Ringtones are something that make your cellphone different, showing your point of views, your level of taste and choices. You can make your phone unique by replacing those mediocre beeps, cliche music and corny songs you can hear in every place you've been. So where can you find interesting ringtones? How can you make your customized ringtone out of a favorite piece of music? That's why we post this article, helping you get the funniest sound or music to use as your ringtone.
Let's say you want to use a 5-minute-long music/song as ringtone, but most cellphone support ringtones of 40 to 60 seconds, what would you do? The easiest way is to use MP3 Cutter Joiner Free to cut the music/song into a shorter chunk. Just import the audio file, and then you can perform cutting and some other editing operations on its waveform. Meanwhile, if you already have a ringtone but it sounds so ordinary and you want something cooler, you can also use MP3 Cutter Joiner Free to add some audio effects to make your ringtone ear-catching.
There are many websites that provide countless cool ringtones to download. You can just choose the ringtones to your liking. Many websites provide computer download, allowing you to download ringtones to your computer so that you can move them to your cellphone via USB or other ways you'd like; some will require your cellphone number to send you a direct link to download ringtones on your cellphone without using the computer to save much trouble from transferring; some ringtone services are provided via apps – you need to install the app as required and then download ringtones inside the app. Download ringtones and save some time from making them yourself.
If you already have a favorite song that you want to use as ringtone but it is not in the usable format for your cellphone and not available on any ringtone sites, then some online converter tools may help. Some of the ringtone converter sites like http://m4rmp3.com are super easy to use, providing 1 or 2 popular output ringtone formats. You need to upload your songs onto the site and then convert it on their server, then download the resulting ringtone in the right format. On the other hand, tools like http://online-audio-converter.com are a bit more like a real audio converter, providing multiple output formats and quality options.
Imagine this: you happen to overhear a song from a previous time in a cafe, a shopping mall, in your friend's car or in radio and it keeps haunting you so badly that you want to use it as ringtone. The problem is, you can't find it anywhere else and the people who play it don't even know its name. Then the most efficient way to make it your ringtone may be using audio recorder app like Free Sound Recorder from http://www.freesoundrecorder.net on your laptop to record it while it's being played. Of course it's not limited to songs alone – you can always record funny sound and odd voice of yourself to create the most unique ringtone.
Audio recorder will also work in this scenario but mostly, if you can extract the sound from a video file, the sound quality will be better. There are many online and offline free sound extraction tools out there. Use them to extract the sound of the most interesting part of the video and chances are you may start making some new friends or discover new hobbies of your old buddies when your cellphone rings around them.
If you are a musician or a DJ who knows how to compose, mix music and do all kinds of tweaking to your music, there is no better way to use your masterpiece as your ringtone. Use your composing software like FL Studio to create a piece of new music or music mixing software like Virtual DJ to add coolest elements to popular songs to create a new track. Using a composing program like Ableton Live can also give you the retro chipmunk music and MIDI music as well as hottest techno music at the same time.


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"The truth is that the phenomena of artistic production are still so obscure, so baffling, we are still so far from an accurate scientific and psychological knowledge of their genesis or meaning, that we are forced to accept them as empirical facts; and empirical and non-explanatory names are the names that suit them best."
— Logan Pearsall Smith, Context: The truth is that the phenomena of artistic production are still so obscure, so baffling, we are still so far from an accurate scientific and psychological knowledge of their genesis or meaning, that we are forced to accept them as empirical facts; and empirical and non-explanatory names are the names that suit them best. The complete explanation of any fact is the very last step in human thought; and it is reached, as I have said, if indeed it is ever reached, by the preliminary processes of recognition, designation, and definition. It is with these preliminary processes that our aesthetic criticism is still occupied. "Four Romantic Words" in Words and Idioms : Studies in the English Language (1925), § VI
Logan Pearsall Smith
britisch-amerikanischer Schriftsteller, Aphoristiker und ... 1865 - 1946
"There are three Empires. First there is the Empire which was founded on the tree of knowledge. Then there is the Empire founded on the tree of the Cross. The third is still a secret Empire which will be founded on the tree of knowledge and the tree of the Cross — brought together."
— Henrik Ibsen Norwegian playwright, theatre director, and poet 1828 - 1906
Emperor and Galilean (1873), as quoted by Lester B. Pearson in his address on accepting the Nobel Peace Peace Prize in Oslo, Norway (10 December 1957) http://nobelprize.org/nobel_prizes/peace/laureates/1957/pearson-acceptance.html
"Truth is so obscure in these times, and falsehood so established, that, unless we love the truth, we cannot know it."
— Blaise Pascal French mathematician, physicist, inventor, writer, and Christian philosopher 1623 - 1662
"The truths which we seek so far afield only become valid when we have separated them from this dross."
— Claude Lévi-Strauss French anthropologist and ethnologist 1908 - 2009
Context: I hate travelling and explorers. Yet here I am proposing to tell the story of my expeditions. But how long it has taken me to make up my mind to do so! It is now fifteen years since I left Brazil for the last time and all during this period I have often planned to undertake the present work but on each occasion a sort of shame and repugnance prevented me from making a start. Why, I asked myself, should I give a detailed account of so many trivial circumstances and insignificant happenings? Adventure has no place in the anthropologists profession; it is merely one of those unavoidable drawbacks, which detract from his effective work through the incidental loss of weeks or months; there are hours of inaction when the informant is not available; periods of hunger, exhaustion, sickness perhaps; and always the thousand and one dreary tasks which eat away the days to no purpose and reduce dangerous living in the heart of the virgin forest to an imitation of military service … The fact that so much effort and expenditure has to be wasted on reaching the object of our studies bestows no value on that aspect of our profession, and should be seen rather as its negative side. The truths which we seek so far afield only become valid when we have separated them from this dross. Ch. 1 : Setting Out, p. 17
"As knowledge advances and scientific disciplines change, so do the disciplines impinging on them."
— Eric R. Kandel American neuropsychiatrist 1929
Context: As knowledge advances and scientific disciplines change, so do the disciplines impinging on them. Psychiatry, Psychoanalysis, and the New Biology of Mind (2008)
"It is in applied psychology, if anywhere, that today we should be modest and grant validity to a number of apparently contradictory opinions; for we are still far from having anything like a thorough knowledge of the human psyche, that most challenging field of scientific enquiry. For the present we have merely more or less plausible opinions that defy reconciliation."
— C.G. Jung Swiss psychiatrist and psychotherapist who founded analytical psychology 1875 - 1961
"If dialectical logic understands contradiction as "necessity" belonging to the very "nature of thought," … it does so because contradiction belongs to the very nature of the object of thought, to reality, where Reason is still Unreason, and the irrational still the rational. Conversely, all established reality militates against the logic of contradictions — it favors the modes of thought which sustain the established forms of life and the modes of behavior which reproduce and improve them. The given reality has its own logic and its own truth; the effort to comprehend them as such and to transcend them presupposes a different logic, a contradicting truth. They belong to modes of thought which are non-operational in their very structure; they are alien to scientific as well as common-sense operationalism. … These modes of thought appear to be a relic of the past, like all non-scientific and non-empirical philosophy. They recede before a more effective theory and practice of Reason."
— Herbert Marcuse German philosopher, sociologist, and political theorist 1898 - 1979
"Mathematical knowledge may, just like our scientific knowledge, be deep and broad, it may be subtle and wonderfully explanatory, it may be uncontroversially accepted; but it cannot be certain."
— David Deutsch British physicist 1953
Ch. 10
"We know very little, and yet it is astonishing that we know so much, and still more astonishing that so little knowledge can give us so much power."
— Bertrand Russell logician, one of the first analytic philosophers and political activist 1872 - 1970
"I can't help believing that these things that come from the subconscious mind have a sort of truth to them. It may not be a scientific truth, but it's psychological truth."
— Brian W. Aldiss British science fiction author 1925 - 2017
"The poet's job is to put into words those feelings we all have that are so deep, so important, and yet so difficult to name, to tell the truth in such a beautiful way, that people cannot live without it."
— Jane Kenyon American poet, translator 1947 - 1995
"Contrary to the cartoon history of ideas that prevails today, Darwinism's threat to religion did not come principally from challenging the biblical account of creation. Until a few centuries ago the Genesis story was known to be a myth – a poetic way of rendering truths that would otherwise be inaccessible. At the beginning of the Christian religion, Augustine warned against the dangers of literalism. The Jewish scholars who preceded him always viewed the Genesis story as a metaphor for truths that could not be accessed in any other way. It was only with the rise of modern science that the Genesis myth came to be misunderstood as an explanatory theory. Yet Darwinism was still a major threat to religion, for it confronted Victorians with the prospect of their final mortality. Darwin forced them to ask why their lives should not end like those of other animals, in nothingness. If this was so, how could human existence have meaning? How could human values be maintained if human personality was destroyed at death?"
— John Gray 1948
Cross-correspondences (pp. 21-22)
"Each piece, or part, of the whole of nature is always merely an approximation to the complete truth, or the complete truth so far as we know it. In fact, everything we know is only some kind of approximation, because we know that we do not know all the laws as yet. Therefore, things must be learned only to be unlearned again or, more likely, to be corrected. … The test of all knowledge is experiment. Experiment is the sole judge of scientific "truth"."
— Richard Feynman American theoretical physicist 1918 - 1988
volume I; lecture 1, "Atoms in Motion"; section 1-1, "Introduction"; p. 1-1
"Scientific truth was going to make us so happy and comfortable. What actually happened when I was twenty-one was that we dropped scientific truth on Hiroshima."
— Kurt Vonnegut American writer 1922 - 2007
Context: I thought scientists were going to find out exactly how everything worked, and then make it work better. I fully expected that by the time I was twenty-one, some scientist, maybe my brother, would have taken a color photograph of God Almighty — and sold it to Popular Mechanics magazine. Scientific truth was going to make us so happy and comfortable. What actually happened when I was twenty-one was that we dropped scientific truth on Hiroshima.
"Most students of nature sooner or later pass through a process of writing off a large percentage of their supposed capital of knowledge as a merely illusory asset. As we trace more accurately certain familiar sequences of phenomena we begin to realize how closely these sequences, or laws, as we call them, are hemmed round by still other laws of which we can form no notion."
— William Crookes British chemist and physicist 1832 - 1919
Context: The most helpful quality which has aided me in psychical problems and has made me lucky in physical discoveries (sometimes of rather unexpected kinds) has simply been my knowledge — my vital knowledge, if I may so term it — of my own ignorance. Most students of nature sooner or later pass through a process of writing off a large percentage of their supposed capital of knowledge as a merely illusory asset. As we trace more accurately certain familiar sequences of phenomena we begin to realize how closely these sequences, or laws, as we call them, are hemmed round by still other laws of which we can form no notion. With myself this writing off of illusory assets has gone rather far and the cobweb of supposed knowledge has been pinched (as some one has phrased) into a particularly small pill.
"We should be very careful to distinguish between our knowledge of phenomena and our interpretations of them."
— Alfred Stillé American physician, educator, and writer 1813 - 1900
The Essentials of the Art of Medicine. 1897. p 26.
"One of the principal reasons that diverts those who are entering upon this knowledge so much from the true path which they should follow, is the fancy that they take at the outset that good things are inaccessible, giving them the name great, lofty, elevated, sublime. This destroys everything. I would call them low, common, familiar"
Context: One of the principal reasons that diverts those who are entering upon this knowledge so much from the true path which they should follow, is the fancy that they take at the outset that good things are inaccessible, giving them the name great, lofty, elevated, sublime. This destroys everything. I would call them low, common, familiar: these names suit it better; I hate such inflated expressions.

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24th Jun, 2019
The Real Edinburgh Plague Doctor
Allow us to take you back to the summer of 1645. The worst outbreak of the plague is ravaging Edinburgh. Just to make matters worse it has also taken the life of the city's first Plague Doctor, John Paulitious. Thousands of people have died, in fact, it is believed that at the height of this plague there were only 60 men left to defend the city.
Due to overcrowding within the city walls, the plague spread like wildfire, with fleas on the backs of rats transmitting the disease. Two types of plague hit Edinburgh, killing around half of those that contracted it. The pneumonic plague attacked the lungs, causing coughing which resulted in massive internal bleeding which turned the skin black, hence the name the black death. Then there was the bubonic plague, which caused the sufferer to break out in buboes or boils. These boils were filled with pus, and if they were not treated they would swell to the size of an orange and burst, poisoning the poor sufferer's blood and often resulting in death.
Those suffering from the plague were confined to their homes and instructed to hang a white sheet from the window, they would then be visited by the Plague Doctor. On the 13th of June 1645, Edinburgh's second Plague Doctor was appointed, his name was George Rae.
Dr Rae was considerably more successful than his predecessor in that he lived through the plague outbreak and treated many people, venturing into plague-ridden houses to treat the sick. With the limited and dangerous treatments available at the time, Plague Doctors did all they could to cure the sufferers. This often involved the lancing of the boils to allow the poison to run out. When the wound had been cleaned out it would be cauterised shut, thus sealing and disinfecting the wound.
Dr Rae wore a fairly terrifying outfit to protect him from the airborne miasmas which at the time were believed to cause the plague. A long cloak kept the infectious air from his skin, and he wore a beak-like mask which was filled with spices and rose petals to prevent the miasmas from entering through his nose (although they also would have kept the terrible smell away). Although we now know miasmas were not the source of the plague, Dr Rae's outfit still did its job and protected him from flea bites, meaning he survived the plague… however, his troubles were not over.
As the Plague Doctor wasn't expected to live through the outbreak, the council got a shock when the time came to pay the large salary which Dr Rae had been promised. Dr Rae spent the ten years that followed the last outbreak of 'foul pestilence' in Edinburgh fighting to be paid, and it is widely believed that he died without ever receiving the money.
Without George Rae many more citizens of Edinburgh may have fallen victim to the plague, in fact, we think he was quite the hero.
To discover more about Edinburgh's dark past visit The Real Mary King's Close.
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A part of the challenge is to take the risks of doing it on my own. This does not include travelling between the mountains as friends will assist with driving between locations. I will be wearing a Mario costume on top of the safety equipment as part of the challenge. I understand the risks associated, and I wish to pay respects to the dangers and risks our soldiers are going and been through by partaking in this activity.
Help for Heroes assist British Armed Forces veteran servicemen and women by providing medical, mental, financial and social support that they need. I want to pay respect to our soldiers through this difficult challenge. I will be fundraising through a JustGiving page, and also locally using charity tins provided by Help for Heroes in my sixth form college.
Homepage of Help for Heroes.
This challenge took place on Wednesday, 7 June, 2017.


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Climate Change, COVID-19: How To React to Sensational News
Earth911 Apr 6, 2020 1 Comment
With the outbreak of the new coronavirus, we've seen a deluge of sensational news causing fear and paranoia. Some stories warn against over-caution and denounce the media for blowing out of proportion the severity of this new virus when compared to the mortality rates of the yearly flu. Others emphasize the need for drastic action and the exponential growth of cases, with apocalyptic vocabulary propelling people to stock up on toilet paper and long-lasting food.
This change in narrative happened in the past with the climate crisis. Greta Thunberg, Rachel Carson, and Al Gore all presented messages that used fear as a tactic to incite behavioral change. Although fear may have caused other side effects, like spurring ecophobia in children who feel increasingly helpless and disconnected with nature, 350.org estimates that around 7.6 million people, including many youth, participated in the 2019 climate strikes. Is sensational news a requirement to incite mass mobilization?
When reading the news and assessing the implications for you and your loved ones, it's important to follow a logical approach to maintain your own well-being and reduce stress.
1. Identify the news story's purpose and audience
With all news stories, understanding the purpose and audience is crucial to interpreting the message. The media is a business that earns money based on click-through rates, advertising, and data. Companies and political parties can sway the media to tell stories from their own angle — even disguising sponsored content as legitimate journalism.
For example, Google has banned all mask ads amid the COVID-19 outbreak. However, one could argue that Google is most likely acting out of concern for its own public image and preventing legal action, not necessarily behaving altruistically.
Also, the media tends to focus on the poster children for certain issues, sometimes neglecting the issue itself. In late 2019, for example, much of the conversation around climate change focused on Greta Thunberg. Unfortunately, stories questioned whether she was brainwashed by her parents or fulfilling some hidden agenda, instead of reporting the larger issue of rising temperatures.
Greta Thunberg changed the conversation around climate conversations and made the "youth voice" part of the narrative. Image: Unsplash
2. Take care of your mental health
There's a fine line between caring about world news and advocating for change in the midst of crises — and becoming so overwhelmed that you struggle to find peace.
We need to celebrate small wins and community action in order to gain perspective and spread a healthy dose of hope and positivity. With COVID-19, we can point to Zoom giving out free video conference calls, Justin Trudeau announcing financial aid for low-income Canadians suffering economic instability, and families and friends who are sharing messages of solidarity during these challenging times.
With climate change, we should learn the names of other young activists, including those from indigenous groups, and take heart from these committed individuals who are deeply invested in saving the planet.
Constructive hope about climate change arises when a person understands the seriousness of climate change and concurrently feels there are positive goals within reach for addressing the issue. Young people who have constructive hope about climate change are significantly more likely to engage in positive environmental behaviors, compared with young people who lack hope and those who have hope based on denial of climate change."
— Hope and climate change: the importance of hope for environmental engagement among young people, North American Association for Environmental Education
Hope and fear should go hand-in-hand, calling people to action while maintaining sanity and promoting an imaginative idealism for the future.
3. Appreciate the power of amplified, collaborative action
The media loves sensational news. With the rise of content sharing through social media, it is possible for compelling images and headlines to go viral in a matter of minutes. In the most recent climate marches, Thunberg presented an appealing image: a young, innocent schoolgirl holding corporations and governments accountable for their inaction on climate change with her provocative "I dare you" speech at the UN.
Likewise, with social and environmental issues, we are more likely to rally around emotionally compelling stories, like the doctor who blew the whistle on COVID-19 dying of the same disease, the lifeless Syrian boy on the beach, and the adorable at-risk animals in documentaries like "March of the Penguins."
For many people, coronavirus is hitting much closer to home and having more immediate repercussions in their daily lives than damage caused by fossil fuels and pollution. Research shows how powerful collective paranoia and fear can be. Wharton management professor Sigal Barsade states, "I would argue that emotional contagion, unless we get a hold on it, is going to greatly amplify the damage caused by COVID-19."
COVID-19 is causing us to ask important questions, given how quickly governments, academia, and businesses mobilized and coordinated in response. What if people reacted to climate change with as much urgency as they are responding to this pandemic? Why do certain stories and deaths go uncovered, while we spend days paying tribute to celebrities who have passed away? It's very true, albeit sad, that one death is a tragedy, while a million is a statistic.
Typical image of coronavirus… overcrowded hospitals, face masks, and hoarding of supplies. Image: Unsplash
4. Choose hope and invest in community
The world's a scary place. We may not have all the answers and that's okay. We can't always control our circumstances and we can't control the sensational news, but we can change our response. We can strive to stay informed, reach out to community (even virtually), and take precautionary or preventive measures like social distancing, without losing sight of important values like joy, love, and faith.
The story will keep evolving, getting reinvented once the world tires of one version of the narrative. We must ask ourselves not only which stories we want to believe, but how we can be part of improving the reality.
Leah Davidson is an environmentalist and social entrepreneur from Sherbrooke, Quebec, currently living in San Francisco. She is an alum of the Wharton School of Business, University of Pennsylvania, and was selected as one of the Top 30 Under 30 Sustainability Leaders in Canada by Corporate Knights. Leah currently works as the co-founder of an ed-tech social enterprise Canduit (www.canduit.co).
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Let's face it. Life can be stressful and even overwhelming ...Sarah LozanovaDec 20, 2019
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Home 420 News New Jersey: Applicants Vie For Six New Medical Marijuana Dispensary Licenses
New Jersey: Applicants Vie For Six New Medical Marijuana Dispensary Licenses
Briana Vannozzi
Competition from organizations vying for one of the new medical marijuana licenses is intense. One hundred forty-six applicants are hoping to bring a medical marijuana dispensary to a town near you.
New Jersey's Department of Health has a little under two months to review their requests to run just six new dispensaries in the state.
"Those are broken down 50 in the northern region, 45 in the central and 51 in the southern region," said Jeff Brown, assistant commissioner of the medical marijuana program for the New Jersey Department of Health.
Brown says the process was rigorous and qualifications demanding.
"They range from past business experience, so whether or not an applicant has experience working in a regulated cannabis industry, or other highly regulated industries such as health care or banking, those sort of things. Also looking at their ability to comply with our regulations, so things like record keeping, employee procedures," he said.
The department also looks at how they'll cultivate, manufacture and dispense marijuana. Corporate social responsibility is another big qualification, indicating the commitment and support to the local community they'll be rooted in.
The state can't keep up with demand since adding five new categories of qualifying medical conditions, including migraines and anxiety. There are now roughly 31,000 patients in the program compared to around 17,000 at the beginning of the year, according to the state Department of Health. Every day, officials say they register another 100 patients in the program.
"All eyes are on New Jersey right now in this industry. Nationwide, and even to our brothers and sisters in Canada, we're all looking to see what New Jersey is going to do. To be completely honest with you, there has not been a state yet that has passed legalization or adult use that has gotten it right," said Wanda James, owner of Simply Pure marijuana dispensary in Denver.
James is a Colorado-based entrepreneur. In 2009, she became the first African-American legally licensed to sell marijuana. She says just 1 percent of dispensaries across the nation are minority-owned, so she applied for a license in Paterson and Trenton, hoping to bring her experience and mission for social justice there.
"This is typical in the industry," James said. "The reason why it's typical is lack of funding. This is a $30 million project to be able to get off the ground."
It's the same reason longtime Trenton business owner and community advocate Tracey Syphax wants to open a dispensary. He was convicted of drug-related charges 30 years ago. His record was recently expunged, but he shudders at the thought of those making money off a drug while others serve time.
"Trenton metro can have an opportunity to change that. They can have an opportunity to give those who've been disenfranchised and those who completely are being left out of the mainstream economy, a chance to redeem themselves," Syphax said.
"Whether or not a business involves minority groups, women, veterans in their leadership, and whether or not they're certified as doing so, in total it represents about 5 percent in the total overall score for an applicant. We've also weaved diversity throughout other sections," Brown said.
There are already six dispensaries scattered throughout the state. Some have argued the lengthy distances between make access tough for the elderly or disabled. This plan doubles that by awarding two new licenses each for the northern, central and southern regions.
The Department of Health won't say how many applicants came from within and outside of New Jersey. The winners of the six new licenses will be announced Nov. 1.
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Maternal intake of omega-3 (omega-3) polyunsaturated fatty acids (PUFAs) during pregnancy has decreased, possibly contributing to a current increased risk of childhood allergy. Aim: To describe the effects of maternal omega-3 long-chain PUFA supplementation during pregnancy and lactation on the incidence of allergic disease in infancy. Methods: One hundred and forty-five pregnant women, affected by allergy themselves or having a husband or previous child with allergies, were included in a randomized placebo-controlled trial. Daily maternal supplementation with either 1.6 g eicosapentaenoic acid and 1.1 g docosahexaenoic acid or placebo was given from the 25(th) gestational week to average 3-4 months of breastfeeding. Skin prick tests, detection of circulating specific immunoglobulin E (IgE) antibodies and clinical examinations of the infants were performed. Results: The period prevalence of food allergy was lower in the omega-3 group (1/52, 2%) compared to the placebo group (10/65, 15%, p < 0.05) as well as the incidence of IgE-associated eczema (omega-3 group: 4/52, 8%; placebo group: 15/63, 24%, p < 0.05). Conclusion: Maternal omega-3 fatty acid supplementation may decrease the risk of food allergy and IgE-associated eczema during the first year of life in infants with a family history of allergic disease.


Earlier this summer I took a workshop with Gwen Marston, a world famous quilt artist. She taught the class a technique for creating pieced basket quilt blocks without a pattern and without measuring the fabric. Gwen calls these "liberated baskets." Also, she suggested ways to put these blocks together so that the completed quilt top would be squared up. The workshop was a lot of fun, and this little wall quilt was the result. Click on her name above to go to her web site where you can buy her book,"Liberated Quilts II".
This entry was posted in Quilting, Wonky Baskets. Bookmark the permalink.
Absolutely gorgeous! I love your colors and design. The quilting is spectacular!
It gets cuter every time I see it. Fantastic colors and the quilting is AWESOME ! ! !
Thank you, Ann, for all your kind comments.


The time has come to start planning our 2015 vegetable gardens! Good produce comes from healthy soil; thank you Magnum, Butterscotch and Negrito and Buddy for your contribution!
Don't miss our Windhorse Festival coming up on June 14, 2014!
Hélène's Stables CSA will be relocating this coming year 2018.


Dec. 6 (UPI) — "Men in Black" and "Independence Day" star Will Smith has signed on to host "One Strange Rock," a 10-episode, National Geographic series from filmmaker Darren Aronofsky and producer Jane Root.
The program is slated to premiere in March.
"I am thrilled to have Will Smith on board to guide our series. His charisma, intelligence and humanity will add greatly to the project, helping welcome viewers into this unique narrative about the mind-blowing wonders that make life on Earth possible," Aronofsky said in a statement Tuesday.
Aronofsky's films include "mother!," The Wrestler" and "Black Swan." Root is best known for her work on "America: The Story of Us".


text:
module FeatureHelpers
  module Navigation
    def and_i_should_be_on page, field_hash = {}
      if field_hash.empty?
        get_path page
        return
      end
      case field_hash.keys.first.to_sym
        when :sponsor_name
          sponsor = Sponsor.find_by(name: field_hash[:sponsor_name])
          get_path page, sponsor.id
        when :sponsor_id
          get_path page, field_hash[:sponsor_id]
        else raise('path to specified object is not displayed')
      end
    end

    def get_path page, object_id = ''
      page_path = case page.to_sym
                    when :root_page then hq_root_path
                    when :sign_in_page then new_hq_admin_user_session_path
                    when :new_sponsor_page then new_hq_sponsor_path
                    when :hq_sponsor_path then hq_sponsor_path object_id
                    when :hq_new_sponsorship_path then hq_new_sponsorship_path object_id
                    else raise('path to specified is not listed in #path_to')
                  end

      expect(current_path).to eq page_path
    end

    def and_i_click_button button
      click_button button
    end

    def and_i_click_link link
      click_link link
    end

    def and_i_should_see text
      expect(page).to have_text text
    end

    def and_i_should_not_see text
      expect(page).not_to have_text text
    end

  end
end

redpajama_set_name: RedPajamaGithub


With visitors, comes the sun and all its shine hoping to please. Eager are the skies as they clear the dust and clouds that clutter their wares and display their pristine blue brightness. The animals and children rush forth their greetings and friendships are struck as quickly as cameras appear. Just more family, they say. It's important to stay close in the mountains, where land slides off more land, roads bend sharply decentring you, cold winds chase after you and wilderness lurks. Yet, this holiday season, when all visited, we welcomed them and did our best to keep them warm and safe.
And as they wandered off, back to the plains, so did all sensibility. I smiled, as the wind curdled the dense mist that began to appear, and knew I needed to be on my own to revel in its madness.
Festivities and the atmosphere they bring are travelling with the winter winds that roam these hills. Christmas, Hethai habba and Pongal; all to be celebrated within the next thirty days. Young people flock back to the hills that schooled them with resounding zeal, that can't help but bring smiles to most faces. Families make time for each other as stories are exchanged, foods begin to taste better and the sky turns an even more ridiculous blue. There may be more errands to run, but the warmth they provide is comforting. And for the first time, I feel one with it all; as if this moment was waiting, resting in the depths of these valleys, only to smile warmly at me before rushing forward and swallowing me whole.
It isn't often you find someone who understands when you speak of the socialisation of wild boar and the innate contradiction therein that stares you in the eye. Some conversations allow for as much growth as they do humility. Within these Blue Mountains lie multiple scores of understandings and meanings that, once experienced, leave you feeling humbled and privileged. I wish to remain here and in this way of being; maybe not for always, but for now.
Words seemed to have escaped me temporarily, like the shadows that run wild when my torchlight approaches.
The electricity was one of the many necessities washed away by the rain these past days. With work and dinner invitations, there hadn't been much time to experience its absence. Sunday brought with it horrific winds and a pointed finger at my need for these flowing electrons. With everything from entertainment to meals depending on electricity, I was forced to venture outside despite the weather. At tea & coffee parlours and homes, people huddled together to keep warm with drinks and chatter. As we peered out at the rain and winds that tried their best to fight our spirits, it didn't matter that I didn't entirely understand the words of my neighbours; tea in a dark corner and their voices were enough to remind me that I was home.
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Yesterday we brought you design ideas for adding luxury to your kitchen. Today we're going to focus on living rooms. Like the kitchen, the living room is also a popular room for entertaining. It's also however, the room you go to when you need to relax and unwind. So today's luxury living rooms all contain elements to help you do just that.
The combination of soft, warm lighting, tea light candles and fresh flowers brings a spa like feel to this living room seen on freshome.com. Although the décor is very simple, it is easy to add luxury with a few well-chosen accessories. Take a look at our selection of candles and allow yourself to unwind.
We can't all be lucky enough to enjoy such a stunning view as this one, seen on zillow.com. The good news is, it's really easy to cheat your way into thinking you're at the beach – paint a beach-like mural on one of your walls and turn your furniture to face it. And if that doesn't work, you can always bring nature inside with an indoor garden.
What could be better than snuggling up on a cosy sofa surrounded by the warmth from the fire and watching your favourite movie on a big screen? Make your television the focal point of the room like in this living room from houzz.com and invest in a u-shaped sofa so you have plenty of room to stretch out.
Which luxury living room gets your vote?
For more ideas about how you can introduce an element of luxury into your home, head on over to our Facebook and Twitter pages.


text:
Take off the blindfold and eat!
Published on May 17, 2017 May 29, 2017 Food, Media Releases
Kiwis want to take off the blindfold we have when it comes to buying food. That's the message of the Soil & Health Association, which welcomes the Consumers' Right to Know (Labelling of Country of Origin of Food) Bill currently before a parliamentary select committee. The Bill requires all single component foods, packaged and unpackaged, to display their country of origin.
Soil & Health has been campaigning for mandatory country of origin labelling for over a decade, since the government opted out of joining Australia in mandating country of origin labelling under the Food Standards Code on the grounds it would be an impediment to trade. With the exception of wine, country of origin labelling is only voluntary in New Zealand.
"All of New Zealand's major trading partner countries have country of origin labelling including Australia, the US, the UK, countries in Europe and many Asian countries," says Karen Summerhays, spokesperson for Soil & Health.
"While footwear and clothing is required to identify where it comes from, food isn't. This bill aims to extend that requirement to fresh fruit, meat, fish and vegetables, and other single component foods such as grains, nuts, bulk flour and oil."
"It's becoming more common that New Zealanders are wanting to avoid genetically engineered food, food with pesticide residues, or food coming from countries with poor labour conditions, poor environmental and animal welfare standards, but cannot easily choose to avoid products from those countries when shopping here."
"Pesticide residues in imported food and the health effects of them are an urgent consumer and health issue. Although good labelling exists in some supermarkets, voluntary labelling is often either not working or is poorly utilised, and is definitely not enforceable under the law."
"Consumers must be able to make their own, informed food choices. Mandatory country of origin labelling is a step towards allowing consumers to do this," says Summerhays.
There has been widespread support in New Zealand for country of origin labelling. A recent survey conducted by Consumer NZ and Horticulture NZ found that 71% of Kiwis want mandatory country of origin labelling and 65% said they looked for country of origin labelling when they were shopping.
The submission period for the Bill closes this Thursday the 18th of May at 5pm.
Soil & Health is one of the oldest organic organisations in the world and advocates for the consumer's right to have fresh, healthy, organic food free of GE, pesticides and additives, and the right to know what is in their food and water.
Contact: Karen Summerhays
Spokesperson, Soil & Health Association
Post Tags: #Food labelling
Let's go organic, Jacinda!
FOR IMMEDIATE RELEASE 26 September 2019 The Soil & Health Association is calling on the government to make good Jacinda Ardern's statement to the United Nations that New Zealand is 'determined to show that we can be the most sustainable food producers in the world'. 'Tomorrow school children will lead the School Strike for Climate…
Read More Let's go organic, Jacinda!Continue
Campaigns | Farming | Media Releases | Organics | Soil4Climate
Climate advice means government should support transition to organic, regenerative farming
Today's Climate Commission advice shows we need a transition from synthetic fertilisers and other harmful practices towards organic and regenerative agriculture, said Soil & Health Association spokesperson Jenny Lux today. "Organic regenerative farming is a huge opportunity for New Zealand, both economically and environmentally. Early movers have shown that we can make that shift rapidly….
Read More Climate advice means government should support transition to organic, regenerative farmingContinue
Farming | Media Releases | Organics
Soil & Health joins call for immediate action on farming emissions
The Soil & Health Association is joining other environmental groups calling for immediate action to tackle farming emissions. Consultation on the government's draft Emissions Reduction Plan closes today and environmental groups are united in calling for stronger action. "It's unacceptable that agriculture, our largest emitting sector, is the least developed and most poorly explained aspect…
Read More Soil & Health joins call for immediate action on farming emissionsContinue
Organic farmer new chair of Soil & Health
8 August 2017 A fourth-generation farmer has been selected as the new chair of the Soil & Health Association, following its AGM. Until 2014 Graham Clarke was a sheep and beef farmer for over 30 years in South Otago at Marama Farm, which was certified organic by BioGro for close to 10 years. "I'm passionate…
Read More Organic farmer new chair of Soil & HealthContinue
Media Releases | Organic Community
The organic community mourns Jeanette Fitzsimons
6 March 2020 The Soil & Health Association expresses deep condolences to the family and friends of Jeanette Fitzsimons. Among Jeanette's many roles, she was a patron of Soil & Health for several years. "Jeanette gave wise counsel and was a champion for the organic cause," said Marion Wood, chair of Soil & Health. "She…
Read More The organic community mourns Jeanette FitzsimonsContinue


2017 Meizhi R 900w led grow light lamp, full spectrum, can be used to all growing stages(Seed/Germination, Growth/Vegetative, Bloom/Flower). Professional spectrum ensures high yields with profuse nutrition, such as THC, vitamins. IR light is the key feature in the spectrum, looking not so bright as others, which cell division favors. The R 900w effectively replaces a conventional 700w HPS. Epistar 5w diodes create the ideal amount of usable light for lush, healthy, huge plants. Special Reflector Panel design, 100% LED lumen outputting, mixes lights thoroughly.
Selectable VEG/FLOWER switches deliver maximum performance: Suitable mode enable plants to get the most efficient lights during different growing stages, more energy-saving! Daisy Chain function, connect the lights in a string by our power cord easily! 1260 umol-at the height of 18'', higher than the average! Solid construction ensure long lifespan, no need ballast.
Discreet packaging to protect your privacy! High quality, UL/CE/ROHS certificated, we are applying for ETL certification. Power supply, Fans and wire are Fire-resistant material, more safe! Can be controlled by timer! Noise Level: 56DB, self-cooling aluminum and a unique heat sink design to maximize heat dissipation area.
No secondary lens, 100% lights out, better heat dissipation! Stronger hanging kits are easy to install. Spectrum: White, 450475nm, 620630nm, 650670nm, IR.
Vegetative Coverage (At Height 24'') : 54ft. Flowering Coverage (At Height 18'') : 4.53.5ft. Color of Outer Casing: Royal Blue. Product Dimensions: 22.0512.602.76inches(56032070MM).
Decibel of the light: Around 57 DB. Net Weight: 6.1KG(13.5lbs). View Angle of LEDs: 90/120 Degree Mixed.
Heat Sink Size: 5.044.610.39inches6PCS. Power cord length : 6.56 ft (2 meters standard). MEIZHI R 900w Led Grow Light 1 unit. Power Cord 1 unit(Us standard plug). Indoor used only, non water-proof! Don't stare at the light directly when it works! You may also want to know. If you don't need it, please inform us within 7 days too. (Man-made damage will not be acceptable). MEIZHI will always try our best to solve the problem for you. Don't forget that good communication can solve all problems. We ONLY accept the return for original package. Please make sure that item has NO man-made sabotage. Used items will not be accepted for return.
If you need to return, please check twice to confirm the item not work and contact our customer service representative, let us know the detailed problem and send us some pictures for confirmation. All our lights passed CE, UL, ROHS certificate, our Power supply, Fans and wire all are Fire-resistant material, won't catch fire. We are always trying our best to offer our buyers good products with a cheap price, thank you for choosing our products. We beg for your forgiveness if you do not receive our reply in time. Please resend your message and we will reply to you as soon as possible, thanks.
We will try our best to provide you with the best service and assistance. The item "MEIZHI Reflector 900W LED Grow Light Hydroponics Full Spectrum Indoor Plant Lamp" is in sale since Tuesday, October 18, 2016. This item is in the category "Home & Garden\Yard, Garden & Outdoor Living\Gardening Supplies\Hydroponics & Seed Starting\Grow Light Kits". The seller is "hydroponicseller-usa" and is located in Missisauga. This item can be shipped to Canada.


We're so happy you're here! Welcome once again to the show! We start this one off with Dereck the Chubby Puggle in Dogs We Met This Week. Have you heard about the Bernese Mountain Dog? Well, you'll hear all about it in Mutt Minute! Every so often, we talk about humans on this show. Come, hear the ball of Mr. Dogtruckman in Human Hero! We're so excited to be joined this week by Jeff Wysaski from http://www.pleated-jeans.com/ as he tells us all about Boomer and Freebie! And finally, Otto the dog has set a new world record by skateboarding between a bunch of people's legs!
What an episode! We've got so much great stuff for you! We've got a pretty epic Dog We Met This Week two-fer! And yes, the ladies DO embarrass themselves! In Mutt Minute, a split-nosed non-barking dog! We're joined this week by Margaret Willison of NPR's Pop Culture Happy Hour, Two Bossy Dames and Appointment TV! Spoiler alert, she is aaaaaaa-dorable! She has a long distance dog dedication that'll win your heart! Finally, be ready to have your heart won once again when you learn about a Hero Dog named Sgt. Stubby. He's a hero and you (like us) will wonder why he doesn't have his own animated movie yet!


text:
SEON: Why Fraud-Fighting Needs To Be Accessible to All
Cryptocurrency Cybersecurity Europe Gametech Trending
by The Fintech Times August 19, 2021 August 18, 2021
Fraud is not just something done out of a basement on the other side of the world anymore. Due to accelerated digitisation, online fraud has seen unprecedented growth, especially during and after the pandemic. As some people struggle to make ends meet, turning to a life of fraud where an unsuspecting victim they will never meet suffers the consequences, seems like the easy way to solve their problem. In a time where anyone is susceptible to online fraud, it is crucial everyone has the means to protect themselves.
Jimmy Fong serves as CCO at SEON, the fraud fighters. He has over 13 years within the online payments and fraud space as part of fraud tech pioneers CyberSource (acquired for $2billion by Visa), GlobalCollect (acquired by Ingenico for $1billion and latterly InAuth (acquired by American Express for $250million). His passion is mixing nerdy obsession over technology and hyper commercial growth.
Fong looks at how fraudsters are now sharing expertise, conducting training seminars and creating software tools with just as much expertise as the anti-fraud industry, and that if the public is not careful, by 2025 over $10.5trillion worth of damage could have been done as a result of fraud:
Jimmy Fong, CCO at SEON
There are two basic facts that, while they're not going to surprise anyone who would read The Fintech Times, still bear repeating.
The first is that more people are spending and managing money online than ever before. In 2020, while overall retail sales fell by 1.9%, eCommerce grew by 46%, its strongest growth for over a decade. It has been growing since the first 'dotcom boom' (and bust) of the late nineties, all the way back to the first-ever online sale (a Sting album.)
The second is that online fraud, and cybercrime in general, is also growing. It is expected to grow by 15% per year, causing as much as $10.5trillion in damage every year by 2025. It can affect literally anyone or anything that is online, from individuals to governments, and there are cybercrime groups making as much as any of the companies featured in this publication. The UK is coming to recognise fraud as a national security threat for the damage it does to the country's reputation as a safe place to do business, even though every and any country can be affected by it. Criminals are sharing expertise, conducting training seminars and creating software tools with just as much expertise as the anti-fraud industry.
Neither trend started because of the recent pandemic, but both were accelerated hugely. More people than ever were unable to carry out everyday tasks that they have taken for granted, from paying a cheque into a bank to making a bet on the football or buying takeout, anywhere but online, leading to a generation of 'digital debutantes' who never engaged with the internet's possibilities before. With a general economic downturn across the world, more people than ever are turning to crime to make ends meet, and cybercrime is an easy and relatively safe way to make money if you don't care who is getting hurt.
As a company, we have known from before our founding that fraud was a problem that would only grow. We were co-founded by our CEO and COO, Tamás Kádár and Bence Jendruszák, during their time at university, when they were trying to found central and eastern Europe's first dedicated cryptocurrency exchange but finding that the sheer quantity of fraud made this impossible. Like many companies before and since, they saw that they had two options.
The first was to go to legacy anti-fraud companies. Kádár and Jendruszák found that they couldn't provide what they needed: although their technology was strong, they were slow to deploy new techniques, expensive, and often excluded 'high risk' companies working in fields like cryptocurrency. The second was to develop their own in-house solution – which would eventually become SEON.
We have found that more companies than ever are going on the same journey. Whereas once only the largest companies needed to worry about cybersecurity, with SMEs confident that they would fly under criminals' radar, now any and every company that carries out any kind of transaction online needs to consider what kind of security they need. Few but the largest can develop their own bespoke, in-house solution as we did – it is costly, time-consuming and requires specialist knowledge that is in short supply. Those turning to the big names are finding, as Kádár and Jendruszák did, that many aren't right for smaller, more specialist or just more innovative and agile companies. They are part of the macro move to adopting microservices – single specialised components that can be deployed to suit the complex needs of users today rather than monolithic, costly, all-encompassing platforms that take weeks or months to integrate before protecting users.
We have clients today that include cryptocurrency exchanges, iGaming operators, and major airlines (to name just a few). Though they are hugely varied, what unites them is the feeling that fraud-fighting needs to be accessible. It's not enough for a handful of small companies to decide what their clients need, a problem as widespread and diverse as cybersecurity needs to be tackled in a way that considers the unique needs of the companies looking to reduce risk and manage costs.
So, while legacy companies tie their clients into long service-level contracts we do things differently: offer a month-by-month subscription with a 30-day evaluation period, similar to services that we're all familiar with like Netflix and Spotify. Our API can be integrated into URL, Java, Python and PHP backend environments, allowing it to be integrated into almost any setup in a matter of seconds.
So many companies need to use anti-fraud technology that it is almost impossible to talk about our target audience or ideal customer. However, we have seen a common theme emerge: the need for companies to be able to carry our RiskOps, and to pay for it, on their own terms. Smaller companies, those deemed too 'risky' by legacy anti-fraud providers and larger companies with unique challenges all come to us because we understand them and can give them the protection that they need in a way that will work for them rather than tying them into one-size-fits-all solutions.
The fraud problem is likely to get worse before it gets better, dragging down every kind of company, from multinationals to start-ups, and cutting into the profits of every business that has a digital presence. That means that there should be a multiplicity of approaches, suitable for any type/size of company working at any level in any industry. That is what we provide, and it is why in the face of a worldwide crisis in digital fraud we are going from strength to strength with our customers.
The Fintech Times
Shoppers Can Use hoolah's BNPL Solution on Social Channels Including Facebook and WhatsApp
IDnow on Why NFC is the Pulse of Digital ID Verification, Authentication and Payments
Millennial and Gen Z Demographic Found To Be Most Susceptible To Phishing Emails, Data Reveals
Tyler Pathe May 19, 2021 May 18, 2021
How Technology Continues To Shape the Relationship Between Art and Wealth Management
Tyler Pathe November 15, 2021 December 10, 2021
Enadomant Has Granted 60% Of the $7million Donor-Advised Funds Over the Past Year
Francis Bignell November 7, 2021 November 5, 2021


text:
Officers shot, killed person attacking gas station clerk in Durham, police chief says
Officers kill person attacking Durham gas station clerk, DPD says
DURHAM, N.C. (WTVD) -- Officers shot and killed a person attacking a gas station clerk early Wednesday morning, according to Durham Police Department.
The shooting happened around 3:30 a.m. at the Circle K at the intersection of Fayetteville Road and Highway 54, near the entrance ramp onto Interstate 40.
Police Chief Patrice Andrews said officers were called there about a possible suicide. When they arrived, they found the doors locked and a person inside attacking the store clerk with a sharp object.
Officers broke into the gas station and opened fire, killing the person attacking the clerk. The clerk had serious injuries and had to be taken to the hospital.
"Officers fired shots which struck the assailant, fatally," Andrews said.
Some officers were also injured, but they were treated on scene and did not require hospitalization.
Andrews said that because it is early in the investigation, it is unclear how many shots were fired or where the attacker was shot. The names of the attacker and the clerk have also not yet been released. It's also not yet known whether the clerk and the attacker knew each other.
As is policy when an officer fires their weapon, the State Bureau of Investigation investigates the case.
Donald Hughes, a Durham activist and champion for police reform wondered about the impact the COVID-19 pandemic is having on people's well-being.
"Our officers have a responsibility to respond to calls especially those of an individual being attacked," Hughes said. "They have to show up. They have to do the job they are sworn to do, and we would hope that we don't have to encounter these situations and people can receive the mental health services that they need before it gets to a situation where law enforcement has to arrive."
durhamdurham policeassaultattackofficer involved shootingshootinggas station


Do you know that 59,695 U.S. adults were diagnosed with melanoma, and 8,623 died from the disease in 2008 (the most recent year for which data is available)?
May is Skin Cancer Awareness month and, with summer right around the corner, the ideal time to increase awareness of the importance of the prevention, early detection, and treatment of skin cancer.
Click here to receive "Are You Protected From The Sun?" written by the PartnersRx Clinical staff for even more information on how you can prevent skin cancer.
Spending on specialty drugs — typically high-cost biologic medications to treat complex medical conditions — is growing at a high rate and represents an increasing share of U.S. pharmaceutical spending and overall health spending.
Absence of generic substitutes, or even brand-name therapeutic equivalents in many cases, gives drug manufacturers near-monopoly pricing power and makes conventional tools of benefit design and utilization management less effective, according to a new qualitative study from the Center for Studying Health System Change (HSC).
Despite the dearth of substitutes, cost pressures have prompted some employers to increase patient cost sharing for specialty drugs. Some believe this is counter-productive, since it can expose patients to large financial obligations and may reduce patient adherence, which in turn may lead to higher costs.
Utilization management has focused on prior authorization and quantity limits, rather than step-therapy approaches — where lower-cost options must first be tried — that are prevalent with conventional drugs.
Unlike conventional drugs, a substantial share of specialty drugs — typically clinician-administered drugs — are covered under the medical benefit rather than the pharmacy benefit.
The challenges of such coverage — high drug markups by physicians, less utilization data, less control for health plans and employers — have led to attempts to integrate medical and pharmacy benefits, but such efforts are still in early development.
Health plans are experimenting with a range of innovations to control spending, but the most meaningful, wide-ranging innovations may not be feasible until substitutes, such as biosimilars, become widely available, which for many specialty drugs will not occur for many years.
Specialty drugs — typically high-cost biologic medications used to treat a variety of serious, complex conditions ranging from cancer to rheumatoid arthritis to blood disorders — are an increasing concern for employers and other purchasers.
While specialty drugs are prescribed for only one in every 100 commercial health plan enrollees, these drugs account for an estimated 12% to 16% of commercial prescription drug spending today.
The monthly spending per patient for a specialty drug typically exceeds $1,200.
Spending on specialty drugs is expected to rise dramatically as drugs currently in development come to market during the next decade and beyond.
Mainstream commercial insurance products rarely exclude specialty drugs from their formularies. Once a new specialty drug receives approval from the Food and Drug Administration (FDA) and the health plan's pharmacy and therapeutics (P&T) committee, its addition to the formulary is typically assured. P&T committee review typically focuses on ensuring safe and appropriate use and preventing off-label use, rather than restricting access to specialty drugs. The rare exceptions to this pattern of comprehensive formulary inclusion are found in the few specialty drug classes where many close substitutes exist — for example, growth hormone — and some niche insurance products aimed at individual and small-group purchasers that provide limited benefits to achieve much lower premiums.
Four-tier pharmacy benefit design. For specialty drugs covered under the pharmacy benefit, some employers choose to transfer a portion of the high costs to patients by adding another, higher cost-sharing tier to the standard three-tier pharmacy benefit design. While it is hard to generalize about the multitude of four-tier designs, the practice of transitioning from flat-dollar copayments in the lowest three tiers to coinsurance, where the patient pays a percentage of the total drug cost, in the fourth tier is quite common.
specialty drug coinsurance in the range of 10% to 25 percent.
Within the fourth tier, some employers — especially large employers — retain a degree of financial protection for patients by applying out-of-pocket maximums per prescription fill — for example, $100 to $250 — or per year — perhaps, $5,000.
Obtaining lowest unit price. For specialty drugs covered under the pharmacy benefit, health plans take different approaches to obtain discounted prices from specialty drug manufacturers. It is common for smaller health plans to turn to one of the major PBMs — which all have acquired or developed their own specialty pharmacy divisions — to negotiate unit prices on their behalf, since the largest PBMs are best able to leverage their high volumes to obtain the steepest discounts from manufacturers.
Health plans with high volumes overall — such as the major national plans — or large regional market shares — such as some Blue Cross Blue Shield plans — often find it more advantageous to negotiate prices with manufacturers directly rather than relying on a PBM. Whatever their approach to price negotiations, when it comes to the distribution of specialty drugs to patients, most health plans contract with specialty pharmacies, since these entities have expertise on such matters as special drug handling and patient education.
Some specialty drugs are eligible for rebates on top of the discounted prices. These rebates are typically negotiated by whichever entity — PBM or health plan — is responsible for setting up the formulary and are paid to that entity after the drug has been purchased. Manufacturers are much more likely to offer rebates in drug classes where substitutes are available — for example, rheumatoid arthritis, multiple sclerosis and growth hormone deficiency. The size of rebates typically depends on the PBM or health plan's willingness to grant the drug preferred-product status and place it in lower cost-sharing tiers.
Utilization management. Specialty drugs covered under the pharmacy benefit are subject to more pervasive and stringent utilization management (UM) than those under the medical benefit. Prior authorization, for example, is widely practiced — "nearly universal," according to one respondent — under the pharmacy benefit but far less prevalent under the medical benefit, where retrospective review remains more common. One benefits consultant estimated that specialty drugs under the medical benefit are subject to prior authorization only about 5% of the time.
A major reason is that most contracts between health plans and providers contain no provisions for prior authorization or other UM protocols for specialty drugs under the medical benefit. Health plans are concerned that pushing to add a prior-authorization provision will result in provider resistance and perhaps provider exit from health plan networks. As with provider payment methods discussed previously, respondents suggested that implementing prior authorization under the medical benefit appears to be easier for regional Blue Cross Blue Shield plans whose large market shares give them leverage over providers.
Care management. Experts viewed strong clinical care management as critical to promoting both good health outcomes and cost containment. Key challenges include very sick patients with complex chronic conditions requiring complicated drug regimens, the need to adjust drugs or fine-tune dosage, and strong side effects leading patients to abandon drug regimens. Experts cited cancer and hepatitis C as examples where medications caused such unpleasant, sustained side effects that keeping patients compliant over time was particularly difficult. Several respondents emphasized the importance of a "high-touch" approach to care management, where staff not only has clinical expertise but also the ability to "form personal connections with patients" and motivate them to adhere to demanding drug regimens.
Key drug management strategies that have proven effective for conventional drugs often are less applicable to specialty drugs: The lack of close substitutes for most specialty drugs greatly reduces, or eliminates altogether, the ability of tools like cost-sharing tiers and step therapy to steer patients and providers to cost-effective alternatives. It also sharply limits incentives for drug manufacturers to offer substantial price concessions. In contrast, other tools, such as prior authorization and quantity limits — which can help curb unnecessary or inappropriate use, improve patient safety, and reduce waste — are emphasized more in the management of specialty drugs.
Biosimilars are expected to lead to key breakthroughs in specialty drug management, but their impact won't be seen for many years: The introduction of generic substitutes should allow payers to broaden the use of preferred drug tiers and step therapy, thereby exerting downward pressure on prices. However, achieving therapeutic equivalence — for biosimilar manufacturers — and assessing therapeutic equivalence — for regulators — are likely to be difficult, given the complex nature of biologics. Also, the expensive manufacturing process means that biosimilars may not yield savings as sizable as those achieved by conventional generic drugs. And, it will be an uncertain number of years before biosimilars can make an impact on competition and cost, because (1) innovator products are granted 12 years of market exclusivity and often are protected by patents lasting years beyond that; and (2) the FDA approval process — which has yet to be finalized — is expected to be rigorous and lengthy.
Integration of medical and pharmacy benefits is a goal worth pursuing, but how to achieve it isn't clear: Efforts to overhaul the currently fragmented benefit structure — which can misalign incentives for patients and providers and result in uncoordinated patient management — are in the early stages of development, and results are uneven at best. Equalizing patient cost sharing for specialty drugs regardless of whether they are covered under the pharmacy or medical benefit is probably the most straightforward dimension of integration. Other aspects of integration present tougher challenges. The ability to track utilization and spending under the medical benefit remains limited, which in turn hinders the ability to manage a large segment of specialty drug utilization. Real-time integration of utilization data remains hampered by limitations in claims and billing systems. Also, as office-administered drugs are moved out of the medical benefit's buy-and-bill approach, health plans will have to deal with fallout from physicians who see both their margins and clinical autonomy eroding.
Patient adherence is critical to good health outcomes: As one pharmacy consultant observed, "Price tags and performance guarantees [from PBMs] are one thing, but if you [can't achieve] compliance, it's all a waste." Both financial factors — high out-of-pocket costs — and nonfinancial factors — strong side effects — pose formidable barriers to patient adherence and positive health outcomes. A combination of non-punitive cost sharing and strong care management may reduce these barriers. One benefit design approach that can help make financial burden more manageable is an income-based cost-sharing structure.
Employers should ensure that their specialty drug strategies are aligned with their overall benefits and business strategies: Decisions on specialty drug coverage require tough trade-offs between cost and access. Which cost-access combination an employer chooses will be heavily influenced by competitive conditions in the industry and the geographic and labor markets where an employer operates. Short-term cost containment can have unintended consequences — for example, increased cost sharing leading to reduced adherence to drug regimen, in turn leading to high-cost complications. Such negative impacts come more into play for employers with low worker turnover and those still offering comprehensive retiree health benefits, as these are the employers likely to be paying the bill in the long term for patients currently taking specialty drugs. Cost-benefit comparisons of different drug coverage options will be more accurate if they are able to account for impact on employee productivity — which is hard to measure — as well as direct medical costs.
PBMs' interests may not align with employers' interests: Some employers may be relying heavily on their PBMs to set specialty drug policies, determine specialty drug lists, and pass through discounts from manufacturers, without independently verifying whether their own needs are best served in these arrangements. Employers need to recognize that PBMs' interests can diverge sharply from their own interests, as PBMs don't have the same incentives as employers to limit the volume and the prices of drugs. Because the specialty drug sector is complex and the vast majority of employers lack the in-house expertise to deal with PBMs on an equal footing, many employers likely would benefit from having independent experts assess their PBM contract terms and audit compliance with those terms.
The intersection between religion and business is a heated one, with the most recent flare-up sparked by a provision in the Patient Protection and Affordable Care Act that mandates employers cover the cost of contraception in their health plans. Although the Obama administration exempted houses of worship from the rule, it still requires coverage be made available to employees of religiously affiliated organizations such as hospitals and universities.
The administration has said insurers should ultimately make up any initial costs by avoiding expenses associated with unintended pregnancies. But a survey of 15 large health plans shows they are dubious of such savings.
Asked what impact the requirement will have on their costs in the year to two years after it goes into effect, 40% of insurers said they expect the requirement will increase costs through higher pharmacy expenses.
The survey of pharmacy directors at the health plans was conducted by Reimbursement Intelligence, which advises pharmaceutical, medical device and other companies on reimbursement issues. The firm did not name the insurance plans it surveyed.
Of the health plans, 20% said costs would even out because they already budget for contraception in the premium, 6.7% said it would drive up pharmacy costs but decrease medical costs, while 33.3% weren't sure. None said it would lead to net savings.
The guidelines require insurers to do away with copayments on coverage of preventive care services for women in all new plans beginning in August. A poll from the Kaiser Family Foundation in February showed nearly two-thirds of Americans favor the policy requiring birth control coverage for female employees, including clear majorities of Roman Catholic, Protestant evangelical and independent voters. Sixty-three percent of Americans overall supported it, according to the data.
But Catholic leaders, Protestant evangelical groups, Republicans and other social conservatives rejected the compromise, saying it still violates religious freedom under the U.S. Constitution and would cause economic hardship for self-insured institutions. The controversy has spawned a rancorous debate in Congress as well as a handful of Catholic lawsuits, including a federal suit in Nebraska joined by seven U.S. states.
People who abuse painkillers get their start with pills they received (or took) from friends or relatives according to a study published by Office of National Drug Control Policy.
The ONDCP findings from the Substance Abuse and Mental Health Service Administration's NSDUH covered the periods 2009 and 2010. The study focused on the growing problem of addiction to prescription opiod (narcotic) drugs. These pills include oxycodone, hydrocodone and others.
The more frequently prescription pain relievers are used, the more likely these pain relievers were obtained from doctors or purchased, rather than by getting them for free.
9% were purchased from a friend, dealer, or the Internet.
The pattern was different for long-term abusers.


Crosses is located in Madison County.
Crosses is 1,330 feet [405 m] above sea level.<2>.
Please note that when we give a distance, it's a 'straight-line' distance starting from Crosses and not the distance if driven.<3>.
To learn more about neighboring communities and counties, please visit the Nearby Page for Crosses.
We have a list of cemeteries that are in the area around Crosses. If available, we provide a satellite view of the cemetery.
Using the information from an 1895 Atlas, we've created a list of communities that were in the area of Crosses. Our list includes information such as whether the community had a post office or railroad service in 1895.
We also have a detailed list of newspapers that have been published in the area around Crosses.
Looking for more information about Crosses? A wonderful source is the TripAdvisor website. We always start with the TripAdvisor Tourism page, where you can read an overview with links that will help you find lodging, restaurants and attractions.
While we are unaware of a Tourism page that is specific to Crosses, there are neighboring communities that do have Tourism pages. A map of those communities can be found with our TripAdvisor Page for Crosses.
Unfortunately, we don't know of a website for Crosses. If you can help, please contact us through our Feedback Page.
<2> The elevation is an estimate for the area around Crosses - it will be higher in some places and lower in others.
<3> Our distances are not driving distances, but are calculated as a 'point-to-point' distance. A straight line distance ignores obstructions like rivers, canyons, lakes, et cetera - it's truly a line drawn from Point A (ie- Crosses) to Point B.
Our distance measurements begin at a specific point in Crosses. The point we use is located at these GPS coordinates - Latitude: 35.8742, Longitude: -93.9113 [Map]. In this case, the coordinates for Crosses have been provided by the Geographic Names Information System (GNIS).
<4> Population counts have been provided by the U.S. Census Bureau. For more detail, please visit our Census Page for Crosses.


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Article Updated:	November 29, 2017
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Syria – Damascenes are tremendously proud of their local food
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The researchers are dedicated to studying the international history of Europe and its relations with the wider world from the early modern period until the present
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Despite the advent of new communications and support technology, going it alone in Antarctica is still an incredibly dangerous risk.
The Galápagos Islands, part of the Republic of Ecuador, are an archipelago of volcanic islands distributed on either side of the Equator in the Pacific Ocean surrounding the centre of the Western Hemisphere.
The most exotic of destinations
Canada may not be the most exotic of destinations, but sometimes, exotic is overrated. Canada tempts us with familiarity, blissfully cool weather and...


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The Rucksack represents the adventurer spirit of BennyBee! That is not to say however, that it is just for the travellers out there. Everyday is the adventure you make it! The roll-top design allows you to adjust the size of the bag while offering great weather protection for the items inside. Additionally, you will find a large outer pocket for your easy access necessities and adjustable shoulder straps. You can also customise your bag by adding embossing (font: Calibri 14mm).
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The year was 1962. Kennedy was in the White House and the Space Race was moving full-speed ahead.
The first James Bond Movie was Dr. No staring Sean Connery and Ursula Andress. The Budget for the first James Bond Movie was $1 Million.


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• Maley and Maley, PLLC, has hired Carie Tarte as a senior paralegal. She is the immediate past president of the Vermont Paralegal Organization. In 2013, Tarte earned the registered paralegal designation from the National Federation of Paralegal Associations.
•The Green Mountain Higher Education Consortium has named Corinna Noelke as its first executive director to oversee the combined administrative cost-saving efforts of Champlain College, St. Michael's College and Middlebury College. Noelke has held numerous roles at Middlebury College since 2006.
• Duane Donahue, a 26-year employee of Union Mutual of Vermont Companies, was recently named the outstanding customer service representative of the year for Vermont by The National Alliance for Insurance Education and Research. Donahue is now eligible to become the national outstanding customer service representative of the year.
• James Hathaway has been named CEO of Make-A-Wish Vermont following an extensive national search. In addition to managing the operations of the organization, Hathaway will work with supporters throughout Vermont to promote the Make-A-Wish mission of granting wishes to children with life-threatening medical conditions.
• RSG in White River Junction has hired Nathan Reigner as a consultant in the public lands planning and management group. RSG is a multidisciplinary research and planning firm.
•Vermont Transportation Secretary Sue Minter has been elected president of the Northeast Association of State Transportation Officials.
• Carla Bond, Holly Cluse, and Lynn Reed have been elected to the board of Hands, Helping and Nurturing Diverse Seniors, a Vermont nonprofit striving to fill gaps in getting food to older Vermonters.
• Rehabilitation Therapy at the University of Vermont Medical Center has promoted two employees. Lindsey Fitzpatrick has accepted the clinical lead OT position in the acute care department. Fitzpatrick has been with the University of Vermont Medical Center since 2005. She has provided patient care at multiple sites, most recently acute care. Jaime Kelly has accepted the supervisor position for the satellites and the aquatics center. Kelly has been working at the UVM-Medical Center since 2008 with a strong focus in orthopedics.
• Goddard College has hired Gloria Abbiati as the college's new director of human resources. Abbiati previously held positions as human resources manager and analyst with the State of Vermont's Department of Human Resources and Agency of Natural Resources.


國際企業管理 (International Business Management) 陳弘信助理教授 元智 大學國際企業學系 中國大陸 浙江大學 英國曼徹斯特大學行銷博士. 洪素杏 助理教授 suhsinghung@gmail.com. 本書架構. 個案預覽. 韓國 Cyworld 案例 " 世界鋼王 " 、全球第三大富豪、米塔爾鋼鐵公司 CEO( 拉克希米 · 米塔爾 (Lakshmi Mittal )) 薩爾瓦多在 大理 (Salvador Coffee House). Chapter 1 背景 介紹.
Management of Intangible Assets in Higher Education -¡think academic – act business!. management of intangible assets in higher education. introduction to patent valuation. international patents. pila kick-off meeting, 19-20 january 2009.
Spoken English for International Business -. episode one: arrival of the americans comprehension questions: section 1 1. who is kang li? who is zhonghua yang? 2. where were they at the beginning of the story? 3. who were they waiting for?
The Strategy of International Business -. 8. introduction the focus is on the firm itself and, in particular, on the actions managers can take to compete more effectively as an international business. the strategy of international business.


Primary purpose of this article is to analysis best Sciatic Nerve Treatments. The sciatic nerve is among the longest nerves in the entire body. It begins in the low spinal column and then branches out down each buttocks, thighs, legs and into the feet and toes. The nerve can produce a shooting type pain as well as a "pins and needles" sensation if it's pinched by a herniated disk in among the vertebrae. The pain may also occur when a muscle inside buttock pinches or irritates the sciatic nerve. Here discuss some Sciatic Nerve Treatments: Self-Care, Muscle Relaxants, Oral Steroids, Physical Therapy and Exercise, Surgery and Prescription Grade Topical Pain Cream.


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Con Edison To Report 3rd Quarter 2021 Earnings On Nov. 4
NEW YORK, Oct. 13, 2021 /PRNewswire/ -- Consolidated Edison, Inc. (Con Edison) (NYSE:ED) plans to report its 3rd Quarter 2021 earnings on November 4, 2021 after the market closes.
Consolidated Edison, Inc. is one of the nation's largest investor-owned energy-delivery companies, with approximately $12 billion in annual revenues and $63 billion in assets. The company provides a wide range of energy-related products and services to its customers through the following subsidiaries: Consolidated Edison Company of New York, Inc. (CECONY), a regulated utility providing electric service in New York City and New York's Westchester County, gas service in Manhattan, the Bronx, parts of Queens and parts of Westchester, and steam service in Manhattan; Orange and Rockland Utilities, Inc. (O&R), a regulated utility serving customers in a 1,300-square-mile-area in southeastern New York State and northern New Jersey; Con Edison Clean Energy Businesses, Inc., the second-largest solar developer in the United States and the seventh-largest worldwide, which, through its subsidiaries develops, owns and operates renewable and sustainable energy infrastructure projects and provides energy-related products and services to wholesale and retail customers; and Con Edison Transmission, Inc., which falls primarily under the oversight of the Federal Energy Regulatory Commission and through its subsidiaries invests in electric transmission projects supporting its parent company's effort to transition to clean, renewable energy. Con Edison Transmission manages, through joint ventures, both electric and gas assets while seeking to develop electric transmission projects that will bring clean, renewable electricity to customers, focusing on New York, New England, the Mid-Atlantic states and the Midwest.
View original content to download multimedia:https://www.prnewswire.com/news-releases/con-edison-to-report-3rd-quarter-2021-earnings-on-nov-4-301399764.html
SOURCE Con Edison Inc.
Media Relations, 212-460-4111