text:
Contact the College of Education
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Joy Gaston Gayles
Program Coordinator & Professor of Higher Education
Poe Hall 300D
joy_gayles@ncsu.edu
Dr. Joy Gaston Gayles is Professor of Higher Education and Program Coordinator in the Department of Educational Leadership, Policy, and Human Development. Recently, she received the Zenobia L. Hikes Woman of Color in the Academy Award for her scholarly contributions, engagement with campus and community, and record of advancing women of color in their pursuit of excellence. She also received a distinguished alumni award from The Ohio State University for exceptional leadership, service, and innovation in higher education. Dr. Gayles is nationally recognized through her service as a member of the National Center for Faculty Development and Diversity (NCFDD), the largest center for faculty development in the country. Dr. Gayles conducts workshops, facilitates webinars, and serves as a faculty coach for the center. She is currently a board member for the Association of the Study of Higher Education (ASHE) and served as Associate Editor for the Journal of Student Affairs Research & Practice (JSARP).
Research Description
Dr. Gayles' research focuses on how college impacts student learning and personal development, primarily student-athletes and women and underrepresented people of color in science, technology, engineering, and mathematics (STEM). These populations face unique challenges to persistence and degree attainment. Dr. Gayles' research is dedicated to better understanding factors that enhance access and student success for these populations and for all college students. Through her scholarly contributions, Dr. Gayles' has established a national reputation as an expert on intercollegiate athletics and women and underrepresented students in STEM. She has edited book volumes on these topics and has been quoted in both television and newspaper media. Her work has been published in some of the top journals in higher education including The Journal of Higher Education, Research in Higher Education, The Journal of College Student Development, and The Journal of Negro Education.
As NCAA tournament tips off, teams at top of brackets in hot water (2017)
Accrediting Organization: Problems at UNC-CH ' a big deal' (2015)
Joy Gayles: UNC Lessons (2015)
Doctor of Philosophy in Educational Administration and Higher Education from The Ohio State University in 2002
Master of Science in Higher Education Administration from Auburn University in 1998
Bachelor of Science in Adapted Physical Education and Kinesiotherapy from Shaw University in 1996
Curriculum Vita 2 9-14
Doctoral: Higher Education
Master: Higher Education Administration
Selected Scholarly Publications
Gayles, J. G. (Ed.). (2018). Critical issues for student athletes: Going behind the invisible wall. New Directions for Student Services, 2018(163). San Francisco, CA: Jossey-Bass.
Gayles, J. G., Crandall, B. E., & Morin, S. (2018). Student-Athletes' sense of belonging: Background characteristics, student involvement, and campus climate. International Journal of Sport & Society, 9(1), 23-28.
Smith, K., & Gayles, J. G. (2018). Girl power: Gendered academic and workplace experiences of college women in engineering. Social Sciences, 7(11), 1-23.
Smith, K. N., & Gayles, J. G. (2017). "Setting up for the next big thing": Undergraduate women Engineering students' post-baccalaureate career decision. Journal of College Student Development, 58(8),1201-1217.
Kelly, B. T., Gayles, J. G., & Williams, C. (2017). Recruitment without retention: A critical case of Black faculty unrest. Journal of Negro Education, 86(3), 305-317.
Gayles, J. G., & Ampaw, F. (2016). To stay or leave: Factors that impact undergraduate women's persistence in science majors. NASPA Journal About Women in Higher Education, 9(2), 133-151.
Gayles, J. G., Kelly, B. T., Grays, S., Zhang, J., Porter, K. (2015). Faculty teaching diversity through difficult dialogues: Stories of challenge and success. Journal of Student Affairs Research and Practice, 52(3), 300-312.
Gayles, J. G. & Ampaw, F. (2014). The impact of college experiences on degree completion in STEM fields at four-year institutions: Does gender matter? Journal of Higher Education, 84(5), 439-468.
Gayles, J. G., Bryant, A. N., & Davis, H. (2012). Civic responsibility and the student athlete: Validating a new conceptual model. Journal of Higher Education, 83(4), 535-557.
Bryant, A. N., Gayles, J. G., & Davis, H. (2012). The relationship between civic behavior and civic values: A conceptual model. Research in Higher Education, 53(1), 76-93.
Gayles, J. G. (Ed.). (2011). Attracting and Retaining Women in STEM. New Directions for Institutional Research, 2011(152). San Francisco, CA: Jossey-Bass.
Kelly, B. T., & Gayles, J. G. (2011).Resistance to racial/ethnic dialogue in graduate preparation programs: Implications for multicultural competence. College Student Affairs Journal, 29(1), 77-87.
Scheuch, K., Hu, S., & Gayles, J. G. (2009). The influences of faculty on undergraduate student participation in research and creative activities. Innovative Higher Education, 34, 173-183.
Gayles, J. G., & Hu, S. H. (2009). The influence of student engagement and sport participation on college outcomes among Division I student athletes. Journal of Higher Education, 80(3),315-333.
Eddy, P. L., & Gayles, J. G. (2008). New faculty on the block: Issues of stress and support. Journal of Human Behavior in the Social Environment, 17(1/2), 89-106.
Hu, S., Scheuch, K., Schwartz, R., Gayles, J. G., & Li, S. (2008). Reinventing undergraduate education: Engaging college students in research and creative activities.San Francisco, CA: Jossey-Bass.
College Impact on Students
College Student Identity-Intersectionality-Holistic Development
College Students Diversity Attitudes and Values
Intercollegiate Athletes & Student Affairs
Multicultural & Indigenous Education
Non-Cognitive Factors
Student Affairs Administration
Students of Color Experience in Higher Education
Underrepresented Populations


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Q: How to make XML get escaped in HTMLLayout of logback? I'm using logback (with slf4j) to do the logging, and I've got many XML content to be logged in both text files and HTML files (with HTMLLayout). However, logback just inserts the raw XML in the  tags for the HTMLLayout, without any escaping or
 processing.
Here is the snippet of my logback.xml:
<appender name="ALL" class="ch.qos.logback.core.rolling.RollingFileAppender">
<rollingPolicy class="ch.qos.logback.core.rolling.TimeBasedRollingPolicy">
  <FileNamePattern>${DIR_ALL}/%d{yyyy-MM-dd}.%i.html</FileNamePattern>
  <TimeBasedFileNamingAndTriggeringPolicy class="ch.qos.logback.core.rolling.SizeAndTimeBasedFNATP">
    <MaxFileSize>500KB</MaxFileSize>
  </TimeBasedFileNamingAndTriggeringPolicy>
</rollingPolicy>
<layout class="ch.qos.logback.classic.html.HTMLLayout">
  <pattern>%d{HH:mm:ss.SSS}%logger{1}%msg</pattern>
  <cssBuilder class="ch.qos.logback.classic.html.UrlCssBuilder">
    <url>${CSS_HREF}</url>
  </cssBuilder>
  <title>Logs (ALL)</title>
</layout>

And the following is what I got:
(DemoCall) parsing response failed. Details:
<call><action>getmessage</action></call>

What I'm expecting:
(DemoCall) parsing response failed. Details:
<call><action>getmessage</action></call>

Or better wrap the above message with a
 tag.
Do I need to extend the HTMLLayout to archive that? Or is it my job to do a StringEscapeUtils.escapeHTML(msg) for each log statement (I'm not going to do that, since there also is a file appender for which the escaping is not needed).
Thanks!

A: OK. It seems that I must do it myself: extend the HTMLLayout from logback and handle the escaping thing there.
Please check line 61 of the code at http://gist.github.com/284628
EDIT
Of course you must use the new extended HTMLLyout then to replace the original one in logback.xml where <layout class=...>

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text:
Abbotts Ann
Breamore
Woodgreen
We pride ourselves on our
Southampton removals
If you are moving house, looking to start a new life in Southampton or retiring to Southampton, we can help you.
Business Est 1973
on Trust Pilot
British Association
of Movers
Removals Southampton
The historic city of Southampton is Hampshire's largest city. It is not only a cruise stop or shopping location it offers so much more. From a diverse nightlife, varied leisure activities and heritage attractions to the lively waterfront location – we can see why you might be relocating to the Southampton area.
We have helped moved many of our customers to and from Hampshire and Southampton is a popular place for relocation. With multiple branches all over South West, and one near Southampton in Salisbury, we are well-experienced and well-equipped to help with moves throughout the Hampshire area and further afield.
Acting as major port and cruise departure destination, and the city has easy access to nearby Portsmouth and Brighton.
Southampton is full of history and noted for its association with the RMS Titanic departing from the city and the Spitfire which was built and tested in Southampton. It was also one of the departure points for D-Day. The area has been inhabited since the stone age, but it was the Anglo-Saxons who first made a large settlement there, and named it Hamwic, from which Hampshire gets its name.
With all of this history on its doorstep you might be looking for a friendly and reliable removals company to help assist with your move in the Southampton area.
Why choose Armishaws Removals
Armishaws Removals provides removal and relocation services to all areas within Southampton and are able to help tailor a service to fit your requirements. We are the best local choice, with an attentive and professional team able to provide a great value service.
Armishaws always work to the highest standards and are proud to have held the BSEN 12522 certificate since 1999.
We take pride in our removals services, and have operated in the Southampton and Hampshire area for over a decade. Our experience and professionalism is second to none, and we are passionate about what we do, and providing a high-quality service at affordable prices. We work to your specifications and requirements to make each and every move as smooth as possible, and we are trusted by professionals and clients, who we have worked with frequently all over the world.
To find out more about how we can help you, and make your removal easier and less stressful, call us for a free quote, and a member of our specialist team will be happy to help you.
For Free Advice and a Quotation call Freephone 0800 917 1015
Southampton has something for everyone and boasts a range of events, and shopping centres to appeal to sports lovers, fashion enthusiasts and music appreciators alike.
The city is home to St Mary's Stadium, home to Southampton FC (or the Saints if you are a regular) where there is always a hub of activity throughout the season. The stadium hosts 19 Premier League games throughout the season and with more than 32,000 fans cheering on Saints, you can be sure of a great atmosphere – no matter what the end result is.
If you are into your shopping then West Quay is the place to go especially if you are a fan of retailers such as John Lewis, Cath Kidston, Superdry, Apple, or other high-end brands with big names. If you fancy yourself king or queen of the flat-pack, Southampton is also home to popular home retailer IKEA which backs on to the shopping centre.
The Mayflower Theatre always has a fantastic programme of shows to delve into and houses a variety of plays and productions throughout the year. Over Christmas, you can attend one of the pantomimes which visitors travel from far and wide to watch. West End productions often tour and show at the Mayflower too!
If you would like to explore some of Southampton's history even further, then there are a number of Museums and Arts and Heritage trails to get stuck into.
Discover the city's maritime history with a visit to SeaCity Museum or take a self-guided tour of the city and explore key locations and memorials connected to Titanic and the ship's staff and passengers. Or why not learn more about the history of aviation in the area with a trip to Solent Sky which tells the tale of the legendary Spitfire which was designed and built in Southampton.
Southampton boasts a jammed packed events programme to guarantee there is something happening all year around. From live music and theatre shows to cultural arts events and pop up shows, there is always a huge range of things going on.
An event not to be missed is the Southampton Mela that takes place in July. It celebrates the city's diverse cultures and communities in Southampton and brings together Bollywood and Bhangra music with Polish dancing and Flamenco – there certainly is something for everyone. Let's not forget the vast range of international food too!
There's also the family friendly 'Common People' festival that takes place every year with well known artists and bands taking to the stage along with more great food and family attractions.
In September the Southampton Boat Show comes to town and at Christmas the city transforms into a winter wonderland when the high street comes alive with its own German inspired Christmas market complete with festive ice rink.
By car, the M27 and M3 all lead to Southampton and navigating around the city is simple. Access to most major sites of interest is available by walking from the city centre. There are many places to park for long durations of time too.
By train, you can get to and from London, Gatwick Airport, Cardiff, Manchester and Brighton all from Southampton. The train services run frequently.
By bus, there are regular services that run to Southampton from nearby towns and cities, and you can get bus service from the train station to the city centre.
By air, you can fly to Southampton airport, which is just a few miles away from the city. From there, you can fly to multiple holiday destinations, and fly in from a range of UK cities.
All these factors mean getting to and from Southampton is very easy.
In Southampton, there are 79 state-run schools including 24 primary schools and 10 secondary schools (2 with sixth-forms), and both the University of Southampton, and Solent University are based in the city. Both Universities together have a student population of over 40,000, and rank highly amongst others in the UK.
There are other schools and Universities nearby in Portsmouth, and Bournemouth (and a little further north is Winchester), so the choice is very vast.
Healthcare in Southampton
With the City spread over 3 main areas, East, West and Central, there are number of practices for you to choose from.
Local GP practices provide a wide range of family health services, including: advice on health problems, prescriptions for medicines examinations and treatment, referrals to other health services and social services vaccinations. If you are central then you might look at Alma Road Surgery, Burgess Road Surgery or Highfield Health all having a central location. To the East and West there are a number of other choices and you can find your nearest practice by entering your address on the on the NHS website.
There are also a number of hospitals in and around Southampton including, Southampton General Hospital, Princess Anne Hospital, Southampton Children's Hospital, Royal South Hants and New Forest Birth Centre. The largest accident & emergency department is based at Southampton General Hospital.
Find out what our customers say...
Armishaws is a family owned removals business and and has been running since 1973. Our removals and relocation services covers all regions within the UK, Northern Ireland, Eire and the Channel Islands.
We pride ourselves on our international removals services. As a result of our international removals experience and expertise, we have established working relationships with many major shipping companies.
Our experience in providing solutions for businesses with their moving, and storage needs will ensure that your business will encounter the least amount of disruption possible. We provide a full range of services to help businesses relocate and store their equipment.
Whether you require long term or short term storage, our secure container storage system will ensure the safety and care of all your personal or business possessions. Whether you personally wish to store items to pass onto family and friends, store your home items while moving abroad or while you are between homes we can help.
Moving House? Why not sign up for our free moving guide?
Our Southampton Removals Services
We provide removals and relocation services to Southampton and its surrounding areas. Our removal services can include:
Totally designing a removals package to suit your needs,
Full wrapping and packing service,
Collection from anywhere – countrywide, and
Any items- no matter how big or small.
Thinking of moving house? Get in touch to request a quote
Want to Discuss Your Move? Call Us On 0800 917 1015

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Before using maintenance tools, it is always important to know your equipment. This course will teach you the basics on how to take care of your compact tractors and mowers. Whether you are a small landowner or a farmer, it is always important to familiarize yourself with your equipment and to know how you can ensure a long life for your mower. When performing any maintenance, safety should always be first!
About the Instructor: Bill Minor has benefitted from his 37 years as a Farmer and Insurance Claims Adjustor, and has found that in his experience a well maintained tractor means a well maintained farm.


text:
Energy Return Wheel: Prototype Bike Tire That Never Goes Flat
By Beth Buczynski on November 1, 2012 in Green Living, Transportation
Sometimes taking something from conventional to green doesn't require space age materials or a fancy interface. Sometimes all it takes to make a product more sustainable is to make sure it lasts, preferably forever. Most of the things we use today, especially electronics, are built to become obsolete–quickly. Today's corporations don't see any profit in things that are built to last, so they build them to break. This sucks up a lot of unnecessary resources and creates a lot of waste.
Some companies, the really innovative ones, don't let the allure of infinite profit cloud their mission to create a high quality product. Britek, a Colorado-based tire maker, is one of those companies. Britek recently filed several patents for the "Energy Return Wheel", an airless tire that's said to not only eliminate flats, but also improve fuel efficiency and performance.
Images via Britek
Most people say, if it's not broke, don't fix it. One could argue that since tires have (more or less) employed the same design for over 100 years, effort would be better spent elsewhere. Good thing Britek founder Brian Russell doesn't listen to those arguments. Want to know how it works? ChopMTB explains: "Instead of air, it uses rubber stretched over a series of rods to provide its cushioning. These rods can be adjusted, changing the tension of the rubber to suit different types of terrain. The 29er rim is made from carbon fiber to keep weight down, and Russell is thinking about adding a thin sidewall to keep mud and trail debris out."
"Although there is no air pressure that riders can adjust, they can instead adjust the rubber-tensioning rods to make the wheels run harder or softer," Gizmag adds. Since there's no air to be let out of the tire, nails, rocks and other previously tire-ending threats are rendered null and void.
Although Britek initially conceived of the tires for cars and trucks, they chose to demonstrate the prototype in a very different way: on the wheels of a mountain bike. Watch it in action below and then tell us: is this brilliant or a bad idea?
2013 Nissan Leaf Very Shortly To Be American Made
Green Lab Raises The Bar With Cradle-To-Cradle Design


Click to save at Ferrari. This store is offering 10% Off w/ Promo Code on Your Next Order at Ferrari (Site-wide) – Expires Soon, redeemable at ferrari.com. Open the promo code by clicking the blue button. The code will be copied to your clipboard so you can use it during checkout at ferrari.com.
Ferrari is currently offering a promo code for Rexbo - Cupón Descuento De 20€ En Toda La Web Rexbo. Válido En Pedidos Superiores a 250€ at Ferrari on their website. Click the blue button to use this discount code. The code will be automatically copied to your clipboard. Just paste your code in the promo code box during checkout on ferrari.com.
CJ Pony Parts is running an offer code for Added Today: 10% Off All Parts at CJ Pony Parts, redeemable at their site. Click the blue button to reveal and copy this discount code. Enter this code in the promo code entry box during checkout at cjponyparts.com. Your discount should be applied.
Would you recommend Ferrari to friends & family?
Ferrari competes in the Auto Manufacturers industry and offers promo codes and coupons for discounts on its website. The company last offered a coupon on April 22, 2019 and currently has 9 active promo codes and coupons on its website. Ferrari may offer additional promotional codes and discount offers on its Facebook, Twitter, or Instagram pages, or via its own homepage.
You've come this far to get your Ferrari discount, but how do you actually redeem your code?
Step 1: First, locate your desired Ferrari promo code here on this page.
Step 2: You'll then click the blue button to get the code. This opens a new tab which will take you to Ferrari's e-commerce site. Best of all, BluePromoCode will automatically copy the offer code to your clipboard, so you don't need to remember it.
Step 4: Now comes the tricky part. As you go through the checkout process, look for a little text box that says "Discount Code" or "Promo Code." This box will usually appear in one of the checkout steps on Ferrari's site. Once you find the promo code box, simply press "CTRL + V" or "Command + V" on your keyboard to paste the discount code into the box, then click "Enter" or "Redeem."
Step 5: Look for a confirmation message from Ferrari saying your discount has been applied to your order. You should see the dollar amount saved in the area where your order is summarized.
Step 6: If the code did not work, it may be because certain items in your cart may be excluded from the discount code you entered. In this case, read the message from Ferrari and try to change your items to match the promo code's requirements. You can also return to this page and locate a different code.


In response to the reading of: Government Agency, Women's Agency: Feminisms, Fertility and Population Control (Robinson 2001) and the film, Something Like a War (Dhanraj 1991), Foucault argues that one of the roles that the nation-state concerns itself with are the biopolitics of its population and its subsequent management (Rose 2007:53). Biopolitics encompasses various strategies to handle population vitality, morbidity and mortality and determine what interventions of knowledge, practices and regimes of authority are necessary, legitimate, desirable and efficacious (Rose 2007:54). The eugenic intention of the state to manage and control population biology buttresses the ethos of biopolitics to administer the health of the body politic and guarantee the integrity and purity of the population (Rose 2007:54). Robinson highlights this notion under the rubric of a war on Indian women and the state attacks on their fertility and sexuality. Implementing a top-down policy approach, the India Government, using monetary incentives such as fraudulent promises for land, housing, money or loans, and, in addition to using propaganda, coerced and sterilized millions of poor and oppressed Indians, mostly in the backward rural areas the sub-continent (Dhanraj 1991). Indira Gandhi justified the approach during an Indian state of emergency (1975 to 1977) stating, "We should not hesitate to take steps which might be described as drastic. Some personal rights have to be kept in abeyance for the human rights of the nation" (Robinson 2001:50). In an attempt to lower its ever-increasing population, India initiated its family planning initiative, which declared war on the sexual bodies of its own citizens, specifically women, whose bodies became the battleground in a war against uncontrolled population growth (Robinson 2001:50). Moreover, by targeting the rural poor, the most heavily oppressed people of caste and ethnicity the perception generated overtones of population purification or as one woman put it, "they're killing the poor, not poverty" (Dhanraj 1991). Both Dhanraj (1991) and Robinson (2001) aptly illustrate the ubiquitous effects of globalized neo-liberalism by framing the campaign in an eerie factory model of mass sterilization of Indian women, where doctors boast of their ability to perform 100 tubal ligations per day, and women, like cattle in factory production, are tagged, numbered and funneled in and out operating rooms in an utmost manner of efficiency (Dhanraj 1991). Moreover, State assigned workers are given the task of recruiting women for sterilization and armed with targets or quotas, which are financially incentivized for successful workers. Those who do not meet their targets experience punitive repercussions by the State, such as having their salaries held back. This dynamic coupled with false promises of money, land and other State incentives for women to surrender to sterilization, only contributes to exacerbating the war on women leaving them further oppressed and marginalized. Furthermore, foreign interests such the U.S. Government, Rockefeller Foundation and the Ford Foundation with interests in control third-world population growth, are financially backing these so-called "family planning" initiatives. Moreover, big global pharmaceuticals companies, viing for the opportunity to assist these vulnerable and desirable virgin populations (untested with generic drugs)—ripe for clinical trials, are exploiting Indian women to develop new chemical sterilization drugs and reproductive suppressors (Dhanraj 1991). Fortunately, with the advent of Internet and its new media, pushback has reached those concerned around the world to advocate for those in India who are without defense.
In contrast to India, China's one child policy (1978) to reduce population growth has been reframed the discourse from one of population control to population quality, thus marketing to the Chinese national imagery that China's backwardness is due to deficiency in the quality of the population (Anagnost 1995:25). The Foucaultian notion that the rationality of the state is to management its population for its own sake and using this rationality, China has adopted a strong pedagogical role issuing books on health, child rearing, law and technology, as well as, adult education programs, local and national competitions that test for this new knowledge (Anagnost 1995:25). Again, the pervasiveness of neo-liberal thought permeates the Chinese state discourse of a consuming body out of balance with is productive capacities—correlating population with economic development and the achievement of xaiokang shenghuo—a state of comfortable well-being as exemplified by life-style television programming highlighting housing, care of the elderly, and especially, commodity fetishism (Anagnost 1995:30). Market driven eugenics with a concentrated emphasis on the idea of "reproduce less in order to reproduce more" (Anagnost 1995: 31). In Foucaultian terms, this eugenic reordering is not one of blood and purity but of downsizing the population and subjecting them to the central educating authority's disciplined ordering of bodies (Anagnost 1995:31). From the old socialist notion of production to reproduction and the goal of 100 percent compliance with both birth and cremation policies with the results tallied in percentage points and birth limitation equated to economic development (Anagnost 1995:32). Birth policy workers, usually women, are utilized by the party to symbolize self-sacrifice—by their willingness to give up health, youth, personal safety and even the sacrifice of their children and economic welfare of their households to the commitment to the national good (Anagnost 1995:33). Once again, women's bodies are sites expropriation and exploitation for the "higher responsibility" of the Party's policies. The neo-liberal notion of equating the body in terms of economic value or in this case a devalued body as excess that consumes the health and vitality of the nation thus necessitating the need to turn consuming bodies into producing bodies (Anagnost 1995:30). Furthermore, China is able to assert the supremacy of quantity by arguing for population quality and with increased quality, China can educate its labour force to become productive for modernization and handle the challenges of a global restructuring of capitalism (Anagnost 1995:30).
In summary, both India and China continue to confront issues of over-population and its overwhelming consumption of state resources. Whether by coerced sterilization or through state discourse of education and reframing the problem, it is the body of the woman that is commoditized and targeted to provide the necessary fodder to carry out the tasks of the state in order to compete and survive in the ever-advancing neo-liberal world where the hegemony of capitalism pervades every nook of society.
Dhanraj, Deepa. 1991. Something Like a War. 52 mins.
Kathryn Robinson. 2001. "Government Agency, Women's Agency: Feminisms, Fertility and Population Control," Borders of being : citizenship, fertility, and sexuality in Asia and the Pacific / Margaret Jolly and Kalpana Ram, eds., Ann Arbor: University of Michigan.


Real Estate Buy Sell Agreement Template real estate buy sell agreement template real estate purchase agreement create a free agreement. real estate buy sell agreement template sample real estate purchase agreement template 14 free documents ideas. real estate buy sell agreement template real estate purchase and sale agreement real estate buy sell printable. real estate buy sell agreement template free purchase and sale agreement form free property sales agreement ideas. real estate buy sell agreement template free house purchase agreement form 14 sample real estate purchase ideas.


The Open Door is a landmark of women's writing in Arabic. Published in 1960, it was very bold for its time in exploring a middle-class Egyptian girl's coming of sexual and political age, in the context of the Egyptian nationalist movement preceding the 1952 revolution. The novel traces the pressures on young women and young men of that time and class as they seek to free themselves of family control and social expectations. Young Layla and her brother become involved in the student activism of the 1940s and early 1950s and in the popular resistance to continued imperialist rule; the story culminates in the 1956 Suez Crisis, when Gamal Abd al-Nasser's nationalization of the Canal led to a British, French, and Israeli invasion. Not only daring in her themes, Latifa al-Zayyat was also bold in her use of colloquial Arabic, and the novel contains some of the liveliest dialogue in modern Arabic literature.
Latifa al-Zayyat (192396) struggled all her life to uphold just causes national integrity, the welfare of the poor, human rights, freedom of expression, and the rejection of all forms of imperialist hegemony. As a professor of English literature at Ain Shams University, her critical output was no less prolific than her creative writing, but the creative, academic, and political strands of her personality were interwoven. The Open Door is generally recognized as her magnum opus.
MARILYN BOOTH received her D.Phil. in Arabic literature and modern Middle East history from St. Antony's College, Oxford. She has translated numerous works of Arabic fiction, most recently The Tiller of Waters by Hoda Barakat (AUC Press 2001).


text:
The 2003 ABC Championship qualification was held in late 2002 and early 2003 with the Gulf region, West Asia, Southeast Asia, East Asia and Middle Asia (Central Asia and South Asia) each conducting tournaments.

Qualification format
The following are eligible to participate:

 The organizing country.
 The five best-placed teams from the previous ABC Championship.
 The two best teams from the sub-zones.

2001 ABC Championship

Qualified teams

* Withdrew,  and  were given a wild card entry into the championship.

East Asia
All the others withdrew, so  and  qualified automatically.

Gulf
The 2002 Gulf Basketball Association Championship is the qualifying tournament for the 2003 ABC Championship. the two best teams excluding Qatar qualifies for 2003 ABC Championship. The tournament was held at Dubai, United Arab Emirates.

Preliminary round

Final

Final standing

Middle Asia
The 2003 Middle Asia Basketball Championship  is the qualifying tournament for the 2003 ABC Championship. the two best teams qualifies for 2003 ABC Championship. The tournament was held at New Delhi, India.

Southeast Asia

The 5th Southeast Asia Basketball Association Championship is the qualifying tournament for the 2003 ABC Championship. the two best teams qualifies for 2003 ABC Championship. The tournament was held at Kuala Lumpur, Malaysia.

Round Robin

West Asia
The 2002/2003 West Asia Basketball Association Championship  is the qualifying tournament for the 2003 ABC Championship. the two best teams qualifies for 2003 ABC Championship. The tournament supposed to be held in 3 stages in Jordan, Iran and Iraq in late 2002 and early 2003 but the last round was cancelled.

External links
FIBA Asia official website

2003
qualification
SEABA Championship
West Asian Basketball Championship

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Faecal sludge is the undigested waste from on-site sanitation systems such as latrines and septic tanks. Improving FSM is a pressing concern for cities where a large proportion of the urban population relies on non-sewered toilets. In most developing country cities, a large proportion of human waste is dumped in rivers or wasteland untreated. We are developing diagnostic tools for analyzing the scale of the problem and potential demand for FSM services, in collaboration with the Water, Engineering and Development Centre (WEDC) at Loughborough University. Data collection will take place in four cities (across Bangladesh, Bolivia, Indonesia, and Sierra Leone) through household surveys, quantitative observation and focus group discussions. The outputs will allow the World Bank to support city authorities to improve FSM services.


text:
Hospitality sector fears Tier 2 pandemic rating
By John Baker @JohnBakerNewsW1 Senior Reporter
THE news that Wiltshire is in Tier Two when lockdown ends on Wednesday is the worst outcome for the county's pubs, hotels, restaurant and cafes, some of whom say it is now going to be a "very tough" winter.
Mark Hodges, landlord of the Tollgate Inn at Holt, said: "It's going to be an absolute nightmare. It's the worst possible tier to be in.
"It means we can only open if people can be served substantial meals. People won't be able to come in just for a drink.
"It's going to be a very tough winter. It has probably destroyed about 90 per cent of our Christmas bookings.
"We won't know exactly how much food to order, because we won't know how many customers we will get.
"We'll have to open because other pubs will and that means we'll have to pay for electric, gas and staff costs.
"No household mixing will be allowed indoors except for business meetings, so, that takes out all the Christmas bookings.
"Groups of up to six people will be allowed to meet outside, and we've put up a heated marquee in the car park where people can sit and eat.
"We'll lose half the drinking trade and a lot of the meals trade because people can't mix households indoors."
In Tier Two, pubs, cafes and restaurants will have to call last orders at 10pm and must close by 11pm.
One Wiltshire hotelier warned that thousands of university students returning home for Christmas could help spread Covid-19 if they go out celebrating.
James Sullivan-Tailyour, owner of The White Swan Hotel in Bradford on Avon, said: "My big fear is all the university students coming back home from Wednesday.
"If the government is going to allow huge swathes of pubs to open on December 3 all the university students are going to go out for one last drink before going home to see their parents and all their old school mates.
"Somehow, they've got to allow the students to get home safely and not to let them go out binge drinking at parties before they go home. I think it's a really big issue and I am wondering how the government is going to manage that."
Neil Glasspool, co-owner of The Rising Sun at Bowden Hill, Lacock, who was offering takeaways to customers during lockdown, said his objective now is to survive until March. "We all have to abide by the government guidelines and keep on surviving until we come out the other side.
"We have only been open for four months out of the last 12, as we only took over the pub on March 13, ten days before the first lockdown. I am confident we can survive but people don't come to a country pub like ours to get drunk."
Chris Whyte, 58, the owner of the 24-bedroomed Beechfield House country house hotel at Beanacre, said he has been working with a skeleton staff of just five staff to survive the lockdown, instead of the 35-40 he normally employs.
"It's all about sentiment and confidence. It's about whether the public want to go out."
Mr Whyte has taken no Christmas party bookings and has decided to close for Christmas and the New Year. "We just can't switch things on and off," he added.
On Tuesday, Wiltshire Council leader Philip Whitehead said he was confident the Government would put the county into the right tier, based on evidence.
Liberal Democrat leader Ian Thorn had called for Wiltshire to be placed in the lowest tier post-lockdown.
In his letter, Cllr Thorn said that the Christmas period would be make or break for local businesses adding that those in hospitality, tourism and retail had taken a big hit from the second lockdown.
Coun Whitehead said he was not prepared to risk public health if Wiltshire were to enter a tier with tighter measures.
He said: "It is essential that at the ending of lockdown we go into the tier that we should go into, given the evidence base at the time. To wish to be in Tier One would not be sensible if it were not the correct tier for our infection rate."
"To ignore the data at the time would be to put the health of the residents of Wiltshire at risk and although you seem to be suggesting this, I am not prepared to do it."
On the impact to businesses, he said he was very aware of the financial impact of this month's measures.
"This would have been significantly worse had the Conservative Government not put together the most generous and creative support package to help businesses to work their way through those difficulties," he said.
"In Wiltshire, we paid out more than £96m to more than 8,000 businesses for the first lockdown and have already paid out more than £590,000 to businesses this time."
Cllr Whitehead agreed with Cllr Thorn that Wiltshire's low rates of infection were down to the efforts made by its residents.
"Wiltshire Council will continue to make all efforts to support Wiltshire residents in minimising the rate of infection across Wiltshire and we expect to follow government guidance to enter the correct tier based entirely on the evidence base for Wiltshire," Cllr Whitehead said.
"The infection rate in recent weeks has been significantly higher than we would have liked, albeit from a low base.
"We have stated publicly that we have continued to be concerned about this and that our expectation would have been to be in a higher tier by now had we not gone into a second lockdown."


The Arc Ocean County Chapter is hosting a Healthcare #hiring event on Tuesday, December 4 and Wednesday, December 5. Job opportunities include (Home Health Aide/Nurses Aide, Program Assistant, Assistant Manager, Program Instructor, In-Home Respite Provider, Group Home Manager, Part Time Drivers, & more...).
This is not easy job if you work only for earning money!
Is a really nice place to work.


suffice to show that P (x) does not depend on x as long as x stays inside r0.
not depend on x, and so the same holds true for the left-hand side.
This completes the proof of Proposition 1.4.6 in the independent case.
are independent modulo low rank polynomials of degree d .
that d 1 and that the claim has already been proven for d − 1.


Lake May Reserve totals approximately 136 acres. The native landscape of the Reserve consists of xeric oak hammock and a mix of upland scrub, pine and hardwood forested areas. The property also features Lake May, a twenty-acre lake, along with the associated wetlands. In addition, there currently is an actively managed citrus grove and an area of remnant citrus grove. The remnant grove area is in the process of being restored to scrubby flatwoods.
Contracted improvements to the area included an entrance driveway, parking area, and deceleration lane for CR 439. Our team focused on low impact design and innovative stormwater design so that construction would have minimal effects on the native ecology of the park. We prepared and reviewed all bidding documents and specifications for the project and assisted the County with bid solicitation and responses to bidders' questions.
Our staff was contracted to provide construction administration services, site inspections, utility company coordination, site meeting attendance, and shop drawing review. We were also responsible for coordinating meetings with permitting agencies including the SJRWMD, FDOT, Lake County Building Department, and the City of Leesburg.


text:
lagazzettaitaliana.com
Region of Italy
events in italy
Ten Thousand to One
October 2012 | Anthony Grano
As we look over the last 500 years of history there have been thousands of examples of original thought and accomplishment in all areas of human endeavor originating from the Italian peninsula: the arts, sciences, medicine, music, and business. Anyone who has read Italian, and world history, recalls the trading establishments of Venice, and Genoa, the renaissance art of Florence, the industrialization of Milan and the wealth that those great cities generated. But, we must not forget the isolation and poverty of the south of Italy, il Mezzogiorno. Yet, this area of poverty and hunger, within the past 100 years, made one of the most important contributions to today's modern world. That contribution was the millions of women and men who immigrated to the shores of America.
The Italian spirit in almost every aspect of its existence has captivated America. And, it seems that for every Italian, who excelled in Italy over this time frame, there have been 10,000 who have excelled in the every day fabric of America. Many thousands of strong Italian immigrants casted off the heavy weight of poverty and overcame the barriers and obstacles that existed in this country as the 20th century opened and expanded.
Those immigrants began their lives in America in small-scale business, labor, and politics. Tinkering with materials led to what we would consider small inventions, many of, which expanded the immigrant's ability to reproduce items that were familiar to them from their prior life in Italy. They worked with the strength of their hands and hearts to provide for their families while always looking over the horizon for the better life that they knew existed for the benefit of their children.
The first generation Italian Americans grew up in America totally aware of the heritage contained within each and every one of them. Most spoke the Italian language to their now aging immigrant parents but their first consideration was to the United States, the land of their birth. After fighting for this country in Asian and European wars, the first generation Italians in America completed and extended their education. They entered fields such as medicine, law, banking, contracting, manufacturing and almost every field that provided them an opportunity. Yet, at the same time, keeping their eye on the horizon and hoping for the betterment of their children and grandchildren.
It falls on the shoulders of the second and even the third generation of Italian Americans to continually educate and guide our children to a better life here in America. We must keep our eye on the horizon as our forefathers did and provide the opportunity for those who follow to excel in every aspect of life. The example lies before us in our history, in our internal makeup and in our common origin. We cannot afford to squander the example of the millions who came here to make a better world for us. It is our job to teach our children about their grandparents and great grandparents who did whatever was necessary to provide for this generation's place in history.
More in this category: « Making the Connection with Your Italian Heritage The Terracottas of Renaissance Florence »
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The state's northern belt has received excessive rainfall while the southern districts are experiencing a deficit.
On Tuesday, meteorological department officials said a low pressure system was forming in the Bay of Bengal that could turn into a cyclonic storm and hit the country's east coast by December 4. Tamil Nadu is bracing for the storm to hit its northern coast, though it is unclear as of now if it will do so or move further up to southern Andhra Pradesh.
According to private weather services company Skymet, this would be the fourth low pressure area to be formed in the Bay of Bengal during the North-East Monsoon that could affect the weather over Tamil Nadu.
The southern state is currently in the middle of the North-East Monsoon cycle, which sets in at the end of October and accounts for around 48% of its annual rainfall. Rainfall distribution across the state has been uneven so far and the cyclone, if it lands, could widen the imbalance by drenching the rain-fed northern coastal districts.
A storm alert for Tamil Nadu around this time of the year is not unusual. Two cyclones had struck the state's coastal areas in December last year. Cyclone Nada had landed near Puducherry, weakening into a depression as it neared the coast. The more powerful of the two cyclones, Vardah, had made landfall in North Chennai and was accompanied by powerful winds that brought down trees and power lines. Many parts of the city had no power, phone or internet services for around a week.
This graph represents normal rainfall received by the southern peninsula in the past two months.
The above normal rainfall experienced at the end of October and in the first week of November, as shown in the graph above, was caused by two low pressure systems. They brought heavy showers to the northern coastal belt of Tamil Nadu. The districts of Thiruvallur, Chennai, Kancheepuram and Nagapattinam recorded excess rainfall.
Meanwhile, pre-monsoon rain in early October brought showers to the interior districts of Krishnagiri and Vellore, which usually do not receive much rainfall.
But for most of the monsoon season, the central and southern districts have not received much rainfall. Ramanathapuram district, in particular, has had very deficient rain.
The fourth low pressure system that is still forming is predicted to bring rain to northern Tamil Nadu, although it is not yet clear how close it will get to the coast. "Whether it brings rain over the land area or the ocean, we are yet to see," said Thampi.


text:
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Blades Deepdale trip cancelled
Last updated : 03 October 2011 By @blades_mad1889
The game was due to take place on Saturday, 8th October 2011 with a 3:00pm kick-off but due to three players away on International duty from the North End side the game has been re-arranged.
A new date of Wednesday, 19th October 2011 (kick-off 7:45pm) has been agreed.
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text:
Fighter dispute hits stratosphere
By Peter Spiegel
In an intensifying dispute over weapons priorities, Defense Secretary Robert M. Gates on Thursday privately rebuked a four-star general for suggesting the Air Force intended to buy twice as many sophisticated F-22 Raptor aircraft as the Bush administration had approved, according to Air Force officials.
One senior defense official called the remarks by Gen. Bruce Carlson, who heads the Air Force command responsible for testing and developing new weapons, "borderline insubordination," because they contradicted a decision by the president.
In its 2009 budget submitted to Congress earlier this month, the White House approved multiyear plans to buy 183 of the stealthy new fighters at an estimated $140 million apiece. Many Air Force officials, however, continue to insist they need 381 of the F-22s to deter global threats.
The rebuke by Gates on Thursday, in a telephone call to Carlson's superior, reflects a deepening debate within the Defense Department over the direction of the military in the post-Iraq era. In particular, the clash over the F-22 -- the Air Force's premier fighter plane -- has become a microcosm of the argument over what kind of wars the United States is likely to encounter in the future.
With defense spending expected to decline as U.S. troops withdraw from Iraq, some in the Pentagon have argued for shifting money to high-end weapons systems, like fighters and Navy ships, that can be used if needed against rivals with larger militaries, like China and Russia.
Gates prefers a focus on equipment and personnel needed to wage low-grade counterinsurgencies, like Iraq, arguing that such fights are more likely to occur in the near future.
"The reality is we are fighting two wars, in Iraq and Afghanistan, and the F-22 has not performed a single mission in either theater," Gates told a Senate committee last week.
Carlson, however, told a group of reporters earlier in the week that the Air Force was "committed to funding 380" of the fighters, regardless of the Bush administration's decision.
According to an Air Force official briefed on the Thursday rebuke, Gates telephoned Air Force Secretary Michael W. Wynne, who was on vacation at the time, to express his displeasure with Carlson.
The senior defense official said Carlson's remarks, reported Thursday by the trade publication Aerospace Daily, angered the Pentagon's top leadership, adding that they were "completely unacceptable and out of line."
"Gen. Carlson and others in the Air Force may not like it, but 183 is the number of F-22s approved first by Defense Secretary [Donald H.] Rumsfeld, then reaffirmed by Defense Secretary Gates and provided for in budgets presented to Congress by President Bush -- Gen. Carlson's commander in chief," the official said, speaking on condition of anonymity when discussing internal debates.
Although the comments by Carlson reflect widespread thinking within the service, Gen. T. Michael Moseley, the Air Force chief of staff, has been careful in recent weeks to shy away from a direct confrontation with Gates, saying he would take the F-22 up again with the new administration.
"I'm being very, very, very careful not to get pitted against Dr. Gates, because I've said to him over and over, when we've had this conversation, 'Just don't shut the [assembly] lines down,' " Moseley said in an interview with The Times last week.
At the same time, as part of a new strategic plan released by Moseley last week, the Air Force chief listed as one of his top acquisition priorities negotiating a new multiyear procurement contract for the F-22. The existing contract with defense giant Lockheed Martin only accounts for 183 planes.
"We can defend our requirement of 381," Moseley said. "You can defend that on any number of operational analyses, but I'm trying not to go down that road."
In the 2009 budget, Gates agreed to keep the F-22 assembly line open -- but just barely. He removed $400 million in funding that would have been used to start shutting down the line and instead is expected to request four additional fighters when he submits a war funding proposal to Congress this spring.
The decision will allow the next presidential administration to decide whether to keep the F-22 program at current levels or expand the program to the numbers the Air Force is seeking.
The Air Force has faced intense pressure from within Gates' inner circle to shut down the line entirely. Gates has argued that the aircraft is only intended to fight "near peer" competitors, Pentagon code words for China and Russia, threats which Gates does not consider imminent.
Some Gates aides argued that the imminent production run of the Joint Strike Fighter -- a smaller, newer and cheaper plane -- made acquiring additional F-22s unnecessary and pushed for the line to be shut down completely in the 2009 budget.
"Looking at what I regard as the level of risk of conflict with one of those 'near peers' over the next four or five years, until the Joint Strike Fighter comes along, I think that something along the lines of 183 is a reasonable buy," Gates said last week.
Air Force officials have argued that the single-engine Joint Strike Fighter is not as capable as the two-engine F-22, which is faster and would be used in the early stages of a war against an adversary with sophisticated air defenses.
But Deputy Defense Secretary Gordon England told a congressional hearing Wednesday that the performance of the two planes was "extraordinarily close" and that he had recommended ending the line completely. Officials familiar with England's stance said he argued internally for the F-22 line to be shut down, only to be overruled by Gates.
"My strong feeling is that we have enough F-22s," England testified. "We're designed for a specific mission, we have enough [F-22s] to do that mission and we need to go on with the Joint Strike Fighter program."
Under the Air Force's reasoning, each of its 10 expeditionary forces -- the Air Force equivalent of a Navy carrier battle group or an Army brigade combat team -- needs to be equipped with a squadron of F-22s so that any battlefield commander around the world would have them ready to face any unexpected foe.
Brig. Gen. Darren W. McDew, the head of Air Force public affairs, insisted that the Air Force continued to support the Bush administration's budget and characterized the debate over the number of F-22s as a routine disagreement over weapons systems.
"I think Gen. Carlson was really saying some of the same things, but maybe with a little bit more passion," McDew said. "We're looking forward in the future to a continued debate about where the numbers are going to be as we figure what post-Iraq is going to look like."
Opponents of the F-22 charged that Air Force officials used the November grounding of the service's fleet of F-15 fighters -- the aircraft the F-22 is designed to replace -- to ramp up support for the newer plane. The F-15s were grounded after one of the fighters disintegrated in mid-flight. Although most of the 670 F-15s in the Air Force inventory have returned to service, about 160 older models have remained mothballed.
Air Force officials have denied overplaying the F-15's flaws, but advocates in Congress have pushed Gates to reconsider increasing the number of F-22s to account for the unexpected loss of F-15s.
The F-22 is primarily built by Lockheed in its aircraft plants in Ft. Worth and Marietta, Ga.
A portion of the aircraft's electronic systems are built in Lockheed's Palmdale facility, and Lockheed said nearly a third of the fighter's approximately 1,000 suppliers are in California, providing about 5,600 jobs.
peter.spiegel@latimes.com


text:
Standon Calling returns this year!
Ready to bring you that much-needed shot of quintessential UK festival fun for the whole family, Standon Calling has announced its return this July - celebrating its 15th Birthday in style with an exciting new lineup across music, family entertainment, late-night dance, comedy and much much more!
Nestled in the beautiful countryside setting in the valley of the River Rib in Hertfordshire, Standon Calling 2021 promises to be a weekend escape full of the brightest moments and collective joys that come with the great UK festival experience. Bringing world-renowned music, the best in sensational new talent, a diverse array of entertainment stretching across comedy, dance, family fun and more - it's a welcoming and homely summer experience not to be missed.
Leading the charge for 2021's unmissable 15th birthday celebrations is a rich musical bill that celebrates every shining aspect of what makes Standon Calling a must for music fans of all tastes. One of the biggest UK bands of the past decade, Bastille return to Standon Calling to rightfully top the bill - bringing with them an unparalleled array of chart hits and a formidable live show that has seen them become a true global phenomenon. Undeniable British music icons Primal Scream head to the Lordship this July for an emphatic headline moment, capturing the spirit and tireless influence of a career spanning over 30 years. From 'Movin On Up', 'Come Together' and 'Loaded' to 'Country Girl', 'Rocks' and 'Jailbird' to name but a few - frontman Bobby Gillespie is set to return to the stage in style at Standon Calling 2021. They'll be joined by fellow headliners and one of the most critically revered British bands of the 21st century, Hot Chip. Described by many as the perfect festival band, their blending worlds of electronica, pop and sun-kissed euphoria is bound to go down a treat when they take over Standon Calling - for a definitive festival moment.
Spread across multiple stages, expect to find a glorious cocktail of sounds and flavours for all occasions and ages, celebrating coming together once again under summer skies. There's party-starting energy from the legendary Craig David presents TS5, Sophie Ellis Bextor ft Sink The Pink, De La Soul and Sister Sledge. There's boundary-pushing must-see live powerhouses such as Everything Everything,Mystery Jets, Akala, Working Men's Club, Pigs Pigs Pigs Pigs Pigs Pigs Pigs, Picture This and Mercury Prize nominees Porridge Radio. There's the best in incredible new music from Squid, Holly Humberstone, Baby Queen, Biig Piig, Charlotte Adigéry, Greentea Peng, Lauran Hibberd, Lynks, Bob Vylan and Eurovision superstar Dadi Freyr. As the night draws in, throw yourself into the party spirit with Maribou State (DJ), HAAi, Sherelle, Colleen 'Cosmo' Murphy, Jamz Supernova, Darius Syrossian and London Elektricity. At every corner and at any time, Standon Calling delivers on a truly memorable festival experience for all ages, with something for everyone.
Standon Calling tickets are on sale now, and are available from http://www.standon-calling.com/tickets
Weekend Tickets start from (+ Booking Fee):
Adult (18+): £169
Accompanied Young Adult (16-17): £159
Accompanied Teen(13-15): £149
Child (4-12): £35
Infant (0-3): £5


A 'Thank You' that will get you talked about time & again.
The ideal solution to commemorate the successful completion of a corporate deal.
Batch productions can typically result in units costs from £60 - £200.
To create a commemorative piece to show AfriSam's achievements so far. The piece must resemble the Afrisam cement truck and have a plaque showing their current achievements. These models are to be distributed all of AfriSam's major investors.
"These are perfect, I'm sure they will take pride of place on our investors desks".
As one of the worlds leading provider of award and recognition solutions Altrum Honors commissioned Code 3 Models to make to order 24 deal models and one prototype.
To produce 25 models to replicate the client's Formula One cars with custom logos to the client's spec.
"Great work from the Code 3 team, hope to work with you again soon."


If you are one of the millions gearing up for retirement, it is likely you've considered more than one financial strategy to ensure your money lasts throughout a long, comfortable post-work life. Many retirement tactics focus on generating a guaranteed income stream to supplement other income sources, like a pension, social security, or retirement account distributions. A reverse mortgage is one of these vehicles as it has the ability to create positive cash flow for retired or soon-to-be retired homeowners. But a reverse mortgage gets a lot of attention from both advocates and skeptics making it a challenge to know if the vehicle is a good fit.
First, let's break down what a reverse mortgage is, and then we'll dive into advantages and drawbacks to consider before making this part of your overall retirement picture.
What, Exactly, is a Reverse Mortgage?
The need for the right mix of retirement strategy is necessary given nearly one-quarter of baby boomers have little to no savings set aside for this important objective. Combine the savings gap with rising costs for healthcare and longer lifespans and many retirees are in need of a financial lifesaver. In some cases, home equity is an overlooked asset that, in the right circumstances, can be tapped to help make up a retirement savings shortfall.
Sometimes referred to as a home equity conversion mortgage (HECM), the most common type of a reverse mortgage is a loan insured by the Federal Housing Administration that gives certain homeowners at or near retirement age access to a portion of their home's equity. Proceeds from a reverse mortgage can be taken as a lump sum or as a monthly income stream, giving retirees access to equity in the way they see most fit for their circumstances. And, a reverse mortgage does not require repayment so long as the home remains the primary residence and is not sold. Once the home is sold or the homeowner passes away, the property is either sold or refinanced by the heirs, or sold by the lender to recover the amount of the reverse mortgage loan.
To qualify for a reverse mortgage that falls under the category of HECM, homeowners must also complete a HUD-approved counseling session, maintain the home over time according to FHA guidelines, and continue to pay homeowners insurance and property taxes. There are non-HECM reverse mortgage loans available as well, although they are not insured by the federal government and may come with higher costs.
Reverse mortgages come with a myriad of benefits, not the least of which is the ability to access your home's equity in an affordable way. As a retired homeowner who qualifies for a reverse mortgage, you also have the opportunity to use the proceeds for various needs, like paying off an existing mortgage balance, covering medical bills, credit card debts, or vehicle loans, or managing necessary home repairs and renovations. Most importantly, a reverse mortgage gives you the option of taking a lump sum of cash, creating an income stream, or establishing a credit line from your home's equity. This flexibility is beneficial in keeping up with life's expenses, planned or unexpected, throughout a long retirement.
Above and beyond the access to cash from your home's equity, a reverse mortgage also offers some advantages that are less apparent. First, you remain in your home and keep the title in your name, giving you control over transferring the property to heirs upon your passing. In fact, anyone who inherits a home with a HECM loan still receives remaining equity once the loan balance is paid. Also, reverse mortgage loan proceeds are not taxable as income, and there is no need to make monthly payments on the loan as there would be with a home equity loan or line of credit.
While there are several upsides to getting a reverse mortgage, this retirement planning strategy is not without risks. First and foremost, approval for a reverse mortgage requires the lender be the only lien on the property. This means that your proceeds from a reverse mortgage must be enough to pay off any existing mortgage balance; the remaining equity is provided as income, a lump sum, or credit line access. Additionally, a reverse mortgage still requires you to cover home expenses, including ongoing maintenance, property taxes, and homeowners insurance. These costs are not wrapped up in the reverse mortgage like they are with a conventional purchase or refinance loan. Failing to stay current on these expenses may put you in default, which could ultimately lead to foreclosure.
It is also important to recognize that reverse mortgages are not without their own costs, including interest and lender fees. These expenses must be repaid when the home is sold or refinanced, whether that is by the homeowner due to a move, or heirs when the property is inherited. Also, you are only allowed to live outside the home for a total of 12 months. This means that if you experience a need for long-term care out of the home, or decide to go on an extended vacation, you will need to speak with your reverse mortgage lender beforehand to ensure you aren't voiding your agreement.
A reverse mortgage may be a viable retirement planning vehicle for many retirees with equity in their primary residence. This strategy offers flexibility in terms of access to cash while allowing you to maintain ownership of the home. However, you must be aware of the risk factors in reverse mortgages and how they may impact your ability to move or pass property on to others in a cost-effective way. Be sure to speak with your lender at length about these advantages and drawbacks before determining a reverse mortgage is the best choice for you in retirement.


The vampires are awake. Their 1000 year slumber is over. To give humanity a fighting chance, Kane Arkwright and his partner Rebel must track down a powerful relic lost to time. But even if they succeed, how can they prevent an army of vampires from tracking them down and snuffing them out? The answer will turn their world upside down.


text:
Industrial Internet of Things Will Boost Economic Growth, but Greater Government and Business Action Needed to Fulfill its Potential, Finds Accenture
Workforce of the future to benefit from new digital technologies
DAVOS, Switzerland; Jan. 21, 2015 – At a time of uncertain economic growth, the Industrial Internet of Things could contribute US$14.2 trillion to world output by 2030, according to new research by Accenture (NYSE: ACN). But these potential gains are at risk because neither companies nor governments are taking sufficient actions to put in place the conditions necessary for the wide adoption of new digital technologies.
The Industrial Internet of Things (IIoT), which enables new digital services and business models based on intelligent connected devices and machines, is expected to particularly boost growth in mature markets, according to the report titled 'Winning with the Industrial Internet of Things.' By 2030, capital investments in the IIoT and the productivity gains that should follow are expected to add US$6.1 trillion to the United States' cumulative GDP. If the U.S. were to invest 50 percent more in IIoT technologies and improve enabling factors, such as its skills and broadband networks, the gain could reach US$7.1 trillion by 2030, raising its GDP 2.3 percent higher in 2030 than trend projections.
Germany could lift its cumulative GDP by US$700 billion by 2030 by taking similar additional actions, raising its GDP in 2030 by 1.7 percent. The UK could increase GDP by US$531billion by 2030, lifting its GDP in 2030 by 1.8 percent over trend projections.
China looks set to see greater economic gains from the IIoT than Russia, India or Brazil. With IIoT-enhanced measures in place, China could lift cumulative GDP by US$1.8 trillion by 2030, raising its GDP in 2030 by 1.3 percent over trend projections.
However, the report reveals that these gains are at risk, in part because 73 percent of companies have yet to make concrete plans for the IIoT, according to a survey of more than 1,400 global business leaders, of whom 736 are CEOs. Only seven percent of those surveyed have developed a comprehensive strategy with investments to match.
The lack of commitment to the Industrial Internet of Things is largely due to the difficulty of applying it to generate new revenue streams, according to the research. Although a majority (57 percent) of business leaders say that new revenues will be the greatest opportunity of the IIoT, fewer than one in seven (13 percent) think their company will actually benefit in this way. Instead, their companies are focused on using the IIoT to make efficiency gains and see employee productivity and reduced operational expenses (cited by 46 and 44 percent respectively) as the most likely benefits for their companies.
"The Industrial Internet of Things is here today, helping to improve productivity and reduce costs," said Paul Daugherty, chief technology officer, Accenture. "But its full economic potential will only be achieved if companies move beyond using digital technology to make efficiency gains alone and unlock the value of data to create new markets and revenue streams. That means radically changing how they do business: working with competitors, forming partnerships with other industries, redesigning organizational structures and investing in new skills and talent."
Poor enabling conditions hold some countries back
Many countries have insufficient supporting conditions for the rapid adoption of the Industrial Internet of Things, according to Accenture analysis of 20 key economies. The U.S., Switzerland, Nordic countries and the Netherlands come out on top. Spain and Italy join Russia, India and Brazil as the countries with the weakest supporting conditions. These include limited infrastructure, skills or institutional foundations required to support the widespread adoption of new technologies. The report suggests that businesses will have to help governments identify improvements to these enabling conditions to encourage greater investment in the IIoT and scale its adoption.
"The Industrial Internet of Things has the capacity to significantly boost the productivity and competitiveness of industrial economies, but poor supporting conditions – especially the lack of digital literacy – will hold many countries back," said Bruno Berthon, managing director, Digital Strategy, Accenture Strategy. "Businesses must work with policy makers to put in place the necessary factors, not just to unleash the innovative and entrepreneurial spirit that is needed to create and apply digital technologies broadly across economies, but to compete for foreign investors seeking ideal locations for their global operations."
Positive impact for the workforce of the future
Eighty-seven percent of business leaders believe that the Industrial Internet of Things will be a net creator of jobs, according to the research. An accompanying report by Accenture and the World Economic Forum indicates that digital technologies will have a positive impact on the workforce of the future by augmenting existing skills and enabling workers to undertake more sophisticated work. For example, drill operators could operate equipment remotely, enabling them to collaborate with engineers and data analysts to improve the precision and productivity of drilling operations.
"The Industrial Internet of Things will make every worker a knowledge worker, enabling machine operators and other workers to use data to achieve more with equipment than they can today," said Daugherty. "It's not just about productivity but about being able to offer new value with the help of data delivered to workers in new ways. The Industrial Internet of Things will not only augment work, but result in more virtual and collaborative working environments, as well as create entirely new categories of jobs."
Three ways to accelerate the broad adoption of Industrial Internet of Things
Accenture has identified three areas that companies need to address to scale the adoption of the Industrial Internet of Things:
Re-imagine industry models. Companies will have to redesign their organizations, partnerships and operations. For example, agro-chemical companies collaborating with software vendors, climate data providers and satellite operators to improve crop yields in specific locations and conditions. Manufacturers may also need to decentralize operations as technologies such as 3D printing enable products to be made closer to customers.
Capitalize on the value of data. This includes establishing interoperability and security standards to ensure data can be shared with confidence between companies. New financial models will also be needed to support pay-per-use and other services-based offerings.
Prepare for the future of work. With greater access to data, decentralized working environments will be needed to support the devolvement of decision making to workers on the front line. New organizational structures will be needed to allow workers to collaborate more creatively with counterparts in partner companies.
Join Accenture and industry leaders for live discussions broadcast from Davos on the Industrial Internet of Things on January 21 and 23. Visit www.accenture.com/IIoTBroadcast. For all of Accenture's insights on the Industrial Internet of Things, please visit www.accenture.com/IIOT.
Accenture is a global management consulting, technology services and outsourcing company, with approximately 319,000 people serving clients in more than 120 countries. Combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world's most successful companies, Accenture collaborates with clients to help them become high-performance businesses and governments. The company generated net revenues of US$30.0 billion for the fiscal year ended Aug. 31, 2014. Its home page is www.accenture.com.
Matthew McGuinness
matthew.mcguinness@accenture.com


text:
Twins Minor League Talk
Twins AFL Report - Week 3: All Wallner Does is Hit Home Runs
matt wallner
cody laweryson
zach featherstone
andrew bechtold
By Steve Lein,
November 1, 2021 in Twins Minor League Talk
Steve Lein
Twins Daily Contributor
Twitter: HangingSL
Matt Wallner continued to display his big power in Week 3 of the Arizona Fall League season with two more home runs, but Minnesota Twins hitting prospects playing with him in the desert combined to go 0-for-20 after having strong starts. Pitchers also had a rough go in Week 3, but one continued to impress while a pair of relievers did have nice bounce-back outings.
Overall on the week the Scottsdale Scorpions had just two wins in six games and are now 5-11 on the season. They will look to put together their first winning record of the AFL campaign in Week 4.
Matt Wallner: 3 games, 2-for-9, 2 HR, 3 R, 3 RBI, 2 BB, 3 K; .278/.400/.611 (1.011 OPS) overall.
While Wallner only had two hits on the week, they were both big ones and raised his OPS during the AFL season over .100 points from Week 2 to Week 3.
Wallner played right field and batted sixth in the lineup in Scottsdale's first game of the week, a 7-6 loss to Glendale on Monday. Down 6-1 in the bottom of the eighth, Wallner drew a walk that put runners on first and second base before another walk loaded the bases. He then trotted home on Jeter Downs' grand slam that pulled the Scorpions within one run. He was the final out of the game when he grounded out to the pitcher with the tying run on first base. He finished this one 0-for-4 with one walk, the run scored, and one strikeout.
In Tuesday's 11-2 loss to Surprise Wallner was one of the few bright spots for Scottsdale as he scored both of their runs and as a team managed just five hits. In his first at-bat with one out in the second inning, Wallner blasted a moonshot solo home run to right field. His third home run of the AFL season made the score 2-1.
He also drew a walk in the ninth inning and came around to score on a single three batters later. In the game Wallner was 1-for-3 with two runs scored, the home run, a walk, and one strikeout. He played left field and again batted sixth.
The final action of the week for Wallner came in Thursday's 11-4 win over Mesa where he batted fifth in the lineup and was back in right field. He struck out on three pitches in his first at-bat but didn't waste any time in his second one to lead off the third inning. He took a big hack at the first pitch he saw and drove it over the fence the opposite way, giving his team a 5-1 lead at the time.
The game got a little interesting for Wallner from there. In the fifth and sixth innings he was hit by pitches in both at-bats. The second of those resulted in an RBI, but hit him in the face. He was subsequently removed from the game, requiring some stitches but avoiding anything serious.
In total, he reached base three times in the win, finishing with a 1-for-2 batting line with the home run, one strikeout, and two HBP's and finished his week tied for second in the league in home runs with four in 36 at-bats on the season.
Zach Featherstone: 2 appearances, 1 2/3 IP, 3 H, 4 ER, 2 BB, 3 K; 8.44 ERA, 2.25 WHIP (5 1/3 IP) overall.
Featherstone established a bit of a theme for Twins relief pitchers in AFL games this week with a forgettable first appearance that was followed by a rebound effort.
He was the first reliever out of the bullpen in Monday's loss to Glendale to start the fifth inning. He struck out the first hitter he faced and then got out number two on a liner to center. But from there it was walk, single, single, single, and another walk before he was pulled with two runs already in and responsible for the bases being loaded. Two more runs would be charged to him before the inning was over and Scottsdale was down 5-1 after five.
Back in action for the Scorpions 11-4 win over the Solar Sox on Thursday, Featherstone was tabbed this time to pitch the eighth inning with his team up by seven. It was a one-two-three effort requiring thirteen pitches, with the final two hitters going down swinging.
In 5 1/3 innings thus far for Featherstone, he has a 9:4 strikeout-to-walk ratio he'll look to improve upon in the season's final three weeks.
Andrew Bechtold: 3 games, 0-for-9, R, 6 BB, 3 K; .235/.366/.324 (.689 OPS) overall.
Although Bechtold didn't collect a hit on the week as he was moved up in the lineup, he did draw an impressive six walks in his three games, raising his OBP on the AFL season to .366.
In their 7-6 loss to the Desert Dogs on Monday, Bechtold was 0-for-3 but drew the first two of those free passes while serving as the DH and batting fifth in front of Wallner. He drew those walks in the fourth and sixth innings but made it no farther than first base.
Playing third base and moving up to third in the lineup in Wednesday's 3-2 loss to Salt River, Bechtold drew three walks and struck out twice in his five plate appearances. After drawing a free pass in the first inning and being among those to load the bases, Bechtold got to third base with just one out, but Scottsdale was only able to score one run in front of him for an early lead. His other walks came in the third inning (stranded on second) and the ninth (that put the tying run in scoring position), but was unable to notch a run scored on the game.
Bechtold's final game of the week came in Friday's 6-5 win over Glendale, where he batted cleanup and played catcher. He was 0-for-4 on the game, but drew his final base on balls of the week in the eighth inning and later scored on a two-run double that ended up being big runs for the Scorpions as the game went to extra innings before they were able to win it in the eleventh.
Kody Funderburk: 1 start, 3 IP, 6 H, 4 ER, 1 BB, 4 K; 10.29 ERA, 2.71 WHIP (7 IP) overall.
The left-handed Funderburk was tabbed to start Tuesday's game against Surprise, which they ended up losing big. He was saddled with his second loss of the AFL season.
The Saguaros got to him early with the first three hitters of the game reaching base, the third with an RBI single to open the game's scoring. Another RBI single later in the frame put the Scorpions in a 2-0 hole before their first at-bat.
The second inning was much easier for Funderburk. He needed just six pitches to record three outs in one-two-three fashion, picking up a swinging strikeout to end the frame.
The third inning was more like the first, except this time the hits came more in the form of doubles. After a leadoff single Funderburk got his second strikeout of the outing, but the consecutive doubles that followed led to two more runs. To finish the inning and his outing, he did notch his fourth strikeout (swinging) on three pitches.
Michael Helman: 3 games, 0-for-11, 2 R, 2 BB, 1 K; .214/.333/.250 (.583 OPS) overall.
Like Bechtold, Helman did not have a hit in his three games, but due to a few base on balls did score a couple of runs in his time on the field in Week 3, including a game winner.
He had to wait until Wednesday's game against Salt River to see some action. He batted eighth and played left field. His at-bats included a pair of pop-outs to the infield, a lineout to center, and one strikeout.
His next game was on Friday in the Scorpions extra-inning win over Glendale. His two walks in five plate appearances helped them win the game. The first of those free passes came in the seventh inning, and he would score the second run of the inning to tie the game at three. In the eighth his second walk loaded the bases before a Christian Koss double scored two to put the Scorpions ahead 5-4 at the time. After lining into a double play to end the 10th inning, Helman started the 11th on second base with the game still tied, after a (intentional?!) balk moved him to third, Helman was able to trot home for the walk-off winning run on a Koss single to right field. He played second base this time around and again batted eighth in the lineup.
Helman was again in the lineup, batting sixth and playing center field, for the Scorpions in Saturday's 8-4 loss to Surprise. It was an 0-for-4 effort a game the Scorpions outhit the Saguaros 10-7 as a team. He reached base on an error to leadoff the second inning, grounded out to third in the fourth, popped out to first in the sixth, and flew out to center in the seventh to account for all his plate appearances.
Cody Laweryson: 2 appearances, 2 1/3 IP, 2 H, 0 R, 0 BB, 1 K; 1.00 ERA, 0.89 WHIP (9 IP) overall.
After impressing with strikeouts in the season's first two weeks, Laweryson got his job done in different fashion in Week 3, lowering his ERA to 1.00 on the AFL season in the process with just one strikeout in two appearances.
In Wednesday's 3-2 loss against Salt River, Laweryson was brought on to start the sixth inning with the score already 3-2. The first batter reached base on an error, but he was able to retire the next three hitters with a strikeout and two more grounders to keep his team in front. He threw 15 pitches, with nine going for strikes (2 swinging) in this outing.
With his team down 6-1 after a bases loaded two-run single in the seventh, Laweryson was summoned with runners on first and second base and two outs in Saturday's 8-4 loss to the Saguaros. Looking to limit the damage in the frame any further, Laweryson did allow his first big hit of the AFL season, a two-run double to the first batter he faced that made it 8-1, but he was not responsible for those runners. He got a lineout to end the inning after that and with a clean slate in the eighth delivered a scoreless frame. He allowed two hits in his 1 1/3 innings in this one and will look to get back to punching out hitters in Week 4.
Evan Sisk: 2 appearances, 2 IP, 2 H, 2 ER, 2 BB, 2 K; 14.40 ERA, 2.60 WHIP (5 IP) overall.
Like Featherstone before him, Sisk had a rough first appearance followed by a solid second in Week 3 of AFL action.
In their big loss on Tuesday, Sisk was brought in from the bullpen to start the fifth inning with the score already 7-1 Surprise. He got the first two outs on a grounder and flyout around a walk, before a single put runners on first and second, and a double to the next hitter brought them both home for a 9-1 Saguaros lead. Another walk prompted a mound visit before he got the final out of the inning on a fly ball to center field.
In the Scorpions extra-inning win over Glendale on Friday, Sisk was tabbed for the sixth inning with the score 2-1 in favor of the Desert Dogs. He made quick work of the hitters he faced, retiring them in order with the first of those two outs coming via strikeouts on foul tips that teammate Bechtold held onto as the catcher.
Check back every week to see how Minnesota Twins prospects played during the AFL season, and please feel free to ask questions about the AFL and the players who are there!
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mikelink45
Wallner has left Sabato in the dust - not just here, but all season. The others do not look like real prospects to me.
Seth Stohs and MN_ExPat
jmlease1
Laweryson is taking advantage of his opportunity. He'll be interesting to track in the upcoming minor league season to see if he keeps performing at this level and becomes a real prospect to watch.
Wallner is justifying his prospect status. He does a lot of damage when he connects; the only real question with him is will he connect enough as he rises in the ranks to be an effective hitter in the majors. The power plays, but as we've seen with Rooker, if you don't get the bat on the bat enough it might not matter.
So far the rest of the guys are not impressing, which is too bad. But part of why the Twins sent these guys down to the AFL was to sort this stuff out.
Steve Lein, DocBauer, Dman and 1 other
56 minutes ago, mikelink45 said:
Sabato figured some parts out toward the end of the year. Still would like to see a higher batting average definitely, and I know it's the minors, but this is Joey Gallo:
per 162 games
162 703 557 130 126 24 0 63 126 119 8 229 16 0 12 0 0 0
Aug 4 to Sep 26, 2021
41 178 141 33 32 6 0 16 32 30 2 58 4 0 3 0 0 0 .227 .371 .610 .981 .229
They're still very similar for me, but I do have Wallner rated higher.
blindeke, mikelink45 and MN_ExPat
Major League Ready
1 hour ago, mikelink45 said:
He found something when he moved to Cedar Rapids. It was only 97 PAs but he had a wRC+ of 165 and an OPS over 1. I was really down on him but his performance in CR gives us some hope. I did not like that pick at that time and it came the year after they took Cavaco which I really hated. They could have take Stott or Carrol. Stott ended last year at AAA and he could have been our SS next year and Carroll is a 60FV prospect. Man, that ticks me off.
Dman, mikelink45 and sjunisu
bean5302
Wallner has big power, it's just a question of whether or not his eye at the plate will play. The AFL seems to be somewhere between A+ and AA competition level in my opinion. Since Wallner has 40 grade speed, he's going to need to rake in order to provide any value at the MLB level.
Right now, Wallner is .278/.400/.611 OPS 1.011 with a 13.3% BB and 35.6% K rate and a .333 BABIP. Calculating BABIP (46PA - 2HBP - 6BB - 16K - 4HR = 18 balls in play) and (10H - 4HR = 6 hits in play).
I typically view the AFL as just experience with the expectation of high performance in the AFL, but without the expectation that high performance will carry into AA or higher.
Poor performances at the AFL can be sample size or maybe a sign coaches are having them work on something in specific, but I think it's a lot more problematic for older prospects (24+) like most of the Twins represented here. Sisk, Featherstone, Funderburk, Bechtold and Helman are all 24-25 and they should be dominant in the AFL if they have what it takes to move ahead.
Thanks for the report, Steve. And isn't it great that there still is some baseball for a handful of Twins to be playing.
Of the group in the AFL this year, Wallner is the only one who most consider a top prospect. So it is great that he is having some success. As for the others, it is a chance to get noticed. Maybe another coach/scout will see something they like and one will get picked in the Rule 5 draft. In other cases, maybe one will take a step forward and use it as a stepping stone to a bigger 2022.
In any case, Steve, it is great reading about actual baseball...thanks.
Twitter: sethtweets
Wallner needs to make more contact, for sure... but I also think that missing 2+ months in the middle of the season didn't really allow him to make adjustments. And then he kind of had to start over late in the season again. Would sure be nice to see a full season.
Sabato's struggles early seemed to be about bat speed, but it's also important to remember the effects on baseballs in the Florida State League. Saps power for most.... For him to get out of Florida and start putting up big power numbers is re-encouraging.
11 hours ago, Seth Stohs said:
This begs the question why did they take a guy in the 1st round with questionable bat speed. Was injury hampering his bat speed? If not, how does a guy with questionable bat speed and no defensive value get taken ion the 1st round?
4 hours ago, Major League Ready said:
It's not unusual for a college player to have a longer swing coming into the minors; the same way that you can get away with stuff in A-ball that you can't in AAA or MLB, there's stuff you can get away with in college you can't in the pros. sometimes I guy can quicken it up and shorten things without sacrificing power and they may have seen that possibility with Sabato. I think we'll no a lot more about whether he's a real prospect or not next season. Lot of guys that really needed to make adjustments in the minors after a year of not seeing competition. Was Sabato one of those? Maybe, maybe not, but the excuse will be gone next year.
Wallner has been better to date. The AFL time to date seems to confirm what we saw on him during the year: good eye at the plate, excellent power, loads of Ks. He's going to have to either: cut down on the Ks or take even more walks (preferably both of course) to push his way up the ladder, but there's potential there. AA should tell us a lot about him. If more refined pitchers keep the Ks high, lower the walks, and prevent him from barreling up on the ball...then he's gonna wash out. If he can keep mashing and improve the amount of contact he makes, then he's got a real chance.
Monkeypaws
specialiststeve
DocSavage


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This is a tender port. You will be tendered to the center of Itea.
Itea is the port used for trips to Delphi. It is a very quiet, pretty little port, not much there, very few shops, beach with no facilities but fine for a swim, some nice cafes and bars.
A return trip by taxi to Delphi cost around 60 euro per taxi, including a 3 hour stop for visiting the sights. There will be plenty of taxis in port.
Delphi, The archaeological site of Delphi is an UNESCO World Heritage site near the modern village of the same name in Greece. In ancient times it was the site of the most important oracle of the god Apollo.
Mount Parnassus, is a mountain of limestone in central Greece that towers above Delphi, north of the Gulf of Corinth, and offers scenic views of the surrounding olive groves and countryside. According to Greek mythology, this mountain was sacred to Apollo and the Corycian nymphs, and the home of the Muses.
The pretty towns of Delphi and Arachova offer tavernas and shopping as well as great views from the side of Mount Parnassus.