Laurel Road is the refinancing arm of Darien Rowayton Bank. Many borrowers knew Laurel Road as DRB, but DRB changed its refinancing department's name to Laurel Road in 2017.
While the company offers refinancing for undergraduate, graduate, and parent loans, it specializes in loans for health professionals. Doctors and dentists have the option of refinancing during their residencies. This makes it easier for them to get through their residencies and focus more on the future.
Laurel Road is one of the best student loan consolidation and refinancing companies available today. Read on to learn more about the company's offerings.
Laurel Road refinances loans with a minimum balance of $5,000. There is no maximum amount. Borrowers can refinance loans up to the full amount of their outstanding debt, and both federal and private student loans are eligible.
Borrowers have the option of refinancing with a fixed or variable interest rate loan. Fixed rates currently range from 3.95 percent to 6.99 percent APR. Variable rates currently range from 2.99 percent to 6.42 percent APR.
People can choose from loan terms of 5, 7, 10, 15, and 20 years. Regardless of the term selected, Laurel Road does not charge origination fees or prepayment penalties.
Students also have the option of refinancing a parent loan into their names. Parents who no longer wish to bear the responsibility for their child's debt can have their children look into this option. The loan will transfer over to the child and the parent will no longer be responsible.
Borrowers should have credit scores in the high 600s to qualify for loan refinancing with Laurel Road. The average borrower has a credit score of at least 750, so creditworthiness plays a major factor in the approval process for these loans.
There is no annual income requirement, but the debt-to-income ratio must be at 43 percent or less. Most borrowers earn at least $100,000 per year and have a debt-to-income ratio of 30 percent or less. It's also important that borrowers illustrate their ability to repay the loan. Laurel Road is not a high-risk lender and only offers money to those who are likely to repay it without any issues.
Laurel Road offers a forbearance of up to 12 months. Borrowers must face economic hardship to qualify for this. The hardship must be documented. They can request a full or partial forbearance upon providing the proper documentation.
Many people turn to Laurel Road because they can refinance a parent loan in their name. Those who qualify based on their credit and income can typically do this without any issues.
Laurel Road also offers substantial perks for medical and dental residents. Those who qualify can lower their payments to $100 per month during their residencies. However, unpaid interest accrues on the account during that time. The interest is capitalized, meaning Laurel Road adds it to the balance. This causes residents to owe more than they initially borrowed. They need to consider the benefits and risks before lowering their payments this way.
There are a couple of drawbacks as well. First, federal loans come with certain perks, such as loan forgiveness and income-driven repayment plans. Students lose access to those perks when they refinance with Laurel Road. They need to make sure the benefits outweigh the drawbacks before they refinance.
Those who want to refinance with Laurel Road need a government-issued photo ID, payoff statements for all loans they wish to refinance, and two recent pay stubs. They also need two years of tax returns. Those who have additional income should also include proof of that when applying for the loan.
Those who need to refinance their student loans might benefit from using Laurel Road. The interest rates are fair, and medical residents get special privileges that can help them make it through medical or dental school.
However, borrowers should weigh the benefits against the drawbacks. The drawbacks mainly consisting of losing federal loan privileges (as is the case with all refinance lenders) which must be considered before moving forward with the loan refinance.
PreviousCan You Refinance Student Loans Multiple Times?


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Mussaenda chevalieri är en måreväxtart som beskrevs av Charles-Joseph Marie Pitard. Mussaenda chevalieri ingår i släktet Mussaenda och familjen måreväxter. Inga underarter finns listade i Catalogue of Life.

Källor

Måreväxter
chevalieri

redpajama_set_name: RedPajamaWikipedia


This soft, luxurious Berber rug measures 415cm x 300cm. Berber rugs (also known as Beni Ourain rugs, named after the particular Berber tribe who create them) are handwoven, resulting in the unique, abstract design you see in the photograph. This authentic Berber rug was hand made in the high Atlas Mountains by Jawhara.
Click the button below to add the Moroccan Berber Rug BER026 (415cm x 300cm) to your wish list.


This game is absolutely stunning! The graphics are great with the unity Engine and the game atmosphere is awesome. The controls need to be touched a little but other than that I recommend downloading. There aren't a lot of games like this on windows devices compared to android and IOS. and if it isn't too much coding, you should consider adding another arm in and carry the torch with your left and and maybe a sword in the right.
What the hell? I died immediately when I started! What is the use of hitting an enemy if it doesn't kill them???
The game its good, but the problem ate the nonters, to easy for defeat. Would be more challenging if the monster were more hard to kill and you could interact with objects like corpses and doors. Its ok.
Its ok i guess. Give it a shot. The only problem is it doesnt close using back button.
I Can't believe that exist a game so good! This game are well done, only plz when you update it "grow" up a little the moving joystick but if you can't the game is still so good! Plz plz I loved the movies pf The Conjuring (1 and 2) and Annabelle, create a game about theese stories plz if you can S2!
I have played ALOT of First Person Perspective games using touch screen controls and the controls in this game stink. They're unresponsive and also tend to stick. If not for this problem the game would be pretty cool, nice graphics/theme otherwise.


Some of you have asked about business bank accounts before, work is definitely happening on this on our end!
Have you ever opened a business bank account?
It would also be great to learn about your experiences, the highs and lows when it comes to opening a business account, maintaining it, or growing your business!
I might get back to you with more questions if you're happy to share your experience with us!
I have access to 4 business bank accounts with 4 different banks, by far the easiest to use is Starling for day to day as the app work, plus quick opening and no hassle. Quick customer service, they answer questions and you have instant payments, and the notifications are great for my sole trader account. The only reason they are not used for a limited company account is no desktop site, so doing accounts etc is time confusing, unless you pay for a third party program.
HSBC is horrendous, if anything goes wrong it all involves a bank visit. Plus you need a little key fob thing for payments and some things, which is slow.
High Street bank wise Barclays is by far the best, the online banking works very well and is simple. Amazing business customer service, plus you have branches if need be for counter service.
The other is a private bank so pointless discussing the in's and out's of that. Although a good website is important to me in business banking, one the new banks forget about. It's not possible to effectively manage a business account without a desktop site, and those that say it is, normally actually use a different program like xero or freeagent, so are not making use of the app anyway.
Hey folks, thanks so much for your responses, I appreciate business finance can feel like quite a personal subject matter, so thanks for sharing!
I am trying to understand how small business owners usually finance their businesses. Here my findings, grouped by company size (I am a Tableau fan, as you can see).
Where do you go if your business is short of cash?
What stands in the way of applying for a loan/other finance?
What are your stories about trying and maybe failing to get a business loan?
The biggest problem to finance for small businesses is the hoops you have to jump through to get an answer.
With personal finance its all very quick, with business finance its slow, which makes no sense. Although recently a few more loan companies offer instant approval and so on.
Barclays use a pre-approved system, where if you use your account well for a while, you can apply for loans or credit cards for your business and know you are going to get it, so that's actually good for managing your business because you know its there if you need it.
Its often easier just to use a personal credit card, or overdraft than the hassle of getting something dedicated for a business.


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Home » Regions » Eurasia
Most countries in Eurasia rank at or near the bottom of Freedom House's ratings for political rights and civil liberties. While a few—such as Georgia, Moldova, and Ukraine—have struggled to democratize and pursue European integration in recent years, they face strong resistance from Russia and antidemocratic elements within their borders. Freedom House's programs in the region support courageous activists in their struggle to strengthen basic human rights, provide independent news and analysis, and combat grave violations of the rule of law. A summary of our work in the region can be found here.
Asterisks in the country list below indicate a territory rather than a country.
Country Select a countryAbkhazia *ArmeniaAzerbaijanBelarusChechnya *Crimea *GeorgiaKazakhstanKyrgyzstanMoldovaNagorno-Karabakh *RussiaSouth Ossetia *TajikistanTransnistria *TurkmenistanUkraineUzbekistan
Countries & Territories: 18
288 million people
0% free
Percent computed by population. Population source data.
Countries & Topics
Authoritarian Regimes Conceal Repression with Anti-Extremism Laws
Repressive regimes are increasingly resorting to anti-extremism laws to crack down on political dissidents and minorities, said participants at a roundtable on Anti-Extremism Laws in Russia, Pakistan, China, and Tajikistan hosted by Freedom House and the U.S. Commission on International Religious Freedom.
Human Rights in Russia: Testimony Before the Tom Lantos Human Rights Commission
Susan Corke testified before the Tom Lantos Human Rights Commission on the current climate for human rights in Russia.
Seeking a More Free Internet through Multi-Stakeholder Dialogue
Freedom House led a delegation of civil society leaders and online activists from around the world to Baku, Azerbaijan last week for the 7th Internet Governance Forum (IGF), the UN's flagship conference for discussing global Internet policy. Following the IGF, 17 organizations and individuals signed on to a joint statement to highlight the concerns they raised throughout the Forum, and to offer recommendations to governments, internet companies, and international organizations on how to better protect internet freedoms.
Russians Are Afraid - and for Good Reason
David J. Kramer and Susan Corke examine the alarming climate for human rights in Russia in The Moscow Times.
Vytis Jurkonis
Project Director, Vilnius office
Mr. Jurkonis is a project director at Freedom House and leads its Vilnius office.
Eurasia, Europe
Marc Behrendt
Director, Europe and Eurasia programs
Marc Behrendt is the Director for Europe and Eurasia programs at Freedom House, with over 20 years of experience working in the Eurasia region in peacebuilding, governance and human rights.
Civil Society, Freedom of Expression, Human Rights
Lisa Dickieson
Senior Vice President, Programs
Lisa Dickieson is senior vice president for programs. Before joining Freedom House, she was head of the Democracy and Governance Practice at Chemonics International.
Human Rights, Rule of Law
Sub-Saharan Africa, Asia-Pacific, Eurasia
3.3 million people
Partly Free
Scores Overview
4.5 / 7 (least free)
Freedom Rating
(0 = Best, 100 = Worst) / 100 (least free)
17 million people
Abkhazia *
Chechnya *
Crimea *
Nagorno-Karabakh *
South Ossetia *
Transnistria *
Defending Digital Spaces: Special Policy Brief Concept
Freedom House is currently seeking proposals for a special policy brief that will focus on hate speech and information security risks in Moldova.
Strengthening Champions for Free Expression in Ukraine in a Time of Conflict
Freedom House seeks proposals from both rising and experienced researchers based in Ukraine who are interested in writing forward-looking briefs on media, culture and human rights issues.
Mobilizing Civil Society to Support Judicial Integrity in the Republic of Moldova
Freedom House implements the multi-year Mobilizing Civil Society to Support Judicial Integrity in the Republic of Moldova project, which aims to support justice sector reform in Moldova by creating an environment in which the public is better informed about ongoing developments in the country's justice sector and how they impact citizens' daily lives.
Media-M: Media Enabling Democracy, Inclusion and Accountability in Moldova
Through collaboration with partner civil society organizations in the country, Freedom House aims to boost capacity in civil society to effectively monitor media and to improve the legal and regulatory environment for independent media.
Freedom of Expression, Rule of Law
Programs in Moldova
Programul Media Freedom Matters: Suport financiar pentru inițiativele de advocacy, educație și sensibilizare ale mass-media din Moldova
Freedom House, în colaborare solicită cereri de finanțare și suport din partea organizațiilor neguvernamentale și coalițiilor, care își propun să întreprindă acțiuni de sensibilizare cu privire la libertatea presei, libertatea de exprimare și presa independentă în Republica Moldova.
Программа Media Freedom Matters: Гранты для проектов адвокаси, образовательных и информационно-просветительских инициатив в поддержку СМИ в Молдове
Freedom House принимает заявки на финансовую поддержку от местных зарегистрированных неправительственных организаций и коалиций, стремящихся повысить осведомленность о свободе печати, свободе выражения мнений и независимых средствах массовой информации в Республике Молдовa.
Media Freedom Matters: Financial Support to Advocacy, Education, and Outreach Initiatives for Media in Moldova
Freedom House invites applications for funding and support from local, registered non-governmental organizations and coalitions that seek to raise awareness about press freedom, freedom of expression, and independent media in the Republic of Moldova.
Europe and Eurasia programs
Freedom House works in Eurasia to protect professional and citizen journalists, to bolster activist capacity, and to support LGBTI rights activists.
Civil Society, Freedom of Expression, Human Rights, LGBTI Rights
Freedom House enhances the capacity of local civil society groups to rapidly respond to human rights violations, to provide advocates with the skills to defend the right to freedom of assembly, and to equip local groups with the tools to combat gender-based violence and bride-kidnapping in Kyrgyzstan.
Civil Society, Human Rights

redpajama_set_name: RedPajamaCommonCrawl


Adding all the differences, we get a Total Chi Square of 37.5—which is yet another interim value in this calculation. So on to the next stage.
We have two more players, and those are the Probability and Critical Value.
Our final step to calculate Chi Square is to compare our Total to the Critical Values. In our case, 37.5 > 10.83 which means it's even more than 99.9% significant. If instead we only came up with a Total of 4.5, that's > 3.84 so we'd say it was 95% significant.
If you're lucky, you have a survey software or statistics program which will take your Observed values and crunch everything for you—some won't even make you specify a probability first.
If you don't have an application which makes this easy, try the on-line calculator Kristopher J. Preacher has posted on his site.
While Microsoft Excel has a CHITEST function, it takes a bit of hand work. You have to manually generate all the Expected values, and all it does is give you the Total Chi Square (our 37.5). To get the probability, you have to pair it with the CHIDIST function, manually giving it the degrees of freedom.
Cities, product names, instructor names, etc.
The answers do not need to be ordered, equal or symmetrical—just discrete. This is part of what makes Chi Square a handy statistic for surveys.
"Mark all that apply" questions cannot be used as an individual respondent cannot exist in more than one cell of our table. For example, a woman answering the survey can't appear in both the Yes and No columns.
You still want to keep the count totals in the report so that readers know the relative sizes of the groups.
Cross-tabs can also be well suited to graphical views, including stacked bar charts, bar graphs and line/profile graphs.
The guidelines on this vary, but if you have more than one cell with 5 or fewer respondents, the final calculation may overstate your level of probability. If you do have this situation, either wait on this statistic until you have more data, or combine categories.
In our original example, our column scale might have been "Yes/Uncertain/No." If the Uncertain column totaled 0, we would have to drop it as the Expected values for it would have all been 0. This means the difference calculation would be attempting to divide by 0, which is challenging.
Completely empty rows or columns are the only answers you should ever drop. Even if there was just 1 response in the Uncertain column, you need to include that individual in the table for the statistic to be reliable. We can, however, combine Uncertain with Yes or No if needed.
This is used to increase the counts of cells when you have too many with infrequent responses, or simply to clarify the relationships for your analysis.
With an ordered scale such as a 5 level Likert, this could take the form of combining the upper and lower categories into a 3 level "Agree/Neither/Disagree" breakdown.
With unordered data such as product names, you might combine into categories. With city names you might group the information into geographic regions or urban/rural classifications.
The main issue is to make sure the categories are sufficiently related that you're not masking a relationship. When in doubt, first run the cross-tabulation and Chi Square on an expanded table, then start combining.
In surveys respondents will often skip one or both of the questions in your comparison. If this represents more than a couple people, you may want to add a "No Answer" or "Empty" row and column. Just as with non-response sampling errors, sometimes there's a relationship in the people who don't give an answer.
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Thanks! I'll get the ebook out one of these days, but the blog will always be best for specialized topics like this one. Plus I'd rather write an article than pay for advertising or attend a networking luncheon ;-).
Wondering if you maybe wanted to start writing my blog for me cuz DAMN that was good!
Great information! Your explanations are fabulous.


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Nigeria Launches Its First Bitcoin ATM
Author: Sherlock Gomes
The largest country in Africa, Nigeria, is becoming savvier in the crypto sphere by the day. It recently launched its first Bitcoin ATM, which is also the fifteenth in the entire continent.
Blockstale BTM installs ATM
The ATM was installed in the Dazey Lounge and Bar in the state of Lagos by Blockstale BTM. It plans to start 30 more terminals across the country. Daniel Adekunle, the founder and chief executive of the company said,
"Despite all the legal uncertainties about cryptocurrencies in Nigeria, Nigerians happen to be the highest crypto traders in Africa."
The company is developing these ATMs in partnership with a Shenzhen, China-based technology firm.
Nigeria has the highest trading volume for cryptocurrencies in Africa. It is also the continent's largest economy with the biggest population. However, it is not the first country to launch a Bitcoin ATM. Before, seven countries have established 14 crypto ATMs in the continent. CoinATMRadar data suggests that South Africa alone has seven crypto ATMs. Ghana has two and Zimbabwe, Uganda, Kenya, Djibouti, and Botswana have one crypto ATM each. With a Bitcoin ATM in Nigeria, the crypto community can expect more developments and widespread adoption in the future.
Nigeria experiences drop in volumes
The Nigerian crypto community has faced some issues lately with the KYC overhaul of the industry. The volume on LocalBitcoins for the country dropped to 220 Bitcoins, worth about $1.38 million. Note that LocalBitcoins is a peer-to-peer trading platform, unlike a regular crypto exchange. The numbers have dropped by 50% since September 2019, when the platforms launched its stricter KYC requirements.
However, the Nigerian market is still thriving despite some issues. According to Google Trends, Nigeria constantly tops the Google searches for Bitcoin and drives 2x the traffic than the second-ranked country Austria. Interestingly, three of the top five countries in this list are African, including South Africa and Ghana. This indicates a rising trend in African countries to learn about and adopt Bitcoin in their daily lives.
Sherlock Gomes loves to write and express his views on anything related to Crypto. He has been covering Crypto for more than two years now. He likes Bitcoin and Cardano. He also writes on Finance, Healthcare, and Technology among other stuff. He can be reached by e-mail on sherlockg@insidebitcoins.com
1.1 Million In USDC Invested Into Uniswap and PoolTogether By Coinbase
Litecoin Price Prediction: LTC/USD Will Only Move Higher If $40 Is Broken


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Tools for Green Living
You're never too young to enjoy the outdoors. With Tough Traveler backpacks, even babies and small children can get in on the action. Its baby carrier backpack has easy-to-use adjustment straps, trampoline-mounted hip belts, and a large zippered storage pocket under the child's seat, providing both comfort and convenience. The packs can be further customized with diaper bag additions, stirrups for larger children, rain or sun hoods, and a whole range of other features. The packs come in several sizes and styles and are designed to support children up to 60 pounds. Prices for the carriers start at $90.
Tough Traveler
Tel: (800) GO-TOUGH
DISHING IT OUT
There is perhaps no stronger test of environmental ethics than the family gathering—even the best of intentions can pale in the shadow of Aunt Ruby armed with a looming pile of styrofoam. This year, slip Enviro-Ware into the stack. These attractive, unbleached plates and dishes are not only disposable, but compostable—biodegrading in only 100 days. Petroleum-derived foam and plastic and tree-consuming paper are the unsustainable choice compared to the tropical plant matter base of Enviro-Ware (bamboo and sugar cane stalks that quickly regenerate). The long fibers create a material that can be microwaved, won't soak through, and is strong enough to support even a heaping portion of that secret-recipe lasagna.
Enviro-Ware
—Jennifer Bogo
BEAUTIFYING THE BATH
Clearly Natural soaps are exactly that—clear and natural. In fact, the soap is so translucent that the company can, and does, put objects visibly inside your bar—from loofahs for ladies to rubber ducks for kids ($6.69). And if you prefer your soap to be just that, the company offers object-free bars as well (starting at 74 cents) that are beautifully tinted with pulsating waves of color.
These hypoallergenic soaps are made from 100 percent natural ingredients, including pure vegetable glycerine, aloe vera and vitamin E. They're not animal tested and don't use animal products.
—H.Y.
SANDWICH SAVERS
It's time to kiss those landfill-clogging sandwich baggies goodbye and move into the waste not, want not 21st century. Thanks to Bonnie Stromme, an enterprising mother of four, you can make the move with style. She's designed and patented reusable sandwich wrappers from her home in Loveland, Colorado. Each Wrap N' Mat comes in one of 15 fabric designs lined with plastic and closed with a Velcro strip. They're machine washable and incredibly durable, with uses ranging from veggie sandwiches to doggie treats. So give up the baggies because blue and yellow definitely doesn't make "green." Each mat is $5, plus $3 shipping and handling, for an order of up to four.
Wrap N' Mat
—Meagan Boltwood
YOUR OWN KIND
As a reminder that the childhood lesson "be kind to others" applies to animals and the environment as well, the National Association for Humane and Environmental Education (NAHEE) publishes the classroom newspaper KIND. Articles, activities and celebrity interviews in this colorful resource are intended to foster compassion and respect, and are tailored to three reading levels for students in grades kindergarten through sixth. A magazine with reproducible worksheets, student ID cards and a classroom poster come with the $25 subscription, which includes 32 copies of the newspaper and a teacher's guide delivered every month of the school year. If you'd like to subscribe directly, or give KIND as a gift through the Humane Society's "Adopt-A-Teacher" program,
Although the E staff has doggedly reviewed many products over the years, it endorses none quite so enthusiastically as the mysteriously titled "Veat." There's no end to innovative meals concocted with this soy-based chicken substitute, which gives delicious new life to the much-maligned vegetarian "meat" category. High in protein and omega-3 fatty acids, but low in fat and cholesterol-free, Veat comes in both nuggets ($4.39) and breasts ($3.69). Now we're delighted to try our hands at its (mercury-free!) version of salmon, too ($4.39). Available in the freezer section of your natural foods store. If Veat ever needs a cookbook collaborator, they should definitely look us up.
Veat
Tel: (888) 321-VEAT.
If this issue's cover story has left you wondering what in the world a genome even is, let alone how it could be mapped and what that has to do with you, consider picking up Enrico Coen's The Art of Genes: How Organisms Make Themselves (Oxford University Press, $16.95). Coen somehow tackles a subject as vast and overwhelming as a tiny molecule of DNA, and makes it comprehendible, using such tools as the Mona Lisa, a football stadium and a pancake-making machine as metaphors for the cellular creation of life. Coen leaves nothing out, walking the reader through Mendel's early revelations on heredity to modern understanding of development as a state highly responsive to environmental influence.
IN PRAISE OF POLLUTERS
Believe it or not, the art of public relations "spin" is less than 100 years old, having been pioneered by the egomaniacal Edward Bernays (a nephew of Sigmund Freud, amazingly enough) in the 1920s. In Trust Us, We're Experts! (Tarcher Putnam, $24.95), a follow-up to their celebrated book Toxic Sludge Is Good For You, Sheldon Rampton and John Stauber point to the price tags attached to scientific "authorities" who endorse dubious products and praise polluters. The whole sordid history of industry-sponsored global warming opposition is here, as is the scientifically questionable campaign on behalf of biotech foods.
For a close-up look at how one particular group of spin doctors worke
d, there is Secrets and Lies: The Anatomy of an Anti-Environmental PR Campaign by Nicky Hager and Bob Burton (Common Courage Press, $17.95). Working with leaked documents, the authors reveal how a government-owned timber company enlisted the powerful American public relations agency Shandwick to "position" its unpopular attempt to log New Zealand's temperate rain forest. The plan ultimately backfired and helped bring the anti-logging Labor Party to power. In this case at least, the spinning spiraled out of control.
—Jim Motavalli
Long capturing the attention of nature enthusiasts, two of the United States' most impressive ecosystems have recently come under more public scrutiny as well. In November, Congress passed a bill including 68 individual projects intended to restore the proper flow and quality of water in the Florida Everglades. David McCally lays the case for just such action in The Everglades: An Environmental History (University Press of Florida, $19.95). The book traces the metamorphosis of this endangered ecosystem from rich wetlands to prosperous agricultural area, from saw grass and sloughs to sugar cane, winter vegetables and cattle. As McCally so clearly illustrates, the need for large-scale restoration is now, "while some remnant of the original environment remains."
And in the wake of the Presidential election, environmentalists feel a renewed sense of urgency for legislation to protect the Arctic National Wildlife Refuge. Debbie Miller has explored the coastal plains, river basins and glaciated peaks of this 19-million-acre region with her husband and daughter, and each chapter of Midnight Wilderness (Alaska Northwest Books, $14.95) is a leg of this unforgettable journey. Miller seamlessly weaves history with nature and culture throughout, eloquently arguing the importance of protecting the refuge for the eternal possibilities of its wildness, not plundering it for the temporary supply of its oil.
agriculture air alternative book building business cancer car carbon climate climate change compost conservation eco emissions energy environmental Environmental Working Group EPA farm food garden global warming green health home house kids NRDC ocean oil organic plastic pollution power recycling renewable solar species sustainable Trump waste water wildlife wind


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Morgan Stanley Global Private Equity Acquires Access Cash
Morgan Stanley Global Private Equity has acquired Access Cash General Partnership ("Access Cash" or the "Company"), a leading Canadian independent service organization that manages the country's second largest network of automated teller machines (ATMs). Morgan Stanley Global Private Equity partnered with the current management team who will remain in place and will hold a significant minority stake in the Company.<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
Access Cash, with offices throughout Canada, manages a network of more than 6,000 ATMs in grocery stores, convenience stores, restaurants, bars, hotels and other merchant locations. The Company is a market leader in the operation of private label (non-bank branded) ATMs and a pioneer in the deployment of bank-branded machines in merchant locations throughout Canada. A leading acquirer of ATM portfolios, Access Cash will continue to augment its organic growth with strategic acquisitions.
Aaron Sack, Managing Director of Morgan Stanley Global Private Equity, said, "We believe Access Cash represents a best-in-class owner and operator led by an extremely talented management team. We are very excited to support management in taking Access Cash to the next level." Jim Howland, Managing Director and Operating Partner of Morgan Stanley Global Private Equity, added, "We are delighted to partner with Access Cash in leveraging its strong platform and industry-leading capabilities to drive substantial growth within the ATM marketplace."
Chris Chandler, Chief Executive Officer of Access Cash, said, "We are proud of the accomplishments of the entire Access Cash team and are thrilled to partner with Morgan Stanley Global Private Equity. We expect this new partnership to help us continue delivering industry-leading service and to take advantage of significant market opportunities."
Access Cash represents the eleventh investment by Morgan Stanley Capital Partners V, the most recent fund raised by Morgan Stanley Global Private Equity, and the third in the business services sector, joining EmployBridge, a leading provider of light commercial temporary staffing services in the U.S., and Zenith, a specialist provider of fleet solutions to corporations in the United Kingdom.
About Access Cash
Access Cash manages the second largest network of ATMs in Canada. Access Cash offers products and services across the ATM network supply chain for over 6,000 ATMs in grocery stores, convenience stores, restaurants, bars, hotels and other merchant locations. Access Cash processes more than 26 million revenue-generating cash withdrawal transactions annually through its network of ATMs deployed in every Canadian province and territory. The Company goes to market under the brand names Access Cash, EZEE ATM and Cash N Go and under a co-branding arrangement with BMO Bank of Montreal. For further information about Access Cash, please visit www.access-cash.com.
About Morgan Stanley Global Private Equity
Morgan Stanley Global Private Equity, part of Morgan Stanley Investment Management, makes private equity and equity-related investments on a global basis. Morgan Stanley Global Private Equity utilizes Morgan Stanley<?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" />'s vast resources, including the Firm's global franchise and relationships with leading corporate management teams and financial sponsors, to source attractive opportunities for its investment funds. Morgan Stanley's roots in private equity investing date back to 1985 with the Morgan Stanley Capital Partners private equity funds. To date, Morgan Stanley Global Private Equity and its affiliated funds have invested over $8 billion of equity across a broad spectrum of industries. For further information about Morgan Stanley Global Private Equity, please visit www.morganstanley.com/privateequity.
About Morgan Stanley
Please contact private.equity@morganstanley.com for additional information.
Media Relations Contact: Matt Burkhard, 212.761.2444


The Grand Venetian condos in the Venetian Islands is one of the popular luxury condo complex in South Beach. 135 units in one of Miami Beach's best locations. Grand Venetian's with spacious balconies, some of them of them with wrap-around balconies. The condo building that offers 24 hour services including valet parking and a front desk concierge.
The Grand Venetian condo Miami Beach allows for a vast array of floor plans from one-to-four bedroom layouts. Residential units come equipped with spacious balconies, floor-to-ceiling windows, European cabinetry, stainless steel kitchen appliances, Kohler brand fixtures, broadband internet access, Jacuzzi tub and roomy walk-in closets.
Grand Venetian Condo Miami Beach for sale and rent. additional information is available as: Previously sold and rented in the last three years, currently pending sales and rentals with real estate transaction and more. Contact us for more information.


This is a board game activity to practise -ed and –ing adjectives. Students think of activities they like and dislike and play a board game with their classmates.
To practise the difference between the –ed and –ing adjectives.
To answer questions with the –ed and –ing adjectives.
Are you bored or just boring PDF board game, one per pair or a small group of 3 or 4.
One die per pair or small group of 3 or 4.
As a class, ask the students for one activity they enjoy, e.g. shopping, and one they dislike, e.g. cleaning – write them on either sides of the board. Ask them to think of adjectives to describe each activity and write them around the activity as they shout them out, e.g. shopping is entertaining, cleaning is boring, etc. Then ask them how these activities make them feel, e.g. shopping makes me feel entertained, cleaning makes me feel bored, etc. Consider using different colours of pens or different areas on the board to highlight the different adjective endings.
In pairs, the students repeat the activity, thinking of three activities they enjoy and three they dislike, using adjectives to describe each activity and how it makes them feel.
Monitor and correct as necessary.
Put the students into new pairs or small groups of 3 or 4. Hand out Are you bored or just boring PDF board game and one die per pair or group.
To obtain a question, the students throw the die twice. The first throw indicates which column they are going to use and the second indicates which row they are going to use.
The players have to speak for at least 1 minute and must answer the question using the adjective in bold.
The game continues in a circle going left and until each student has answered at least 5 questions.
At the end ask the students to name three new things they have learnt about their classmates from the game they have just played.


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Where to go in January for wildlife and nature
With the new year ahead, new adventures beckon and this week animal lovers are in luck…
These epic escapes will have you roaming through Poland's wintry wilds on the hunt for wolves; traversing Africa's diverse landscapes looking for massive primates and huge herds of wildebeest; and heading to the end of world to march amongst the penguins.
An encounter with these gentle giants is truly unforgettable © USO / Getty Images
Track the world's biggest primates in Uganda's dry(ish) season
Gazing into the deep brown eyes of an endangered mountain gorilla is a precious experience: perhaps only 700 or so individuals survive, of which around half roam the dense forests of Uganda's Bwindi Impenetrable National Park. It's an experience you'll need to earn, tackling steep, muddy trails in altitudes up to 3000m, possibly for several hours. But if you snag one of only eight permits available for each of the park's nine habituated families, the rewards are luminous: an hour in the company of these gentle giants (a silverback male can reach 180 kg) is unforgettable. The rest of the country holds its own, too. Nearby Queen Elizabeth National Park is renowned for tree-climbing lions, while you can track chimpanzees in Kibale National Park; beyond the far tip of Lake Albert, the Nile thunders over Murchison Falls, and there's fine trekking in the Rwenzori Mountains.
Trip plan: From Entebbe, Uganda's international airport, fly to Ishasha airstrip for Bwindi. Add time in Queen Elizabeth, Kibale and Murchison Falls national parks.
Need to know: Gorilla tracking permits valid for one day must be purchased in advance, currently US$600 for foreign non-residents (US$450 in April, May and November). Under-15s aren't permitted on gorilla-tracking excursions.
Other months: Dec-Feb & Jun-Sep – driest months, best for trekking; Mar-May – wet, good birding; Oct-Nov – wet, gorilla permits may be easier to obtain.
Track footprints through the snow for a one-of-a-kind animal encounter © Ihar Byshniou / Getty Images
Track wolves and lynx through eastern Poland's epic wintry wilderness
Here be giants: wisent, or European bison – the continent's largest land mammal – stand up to 1.8m high and can weigh nearly a tonne. Białowieża National Park, a sprawling reserve that's part of the primeval Białowieża Forest spanning the borders of Poland and Belarus, is the stronghold of the bison, reintroduced here in 1929 after wild bison became extinct in Europe in 1919; about 500 now live free in the Polish part of the forest. Midwinter is the time for a thrilling expedition tracking bison, wolf and elk (moose) footprints through the snow, and watching for boar, lynx and pine martens. If you don't catch a glimpse of wild bison, be awed by captive-bred beasts at the show reserve. Nearby Biebrza National Park is another winter wonderland, a marshy valley where the big draw is elk – head out to track one of the reserve's 600 residents and you might also enjoy encounters with otters, boars or wolves.
Trip plan: Fly to Warsaw before going east to Białowieża and Biebrza national parks – allow at least four days for the trip to Białowieża alone, a week to include both parks.
Need to know: Temperatures average about -5°C (23°F) in January, and may drop much lower – pack warm clothes.
Other months: Dec-Feb – winter, snowy; May-Oct – warm, good wildlife-watching; Nov & Mar-Apr – cold, can be wet.
Watch wildebeest munch their way across the plains of the Serengeti © Photostock-Israel / Getty Images
Watch hundreds of thousands of grazing wildebeest in the Serengeti, Tanzania
If those images of wildebeest plunging through croc-infested rivers, or of lions stalking the herds across the vast Masai Mara have enticed you, think on this: each of those gnus came from somewhere. And that somewhere is their mother, who fattened up on the grasses of the southern Serengeti before calving in one of the world's great synchronised breeding events, producing up to half a million young each year. January is the time to explore this less-visited patch of Africa, watching herds of wildebeest and zebra as they munch their way across the short-grass plains, stocking up on calories before giving birth from late January – which is also when predator action can be thrilling. Perhaps 1.5 million gnus continue northwest on their cyclical migration around April. During the 'short rains', discounts may be found at some safari camps. You're also close to Olduvai Gorge, the famed 'Cradle of Mankind' known for finds of early hominid remains, and the wildlife-dense Ngorongoro Crater.
Trip plan: Fly into the Seronera airstrip from Arusha, and base yourself at a lodge in that zone.
Need to know: Most non-African nationals require a visa, usually available on arrival at major airports for US$50.
Other months: Dec-Feb – dry, wildebeest grazing; Mar-May – long rains; Jun-Sep – peak season, migration in north Serengeti and Masai Mara; Oct-Dec – short rains.
Creatures don't get much cuter than the fluffy chicks of the Emperor penguin © Jonathan & Angela Scott
Bask in near permanent daylight in the enormous white wilderness at the end of the world
High summer on the Antarctic Peninsula brings endless, warm days – well, it's all relative, isn't it? Temperatures 'soar' to freezing point or even a little higher in the middle of the austral summer. Certainly the locals appreciate it. In January you'll see – and hear – vast penguin colonies at their most raucous, with chicks (hatched at new year) demanding to be fed, and seal pups on South Georgia, while whale sightings rise towards the end of the month. Weather can't be guaranteed, of course, not least on the Drake Passage between Tierra del Fuego and the peninsula – you might get the 'Drake Shake' or just as easily the 'Drake Lake' – but at least in January you have a good chance of sailing among gargantuan icebergs and soaring cliffs while sunshine glints off water and ice.
Mauritius, Reunion & Seychelles
Blessed with superlative landscapes and idyllic beaches, Mauritius, Réunion and the Seychelles offer the best cure for winter blues. Lonely Planet...
Trip plan: Most cruises heading for the Antarctic Peninsula sail from Ushuaia on Tierra del Fuego, southern Argentina, and last around 11 to 14 days. Adding South Georgia increases duration by a few days.
Need to know: The Drake Passage crossing takes at least two days in each direction. It's possible to fly from Punta Arenas (Chile) to King George Island on one or both legs, avoiding the crossing.
Other months: Nov-Mar – summer, Antarctica accessible to tourist ships; Apr-Oct – winter, dark, cold, difficult to visit.
Looking for more inspiration? Check out our book Where To Go When for 360 ultimate escapes from family-friendly adventures to animal encounters and relaxing retreats.


I have been saving up over past couple of years to get my hands on the bose qc20. I was impressed by the noise cancellation when i tried it once at office when a colleague brought it in. Over past so many years, i have listened to sennheisers and a-jays mainly. I am surprised how well they sound even after years of use. Finally when i saw the qc20 prices dropping down to 149 mark over during black friday deals, i knew it was the time. Got my hands on the earphones the next day. Let it go through the usual audio burn-in period (a bit old fashioned in my ways sometimes). Ear tipsmy biggest worry was the eartips before making the purchase. I have always been a fan of the in-ear ear buds and was worried whether the qc20 would stay in. It feels slightly off place if you are like me, used to the deep in-ear ear buds. But the qc20 eartips stays on like in magic. Just find your knack at plugging those in, which you will find in a few days time naturaly. Noise cancellation & audio qualitya lot goes to personal preferences here. But coming in from decent pairs of sennheisers and a-jays, the qc20 failed to impress me to be honest.
I love these had them for 6 months and no regrets. London underground usage works well even in the noisy waterloo line. Pops now and then but that i can handle. When mild wind is around you hear that outside but i expected it. I bought a blutooth receiver so i don't have to plug it in.
I spend a lot of time travelling for work, and a colleague recommended these. One of the best purchases i have ever made and makes travelling so much nicer. They not only drown out the noise of fellow passengers (including screaming children on planes), but they also eliminate the background "hum" of the engine you get on both trains and planes, making it easier to relax. Will often just use these on their own with no music as an comparable substitute for ear-plugs. Some have commented negatively about wear and tear on the cable, but i've had these for a year and still good as new (and they come with a decent carry case).
After trying quiet a few in ear headphones for my daily commute on the train, which either where super uncomfortable, or simply not good enough to let me listen to netflix while the trains rattle along, i decided that it was time to get a decent set and went for the bose quietcomfort 20. I had them for a week now, and i have to say, that these headphones are by far the most comfortable ones to wear that i ever owned. You can barely feel them once they are fitted and i can see why some reviewers say that they can wear them all day long. When it comes to sound quality, i am surely not an expert, but to my untrained ear they sound excellent. The active sound cancellation is also working very well, nearly all of the rolling and wind noises of the train are removed, also i can still hear my fellow passengers to a small extend. The only issue with the noise cancellation that i have experienced so far is that whenever a train passes my train at high speed, the control algorithm overcompensates, which leads to some rather unconformable popping in the ears (hence the 4 stars for sound). With regards to battery life i have not really pushed them to their limits, but there was no issue with them lasting all week long for my commute (about 5h in total). The bose quietcomfort 20 are great, and i can finally enjoy music and movies without having to push the sound level from my phone to the maximum, so i can highly recommend them to everyone that is willing to invest in a good set of in-ear headphones.
I admitt, i have a thing for bose. Speaker-whise, i find them top quality – good range, with adequate bass for their size. Operating the device is straight-forward, the instruction manual explains it well enough. The only reason these headphones do not get 5 stars, is their design regarding the little box which holds the battery and noise cancelling software, i assume. This box is at the end of the headphone wires, very close to any device you want to attach it to. This i find very poor in practicability, since i find it to be very tedious to store this 'setup' in my clothes. The box should have been installed closer to the headphones, where the 2 wires merge, so the box would hang on your chest, or in any other place, which is not the current one. I will see, how durable this device is and report back in a year or so.
Bought the bose as a replacement for an old pair of shures (noise isolation earbuds) and sorry to say that so far the bose feels unremarkable. There is only one positive that i can find with these earbuds, which is that the noise cancellation function works well on a train (the effect is noticeable). On the other hand, i am not particularly impressed by the material and the build of the earbuds (the wires in particular feel flimsy), nor the sound quality (overly bass-y for my taste). Audio quality is marginal compared with my old pair of shures, particularly when listening to podcasts (noise cancellation accentuates vocals and becomes extremely distracting when background voices are audible); overall the bose sounds muted to my ears. On top of that, i do feel a bit nauseous after wearing these earbuds with the noise cancellation on (after searching online a bit, it would seem that this is a common symptom for some users). Overall, i find myself to prefer noise isolation earbuds over noise cancellation earbuds, but that's no fault of the bose and if noise cancellation is a key feature for you, then these bose earbuds do work quite well.
There are a few key biylts if technology i'd never be without now, and if they were to break, i'd buy a new one straight away without need for thought. These earphones are now part of that pantheon. The noise cancelling is world class, the sound is good (audiophiles don't seem to rate it but i have no complaints), the battery life is excellent and they're comfortable. I always used to feel sort of out of it on planes, like i was in a dream or something. Since i started using these, it's a whole new experience. I feel much fresher, and more aware. When you flip that button, even of you're not playing music, all that noise of the engines just fades into the distance. It doesn't completely disappear (although if you're listening to music it effectively will), but instead seems much further away and a lot quieter. Turn it off again and all of a sudden you get bombarded with sound and that's when you realise how amazing this technology is. The best yardstick to judge this product by is the answer to this question: would i buy these again now i've used them a lot in all sorts of environments?.
When you spend so much money on something it can be quite difficult to be objective with a review, unless the product is not up standard and you want to deter others from wasting your money. For that reason, you're likely to only see good reviews for these headphones. I'll attempt to be a little more balanced. For me – the big selling point of these headphones is the great in-ear fit and comfort for long durations of listening and being able to sleep on a plane with them in. If this is what you're after – steer clear of the over or on ear options. Competitors at the in-ear market are sadly scarce. As far as the noise cancellation – these headphones do an excellent job. It's actually quite surreal at first. They do pop as you enter a tunnel or pass another train – this is an issue with all anc headphones i've tried so you'll have to learn to tolerate it. You'll still hear voices with these – perhaps clearer than you otherwise would now that the noise has been eliminated.
Best bose i have had.
Firstly i'm in my 40s with a light desk job and am very careful with things i own so my headphones have not had a hard life. This is the second pair of quietcomfort nc for iphone headphones i have purchased. Either i am unlucky or the quality is not what it should be. The first pair stopped working on the controller and started to fall to bits shortly after the warrenty ran out. I guessed that i had just been unlucky so foolishly bought a second pair. Now after 11 months i need to look to see if i can get my second pair fixed as the controller no longer works. This is a real shame as the sound quality is excellent. I now have two pairs of headphones that don't function. So i can only say – buyer beware, great sound but, i'm my experience (which is only 2 pairs) poor build quality. Edit: phoned bose support and they have replaced the faulty headphones with warranty for free and the older pair at a cost that was lower than retail.


Bleach Vs Naruto 2.4 comes back with new characters in the new version. Hokage and three legendary characters from one of the most talented ninja in the world, Jariya from Sannin will play the main character in this version. Hinata Hyuga, known as Kurenai team member, was added to the game as a call character. In this version, this game offers you 36 main characters and 22 assistants. We wish you good luck in this game. Have fun.


November has been designated as National Diabetes Awareness Month by the American Diabetes Association and the National Institutes of Health. This will be a great month to raise awareness about diabetes among family & friends.
For the entire month of November we are reducing the price on 20 of our most popular products.
We will also be having 2 Special Offer Coupons in recognition of World Diabetes Day. On Sunday, November 14 through Monday, November 15, we will be offering our customers Special Offer Coupons that they can use on our site on those two days.
We're hoping that our customers take full advantage of these offers.
We're happy to do what we can to increase diabetes awareness during this month.
23.6 million children and adults in the United States (7.8% of the population) have diabetes.
17.9 million people have been diagnosed with diabetes.
Another 5.7 million people are undiagnosed do not know that they have diabetes.
1.6 million new cases of diabetes are diagnosed in people aged 20 years and older each year.


Seto Kaiba Coming To Jump Force In May!
Dragon Ball FighterZ Season 2 Pass Revealed!
New DLC for Ni no Kuni II Arriving Tomorrow!
Joker From Persona 5 Coming To Smash Ultimate Tomorrow!
Visual Novel Our World Is Ended Releases Today!


text:
Other Campus Research
ECU Open Access Publishing Support
2021-2022 Open Access Publishing Fund
Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences
Harner, Vern; Munion, Ascher K.; Shelton, Jama
The ongoing COVID-19 pandemic is disproportionately impacting marginalized communities, such as Black, Indigenous, and people of color (BIPOC), disabled individuals, and transgender/nonbinary (i.e., trans) individuals. As trans individuals may be multiply marginalized, it is necessary to examine within group differences among trans individuals of different genders, races, socioeconomic statuses, and abilities. This study examines the following research questions: (1) What is the quality of life of trans adults during the COVID-19 pandemic? (2) How does the self-reported impact of the pandemic vary across groups within the trans community? (3) What preferences do trans adults have regarding receiving a COVID-19 vaccine? Survey data were collected in August/September of 2020. Among a sample of 449 trans adults, findings suggest that the profound impact of the pandemic was not consistent across all community members. Being a woman predicted a higher self-reported impact of the pandemic while being a masc(uline) white respondent tended to predict a lower impact of the pandemic. Higher income was associated with a higher quality of life and being a disabled white respondent predicted a lower quality of life. The majority (99%) of the sample reported wanting to receive a COVID-19 vaccine should one become available. Implications for practice include the importance of considering the holistic experiences of clients and community members, as opposed to having homogenized perspectives of even subsets of the trans community. Future research related to barriers faced when attempting to access a vaccine is needed to inform future public health responses to epidemics/pandemics impacting this community.
Transgender; Nonbinary; COVID-19; quality of life; vaccines
Harner, Vern, & Munion, Ascher K., & Shelton, Jama. (November 2021). Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences. Harner V, Munion AK, Shelton J. Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences. International Journal of Environmental Research and Public Health. 2021, 18(23)(), - 19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences. International Journal of Environmental Research and Public Health. 2021; 18(23):12536. https://doi.org/10.3390/ijerph182312536. Retrieved from http://hdl.handle.net/10342/9695
Harner, Vern, and Munion, Ascher K., and Shelton, Jama. "Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences". Harner V, Munion AK, Shelton J. Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences. International Journal of Environmental Research and Public Health. 2021. . (), November 2021. January 31, 2023. http://hdl.handle.net/10342/9695.
Harner, Vern and Munion, Ascher K. and Shelton, Jama, "Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences," Harner V, Munion AK, Shelton J. Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences. International Journal of Environmental Research and Public Health. 2021 18(23), no. (November 2021), http://hdl.handle.net/10342/9695 (accessed January 31, 2023).
Harner, Vern, Munion, Ascher K., Shelton, Jama. Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences. Harner V, Munion AK, Shelton J. Trans Adults Amidst the COVID-19 Pandemic: Quality of Life, Pandemic Impact, and Vaccine Preferences. International Journal of Environmental Research and Public Health. 2021. November 2021; 18(23)(): . http://hdl.handle.net/10342/9695. Accessed January 31, 2023.


Civil society groups, Bangkok Metropolitan Administration and UNAIDS launch mobile application.
Civil society, public and private organizations and UNAIDS are leveraging advances in mobile technology to empower communities. This innovative partnership grew out of working together to tailor the mobile application – iMonitor+ – to the needs of community organizations. The app for smart telephones and other digital media aims to enable groups to monitor access to HIV prevention and treatment and provide feedback on the quality of those services.
The Deputy Governor of Bangkok, Dr Pusadee Tamthai, the Executive Director of UNAIDS, Michel Sidibé, Public Campaign Officer with the Indonesian AIDS Coalition, Ayu Oktariani and the Director of Service Workers in Group Foundation (SWING) Surang Janyam launched iMonitor+ at an event in Bangkok.
Since early June more than 100 volunteers from five community networks in Thailand, Indonesia, India and the Philippines have been pilot-testing iMonitor+ to provide feedback and adapt the application to each network's specific needs.
In Thailand, the Bangkok Metropolitan Administration (BMA) has partnered with the non-governmental organization SWING to test and fine-tune the application.
iMonitor+ uses GPS technology to locate a user who can then receive information on where to access condoms, HIV testing, counselling and treatment and other key services. If there are stock-outs of antiretroviral medicine and other HIV commodities, the user can send alerts to a central dashboard and be directed in real-time to other services nearby. Users can also report any experience of stigma or violation of their rights in HIV service and other delivery settings to the dashboard. Public health authorities and community partners are working together to resolve as quickly as possible issues raised by the alerts.
The feedback from communities and service providers will ensure continuous innovation and adaptability of the app. This participatory monitoring tool is not only an important community tool for quality assurance and responsiveness of HIV services, but can give people the power to monitor services in many development areas aside from public health and serve as an instrument for improved public accountability.


Filmmaker Barbara Rick is a highly accomplished director, producer, and writer with more than twenty years experience in journalism and documentary storytelling. The recipient of a George Foster Peabody Award and winner of multiple Emmy ® awards and many other industry prizes, Ms. Rick is president and founder of Out of The Blue Films, a nonprofit dedicated to storytelling that explores, articulates, and celebrates humanity.
We designed this website for Barbara to showcase her films and documentary consulting services. In addition to this site we also worked with Barbara on the design of multiple other projects, including branding and the website for Out of the Blue Films and DVD packaging for her award-winning documentaries Road to Ingwavuma, Girls of Daraja, and In Good Conscience.


Sometimes client wish to be extra thorough and check references. If you'd be willing to be potentially contacted, I'd definitely appreciate it. Fill out whatever method best works for you. You will only be contacted if a client requests references.
This section is so we know it's you.
This is the information we'll share with the client. You choose what they see.


Heel height 2.34 inches; Soft Leather; leather sole, narrow toeline, no appliqués, spike heel, varnished effect, solid colour, leather lining.
Heel height 3.71 inches; Soft Leather; covered heel, solid colour, suede effect, open toe, leather, no appliqués, cone heel.
Heel height 2.15 inches; Soft Leather; leather lining, round toeline, solid colour, cuban heel, no appliqués, zip, leather sole.


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Minkang I est un village du Cameroun situé dans le département du Dja-et-Lobo et la Région du Sud, sur la route qui relie Sangmélima à Djoum. Il fait partie de la commune de Meyomessi.

Population
La plupart des habitants sont des Boulou.

En 1962, Minkang I comptait 297 habitants. Lors du recensement de 2005, 143 personnes y ont été dénombrées.

Notes et références

Annexes

Bibliographie
 Dictionnaire des villages du Dja-et-Lobo, Institut de recherches scientifiques du Cameroun, , 103 p.
 Plan communal de développement de Meyomessi, OAL/PNDP, , 223 p.

Liens externes
 Meyomessi, sur le site Communes et villes unies du Cameroun (CVUC)

Village dans la région du Sud (Cameroun)


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Exceptional work that makes the world a better place should never go unnoticed. It should be shouted from the rooftops—and we'd like to help.
Whether you're working at the local, state, or national level, Synodinos Consulting provides the support you need to ensure that your outreach efforts and social marketing campaigns will resonate in your corner of the world.
Your work matters. Every day, people across the country get up and devote themselves to making their communities and our country a better place to live, learn, work, and play. Synodinos Consulting is committed to helping our clients celebrate these victories—then sustaining and expanding the programs effectively through communication and social marketing.
Values matter. We will always honor and reflect the way you choose to work in the world—with your own clients, partners, stakeholders, and the wider public. We will never ask you to reflect values that don't mirror your own.
Relationships matter. Count on us to earn your trust, respond quickly to your needs, and be your champion to get the results you want to see.
Reality matters. We will give you real-world solutions that honor your budget, timeline, and available resources. We will meet you where you are—but we may prompt you to see possibilities you haven't thought of (yet).
Capacity matters. Many great organizations never think beyond the traditional model of hiring an expensive outside firm to conduct strategic planning, communication, marketing, and PR activities. It's possible, however, that a more effective and cost-efficient solution already exists in the people around you. That's why we'll talk with you about the viability of training your staff to build internal capacity—and put people like us out of a job (that's okay with us!).
Results matter. Anything worth doing is worth measuring. Whatever your project, we'll work with you to identify meaningful metrics to measure success.
Learn more about solutions to match your organization's challenges.


MONTRÉAL, April 3, 2019 /PRNewswire/ -- LGC CAPITAL (LGC Capital Ltd.) (LG.V) (LGGCF) ("LGC") announces four new additions to the executive team. LGC Chief Operating Officer, Remy di Meglio, together with both John McMullen and Mazen Haddad, has assembled this team bringing over 90 year's experience with British American Tobacco and Monsanto to LGC. To lead the team, Mazen Haddad will remain as Co-Chairman and take on the additional role of CEO. John McMullen will assume the role as President and Mark Shinners of Arlington Capital will take on the role of CFO. We would like to thank the outgoing CFO Anthony Samaha for his years of service to LGC helping to grow LGC.
Mazen Haddad stated, "The new additions to our team at LGC have already begun to work on integrating LGC's investments to extract the economies of scale due to geographic diversity and mobilizing a full product range to serve our customers throughout Europe, Canada and Australia. This team brings over 90 years of experience from leading global companies like British American Tobacco, Monsanto, WPP and CNN. With a keen understanding of how to grow and handle global supply chains and distribution on a large scale, brand building and consumer intelligence, regulatory legislation and financial governance, they will bring the discipline and rigor required to build LGC into a leading player in the cannabis market. John McMullen will move into the role of President focusing his efforts on various part of LGC's corporate development and working with our banking partners and developing LGC's public investor base."
Richard Widmann 51, EVP Commercial, joins LGC with over 15 years of experience across 4 continents with British American Tobacco (BAT) business operations in Europe and South Africa and Americas most recently serving as Area Managing Director South Central Europe, a top 5 market for BAT. In this role, Richard achieved in excess of 250 million Euros in profit, managed major acquisitions in Central Europe and realized significant brand growth in South Africa. Richard will lead the commercial strategy and build-up of a pan European Hemp/Cannabis enterprise. He will also provide operational direction and will provide and oversight to LGC's partners. Currently he has been assigned to further develop Easyjoint's distribution and corporate development to stay on track for its growth plans.
Alistair Hide 51, VP Corporate and Regulatory Affairs, joins LGC with over 25 years of business experience and corporate regulatory affairs. For the last 5 years, he held the position of Corporate Affairs Director, Europe, Middle East, and Africa with Monsanto International. This role encompassed government affairs, communications and wider stakeholder relations for Monsanto's agricultural businesses. He also brings over 18 years of experience with BAT, most recently as Head of Corporate and Regulatory Affairs, Western Europe Region. Alistair will be navigating the ever changing regulations of this new and evolving industry, allowing LGC to understand the legal requirements and directing LGC to ensure its products are compliant with all regulations in the various markets. In his corporate communications capacity, he will work with regulators to develop a sustainable industry framework.
Mark Shinners, 41, Chief Financial Officer, joins LGC with over 17 year's experience in various senior operational and financial advisory roles spanning across a number of industry sectors including IT, construction, renewable energy and manufacturing. Having trained as a chartered accountant at PwC, Mark went on to hold leadership positions in assurance, corporate finance and financial advisory, providing financial, commercial and strategic advice to multinational companies. Mark served as financial director at Hewlett Packard (Services) in the Middle East and CFO at Chinook Urban Mining Limited, a UK based renewable energy development company. Mark is currently a Director at Arlington Capital. Mark is a Chartered Accountant (ACA), has a Bachelor of Business Studies degree (BBS), a Masters in Accounting & Finance (Macc), a Master of Business Administration (MBA) and is a Chartered Waste Manager.
Through its partners and assuming pending transactions under review by the TSXV are approved, LGC presently will have interests in over 450,000 square feet of planted cannabis in Jamaica, Switzerland, Italy, and Australia. That is expected to increase to over 2,100,000 square feet by 2021, as its portfolio companies execute their expansion plans, in addition to the anticipated licensing of Tricho-Med's operations in Quebec, Canada.


A key switch Orb, switching skills, release skills; 2. Arthas should display in the. Added option for disabling the windows key in Warcraft III, on by default. You can scroll your middle mouse button to tab through unit. Newer Post Older Post Home. Capslock HP bar toggle has been removed in.
Allows user to use alt or ctrl commands to trigger items in Warcraft III. With this you can alter the old graphics and design o Failure to provide this information will result in the issue not being resolved. Follow me on Twitter or Facebook. To be sure that the program has successfully run,an icon should appear in your program tray bottom right hand corner resembling the TFT icon. Much thanks goes to DotA-Allstars. If you play in full screen it's best to keep a+ hotkey dota option off!!!
Press capslock again to remove.
Capslock HP bar toggle has been removed in. Also if your mouse has additional buttons first xota of them are assigned to slots "7" and "8" for quick access.
Press capslock to see HP bars. Added the option to customize hotkeys, you can now use any hotkeys for your inventory. A key automatically after the release of th Read the Readme and the check out the changelog for a+ hotkey dota informations.
Added option for disabling the windows key in Warcraft III, on by default. Capslock HP bar toggle has been removed in its entirety.
Added a+ hotkey dota timer to the HP bars. Program only works within Warcraft III now. Also, if you're using a foreign, non-English version of Warcraft III, and your hp bars do not display, you will need to dot your Warcraft manual for your enemy HP bars display key, along with your ally's HP hotkeh display key. I've removed the "Tabs" function from the middle mouse scroll so.
You can scroll your middle mouse button to tab through unit selections. Press capslock again to remove them. This tool will make Dota players gaming experience more convenient.
Fixed a cross-cultural error in which certain foreign keyboards. Arthas should display in the. Added two new hotkeys for extra mouse buttons: Numpad7 and Numpad8 are now linked to the extra buttons on the mouse some users have.
Run it as administrator 3. This is deactivated by default, use it only when playing in window hotket. Reworked all kinds of functionality scripts, to make things smoother.
Re-worked some in-Warcraft-only code. Also you can change the default hotkeys dlta setting and remap them to any hotkey you want. Cleaned up source code a bit. You can also press your middle mouse button down to trigger the slot "2". Added option to keep the mouse inside the Warcraft III window when you are playing in window mode.


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Overcome with incomprehensible agony, the children of Joe and Irma Garcia turned to their faith Thursday night for comfort
Four children, the youngest just 13, are now left without parents.
Author: Cynthia Izaguirre
Published: 9:14 PM CDT May 26, 2022
UVALDE, Texas — Father Eduardo Morales and an entire community wrapped their arms around the orphaned children of Joe and Irma Garcia during mass at Sacred Heart Catholic Church in Uvalde, Texas, on Thursday.
"I know the families, so it's difficult," Morales said. "Don't let your anger turn into hate. You're angry right now... They're among us through you all."
Those who knew Irma Garcia called her "un amor," a loving woman. Her family said her body was found holding a student, protecting a child who was also killed inside her classroom at Robb Elementary in Uvalde, Texas, where at least 18 other students and one other teacher died Tuesday.
"They were churchgoing people, always willing to help, always seeing what they could do in the community -- not just their children," Morales said. "And I hope that we remember how giving they were."
Two days later, Irma's husband, her high school sweetheart and husband of 24 years died of a heart attack. Friends said the grief was too much for him to bear.
"I just couldn't believe it," Morales said. "I said, 'This can't be happening. Tell them I'm on my way to the hospital.'"
On Wednesday night, Joe and Irma's nephew John Martinez said the family has described this week as a nightmare, that they still hadn't come to terms with losing Irma.
Joe, his nephew said, was a family man who would have done anything and everything for his four kids. Martinez added that the family believes Irma died a hero.
Now, four children -- the youngest just 13 -- are left without parents.
But their pastor and their community were there for them Thursday, including Archbishop Gustavo Garcia-Siller of the Archdiocese of San Antonio, who was in town as well to bless the Garcia children.
In a moving homily, Morales said the Garcia children's mother and father will always find a way to take care of them, but noted that the Garcia family will still need the community's love and support in the days, months and years to come.
"We can move on with our lives and we probably will," Morales said. "Don't forget to call the children."
Uvalde school mass shooting: What we know about the victims
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School threats across North Texas on the rise following Uvalde elementary school attack


STYLEWORKS is an award-winning boutique interior design firm specializing in hospitality, multi-family, higher education, and residential projects. Founded in 2002, we are a dynamic, passionate, and dedicated team of professionals striking balance between purpose and innovation.
STYLEWORKS is founded on the idea that innovative and genuine design is sustainable and lasting. We strive for perpetual growth through education, environmental awareness, and engaging professionally in both the U.S. and in Europe. By weaving together inspired design and thoughtful experience our team executes a client's vision from conception to completion with focus and presence.


Justin Miller and Donovan Tate each had four hits, pacing a 20-hit Eugene attack as the Emeralds rolled to a 17-6 victory over the Boise Hawks. The Emeralds built a 4-run lead in the top of the first, putting up four hits in the frame and never looked back, evening the five game series at one game each.
The two teams meet again this evening in Boise… the series runs through Sunday.


SFC operates a Property Support Service to provide professional advice and guidance to its officers and Board.
Our Property Support Service also provides advice to project sponsors taking forward SFC funded capital projects. Occasionally, assignments issued by SFC may be allocated to a particular college or university, with the primary duty of care moving from SFC to the institution.
Institutions should discuss this support with their Outcome Agreement Managers, or the Capital and Climate Change team.


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Chris Jericho Holds Backstage Meeting About AEW Tag Matches
AEW World Champion Chris Jericho joined the Keepin' It 100 podcast and revealed he had to hold a backstage meeting with AEW talent to discuss the issues going on in the promotion's tag matches. In a number of matches wrestlers had been going in and out of the ring, without tagging, causing confusion on who exactly was the legal man during the bout.
Jericho felt it was necessary to remind everyone that tagging in and out was a necessary part of those matches, specifically bringing up the Lucha Brothers (Pentagon Jr. and Fenix) who had been switching in and out of the matches. (h/t Cultaholic for the transcription.)
"I called a team meeting … the lack of tags and normal tag team wrestling psychology drove me nuts," Jericho said. "It's sort of making excuses for The Lucha Brothers because tagging in and out, they're lazy, they don't care. They walk in and out whenever they want and it's not right. They would make excuses where they would say, 'Oh, it's lucha libre style.' That's funny, I worked in Mexico for two years and guess how you make a tag in a lucha libre match? You stand in the corner and you wait for a guy to touch you and you walk in.
"I called a meeting with the whole crew and said 'You're burying the ref, if you don't have any rules, you don't get any heat, and it's killing our show because our honeymoon period is over, and now people are watching us and they're being confused by the lack of rules.'"
Jericho said once they had the meeting that seemed to clear up any confusion the wrestlers had.
"Once we had a couple of talks with them, guess what they started doing? They started tagging," Jericho stated. "Maybe it was a habit or maybe nobody told them. You have a whole locker room of guys that have just worked indies their whole career and they don't know little things."
Jericho is scheduled to face Jungle Boy in a non-title match on this Wednesday's AEW Dynamite in Corpus Christi, Texas.
Braun Strowman Clarifies What Injury Is Keeping Him Out Of A WWE Ring
WWE NXT Star Daniel Vidot Talks If Wrestling Is His Long-Term Plan, Being A Face Or Heel


Good quality does not have to be expensive as the range of Noiseblocker fans proves.
Good quality does not have to be expensive as the range of Noiseblocker fans proves. Offering incredible levels of performance while being some of the quietest fans on the market it is easy to see why the BlackSilentFan series is one of the most popular around.
- MTBF (25°C) : 80 000 Std.
More links for "BlackSilent Fan XL1 - 120mm"
So quiet and still move plenty of air, I'm gonna be buying more to replace the ones that came with my case.


13 new luxury brands and 15 high end brands have entered the Prague market since 2010.
Some luxury brands entered the market first as mono-brands through partners or multi-brand shops.
Prague is the strategic choice for the majority of luxury and high end brands that want to expand to the CEE region.


Home » Blog » Confessions of an AWMB Intern: What do I Sikh?
Confessions of an AWMB Intern: What do I Sikh?
Confession: I did not used to be proud of my culture. I did not used to be proud to be Sikh. In fact, I used to be embarrassed of my dad who wears the Sikh turban (worn to cover the symbolically uncut hair). Let me explain what changed, what didn't and the part I now let culture play in the early stages of building my career.
First, a disclaimer: this blog isn't intended to be religious (I am nowhere near educated enough for that!), I just wanted to share my story and how I think it ties into the wider struggles South Asians endure with their culture in business and beyond.
Back to my dad, my Papa. On the few days he could get off from his hectic schedule in the pharmaceutical industry, he would pick me up from primary school and wait at the gates with a grin bigger than his turban when his only child would emerge. I would be happy too (daddy time meant fewer rules than mummy time) but that would soon fade when I realised the other little girls sniggering. The sight of a South Asian was mystical enough for them, let alone a turbaned man. I knew I was going to get it the next day; they would make jokes about his "hat", our skin colour and refuse to play with me. This got worse after September 11th but how could I blame kids for mistaking us for Muslims and then assuming all Muslims are wrongdoers when many adults were doing the same?
My key turning point is when I went to do work experience with Papa in the City. Unlike the environments I had been put in, there he was, one of the few South Asians, but utterly admired for being it. I fell into conversation with one of his English colleagues about the "Sikh mentality". He spoke of the religion's key values of hard work, honest living, selfless service, sharing and equality that my dad practised in the office; working overtime and offering to do others' work to get it done, sharing everything from his packed lunch to the credit he received for a project, being highly charitable and most significantly to his juniors, treating them equally or with even greater respect. This time I was embarrassed that I had not known this beauty about my culture, the beauty Papa had upheld so much better than I had ever done. The diversity he brought to the business was needed and celebrated.
And that is something we, as South Asians, Hindus, Sikhs, Muslims, can so easily forget nowadays. The limitations our culture can impose, be they mental or physical, blind us from the positives it brings. I have already touched upon the mental barrier of discrimination. The physical ones for people of various beliefs can be even more challenging. Take my Muslim friend who was raised in an Orthodox family and was initially obliged to pray 5 times a day. However, today she does it willingly and claims she is more organised and disciplined because of it, probably why she is now running her own business at 23. In the past she has also been told where she can and cannot work because she wears the burka, something turbaned Sikhs can also relate to. Just recently, two basketball players were asked to remove their turbans before an international game, leading to a huge uproar from fans on social media (#LetSikhsPlay) and Congress involvement; a campaign is currently being made against the ruling of the International Basketball Federation. Around the world Sikhs have fought legal disputes with schools, employers, industry bodies and governments to be permitted to wear their marks of faith. The battles are ongoing but South Asians are relearning they do not need to disregard their culture to succeed.
Furthermore, culture can be the catalyst to success like it was for my Papa. Now I am definitely not urging you to wear a turban (fashion magazines already seem to be doing this!) but I am encouraging you South Asian Women in business to embrace any part of you, from your morals to your outwards traditions, that differentiates you from the rest. An interesting change that occurred when I stopped separating myself from my culture is that other Asians stopped separating themselves from me; I became more approachable, more relatable. Asian people, whether in my university or jobs, wanted to help me simply because they could identify with my experience. People like the AWMB founders – Panna who has withstood her role in pushy sales teams lacking both women and Asians, and Rupinder, who is well-known in our community as a champion and voice for working British Sikhs. As my internship is coming to end, I want to thank them for connecting me to this network they have grown. I have never been understood, empathised with and supported as much.
And finally, I want to thank you, Papa. You had loyalty to your values even when you were racially insulted at work, even when other businessmen frowned as you refused to let your turban be roughly handled at airport security and even when your own daughter disowned these principles. I may not be very religious and to some I may still be a "coconut", but I am no longer afraid to be myself and I owe that to you.
Businesses are itching to be multicultural. Multiculturalism equals diversity. Diversity equals fresh ideas and knowledge of whole new markets. As I know from being bullied, in the face of prejudice it is hard to embrace your culture, but once you do, it becomes your brand, your unique selling point and your competitive advantage.


Seventy years ago today, Joseph Stalin issued the now famed Order 227, better known among Soviets/Russians as "No Step Backwards!" in which he commanded that any non commisioned soldiers retreating without orders be shot as traitors or sent to penal units mostly permanantly attached to the front lines, and that officers allowing troops to retreat were to be tried for treason.
There are differences of opinion as to the effect of the order from some who say it was widely ignored by commanders who thought provisions having to do with establishing the buffer units ordered to shoot down retreating soldiers were impractical and a waste of manpower, to others who argue that it was greatly responsible for the destruction of the armies of the Third Reich on the Eastern Front.
Krivosheev counts 427,910 enlisted men having been assigned to penal units, although his numbers are in dispute.
I lack the energy for this issue to wade through the arguments but if you want to, start here.
Anyway, the following is the English translation of Jospeh Stalin's famed and terrible order.
c) Form within the limits of each army up to ten (depending on the situation) penal companies (from 150 to 200 persons in each) where ordinary soldiers and low ranking commanders who have been guilty of a breach of dicipline due to cowardice or bewilderment will be routed, and put them at difficult sectors of the army to give them an opportunity to redeem by blood their crimes against the Motherland.


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Manchester's choir community unite to sing Coldplay's 'Fix You' in honour of NHS
The Choir Project Manchester presents 'Fix You' in memory of all NHS and healthcare workers who lost their lives trying to save others
Over 100 powerful voices from across Greater Manchester have come together in a virtual choir to sing Coldplay's Fix You in honour of those lives lost on the front line during the global Covid 19 pandemic.
The virtual choir is made up of singers from The Choir Project Community Choir and The Royal Northern College of Music and Deloitte staff choirs, with guest soloist Kerry Ellis and a reading by poet Tony Walsh.
Over 100 people were involved in the performance, with everyone recording their parts individually at home.
This cover is the brainchild of Manchester musician, Daniel McDwyer, a graduate of the Royal Northern College of Music and an established vocal coach, conductor and arranger.
"It's such a strange time for us all, it's absolutely heartbreaking to think people are risking their lives every day to help us, and devastating to hear about the NHS and health workers who have lost to Covid-19," said Daniel, who currently holds the position of musical director of several other choirs including Bee Vocal – The Manchester Mental Health Choir, Manchester Lesbian and Gay Chorus and Northenden Community Choir.
Following the terror attack on Manchester Arena in 2017, Dan was asked by Manchester city council to be musical director for Manchester Together – With One Voice and helped produce and arrange all music for the event, which was broadcast nationally, bringing together a mass choir of 4,000 singers from over 100 choirs.
Kerry Ellis has become recognised as the leading lady of West End musicals from her starring roles in London and on Broadway. She has also achieved chart-topping success as a recording artist signed to Universal Decca with her debut album Anthems. She landed the role of Meat in the original London cast of We Will Rock You and has subsequently played lead roles in West End musicals Les Miserables, Wicked, Oliver and Cats.
Kerry has also appeared in national tours and concert productions of musicals like Miss Saigon, Chess, The War of the Worlds and Rent. Dan first worked with Kerry in a collaboration with Manchester United Foundation Youth Choir at Old Trafford where they performed her rendition of Anthem.
Tony Walsh has become one of the UK's most widely recognised and most in-demand professional poets. His work came to worldwide attention in May 2017 with a performance broadcast globally from the vigil for victims of the Arena bomb outrage.
This iconic performance, together with Tony's spontaneous closing comment of "choose love, Manchester" was widely credited with helping to define the city's notably defiant, compassionate and creative response to these terrible events.
With subsequent acclaimed performances alongside rock and pop superstars at the One Love fundraising concert and the re-opening of Manchester Arena, Tony – also known as Longfella – was catapulted on to rock festival mainstages and clocked up 3 million views on Facebook for his next poem.
The One Love concert was broadcast and streamed to a global audience of many millions and reached over 15 million people on YouTube afterwards. It was at this concert that Dan first met Tony having both been invited to perform.
"Everyone just wants to help in whatever way they can and a project like this can only happen with the help of a lot of people, from the arrangers to each individual in the choir who has contributed," said Daniel. "On behalf of everyone involved, thank you so much to those on the frontline, risking their life every day, and to those who we have lost, this is for you, you will never be forgotten."
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Got spring projects on your mind?
During the winter months, you see a lot more of the inside of your house. And that may be sparking the urge to make some home improvements. If some do-it-yourself or contractor projects are in your future, take a little bit of time now to help save both time and money down the road.
How will you finance the project? If the project is extensive or expensive, it's time to calculate whether you can afford it. If you consider loans to fund the project, will the improvement to your home be worth it?
Set your budget and do some research so you know realistic costs.
Decide whether you can tackle the project, or whether you'll need help. Think about any risks involved and be realistic about your skills. You'll also want to consider if any expensive tools or equipment will be needed to get the job done right.
If you decide a contractor will be necessary, you'll need to research to find a quality, licensed professional. You'll also need to budget that additional expense.
Consider how the project will add value to your home. Does it make sense? Will it help you keep your home's value in line with other houses in the neighborhood?
Make sure to get all necessary permits. You may have to pay for permits and have your home inspected as work progresses, depending on your local ordinances.
Protect your investment with insurance during and after. Contractors may have insurance, but they may hire subcontractors who don't. And friends of yours who help you out probably aren't covered. Make sure your insurance can cover anyone working on your home. And if the improvements add enough value, consider increasing your property insurance.
Home improvements can add comfort, convenience and additional value. A good evaluation now can keep your costs and stress to a minimum down the road. Good luck on your projects!


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1991 BA is a sub-kilometer asteroid, classified as near-Earth object of the Apollo group that was first observed by Spacewatch on 18 January 1991, and passed within 160,000 km (100,000 mi) of Earth. This is a little less than half the distance to the Moon. With a 5-hour observation arc the asteroid has a poorly constrained orbit and is considered lost. It could be a member of the Beta Taurids.

Description
1991 BA is approximately 5 to 10 meters (15 to 30 ft) in diameter and is listed on the Sentry Risk Table. It follows a highly eccentric (0.68), low-inclination (2.0°) orbit of 3.3 years duration, ranging between 0.71 and 3.7 AU from the Sun. 1991 BA was, at the time of its discovery, the smallest and closest confirmed asteroid outside of Earth's atmosphere. 1991 BA is too faint to be observed except during close approaches to Earth and is considered lost.

Possible impact
Virtual clones of the asteroid that fit the uncertainty region in the known trajectory show a 1 in 290,000 chance that the asteroid will impact Earth on 2023 January 18. It is estimated that an impact would produce an upper atmosphere air burst equivalent to 16 kt TNT, roughly equal to Nagasaki's Fat Man. The asteroid would appear as a bright fireball and fragment in the air burst into smaller pieces that would hit the ground at terminal velocity producing a meteorite strewn field. Impacts of objects this size are estimated to occur approximately once a year. Asteroid  was an object of similar size that was discovered less than a day before its impact on Earth on October 7, 2008 and produced a fireball and meteorite strewn field in the Sudan.

References

External links
 IAUC 5172: 1991 BA; 4U 0115+63; 1990c – (Central Bureau for Astronomical Telegrams 1991 January 21)

Minor planet object articles (unnumbered)
19910118
Lost minor planets
Potential impact events caused by near-Earth objects
19910118


The Jewellery Studio was set up over 35 years ago by Roger Williams, Jewellery Designer and Diamond Specialist. Roger's keen eye for high quality, well cut diamonds, coupled with his extensive knowledge of jewellery design and craftmanship, led to the Jewellery Studio rapidly becoming Cardiff's most popular choice for fine jewellery and jewellery repair work.
Specialising in diamonds, precious stones and bespoke jewellery design, Roger is the ideal person to consult for guidance on your purchase of an Engagement Ring, Wedding Ring or unique piece of Dress Jewellery.
Following in his father's footsteps, Tom Williams grew up with a similar enthusiasm for all things jewellery! With his father's hand skills at the bench, Tom has become an integral member of the Jewellery Studio team, completing repairs as well as hand-crafting his own designs of gold rings, bangles, earrings and pendants in the WorkShop.
At the Jewellery Studio, we specialise in custom designed jewellery. Using Computer Aided Design, we can design and build virtual 3D models of your jewellery commissions, enabling you to see photo-quality images of your piece from all angles before it is made. All design work is completed in-house, so you can have as much involvement as you would like to in the overall design and creation of your piece.
You will find our bespoke jewellery service highly personalised, teamed with an astute ability to translate your individual requirements into reality. We use the finest natural coloured diamonds and gemstones, handpicked for their individual beauty. Coupled with uncompromising craftsmanship!
Hand-crafted pieces of jewellery are available in platinum, palladium, 18ct and 9ct white, yellow and rose gold, and you can select from an extensive range of diamonds and precious gemstones. You will be pleasantly surprised at how affordable bespoke pieces of jewellery can be - because they are made directly by us and sold directly to you. In an world consumed by overseas mass production, we are very proud to be making unique, beautiful pieces of fine jewellery that last a lifetime.
Visit us at the Jewellery Studio, the Gem of Cardiff, and discover why so many people use our Bespoke Jewellery Service.