along is a group vocal performance at the Yarmouth Clam Festival. Our singers lead the audience in singing favorite songs from stage and screen. Past years have seen selections from shows and movies such as: Oklahoma, Beauty & the Beast, Grease, Hamilton, Moana, The Greatest Showman and Beautiful: The Carol King Musical. Auditions are open to singers of all ages and abilities. Most songs will be group numbers, but some solos will be available.
PLEASE FILL OUT YOUR AUDITION FORM HERE
DATE: Monday, May 23rd from 5-8pm (please sign up for a 10-minute audition slot using the link above)
LOCATION: The Playhouse (305 US Route 1, Yarmouth)
Mondays June 6th - July 11th (no rehearsal July 4th) from 6-9pm (children 6-8pm)
Dress rehearsal may be added if needed.
July 16th at 4:00pm
WHAT TO PREPARE FOR AUDITIONS
Please prepare one of the following songs: "Somewhere Over The Rainbow" (from Wizard of Oz), "Do Re Mi" (from The Sound of Music) or "Take Me Out to the Ballgame" (from Damn Yankees). Accompaniment tracks and lyrics are provided below, if needed (you may also use an accompaniment/karaoke track of your own choosing).
If you'd prefer to prepare a song of your own choosing, please keep it to 2.5 minutes or under in length and make sure your accompaniment/karaoke track is downloaded onto a mobile device as WiFi can be spotty inside The Playhouse.
No A Capella selections, please.
AUDITION ACCOMPANIMENT PIANO TRACKS
COVID-19 INFO: To ensure the health and safety of all participants,
RRCP requires all those auditioning to be fully vaccinated for Covid-19.
Thank you for your interest in auditioning for Royal River Community Players. We can't wait for you to show us your stuff!
AUDITION QUESTIONS? Please email RRCP at firstname.lastname@example.org
YOU'RE A GOOD MAN, CHARLIE BROWN is based on The Comic Strip Peanuts by Charles M. Schulz. Book, Music and Lyrics by Clark Gesner. Additional Dialogue by Michael Mayer. Additional Music and Lyrics by Andrew Lippa. Original Direction for this version of You're A Good Man, Charlie Brown by Michael Mayer / Originally Produced in New York by Arthur Whitelaw and Gene Persson. YOU'RE A GOOD MAN, CHARLIE BROWN is presented by arrangement with Concord Theatricals on behalf of Tams-WitmarkLLC. www.concordtheatricals.com

domain: artistic


Geoff Cross is the Vice-President of Planning and Policy at TransLink in Metro Vancouver. TransLink is unique among North American transit agencies in that it has a broad mandate for managing the movement of people and goods across the regional network. This remit encompasses the planning, funding, and operating of transit as well as major roads, bridges, and cycling at the regional level. TransLink in collaboration with municipal partners have been at the forefront of transport policy and planning since TransLink’s creation in 1998. Since that time, Metro Vancouver has been a transportation outlier in North America, with wide-spread transit oriented development and unmatched ridership growth, when most regions are experiencing flat or declining demand. Geoff’s team has been responsible for developing the Region’s Long-term Strategy and the 2014 Mayors’ Vision which is the blue print for investment and management of the system. With $9 Billion of multimodal expansion green-lighted in the last two years, Metro Vancouver is in the midst of unparalleled multimodal investments to meet the shifting needs of a rapidly growing region. Geoff’s Division also leads other policy initiatives such as the Regional Goods Movement Strategy, Mobility and Fare Pricing and New Mobility Services. Geoff has a BA in Economics and an MA in Planning.


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Attain a creative look by stepping out wearing this dark grey coloured T-shirt with a pair of rugged denims and slip-ons. From Planet Superheroes, this graphic print T-shirt will help you restore your childhood memories. Made from 100% cotton, it features regular fit with round neck and half sleeves to keep you at ease all day long.
- Fabric100% Cotton
- LengthHip Length
- SleevesShort Sleeves
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- Wash CareWash care: Wash in Cold Water, Use Mild Detergent, Dry in Shade, Do Not Iron Directly Or Scrub on Print, Do Not Bleach, Do Not Tumble Dry.
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ANDREW BONE: Tide's Smart, Georgia's Bobo offer insight at banquet
Published: Tuesday, June 30, 2009 at 3:30 a.m.
Last Modified: Monday, June 29, 2009 at 11:02 p.m.
Scout.com and GAVSV.com (Georgia Varsity Sports Vent) held a banquet in Rome, Ga., Friday night with University of Alabama defensive coordinator Kirby Smart and Georgia offensive coordinator Mike Bobo as the keynote speakers.
Several recruits from the Peach State attended, as well as a couple of players from Cherokee County High School in Centre.
The night was entertaining and full of surprises. The college coaches spoke and departed before any topics of recruiting were discussed with the Scout.com recruiting analysts and high school players.
GAVSV.com's Rusty Mansell was responsible for putting on the banquet. His selection of coaches from Alabama and Georgia helped make the event informative and fun for all.
'The coaches are up and coming,' Mansell said of Smart and Bobo. 'I knew when we did this event we wanted some good speakers. Coach Bobo grew up in this area. He was going to be a big draw.
'Coach Smart is an ex-Georgia player and recruits this area. I knew they would be great, and they were.'
Smart started the night off with a good joke on crowd of mostly Georgia supporters.
'I wore my black shirt tonight in honor of the Georgia fans,' Smart said. 'When Alabama and Georgia play, Georgia fans call it ‘The Blackout', so I wore my black shirt tonight. I am sure Coach Bobo appreciates that.'
Smart also spoke about trying to replace the senior leadership from Alabama's 2009 team.
'Going into this season, it's a little nerve-racking knowing that you are not going to have the John Parker Wilsons or Andre Smiths or Rashad Johnsons,' he said. 'They were all really good players for us, but most importantly leaders.'
Smart bragged about likely starting quarterback Greg McElroy, as well as wide receiver Julio Jones.
'Greg McElory did a great job in the spring,' the coach said. 'In our 2-minute drill he scored every time against our defense, and we are supposed to have a pretty good defense. Greg did a great job against those guys.
'We have Julio Jones coming back. I'll say this about Julio Jones: He is one of the toughest, most competitive wide receivers I have ever been around. He challenges us. He beats up on us and makes us better. He stays after practice. He is the first one on the field. He is a great kid, and we are honored to have him.
'We hope to keep him for three more years, but I don't know if that will happen.'
Smart also spoke about Alabama's defense.
'We have more depth on defense than we had last year,' he said. 'We have a lot of freshmen we signed two years ago that are going to give us a chance to compete and play more guys.
'We are looking forward to a great season this year. We have not set any expectations for our players. We had a good offseason so far. We hope we can finish off and have a great season..'
Smart also mentioned the possibility of a game in Dallas in three years in the new Cowboys' stadium against a Big 12 opponent.
The former University of Georgia All-SEC defender also fielded questions from the crowd, particularly about playing against his alma mater.
'It has no effect,' he said. 'Every game is the same in the SEC. Every game is a war. You don't get caught up in the emotions or feelings. You go in with the focus to win that game.'
Georgia's Bobo talked of the Bulldogs falling below expectations for the 2008 season, and about recruiting.
'It was a tough year for us,' he said. 'We had high expectations. We were ranked No. 1. As a coach, you want players to focus on what they can improve on every day. We fell short of our expectations to play in the SEC championship.
'We are always going to have great players because we recruit this state. We are going to recruit Alabama, Florida, North Carolina and South Carolina, but we are going to recruit the majority in Georgia. Alabama, Florida, Auburn, LSU are always going to have great players.'
Alabama has four commitments from the state of Georgia: teammates JaWuan James, Scout.com four-star offensive tackle, and Austin Shepherd, three-star offensive guard from North Gwinnett High School in Suwanee; Scout.com four-star quarterback Blake Sims from Gainesville High School; and Ronald Carswell, three-star wide receiver fron Westside High School in Macon.
The University of Georgia's commitments all hail from the state of Georgia (five) or Florida (six).
Scott Kennedy, Scout.com National Recruiting Director, flew in from Los Angeles to attend the event. He explained to the crowd how the analysts rank players and the evaluation process.
Mack Brown, Scout.com National 100 running back from King High School in Lithonia, Ga., said Friday night his college choices are down to Georgia and Florida. Alabama had been listed among his top three.
Teammates Desmond Brown, Scout.com three-star safety, and Coty Blanchard, Scout.com three-star quarterback from Cherokee County High School in Centre, talked of their recruiting status.
Brown has Mississippi State and Tennessee as favorites. Blanchard is entertaining the idea of baseball on the next level, but will remain focused on his senior season at this point.
The big surprise of the evening took place when Chad Simmons, Scout.com South Regional Manager, interviewed Alec Ogletree. The Scout.com five-star safety, from Newnan (Ga.) High School, announced his college decison in front of the audience and committed to Georgia.
Maybe Smart heard of Ogletree's commitment to Georgia following his departure from the banquet. Alabama landed a commitment around midnight Friday night from Jarrick Williams, Scout.com four-star safety from Blount High School in Eight Mile.
The 6-foot-2, 205-pound prospect committed to Alabama over offers from schools including Auburn, Florida, Florida State and LSU. His head coach is former Tide player Kelvin Sigler.
'Bama has been the only place that I have been going to that made me feel like home,' said Williams. 'The people they have up there are real cool. They have real good people, and they show you love.'
Williams played in nine games as a junior, making 94 tackles with one tackle for loss, two forced fumbles, eight pass breakups, two interceptions and a blocked field-goal attempt. He added nine passes for 206 yards and four touchdowns. He had approximately 200 yards receiving and four touchdowns on the offensive side of the ball.
Visit TideSports.com for Andrew Bone's recruiting coverage. Join each Wednesday online for recruiting chat sessions from 1-2 p.m. Reach Andrew Bone at email@example.com.
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While there are many obstacles that make it difficult for parents to raise healthy, happy teens, the fact that their child might experiment with drugs can make parenting particularly challenging. Oftentimes, parents are taught that building a friendship with their teens is a good strategy for drug abuse prevention. But how effective can this process really be in keeping teens away from harmful substances? Read the brief guide below to learn more about drug abuse prevention by building a meaningful relationship with your teenager.
Friendship-Defining The Term
In general, “friendship” is basically a mutually positive, meaningful relationship between two individuals. Friendships are marked by mutual respect and understanding as well as long-standing and a continually evolving bond. In terms of parents building a friendship with their teens, the development could involve anything from having conversations over the dinner table or taking one’s teenage child out to see a movie or other outing each week. The process of building a friendship with your child can be rewarding but unquestionably challenging. The reality of being a parent with a large age-gap can make it difficult for you to relate to your teen in a peer-like fashion.
Can Building A Friendship With Your Teen Prevent Them From Using Drugs?
Now that you have a basic understanding of what the development of a friendship with your teen would mean and involve, you can continue to delve further by learning more about how friendship development could curtail your teen’s susceptibility to drug use and encourage drug abuse prevention.
Here are three ways that cultivating a friendship with your child can be promote drug abuse prevention.
1. It Can Build A Relationship.
One of the reasons that teens opt to use drugs is because they feel alienated from people in their external environment. When this sense of estrangement becomes primary in a teen’s life, she or he will often turn to drugs to fill a void. However, when you take the time to cultivate a meaningful relationship with your teen, she or he will be less likely to experience weighty, sustained feelings of alienation from others.
2. It Can Facilitate Knowledge About Drugs.
Yet another benefit of developing a mutually fulfilling relationship with your teen is the fact that authentic friendships involve continual communication. Open communication can make it easier to facilitate trusting conversations about drug abuse prevention, discussing important matters like the dangers of drug use on the brain, body and other natural repercussions. Once you educate and empower your teen with knowledge about the mental and physical damage that can transpire if they opt to use illicit drugs, they will oftentimes avoid the experimentation entirely.
3. It Can Generate Self-esteem.
Often, teenagers feel good with the use of drugs because no one else makes them feel good about themselves. Low self-esteem is a contributing factor to teen drug use. Building a relationship and spending quality time with your child is a good strategy for drug abuse prevention and helps generate self-esteem. Your quality relationship shows your teen that she or he is worthy of attention. Once this development is established, your child will be less likely to turn anywhere else for comfort or validation as a result of low self-esteem or the need to prove his or her value to peers.
The Limits of Building A Friendship With Your Teen
As made plain by the brief outline found above, building a friendship with your teen can play a significant role in decreasing the likelihood that she or he will use drugs. However, there are limitations to this strategy. In short, parents have the right and authority to be the positive influence your teen needs; however, your child has the autonomy to make both negative and positive decisions, meaning that your attempt to operate as a positive force in his or her life can only do so much. For instance, if your teenager suffers from low self-esteem despite the fact that you give him or her extensive attention, the likelihood that the teen will turn to drugs as a source of comfort or relief is somewhat higher, but does not predict the choices your child will make. While it is definitely a good idea for you to develop a friendship with your child, it’s also important to understand that, ultimately, your children will be the decision makers-whether those decisions involve drugs or otherwise.
Get Help for Your Teen Now
If you believe that your teenager is currently experimenting with or addicted to drugs, call a medical professional immediately to help your child on the path to permanent recovery.

domain: sociology


text:
Subject Source: Art & Architecture ThesaurusScope Note: Publications that document the works displayed in an exhibition.
Found in 1 Collection or Record:
John McHale archive
Call Number: MSS 60
Overview: The collection comprises collage books, collages, drawings, palettes, and posters by John McHale, with related printed material, including catalogs, periodicals, ephemera, and small posters.
Dates: ca. 1950-1978.


Food coverage is supported by a generous donation from Susan and Moses Libitzky.
Chef Michael Siegel, who used to own Shorty Goldstein’s in downtown San Francisco, and most recently brought a few favorites from that menu to the very short-lived diner in Sonoma called Mint & Liberty, will now bring a few Jewish favorites to his new gig as executive chef at Floodwater in Mill Valley.
Eater has reported that the new spot, which is part of the Real Restaurants group, will have a gastropub-style menu, with matzah ball soup and a Reuben with corned beef made from the Shorty’s recipe. Shorty Goldstein’s, a Jewish deli that operated during working hours in the Financial District, shut down in 2017 after a four-year run.
The projected opening date for Floodwater is Nov. 29 at 152 Shoreline Highway in Mill Valley.
Sababa, the fast-casual falafel joint with housemade pita started by Israeli American chef Guy Eshel, has just opened its third San Francisco location at 71 Stevenson St., according to the eatery’s Instagram feed. A lunch spot only, like its predecessors, the new location is open 11 a.m. to 3 p.m. weekdays.


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Cocherell History, Family Crest & Coats of Arms
The ancestors of the Cocherell family brought their name to England in the wave of migration after the Norman Conquest of 1066. They lived in Gloucestershire. The family was originally from Cocquerel, near Evreux, Normandy, and it is from that location that their name derives.
Early Origins of the Cocherell family
The surname Cocherell was first found in Gloucestershire where Illyas de Kokerel held fiefs in 1165 from Bohun and Neumarché.  The Hundredorum Rolls of 1273 list the following: Geoffrey Cokerell in Norfolk; John Cokerel in Yorkshire; and Reginald Kokerel in Cambridgeshire.  "In 1324 Sir William Cockerell was returned from Essex to attend a great council at Westminster."  The Yorkshire Poll Tax Rolls of 1379 list the following: Matilda Cokrell; Elias Cokrell and Alicia Cokerell.
Early History of the Cocherell family
This web page shows only a small excerpt of our Cocherell research. Another 96 words (7 lines of text) covering the years 1305, 1861, 1754, 1827, 1809, 1788, 1863, 1788, 1802, 1833, 1878, 1833, 1759, 1832, 1759, 1794, 1790, 1840, 1790, 1807, 1574 and 1575 are included under the topic Early Cocherell History in all our PDF Extended History products and printed products wherever possible.
Cocherell Spelling Variations
A multitude of spelling variations characterize Norman surnames. Many variations occurred because Old and Middle English lacked any definite spelling rules. The introduction of Norman French to England also had a pronounced effect, as did the court languages of Latin and French. Therefore, one person was often referred to by several different spellings in a single lifetime. The various spellings include Cockerell, Cockerill, Cockrill, Cockrell and others.
Early Notables of the Cocherell family (pre 1700)
Outstanding amongst the family at this time was Samuel Pepys Cockerell (1754-1827), English architect, son of John Cockerell of Bishop's Hall, Somersetshire. He was brother of Sir Charles Cockerell, M.P., of Sezincote, Gloucestershire, who was created a Baronet in 1809. His mother was daughter of John Jackson, the nephew and heir of Samuel Pepys, and through her Cockerell became the representative, and inherited many interesting relics, of the great diarist. One of his sons was Charles Robert Cockerell [q. v.], a far more distinguished architect than his father.
Charles Robert Cockerell (1788-1863), the English architect was the son of Samuel Pepys...
Another 246 words (18 lines of text) are included under the topic Early Cocherell Notables in all our PDF Extended History products and printed products wherever possible.
Migration of the Cocherell family to Ireland
Some of the Cocherell family moved to Ireland, but this topic is not covered in this excerpt. More information about their life in Ireland is included in all our PDF Extended History products and printed products wherever possible.
Migration of the Cocherell family
Many English families left England, to avoid the chaos of their homeland and migrated to the many British colonies abroad. Although the conditions on the ships were extremely cramped, and some travelers arrived diseased, starving, and destitute, once in the colonies, many of the families prospered and made valuable contributions to the cultures of what would become the United States and Canada. Research into the origins of individual families in North America has revealed records of the immigration of a number of people bearing the name Cocherell or a variant listed above: William Cockerell who settled in Barbados in 1639; followed by Nicholas who also settled in Barbados in 1678; Thomas Cockerill settled in Philadelphia, Pennsylvania in 1845..
- The Norman People and Their Existing Descendants in the British Dominions and the United States Of America. Baltimore: Genealogical Publishing, 1975. Print. (ISBN 0-8063-0636-X)
- Bardsley, C.W, A Dictionary of English and Welsh Surnames: With Special American Instances. Wiltshire: Heraldry Today, 1901. Print. (ISBN 0-900455-44-6)
- Smith, George (ed), Dictionary of National Biography. London: Smith, Elder & Co., 1885-1900. Print


Forespar Marelon Ball Valve
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Marelon® Pro Series Valve Inline Female Threaded Base with Female Threaded is designed to meet the needs of builders and owners who require the benefits of the Marelon® integrated plumbing system, with BSP style threads. This valve works excellently with ANP Thru-Hulls.
Marelon® is the modern material for marine plumbing systems. Its non-corrosive proprietary formulation of polymer composite compounds uses resins and additives to produce an extremely strong marine-grade product that will not deteriorate like traditional bronze marine plumbing parts.
- Threaded Port & Hose Barb Combinations
- Custom Flow Port Configurations Allow You To Fit Valves Into Tight Spaces
- Standard with Buttress Thread Thru-hulls
- NPSM or BSP Threaded Bases are available 3/4″ to 2″ for use with existing thru-hulls
- U.L. Approved & ISO 9093-2 Certified
- A.B.Y.C. Compliant
General Note: Forespar threaded plumbing fittings (like most true marine plumbing fittings) use NPSM Threads – National Standard Free-Fitting Straight Mechanical Pipe Thread. NPT – National Pipe Threads are tapered, and NPSM Threads are parallel. The two types are not designed to work together.


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There is one fundamental change related to the cancellation of the acquisition tax. The time limit for exemption from income tax on the sale of real estate has changed. Now this period is established at 5 years and from next year it is extended to 10 years. The change only applies to real estate acquired in 2021 and onwards. If you already own a property, you still have the time limit of 5 years. If you want to obrain a property, whether by buying it or having the opportunity to get it without financial consideration, for example as a gift, if you manage to carry it out by the end of this year, you´ll become a member of the privileged group of owners with the 5-year time limit. Therefore it makes sense to get going now. The decisive day will be the submission of a motion for the registration of the ownership right to which the legal effects of the acquisition of real estate are attached. There is no need for the cadastre to register you as the owner this year. All you have to do is to arrive at the cadastre between Christmas and New Year with your contract.
Why is this exemption period important? Because, as the only one of all other options for exemption, it´s not associated with other additional conditions (more about the exemption options in this article), you only need to own the property for a certain time. I´ll add that the Czech Republic is very tax-favourable in this respect, in other countries it is common to impose high taxes on the income from the sale of real estate. We´ll now show how this income tax works on a practical example of the sale of land near Prague:
Mr. Novák bought a plot of land near Prague three years ago for the construction of a house. The area of the plot of land is 1,000 m2 and he paid 2,500,000 CZK for it. During the ownership period, Mr. Novák made an electricity supply connector for 50,000 CZK, a water supply connector for 25,000 CZK and fenced off the land for 25,000 CZK.
He decided to sell the land this year, he needs money for his business as it isn´t doing well, unlike in the past. He commissioned a broker to sell the land. They agreed on a fee of 3% + VAT from the sale price and set the sale price at CZK 4,500,000. They found a buyer for the quoted price in 2 months.
None of the exemption conditions apply to this sale (more about the possibilities of exemption in this article), therefore Mr. Novák will have to pay tax. It´s calculated as follows:
The selling price of the property minus the cost of acquisition minus the cost of appreciation minus the cost of the transfer. The remaining amount corresponding to the profit is taxed at 15%.
In our case it is as follows:
Now the calculation itself:
4,500,000 – 2,500,000 – 100,000 – 50,000 – 25,000 – 25,000 – 163,350 = profit 1,636,650 CZK
Mr. Novák will tax this profit by 15%, that is he´ll pay tax to the state amounting to 245,500 CZK on the sale of the land.
With real estate prices rising in the long-term (more on the topic of prices in this article), the tax can be rather uncomfortably high in cases that aren´t tax exempt.

domain: law


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TUCSON, Ariz. -- The Bellevue University softball team split a pair of games Friday at the Tucson Invitational Games, falling to Dordt, 6-2, before rebounding with an 8-4 victory over Robert Morris (Ill.) in the nightcap.
The Bruins moved to 15-9 on the season after the split.
Bellevue will continue action at the tournament on Saturday with an 11 a.m. contest against Ottawa (Ariz.) and a 1 p.m. matchup with Gustavus Adolphus.
Dordt 6, Bellevue 2
Dordt took advantage of two BU fielding errors and used a three-run fifth inning to pull away for the 6-2 win in BU's opening game of the day. Kaitlyn Kinman recorded a pair of hits and Alex Tooley and Maddie Siedlik drove in runs for the Bruins.
Dordt took a 2-0 lead in the bottom of the first following an RBI triple by Rachel Evavold and a Bruin fielding error by shortstop Emily Gigax that allowed Evavold to score from third.
The Bruins got a run back in the top of the second when Kinman scored off an RBI infield single by Tooley, slicing the DC lead to 2-1.
Despite three strikeouts in the second inning by BU starter Lexi LeCalsey, the Defenders added a run following a fielding error by third basemen Kinman, to increase the margin to 3-1.
An RBI double to left field by Siedlik drove in Gigax in the top of the fourth, cutting the deficit to 3-2.
The Defenders extended the lead to 6-2 in the bottom of the fifth on an RBI single to right field by Evavold and a two-run double to left field by Corrinne May.
LeCalsey fell to 8-5 on the season, allowing five hits with two walks, three hit batsmen, and seven strikeouts in 4.1 innings of work.
Evavold improved to 4-0 overall, scattering seven hits with no walks and two strikeouts in seven-complete innings in the circle.
Bellevue 8, Robert Morris 4
The Bruins scored four runs in both the fifth and six innings en route to the 8-4 come-from-behind victory over Robert Morris in the nightcap. Eight different Bruins recorded a hit in the victory.
The Eagles grabbed a 2-0 lead in the bottom of the third on a two-run single by Rylie Jay and increased the margin to 3-0 in the fourth frame following a two-out RBI double to right field by Alexis Minet.
After collecting just one hit in the first four innings, the Bruins erupted for four runs on five hits in the top of the fifth. BU scored on RBI doubles by Siedlik and Maricela Egan, a run-scoring triple by Grace Glotfelty, and an RBI single by Kinman to gain a 4-3 advantage.
RMU got one run back in the bottom of the sixth on an RBI single by Montana Martinez that scored Jay, who led off the inning with a triple to center field.
Sharpe earned the win, improving to 7-1 on the season, allowing seven hits with one walk and two strikeouts in 5.1 innings of work. LeCalsey, who entered the game in the bottom of the sixth, picked up her first save of the season, striking out two while not allowing a hit in the final 1.2 innings of the contest.

domain: news


When a process is modeled in IT systems, it is normally designed with a large set of assumptions about the real world. The assumptions are just that – assumptions and sometimes wrong or incomplete. This leads to processes which do not “support” the full complexity of the real world. As a consequence, operational personal can spend a significant effort on “troubleshooting” the IT systems which are impacted by the process.
For instance – an order fulfillment process does not support the order to be cancelled after a certain point in the process, where in reality a customer can still exceptionally cancel his order through contacting the support staff and escalation. The IT system process will run to completion – requiring cleanup of the cancellation afterwards.
I call this the “Process Reality Disconnection”. It can make an organization incur significant running costs. It is worth specifying and implementing compensating / exceptional processes in IT systems with well defined pre and post conditions of each process outcome, because real world processes are always more complicated than initially assumed.


Meriter Campus Master Plan I Madison, Wisconsin
Meriter Hospital has been providing healthcare to the community on it Park Street campus in downtown Madison since 1903. Meriter is the fifth largest hospital in Wisconsin and employs over 3,400 staff.
The Meriter Park Street Campus Master Plan is the most comprehensive planning project the hospital has ever undertaken. Although only designed to be a 10 year document, the plan creates a flexible framework that will provide a clear map to maintain the Park Campus as Meriter’s flagship diagnostic and treatment center.
The plan for the campus creates a sense of place that reinforces the campus boundaries and encourages a more cohesive campus environment. Safety measures, streetscape elements, new landscape elements and ground level building activity including retail are designed to improve the urban pedestrian experience. Sustainable measures will include the replacement of the campus power plant as well as energy efficient construction and attention to storm water reduction measures. Additional medical office space will be planned for the surrounding sites as well as structured parking to handle the increase in patients, visitors and staff. Buffer zones are planned at the neighborhood boundaries with residential and mixed uses to allow the increased of density on the hospital sites. A traffic management plan is included in the study to reduce the amount of single car trips to the site. Potter Lawson worked with Meriter to facilitate neighborhood meetings and presentations and gain city approval. The final document will simplify future approvals with the city and neighborhood and guide the hospitals expansion over the next 30 years.


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Search Tags: childhood asthma
Children given steroids to treat asthma can have a life-long side effects, a new study finds.
Monday - 09/03/2012, 12:33pm EDT
, March 15, 2014
Now: 68 °FToday: Breezy with clouds breaking for some sun
Hi: 62 °F | Lo: 35 °F

domain: medical


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Go strawberry picking to eat as many fully, ripe strawberries as you can. A popular activity during the winter and spring is strawberry picking, which allows you to pick and eat strawberries on your own. There are several strawberry farms in Takamatsu. From January to early June, these farms bustle with many people trying to enjoy the spring delicacy ahead of others.
Skyfarm strawberry picking
Address : 656-1 Iidacho, City, Kagawa [Google Maps]
TEL : +81-(0)80-8635-0556
Opening hours: weekdays from 10:00 to 15:00 / weekends and public holidays from 10:00 to 16:00
Closed : Mon
Click here to make a booking
I entered the greenhouse and found myself surrounded by the sweet and sour aroma of strawberries. And it was warm! I was told that the temperature in the greenhouse was kept at around 24 degrees centigrade, which is appropriate for growing strawberries. Not having to worry about coldness or the weather is another advantage of strawberry picking.
Some of the spaces between rows are wide enough for wheelchair users and people with baby carriages to enjoy picking strawberries.
The strawberry beds are elevated, so you can pick the fruits easily while standing. They say that this method of growing strawberries makes them less likely to catch a disease or insect infestation, because they do not touch the ground.
They grow two types of strawberries. Either is available for picking, depending on the growth status.
At first taste, it was luscious and juicy! The sweet taste spread throughout my mouth. The farm staff said that these strawberries are easy for children to eat and popular among them.
I bit into one and felt a firm texture! With an impressive sweet and sour taste, these strawberries will be enjoyed by men and women of all ages.
When I was wondering which strawberry to pick, Mr. Hiroyuki Kawanishi, the representative of the farm, told me the key points about delicious strawberries.
“Only visitors to the farm can enjoy the fully ripe strawberries that are entirely red. The ones available in the market are shipped while some parts are still white, so that their color will change by the time they are displayed on the sales floor.”
I see! I should eat fully ripe strawberries because I am a visitor, who deserves them.
“Small strawberries have condensed sweetness, while large ones are filling. Please look for the strawberries that seem attractive to you.”
From among clusters of strawberries, extending all the way inside, you can pick and eat as many as you’d like. It is very exciting, just like a treasure hunt.
いちご狩り < スカイファームについて | 香川県高松市のいちご屋 スカイファーム
料金：中学生以上 1,600円、小学生 1,200円、3歳～就学前 800円 ※3歳未満は無料
Strawberry Picking Reservation
Term : 3rd Jun – Middle of May
Closed : Monday
Time : 10:00-15:30
Fee : Junior high school students or older 1,600yen / primary school child 1,200yen / 3 years old
– preschool 800yen / less than 3 years old Free

domain: agronomy


text:
I have not the pleasure of understanding you
-Jane Austen in Pride and Prejudice
Don’t you ever feel like that line doesn’t just refer to a sentence someone spoke, but to their whole, entire being? Don’t you ever completely and utterly DO NOT UNDERSTAND someone? As in, how can your mind possibly work in that way? How do you not live life MY way. But then, of course, someone thinks that same way about you and I suppose that is what makes life so incredibly FRUSTRATING but always so very unique.

domain: psychology


text:
in this issue
Markets :: Plastics :: Synthetic rubber
Dow Shuts Co-PBR Assets in France; Sells Houston Plant
11:49 AM MDT | March 10, 2008 | Nancy Seewald
Dow Chemical says it will shut down its cobalt-polybutadiene rubber (Co-PBR) assets at Berre L’Etang, France. The facility is located within Shell Chemicals’ complex, and is operated by Shell Petrochimie Mediterranee. “We decided to redirect our technical resources and investments to businesses where Dow can achieve an advantaged cost position and increase our share of differentiated products,” says Craig Arnold, global business director for Dow Europe’s synthetic rubber business. Dow had not disclosed any job cuts or a time frame...
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domain: economics


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domain: entertainment


text:
Even before the onset of the COVID-19 pandemic, children’s screen use was a point of concern for many caregivers and professionals alike. Children have watched T.V for decades now, and with the introduction of computers and laptops, followed by smartphones, tablets, and e-readers, children are being introduced to screens at younger and younger ages and relying on screens in their daily lives more and more. Parents and professionals have been asking questions for years about how much time children should spend on screens. In addition, they have been concerned about the content and its influence on children, amongst other concerns.Continue reading Children and Screens During COVID-19
It has been over a year now since the beginning of the COVID-19 pandemic. While the world continues to adapt to the changes brought on by COVID-19, it is important to acknowledge the ways in which children have been affected specifically.Continue reading The COVID-19 Pandemic: What Has Been Difficult for Children and How They Are Adapting to Change
The COVID-19 pandemic has affected the ways in which children around the world are learning, playing, and interacting.
Understandably, parents have felt worried and uncertain about their children’s physical safety, social isolation, and academic progress in school.
Aside from physical and academic needs, children have basic psychological needs that are essential to their well-being.
When these needs are met, children can continue to grow and thrive, even during times of change and disruption.Continue reading Children’s 3 Basic Psychological Needs and the COVID-19 Pandemic


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Editor's note: “Resources to follow Him” curates study resources, teachings, and thoughts to deepen your study of this week's Come, Follow Me.
I’ll never forget someone showing me the triangle graphic. You’ve likely seen it yourself. The idea was simple but for some reason it has never left me. If a married couple (both positioned in the bottom two corners of a triangle) are both focused on drawing closer to God (the top point of a triangle), they will ultimately draw closer to one another. I’ve found that the same is true of many other relationships in our lives. Whether it be a friendship, a mission companionship, or a parent-child relationship, if two people are trying to draw closer to God, their relationship with each other will also benefit.
During my time as a missionary, it struck me that a similar concept is true of a scripture we all know in Helaman 5:12—and arguably the most well-known verse in this week’s Come, Follow Me study. It speaks of building a foundation “on the rock of our Redeemer, who is Christ, the Son of God . . . that when the devil shall send forth his mighty winds, yea, his shafts in the whirlwind, yea, when all his hail and his mighty storm shall beat upon you, it shall have no power over you to drag you down to the gulf of misery and endless wo, because of the rock upon which ye are built, which is a sure foundation, a foundation whereon if men build they cannot fall.”
This scripture could be referring to our lives when it speaks of building on the sure foundation of Christ, but it is my belief that many different aspects of our lives require a foundation, and in each case, building on a foundation of Christ is the best idea.
For example, when it comes to relationships, the triangle can also be applied to this scripture. If two people build a relationship on a foundation of Christ, it cannot fall. The tricky part here is that, of course, it takes two—both people must choose to build on that foundation while remaining committed to one another. But if they do, they are on solid ground—“a foundation whereon if men build they cannot fall.”
This scripture helps us know what (or who) our testimony at its very base should be built on: our Redeemer. We cannot truly be converted to the gospel, which is His gospel, if we do not love and trust Him. True conversion means wanting to build our lives on His rock so much so that we are willing to make promises or covenants with Him.
As we begin Helaman, it is my hope that you will begin, if you haven’t already, to look for Him throughout the rest of the Book of Mormon. In the October 2018 women’s session of general conference, President Nelson made this promise after extending an invitation to read the Book of Mormon: “As you read, I would encourage you to mark each verse that speaks of or refers to the Savior. Then, be intentional about talking of Christ, rejoicing in Christ, and preaching of Christ with your families and friends. You and they will be drawn closer to the Savior through this process. And changes, even miracles, will begin to happen.”
Below you will find a few of my other favorite takeaways from this week’s study of Come, Follow Me.
Sunday on Monday
Someone once pointed out to me several references in Helaman that refer to the heart. I have always loved that about these chapters in Helaman 1–6 since.
For example, in Helaman 2, we read that the servant of Helaman, upon learning “all the heart of Kishkumen” and that he desired to kill Helaman, the servant “did stab Kishkumen even to the heart.” We are told that hearts of the people who belonged to the Church of God were purified and sanctified, “which sanctification cometh because of their yielding their hearts unto God” in Helaman 3:35. But in Helaman 3:36, we begin to observe an “exceedingly great pride” working its way “into the hearts of the people.” Later, in Helaman 4:12, we see that this pride led to wickedness. And in 5:24, as Nephi and Lehi are encircled about as if by fire, we read that “their hearts did take courage.”
As a result of my love for these scriptures, I appreciated when Sunday on Monday host Tammy Uzelac Hall pointed out that “throughout this book of Helaman, you’re going to see the word ‘heart’ repeated over and over and over again. . . .That is the very first body part that Satan attacks. . . . Why the heart of all the places Satan could attack?”
Hall points out on the podcast that this seems to be something our prophet, President Russell M. Nelson, is still concerned about—the condition of our hearts. As a world-renowned heart surgeon, President Nelson knows a thing or two about hearts, and in a video released by the Church in 2011, he warned that as was prophesied in Luke 21, in the last days men’s hearts shall fail them. “Mans’ hearts are failing, and that includes women, because they forget their identity and their purpose,” President Nelson said.
When I was in the Missionary Training Center, a speaker gave a talk that has stuck with me ever since. They said they had once visited a foreign country where instead of greeting one another by asking “How are you?” they instead asked, “How is your heart?” These chapters in Helaman remind us to be concerned about the condition of the heart, both ours and the hearts of others around us.
Come, Follow Me for Individuals and Families
In this week’s readings in the Come, Follow Me manual, I really loved this quote shared by Elder Jeffrey R. Holland: “You have more faith than you think you do because of what the Book of Mormon calls ‘the greatness of the evidences’ [Helaman 5:50]. … The fruit of living the gospel is evident in the lives of Latter-day Saints everywhere” (“Lord, I Believe,” Ensign or Liahona, May 2013, 94).
I have always been a big fan of experiences. It is by having an experience with a principle of the gospel that our testimonies of that principle are strengthened. I’ll never forget on my mission when I asked a high school student to share an experience he’d had with fasting. He replied, “Which one? I’ve got lots.” This is why in Malachi 3, the Lord said, “Prove me now herewith.” If there is a principle of the gospel you want to have a better testimony of, give it a shot and just wait to see if the principle blesses your life.
President Henry B. Eyring is a great example of looking for “the greatness of the evidences.” In his October 2007 general conference talk, he said that every day for years he asked himself, “Have I seen the hand of God reaching out to touch us or our children or our family today?”
►You may also like: Elder Holland: To my friends who want to believe
“As I would cast my mind over the day, I would see evidence of what God had done for one of us that I had not recognized in the busy moments of the day,” President Eyring said. “As that happened, and it happened often, I realized that trying to remember had allowed God to show me what He had done.”
As Elder Holland similarly said, “The fruit of living the gospel is evident,” we just have to look for it.
Don’t Miss This in the Book of Mormon
This week as I read in Don’t Miss This in the Book of Mormon devotional book (which is one of my favorite Deseret Book products this year), I was touched by something David Butler wrote. Maybe it resonated just because I am a pretty terrible runner, but he said that when he married his wife, who is a gifted runner, they made a deal: He would run one full 26.2-mile marathon and then he never had to do it again. Before training for the marathon, the longest he had ever run was three miles, but he did it! He trained, and on the day of the marathon, his grandpa gave him a piece of advice that may have seemed overly simplistic: “Just put on foot in front of the other.” While he laughed about it at first, he found himself not only thinking of his grandpa’s words during the race but many times in the years since.
“Mormon’s explanation for why the Lamanites were more righteous than the Nephites was categorized by two words—firmness and steadiness. It would be a compliment to be described as someone firm in the faith,” Butler explains, tying his experience to the scripture found in Helaman 6:1. “It sounds like someone who is strong and committed, whose devotion is unwavering. But for how long? What if it only lasts for a year? A firmness in faith is a wonderful thing, but it is only powerful when it is combined with steadiness. Steadiness implies someone who is in for the long haul. Someone committed to always putting one foot in front of the other. To me, this is what characterizes loyal, consistent disciples. Their steadiness is the reason they are firm.”
Simply putting one foot in front of the other as we seek to walk toward Christ, to build our foundation on Him, will result in a “greatness of evidences.” Our hearts will be changed and with that, our lives and our relationships will improve. As we continue on sure and steady, like the foundation on which we are built, we will find that we are doing better than we think we are and that God is more involved than we realize.
►You may also like: A behind-the-scenes look at the creation of Emily Belle Freeman and David Butler's 'Don't Miss This'

domain: literature


text:
Being involved in an automobile accident is never a good experience, but there are certain factors that you will need to take into consideration right away. There will be a range of emotions and frustrations that will likely set in during the immediate aftermath, so it is important to remain calm and seek legal advice. When it comes to Iowa auto accident claims, there are many reasons that you really need a lawyer. Consider the following there to demonstrate this truth.
Lawyers Will Deal With Insurance Companies
Dealing with insurance companies is never very much fun. When you go to submit an auto claim, it is important to remember that the insurance adjuster assigned to your case will be looking after the interests of their own firm. Even if you were not at fault, they will still work hard to get you to settle for far less than you deserve. They will also stall every step of the way if they can, so you need to get a lawyer to represent yo in front of the insurance company.
Your Attorney Will Provide You a Free Consultation
It is important to know what your legal rights are after an auto accident. Your lawyer will be happy to sit down with you and discuss your options. You will be presented with some legal options that you might wish to pursue, and this is all made easier with the counsel of a professional and experienced lawyer in the field. If you choose to have a lawyer represent you, make sure the case is accepted on a contingency basis only. This means that you will not owe your lawyer unless and until the case is settled in your favor and you receive financial compensation.
You May Qualify for Financial Compensation
Speaking of financial compensation, you might be entitled to that if you are not at fault in the accident. In order to get what you deserve, you will want a lawyer working on the case from the start. He or she will work out a settlement with the insurance company, or they will represent in a court of law if it comes to that.
These are just three of the reasons that you should consider consulting with a lawyer if you have been involved in an automobile accident. Remember to get your injuries looked after first. As soon as you are able, contact a law office near you to schedule your free consultation.


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Resorts of the Northwoods
“Going to the resort”… a phrase that conjures so many memories and meanings for generations of Minnesotans. From the resort owners and workers who are passionate about their business, to the visitors who eagerly await their escape “up north”, the story of the resort industry in northern Minnesota is one that has touched the lives of countless people. From the large all-inclusive destinations, to the small “mom & pop” seasonal operations, these “Resorts of the Northwoods” have made an indelible impact on our history and culture.
Links for our Partners in Production
- The early HISTORY of Cragun’s in their own words
- Grandview Lodge History
- Maddens History
- Crow Wing Historic Photos
- Black Pine Beach Resort and Whitefish area logging

domain: travel


Previously Recorded Radio Broadcasts
The following programs were recorded on 94.3 Faith FM in 2009.
The views and opinions expressed in the Exceeding Joy broadcasts are those of Exceeding Joy and do not necessarily reflect those of Faith FM, its staff, and volunteers. The advice given on these broadcasts is the opinion of Exceeding Joy and is not meant to replace counselling and/or medical advice.
Listen to recordings online!
There is now currently over 18 hours of quality content recorded and available for you right here.


We have received a report that customers who have upgraded their Windows 10 to Fall Creators Update and applied MS update October 17, 2017—KB4043961 (OS Build 16299.19) may experience the Blue Screen of Death (BSoD) on endpoints with Worry-Free Business Security Services (WFBS-SVC) installed.
WFBS-SVC currently does not support Windows 10 Fall Creators Update but we have identified this issue to be caused by a conflict between the said MS update and our Eyes driver tmcomm.sys.
As a workaround, our development team has created a tmcomm patch that will replace the tmcomm.sys driver when applied manually to specifically address the BSoD. (Download is available here.)
This patch is scheduled to be deployed globally on October 21st to WFBS-SVC Security Agents so no need to apply tmcomm patch manually after this date.
Please take note that the official hot fix that will fully support Windows 10 Fall Creators Update is still scheduled to be deployed as early as November 18th but not later than mid-December. As such, we encourage customers not to upgrade to Windows 10 Fall Creators Update yet prior to our official hot fix release to avoid compatibility issues.
For more information, refer to the KB article: Trend Micro Business Endpoint Support for Windows 10 Fall Creators Update.


Tensions on the Korean Peninsula have built to levels last seen during the Cuban Missile Crisis – the height of the Cold War. While many have been quick to blame the quixotic policymaking of President Trump, what has brought us here is North Korea’s development of a nuclear-tipped inter-continental ballistic missile capable of hitting the United States.
The situation has not been helped by the fiery rhetoric used by Trump or North Korea’s leader, Kim Jung-un.
Despite their apparent domination of media headlines, the fact is that both men inherited this crisis, with the tracks being laid decades ago, in the early 1990s.
From Pyongyang’s perspective, the nineties were a nightmare. All across the...
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This is amazing! I love it!
Really wonderful mini album! Each page has a new and interesting element to it. Love for you to link it up to my challenge here http://angsandy.blogspot.com/2011/03/sandys-challenge-3.html
This is just AMAZING! I love it!
How do you do it? Simple and classic, but so much to look at. love it!
this is fantastic. Love all the stitched elements, the usage of the torn notebook punch. The way you've created a clean look, but still incorporated so many fun elements. Just wonderful - through and through. Thanks so much. most uplifting mini I've seen in some time.
Project - Week-end at the zoo
This was longer than I wanted to make a mini album on this week-end. The photos date from March 2008! I am so happy to have finally finished!
I used the collection “Actopus To Zelephant” from K&Company. The colors and patterns are just perfect to illustrate this theme. I wanted to replicate the same design on all pages just to stay clean and keep the album simply. The introductory page was the model. Then each double page is reproduced identically with different colors and patterns combinations.
I made the album cover with a chipboard that I covered half of paper and fabric. The fabric is sewn as a pocket where you can insert photos or documents. I used a bazzill for the back of the cover and I choose a turquoise blue to contrast with the top. Then I put very large eyelets.
It was so fun to work on 8*8 album. I have put a lot of photos (no less than 30 and I will put some more !) and used lot of pattern papers. Very good challenge for the beginning of the year! I'm proud of me…
Thanks so much for looking!
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More sticky issues in Bangsamoro talks
What they signed in Malacañang last Monday was not yet the agreement that will finally bring peace to Mindanao after four decades of war. But it is a good start in the long and winding road to peace.
What they signed was only the agreement to a framework, or agenda, or points of discussion, for future negotiations until a final peace accord is reached. It may be a long rough road, or a short paved one, depending on the sincerity of each side, but the deadline they set for themselves is three years—before President Aquino bows out of office. P-Noy obviously wants to present to the Filipino people the final peace agreement as the crowning glory of his administration.
But such a deadline, and such a motive, may put P-Noy’s negotiators at a slight disadvantage. As the deadline approaches, MILF negotiators may become more stubborn and push their more sticky proposals. And P-Noy’s negotiators may be forced to bend backward too far in their desire to present their boss with a trophy as a going-away gift.
There are many difficult issues yet to be discussed. Ex-Ambassador to Egypt Macabangit Lanto, also former representative of Lanao del Norte and Speaker of the ARMM Regional Assembly, as well as Quezon Rep. Erin Tañada, explained these difficult issues last Monday at the Kapihan sa Manila at the Diamond Hotel.
Among the most difficult is the question of the possession of guns. The members of the MILF want to retain their high-powered firearms with which they have killed many government soldiers; the government wants the national law on the possession of firearms to also apply to the proposed Bangsamoro. This is very difficult because it is said that Muslims would rather give up their wives but not their guns.
Another problematic issue is the desire of the MILF warriors to be integrated into the Philippine National Police. The government is agreeable provided the warriors attend and graduate from the police academy. The question is: What if they have a hard time at the academy and don’t graduate? Will the PNP lower its standards just to accommodate them? If weeded out, won’t the disgruntled flunkers go back to being rebels?
Still another is the plight of the Christians and lumad in the proposed Bangsamoro. The negotiators seem to have forgotten them. Not only does the name, Bangsamoro, give the impression that the region is exclusively for the Muslims (there are about the same number of Christians and lumad as Muslims in the proposed Bangsamoro), its administrative and judicial systems, and especially its police force, will be predominantly Muslim. The Christians and lumad have expressed fears that they may be persecuted by their Muslim “masters.” If the Christians and lumad are persecuted by their Muslim neighbors, who do they run to for help when the police force, the courts and the regional administration are predominantly Muslim?
Then there is the issue of territory. The proposed Bangsamoro will be expanded from the present Autonomous Region in Muslim Mindanao with the addition of more barangays and municipalities. I understand that the final peace agreement, including the Basic Law—which is another name for a constitution—and the new territory will be submitted to the people of the region in a plebiscite. It is not known whether the plebiscite on the new territories will be submitted only to the people of these new territories or to the whole Bangsamoro region.
If it is the latter, then the votes of the people of the new territories, where there are many Christians and lumad, will be buried by the votes of the old ARMM. Christians ask: Shouldn’t this issue of the new territories be voted upon only by us who are directly affected, while the whole issue of the peace agreement is submitted to the whole Bangsamoro region in a plebiscite?
And what is the purpose of submitting that issue to the whole Bangsamoro instead of only to them? they add. If the people in the new territories vote “No,” then it is assumed that they will be excluded from the Bangsamoro homeland. But what about the areas already included in the ARMM? If they vote “No,” will they be allowed to secede from the ARMM or the Bangsamoro?
Then there is the issue of the judicial system. Will the Christians be governed by the Shariah (or Muslim) law, or by Christian laws?
Ambassador Lanto and Congressman Tañada tried to explain these contentious issues but they confessed that they do not have all the answers and that future talks would thresh that out.
On the controversial P80-billion coco levy fund, Tañada said it lost P24 billion when the Presidential Commission on Good Government, which holds the sequestered shares in some private corporations, agreed to the downgrading of the fund shares in San Miguel Corp. from common shares to preferred shares. Common shares generally have higher value than preferred shares, but the PCGG said it wanted to avoid losing more if the value of the common shares drop.
What to do with what is left of the coco levy fund is another sticky issue. (The coconut levy was imposed during the Marcos administration and collected from coconut farmers for every kilo of copra they sold. The levy funds were invested in shares of SMC when the latter was headed by Eduardo Cojuangco, a crony of Marcos.)
Some coconut farmers’ groups want the money to be refunded to them. But some sectors fear that the farmers may only squander the money on nonproductive things. They prefer that the fund be used to improve the ailing coconut industry so that the farmers will earn more, Tañada said. Tañada comes from Quezon province, where the biggest coconut plantations are situated and from where come the biggest number of coconut farmers.
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Hong Kong police have arrested a 14-year-old schoolboy and a 21-year-old man on suspicion of trafficking and manufacturing illegal drugs, while raids on two factory units led to the seizure of HK$530,000 (US$67,511) worth of narcotics.
Police stopped the Form Three student for an identity check on the grounds of suspicious behaviour on Pun Shan Street in Tsuen Wan at about 1am on Sunday. Officers allegedly found eight grams of suspected cocaine in his possession.
In a follow-up raid, officers seized 92 grams of suspected crack cocaine, 13 grams of suspected ketamine and two electronic scales along with packaging equipment and HK$1,504 in a unit in a Wang Lung Street factory building in the same district at 11pm on Sunday. Inside the unit, police arrested a 21-year-old man for drug trafficking.
According to the force, the 14-year-old school student was detained on suspicion of drug trafficking and manufacturing a dangerous drug, crimes punishable by up to life in prison and a HK$5 million fine.
In the early hours of Monday, officers raided another unit in a Chai Wan Kok Street factory building, also in Tsuen Wan. In the unit, police seized packaging equipment and illegal drugs that included 522 grams of suspected ketamine, 3.6kg of suspected Ecstasy in powder form and 347 boxes carrying 21kg of candy suspected of containing an illegal ingredient in marijuana.
Police are searching for a 20-year-old man in connection with the case.
“The haul of illegal drugs seized in the operation has an estimated street value of HK$530,000,” police said.
A source said the two young men were suspected members of the Wo Shing Wo triad society.
As of Monday morning, the two suspects were being held for questioning and none had been charged. Detectives from the Tsuen Wan district crime squad are investigating the case.
According to the force, there is a trend of young people being arrested for drug-related offences.
“Officers believe crime syndicates use money to lure young people into drug trafficking, and youngsters are also committing crimes without careful consideration,” police said.
The force urged parents to pay more attention to their children’s behaviour and help cultivate a positive attitude among young people.
Last Wednesday, police released a report detailing the city’s overall crime situation, noting that offences committed by young people fell 37.5 per cent in the first quarter from a year ago.
Figures showed that the number of young people arrested for various crimes dropped to 448 between January and March this year, compared with 717 during the same period in 2021. This included 52 people in the 10-20 age range detained for serious drug-related offences.
But the force said there were still cases where vulnerable young people had paid a high price for taking part in criminal activities.
Police highlighted cases in which four 13-year-old male students were arrested on suspicion of trafficking illegal drugs, and 11 girls aged between 12 and 15 were lured into prostitution. Ten of the girls were students.
Police described youth crime as a complex social issue that required different sectors of the community to collaborate in the use of education and publicity to help cultivate a law-abiding attitude among youngsters.
FROM THE ARCHIVE


Artist: Gelka Tune: Million Nights Country: Hungary Genre: Chillwave Tell me more: Beautiful ambient sounds from Hungary here from Gelka superbly complemented by the vocals of Phoenix Pearle. Also loving this remix by Synkro Where can I find them? Listen to more from Gelka on their Soundcloud pages.
Posts tagged with «chillwave»
Artist: Bimbotronic Tune: The World In Your Eyes Country: Russia Genre: Electronic Tell me more: Electronic track from the talented Russian producer – Bimbotronic. The track progresses beautifully into a plethora of sounds. If you are interested then please check out Bimbotronics interview here on Praguebeats. Where can I find them? Get to know Bimbotronic on Soundcloud.
Sun Glitters is a music producer from Luxembourg that we very much like here at Praguebeats. Real name – Victor Ferreira first started getting noticed in 2011 when he released some EPs and also his debut LP – “Everything Could Be Fine”. Since then he has had further releases and has now released another album by […]
Red Leaves Time to go to the Ukraine now to showcase a VERY underrated artist. He goes under the producer name of Tiiiza and he combines elements of Chillwave and Dream-Pop to create wonderfully rich melodic tunes full of warmth and textures. This particular song – Red Leaves – was released in August this year […]
The voice is a powerful instrument… It is something that can both haunt or inspire, enrage or enchant, whisper or shout. The range of possibilities is astounding and the subtlety of emotions that it can convey is truly incredible. On Ondra MK’s latest release it is the voice that instantly stands out with its beautifully […]


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“Anyway, like I was sayin’, shrimp is the fruit of the sea. You can barbecue it, boil it, broil it, bake it, or sauté it. Dey’s uh, shrimp-kabobs, shrimp creole, shrimp gumbo. Pan-fried, deep-fried, stir-fried. There’s pineapple shrimp, lemon shrimp, coconut shrimp, pepper shrimp, shrimp soup, shrimp stew, shrimp salad, shrimp and potatoes, shrimp burger, shrimp sandwich.”
– Bubba (Forest Gump)
If you have watched this popular 1994 classic, Forest Gump, you must be aware of this important scene from the movie. As Bubba said, you can prepare shrimp in various ways, and whether you barbeque, bake or simply sauté them, they are delicious. Moreover, shrimp can be enjoyed with a variety of bread and rice, including naan, chapatti, tandoori roti, fresh bread, and jeera rice, depending upon the type of dish you are preparing.
Licious offers an exceptional range of shrimp or seegadi that are fresh and perfect for preparing your favourite dishes. From flower shrimp in sizes small and medium to brown shrimp and witch shrimp, all the items to prepare a delicious Bubba Gump Shrimpdish will be delivered straight to your doorstep. What makes our range of shrimp different from the rest is the fact that they are caught fresh every day, cleaned, and passed through 150+ quality and safety checks before being vacuum-packed. This ensures complete cleanliness and hygiene of the orders you place so you can use them as received to prepare your dish.
So, prepare a lip-smacking Forrest Gump Stir Fried Shrimp Recipe with fresh, pre-cleaned shrimp from Licious today.
What is the Forrest Gump Stir Fried Shrimp Recipe?
In the movie Forrest Gump, you will come across a beautiful scene where Forest Gump and his army friend Bubba, are seen having a conversation about the versatilities of shrimp and how it can be cooked in various ways.
Capturing this essence of the American movie, Bubba Gump Shrimp Co. was invented to serve delicious, made-from-the-scratch, Southern-style comfort shrimp dishes in a variety of ways. And taking inspiration from the silver screen and this restaurant, you can find an Easy Shrimp Stir Fry Recipe that is not only tasty but super quick to make.
Here’s some interesting trivia about the dish:
- The Bubba Gump Shrimp Co. was established in 1996 in Monterey, California, and to date, it is the first and only casual restaurant inspired by a motion picture property.
- Diners at the restaurant are occupied with fun Forrest Gump trivia right at their table.
- The restaurant also offers various merchandise, including the film’s popular dialogue “Run Forrest Run” t-shirts!


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As a new mum myself, I know what an exciting and nerve wracking time having your first baby scan can be. You see the little pixelated images of your baby and hear the heartbeat for the first time, the emotions are wonderful. It's a life-changing moment that stays with you forever.
Some of the couples who will be experiencing these emotions over the next few weeks will be among the first parents eligible to share leave under the new Shared Parental Leave regulations that come into effect in April of next year.
These couples can now start planning ahead knowing that they have the option to choose to share the care of their child and time off work in the way that suits them best. Mums will still have to take at least two weeks of maternity leave immediately after birth but, after that, working couples will be able to split up to 50 weeks of shared parental leave and up to 37 weeks of pay. With each parent able to take up to three separate blocks of leave, families now have a real choice in how they spend the first year of their child's life.
A dad could opt to take the entire 50-weeks of Shared Parental Leave or he might simply take an extra three or four weeks at home after baby is born. A mum might take the first 6 months with dad taking over when she goes back to work or a couple could opt to stay at home together for up to 26 weeks. Every family is unique and the new Shared Parental Leave regulations recognise that by giving real flexibility and choice to parents
Both mothers and fathers will be able to keep a strong link to the workplace whilst still playing a full part in the early stages of their child's life. There are many mums who want to be able to balance being a hands-on mum with a dynamic career and there are many working dads who want to be able to spend more time bonding with their baby in the early months of their child's development.
This issue is something I've always felt strongly about and those feelings have only been reinforced since becoming a parent last year. The archaic assumption that childcare is only an issue for mums fails to recognise the crucial role that dads play.
I believe that Shared Parental Leave will help create a cultural shift in the workplace, making it just as normal for fathers to take on childcare responsibilities as mothers. Mums and adopters will have real choice about when they return to work, dads will have more time to bond with their children, children will have better outcomes, while employers will benefit from lower staff turnover and having a workforce that is more flexible and motivated. And who wouldn't want that?
For more information about Shared Parental Leave and to check your eligibility visit www.gov.uk/sharedparentalleave


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Medicine Overview of Mycopas Granules
Rash, Fever, Peripheral neuropathy (tingling and numbness of feet and hand), Increased liver enzymes, Jaundice.
Take this medicine in the dose and duration as advised by your doctor. Check the label for directions before use. Empty the granules in a glass of water/milk, stir it and consume immediately. Mycopas Granules is to be taken empty stomach.
Avoid Mycopas Granules with tyramine-rich food such as cheese, smoked fish, meats and some types of beer.
Mycopas Granules is a combination of two medicines: Sodium aminosalicylate and isoniazid which treat tuberculosis. Sodium aminosalicylate stops bacteria causing TB from producing folic acid, a nutrient required for their multiplication. Isoniazid prevents the TB bacteria from forming their own protective covering. This kills the bacteria and eradicates the infection.
In Depth Information on Mycopas Granules
Mycopas Granules related warnings
Mycopas Granules may cause symptoms such as flushing, increa
sed heartbeat, nausea, thirst, chest pain and low blood pressure with alcohol (Disulfiram reactions).
WEIGH RISKS VS BENEFITS
Mycopas Granules may be unsafe to use during pregnancy.
Animal studies have shown adverse effects on the foetus, however, there are limited human studies. The benefits from use in pregnant women may be acceptable despite the risk. Please consult your doctor.
No information is available on the use of Mycopas Granules d
uring lactation. Please consult your doctor.
Do not drive unless you are feeling well.
Mycopas Granules can cause fits, mental health problems and optic neuritis (inflammation of the optic nerve that may cause loss of vision.) This may affect your driving ability.
There is limited information available on the use of Mycopas
Granules in patients with kidney disease. Please consult your doctor.
Mycopas Granules should be used with caution in patients with liver disease. Dose adjustment of Mycopas Granules may be needed. Please consult your doctor.
Use of Mycopas Granules is not recommended in patients with severe liver disease.
One of the following vendor pharmacies will deliver Mycopas Granules: MAX, PPR, GBL, SBA, OLT, DHR, PTI, EMB, NTB, GTC, DFP, SWA, SHD, PRN, VRS, HEX, ZVP, STA, SDM, BHP, ATP, DGN, OIP, AAR, IPL, WSI, PNT, JVO, ENP, AGT, DPL, LHA, MAK, PLT, FGH, RSS, MMS, NDP, OWP, GTK, DPP, NWP, BTM, USF, AAY, OHM, ADT, RKS, ABP, PVP, ARD, NSL, SWP, SCH, BMJ, MDO, SYN, WHL, RUS, BIO, 9T9, RPP, RJH, SAF, NNH, JIV, DLP, SSA, HMP, GPP, MSD, BAL, IAD, SVH, RHW, ANT, MPC, NVY, MOM, PEN, BSN, AMR, HBV, PWN, NXG, MLC, AVN, TRP, AYU, HAT, RSA, GNC, CLT, JMJ, BBS, KHH, TNH, EQN, HIP, UMP, HPC, NVL, SBL, DDR, DYG, GPT, MAM, RHL, BDN, RWP, THP, LCC, JVN, ATL, ZEL, SGC, SHP, INC, SJP, HGI, SAT

domain: health


Pepco Shares Tips for Keeping Cool and Saving Energy
Pepco officials say the utility company is prepared to serve customers during this heat wave, and officials have some suggestions for residents to keep cool and decrease their energy usage.
Here are a few tips:
- Turn off or unplug all unnecessary lighting, devices and appliances.
- When the AC is on, keep all outside doors and windows closed. Closing shades, blinds and curtains can also help keep unwanted heat from entering your home.
- Turn on ceiling fans to evenly distribute cool air throughout your home.
- It is important not to have lamps, televisions or other heat sources close to the air conditioner thermostat – heat from these sources may cause the air conditioner unit to run longer than it should.
- Ensure that ducts and fans are not blocked by furniture. This will enable cool air to circulate freely, making your home more comfortable.
Pepco customers can find more home energy saving tips and information on reducing their bills at www.pepco.com/energytips.


text: Abstract. Pazyuk IM, Fominykh TS. 2019. The evaluation of potato virus Y transfer by some beneficial bugs (Hemiptera: Heteroptera). Biodiversitas 20: 1222-1227. The predatory bugs Podisus maculiventris, Orius majusculus, Nesidiocoris tenuis, and Macrolophus pygmaeus were commonly used for control of pests in potato meristem culture in greenhouses. In this study, the risk of transmission of potato virus Y (PVY) by entomophagous bugs was estimated in cage experiments. It has been shown that none of the bugs tested was capable of transmitting the PVY. However, N. tenuis and M. pygmaeus have been shown to damage potato seedlings in the absence of animal food (pests or factitious food). The bug N. tenuis caused severer damage to potato plants than did the bug M. pygmaeus. Therefore, we can recommend only P. maculiventris and O. majusculus for pest control in potato meristem culture in greenhouses.


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- Provision can be requested on the spot
Our best offer
62.10 € / person / night, without provision
Description of the Accommodation
Rooms, services Guests looking for accommodation in Tures are welcome to book 42 nicely furnished rooms at Stocker Sand in Taufers. In case you ever feel like eating in, you may taste delicious local dishes in the restaurant of the hotel. Car parking possibility is available nearby. For recreational purposes you may try the wellness services provided by the hotel, the steam room, hairdresser's parlour and indoor pool will also be waiting for you. The fans of actively spent leisure time may take the table tennis, bike rental, bowling, billiard and minigolf opportunities nearby. The local café or the bar will provide an ideal location for personal meetings and nice evening chats. In the safe you can secure your valuables. If you wish to learn more about the exact scope of services provided by Stocker Sand in Taufers (including any available for an extra fee), you will find them on the information sheet below.
Payment Advance payment by credit card or providing credit card guarantee may be necessary for finalizing the reservation, depending on the chosen date, room and price.
Arrival, opening hours The earliest time to arrive is 14:00, the latest time to leave the rooms is 11:00. The personnel of the hotel can speak with you in Italian and English languages.
Stocker Sand in Taufers reservation, room prices Reservation, room prices
Parking (5 €/night)
Table-tennis, Billiard, Minigolf, Bowling, Bike rental at the accommodation
- Wellness, relaxation
- Indoor pool
- Steam room
- Finnish sauna
- Hairdresser's parlour
Pet friendly (15 €/night), Bar, Cafe, Elevator, Safe deposit box
Bathrobe, Hairdryer, Desk in the room
On Saturday and Sunday: 7:00 - 21:00


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A growing claims culture has put insurers under pressure to ensure the validity of claims, and they are increasingly relying on forensic accountants to do so. Jane Bernstein investigates
Forensic accountants have a higher profile than ever, thanks to the increasing employment of their services by both insurers and the insured, particularly on business interruption cases and where large losses are at stake.
Many claims specialists identify the credit crunch as a significant factor in the increasing popularity of forensic accounting. Sarah Civil, head of global technical services UK at Crawford and Company, predicts that as the economic downturn progresses, fraudulent claims will grow and the need for forensic accountants will increase accordingly.
Glen Marr, AIG's vice-president of financial crime, emphasises that forensic accountants are not solely utilised for scrutinising dubious claims, but adds: "These are tough times and the environment would suggest it may lead to an increase in fraudulent claims, which in turn may result in greater use of various fraud specialists."
Consensus suggests the nature of the claims culture has also helped bring these professionals into the spotlight. John Green, chief executive of Pierce Forensic, comments: "While there have always been forensic accountants working away quietly with lawyers behind the scenes, today they are at the glamorous end of the profession. This has been because of the increasingly litigious world in which we live."
Others attribute the current popularity of the forensic accountant to the sheer scale of available information requiring analysis - particularly on more complex claims.
Harry Roberts, director of technical, risk and compliance at Cunningham Lindsey, explains: "Businesses now have vastly more management and financial information than they've ever had, and developments in IT mean they are able to deliver that information to the people handling the claims."
In addition, Neil Jackson, manager of specialist and large claims at RSA, says: "As a profession, it has been able to market itself better in recent years in terms of the services they provide and where they can add value."
One area that has seen particular growth is the use of forensic accountants by insureds. This is often seen as an attempt to level the playing field in cases where insurers have instructed their own. Jonathan Samuelson is a partner at Harris Balcombe and heads up the loss assessor's BI division. He asserts: "Quite often, if the insurers appoint a forensic accountant, we will do likewise."
He explains that where an excessive amount of information is requested, it makes sense for the insured to appoint their own forensic accountant - often their auditor - to provide the manpower for extracting the data without bringing the accounts department to a standstill.
Caroline Woolley heads up Marsh's forensic accounting and claims services team. She explains that the use of such professionals brings peace of mind to the insured. "We can keep them informed about what is expected and how to deal with specific requests from the insurer's representatives. We can also predict what will happen in meetings and ensure they are well prepared."
Mr Samuelson points out that where BI claims are concerned, the insurer is often required to cover the costs of a forensic accountant employed by the insured under an 'accountants fees' clause. "This is a standard clause in most BI policies," he explains.
David Hicks, head of forensic insurance for KPMG, explains that policyholder demand for forensic accountants is most pronounced in large losses, adding that the economics would not work effectively on smaller claims. "In a large loss, the policyholder would seek professional independent expertise to help prepare the claim, reduce the possibility of claim rejection and get it completed more quickly," he adds.
Insurers tend to limit their use of forensic accountants to larger losses, although not exclusively so. As Mr Marr points out: "At times they are used in high-volume claim environments, where their use can bring real benefits for an insurer."
But anecdotal evidence suggests their employment is more likely on larger or complex losses, which justify the costs, and that particular demand exists for their expertise on BI cases.
A common question when assessing the role of the forensic accountant is how far its role overlaps with that of the loss adjuster. Damian Glynn, head of financial risks at Teceris, believes the various parties work well together and that the different roles are 'self-evident'. "Most loss adjusters who are involved in significant BI claims tend to have worked with all of the forensic accountants before," he adds.
Mr Jackson emphasises that clarity of roles and responsibilities is vital: "You get the best result where you have a clear brief."
One recurring bone of contention, however, is that forensic accountants are often brought in part-way through the lifecycle of the claim. "Ideally, they should be involved from day one so they get a better understanding of the incident leading to the claim and can better assess its likely impact on the business," Ms Civil says.
Cost, of course, is an issue. But John Reynard, partner at BTG Forensic, a division of Begbies Traynor Group, points out that if parties can agree terms of business at the outset and bring the forensic accountants in from the start, then the cost implications are easy to manage.
The late introduction of a forensic accountant often slows down the claims process. Mr Reynard explains: "If forensic accountants are not brought in early on, insurers must make sure it gathers the information required for the forensic report as the investigation gets underway. Otherwise, a lot of work will have to be repeated later on and it will slow down the process. Getting monthly sales figures month-on-month is much easier to do than having to collate or recreate them further down the line."
Mr Hicks also puts forward the view that forensic accountants speed up the claims process rather than slow it down: "Employing a specialist to quickly make objective calculations reduces negotiation time."
Whether or not forensic accountants add to the lifespan of the claim, there is little doubt insurers value their involvement.
Ms Civil points out: "Insurers are under increasing pressure to ensure that claims paid out are not only valid but quantified correctly. The role of forensic accountants will certainly increase in future."
What lies behind the rise in popularity of forensic accountants?
1. The general increase in litigation - both in volume and value - which affects insurers in many different classes of business.
2. A general increased awareness of the forensic accountants' worth in reviewing claims and analysing the numbers in the required detail.
3. Increased globalisation of the corporate world - mergers and acquisitions have made for larger companies, with more interdependent relationships, such that losses can escalate.
4. The increase, in perhaps more recent years, of a higher incidence and severity of natural and catastrophic disasters.- James Stanbury, partner at RGL.
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The extra money will help the Jordanian government in its efforts to manage the country’s budget deficit.
At the beginning of July, the Finance Ministry said that the budget deficit for 2008 would reach JD826m ($1.16bn), some 6.5 per cent of gross domestic product (GDP) (MEED 4:7:08).
Ministry officials had forecast a deficit of JD724m ($1.02bn), some 5.6 per cent of GDP, at the beginning of the year.
During the first five months of 2007, the Finance Ministry received JD77.6m ($109.8bn) from foreign governments.
The main donors so far this year have been the US and Saudi Arabia.
Amman has spent more than it expected on food and some fuel subsidies.
Although Amman has removed subsidies from petrol and diesel, it continues to subsidise gas used for domestic heating and cooking.
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