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On the eve of Black Friday data breaches, consumers unmoved about sharing financial data
Consumers sometimes care about privacy. Other times, not.
Merchants and payment technologies are working to satisfy both urges.
Zack Miller | November 22, 2018
Black Friday may be the biggest shopping day of the year and it's likely that large firms will continue the tradition of bungling consumers' personal data. Amazon just admitted to losing an 'unknown number' of its customers' email addresses. 2017 was a year to remember (forget?): a record 178.96 million records were exposed in the U.S. So, you might assume that consumers would be very concerned about sharing their payment deets with any merchant at this point. You would also be wrong.
Cool when sharing personal details during an online transaction
On the eve of Thanksgiving, Tearsheet and Branded Research asked over 6,000 people in the U.S. about how they felt sharing their personal details when making online payments. We found that most consumers -- about 59 percent -- have the same level of comfort sharing their personal details during an online transaction as they did last year.
Consumer willingness to share personal data during an online transaction Infogram
Men were about twice as likely as women to say they feel more comfortable sharing personal details when making online payments. About one-third of consumers over age 55 say they feel less comfortable sharing personal details when making online payments. Privacy means different things to different people, and some are very willing to share their data for tangible benefits. "For instance, some people put their life milestones on social media – prioritizing connectivity with friends and family; others allow insurance companies to track their driving for cheaper rates," said Caroline Louveaux, Mastercard's chief privacy officer. "Yet, at the same time, people around the world are increasingly skeptical about the security and protection of their data—this can be a barrier to building trusted relationships. We believe that data must be handled with full respect for the individual."
Freaked out about data sharing between fintech apps and banks
When you start asking consumers about how they feel about their fintech apps and banks sharing data, though, they sing a very different tune. In a survey conducted by The Clearing House earlier this year, nearly two-thirds of respondents said they are very or extremely concerned about the privacy of their data when using fintech apps. Some in the industry are crafting their own response. The Financial Data Exchange (FDX) is a nonprofit trying to unify the financial industry around a common, interoperable, royalty-free standard for the secure access of consumer and business financial data. More than twenty firms -- including Bank of America, Citi, and Chase -- have joined FDX, which operates as an independent subsidiary of the Financial Services Information Sharing and Analysis Center (FS-ISAC).
"A majority of American consumers are highly concerned about data privacy and data sharing when using financial apps," says Lila Fakhraie, co-chair of FDX and manager of the Digital Banking API team, including the data sharing program, at Wells Fargo. "FDX's Durable Data API and operating framework will help address these concerns by allowing the industry to move away from credential sharing and empowering consumers to control account data they share with third-party applications in a standardized way." Mastercard and IBM have taken a different approach. Both firms have co-founded, Trūata, an independent data trust that is designed to anonymize data and conduct data analytics in full compliance with the GDPR. GDPR went into effect in Europe in May and empowered users to take back control of their data. "We saw this milestone as an opportunity to emphasize the role of data for innovation and the respect of the individual's privacy in our day-to-day business," said Mastercard's Louveaux. "With Trūata, we are furthering our commitment to crafting privacy-centric and ethical solutions that bring real, tangible benefits to people and our partners."
People want security but not the pain
There's also evidence that younger generations shy away from online transactions because security protocols have become too onerous. Some consumers prefer e-wallets, a registered online money account which can be loaded and then used for payments. E-wallets, like Venmo and Amazon Payments in the United States, can serve as a database to store payment information, eliminating the need to carry physical payment cards and personal data. "Shopper data is encrypted and safely stored, and in the event of a hack, the only funds exposed are those left after the transaction occurs and not the remainder of the money in the shopper's bank account," said Steve Villegas, vp of partner management for PPRO, a global e-payment provider. Among U.S. consumers, 23 percent of all payments now occur with e-wallets, according to PPRO's recent Payment Almanac research. That's the second most-popular payment option, after cards, which account for 57% of payments. Across other regions around the world like Asia, 49 percent of payments happen within e-wallets such as Alipay and WeChat Pay. Concerned friends have told me that they're starting to use Privacy for things like public transportation payments. The service creates secure virtual cards and completes checkout forms, saving time and money while masking real card details from a vendor. Privacy.com claims to have saved consumers over $100 million in fraudulent transactions, like on declines on cards that weren't from the original vendor.
Vendors offer cake, consumers eat it
Consumers are a finicky bunch. Some vendors have realized offering different options to accommodate preferences towards security and privacy can be a differentiator and really, just a good user experience. One simple example in a banking scenario is to allow customers to define transaction thresholds and conditions – say a push approval request to their mobile banking app. A conservative user may want all ATM withdrawals, all foreign currency transfers and any e-commerce purchase over $25 to be sent to their phone for explicit approval. A more carefree user may choose to only have cash movement above $1500 sent to their phone as they do not want to be 'bothered' by frequent explicit approvals. 'The bottom line is that we all have our own values, viewpoints, degrees of fear and need for control, and, that's ok," said Mike Byrnes, senior product manager at Entrust Datacard. "Many companies have realized the business value of personalization of products and buying experiences – the ones that see the opportunity in extending this to data privacy and security will surely be recommended because we all want to feel like we have a say in how we are treated."
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Member Exclusive, Payments
Payments Briefing: On Gen Z's changing relationship with digital payments
This week, we talk about Gen Z's changing preferences when it comes to sending and receiving money digitally.
We also discuss PayPal's evolving BNPL strategy in a crowded market.
Power of Payments Ep. 21: 10 predictions for the payments industry in 2023
In the first Power of Payments episode of 2023, we discuss what the near future looks like for the payments industry.
Here are 10 trends that are likely to shape the payments landscape this year.
'2023 is the year B2B ecommerce payments become real': 3 questions with Bar Geron, CEO of Balance
As both the B2B payments and ecommerce markets continue to grow, what's in store for their offspring, B2B ecommerce payments?
In this Q&A, Balance co-founder and CEO Bar Geron dives into the rise of B2B ecommerce in 2023.
10 trends that will shape the payments industry in 2023
Tearsheet asked experts in the payments space to share insights on the most important payments trends for 2023.
Key themes for this year involve B2B payments, M&A activity, real-time payments, digital wallets, fraud, sustainability, and more.


Reports on China Petroleum Corp.'s plan for a petrochemical zone in Indonesia. Discussion with Indonesia on feasibility; Further negotiations in March 1994; Construction of Chandri Asri, Indonesia's first cracker.
The article presents a snapshot of the petroleum and chemical sector in China including China Petroleum & Chemical Corp.'s (Sinopec's) 4.3 billion dollars Caofeidian refinery winning final govt approval.
Reports on China Petroleum Corp.'s (CPC) agreement with petrochemical companies to build a plant in Taiwan. CPC's stake in the venture; Key features of the project.


Months after announcing their partnership Siemens and Bentley Systems have introduced PlantSight, a digital solution aimed at increasing efficiency in plant operations. PlantSight enables as-operated and up-to-date digital twins which synchronize with both physical reality and engineering data, creating a holistic digital context for consistently understood digital components across disparate data sources, for any operating plant.
PlantSight feteches data from multiple 3D models including reality meshes in one portal view, allowing rapid access to information that has previously been inaccessible. Every real-world operating plant is characterized by cumulative evolution, both to its brownfield physical condition and to the varied types and formats of theoretically corresponding engineering data. Accordingly, as-operated digital twins must reliably synchronize reflections of both the physical reality and its virtual engineering representations, comprehensively and accurately. Moreover, further frequent changes are inevitable. With PlantSight, every process plant owner-operator can realize the benefits of as-operated digital twins – without disruption to their existing physical or virtual environment.
The company said that for process industries, characterized by ongoing capital projects, the effectiveness of digital twins depends upon the integrity and accessibility of as-operated information presented and continuously updated in trusted 2D schematic and 3D model formats. PlantSight provides all stakeholders with cloud/web-enabled visibility and access into existing data and tool interfaces, assuring that changes are timely and accurately captured and managed.
"From the start of Bentley Systems' strategic alliance with Siemens, we have together seen our development of PlantSight as having perhaps the most significance for our marketplace. Siemens' announced a combination of its digital offerings for discrete and process plants enables our bringing together, through a cloud service, the complementary elements of COMOS, OpenPlant, MindSphere, and Teamcenter. PlantSight can now realize the process industries' top priority in 'going digital'— the digital twin enablement of their operating plant engineering," said Greg Bentley, CEO for Bentley Systems.


by Christopher C. Thompson | 22 December 2017 | I love Christmas! It's the most wonderful time of the year! There's something in the air during Christmas time that's effervescent and intoxicating at the same time.


"Facilitation payments" made to customs officers are common in some parts of the world, and, strictly speaking, they don't violate the U.S. Foreign Corrupt Practices Act (FCPA). But there are complications. The Securities and Exchange Commission published guidance on the issue that states, "The FCPA does not apply to any 'facilitating or expediting payment,' the purpose of which is to expedite or secure the performance of a 'routine governmental action.'" That includes common payments to ordinary officials in foreign countries to complete an action that was bound to be completed in the first place.
Although, updated guidance from the SEC and the Department of Justice issued in November 2012 continues the exception for facilitation payments, the two agencies have used the settlement process through which most FCPA cases are resolved (instead of litigation) to narrow the scope of approved payments, Mondaq notes in a commentary. Specifically, Mondaq says that enforcement is having a greater role in determining the scope of the law than courts through non-prosecution agreements between the agencies and defendants. Cases have included debt collection (SEC v. Summers) and scheduling and performance of required inspections (United States v. Westinghouse Air Brake Technologies).
It's also critical to know foreign countries' anti-bribery laws, which in some cases are stricter than the FCPA.
Even if cases don't go to court, there can be substantial legal fees involved. Does your commercial insurance policy adequately cover your business for arbitration expenses? And have you reviewed your bookkeeping procedures to ensure any payments you do make to foreign officials are documented properly and fully?
At Roanoke Trade, you will find not only insurance to meet your cargo and shipping needs, you will also find experts on international trade and risk management who can help you review your financial protection to make sure you are undertaking the best risk practices and securing the most appropriate insurance possible.


Freshly renovated, the Brossard rotisserie features a sleek and contemporary setting with high-quality materials, black slates and completely revised lighting. With its new St-Hub resto-bar, its ever-changing slate menu, fresh foods that will showcase both Quebec products and Quebec micro-distillery products, St-Hubert is a must-see venue now more than ever! The entire team is waiting for you!
Saturdays and Sundays – 10:00 a.m. to 3:00 p.m.
Discover our gourmet breakfast meals featuring our delicious home-cooked ham! Let yourself be tempted by our generous meals specially created for brunch fans. All brunch dishes include unlimited regular coffee.


The PFM205 Sleeveless jacket microfibre polar fleece body warmer is ideal for those days when you need to keep your body warm , but want your arms to be free. This Stylish Fleece body warmer is made from 240g anti-pill microfibre polar fleece and has a full front zip and side pockets. Cape Town Clothing can brand the sleeveless jacket microfibre polar fleece body warmer with your logo. Send us an image of your logo , tell us how many of these fleece body warmer sleeveless jackets you need and Cape Town Clothing will quote accordingly.
Size chart for PFM205 Sleeveless jacket microfibre polar fleece body warmer.
This fleece body warmer is made from a 240 gram , anti pill , microfibre polar fleece fabric.
This fleece body warmer has a stand up collar.
This fleece body warmer has a full front zip.
This fleece body warmer has two side pockets.
This fleece body warmer can be branded with embroidery.
A fleece body warmer is a fleece jacket without sleeves. It keeps the body warm , while allowing unrestricted movement of the arms. A fleece body warmer is a popular piece of clothing for wearing over a shirt or t-shirt or even a golf shirt. It provides that extra bit of warmth to the body , when needed, which makes it great for corporate clothing or work wear use. A great way to promote your brand is with your logo embroidery on the body warmer. Cape Town Clothing provides the embroidery service as well as the supply of the fleece body warmer. Branded clothing is a great way to promote your brand.


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HOODOO HILLS
written & directed by Tim Kopacz
Cowboys and bandits and cults - oh my!
4/15/17 - 4/22/17
SUMMARY: Cowboy is attacked by Selena, who wants to know what he's carrying and guarding in his bag. He claims it's just a book for birdwatchers, but she's not buying it. She seems to somehow be shooting at him with her fingers, but when he gets a bullet in the foot and she yells in frustration, we learn that the bullets were actually fired by Clem, a not-so-sharp sharpshooter who was hiding nearby. Selena takes the book, which is filled with inscrutable markings. Frustrated with Clem's slowness, mistakes and violent outbursts, Selena slits his throat - and then she tells Cowboy that she's in charge, and he's going to translate the book for her and act as her guide. Or else.
Photos by Brendan Broms
EPISODE TWO (4/22/17)
SUMMARY: Selena has cut off one of the Cowboy's fingers to entice his cooperation. However, Selena's rival, Xena, shows up, also looking to find the Cowboy's secrets. Selena accuses Xena of copying her, right down to having a dumb sidekick - Clem's equally dim brother Lem. The Cowboy tells the pair that the only way to read his book is to spill blood on it - so Xena kills Lem, and has a vision of skullduggery in Roman times. But the Cowboy says the story of the treasure he's seeking goes back much farther than that...
Photos by Aaron Francis
Tim Kopacz
The Cowboy (Eps. 1-2)
Kristyn Chalker
Selena (Eps. 1-2)
Rob Lecrone
Clem (Ep. 1)
Lem (Ep. 2)
Phoebe Kuhlman
Xena (Ep. 2)
Travis Snyder-Eaton Injured Man (Ep. 2)

redpajama_set_name: RedPajamaCommonCrawl


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7 Times Jesus said "I Am"
By Jean Boonstra
As a child, I spent many pre-dawn hours at the pool swimming lengths. Long hours of front crawl, back stroke and always a few clumsy meters of butterfly (not my best stroke). I loved the peaceful repetition of gliding through the water and seeing my form and speed improve with practice. Repetition creates a better athlete and musician, and solidifies a point in writing and speaking.
Jean Boonstra is the Associate Speaker for the Voice of Prophecy. She is the author of several books, including eight in the Adventist Girl series.
View more posts by Jean Boonstra
In the Gospel of John, an all-important phrase, spoken by Jesus, is repeated seven times. Jesus repeats the words "I am." In this repetition we see the fullness of His character.
And Jesus said to them, "I am the bread of life. He who comes to Me shall never hunger, and he who believes in Me shall never thirst." -John 6:35
Jesus spoke these words after a quiet night alone in the wilderness. He fled to this wilderness after the miracle of feeding the 5,000 men (and more women and children) with just five loaves and two fish. Following this miracle and these words, the people, somehow, still asked for a sign that they could believe in Him. After all, they argued, their ancestors had manna. Jesus assured them that although their ancestors were given manna, they were dead. He offered the kind of Bread that those who ate would never die.
Jesus, as the Bread of Life, offers each of us life everlasting.
Then Jesus spoke to them again, saying, "I am the light of the world. He who follows Me shall not walk in darkness, but have the light of life." -John 8:12
Jesus uttered these words to a group that witnessed an incredible scene. Teaching in the temple, a woman caught in adultery was brought to Jesus. As the accusers attempted to trick Jesus by asking if He thought the woman should be stoned, Jesus mutely wrote in the sand. The accusers evaporated and the embarrassed woman was set free with forgiveness and the admonition to turn away from the darkness. Now, turning to the remaining assembled people, Jesus tells them that He is the Light of the world.
Jesus, as the Light of the world, offers a choice between the darkness of sin and the glistening light of a life in His presence.
"I am the door. If anyone enters by Me, he will be saved, and will go in and out and find pasture." -John 10:9
How does God describe Himself to His creation? In John 10, Jesus tapped into something familiar to each of His listeners—shepherding. Likely, the bleats of nearby sheep echoed behind Him as He spoke. Anyone sneaking into a sheepfold by any means than the door was not there legitimately. The only legitimate access to the sheep was through the door.
Jesus is that Door and He alone offers the true path to salvation.
"I am the good shepherd. The good shepherd gives His life for the sheep." -John 10:11
Jesus is the Door and so much more. He is the Shepherd—the One whose voice the sheep know and trust. The Shepherd will protect and save the sheep at any cost.
Jesus, as the Good Shepherd, died to save each of us.
The Resurrection and Life
Jesus said to her, "I am the resurrection and the life. He who believes in Me, though he may die, he shall live. And whoever lives and believes in Me shall never die. Do you believe this?" -John 11:25, 26
Jesus' friends, Mary and Martha, are distraught. Jesus has arrived too late—their brother Lazarus is dead. The grieving Martha hears Him say, "Your brother will rise again," and she responds in faith, affirming that he will rise in the last days. But Jesus has other, more immediate plans for Lazarus.
Jesus, the Resurrection and the Life, will raise all who believe in the last days, just as He raised Lazarus.
Jesus said to him, "I am the way, the truth, and the life. No one comes to the Father except through Me." -John 14:6
Thomas and the rest of Jesus' disciples could not comprehend His leaving them. He warned them—on multiple occasions—but they could not seem to accept it. As they struggled with this, Jesus helped them to see the Father and to understand that they were one.
Jesus, as the Way, the Truth and the Life, is God, and is our only Source of salvation.
"I am the vine, you are the branches. He who abides in Me, and I in him, bears much fruit; for without Me you can do nothing." -John 15:5
As Jesus spoke, the vines hung heavy with ripened fruit throughout the region. His listeners understood the significance of the vine and the dependency the branches had to the source of nutrition and water.
Jesus, as the Vine, is our Source of life—life today and everlasting life.
The Gospel of John records this repeated phrase "I am" seven times. Each repetition adds another layer of understanding of His character until we see His form perfectly.


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Fruit Of The Loom Announces Sock Partnership With Lamour
BOWLING GREEN, Ky. — January 9, 2023 — Fruit of the Loom Inc. is pleased to announce a new partnership and licensing agreement with Lamour Inc., to manufacture and sell Fruit of the Loom® branded socks for the family.
"This strategic partnership will support our continued growth aspirations within the sock category," said Melissa Burgess Taylor, Fruit of the Loom Inc. chairman and CEO. "A proven leader in the hosiery category, Lamour will offer innovative products that deliver the comfort, quality, and styling for which the Fruit of the Loom® brand is known and trusted."
"The Lamour Family is honored to be entrusted to continue the legacy of the iconic Fruit of the Loom brand. Through a strong partnership with Fruit of the Loom and our retail partners, we will deliver exceptional quality and innovation for many years to come," said Marty Lieberman, president, Lamour Inc.
Source: Fruit of the Loom, Inc.


We reserve the right to change this policy and will notify you of any changes. In cases where we do change our policy, we will note the most recent date of our revisions in the Released Date at the beginning of our Policy.
Our website is owned and operated by Kelby & Co., LLC, (the "Company" or "Kelby & Co.").
i. Personally Identifiable Information: We are dedicated to ensuring that you enjoy the use of our Website in a seamless and intuitive manner, and in order to ensure that these goals are met, we may ask you to provide certain information to us that is identifiable to you when you register to purchase something from us us, contact us, or otherwise share information with us in any manner (including blog comments, product ratings and customer surveys). Such information is called, "Personally Identifiable Information," and may include your name, email address, phone number, street address, and any other shipping address. In the event that you choose to order a Membership on our Website, we will also collect certain financial information in order to process your order, which will include your credit card number and billing address. In any case where you communicate with us through a third party website or application, we may also collect certain information the third party has provided. If you contact us directly to report an issue, request a refund, or for other reasons, we may also collect such information specifically noted in our internal files. Such information may be used to communicate with you in marketing emails and in directed emails for specific responses and information. It is always your option to unsubscribe from our marketing materials by notifying us or clicking "unsubscribe" at the bottom of our emails.
ii. Non Personally Identifiable Information: Certain information we collect is provided to us based on your use of our site, which may include demographic information about you, and is called "Non Personally Identifiable Information." This information may include, but is not limited to, your gender, geographic location, and age. We may use such information to provide you with a better quality experience on our website by analysis of such data. We may also report such information to outside Third Parties when we provide information about our Website.
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We require that the use of our website is limited to those 18 years and older. In cases where we have unintentionally collected information about a person who is less than 18 years old, we reserve the rights to discard such information and terminate the account.
California Privacy Law: The State of California allows for its residents to request certain information as to how their information is shared with outside Third Parties. If you are a resident of California and would like to request such information, please contact us directly using the form on our website for inquiries or email us at hello@kelbyandco.com.


Members of a quilters' guild stitched the red, white, and blue blocks in this lively quilt. The lucky quilter who won all 20 Ohio Star blocks in a drawing creatively combined them with sashing. Finished quilt: 57x69". Finished Ohio Star block: 9" square. Designer: Jill Reber.


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Hillary Clinton's potential impact on Canada – viewpoints and realities
by CanadianSailings | Sep 11, 2016 | Alan M. Field, Business and Economy, Government and Regulation, Other
By Alan M. Field
What kinds of changes would an American Administration run by Hillary Clinton mean for Canada and Canadians? How might it differ – either positively or negatively – from a future Administration of Mr. Trump or from the ebbing Administration of President Barack Obama? Does the extent and quality of support and antipathy for Hillary in Canada differ in any meaningful ways from that in the United States? If so, might that make any difference on how Hillary would interact with Canada and its leaders?
As the horserace of the long U.S. Presidential election enters the "home stretch," it does little good to search the campaign rhetoric of Hillary Rodham Clinton for clues about how to answer these questions. Truth is, Mrs. Clinton has said almost nothing directly related to Canada, except for stating her opposition to the Keystone XL pipeline. Elsewhere, one has to read between the lines of Hillary's statements on broader global issues – such as her opposition to the Trans-Pacific Partnership that would incorporate Canada among its 12 members – and examine the emotional and rational arguments of her supporters and detractors.
A unique affinity with Canada
Despite the fragility of her support in the United States, suspicions of Hillary run less deep in parts of Canada – especially British Columbia and Quebec — than in much of the United States.
In the survey, conducted by Insights West last week, 79 per cent of respondents said they are "very concerned" or "moderately concerned" about the possibility of the Republican nominee becoming the President of the United States. That means four out of every five Canadians say a Trump White House would be bad for Canada. In contrast, in anther poll, forty-seven per cent of Canadians believed Clinton would be "good" or "very good" for Canada. Among Canadians, Hillary was most popular among Quebec voters, and perhaps surprisingly, even more popular among men in that province – 48 per cent – than among women, where she garnered support from 47 per cent. In part, Canadian views of Hillary (as with Mr. Trump) reflect both rational and emotional reactions to how they perceive Hillary's personality and character, as well as her political positions.
Beyond their distrust of Mr. Trump, some portion of the emotional support for Hillary in Canada may be grounded in the fact that Hillary's maternal grandmother, Della Martin, descended from a large family with French-Canadian roots, Clinton wrote in her well-publicized 2004 memoir, Living History. In 2007, genealogist Gail F. Moreau-Des Harnais, at the French-Canadian Heritage Society of Michigan, confirmed that French emigrants, departing from the town of Perche, 100 miles west of Paris, France, were among Hillary's ancestors. According to her research, Clinton's roots can be traced back to Jeanne Ducorp (circa 1649-1727), sometimes known by the surname Leduc. Ducorp was one of the "King's Daughters" (Filles du Roy), hundreds of women who arrived in New France, sponsored by Louis XIV, to strengthen the colony sparsely populated by single men; and then married a Quebec metal worker named Martin Masse around 1670. More politically enticing to some Canadians, Moreau-Desharnais has also traced Clinton's genealogical roots to some common ancestors of Prime Minister Justin Trudeau (and, of course, to his father Pierre).
Although Mrs. Clinton has barely mentioned Canada during her residential campaign, her 2004 memoir mentioned the country several times, with apparent affection. This includes accounts of her state visits with newly inaugurated President Jimmy Carter to honour Pierre Elliott Trudeau, then Canada's Prime Minister. Some supporters of Hillary have fondly recalled her longstanding relationship with Canada. Gordon Giffin, a former American ambassador to Canada, told the Canadian Press in an interview about how Hillary, then First Lady, surprised everyone with her insistence that she get to glide across an icy Rideau Canal during a state visit to Ottawa in February 1995, despite resistance by the U.S. Secret Service. Giffin said in the interview, "That may be a small thing to people, but how many people who've lived in the White House do you think have ever heard of the Rideau Canal and would recognize that you skate there? That's an intensity of knowledge and affinity for Canada."
On the other hand, other Canadian connections are still being used by her political opponents to attack her integrity. In an unflattering book about the Clinton family finances — Clinton Cash: The Untold Story of How and Why Foreign Governments and Businesses Helped Make Bill and Hillary Rich – author Peter Schweizer documented how Vancouver mining magnate Frank Giustra's globe-trotting adventures with Bill Clinton have coincided with various lucrative business deals undertaken by contributors to the Clinton Foundation. The book, which alleges a link between charitable contributions and lucrative contracts awarded to Giustra's uranium-mining company, has been dismissed by Giustra and the Clintons as riddled with errors and innuendo.
Less unpredictable than her Republican opponent?
What impact, if any, such an affinity might have on President Hillary Clinton remains to be seen. What kind of changes in U.S. policy might Canadians expect from a Hillary victory? Although Hillary ultimately opposed the Keystone XL pipeline that Prime Minister Trudeau supported, both have called for a new climate agreement between Canada and the U.S., The Liberal Party expressed its support for Hillary's policy paper, calling for future climate negotiations between the U.S. and both Canada and Mexico. "The Liberal Party is firmly in favour of Ms. Clinton's proposal," said Liberal spokesman Dan Lauzon. "The Prime Minister and Ms. Clinton have both indicated an interest in clean growth and new infrastructure to fight climate change." Trudeau told a clean-tech conference in Vancouver that his government was committing $50 million towards greener building and infrastructure codes. Echoing such an approach, Hillary's campaign website posted a "comprehensive plan for making existing energy infrastructure cleaner and safer, unlocking new investment, and forging a climate compact with Canada and Mexico to reduce greenhouse gas emissions and accelerate clean energy deployment across the continent."
Conservative critics of the Trudeau government are not impressed with Hillary's gradual move toward more 'progressive' – that is to say, left-leaning – policies. Nor do they apparently put much store in the importance of her knowledge of Canada or affection for its culture. Writing shortly after the completion of the Democratic National Convention in Philadelphia, Terence Corcoran, a National Post columnist, criticized Mrs. Clinton on grounds that her personality, like that of Mr. Trump, was "alarmingly erratic" – given her carelessness in the scandal surrounding the management of her private e-mail server, during her tenure as Secretary of State (2009-13). Under her leadership, Corcoran warned, the United States would adopt leftist public policies that damage Canada. "At stake are the economic policies of the richest, most powerful country in the world, and in that contest Canada and the world would be better off without the Big Government regime envisioned in the 2016 Democratic Party Platform. The Democrats, under the influence of collectivists and socialists such as Bernie Sanders and Elizabeth Warren, are clearly driving the party's policy regime off the centrist track and turning sharply left. Compared with the Trump-influenced Republican platform, on just about every important economic issue facing America and the West, the Clinton Democratic agenda promises to make the U.S. government a vastly more interventionist and statist regime. From climate and energy to trade and spending, the Democrats are tilting dangerously away from sound policy — and they could take the world with them."
Corcoran argued that Canadians "might recoil at Trump's persona and antics, but nothing about the Democratic program would be good for Canada. On climate, trade and energy, Canada could be left out in the cold" because Hillary's rejection of the Trans-Pacific Partnership, championed by President Obama, and her sudden turnaround against NAFTA, which she had supported since its enactment in 1994. "If bad policy drives America, whether it's rising debt or financial activism, Canada will feel the whiplash." In an effort to win the Presidency in November, Corcoran added, Hillary had been pressured to win over left-leaning Bernie Sanders' base of supporters by assaulting "the American foundations of free markets and self-sufficiency."
When it comes to trade issues, the Democratic Party platform is "a mess of historical contradictions," added Corcoran. "The platform says the party will 'oppose all trade agreements that do not support good American jobs, raise wages and improve U.S. national security.' As for NAFTA, Clinton has swung both for and against, depending on the audience and the time."' Like Mr. Trump, the Democrats say that they would kill the Trans-Pacific Trade Partnership negotiated by President Obama and backed by the Canadian government and industry.
Not everyone agrees that a Hillary Clinton Administration would really have a dire impact on Canada. In a recent study, researchers at CIBC World Markets concluded, "Historically, Democratic Administrations have been more favourable for Canadian growth, whether or not there is a direct cause and effect," according to CIBC economists Royce Mendes and Avery Shenfeld. "If one took Trump's statements at face value, his inauguration would raise a number of risks on trade, monetary and defense policy of relevance to Canada, while being supportive on the pipeline front," they added, referring to the pitched battle over TransCanada Corp.'s now-blocked Keystone XL project.
They added that Mr. Trump's proposals would represent an "aggressive assault" on debt, which would hurt North American economic growth, and that his Administration's "trade barriers could help Canada in some ways but hurt in others." On the other hand, because Mr. Trump's own policy views have zigged and zagged in several directions – and continue to change without notice – a definitive analysis of the impact of a Trump administration is impossible. As the CIBC researchers wrote, "Since his own platform has seen considerable shifts, and Congress might block some of the more radical proposals, it's less clear what the final policy slate would be like from a Canadian perspective."
A negative impact on Canada's oil exports
On the other hand, "the longer-run outlook for a significant growth in the value of Canada's oil exports to the U.S. is not promising," casting a pall over Canada's future growth, noted Stephen Globerman, a senior fellow at the Fraser Institute. Over the past 18 months, Canada's trade performance has deteriorated markedly, he said. In early August, Statistics Canada reported that for the April-June 2016 quarter, Canada's trade deficit with the world widened from C$6.4 billion in the first quarter of 2016 to a record C$10.7 billion.
He added that with a likely victory of Hillary in November, the current U.S. policy of promoting alternative energy sources "seems a bet." In such a case, the Democrat Party's platform, "which ignores the need for corporate tax reform and a reigning in of government regulations, does not augur well for accelerating growth of the U.S. economy," which would stimulate increased Canadian exports of non-energy products. "In particular, the Democrat Party's platform offers little to encourage private-sector capital investment, which has been an especially weak source of spending in the U.S. in recent years." As a result, "It's difficult to be optimistic about increased Canadian exports of machinery and other manufactured goods to the U.S. offsetting continuing unfavourable terms-of-trade in the energy sector, as well as possibly declining physical volumes of oil and natural gas exports to the U.S."
If such an assessment proves accurate, even Hillary's fondest Canadian supporters may wind up taking cold comfort from recognition of the former First Lady's affections for Canada.


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Obituary: Marie Francesse Louis
What's Going On - 12/8
What's Going On - 11/10
Marie Francesse Louis was born in the Crown Heights section of Brooklyn, New York on July 12, 1972 to the late Jacques Louis and Marie Louise Paraison. She was the eldest of five children. During infancy she was sent to Haiti were she was raised by her grandparents, and returned to the United States at the age of three. She attended PS 241, Holy Spirit Catholic School, A. Philip Randolph Campus High School, and Columbia University, where in 1994 she obtained a BA degree in Biology.
Early on in childhood, her aspiration was to become a physician, but while attending college, she worked for the Milken Foundation, as a Milken Scholar, where she realized that her true calling lied in empowering others. While working for The Valley, a non-profit agency, she developed a passion for serving the community and addressing its needs, especially that of education and employment.
From 1995-1998 she worked for the Valley at the Wadleigh Beacon site in Harlem where she was the director of tutorial, educational and recreational programs and developed and managed after-school programs, helped start the Paul Roberson Leadership program, summer camps and provided summer youth employment opportunities.
In 1998, Marie joined Community Counseling and Mediation (CCM) Beacon, where she worked closely with Emory Brooks to provide counseling services, after-school,employment, cultural and recreational programs for youth and young adults. She was instrumental in starting Georgia's Place, which provides housing for senior citizens and homeless adults.
Marie was there to make sure that the Brooklyn community got its fair share when Bruce Ratner, of Forest City Ratner, announced plans to move the NBA Nets to Brooklyn and build an arena, housing, parks and office space in the Prospect Heights section. She was on the board and at the signing of the monumental Community Benefits Agreement that heralded a shift in the community development paradigm.
While working on the terms for Community Benefits Agreement, Marie and James Caldwell started the non-profit organization, Brooklyn United for Innovative Local Development, as known as BUILD. As Chief Operating Officer of BUILD, she worked long hours and developed many programs for the Brooklyn community. She was also exceedingly active in politics, working behind the scenes on numerous campaigns. She was the Youth Director for the 77th Precinct Community Council and an active member of the Community Board of District 8.
Marie wrote many proposals to obtain grants and funding to help start and support numerous programs and initiatives. A few of these initiatives included the High School for Youth and Community Development, Bethune Junior Scholar Society, as well as the College and Career Circle program.
As passionate as Marie was about the community, she was even more engaged, devoted and loving towards her family. Before her father passed away in 1992, Marie promised him that she would help keep the her siblings close, and true to her promise, they grew closer as they got older. She was always there to provide love, support and guidance in every way.
In 2007, Marie married her love, Jean Wikerson Louisma. Through this union, they had two beautiful children, Josiah, age 4 and Dariana, age 18 months.
Her love went beyond her immediate family. Whenever someone was in need, Marie rarely said no to a request. She never took her blessings for granted and always wanted to help in any way possible. She extended open arms to all and was know as a kindhearted soul by family and friends alike. To those close to her, she was also know as somewhat of a family historian. She spent many hours speaking with elders in the family so that she could preserve our rich family history as members of the Haitian Diaspora with an undying love for Haiti. She believed in leaving a lasting legacy for future generations.
She had an infectious smile that just drew you in. She took pleasure in reading, watching movies and the Soap Network and listening to Haitian music, just to name a few. Her love of Tiramisu was also worth a thirty minute trip to the Olive Garden just to satisfy a craving. Although her organization and filing style was unconventional, she was always on top of her game, and no matter how short day was, there was always another errand to run.
During her short time here on earth, she always had optimistic insight, kind words and a warm heart. For the past six months she fought a challenging battle with cancer. Through it all, Marie Francesse always kept her faith in God and was thankful for all the blessings God provided throughout her life. She triumphantly went home to be with the Lord at 7:52 AM on December 23, 2011 at Memorial Sloan-Kettering Hospital.
Marie Francesse Louis is survived by her husband Jean Wikerson Louisma, son Josiah, daughter Dariana, mother Marie Louise Paraison, sisters Marie Edwige, Marie Margareth, Donna and Rachelle, brother Jacques, step mother Alberte Louis, mother-in-law Lumene Louisma, sisters-in-law Geslie Janvier-Abellard with her husband Laft Abellard and Betty Louiville and brother-in-law Jean Gardy Louiville.
Alicia Mack: Through My Eyes
Central Brooklyn Braces For Day Care Disaster Bloomberg Moves Forward With Plan Threatening Closure of Local Subsidized Day Care Centers


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Rear-End, Head-On, and Side Collisions
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Matz Injury Law Blog
In A Multi Vehicle Auto Accident Who Is At Fault?
Written by Steven Matz on January 13, 2023 . Posted in Car Accidents.
Car accidents are far too common, and that's true even for car accidents that involve more than two vehicles. Just last year, it was breaking news when more than 100 vehicles were involved in a single accident in Kalamazoo, Michigan during a snowstorm on US 131.
In the wake of a multi-car accident, determining liability can be challenging. Dealing with insurance companies is already difficult, but making sure that you get as much compensation as you can is a lot to take on while you're focused primarily on recovery. That is why you need experienced car accident lawyers on your side. At Matz Injury Law, our legal team works with you to put you in the best position for getting fair compensation from adjusters. We have served Michigan for decades and are eager to serve you.
What Is a Multi-Vehicle Car Accident?
Put simply, a multi-vehicle auto accident is an accident that involves more than two vehicles, whether the total is reached by a third vehicle or many more. As a quick disclaimer, other names for a multi-vehicle crash include pile-up and chain reaction accidents. The latter comes from the common occurrence of a vehicle getting hit in the rear and then subsequently being pushed into another vehicle that can then be knocked further into other vehicles and oncoming traffic.
A multi-car crash is particularly dangerous because vehicles typically need to be going at high speeds in order to be hit with enough force to knock them into other vehicles. Of course, road conditions in which braking is difficult, like ice, can also cause these accidents.
How Are Multi-Vehicle Car Accidents Different?
A multi-vehicle collision is a complicated event with several moving parts, so narrowing down fault is a bit tricky. More importantly, however, the potential injuries are much worse. In fact, these accidents can result in life-threatening injuries that will keep cascading as more and more vehicles become involved, leading to more injured people that dominate local news.
What Causes Multi-Vehicle Car Accidents in Michigan?
Multi-vehicle pile-ups are most common in winter when heavy snowfall causes whiteout conditions. Not only does this decrease visibility, but it can make the roads harder for vehicles to find traction. This naturally leads to multi-car accidents, as drivers fail to adjust to the conditions correctly.
Thankfully, we do not see too many pile-ups here. There is a very famous one from Wisconsin a few years ago that involved several trucks, so there is plenty of dash cam footage available for viewing. Unfortunately, many drivers have no concept of how long it will take to stop given differing road conditions. Even if you leave the appropriate amount of distance between you and the car in front of you, if you're going 70 mph, there is no way you will stop in time if the car in front of you slams on its brakes.
The biggest cause of these accidents is the weather, but one inattentive driver can also trigger them. The main reason they happen is reduced visibility. It's unlikely that several cars will all fail to see a crash that has occurred ahead unless the weather prevents it. If you can see the crash up ahead, you'll have time to react and stop.
What Should I Do If I am in a Multi-Car Accident?
Getting in a multi-car accident is a stressful situation, to put it lightly, so it's best that you follow the necessary steps to ensure that you're in the best position for compensation for the accident.
1. Stay in Your Vehicle
The first step is to stay in your vehicle with your seat belt fastened. Multi-car accidents often have an ongoing domino effect as more and more cars get involved. Keep your seat belt on and stay inside until EMTs or someone from the police department tell you that it's OK to exit. You never know when another vehicle is going to hit the pile-up and knock the car around a bit more. Standing outside your car could put you in more danger.
2. Turn on Your Hazard Lights
If you are able, turn on the hazard lights in your car after you've been hit. While it's not a guarantee that this will prevent further collisions from occurring, it should at least help warn other cars of the car pile-up and give them advance notice to make evasive maneuvers.
3. Collect Evidence
After you've been given clearance to exit your vehicle, collect as much evidence as you can regarding the accident, assuming you don't need urgent medical attention first. Take photos of the damage to your vehicle as well as the positioning of the vehicles involved. Additionally, gather evidence of the road conditions as well as any skid marks that may have been left on the road. The police report can be useful for corroborating the evidence.
4. Notify Your Insurance
After collecting evidence, it's time to notify your insurance company. Be aware that notifying them is not the same thing as accepting an offer or filing a claim with them. You should always speak with a Michigan car accident attorney first before making any final decisions. This step is just to notify the insurance company that the accident occurred.
5. Call a Car Accident Lawyer
To ensure that you are in the best position for compensation, you'll need legal advice from a car accident lawyer. Remember, insurance companies profit by denying you as much compensation as they feel is possible. Having an experienced lawyer in your corner helps you fight back.
What Happens If I Get Into a Multi-Car Accident in Michigan?
Because Michigan is a no-fault state, you can get compensation for damages incurred in the accident no matter who was at fault. It's also legally required in the state to have personal injury protection benefits, which can cover damages such as medical costs, lost income, and funeral expenses in the event of fatalities. Property damage is covered separately but is still in the same overall category of economic damages or damages that are easily quantifiable.
How Is Liability Determined in a Michigan Multi-Vehicle Accident?
While your insurer can typically cover economic damages, you'll need to determine fault to seek compensation against the liable motorist. Proving fault typically means being able to demonstrate negligence, and that's a task best left to an experienced personal injury lawyer. To demonstrate negligence, you'll need to be able to argue four major points:
The driver has a legal duty of care to others on the road.
The driver breached this duty of care.
The breach of care caused the accident.
The accident caused your injuries.
When it comes to multi-vehicle accidents specifically, it's possible for more than one driver to be at fault. In fact, big pile-ups are often the result of multiple people being negligent at the same time rather than solely the assumed person at the rear. Even if the weather was the primary catalyst for the accident, it is still possible to demonstrate negligence by arguing the aforementioned four points.
Why Is Determining Fault in a Multi-Vehicle Accident Important?
Determining fault matters because Michigan uses a modified comparative negligence framework. If you're found to be partially responsible for the accident, your compensation will be decreased by the percentage of your own liability. For example, if it's determined that you are 30% responsible for an accident in which you suffered $100,000 worth of damages, you'd only be able to get $70,000 in compensation.
A Car Accident Lawsuit Can Take Years to Settle. We'll Take Care of You in the Meantime
A Michigan car accident lawsuit — especially a complicated one — may take years to settle. We can help you sue for noneconomic damages so you can spend the months following your car accident recovering from your injuries. Contact our law firm online or call 1-866-22NOT33 today for a free consultation.
Written By Steven Matz
Steven J. Matz is a founding shareholder of Matz Injury Law. The firm's concentration is on personal injury litigation, with an emphasis on traumatic brain injury. Mr. Matz earned a Bachelor of Arts degree with high distinction and highest honors in 1974 from the University of Michigan and a Juris Doctor degree in 1977 from The George Washington University National Law Center. Mr. Matz lectures and publishes in a number of areas, including ethics, marketing, trial tactics, and head injury. Mr. Matz has served on the Michigan Association for Justice Executive Board and currently serves the Michigan Attorney Discipline Board as a Hearing Panel Chairman and Master. He is also a member of the State Bar Committee for Character and Fitness.
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The maximum contingency fee permitted by law is actually 33 1/3%. Michigan court rules require that the attorney fee be computed on the net sum recovered after deducting all disbursements properly chargeable to the enforcement of the claim.
What does 22not33 mean, exactly?
We can charge 22% while virtually all other injury attorneys charge 33 1/3% because we are very, very, good at obtaining results for our clients.
We do not spend millions of dollars on television ads; instead, we offer a lower fee to all our clients. We do not have dozens of lower paid associates handling our work. All our clients are represented by Steven and Jared Matz. Steven Matz started the firm in 1977 and since then has dedicated his life to representing injury victims. Jared joined the firm in 2016 but grew up listening to stories, discussing theories, and generally learning at the dinner table about how to effectively and compassionately represent injury victims. Jared Matz was literally born to represent individuals involved in motor vehicle crashes.
All of our cases are handled on a contingency fee and all our cases are handled at 22%. Whether the case settles or goes through trial, the fee does not change. While our competitors make excuses as to why they charge so much, we are obtaining results for our clients at a lower fee.
At a typical television advertising law firm, your first call will be handled by a receptionist, who may refer you to an intake person, who will discuss your claim with an intake manager, who then discusses your claim with an associate, who may then report to a partner. You may never speak with the person whose name is at the top of the letterhead. At Matz Injury Law you will always speak with either Steven Matz or Jared Matz.
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Bucks | Airbnb Responds to Questions About Hosts Breaking Local Laws
Airbnb Responds to Questions About Hosts Breaking Local Laws
By Ron Lieber
November 30, 2012 2:39 pm November 30, 2012 2:39 pm
In this weekend's Your Money column, I consider the case of Nigel Warren, who rented out his bedroom in a two-bedroom apartment via Airbnb only to get threatened with over $40,000 in fines for various violations of New York laws.
Mr. Warren wondered, as did I, why Airbnb didn't tell its users exactly what the law says in New York City and other major urban areas with strict rules. So I asked the company why it didn't provide more clear information when hosts register with addresses in these cities. I also inquired as to whether it wants every user now breaking the law (or the terms of their lease or their condominium's house rules) to take down their listings immediately.
Here's the statement that I received in response from the company spokeswoman Kim Rubey, along with my comments on what the company seems to be trying to do between (and outside of) the lines.
Thousands of people use Airbnb every day to help make ends meet, travel the world, explore new neighborhoods and make new friends.
No quarrel here. I'm one of them.
The responsible nature of our community results in very few complaints like this, but when they do occur we work diligently to address them.
Actually, when Mr. Warren wrote to Airbnb's customer service questioning the company's motives, it did not respond with an offer to pay his $415 an hour in legal bills. Instead he got a note saying that he should have known better. "I am sorry to hear that you are gong through a stressful situation and i home (sic) that a prompt resolution can be reached,"said Maria C., the customer service representative who responded.
We provide a variety of tools to help hosts understand their obligations under local laws, regulations or contracts, and they commit to us that they will comply with those rules and regulations when they sign up.
Airbnb does not put its (12,000 word-plus) terms and conditions squarely in front of new users, as other sites do. Instead, by pressing save on a new listing, they are de facto attesting to the fact that they agree with the terms, which are a hyperlink away. As for those tools that explain the local laws or provide links to them, I could not find them on Airbnb's site. I asked Ms. Rubey to point them out to me, and she did not respond.
We are constantly re-evaluating how to do our job better, because in the end our goals are the same as the goals of the communities in which we have hosts: to create safe, great experiences for our hosts — many of whom depend on our site to make ends meet — to add value to local communities.
There's that "make ends meet" meme again, echoing the same language from the beginning of the statement. Fast Company picked up on this earlier this year, with a piece titled "Airbnb Saved My Life."
I have no doubt that this is true, and I admire the company's partial success in turning the conversation about following the rules into one about sad or struggling people just trying to get by. Some of the struggling people using the site, however, are breaking the law and don't know it. And they'll struggle more if they face five-figure fines or eviction by landlords who eventually figure out what they're up to.
Friday Reading: Plenty of Nominees for Worst Toy Award
Catching Up on Retirement Savings


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Q: How to make text box appear when hover over on the image map? I am trying to make a text box appear when hover over hotspot on image map.
This is what I did to make text to appear when I hover over.

<map name="FPMap0" id="FPMap0">
    <area title="Click to view" href="http://google.com" shape="rect" coords="26, 106, 133, 237"/>
    <area title="Click to view" href="http://yahoo.com" shape="rect" coords="322, 113, 414, 250"/>
    <area title="Click to view" href="http://ask.com" shape="rect" coords="402, 35, 488, 96"/>
    <area title="Click to view" href="http://naver.com" shape="rect" coords="598, 115, 682, 254"/>

But instead of this, I want to make colored, visible text box to appear when I hover over. Is it something CSS is required? I am not familiar with CSS, so not sure what to apply here.

So I edited my code to this

<map name="predflow-map">
    <area shape="rect" data-name="a,all" coords="36,46,121,131" href="google.com" />
    <area shape="rect" data-name="b,all" coords="113,76,198,161" href="yahoo.com" />
    <area shape="rect" data-name="c,all" coords="192,50,277,135" href="ask.com" />
    <area shape="rect" data-name="d,all" coords="262,60,347,145" href="naver.com" />
</map>

Still image map is working fine, but nothing appears when I hover over. I added jQuery plugin to SharePoint, example from here works fine on SharePoint page.

A: Here is how to do what you want in straight jQuery/javascript:
Working jsFiddle here
HTML:
Instructions: Mouse over computer's monitor to see hidden DIV

    <map name="Map">
        <area shape="poly" coords="105,26,107,126,257,140,256,27" href="#" id="CUST_1" name="CUST:1" />
        <area shape="poly" coords="10,21,14,178,71,184,69,19" href="#" id="CUST_2" name="CUST:2" />
        <area shape="poly" coords="113,145,94,172,241,192,251,164,250,164" href="#" id="CUST_3" name="CUST:3" />
    </map>

This DIV hidden unless hover over the computer's monitor

1

2

3

javascript/jQuery:
function hovIn() {
    var areaID = $(this).attr('id');
    //alert('['+areaID+']');
    if (areaID == 'CUST_1') {
        $('#myDiv').show();
    }
}

function hovOut() {
    $('#myDiv').hide();
}

$('map area').hover(hovIn, hovOut);

CSS:
#num_cust1 {
    padding: 10px;
    background-color:yellow;
    position:absolute;
    top:60px;
    left:180px;
}
#num_cust2 {
    padding: 10px;
    background-color:yellow;
    position:absolute;
    top:60px;
    left:40px;
}
#num_cust3 {
    padding: 10px;
    background-color:yellow;
    position:absolute;
    top:160px;
    left:180px;
}
#myDiv {
    display:none;
    width:50%;
    height:50px;
    padding: 10px;
    background-color:skyblue;
}

A: Are you open to using jQuery?
If so, have you heard of the ImageMapster plugin?
See this link for demos: http://www.outsharked.com/imagemapster/default.aspx?demos.html
Since ImageMapster is a jQuery plugin, you will need the following lines in the head tag of your page:

The first line loads the jQuery library, and the next line loads the ImageMapster plugin.
After that, it's just the code to make the imagemap work.
See the demos above for what you can do.

redpajama_set_name: RedPajamaStackExchange


Image sizes: 6" x 8", 9" x 12", 16" x 20", or 24" x 36"
Framed original available. 39 1/8" wide x 48" tall x 3/4" thick. Solid rustic wood frame. Contact me for details.
This is Jenson, one of a rare draft horse breed called Shire. There are only 3500 Shire horses in the entire world. Jenson's father was flown to America from Scotland, but Jenson had a rough life before being taken in by Survivors Rescue Inc. (SRI) near Sandpoint, Idaho. He was described as "a danger," when he simply needed attention and love. Jenson is actually quite shy, and SRI owner Dawn Dempsey says "he's such a lover. He has strong emotions." She says Jenson is also a gentle horse despite his size, and he is so careful with the handicapped children who come to visit SRI.


This is the very elegant hero image for our exhibition Beckler's Botanical Bounty: The flora of Menindee.
Yes, it opens in just over a week……I am so excited! I can promise you photos galore.
On a different note, my newsletter goes out today. This time I am writing about making art on commission, as well as links to other things going on around the place. So click here if you would like to read it (if that link doesn't work you might be a little early, and have clicked before the newsletter goes out) and click here if you would like to subscribe.
And lastly here, Would you like a free drawing? to find out more about the newsletter.
Way back in May I did a workshop at Bendigo Art Gallery with Mark Dober.
Bendigo is a regional Victorian town, with a very good gallery. I had only been up there for special exhibitions, so I was pleased to have time to wander. I thought I had taken more photos, however, this one shows how spacious and pleasing the rooms are.
This body of new work made at the You Yangs consists of 6 multi-sheet watercolours. Four of these are 112 x 380 cm. These were made at Fawcett's Gully, around the back of the You Yangs, accessible by the unsealed circuit road.
His exhibition is running from 12th to 16th October. It will be alongside an exhibition by Fred Williams, one of Australia's foremost landscape artists.
So, you can imagine my interest in his workshop to learn to work with watercolour and oil pastels!
or a traditional watercolour by Ernest Waterlow's 'Gathering fuel, Cornish Coast', c.1887. You can see the painting in the photo below.
My first step was to loosely draw in the figures and landscape features. Then I had to lay in large watercolour washes over the main features. I think this was the most difficult thing for me. I am not a confident colour mixer, and often don't mix enough paint to cover the area which is a problem when working on such large areas. Even with enough paint I have trouble manipulating the paint over large areas. It dries before I can work into it. Washes in botanic art work are little things, the size of a leaf or a petal, not vast areas of sky or beach!
I tried to suppress my panic, to just let it flow. After all, it was purely for my pleasure. Embrace the wonky!
Then there was the fun part of going over the (dried) wash with oil pastel.
My drawing strengths are tone and fabrics, so I was very happy with the work I did on the woman's dress.
It was quite a complex painting to work on over a day, but I enjoyed the challenge and it has given me a new way of working.
The Sketchbook has left the States and arrived in Greece. Now it is not only international, but global! How cool is that?!
It is a while since I have written about it, but I have just updated my Sisterhood page. It gives you an overview of the contributions all the Sisters have made, as well as the background to the Sketchbook, and who the Sisters are.
It is an amazing project. So many walls are going up, so it is lovely to know that the Sketchbook can just fly over the top of them!
Well, not much painting-wise. Like you, I have been busy with other interesting things that this time of the year throws up, including a very interesting talk by Dr. Tom May, who spoke about "From mushrooms to the mycobiome". But that's not what this post is about…..
I have sent off my #stitchingsanta parcels. It is a fun idea organised by Sheila at Sewchet. Back in October she sent out an invitation to play along this year. I love making connections around the world, so I was in. I asked for two people ~ a sewing and a knitting/crocheting secret santa. Then Sheila's email arrived telling me who I was going to collect for. I had so much fun collecting things. But challenged too. They need to be things the present-opener would like, as well as having an Australian theme and flat enough to go through the post as a letter. I think I did well, but, as it is a secret, all I can show you is this…..
I can never go far without picking up something to bring home. These caught my eye on the path near the Botanic Gardens. I love how the weighty seedpods contrasts with the delicate wings, the smooth and the finely textured, the green and the pink, the shadow and the light ~ all this in one little miraculous package.
The other treasure is a print from my very talented friend Melanie Lazarow. I saw her recent exhibition and enjoyed her abstracts. Some are large and a wild mixture of vivid colours, some are small with detailed geometric shapes. She is also a wonderful photographer and her passion is recording how people fight against injustice. However, it was this print that cried out to go home with me.
I love the colours in it, its moodiness, and of course the plants.
While my Cullen painting has been languishing, I have made progress with my embroidery.
It is such a different process to my botanic art. When painting I know exactly how I want the final image to be. The point of botanic art is to replicate the plant in fine detail. Many of the decisions about composition, colour, tone, the process and so on are made before I start. Major problems I encounter during the painting process have usually arisen because I haven't thought through issues at the beginning. The colour may be wrong or I haven't really considered how I am going to paint those fine hairs or realise that the original drawing was incorrect.
The embroidery is so different. I have an idea of how it is going to be at the end, as I often work from a photo, but that only gives me the broad outlines, the shape of the tree or where the sky is going to be. I am always problem solving as I go. What stitch is best to make this look like grass? How am I going to show the highlight? Is my yarn giving me the tones that I want? Why don't I try this thread? So many 'What if….?' questions. And I love that about it. It's playful.
So….what's happening in your creative space? You will notice that I am not saying "studio" except in the title. I like the sound of it there! Creative space is much wider ~ I'm thinking studio, kitchen table, sketchbook, computer, note book, anywhere you create. And I am not limiting it to painters. Writers and quilters, printers and poets, everyone is welcome.
And it doesn't have to be a final, well rounded piece. It can be, but it might also be a look at what you are working on, a tip, a technique, a new piece of equipment. It might be a photo of your work space or your inspiration board. Or even an inspirational quote!
Leave a comment below with a link to your blog post, Instagram photo, Facebook entry….whatever.
A couple of posts ago I showed you the plant that I am going to paint from my time in Menindee. It is Senna artemisioides subspecies filifolia. While I haven't begun to paint it yet, I thought I would show you a little more of the preparation process, and some of the information I needed to collect before I came home.
and this is the finished drawing, done on tracing paper.
As we collect specimens for the Herbarium we have to have very detailed notes about the environment of the plant. That information is recorded on a label that accompanies the plant to the Herbarium. You can see that precise information is needed. Beckler's original collecting notes were often quite vague, with locality being something general like Lake Pamamaroo. Smart phones and GPS means that we can pin point our position.
This senna has the most wonderful seed pods. The mature ones are rich mahogany and twist and curl as they open to spill their seeds. I am going to add a row of them below the plant.
A key aspect of the plant is, of course, colour. It was important that I worked out the right colour (and recorded the mix!) before the colours of the plant faded. Sometime I am confident that I have nailed the colour only to find when I start painting that it isn't right. These look pretty good now, so fingers crossed.
Lots of things have been bubbling away in my mind lately. You know some of my creative thoughts, but also I have been pondering about the rhythm of my blog ~ what I want to post and how often. I think I have come up with a sustainable rhythm. It involves posting twice a week, with posts that I am describing as Me posts and You posts.
My Me posts will be the story of my life, mainly my creative life ~ the sorts of things that I have been rambling on about for the last five or so years! They will probably be published on the weekend.
The You posts will be ones that I think you will find interesting ~ links to other blogs, stories of others' creative lives, quirky stories, environmental news. I have lots of ideas, but let me know if there is anything you would be interested in reading.
So today is my first official You post…..
Botanical art traditionally has been created with watercolours, but sometimes I come across an artist who achieves wonderfully detailed works using different media. Mary Delany is such an artist.
Mary Granville Delany (1700-1788) bloomed in her 70s, when she embarked on her life's work—creating 985 life-size, three-dimensional, scientifically-correct botanical prints now held by the British Museum.
So much for making this a monthly post! It is well over a month since the first one…but that's okay. It's been a busy time.
If you would like to show us what has been happening in your creative space over the last little while, write a post about it and then link to it in the comments. (When I get really clever I will learn how to do a blog roll thingy at the side of the blog.) That way we will be able to see what other creative people have been up to. It doesn't have to be a finished product, it may be a new paint brush you got from Santa or a poem that has inspired a short story or something that you have been working on.
Today I am going to show you a variety of things.
Firstly, this little box was a gift from my brother. Yep, it was a box of pastels, from Japan. (My brother loves Japan.) Like so many Japanese things, it was packaged beautifully.
take out the "Welcome to your new pastels" note (as I don't speak Japanese I am choosing to translate it as that!)…..
take out the piece of paper that tells you the colours (I am more confident about that translation) to reach the pastels. Each one is about 2 cms.
Don't you just love the treasures in little boxes ~ and thoughtful brothers?!
I also have a gift voucher from my Mum (xox). It is from my favourite art supply shop, Melbourne Art Supplies. I love browsing in art shops almost as much as I love spending gift vouchers.
You won't be surprised to know what my Christmas presents to the family were this year ~ sketchbooks! Remember when I went a bit crazy over making sketchbooks? Some of you accepted my offer to send you one. Well, I went into sketchbook making mode again. I decided to make three different sizes, all with different covers. I put them in a box and let people choose the one they wanted. It was okay if they didn't want one, but I was pretty certain that most would. My family loves projects and recording things, especially in handmade notebooks.
The photo, which I put on one cover, is my grandpa setting sail for WW1. He looks so young, and fortunately he came home again.
You may be curious about the work behind the gift voucher. I had a lovely time playing with images of fungi, repeating, flipping, turning to make these patterns. Because I was giving myself time to play, my mind was free to think about other things I could do. So I added coloured pencil and worked on black paper. I hope to show you those some time. They are not an end product, although often my mind tries to make them one. At the moment they simply are patterns on my noticeboard.
Lastly, in my studio are things to hold my brushes and pens and pencils. I use things that I am fond of.
This delightful mug was decorated by Xavier a gorgeous boy I taught in Grade One. Look how he made the dragon go right around the mug!
The ceramic brush holder was a present from my friend Tess. It has a wonderful African abstract embellishment. The water mug is a tea cup I brought back from Russia. I got carried away over there, thinking I was going to drink tea out of glass mugs with interesting holders. The fancy didn't last long, but I enjoy using it as I paint.
Who can resist the fancy cardboard cylinders that Chinese tea comes in? Or a shiny milk jug? Or the flat pencil case just the right size for my pencils?
What do you keep your bibs and bobs in?
Go on, tell us what has been happening in your creative space over the past while. I'd love to know.


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Department (Sponsored by DST-FIST) – (MSc – Biotechnology)
The Department of Biotechnology was established in 1999 only after VBS PU was brought under 12 (b) act of UGC in 1999, and residential status was conferred to it. Biotechnology education programme was initiated with an impetus to generate a workforce that could turn into a substantially trained pool to meet the country's demands. To full fill this demand core faculty of the Department was appointed in 2000, out of 7 faculty positions only one remained vacant, the later was filled in 2010. To begin with 25 students later reduced to 16, were admitted to two years Post-graduate (M.Sc.) programme in Biotechnology through University level entrance test.
Considering the growth of Biotechnology at an international level, its applications in general spheres of life and the significant contributions made by the faculty, DBT, Govt. of India has approved the intake of students (16) through a National level combined entrance test conducted by the Jawaharlal Nehru University, New Delhi since 2009. Graduate students in this programme to begin with are imparted fundamental courses in Molecular Biology, Microbiology, Biochemistry and Genetics, and then exposed to a thorough study of other areas.
The Department since its inception had been given a strong base in Molecular Biology. The main focus of the programme is on Genetics, Industrial Microbiology, Immunology and other contemporary areas allied to Biotechnology. Basic training is given in Microbiology, Biochemistry, Genetics, Genetic Engineering, Biochemical Engineering and some aspects of Biophysics, Bioinformatics, Biostatistics and Environmental Biotechnology. Most of the faculty members have been provided accommodation in the university campus so that students have more access to teachers even during holidays. The faculty members of the department representing different areas are presently actively engaged research in burning areas of Modern Biology.
Over the years, Biotechnology programme at VBS PU has established itself as a leading academic centre both from the teaching and research point of view.The department is internationally recognized for their contribution to basic and applied aspects of Biotechnology research, and accordingly many central/state agencies have generously funded ad hoc research projects. The department has also been active in extension activities to address some of the societal needs related to biotechnology like: promotion of mushroom cultivation, awareness generation about aids, blood donation and blood testing activities
Dr. Lalji Singh being Felicitated
Recent Trends in Biotech. is being Released


The Fitchburg Airport serves the North Central Massachusetts Aviation Community.
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The Auditing Department is in place to protect the fiduciary interests of the city by providing timely oversight of city finances, and ensure that financial transactions are executed legally, efficiently, and effectively.
The Building and Zoning Division is responsible for assuring that building, zoning, electrical, mechanical and plumbing codes are followed to ensure the public welfare.
Find information about elections, voting and how to contact the City Clerk.
The Community Development Department has a broad mission and is comprised of three Divisions: Planning, Housing and Development, and Economic Development .
The Economic Development Division of the Department of Community Development can help you through the various procedures involved in doing business in Fitchburg.
Learn about the Fire Department including roster, information about our stations, and our fire apparatus.
The main mission of the Health Department of the City of Fitchburg by legislative mandate is to maintain, protect and improve the health, safety and well being of the people of the City of Fitchburg through its jurisdictional powers.
Learn information about the City of Fitchburg Human Resources Department.
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The Legal Department functions as a resource for Municipal Departments and the City Council. Residents seeking legal assistance should contact a personal lawyer or legal aid.
Learn more information about the City of Fitchburg Parks and Recreation Department.
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View and obtain current solicitations, prevailing wage information, bid results, procurement resources, and vendor guidelines.
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The Fitchburg Senior Center is open to senior citizens, 60 years and over, from Fitchburg and area communities.
The Treasurer's Office collects all real estate, personal property, and motor vehicle excise taxes, all water/sewer bills, all parking tickets, and all monies turned over by other city departments.
The mission of the Fitchburg Wastewater Department is to convey and treat domestic, commercial and industrial wastewater to a level that meets or exceeds water quality limits for the Nashua River as set by the U.S. Environmental Protection Agency in the most efficient and cost effective manner possible.
Discover information from the Water Division including information about selling your property, filling a swimming pool, and how to notify us about water problems.


Thanks so much for letting me know, Megha.
Sorry to ask, but where did you get those beautiful plates?
Vincent, I bought it from Mumbai about 9 years ago. Now the plates are available online in India. You can google Kansa dinner sets and you will find all varieties, shapes, and prices.


I have come to know about the vacant position of [State position here], and I am really interested in this opening.
I want some more information about this vacancy.
– State the information you require – e.g.
My contact number is [no. here]. You can contact me anytime.
I thank you for your co-operation and look forward to meet you regarding interview.


As Washington State Approved Supervisors, we provide guidance and support as you strive to achieve your professional goals, meet the standard of care, and work towards your counseling license. Supervision is designed to promote client welfare and to advance your professional development; it's where clinical theory is transformed to practical skill. Supervisees attend sessions on a regular schedule (frequency depending on need and caseload). Supervisors oversee all aspects of associate practice and sign off on the accrued number of required supervision hours for submission to the state.
As a complement to requirements for continuing education, we offer licensed therapists guidance and support for case conceptualization, professional development, and practice growth and management. Consulting is considered part of the standard of care, and integral to the ethical decision-making process outlined in counseling codes of ethics. Unlike supervision, however, consultants do not have responsibility to oversee your practice, track your caseload, or direct your clinical decisions. Regardless of experience, you may find yourself wanting consultation for tough clinical situations and for therapist self-reflection. Whether your need is case-specific, or you are wishing to start a regular practice of consultation, we can help.
For more information, click on the photos to contact Clare or Cynthia.


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Facing Disability Blog
10 Resolutions for a Happy New Year!
The Legacy of Tiny Tim
Meet Sam, The Quadriplegic Driver
Breakthrough Discovery Reverses Paralysis
10 Tips For Working From Home
"Quadriplegia" or "Tetraplegia"
Things That Don't Work When You Are Paralyzed…Besides the Obvious
Spinal Cord Injury: A Wife's Perspective
THE DOWNSIDE OF "THE UPSIDE"
Living with a Disabled Spouse
New Stem Cell Treatment for Paralysis
accessibility accident ADA adaptive adaptive equipment Adaptive technology Americans with Disabilities Act Ben Mattlin caregiver Cerebral Palsy challenges children Disability Disability advocacy Disability Inclusion disability rights Disabled discrimination employment family feelings independence kids Love marriage mother Occupational therapy Paralysis paralyzed Paraplegia parents post-injury progress Quadriplegia Rehabilitation sci sex Spinal Cord Injury spinal muscular atrophy sports support Tetraplegia Travel wheelchair work
New research aims to help people with spinal cord injuries get fit
People with spinal cord injuries now have a set of exercise guidelines for maintaining heart health to match those offered to the general population decades ago.
Kathleen Martin Ginis, a researcher at the University of British Columbia's Okanagan campus, led an international committee that recommends 30 minutes of moderate to vigorous intensity aerobic exercise, three times a week, for people with spinal cord injuries.
That's compared with 150 minutes of cardiovascular exercise every week for others, as recommended by the World Health Organization.
Martin Ginis said the new guidelines are in addition to recommendations she helped come up with in 2011 for people with spinal cord injuries through her work at McMaster University in Hamilton, Ont.
Martin Ginis worked with a team that included participants from Canada, the United Kingdom, the Netherlands, Sweden, Italy and the United States. Their research will be published this week in the journal Spinal Cord.
Besides her own work, the team analyzed 211 studies examining the effects exercise on cardiorespiratory fitness, muscle strength, bone health, body composition and cardiovascular risk factors for people with spinal cord injuries.
Watch Donald Peck Leslie, MD, discuss the importance of a maintaining a healthy lifestyle after SCI.
That population faces significant barriers when it comes to exercise, starting with transportation if they aim to get to a gym, let alone trying to navigate their wheelchairs on sidewalks without ramps, Martin Ginis said in an interview.
Gyms often exclude people with disabilities, but could accommodate them with adaptable equipment and knowledgeable staff, she said.
"If there are ways to get into a facility there are ways to adapt standard exercise equipment for people with spinal cord injuries, at least for strength training," Martin Ginis said.
"We've got lots of anecdotal accounts of people with spinal cord injuries being turned away because the people at the gyms or the recreation centers don't know what to do with them."
Jasmin Ma, who collects data at the ICORD gym, a SCI research center in Vancouver, Ontario, as a PhD student and is a personal trainer for people with spinal cord injuries, said some of her clients are surprised to hear they would be able to do aerobic exercise.
"There are a lot of fabulous ways you can do an exercise. It's just a matter of finding out how you can do it for your specific situation."
She said people who may not have grip strength, for example, could use grip-resistant gloves or "active hands."
Copyright: CTV National News, 2017


Quentin Tarantino is an American film director, writer, actor, cinematographer, and producer. He was born in Knoxville, Tennessee, to Connie (McHugh) and Tony Tarantino, an actor. His father, from New York, is of Italian, including Sicilian, descent. His mother, who is from the American South, has English and Irish ancestry. Quentin was raised in California.
Quentin has said that his mother also has Cherokee Native American ancestry. It is not clear if this Cherokee ancestry has been documented/verified. All of Quentin's maternal grandparents and great-grandparents are listed as "White" on United States Censuses.
Quentin is married to Israeli singer Daniella Pick. Daniella's father is pop singer and composer Svika Pick.
Quentin's paternal grandfather was Dominic James Tarantino (the son of Antonio Tarantino and Jennie Fensoni). Dominic was born in New York, of Italian descent. Antonio was born in Palermo, Sicily, the son of Giuseppe "Joseph" Tarantino.
Quentin's paternal grandmother was Elizabeth Jean Salvaggio (the daughter of Antonio Salvaggio and Frances Catrone/Catrona). Elizabeth was born in New York, of Italian descent.
Quentin's maternal grandfather was Edwin William "Frank" McHugh (the son of George Milton McHugh and Bessie Lauretta/Laurella/Laura King Nobes/Nabors). Edwin was born in Texas. George was the son of John Hamilton McHugh, who was Irish, and of Sarah Jane Moses. Bessie was the daughter of William Nobes, who was English, and of Lucy Edwardine Lerned.
Quentin's maternal grandmother is Betty/Bettie June Woody (the daughter of John Acil Woody and Nancy Jane Smith). Quentin's grandmother Betty was born in Tennessee. She re-married to Ellis Wade Shaffer. John was the son of Swan Burdett/Burnett Woody and Laura Ann Plemmons. Nancy was the daughter of Robert H. Smith and Emaline Burton.
Very exotic looking white guy.
Probably the worst ethnic labeling I've ever seen done on these boards.
His features are pretty much the furthest you can get from Asian, essentially he's hyper-European.
@Jello, mind being more specific when you say that he looks Asian? East Asian people, such as the Chinese, Japanese, and Koreans look a lot different from the people in the Middle East. But I think it should be added to Tarantino's profile that you think he looks Asian.
He scares me. Handsome he is not.