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A report from Bank of America Merrill Lynch shows employees who do not feel financially well are most concerned about shorter-term financial goals, whereas employees who do feel financially well are most concerned about long-term goals.
Tag: Defined Contribution
One reason DC plans are outpacing DB plans in terms of ESG adoption has to do with a difference in pressing priorities, rather than doubts among DB plans of the viability or usefulness of ESG.
In creating a unified sales and service structure for DC, DB, multiemployer and association retirement plans, the firm wants to provide a more consistent experience for both advisers and plan sponsor clients regardless of market size, location or organizational structure.
Through the expanded Fidelity managed account program, employees will benefit from “ongoing, proactive engagement, including expanded annual checkups, reminders, and information that addresses their specific investment needs, to help them stay on track toward their financial goals.”
In addition, Vanguard found among its book of business a large increase in the number of small businesses offering retirement plans to employees.
In a broad statement marking the first anniversary of the OregonSaves program, State Treasurer Tobias Read suggests the pace of signups is advancing, with an average of more than a thousand people now being registered a week to start contributing.
A new Cerulli Associates survey suggests that at least half of 401(k) plan participants have no idea what to do with the savings they have diligently set aside for retirement.
The text of the new decision says the second amended complaint has failed because “it is an attempt to replead dismissed counts,” and because it includes an entirely new cause of action, violation of the Racketeer Influence Corrupt Organizations Act.
Is it more than education? Is it a full-blown program or something spontaneous and ad hoc? How frequently is it delivered, and how is it benchmarked? Who delivers it, and when?
The trust and expectation that employees place in their employers to help them prepare effectively for retirement is stronger than ever, and this is both a burden and an opportunity for DC plan sponsors.
Data from BMO GAM shows DC retirement plan fees have fallen for all sizes of plan sponsors except those with between $10 million and $50 million in assets.
Participants in the Lowe’s 401(k) plan have filed an ERISA complaint against their employer and Aon Hewitt Investment Consultants over alleged imprudent investment decisions.
The employer sought to carve out new hires from a critical-status multiemployer pension fund and instead direct their contributions into a 401(k) plan—but both a district court and appellate court have called foul.
Mobile-friendly, responsive web portal design has increased in the retirement industry to match consumers’ rising desires to be able to complete routine tasks without being tethered to a computer.
A new survey shows many Americans are flatly unaware that they can use their health savings account assets accumulated in their working years to pay for health care and long-term care expenses in retirement—believing erroneously the money must be spent or be forfeited each year.
An in-depth review of the results of the latest BlackRock Defined Contribution Pulse Survey show the largest plan sponsors continue to push for the most progressive best practices and plan designs.

domain: finance


Anchor Insurance Company Limited said it paid a total of N957 million claims to its policy holders in the past 10 months.
The company’s Managing Director, Mr. Ebose Augustine, giving a breakdown of the claims paid according to the classes of insurance, said N204.3 million was paid to affected customers under the oil and gas class of business.
He also said general accident took N197.5 million claims, while motor insurance took N197.4 million.
According to Ebose, loss of employment insurance scheme took N108.6 million, while N89.1 million went to those affected under the engineering class.
According to him, others included marine insurance where affected claimants received N63.2 million, fire class was N33.1 million and bonds – N27.7 million respectively.
He further disclosed that Covid-19 pandemic affected businesses and lives which gave rise to high cases of claims demands on insurers.
“We at Anchor Insurance had our own fair share of the claims report, especially the loss of employment insurance scheme but we are equal to the task as the primary duty of any insurance company is to pay claims,” he said.


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Education: Bachelor of Science in Business. Certificate in Human Resources Management
State of Arizona Department of Insurance Producers License
Arizona Department of Education, Certificate Substitute, PreK-12
Rhonda Piña, a second-generation Tucsonan, worked in the banking industry for 29 years. Her career with Wells Fargo Bank encompassed working as a senior business relationship manager in commercial banking services, a branch manager for the Oro Valley location at First Avenue and Oracle, followed by facilitating the opening of the Tangerine and First Avenue branch location.
Prior to joining Wells Fargo Bank, Rhonda was employed by Bank of America. She held positions in branch management, consumer and business banking—most notably for the Tucson district office generating new business customers and training team members in markets ranging from the northern to southern regions of Arizona.
Rhonda has previously served on a broad range of community organizations, including board of director positions for the Greater Oro Valley Arts Council (now known as the Southern Arizona Arts and Cultural Alliance), Oro Valley Rotary and the Northern Pima County Chamber of Commerce (now called the Greater Oro Valley Chamber of Commerce).
Rhonda’s previous community service also includes:
- Treasurer for the Pets Are Worth Saving bond campaign for the Pima Animal Care Center
- Affiliate member of Arizona Business Brokers Association
- Affiliate member of Commercial Real Estate Women
- Co-treasurer of the Susan G. Komen Race for the Cure
- Associate committee member of the Boys & Girls Club
- Volunteer at Habitat for Humanity
Rhonda’s current business affiliations include:
- Councilmember, Town of Oro Valley
- Amphi Foundation-Amphitheater Public Schools Foundation, Board of Director
- Commissioner and past vice chair of the Pima County Small Business Commission
- Member of the Pima Animal Care Center Advisory Committee
- Member of the Metropolitan Pima Alliance
- Oro Valley Optimist Club
Rhonda and her husband Raul, a civil engineer, enjoy playing golf and tennis and taking neighborhood walks with their rescue dog Lucy.


Musician Adam Levine; actress Alice Eve; Bad Rabbits perform. watch
Zoe Saldana is going boldly indeed!
The 34-year-old Star Trek Into Darkness actress dropped all her clothes for an upcoming issue of Allure. Although the shots are not full frontal nude — or remotely pornographic -- she does indeed leave little to the imagination.read more
Our top moments of the week:
13. Best Honesty, Part I: When Zoe Saldana stops by Jimmy Kimmel Live!, she isn't afraid to reveal why she's talking more slowly than usual — because she's really hungover! Saldana explains that she drank eight or nine glasses of wine with her Star Trek cast after the film's Mexico premiere and ate huevos rancheros at 4:30 a.m. before (almost) vomiting at the airport. "I don't know what time it is right now," she says. "Literally, I don't." Um, it is...read more


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by Joe sims
It appears the nominations process in the race for the next president of South Africa’s African National Congress has produced a veritable dead heat, with Jacob Zuma securing a slight lead. According to press reports, Zuma has been nominated in five provinces and Mbeki four. A News/24 story reads:
“Zuma now leads the nominations race, with five provinces supporting him to Mbeki's four. In KwaZulu-Natal, Zuma got 580 votes, Mbeki nine. In Gauteng, Zuma walked away with 263 votes, Mbeki 94. Nationally, Zuma received a total of 2 270 votes and Mbeki, 1 396. Zuma also garnered support from Mpumalanga, the Free State and the Northern Cape. The ANC Youth League gave him their backing last week. Mbeki won nominations in the Eastern and Western Cape, Limpopo and the North West.”
Officers for the ANC are nominated at local branch meetings and confirmed by provincial conferences. Delegates then go to the national convention pledged to a particular candidate. However, it seems that just as in US party conventions, ‘pledges” are not iron-clad and anything could happen. The ANC Women’s League is supposed to nominate its candidate today and it is widely expected Thabo Mbeki will be their candidate (the women’s and youth league’s are considered “provinces” for the purpose of national conventions). The two candidates will then have five provinces each.
Should Zuma win the presidency of the ANC and later become the standard bearer in the 2009 election it is likely that the current policies of the country will not change significantly. On the other hand, new political processes will surely be set in motion by the election. Before any of this happens however, the Limpopo province ANC Congresses must first have its say. It will begin on December 16th and will be covered by this reporter for the PWW and PA. Stay tuned.

domain: news


I have a 90 Bronco II 4x4, auto trans. The transmission is not always shifting into 3rd gear. It shifts fin into 2nd and Answered by a verified Ford Mechanic May 22, 2011 my 1989 ford bronco 1 4x4 302 v8 automatic has a transmission problem. it will go in reverse, park, neutral, and drive.
when i put it in drive, it goes to first gear. i accelerate and it doesn't go to 2nd or 3rd gear. yes i checked if its in 4x4 low. could it be a sensor? or could it be because my brake fluid is low and it's a safety Feb 05, 2012 I have a 1990 Ford Bronco with a 351 and e40d Transmission. My problem is that i am running 2300 rpms at 55 mph in overdrive. The transmission shifts fine for the most part, really smooth, no hard shifts. transmission trouble e40d Sign in to follow this.
Followers 0. transmission trouble e40d. With the vehicle remaining in manual Sep 28, 2015 Transmission problem, 1990 Ford Bronco. Eric C. Smith. Fix Transmission Shift Problem Ford 5R55E Explorer BUY QUALITY AUTO Add a Transmission Cooler to an FSeries& Bronco Common Customer Problems With The Ford E4OD Transmission Posted by Regis on Friday, January 4th, 2013 The Ford E4OD is a four speed automatic transmission designed for rear wheel drive light and medium duty pickup trucks.
1995 Ford Bronco transmission problems with 9 complaints from Bronco owners. The worst complaints are not shifting properly, transfer case 90 bronco manual transmission problem disengage from transmission. You are looking a used 4speed manual transmission removed from a 1984 Ford Ranger, here at our recycle facility. 355. 00 Automatic Transmission 8351 Fits 95 BRONCO (Fits: Ford Bronco) Mar 06, 2003 1990 2. 9 bronco II what manual tranny's will bolt up?
? '90 Bronco II, 2. 9L, Dual Tcase, 5. 13s, 35x12. 50s Head failure is a problem on '86'87 2. 9L's, by '91 when they stoped using the engine in production, the head problem was mostly fixed. The 2. 9 is an Excelent engine.
If your worried about over heating, put in a 4. 0L Get 1990 Ford Bronco repair and maintenance costs, common problems, recalls, and more.
Find certified Ford mechanics near you. Apr 11, 2011 91 Bronco Transmission Problems Sign in to follow this. Followers 0. 91 Bronco Transmission Problems Diagnostic& Repair Process Chart TSB 9164 for 9091 Bronco, 8991 Econoline& F Series, See my site for Manual Lever PositionTransmission Range (MLPSTR) 1990 Ford Bronco II manual transmission extremely hard to shift will not go into reverse Ford 1990 Bronco II question 90 Ford Bronco II: You have to put it in whichever gear you want it in before you start it or it wont shift at all.
There are shift solenoids in the transmission and apparently there's a problem them. I would get it I have an 1987 Ford Bronco II with a 2. 9L engine and manual transmission, my problem consists of this. I have replaced everything there is to change in the fuel system but the fuel rail, and my truck still has a hesitation, like its not getting enough fuel or too much air.
90 ford tempo 2. 3l engine. has low fuel pressure at shrader valve


Light propagation loss of the micron size optical waveguides is found to be improved from 1.8 to 0.6 dB/cm by capping waveguides by Al film. Al micromirrors for changing the light propagation direction in the vertical and horizontal planes were fabricated. Various shapes of Al corner mirrors to change the light direction in the horizontal plane were investigated. The straight simple mirror at an angle of 45° against the incident light has the largest reflectivity of 50%. Branched waveguides were also fabricated by using Al corner mirrors and resulted in the almost equal distribution of the light for three branches. Light emitting diodes (LEDs), micromirrors, waveguides and photodetectors have been integrated on a single chip and the signal transfer from the LED to the photodetector has been verified.


Broadcom said Wednesday that it had won a design win with Vonage for future generations of VOIP phones and adapters. Separately, the chip company also announced a 7.2-Mbit/s chipset supporting the next-generation HSDPA standard.
Intel said early Tuesday that it plans to shift its flash memory lines over to the 65-nm processes its microprocessors are currently using, and that it has created a monolithic gigabit flash chip using the new process.
Commentary: The iPod and its competitors have spawned a new breed of human, with wires seemingly permanently implanted in their ears. Now that everyone is carrying around their personal music libraries, what are we missing?
Sony’s dream of freeing TV from the confines of the living room is looking more like reality with a gadget that allows you to watch local broadcasts on a PC even if you are thousands of miles from home.
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Archives for Cheetah 3D Archives - Architosh
Mac 3D News: Germany’s Cheetah 3D Reachers Version 7.2
Cheetah3D now incorporates Apple’s AVFramework for superior time-media handling like the export of animations.
The Mac-Only Cheetah3D Gets Biggest Update Ever in Version 7
Five years in the making, the new Cheetah3D 7.0 is officially out. New Mac-only 3D software tool boasts new unbiased renderer and many new features.
Tidbits: Cheetah, Rhino, Imagination News
Mac CAD/3D News: We have tidbits on Cheetah 3D, Neon for Rhino 5 and more information on Imagination Technologies
Cheetah 3D 6.0 is out-now with Bullet physics engine
Cheetah 3D grows to version 6
Cheetah3D 5.7 Adds New Preference Window and more
Cheetah3D 5.7 adds improved Collada support, faster subdivision surfaces and a completely re-written and improved Preferences Window
Cheetah 3D first 3D application on new Mac App store
Cheetah 3D first professional 3d application on Apple’s new Mac App Store
Tidbits: Artlantis, e-on Vue and Cheetah 3D news
Mac CAD and 3D News: Abvent is getting closer to a 64-bit version of Artlantis; the entire Vue 9 product line up is now available and finally Cheetah 3D version 5.6 is a nice little free update for existing users.
Tidbits: Cheetah 3D and ArchiCAD news
Mac CAD and 3D News: We have tidbits on Cheetah 3D and its new particle system, plus ArchiCAD 14 distribution news and a recent BIM Server competition and its winner.
Tidbits: NX on Mac and Cheetah news
Mac CAD and 3D News: In tidbits this morning we have news on NX for Mac and an updated and more powerful 64-bit Cheetah!
Cheetah 3D 5.1 has new animation features
Cheetah 3D version 5.1 update adds improvements to animation, skinning, and other updates in addition to bug fixes
Cheetah 3D 4.7 released, Snow Leopard compatible
Germany’s Cheetah 3D version 4.7 is the latest update to this popular Mac OS X only 3D program and is compatible with Snow Leopard.
Cheetah 3D News: Five Years Old and Winners
Cheetah 3D Turns Five Years Old and Annual Rendering Contest Winners Announced.
Tidbits: Nvidia, Cheetah 3D, Dosch and Vectorworks
Mac CAD and 3D News Tidbits: Nvidia redefines highend Quadro GPUs for small form factors, Cheetah 3D launches contest, Shook Kelley wins AIA North Carolina and Dosch releases new 3D content
Cheetah 3D 4.5 Released Into the Wild – Better Leopard support
Cheetah 3D 4.5 has been announced and is fully available via download starting today — includes improved Leopard compatibility
Tidbits: Concepts Unlimited, RealFlow, Cheetah 3D, Vectorworks
Mac CAD/3D News: Concept Unlimited gets rebranded as Shark FX, plus RealFlow by Next Limit and more news


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Leicester is the largest city in the East Midlands, and the tenth largest in the country. Visit the city with motorhome rental Leicester to enjoy its rich and unique heritage. It has been a gathering place for different races and cultures for centuries and today has a thriving ethnic minority community accounting for more than a third of the city's population. Leicester is a cosmopolitan city in a picturesque county. Visit the National Forest with motorhome hire Leicester and enjoy a unique experience at the Conkers Visitor Centre and discover some of England's quaint villages on the Leicestershire Round, a 100 mile circular walk around the entire county. How about campervan hire Leicester and a visit to the National Space Centre in Leicester? For historic sites, take a trip to Belvoir Castle or Bosworth Battlefield where King Richard 111 lost his life. Try and alternative mode of transport with a trip on the Grand Union Canal or travel back in time on a steam train at the Great Central Railway. Other family attractions include Snibston Discovery Museum and Twycross Zoo for one of the world's largest collections of primates.
LeisureRentalsDirect.com is the #1 location for Motorhome Hire Leicester, Leicestershire, with 122 motorhomes for hire. We provide an advertising platform for motorhome hire, campervan hire, Motorhome Hire Leicester, Leicestershire and boat hire owners, as well as providing advice, reviews and last minute deals.

domain: geography


New Brunswick, NJ back at it again with the music talent - and we've always just been along for the ride. Peep trio, steve. - bringing us right back to our basement roots, and let's be real, we're happy to be there.
steve. is comprised of members Eric (ex. Bird Hotel and Semiotics)on bass & vox, Zach (also in The Great Depression) on drums & vox, and Kyle (Wisteria, Semiotics) on guitar & vox. The band's been around for a little over a year, and back in November they released their debut EP, Boo-shemi. The 6-track EP was produced by Kyle O'Connor and Nicholas Rapon, engineered by John Naeder and Ben Luckman, and mastered by Rachel Lightner. All songs written and performed by steve., and ddditional vocals included Nicholas Rapon, Seth Blissenbach, and Ally Rose!
And, if you're asking us (which, you are, right?) that's a bunch of names that sound like they're going to make a really stellar EP. Spoiler alert: they did. Check out the tracklist below so you can follow along!
1. TF Happened to that Miguel Song?
2. SEGA Memecast
3. Soft Serve
4. Heart Attack on Titan
5. Purp Durp
6. Foney Hawk
Boo-Shemi's tracks are on the shorter side - but they fit with their up-beat, whimsical stylized lyricism and vocal upkeep.
The EP begins with "TF Happened to that Miguel Song," which sets the tone for the rest of the EP in certain ways. One of which being that upbeat instrumental sound we were talking about, and the other about stylizing the vocals - reminiscent of our favorite DIY groups - the opening voice, "Sitting in my room alone / while you're out with all my friends / telling them how much you hate me / and how much you'll never miss me." A theme that follows through the rest of the album with tracks like "Soft Serve," and "Foney Hawk."
Our favorite track, though, is definitely "Purp Durp," because of a few things. One of which being it's differentiation in sound then the previous or following tracks, and also the lyricism on this one is absolute perfection poetically. You should check out the bandcamp stream of it below, so you can hear what we're talking about too!
Overall, we're really digging this EP. It's quirky, fun, and fast paced - a nice teaser for maybe what can be expected from steve. in the new year! Either way, we're down for it - and we're down for all the great music coming out of NJ as of late, so thanks steve.
Definitely do check out Boo-Shemi, all six tracks are unique, personal and fun little compilations to croon over that girl you used to be into, or the self-depricating moments of early adulthood. Either way, check out steve.'s bandcamp and links down below for more!
steve.: Facebook // Bandcamp // Instagram // Twitter


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This is a beautiful creation of multi awarded Australian breeder Bruce Brundrett.
Happy Birthday! is a compact, free flowering and healthy bush, with bright yellow buds, which change to light apricot and fade to cream when fully opened, showing their bright yellow stamens. The foliage is light green, clean and healthy. A light fragrance. Height up to 140cm.
|Features & Growth Habit
|Treloar's Health Rating
|4 Star Heath Rating
|Growth Height (approximate only)
|Attracting the Bee's
|Borders & Hedges
|Planting In Pots
|Every care is taken to provide accurate descriptions and information on each variety. Please note that characteristics will vary depending on the growing conditions. The information provided below may not be completely accurate for your climate or growing conditions.
The colour images and descriptions are to be used as a guide only. Every care is taken to accurately describe growth habits and reproduce the correct colour in images. However, other factors such as Australia's varied climatic conditions, seasons and soil type can affect blooming and rose growth.

domain: biology


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You are not permitted to download, save or email this image. Visit image gallery to purchase the image.
The listed company yesterday unveiled a new transformational strategy, saying it would transition away from the manufacture and supply of synthetic fibre carpets over the next 12 months and existing synthetic stocks would be sold down.
In its strategy, the company said the long-term dangers posed by plastics were becoming clear. Plastic was a global problem and manufacturers needed to be part of the solution.
The impact that plastics had on human health was not yet fully understood, but early studies suggested that microplastics entering the body were a potential threat. The average Kiwi home with synthetic carpet was similar to having 22,000 plastic bags on the floor, by weight, it said.
For many years, wool carpet was the preferred option for flooring but in the past two decades more flooring choices had become available.
Synthetic carpets, made from plastic fibres, were introduced to Australasia, backed by global manufacturers with large marketing budgets.
Consumers were starting to reject plastic, particularly single-use plastics, in favour of multi-use or more sustainable alternatives. Consumers were also becoming aware that plastic came in many forms, including synthetic carpet, upholstery, curtains and clothing.
Earlier this month, the Wool Industry Project Action Group — established in 2018 to look at opportunities to improve returns for the beleaguered crossbred wool sector — released a report saying it believed natural fibres were "on the cusp of a renaissance".
In a release to the market, Cavalier said it had always believed wool was the best fibre for carpet; its vision was to become a leader in designing and creating desirable, sustainable, safe and high-performing natural interior solutions.
While the focus would initially be on woollen carpets and rugs, the company would also be seeking other partnerships in which it could leverage its design and manufacturing capabilities and the value of the Cavalier Bremworth brand to create new product categories.
With support from independent advisers and industry experts, Cavalier had undertaken a review of its businesses and opportunities.
The company had identified a "valuable and growing trend" from consumers seeking high-quality, natural and sustainable products in their homes and believed it was strongly positioned to meet that demand.
It was confident it would deliver better returns on investment for its shareholders and, while the transformation would take investment and time, Cavalier had the infrastructure, capabilities and expertise to effectively manage the change, chairman George Adams said.
The financial benefits of the change were expected to be seen with a return to profitable growth from FY23 onwards, following an initial 12 to 24 months of investment as the business was reset, the new strategy executed and as the economy recovered from Covid-19. The full benefits were expected to be realised from FY25 onwards.
It was evaluating a range of opportunities to fund the transformation, including the potential sale and lease back of some or all of Cavalier’s land and buildings. Shareholder approval would be required for that.
March and April trading was affected by Covid-19 restrictions, particularly in New Zealand, and that trend continued into May. Sales in New Zealand in June were stronger than expected, and ahead of the corresponding month last year, with wool margins strong.
There was less impact in Australia than expected, although monthly sales were down compared with the previous year. Trading in Australia was better than expected in June, although sales for the first half of July had tracked down in response to the recent lockdowns.
Cavalier’s bank debt had been reduced to historical lows and was $14.5million as at June 30, and stock levels had decreased to about $35million, a significant reduction on the same time last year.


CHARLOTTE - We sat down with Duke's Nolan Smith at the annual ACC Operation Basketball festivities in Charlotte, North Carolina yesterday. Smith, who was named 1st team All ACC, shared his thoughts on twitter, the coming season, his relationships with coaches, teammates, Johnny Dawkins and his ability to be a leader and make people laugh. Coach K would later say that when Nolan smiles it lights up the whole room. In this audio clip, you get a good feel for Nolan Smith's character. Enjoy!
Just press play -


text: I’m tired of myself. Tired of my sin and tired of how it seems like walking out the front door changes who I am. The person who beileve’s in God and who struggles to do right is shoved aside when I leave my own house. I don’t understand. It’s like my room where I do my most deep prayers, feels like another world. Like a place outside of time where it’s just me and God. Like my whole neighborhood is a bubble. Where I hear and feel God truly. Usually at home I have a problem with over thinking. I go to school and it’s like I’m not thinking enough. I don’t get myself. How can I be so passionate about something but act like it doesn’t exist around others? Then I do things that make me feel bad inside. Like I have a bag of rocks on my shoulders. And sometimes it’s too much. To be honest I’ve thought of what it would be like to end my life. I don’t think I would, but it’s crossed my mind. Writing it out it doesn’t seem like much. But inside, what I feel and struggle with can’t be put into words.

domain: artistic


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Is there much point if it’s not going to save money?
The Citizen’s Assembly made up of City of Duncan and Municipality of North Cowichan residents has recommended amalgamation of the two municipal units.
But they’ve also stated that cost isn’t one of the reasons to do it. Because any cost-savings to taxpayers, if there even are any, would be negligible.
We’d venture to guess that the reason most people have argued for amalgamation over the years is because they believed it is a waste of money to have the two separate governments, with all of their respective municipal employees. Surely, the reasoning has been, one CAO, one director of finance etc. would be adequate for a united municipality and thus save cash? Apparently this is not the case. Which makes proceeding with any marriage questionable.
We’ll be interested to find out further details in the coming weeks from the assembly’s work, so we know what convinced them to recommend amalgamation, if financial considerations aren’t front and centre.
We can see how consistent standards in zoning and business regulations may be beneficial should the city and the municipality unite and share one set of bylaws and permits. But surely this could be done as a cooperative agreement between the two without the upheaval and expense (because yes, it would cost money to bring the two together) of amalgamation.
Because Duncan is so small in geographic area, with people living and working in the city on one side of the street in the urban core and finding themselves in North Cowichan on the other, there certainly can be some confusion, and possibly discord (Duncan prohibits backyard burning, for example, while North Cowichan still allows it for brief periods each year).
But so far we’re not convinced of the benefit.

domain: economics


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The 27 EU member states have agreed to a request from the UK for a further extension to Brexit departure day until the new year, it has been confirmed.
Outgoing President of the European Council Donald Tusk made a brief statement on social media earlier this morning, Monday, October 28.
Taking to Twitter, Tusk said: “The EU 27 has agreed that it will accept the UK’s request for a Brexit flextension until January 31, 2020.
The EU27 has agreed that it will accept the UK’s request for a #Brexit flextension until 31 January 2020. The decision is expected to be formalised through a written procedure.
— Donald Tusk (@eucopresident) October 28, 2019
“The decision is expected to be formalised through a written procedure,” the president added.
Last week, on Tuesday, October 22, Tusk said: “Following Prime Minister Boris Johnson’s decision to pause the process of ratification of the withdrawal agreement, and in order to avoid a no-deal Brexit, I will recommend the EU 27 accept the UK request for an extension.
For this I will propose a written procedure.
Tusk also said that he had spoken with Boris Johnson over the phone, and had explained the reasons to the prime minister why he was recommending the other member states accept the deal.

domain: politics


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I absolutely love Beef Stroganoff. This amazing recipe has juicy, tender stew meat and beautiful mushrooms covered in a delicious and savory sauce. This is a Phase 3 meal that will make the whole family happy. Serve it with a tossed salad full of your favorite vegetables to complete your meal.
Phase 3 | Serves 4
Prep time: 25 minutes | Total time: 1 hour, 20 minutes
3 tablespoons olive oil
1 pound beef stew meat
1 teaspoon sea salt
1 teaspoon freshly cracked black pepper
1 teaspoon onion powder
1 teaspoon garlic powder
1/2 teaspoon cayenne
1 onion, finely diced
4 cloves garlic, minced
1 1/2 cups beef broth
1 tablespoon apple cider vinegar
2 teaspoons Dijon mustard
1 teaspoon coconut aminos
6 ounces cremini (baby bella) mushrooms, sliced
1/2 cup coconut cream*
2 cups cooked Phase 3-appropriate Fettuccine
Heat a large, heavy skillet (use one with a lid) over medium heat. Add the oil, beef, and spices, and brown the beef on all sides for 2 minutes. Reduce the heat to medium-low and continue to brown for another 5 minutes.
Add the onions and garlic. Sauté for a minute, then add the beef broth, vinegar, mustard, and coconut aminos.
Bring to a boil, then reduce the heat to low and cover the skillet. Cook 45 minutes, or until the beef is tender.
Remove the lid, and stir in the mushrooms and coconut cream. Increase the heat to medium, then cover and cook for 10 minutes.
- Remove the lid, bring the sauce to a boil, and reduce until the sauce reaches your desired consistency.
- Serve over cooked fettuccine, with a tossed salad
*Note: Put canned full-fat coconut milk in the refrigerator overnight, or in the freezer for 30 minutes or so, and use the cream on top.

domain: food


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The Committee on Payments and Market Infrastructures (CPMI) and the International Organization of Securities Commissions (IOSCO) has published framework for supervisory stress testing of central counterparties (CCPs). The framework provides authorities with guidance to support their design and implementation of supervisory stress tests for CCPs.
In April 2015, the G20 finance ministers and central bank Governors asked the Financial Stability Board to work with the CPMI, IOSCO and the Basel Committee on Banking Supervision to develop a work plan for identifying and addressing gaps and potential financial stability risks relating to CCPs that are systemic across multiple jurisdictions and for enhancing their resolvability.
Since then, the committees have published guidance to enhance CCPs’ resilience, recovery and resolvability. The report published according to IOSCO addresses another key aspect of the joint CCP work plan. “The CCP supervisory stress testing framework is designed to support tests conducted by one or more authorities that examine the potential macro-level impact of a common stress event affecting multiple CCPs. Among other things, such supervisory stress tests could help authorities better understand the scope and magnitude of the interdependencies between markets, CCPs and other entities such as participants, liquidity providers and custodians.
“This type of supervisory stress test is different from, yet may complement, other stress testing activities conducted by authorities seeking to evaluate the resilience of individual CCPs. In June 2017, the CPMI and IOSCO published the Consultative report on framework for supervisory stress testing of central counterparties (CCPs). During the consultation period, they held an industry workshop with representatives from various market sectors and authorities from different jurisdictions,” IOSCO noted. According to IOSCO, the comments received emphasised the importance of seeking feedback from different stakeholders on the design and operational aspects of a supervisory stress test; managing the resource burden associated with these tests; protecting data; and promoting the transparency of test methodology and results as much as possible.
May oil cargo-load’s rejection plummets revenue by $811m
Global crude oil buyers have shunned 20 cargo-loads of the commodity on Nigeria’s May loading programme, plummeting country’s revenue projection by $811.91 million.
The move, which also worsened the glut in the market, came as 11 fresh Agbami, Escravos, Brass River June’s export flooded the market while trader, Vitol, won tender by the international oil companies (IOCs).
About $811.91 million total crude revenues from Nigeria, checks by New Telegraph showed, were put at risk.
South Korea’s SK Incheon Petrochem, asides from this, also declared plans to boost purchases of light crudes to replace Iranian condensate, including oil from Nigeria, Russia and Kazakhstan.
The loading schedule report on West Africa Crude also reaffirmed that several more June loading plans surfaced, but key grades Bonny Light and Forcados were still pending.
Stating that 20 of the cargoes from Nigeria were lingering after being on offer for some two weeks, the schedule showed Indian refiner, BPCL, was looking for West African grades in a tender that closed at the weekend.
The plans included six cargoes of Agbami and Escravos and five cargoes of Brass River, though not all were full sized.
“A backlog of roughly 20 cargoes from the May loading plan loitered. Despite this, other trading surfaced,” the schedule showed.
For tenders, trader, Vitol, had won a tender to supply India’s IOC with two cargoes of crude oil.
“The tender sought oil loading June 21-30,” it read.
Stating that the grades were not immediately clear, the loading schedule added that India’s HPCL launched a tender to buy oil, which closes this week.
The crude cargo usually in use for Nigeria’s crude sweet crude grade lifts at least 550, 000 barrels and two million barrels at most.
Using 550,000 barrels, the 20 cargoes contain at least 11 million barrels, which also amounted to at least $811.91 million based on $73.81 per barrel current price.
Long Range (LR) class of crude cargoes, according to the United States (U.S.) Energy Information Administration (EIA), are the most common in the global tanker fleet, as they are used to carry both refined products and crude oil.
These ships can access most large ports that ship crude oil and petroleum products. An LR1 tanker can carry between 345,000 barrels and 615,000 barrels of gasoline (14.5-25.8 million gallons) or between 310,000 barrels and 550,000 barrels of light sweet crude oil.
A classification used to describe a large portion of the global tanker fleet is AFRAMAX. AFRAMAX vessels refer to ships between 80,000 and 120,000 deadweight tons.
This ship size is popular with oil companies for logistical purposes, and, therefore, many ships have been built within these specifications. Because the AFRAMAX range exists somewhere between the LR1 and LR2 AFRA scales, the LTBP does not publish a freight assessment specifically for AFRAMAX vessels.
Over the history of AFRA, vessels grew in size and newer classifications were added. The Very Large Crude Carrier (VLCC) and Ultra-Large Crude Carrier (ULCC) were added as the global oil trade expanded and larger vessels provided better economics for crude shipments.
VLCCs are responsible for most crude oil shipments around the globe, including in the North Sea, home of the crude oil price benchmark Brent. A VLCC can carry between 1.9 million and 2.2 million barrels of a WTI type crude oil.
There are a small number of ULCC vessels currently in use, as their size requires special facilities limiting the number of places where these vessels can load and offload.
These massive vessels can carry around 2 million barrels to 3.7 million barrels of crude oil. The only U.S. port that can handle such large vessels while fully loaded is the Louisiana Offshore Oil Port (LOOP).
Meanwhile, $10.22 billion loss is being suffered by Nigeria through crude output deficit from pipeline vandalism in 2016.
For Angola, another top producer in Africa, a handful of May loading Angolan cargoes were also still available.
BP purchased a June-loading cargo of Saturno from Sonangol, traders said.
Sonangol was also offering three Dalia cargoes at dated Brent minus $1.50 per barrel, one cargo of Olombendo at dated Brent plus $1.40, Girassol at Brent plus $1.20 and a cargo each of Hungo and Sangos at 40 cent discounts.
In the same vein, crude oil production by members of the Organisation of Oil Exporting Countries (OPEC) dropped just over 200,000 barrels per day in March. They are now just over one million barrels per day.
Diamond Bank divests holdings in UK subsidiary
Diamond Bank Plc has divested its 100 per cent holding in its UK subsidiary, Diamond Bank UK.
According to Reuters, the Tier 2 lender signed share sale and purchase agreement with member of GFG Alliance, for disposal of its entire share holding in its UK subsidiary.
The bank had announced last November that it was quitting other West African markets to focus efforts at home and deploy its resources on personal banking business in the country.
In a statement, Diamond Bank’s Chief Executive, Uzoma Dozie, said: “After 18 years of building the Diamond Bank franchise in other markets in West Africa, the time has come to fully apply our resources to Nigeria,” adding that the lender wanted to apply its resource to Nigeria to develop a profitable technology-driven retail banking business.
Dozie said Nigeria’s unbanked population and the rise of cost-effective digital banking platforms provided it with the opportunity to reach millions of customers in a market where it already had over 15 million clients.
Unity Bank rewards winners in ‘UniFiers project’
As part of its new focus on the youth segment and further to the launch of UNiFi product, its new Youth and Digital Banking initiative, Unity Bank Plc recently rewarded the creativity of three young people.
In a statement, the bank said that these recipients – referred to as Unifiers – demonstrated their innovativeness and distinguished themselves in an online competition.
The UniFiers initiative was conceived as part of the Bank’s Corporate Social Responsibility (CSR) which was instituted to empower young people who had developed definitive initiatives that had an impact on their immediate communities. Each of them were celebrated at the recent UNIFI-launch held at the University of Lagos.
The three successful candidates received rewards of half a million naira each for displaying their projects online as part of the UniFiers challenge and garnering highest number of votes from fans who endorsed their respective projects in each of the project category.
According to the GM, Products & Channels, Mr. Bonaventure Okhaimo, “the UniFiers project is aimed at encouraging creativity and motivating Nigerian youths”, adding that, “the Bank identified three broad categories for the competition which included ‘the Lanterns; targeting science & technology innovation, ‘the Humanitarians’, riding on social development and charity, and the ‘Builders’ – highlighting excellence in Art, design and culture”.
The winners that emerged include: Tolulope Falope – Builders category, Mobolaji Oriola – Humanitarian category and Albert Kure – Lantern Category.
As the Unifiers initiative continue to reflect the core essence of UniFi product offering, the Bank is currently taking the three winners through a mentorship programme intended to enhance the three winning projects and their promoters for the overall benefits of the society.
The Group Head Retail & SME Banking Group, Mr. Funwa Akinmade, who addressed students during the launch, described UniFi as a “product for the youth generation which offers a full digital experience that does not require them to ever visit the bank’s branch.”
Giving verve to local content in ICT
When it comes to technology usage and adoption, Nigeria has always been at the front, but the question is what percentage of the technology is produced locally? This has been bothering government and stakeholders alike for years, but without conscious efforts at implementing existing policies, the country may forever remain an ICT consuming nation that it is, SAMSON AKINTARO reports
Earlier this month, the Minister of Communications, Barrister Adebayo Shittu, spoke about the challenges inhibiting the growth of information and communications technology (ICT) in Nigeria and he specifically pointed at apathy for indigenous products and services as a major one.
According to the minister, this challenge is seriously affecting the business of local IT players in the country, from hardware to software and to services. That, however, was not the first time top government official would lament over the problem that is as old as the nation’s ICT industry and it is worrying that despite the agony of local players and the huge losses being incurred by the country over massive technology importation, there has not been any solution.
ICT consuming nation
With over 180 million population and diverse culture, Nigeria is a veritable market for any product or service and with that, it is not surprising that the best of technology products from around the world always find their way into the country.
Indeed, there is no latest technology anywhere in the world that a Nigerian is not already using and this is why billions of dollars is leaving the country every year on ICT importation.
According to the Director General of National Information Technology Development Agency (NITDA), Dr. Isa Panatami, Nigeria spends $2.8 billion yearly on importation of ICT products and services.
Products being imported include telecommunications, audio and video, computer and related equipment; electronic components, software and a number of others.
Corroborating NITDA’s view, the Director General of National Office for Technology Acquisition and Promotion, Dr. Ibrahim DanAzumi, also recently declared, though conservatively, that 90 per cent of technologies being used in Nigeria are imported.
Not long ago, the office for Nigerian Content Development (NCD) in ICT also declared that the preference for foreign ICT products and services was causing Nigeria a loss of over N1 trillion in foreign exchange yearly.
Despite the fact that the issue of local content and over dependence on foreign technologies have always been at the front burner for years, there seems to be no clear-cut policy to change the situation except for a few government statements and directives that end up disappearing through the airwaves.
However, speaking in Lagos recently at the Institute of Software Practitioners of Nigeria (ISPON) annual dinner, Shittu expressed optimism that with part of the Executive Orders signed late last by the Federal Government focusing on local content in ICTs, things would begin to change.
According to him, the ministry through the Council of Heads of ICT in Federal MDAs had examined the Executive Order 003 where stakeholders in the ICT met, brainstormed and proffered steps and solutions at domesticating the ICT local content initiative in Nigeria.
“In the same token, at the 5th National Council on Communication Technology (NCCT-2017) in Katsina, the council adopted the policy of optimising ICT local content and empowering local businesses in the sector and also approved the establishment of computer After-Sales- Services centers in MDAs and After-Support- provision for staff in service level agreements” the minister said.
Shittu said the issues of local content needed to be elevated to such a serious level to save the nation’s economy.
“What more can be economic sabotage, if actions that cause massive loss of jobs and massive loss of foreign exchange are not redressed. The National Assembly given the Executive Orders has the impetus to fast track the enactment of a holistic law on local content. Such a law should, among other things, criminalise breaches of the local content policy of the nation.
“The ministry through NITDA is ready to provide guaranteed order for the local products and the private sector must ensure quality of service and products. We are totally committed to the implementation of the Local Content Program and the Executive Order on Local Content.”
The local content policy and the Executive Orders came in to promote domestication of technology, using indigenous capacities and resources and to encourage patronage of locally–produced ICT products and services. This initiative is expected to lead to the development of skills in the country and lay the foundation for local production of critical components such as software, which is farmed out for import.
Implementation is key
Policies similar to the Executive Orders being touted are not new in the country but implementation has always been the problem. Indeed, the Federal Government at a point, through the former Secretary to the Government of the Federation, Chief Ufot Ekaette, wrote a letter with Ref No SGF/OP/1/S.3/VII/795, to head of civil service commission, ministries, departments and agencies (MDAs) of government on the need to patronise made in Nigeria products, including procurement of locally assembled computers and locally developed software.
Unfortunately, that was never implemented. Currently, NITDA is also battling with the MDAs over its new directive that they should seek approval from the ICT regulator before embarking on any IT project, with a view to weighing local options for such projects.
According to the Chief Executive Officer of Programmos Software, most of what Nigeria has had in terms of ICT local content policies are mere political statements that are never implemented.
“Most of the time, we are quick to make those kinds of policy statements but we actually don’t have what it takes to implement the policies. Many past governments, ministers had ventured into this but I think we have failed government institutions in Nigeria and these actually have failed the country.
“We would have been better than we are if government policy statements are being implemented the right ways they were thought of before now. It is easy for a minister to say he is getting MDAs to use local software, but then, it is not easy for him to act when the opposite is being done by the MDAs. Nobody enforces it when somebody has done contrary to the government’s policy statement” he said.
Quality as target
With policies and implementation in place, Nigeria may still not make any headway with local content in ICT without quality local products and services up to the foreign standards that Nigerians are used to. This is why local Original Equipment Manufacturers (OEMs) are encouraged to always meet international standards.
According to Amos, the reason many Nigerians would go for foreign phones or computers, when there are locally produced ones, is because they believe the foreign ones are of better quality. The Programmos boss, however, canvassed a synergy between Nigerian technology companies and foreign players to be able to get foreign exposures that will also impact on their local products.
“The Nigeria ICT industry should be coordinated in a manner that they can actually identify those so called big hub players, let’s say from Asia, US, and Europe, if the industry could position itself in a manner that players in Nigeria can offer from a network of professional services from these key hub players, they would be able to enjoy international exposure.
These include opportunities of best practice in their operations and business relations in Nigeria and by that you realise that these kind of footprints would encourage that if I have a foreign company, say from India, wishing to do one business or the other in Nigeria, such company would obviously be pointed to at least one or two local companies before that business can be done,” he suggested.
Beyond consumption of ICT products and services, Nigeria needs to establish herself as a technology nation and the road to that, according to experts, begins from government by first creating the enabling environment for local businesses to thrive.
Again, it is believed that if government, as the biggest spender in the economy, decides to patronise local ICTs alone, then the local industry will in no time spring up and compete favourably with their foreign counterparts. It goes without saying that serious implementation of existing policies on local contents would play a major role driving local content development in the ICT industry.
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text:
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domain: travel


text:
Robert mccrum reflects on his 100 greatest nonfiction books list the the american novelist's early essays provide the quintessential commentary on the 1960s an optimistic bestseller, in which jfk's favoured economist. Our favorite non-fiction books of 2017 (so far) vary widely in format, tone and content, from scaachi koul's humorous personal essays in one. Books shelved as creative-nonfiction: me talk pretty one day by david sedaris, the art of the personal essay: an anthology from the classical era to the.
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domain: literature


I had to review this film for its title alone! But it’s also a great movie, well worth 2 hours of your time (it’s just been released on Blu-ray). Based on the eponymous novella by Thomas Tryon – the actor-turned-author of The Other – this ode to Hollywood’s golden age reunited writer-director Billy Wilder and star William Holden, recalling their classic film noir, Sunset Boulevard. Once again Holden narrates a tale of a faded movie goddess, though at least not from the bottom of a swimming pool but, instead, from her funeral.
The following review is offered as part of the Tuesday’s Overlooked Film meme hosted by Todd Mason over at his fab Sweet Freedom blog.
“Her mirror was her only intimate, and she wanted its reflection to be the single most important statement she cared to make.”
Both the book and the movie begin with Fedora’s death and are narrated by Barry Detweiller, who had known her briefly in the 1940s and renewed the acquaintance shortly before she died. But in most other respects the two are very different. The novella (more of a short novel really at 100 pages of not the largest type) is the first of four loosely interlinked stories originally published in Tryon’s 1976 book, Crowned Heads, which was quickly snapped up by Universal in a deal said to be worth over $500,000 per novella. The project was ultimately put into turnaround by the studio (and the other novellas remain unfilmed), so Wilder ended up making the film in Germany having had to rather ignominiously hock the property to many potential investors. This inevitably fed into the final film’s rather jaundiced depiction of latter-day moviemaking.
Detweiller: “It’s a whole different business now … The kids with beards have taken over! They don’t need a script – just give ’em a hand-held camera with a zoom lens.”
TV reporter Marion Walker is after a scoop on the death of the celebrated Russian actress who took the secret of her seemingly eternal youth (she started in the silent era and was still starring in movies 40 years later, seemingly unchanged) to her grave. She asks old-time journalist Detweiller to help her out. He invites her over and tells her right away that he will spill all the beans about Fedora that he knows but that she won’t believe him and that anyway he is publishing his own biography so he won’t let her use it – is she still interested to hear his tale? This structure sets us up for a debunking of popular myths about Hollywood and a star clearly modelled on the liked of Garbo, Louise Brooks and Marlena Dietrich while its ‘Scheherazade’ structure (Detweiller will narrate the rest of the novella and concludes with a long, long section in which he reads from one of his books to a seemingly inattentive listener) invites us to take a very large pinch of salt in the telling of a very tall take indeed.
“You won’t believe it all even though my facts are unassailable. You’ll be flattered, because I have never told another person. And you’ll be very angry, because you can’t use it.”
Detweiller first met Fedora at the Louvre after his discharge at the end of the War. He finds her haughty and intelligent, utterly irresistible and yet remote and superior, a veteran of the silent era completely unmarked by the passage of time, due it is rumoured to the efforts of the shady Dr Vando, who runs a clinic in Switzerland. A decade later Fedora comes out of retirement and the world is once again astonished by her unmatched beauty. After 10 years reports of problems on set make her uninsurable and she finally retires for good. Detweiller tracks down her life-long friend, the Countess Sobryanski, to a small Greek island and discovers that Fedora is visiting – but is she in fact a prisoner? He attempts to find out, precipitating the tragic unravelling of a complex conspiracy.
Detweiller: “They had done a good job on her considering the messy way her life had ended”
Tryon’s book is a bit of a Roman à clef, its stories recalling real-life circumstances and rumours about such stars as Ramon Novarro and Clifton Webb. Fedora’s is a fictional story, though Tryon supports it with historical footnotes (some genuine, some not) and is stuffed with movie lore – but like the other stories in the book, it was inspired by a bizarre real-life claim that probably only hardened film buffs might know about. It came about during the divorce proceedings of former silent era actress, Corinne Griffith (you can read about her amazing life here). It would be a huge spoiler to give the details of what happened to her in 1966, but you can read about it here.
The screenplay by Billy Wilder and I.A.L. Diamond takes the premise and main characters but reshapes and expands the material substantially. While Tryon’s novella’s is all about the surprise finish, the film has its big reveal at the halfway mark, turning the story away from mystery and more towards a tragic character piece. The film opens very cleverly with a sequence that may be a clip from a movie or a real event – Fedora had previously shot an adaptation of Anna Karenina and what we are presented here is a recreation from the suicide climax that could be from the 1935 version starring Greta Garbo – except here its Martha Keller in the title role. After throwing herself in front of a steam train we freeze frame – did we just see a clip? Well, no, and now we segue to a TV report on the great actress’ death – but is this what really happened or a recreation? Well, a bit of both, as movie lore and ‘so-called’ real-life are well and truly bound together here.
In the film Detweiller is a down on his luck independent film producer hoping to get Fedora out of retirement to star in a new version of … you guessed it, Anna Karenina. But the woman he finds seems frightened and being held against her will by the Countess and Vando (a great performance by José Ferrer), a character long dead in the novella. We then get a flashback to old Hollywood when Fedora and Detweiller had a brief fling. Keller plays Fedora throughout but, ironically given the age-related theme of the film, Holden (who sadly was very much the worse for wear, prematurely aged by decades of hard drinking) is played as a young man by Stephen Boyd. This flashback within a flashback is the closest the film comes to Tryon’s somewhat oneiric storytelling, but otherwise this is a story in which the present is perpetually contrasted with the past as the various pieces of the puzzle inexorably fall into a series of concatenated flashbacks narrated by several of the mourners at the funeral. Like Sunset Boulevard, Wilder casts real-life celebrities as themselves – Henry Fonda and Michael York – which does disrupt the somewhat fragile facade of the the story’s reality, but in a story all about artifice and appearances, this is a daring move that does make sense.
Fedora: “Say ‘Hello’ to all my friends in Hollywood … those that are still around”
Along with Holden, Wilder was also reunited with Miklos Rozsa, who had already scored some of the director’s best-known films, including two mysteries: Double Indemnity (1944) and The Private Life of Sherlock Holmes (1970). If the results here are not as memorable as these previous films, this is probably because the central conceit, when revealed, is admittedly as likely to cause as many titters as gasps; and the inevitable but actually unfair comparisons with Sunset Boulevard, which is actually a rather different sort of film. This is a much mellower enterprise from Wilder – but then, the tough young turk of the 1950 movie was now very much part of the old guard he had previously poked ironic sticks at. It’s great to see him and Holden back together again and if the comparison with their previous films (including Stalag 17 and Sabrina) doesn’t always do the new film any favours, it does give it a poignancy and very real sense of vanished romance that few films about the glory days of the studio system could really match. This all comes wrapped up in a story that doesn’t shirk from showing the at times terrifying price can be paid in the service of Art and Beauty.
DVD Availability: Long unavailable, this film has now been released in a restored edition on Blu-ray and DVD in Europe and the US – I have the German Blu-ray edition that presents the feature ia a completely English-friendly fashion though the new 90-minute making-of documentary produced by Robert Fischer has forced subtitles (except when interviewees speak German, at which point you’re on your own …). The US edition does not include the documentary, which is a real shame.
Director: Billy Wilder
Producer: Billy Wilder
Screenplay: Billy Wilder and I.A.L. Diamond
Cinematography: Gerry Fisher
Art Direction: Alexandre Trauner
Music: Miklos Rozsa
Cast: William Holden, Marthe Keller, José Ferrer, Hildegard Knef, Mario Adorf, Frances Sternhagen, Henry Fonda (as himself), Michael York (as himself)


text:
Efficacy and safety of chemopreventive agents on colorectal cancer incidence and mortality: systematic review and network meta-analysis
Received 14 May 2018
Accepted for publication 9 July 2018
Published 10 October 2018 Volume 2018:10 Pages 1433—1445
Checked for plagiarism Yes
Review by Single anonymous peer review
Peer reviewer comments 4
Editor who approved publication: Professor Henrik Toft Sørensen
Sajesh K Veettil,1 Peerawat Jinatongthai,2,3 Surakit Nathisuwan,4 Nattawat Teerawattanapong,2,3 Siew Mooi Ching,5,6 Kean Ghee Lim,7 Surasak Saokaew,3,8–10 Pochamana Phisalprapa,11 Christopher M Reid,12,13 Nathorn Chaiyakunapruk3,9,14,15
1Department of Pharmacy Practice, School of Pharmacy, International Medical University, Kuala Lumpur, Malaysia; 2Division of Pharmacy Practice, Faculty of Pharmaceutical Sciences, Ubon Ratchathani University, Ubon Ratchathani, Thailand; 3School of Pharmacy, Monash University Malaysia, Subang Jaya, Malaysia; 4Clinical Pharmacy Division, Department of Pharmacy, Faculty of Pharmacy, Mahidol University, Bangkok, Thailand; 5Department of Family Medicine, Faculty of Medicine and Health Sciences, Universiti Putra Malaysia, Serdang, Malaysia; 6Malaysian Research Institute on Ageing, Universiti Putra Malaysia, Serdang, Malaysia; 7Clinical School, Department of Surgery, International Medical University, Seremban, Malaysia; 8Center of Health Outcomes Research and Therapeutic Safety (Cohorts), School of Pharmaceutical Sciences, University of Phayao, Phayao, Thailand; 9Center of Pharmaceutical Outcomes Research, Department of Pharmacy Practice, Faculty of Pharmaceutical Sciences, Naresuan University, Phitsanulok, Thailand; 10Unit of Excellence on Herbal Medicine, School of Pharmaceutical Sciences, University of Phayao, Phayao, Thailand; 11Division of Ambulatory Medicine, Department of Medicine, Faculty of Medicine Siriraj Hospital, Mahidol University, Bangkok, Thailand; 12School of Epidemiology and Preventive Medicine, Monash University, Melbourne, VIC, Australia; 13School of Public Health, Curtin University, Perth WA, Australia; 14School of Pharmacy, University of Wisconsin, Madison, WI, USA; 15Asian Centre for Evidence Synthesis in Population, Implementation and Clinical Outcomes (PICO), Health and Well-being Cluster, Global Asia in the 21st Century (GA21) Platform, Monash University Malaysia, Subang Jaya, Malaysia
Background: Various interventions have been tested as primary prevention of colorectal cancers (CRC), but comprehensive evidence comparing them is absent. We examined the effects of various chemopreventive agents (CPAs) on CRC incidence and mortality.
Methods: We did a network meta-analysis based on a systematic review of randomized controlled trials (RCTs) that compared at least one CPA (aspirin, antioxidants, folic acid, vitamin B6, vitamin B12, calcium, vitamin D, alone or in combination) to placebo or other CPA in persons without history of CRC. Several databases were searched from inception up to March 2017. Primary outcomes were early and long-term CRC incidence and mortality.
Results: Twenty-one RCTs comprising 281,063 participants, 9 RCTS comprising 160,101 participants, and 7 RCTs comprising 24,001 participants were included in the network meta-analysis for early risk of CRC incidence, long-term risk of CRC incidence and mortality, respectively. For early CRC incidence, no CPAs were found to be effective. For long-term CRC incidence and mortality, aspirin was the only intervention that showed protective effects with potential dose-dependent effects (risk ratio [RR], 0.74 [95% CI, 0.57–0.97] for high-dose [≥325 mg/day] and RR, 0.81 [95% CI, 0.67–0.98] for very-low-dose [≤100 mg/day]). Similar trend was found for mortality (RR, 0.43 [95% CI, 0.23–0.81] for low-dose [>100–325 mg/day] and RR, 0.65 [95% CI, 0.45–0.94] for very-low-dose). However, in net clinical benefit analysis, when combining risk estimates on mortality from CRC, cardiovascular disease, and pooled risk estimates of major gastrointestinal bleeding, low-dose aspirin provided the highest net survival gain (%) of 1.736 [95% CI, 1.010–2.434].
Conclusion: Aspirin at the dose range of 75–325 mg/day is a safe and effective primary prevention for long-term CRC among people at average risk. None of the other CPAs were found to be effective. There may potentially be differential effects among various doses of aspirin that needs further investigation.
Keywords: colorectal cancer, primary chemoprevention, chemopreventive agents, aspirin, network meta-analysis, net clinical benefit analysis
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domain: medical


text:
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domain: design


text:
Grateful Dead Live at Pine Knob Music Theater on 1991-06-19
- Live concert
- Grateful Dead
- DeadLists Project
FOB AKG C460B/CK61 (ORTF)> Mike Grace Early Preamp> Dat Master (Casio DA-7/48k); Transfer : Dat (Sony R500)> Behringer UltraMatch SRC2000> SEK'D Prodif Plus> Samplitude v7.02 Professional> SHN; Recorded By JC Mahoney, Dan O'Neill; Transferred By Charlie Miller
- 2005-06-23 13:37:15
- FOB AKG 460/CK61 (ORTF) > Mike Grace Early Preamp > Dat Master (Casio DA-7/48k) > Dat (Sony R500) > Behringer UltraMatch SRC2000 > SEK'D Prodif Plus > Samplitude v7.02 Professional > SHN
- Clarkston, MI
- Audience: AKG 461's
- Taped by
- JC Mahoney, Dan O'Neill
- Transferred by
- Charlie Miller
- Pine Knob Music Theater
Subject: Bass Great Lesh Philling
This is the weirdest/coolest "Victim" I've ever heard. Reminds me of a looong time ago. Real nice "feel" to the entire show.
Five and a half!
Subject: The bus came by and I got on...
First show for me and it couldn't have come at a better venue. Living across the border I was stoked to hear the Dead were coming to my "home" venue and I was finally going to see what all the buzz was about. From the moment I got in the lot there was nothing left to do but smile, smile, smile.
A wicked Scarlet/Fire at my first show couldn't have been any better. Wonderful memories of this fantastic evening at The Knob !!!
Subject: Bright and aware
Uploaded by Jonathan Aizen on


joined the collection in January 2003. It is missing the rocker arm and
mount, ignitor, govenor, pushrod, big end cap, and one main cap. This will
be another interesting project....
The 4hp at home in my yard
The engine has three different engine numbers on it. Weird!
Views of the crankcase. Note the missing bearing caps.
This is the original mount for the flywheels driven magneto.
The head. Note the missing rocker and bracket and the bent valve.
The carby is in good condition but is missing the choke plate.
All that is left of the govenor bracket. It is broken in exactly the same place as the one on my 12hp was.


Being a developing country, Pakistan is undergoing a shift towards a modern lifestyle. This modernization has made room for many growing industries to boom by producing high-quality goods to support the changing lifestyles.
Gree – one of the world’s top manufacturers of high-quality inverter air conditioners, refrigerators, water dispensers, and other home appliances – has seen a sudden upsurge in the demand and production of its inverter air conditioners due to its exceptional performance and value.
Made with the latest technology and sustainability in mind, Gree’s advanced and environment-friendly appliances have been facilitating its consumers for over three decades now. What makes Gree stand out from the crowd, apart from its extraordinary performance, is the remarkable price range of its products.
Refusing to compromise on quality, Gree has managed to produce even better versions of its inverter AC than the previous ones at competitive pricing. With the heat of the summer season beating down at full blast, there has been an upsurge in the inverter AC prices but Gree’s state-of-the-art technology allows its consumers to save more energy at a lower cost.
Gree’s inverter air conditioners come in three types:
2-Ton Inverter AC
Designed for bigger rooms and apartments, the 2-ton inverter AC comes with a reasonable price tag and wider specifications. Gree 2-ton inverter AC comes in an elegant finish of white and champagne with a curved design to meet the aesthetic beauty of the interior of your room.
It is the first European compliant heat and cool AC with a powerful latest generation inverter which saves electricity up to 60% due to low start-up voltage which is as low as 150V.
The AC’s features such as I-feel, power factor correction, and precise temperature control not only help reduce the power consumption but also help in faster cooling and heating.
It smartly detects the surrounding temperature through remote control and adjusts the heating and cooling start-up accordingly, saving tons of energy and electricity. Gree’s 2-ton inverter AC is by far the company’s hottest selling product.
1.5-Ton Inverter AC
A perfect fit for medium-sized rooms, the 1.5-ton inverter AC comes equipped with the G10 latest technology which saves electricity up to 60%.
The aesthetic curved design and elegant glossy finish enhance its overall look. The 1.5-ton inverter AC comes with a warranty of 10 years for the compressor, two years for the evaporator and condenser, and a 1-year warranty for the parts and services.
1-Ton Inverter AC
The 1-ton inverter AC by Gree comes at an affordable price with no compromise on its performance. It has an up-to-date system for fast cooling and heating with precise temperature control. Low power consumption with low noise performance makes it an ideal choice for small rooms.
Moreover, it has a child lock feature to ensure the safety of your family and your inverter AC as well. In addition to all this, Gree offers the best before purchase and after-sales services with a warranty for compressor and other parts and services.
With more than three decades in the market, Gree has established a reputation built on trust and quality. As one of the largest manufacturers of air conditioners in the world, Gree is committed to designing the most advanced, eco-friendly systems on the planet.
The company’s advanced technology and smart systems with a wide product range fit well with every consumer’s needs, providing them exactly with what they need to beat the heat while keeping in line with their budget.
poor article, no technical details provided


text:
Provence Chic - Wen Long & Grace
Updated on 29 November 2017, Singapore
Theme : Provence Chic Concept, Florals & Styling : Amperian Photography : Eggs Benedict Chan Venue : St Andrew's Cathedral, Singapore Gown : Lacebridge Wedding Hair & Make Up : Jenny from Autelier Makeup Catering : Megu Weddings The gorgeous lavender, rustic details and sophisticated atmosphere of Provence is enough to make even the most unflappable couples swoon! If you can’t get married in Provence, why not have it come to you? That’s what our couple, Wen Long & Grace did with their lavender country wedding at the St Andrew’s Cathedral! We incorporated lavender and wheat into the various areas of styling such as the reception area, the tablescape styling and even the bridal car décor! The bridesmaid’s bouquet was a simple mix of lavender and wheat while the bridal bouquet was arranged in a mix of lavender stems amongst other vibrant flowers to make a full bouquet that would stand out in the crowd. The Kombi was transformed as a photo booth backdrop where we added touches of handmade props to spruce it up. The buffet styling was done by the Megu Weddings team to match the overall rustic theme of the wedding. As the herb that symbolizes devotion, joy and luck, lavender is perfect for weddings and celebrations. The best part – you have your venue smelling good!
vendors involved in this project:
other projects you may like
Or you may want to browse Wedding Planning in Singapore


The implementation of United Nations sanctions
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- European Union
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Database of the CAHDI "The implementation of United Nations sanctions" - contribution of European Union - 01/03/2006
Database of the CAHDI "The implementation of United Nations sanctions" - contribution of European Union - 01/03/2006
1. Which are the procedures for the incorporation of Security Council Resolutions imposing sanctions into the internal legal order of your State? Are they incorporated through legislation, regulations or in any other way? Has the implementation given rise to any constitutional or other legal problems at national level? Is there any relevant case-law?(March 2006)
The EU as a rule implements Security Council resolutions imposing sanctions based on Chapter VII of the UN Charter. In June 2004, the Council adopted the Basic Principles on the Use of Restrictive Measures (Sanctions) [Council document 10198/1/04 Rev 1] stating, inter alia:
“We will ensure full, effective and timely implementation by the European Union of measures agreed by the UN Security Council.”
According to the Guidelines on Implementation and Evaluation of Restrictive Measures (Sanctions) in the Framework of EU Common Foreign and Security Policy (CFSP) of December 2003 the EU aims to have the necessary implementing legislation in place without delay.
The procedure usually involves two steps. First, under Article 15 EU Treaty, the Council adopts a Common Position. Second, depending on the substance matter, the implementation of this Common Position is either carried out at Community or at national level.
Measures interrupting or reducing, in part or completely, economic relations with one or more third countries are in nearly all cases implemented by means of a Community Regulation based on Articles 60 and 301 of the Treaty establishing the European Community. Such Regulations have general application and precedence over conflicting provisions of the law of the Member States. They are binding in their entirety and directly applicable in all Member States.
Other measures generally included in a Council Common Position falling within Member State competence, such as arms embargos and travel restrictions, are implemented by the Member States. Under Article 15 second sentence EU Treaty, Member States shall ensure that their national measures conform to the common CFSP position, leaving a choice of form to the Member States.
Implementation of UN Security Council resolutions by means of a Community Regulation gave rise to several cases before the European Court of Justice (ECJ) and/or the Court of First Instance (CFI).
As regards the UN embargo on trade with Iraq (SC Resolution 661 of 6 August 1990), the CFI rejected an application under Article 288 (ex 215) paragraph 2 EC by the German company Dorsch Consult for compensation for the damage allegedly suffered as a result of the adoption of the implementing Council Regulation (EEC) No. 2340/90 of 8 August 1990. The CFI [CFI, Judgment of 28 April 1998, Case T-182/95 – Dorsch Consult v. Council and Commission, ECR 1998 II-667], whose judgment was upheld by the ECJ on appeal [ECJ, Jugdment of 15 June 2000, Case C-237/98 P – Dorsch Consult v. Council and Commission, ECR 2000 I-4941], elaborated on the conditions of non-contractual liability of the Community. It rejected the application because the applicant had not demonstrated to have suffered actual and certain damage.
Council Regulation No. 1432/1992 of 1 June 1992 implementing the UN trade embargo against Serbia and Montenegro under Security Council Resolution 757 of 30 May 1992 gave rise to two cases. In Centro Com, the ECJ held that this Regulation had established a system of mutual confidence between Member States as regards the emission of certificates allowing the transport of goods that had been qualified by the UN Committee on Sanctions as serving humanitarian or medical purposes in Serbia and Montenegro. Accordingly, a Member State was prevented under Community law to give instructions to its banks not to release Yugoslav financial means from its accounts that could be used for paying such imports from another Member State to Serbia and Montenegro [ECJ, Judgment of 14 January 1997, Case C-124/95 – Centro Com, ECR 1997 I-114]. The other case – Aulinger - is currently pending before the ECJ. The Court is asked to determine whether Article 1 (d) of the said regulation prohibited the so-called “broken traffic”, i.e. the commercial transport of persons from the EU to the border of Serbia and Montenegro by an EU company, while another company located in Serbia and Montenegro would ensure the transport of these persons from the border to a destination inside the latter’s territory [Preliminary Reference by the Oberlandesgericht Köln of 21 August 2003, Case C-371/03, Aulinger ./. Federal Republic of Germany, pending.]
UN Security Council Resolution 820 of 17 April 1993, tightening the above mentioned embargo against Serbia and Montenegro, was implemented by Council Regulation No. 990/1993 of 26 April 1993. Upon reference by an Irish Court, the ECJ interpreted in Bosphorus Article 8 of this Regulation in the light of the above mentioned UNSC resolution as covering airplanes that are owned by a company located in Serbia and Montenegro, even if they are leased to a non-related third company situated outside Serbia and Montenegro for four years [ECJ, Judgment of 30 July 1996, Case C-84/95 – Bosphorus v. Minister for Transport, Energy and Communications, ECR 1996, I-3953]. In Ebony Maritime, a tanker flying the Maltese flag who had taken course towards the coastline of Montenegro was stopped from doing so by NATO/WEU forces on the High Sea and handed over to the Italian authorities in Brindisi. The latter ordered the vessel to be impounded and the cargo to be confiscated. Upon reference the ECJ held that under Article 9 of Regulation No. 990/993 the competent authorities of a Member State must detain all vessels suspected of having breached sanctions imposed against the Federal Republic of Yugoslavia, even if they are flying the flag of a non-member country, belong to non-Community nationals or companies, or if the alleged breach of sanctions occurred outside Community. Likewise, national authorities may, under the second paragraph of Article 10 of the Regulation, confiscate those vessels and their cargoes once the infringement has been established. Articles 9 and 10 of the Regulation were found to be applicable once a vessel is within the territory of the Member Staten and thus under the territorial jurisdiction of that State, even if the alleged infringement occurred outside its territory [ECJ, Jugment of 27 February 1997, Case C-177/95 – Ebony Maritime SA and Loten Navigation Co. Ltd v Prefetto della Provincia di Brindisi and others, ECR 1997 I-1111].
Finally, some cases concerning Regulation (EC) No 881/2002 on financial sanctions imposing certain specific restrictive measures directed against certain persons and entities associated with Usama bin Laden, the Al-Qaida network and the Taliban, Regulation (EC) n° 2580/2001 on specific measures directed against certain persons and entities with a view to combating terrorism, and Regulation (EC) No 872/2004 on financial sanctions targeting former President Taylor of Liberia and associated persons that implement relevant UN Security Council resolutions are pending before the Court of First Instance of the European Communities (CFI) (see also answer to question 7).
2. Does the choice depend on the content and the legal nature of the Security Council Resolution?Legally binding Security Council decisions, adopted under Chapter VII of the UN Charter, are implemented in the European Union due to their obligatory legal nature. The choice of procedure and form depends on the nature of the measure that must be taken (cf also answer to question 1).
3. When sanctions are imposed for a fixed period of time which is not renewed, are they tacitly repealed within your domestic legal order or is any normative action required?As a rule, EU Council Common Positions and Regulations cease to apply either on the date of expiration provided therein, without needing any further decision, or, in the absence of an expiry date, when they are repealed. The 2003 Guidelines state in this regard:
“A specific situation exists, when the Security Council decides on measures which expire by a particular date. In such a situation, correct implementation of the UN measures requires immediate legislative action, if the measures are renewed just before the expiration date. In order to prevent expiration of the restrictive measures in cases where renewal is called for, the Council should not copy the expiration date in the implementing Regulation.”
Accordingly, the Regulations will normally remain in force and require normative action to be repealed, if the Security Council fails to renew them.
4. When a Security Council Resolution imposing an export embargo provides for exceptions while not establishing a committee to authorise such exceptions, does the incorporating act appoint a national authority, which is competent to authorise export?The Regulations imposing sanctions include lists of competent authorities which are empowered to grant exemptions. Whereas certain implementing powers are granted to the Commission, it is common practice that the Regulations provide that authorities of the Member States are competent to take decisions on requests for exemptions.
5. Are Sanctions Committee decisions specifying Security Council sanctions or setting conditions for their activation incorporated into domestic law?Where the UN Security Council resolution provides that certain decisions can only be taken by a UN Sanctions Committee, the Regulations are drafted accordingly. For example, the Commission is empowered to adopt the measures necessary to implement designations of persons, groups and entities made by the Al Qaeda and Taliban Sanctions Committee, in order to have funds and assets frozen in accordance with Regulation (EC) No 881/2002.
If exemptions must be granted by a UN Sanctions Committee, the Regulations stipulate that requests must be sent to the competent authorities, which will then take the matter to the Sanctions Committee and inform the applicant of the decision. In order to provide the clarity that is needed, any conditions for granting exemptions laid down in the UN Security Council resolution are included in the Regulation.
6. Have there been cases where the act incorporating sanctions in the domestic legal order was challenged in court for being in violation of human rights? For example, have national courts assumed jurisdiction in cases where sanctions are challenged by individuals affected by sanctions: a. if implemented through EU regulations? b. if implemented directly at national level?In the Bosphorus case (see note 1), a company challenged the prohibition contained in Article 8 of Council Regulation No. 990/1993 to use an aircraft leased from a Yugoslav enterprise as violating his right to property and the freedom to pursue a business. The ECJ found [ECJ (note 6), paras. 22-26]:
“22 Any measure imposing sanctions has, by definition, consequences which affect the right to property and the freedom to pursue a trade or business, thereby causing harm to persons who are in no way responsible for the situation which led to the adoption of the sanctions.
23 Moreover, the importance of the aims pursued by the regulation at issue is such as to justify negative consequences, even of a substantial nature, for some operators.
24 The provisions of Regulation No 990/93 contribute in particular to the implementation at Community level of the sanctions against the Federal Republic of Yugoslavia adopted, and later strengthened, by several resolutions of the Security Council of the United Nations. The third recital in the preamble to Regulation No 990/93 states that "the prolonged direct and indirect activities of the Federal Republic of Yugoslavia (Serbia and Montenegro) in, and with regard to, the Republic of Bosnia-Herzegovina are the main cause for the dramatic developments in the Republic of Bosnia-Herzegovina"; the fourth recital states that "a continuation of these activities will lead to further unacceptable loss of human life and material damage and to a further breach of international peace and security in the region"; and the seventh recital states that "the Bosnian Serb party has hitherto not accepted, in full, the peace plan of the International Conference on the Former Yugoslavia in spite of appeals thereto by the Security Council".
25 It is in the light of those circumstances that the aim pursued by the sanctions assumes especial importance, which is, in particular, in terms of Regulation No 990/93 and more especially the eighth recital in the preamble thereto, to dissuade the Federal Republic of Yugoslavia from "further violating the integrity and security of the Republic of Bosnia-Herzegovina and to induce the Bosnian Serb party to cooperate in the restoration of peace in this Republic".
26 As compared with an objective of general interest so fundamental for the international community, which consists in putting an end to the state of war in the region and to the massive violations of human rights and humanitarian international law in the Republic of Bosnia-Herzegovina, the impounding of the aircraft in question, which is owned by an undertaking based in or operating from the Federal Republic of Yugoslavia, cannot be regarded as inappropriate or disproportionate”.
The President of the Court of Justice [Order of the President of the Court of 13 November 2000, Case C-317/00 P – Invest Import and Export GmbH and Invest Commerce v. Commission of the European Communities, ECR 2000 I-9541] followed a similar line of reasoning in its order rejecting an appeal of the “Invest Import GmbH” against an order a Chamber President of the CFI [Order of the President of the Second Chamber of the Court of First Instance of 2 August 2000, Case T-189/00 R – Invest Import and Export GmbH and Invest Commerce v. Commission of the European Communities, ECR 2000 II-2993] in the context of the Yugoslav financial embargo (Regulations No. 1294/99 and No. 723/2000). For cases on UN sanctions directed against individuals which are implemented on the European level see answer to question No. 7.