text:
State Treasurer backs legislation that would give millions in NC free or discounted hospital care. It faces more review.
- 6/9/2022
- in News, Policy Watch Investigates, Top Story
State Treasurer Dale Folwell explains the need for the medical debt relief legislation.
Millions of North Carolinians would be eligible for discounted or free hospital care, even after their insurance was billed, under proposed legislation debated this week.
House Bill 1039 contains several key proposals:
People who earn up to 200% of the federal poverty level – this year, that's $55,500 for a family of four – would receive free hospital care.
People in households of four people with annual incomes between $55,500 and $166,500, or 600% of the federal poverty level, would be eligible for discounts.
People in households of four people with annual incomes below $110,000, or 400% of the federal poverty level, would receive free hospital care after they've paid $2,300 in hospital bills in a year.
More than six in 10 North Carolina residents were in households with incomes below 400% of the federal poverty level in 2019, according to the Kaiser Family Foundation.
The bill, which state Treasurer Dale Folwell is backing, includes sections that mirror model legislation the National Consumer Law Center (NCLC) promotes. Folwell, a Republican, is a persistent critic of hospital billing policies. He has challenged hospitals on a lack of transparent pricing and has criticized tax-exempt hospitals for billing patients who qualify for charity care.
In January, Folwell's office reported that nonprofit hospitals reap much more in tax breaks than they offer in charity care. The NC Healthcare Association, which represents hospitals, criticized the report, saying in a statement soon after it was released that "nonprofit hospitals are proudly fulfilling their charity care and community benefit commitments to North Carolinians."
Unpaid medical debt ends up as red marks on credit reports, Folwell told members of the House Banking Committee this week. "The moral thing to do is to stop weaponizing people's credit score based on a product they would rather not consume," he said.
An Urban Institute report shows that more than one in five people in North Carolina had past-due medical bills that had gone to collections, based on December 2020 data. That's a higher percentage than the national average. Black residents are more likely to have medical debt than white residents, according to the report.
"It's really exciting that North Carolina has introduced this piece of legislation," Jenifer Bosco, a staff attorney with the NCLC, said in an interview. "It could be so beneficial to patients in North Carolina who have low incomes or moderate incomes who are struggling with medical debt. Medical debt is such a pervasive problem."
An NCLC review of state's financial assistance policies published in November 2021 found a dozen states with what it called "broad financial assistance rules" for non-profit and for-profit hospitals. Some states' programs require free or discounted care only to uninsured or underinsured patients who meet income guidelines. Only Illinois offers discounts to patients with incomes up to 600% of the federal poverty level who are uninsured, according to the review.
Bosco said there's a correlation between less prevalent medical debt and strong hospital financial assistance policies. Medical debt is more pervasive in the southeastern United States, where for the most part, states have not expanded Medicaid to allow low-income adults to obtain health insurance.
Skye David with the NC Coalition Against Sexual Assault explains their support for the bill.
The State Employees Association of North Carolina and the NC Coalition Against Sexual Assault support the bill. While the state pays up to $800 for rape kits, assault victims can be billed for treatment of their injuries, said Skye David, a lobbyist for the coalition. Those bills are a burden for people who are uninsured or have insurance that doesn't cover all the costs, David said.
"I've looked at survivors' bills, some are over $6,000," David said. "If they don't pay the bill, it impacts their credit score for years and years."
The committee took no action on the bill, which has bipartisan support. Committee Chairman Keith Kidwell (R-Beaufort) said the bill would come back to the committee after revisions. There's likely not a lot of time left to get it passed into law, however. The legislative session is expected to end around July 1, the Associated Press reported.
In addition to applying discounts, the bill would prohibit reporting medical debt to credit agencies for one year after the first bill is sent. Hospitals' financial assistance policies would have to be widely publicized. Hospitals would also be required to screen patients for eligibility for public or private insurance and other programs that may help pay hospital bills, and determine whether patients are eligible for discounts or free care.
Rep. John Szoka, a Fayetteville Republican, and a member of the House Banking Committee, said the bill would require extensive work by hospitals to check on patients' financial status. Some of the bill's requirements are best handled by social service agencies, he said.
Rep. John Szoka
"I think the bill is trying to do a lot of things at once," said Szoka. "I don't want to see our hospitals become an adjunct to social services."
The NC Healthcare Association does not have a position on the bill, spokeswoman Cynthia Charles said in an email, but it has a number of concerns about it.
"We have significant concerns that this bill would cause hospitals to absorb millions of additional dollars in uncompensated care," she wrote. "That, in turn, could increase the cost of care for others."
Each of the nonprofit hospitals and health systems in North Carolina have financial assistance and charity care policies that are printed on bills and publicized in other ways – on their websites, in brochures, and in conversations with patients, she wrote.
A 2013 state law sets out rules for collection of medical bills, Charles wrote, and a federal law covers debt collectors' behavior. "Additional guidance does not seem necessary," she said.
William Brewer, a lawyer who specializes in consumer bankruptcies, said medical providers have become less aggressive over the years in seeking to collect debts, but often those unpaid bills are part of an accumulation of debt that pushes people to file for bankruptcy. "For a lot of clients, it plays a more indirect role," he said in an interview. Often high medical bills mean that people have been unable to work because of illness, or were out of the workforce caring for a family member.
The bill would make an important change by relieving married people of responsibility for spouses' medical debts, he said in an email. The jointly held debt is detrimental to couples who want to protect jointly owned real estate from creditors. The section of the proposed law that says married people would not be responsible for each others' medical debt "would be very beneficial in assisting citizens in protecting their residences from medical creditors," Brewer wrote.
Tagschairty carehospital caremedical debtNational Consumer Law CenterState Treasurer Dale Folwell
Lynn Bonner
Lynn Bonner, Investigative Reporter, joined Policy Watch in October 2020 after 26 years as a reporter at The News & Observer. She covered the state legislature and politics for 20 years, and wrote extensively about mental health, state Medicaid policies and spending, and public education. Before coming to North Carolina, she wrote for newspapers in New England.
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[caption id="attachment_118533" align="aligncenter" width="600"] State Treasurer Dale Folwell explains the need for the medical debt relief legislation.[/caption] Millions of North Carolinians would be eligible for discounted or free hospital care, even after their insurance was billed, under proposed legislation debated this week.   House Bill 1039 contains several key proposals:

People who earn up to 200% of the federal poverty level – this year, that's $55,500 for a family of four – would receive free hospital care.

People in households of four people with annual incomes between $55,500 and $166,500, or 600% of the federal poverty level, would be eligible for discounts.

People in households of four people with annual incomes below $110,000, or 400% of the federal poverty level, would receive free hospital care after they've paid $2,300 in hospital bills in a year.

 More than six in 10 North Carolina residents were in households with incomes below 400% of the federal poverty level in 2019, according to the Kaiser Family Foundation.   The bill, which state Treasurer Dale Folwell is backing, includes sections that mirror model legislation the National Consumer Law Center (NCLC) promotes. Folwell, a Republican, is a persistent critic of hospital billing policies. He has challenged hospitals on a lack of transparent pricing and has criticized tax-exempt hospitals for billing patients who qualify for charity care.   In January, Folwell's office reported that nonprofit hospitals reap much more in tax breaks than they offer in charity care. The NC Healthcare Association, which represents hospitals, criticized the report, saying in a statement soon after it was released that "nonprofit hospitals are proudly fulfilling their charity care and community benefit commitments to North Carolinians."  Unpaid medical debt ends up as red marks on credit reports, Folwell told members of the House Banking Committee this week. "The moral thing to do is to stop weaponizing people's credit score based on a product they would rather not consume," he said.   An Urban Institute report shows that more than one in five people in North Carolina had past-due medical bills that had gone to collections, based on December 2020 data. That's a higher percentage than the national average. Black residents are more likely to have medical debt than white residents, according to the report.   "It's really exciting that North Carolina has introduced this piece of legislation," Jenifer Bosco, a staff attorney with the NCLC, said in an interview. "It could be so beneficial to patients in North Carolina who have low incomes or moderate incomes who are struggling with medical debt. Medical debt is such a pervasive problem."  An NCLC review of state's financial assistance policies published in November 2021 found a dozen states with what it called "broad financial assistance rules" for non-profit and for-profit hospitals. Some states' programs require free or discounted care only to uninsured or underinsured patients who meet income guidelines. Only Illinois offers discounts to patients with incomes up to 600% of the federal poverty level who are uninsured, according to the review.   Bosco said there's a correlation between less prevalent medical debt and strong hospital financial assistance policies. Medical debt is more pervasive in the southeastern United States, where for the most part, states have not expanded Medicaid to allow low-income adults to obtain health insurance.  [caption id="attachment_118532" align="alignright" width="600"] Skye David with the NC Coalition Against Sexual Assault explains their support for the bill.[/caption] The State Employees Association of North Carolina and the NC Coalition Against Sexual Assault support the bill. While the state pays up to $800 for rape kits, assault victims can be billed for treatment of their injuries, said Skye David, a lobbyist for the coalition. Those bills are a burden for people who are uninsured or have insurance that doesn't cover all the costs, David said.   "I've looked at survivors' bills, some are over $6,000," David said. "If they don't pay the bill, it impacts their credit score for years and years."  The committee took no action on the bill, which has bipartisan support. Committee Chairman Keith Kidwell (R-Beaufort) said the bill would come back to the committee after revisions. There's likely not a lot of time left to get it passed into law, however. The legislative session is expected to end around July 1, the Associated Press reported.   In addition to applying discounts, the bill would prohibit reporting medical debt to credit agencies for one year after the first bill is sent. Hospitals' financial assistance policies would have to be widely publicized. Hospitals would also be required to screen patients for eligibility for public or private insurance and other programs that may help pay hospital bills, and determine whether patients are eligible for discounts or free care.   Rep. John Szoka, a Fayetteville Republican, and a member of the House Banking Committee, said the bill would require extensive work by hospitals to check on patients' financial status. Some of the bill's requirements are best handled by social service agencies, he said.   [caption id="attachment_96887" align="alignleft" width="300"] Rep. John Szoka[/caption] "I think the bill is trying to do a lot of things at once," said Szoka. "I don't want to see our hospitals become an adjunct to social services."  The NC Healthcare Association does not have a position on the bill, spokeswoman Cynthia Charles said in an email, but it has a number of concerns about it.  "We have significant concerns that this bill would cause hospitals to absorb millions of additional dollars in uncompensated care," she wrote. "That, in turn, could increase the cost of care for others."  Each of the nonprofit hospitals and health systems in North Carolina have financial assistance and charity care policies that are printed on bills and publicized in other ways – on their websites, in brochures, and in conversations with patients, she wrote.   A 2013 state law sets out rules for collection of medical bills, Charles wrote, and a federal law covers debt collectors' behavior. "Additional guidance does not seem necessary," she said.   William Brewer, a lawyer who specializes in consumer bankruptcies, said medical providers have become less aggressive over the years in seeking to collect debts, but often those unpaid bills are part of an accumulation of debt that pushes people to file for bankruptcy. "For a lot of clients, it plays a more indirect role," he said in an interview. Often high medical bills mean that people have been unable to work because of illness, or were out of the workforce caring for a family member.   The bill would make an important change by relieving married people of responsibility for spouses' medical debts, he said in an email. The jointly held debt is detrimental to couples who want to protect jointly owned real estate from creditors. The section of the proposed law that says married people would not be responsible for each others' medical debt "would be very beneficial in assisting citizens in protecting their residences from medical creditors," Brewer wrote.


text:
Towards a Totalitarian Regime? European Commission Adopts GMO Vaccine to Combat the Covid-19 Virus
16 July 2020 — Global Research
By Julian Rose
In a decision which will shock many, the European Commission has taken a big step towards its ambition to subject its citizens to a totalitarian regime in which DNA altering technology forms the centre piece of mass control and unapologetic rule by despotism.
Under the chairmanship of the German Minister of Health, Jens Spahn, The Commission has adopted a new ruling which calls for 'the swift development of a GMO vaccine against Covid-19'.
Overturning its own earlier regulatory position, the Commission issued a press release on 14 July 2020, stating that this new act provides a 'temporary derogation' of clinical trials for a vaccine under what it cites as 'the contained use of genetically modified organisms.'
The press release goes on to say
"The regulation will apply only as long as Covid-19 is regarded as a pandemic by the World Health Organisation, or as long as an implementing act by which the Commission recognises a situation of public health emergency due to Covid-19 applies."
The text goes on to state
"The derogation provides that most operations related to the conduct of clinical trials will not require a prior environmental risk assessment or consent."
Jens Spahn is quoted as saying
"A vaccine against Covid-19 is urgently needed. This regulation will ensure that clinical trials in the EU can start without delay and that no precious time is lost. The act adopted today shows that the EU is ready to take the lead in the global effort to secure the development of a safe and efficient vaccine."
The European Commission, in need of a further 'fear factor' to exacerbate worry about a 'second wave', has clearly adopted the deeply flawed and widely disproven WHO position, that Covid-19 is a 'public health emergency'. More than this, it has decided that only a GMO Vaccine can eradicate that which is supposedly the cause of this emergency.
One could hardly ask for a more blatant example of the New World Order centralised control system – being pressed into service at the hands of unelected technocrats, Big Pharma and vaccination moguls whose names we are already all too familiar with.
This calls for a large scale act of international resistance and a reversal of the deeply arrogant rule by despotism which is attempting to wrest control of the planet.
The URL for the Commission's Press Release and details of the regulation here.
Full text below
Vaccine against COVID-19: Council adopts measures to facilitate swift development
Transatlantic Trade and Investment Partnership (TTIP) Could Open EU to 'New Biotech' GMO Seeds and Foods
Today, the Council adopted a regulation which aims to speed up the development and the deployment of a vaccine against COVID-19 in the EU. The act provides for a temporary derogation for clinical trials with such vaccines from the prior environmental risk assessment required in the EU legislation on the deliberate release in the environment and the contained use of genetically modified organisms (GMOs). In addition, it clarifies that this temporary derogation also applies when member states allow medicinal products containing or consisting of GMOs intended to treat or prevent COVID-19 to be used in certain exceptional and urgent situations defined in the pharmaceuticals legislation. The environmental impact of medicinal products (including vaccines) containing or consisting of GMOs intended to treat or prevent COVID-19 will remain part of the marketing authorisation process, respecting the environmental safety requirements set out in the GMO legislation.
The regulation will apply only as long as COVID-19 is regarded as a pandemic by the World Health Organisation (WHO) or as long as an implementing act by which the Commission recognises a situation of public health emergency due to COVID-19 applies.
Jens Spahn, Federal minister of Health of Germany
The regulation provides for a derogation from certain provisions of Directive 2001/18/EC on the deliberate release into the environment of genetically modified organisms and Directive 2009/41/EC on the contained use of genetically modified micro-organisms. The derogation provides that most operations related to the conduct of clinical trials will not require a prior environmental risk assessment or consent. These operations include packaging and labelling, storage, transport, destruction, disposal, distribution, supply, administration or use of investigational medicinal products for human use containing or consisting of GMOs intended to treat or prevent COVID-19. The manufacturing of such products will however still be subject to all provisions in those directives.
The regulation also clarifies that certain provisions of Directives 2001/18/EC and 2009/41/EC are not applicable when member states grant access to medicinal products containing or consisting of GMOs in certain exceptional and urgent situations. These cases are defined in Directive 2001/83/EC on the Community code relating to medicinal products for human use and Regulation (EC) No 726/2004 laying down Union procedures for the authorisation and supervision of medicinal products for human and veterinary use.
The regulation was adopted by written procedure.
Background and next steps
The Commission adopted its proposal on 17 June 2020. The European Parliament voted in favor of the proposed regulation on 10 July 2020. The regulation will be published in the Official Journal of the European Union on 17 July and enter into force on the following day.
Text of the regulation
Commission proposal
COVID-19 outbreak (background information)
Julian Rose is an early pioneer of UK organic farming, writer, international activist, entrepreneur and teacher. His latest book 'Overcoming the Robotic Mind – Why Humanity Must Come Through' is particularly prescient reading for this time: see www.julianrose.info. He is a frequent contributor to Global Research.
The original source of this article is Global Research
Copyright © Julian Rose, Global Research, 2020
Posted in: Covid-19, Europe, Health, National Security State | Tagged: coronavirus, GMO vaccine
NHS Consultant Says Staff Are Being Silenced Over COVID-19
Information Clearing House Headlines 17 July 2020

redpajama_set_name: RedPajamaCommonCrawl


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text:
Chemiluminescent device cover
A chemiluminescent device cover (10) having a hollow envelope (12) which has a translucent envelope outer layer (12C) manufactured from a fluorescing material and a perforated envelope inner layer (12D) securely attached to the envelope outer layer (12C). The fluorescing outer layer (12C) functions to receive light emanating through the perforations in the envelope inner layer (12D) from a chemiluminescent within the envelope (12) and re-emanate the light therefrom.
Knoll, Robert John (Sherman Oaks, CA, US)
KNOLL ROBERT JOHN
B65D33/00; F21K2/06; (IPC1-7): B65D65/02
20090183807 MORE VERSATILE FLEXIBLE COVER AND METHOD OF MANUFACTURE July, 2009 Sadlier
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20090056844 Protective auxiliary fuel pump handle for pumping gasoline March, 2009 Schanz
20060021684 Interchangeable purse and liner February, 2006 Decoro III
20070062622 Organizational System For Personal Effects March, 2007 Groover
20080295929 Storage Bag December, 2008 Barouh
20060163093 Method of providing a golf equipment container with adornment thereon and a golf equipment container provided with the adornment July, 2006 Kronenberger
20080235849 Art by hollis international wearbags October, 2008 Mccray-clark et al.
20070204944 Protective "table wrap" [ for umbrella table ] and fabric [ for any surface that you would use a decorative protective fabric ] September, 2007 Diaz
20070089818 Accessory bags with removable liners April, 2007 Bigel
GEHMAN, BRYON P
Matthew J. Cohen (Santa Monica, CA, US)
1. A chemiluminescent device cover (10) comprising: A) a hollow envelope (12) which comprises a translucent envelope outer layer (12C) manufactured from a fluorescing material and a perforated envelope inner layer (12D) securely attached to the envelope outer layer (12C).
2. The chemiluminescent device cover (10) as described in claim 1, wherein the envelope (12) further comprises at least one envelope flap (12A) positioned at a distal end.
3. The chemiluminescent device cover (10) as described in claim 1, wherein the envelope (12) further comprises an envelope fastener (12B) to attach the at least one envelope flap (12A) thereto.
4. The chemiluminescent device cover (10) as described in claim 1, wherein the envelope (12) is manufactured from a material selected from a group consisting of fuzzy fabric, faux fur, plastic, and plastic composite.
5. The chemiluminescent device cover (10) as described in claim 1, wherein the chemiluminescent device is selected from a group consisting of stick, necklace, bracelet, and ring.
[0001] 1. Field of the Invention
[0002] The present invention relates to chemiluminescent device cover. More particularly, the present invention relates to chemiluminescent device cover having a fluorescing envelope outer layer.
[0003] 2. Description of the Prior Art
[0004] Numerous innovations for covers have been provided in the prior art that are described as follows. Even though these innovations may be suitable for the specific individual purposes to which they address, they differ from the present invention as hereinafter contrasted.
[0005] In U.S. Pat. No. 6,033,080, titled, Emergency light operable on the lever principle, invented by Hasegawa, et. al., an emergency light includes a chemiluminescent light stick which can be easily operated to illuminate and taken out. When an operating lever is pushed, an engaging portion of a pivoting member pushes the bottom portion of the chemiluminescent light stick toward a wall surface. The chemiluminescent light stick has on the top end thereof a head secured to a holding hook of a holding member. The chemiluminescent light stick can be easily bent to illuminate by the lever principle with the protuberance of a case body serving as a fulcrum and the engaging portion serving as the point of action. When the operating lever is further pushed, the top end of the pivoting member protrudes frontward to open a top cover, and at the same time, the holding member which has been restricted by the pivoting member is released and it moves upward by the urging force of a flat spring and the pressing force applied by the head of the chemiluminescent light stick, thus enabling the chemiluminescent light stick to be removed.
[0006] In U.S. Pat. No. 5,043,851, titled, Polygonal chemiluminescent lighting device, invented by Kaplan, a polygonal outer shell providing improved light transmission characteristics for chemiluminescent lighting devices. The corners created by incidence of the surfaces that comprise the shell create a fiber optic effect by concentrating the light in the corners, thus enhancing visibility of light emanating from the light stick and optimizing the amount and distribution of light radiated from the device. Furthermore, a hook-shaped tip by which the light may be suspended from means of horizontal support. In an alternate embodiment, the hook defines an opening and a quick release locking device which allows quick insertion of means of horizontal support into the eye and simultaneously prevents the support from disengaging therefrom unless the locking device is released.
[0007] In U.S. Pat. No. 4,930,776, titled, Game ball, invented by Newcomb, et. al., the present invention takes the WIFFLE RTM BALL baseball into the darkness and allows for the continued play, without need of any complicated or expensive lighting equipment or the like. The standard WIFFLE® BALL baseball design is retained, and instead of traditional white plastic, a translucent plastic material is employed in the construction of the ball. Inserted into the ball for night play is an activated chemiluminescent light stick, such as those manufactured by, or under license from, the American Cyanamid Company and sold under the trademark CYALUME® The light stick used herein is an elongated flexible tubular member, joined at its ends with a connecting piece forming a circular light-ring. The light ring is readily inserted into the cavity of the translucent WIFFLE® BALL baseball and retained therein without the need of any special attachments or further modifications. Under field testing, the thus modified NITELITE WIFFLE® BALL baseball performed like a traditional white plastic WIFFLE® BALL baseball, and the light-ring provided ample visible light for about 4-6 hours.
[0008] In U.S. Pat. No. 4,695,055, titled, Illuminated translucent golf ball, invented by Newcomb, et. al., a dimpled golf ball for use after dark. The ball is made of translucent plastic and contains in a diametrical hole therein a chemiluminescent light stick which when activated renders the ball when used in the dark plainly visible in the air and on the ground. In a preferred form, the ball is made to comply with the rules of the United States Golf Association so that it may also be used for competitive daytime play. In a modified form, the resilience of the ball may be substantially diminished so that it will travel a much less distance than the preferred ball when hit with the same club.
[0009] In U.S. Pat. No. 4,649,660, titled, Fishing float assembly, invented by Kurka, et. al., a fishing float assembly for use with a fishing line, and having a chemiluminescent light stick assembled thereto, is provided. The fishing float is a standard fishing float, having an upstanding substantially rigid circular neck at its top, to which is assembled an attachment portion. The attachment portion comprises a body having a sleeve in its lower end, where the sleeve has one or a plurality of slits formed along its length, and has a collar fitted over the sleeve. Either or both of the sleeve and collar may have sloping faces such that downward movement of the collar along the sleeve causes the sleeve to constrict and thereby grip the neck portion of the float. At the upper end of the body of the attachment portion, a socket is formed and dimensioned so as to grippingly retain a chemiluminescent light stick when placed therein. The light sticks are, themselves, available in the market, and have standard and constant dimensions.
[0010] In U.S. Pat. No. 4,563,726, titled, Illuminated chemiluminescent drinking mug, invented by Newcomb, et. al., a one piece illuminated drinking mug made of light permeable plastic, the mug wall being generally tubular with a flat bottom and having an axially disposed light permeable tube attached integrally to the bottom, the tube being longer than one half the vertical dimension of the mug, the tube being closed at its upper end and open at its lower end, said tube adapted to receive a light stick, and means for temporarily maintaining said light stick within said tube.
[0011] The aforementioned patents differ from the present invention because they lack one or more of the features of the present invention as follows: a chemiluminescent or luminescent stick, necklace, bracelet, ring, etc. which glows in the dark; translucent fabric, material and/or faux fur covering the chemiluminescent stick; and optional scenting.
[0012] Numerous innovations for covers have been provided in the prior art that are adapted to be used. Even though these innovations may be suitable for the specific individual purposes to which they address, they would not be suitable for the purposes of the present invention as heretofore described.
[0014] The types of problems encountered in the prior art are chemiluminescent devices lack an outer covering enabling them to change light color and aesthetic appearance.
[0015] In the prior art, unsuccessful attempts to solve this problem were attempted namely: various configurations of covers. However, the problem was solved by the present invention because it incorporated an inner perforated layer and an outer flourescent layer.
[0016] Innovations within the prior art are rapidly being exploited in the field of chemiluminescent devices.
[0017] The present invention went contrary to the teaching of the art which describes and claims plain covers.
[0018] The present invention solved a long felt need for an aesthetic cover which is capable of changing light color of the chemiluminescent device.
[0019] Accordingly, it is an object of the present invention to provide a chemiluminescent device cover having an envelope.
[0020] More particularly, it is an object of the present invention to provide an envelope having an envelope flap, envelope fastener, envelope outer layer, and envelope inner layer.
[0021] The novel features which are considered characteristic for the invention are set forth in the appended claims. The invention itself, however, both as to its construction and its method of operation, together with additional objects and advantages thereof, will be best understood from the following description of the specific embodiments when read and understood in connection with the accompanying drawings.
LIST OF REFERENCE NUMERALS UTILIZED IN THE DRAWINGS
[0022] 10—chemiluminescent device cover (10)
[0023] 12—envelope (12)
[0024] 12A—envelope flap (12A)
[0025] 12B—envelope fastener (12B)
[0026] 12C—envelope outer layer (12C)
[0027] 12D—envelope inner layer (12D)
[0028] FIG. 1 is a side view of a chemiluminescent device cover (10) encasing a chemiluminescent.
[0029] FIG. 2 is a cross sectional view of an envelope (12).
DESCRIPTION OF THE PREFERRED EMBODIMENT
[0030] Referring to FIG. 1 which is a side view of a chemiluminescent device cover (10) encasing a chemiluminescent. The chemiluminescent device is selected from a group consisting of stick, necklace, bracelet, and ring.
[0031] Now referring to FIG. 2 which is a cross sectional view of an envelope (12). The chemiluminescent device cover (10) comprises a hollow envelope (12) having a translucent envelope outer layer (12C) manufactured from a fluorescing material and a perforated envelope inner layer (12D) securely attached to the envelope outer layer (12C). The fluorescing outer layer (12C) functions to receive light emanating through the perforations in the envelope inner layer (12D) from a chemiluminescent within the envelope (12) and re-emanate the light therefrom. The envelope (12) preferably further comprises at least one envelope flap (12A) positioned at a distal end functioning to enclose the chemiluminescent therein. The envelope (12) preferably further comprises an envelope fastener (12B) to attach the at least one envelope flap (12A) thereto. The envelope (12) is manufactured from a material selected from a group consisting of fuzzy fabric, faux fur, plastic, and plastic composite.
[0032] It will be understood that each of the elements described above, or two or more together, may also find a useful application in other types of constructions differing from the type described above.
[0033] While the invention has been illustrated and described as embodied in a cover, it is not intended to be limited to the details shown, since it will be understood that various omissions, modifications, substitutions and changes in the forms and details of the device illustrated and in its operation can be made by those skilled in the art without departing in any way from the spirit of the present invention.
[0034] Without further analysis, the foregoing will so fully reveal the gist of the present invention that others can, by applying current knowledge, readily adapt it for various applications without omitting features that, from the standpoint of prior art, fairly constitute essential characteristics of the generic or specific aspects of this invention.
[0035] What is claimed as new and desired to be protected by Letters Patent is set forth in the appended claims.
Previous Patent: Gas-generating pyrotechnic compositions with a hydrocarbonaceous binder and continuous manufacturing...
Next Patent: Pneumatic tire


Nothing compares to the Highland Park lifestyle! With small-town charms, exemplary public schools, and iconic tree-lined streets, Highland Park is filled with opportunity. And it's chock full of impressive Open Houses to keep you busy all weekend long. We've rounded up three of our favorites. If you tour any of these beauties, be sure to let us know.
Open house: Sunday, March 31, 2 p.m. to 4 p.m.
This is the elegant French estate you always wanted. Welcome to 4304 Belclaire Avenue, the classic and timeless estate located on one of the most prestigious French streets in Highland Park. The realtor team, TJ Frank and Greyson Johns of Rogers Healy and Associates, just listed this 7,398-square-foot beauty for $5.985 million.
The talented team of builder Christine Goff and architect Will Snyder, who've teamed up before for a palatial Versailles Avenue estate we wrote about a few years ago, created this exquisite 2009-built home in Highland Park. Native limestone wraps the exterior with large windows and well-manicured landscaping. Inside you will find an ideal floor plan with five bedrooms, five baths, one powder bath, and an elevator.


Topic: HT Club 40 new speaker.
Re: HT Club 40 new speaker.
Does everyone bias their HT40 when changing power tubes? Or do you just plug and play. What results have you got going either way?
I've got a simple "All in One type PC". It does not have a "line in jack". It does have a "mic in" jack.
I have Audacity loaded on the machine. What is the Best way to connect the HT 40s line out to the pc?
Anyone know where I can get a Blackstar logo, like the one on HTV112.
Yes...I'm gonna do it. All the cabling will be made as short as possible and hidden neatly behind the cabs. It will be fine. Thanks for your reply!
I just drew a simple diagram of a series circuit using two 8 ohm speakers and came up with a way to make it work although it requires that both speakers be used at all times. You cannot disconnect the external cab. This would create an open circuit.
Ok Great! So that leads me to believe that each tube is independent from one another and that no cascading gain exists. (Changing V1 to a lower gain tube has no effect on the OD Channel and that V2 has no effect on the clean channel ). Is this correct?


The Perch Patrol is a team of professional guides that fish Devils Lake harder than anybody! Using the best equipment, safe and comfortable boats, and fishing this fishery practically every day has made this team of guides one of the industry's most respected guide services.
Includes: Guide, boat, fuel, bait, and rods. 8 hours of fishing, beginners welcome!
If you like to fish, make Devils Lake, ND your destination. Woodland Resort's Super Summer Package is bar none, the most popular guided fishing package on Devils Lake. You will spend each day on the water with Devils Lake's most respected and experienced staff of guides, Perch Patrol Guide Service. This staff of guides attack the lake each day like a swat team. The expericence, knowledge and network this guide staff has is amazing. Let the Perch Patrol put you on fish while you are on vacation. Our Super Summer Guide Service Package combines the best guides on the lake with our famous hospitality. All packages include meals, lodging, fish cleaning, and freezing at our beautiful resort.
2 days of fully guided fishing where the guide provides the boat, fuel, bait, and all fishing equipment. 3 nights of lodging at Woodland Resort (motel type rooms or Lodge units), 3 evening meals to be used in resort's restaurant (a $20 ticket for each meal is included for you to choose from menu), 2 packed lunches, 2 breakfast meals of your choice from resort's on-site restaurant.
3 days of fully guided fishing where the guide provides the boat, fuel, bait, and all fishing equipment. – 4 nights of lodging at Woodland Resort (motel type rooms or Lodge units), 4 evening meals (a $20 ticket for each meal is included for you to choose from menu), 3 breakfast meals of your choice from resort's on-site restaurant.


Singapore-based watch design studio Humism has launched on Kickstarter its Kinetic Art Collection. Humism's designs emerged from a dissatisfaction with the generic minimalism that is currently flooding the micro-brand watch field. As designers, they view the watch as an artistic canvas and are excited by its unique creative possibilities. But most watches never fulfill this potential.
The designers were inspired by the potential of using time's movement to create visual beauty, and perhaps even a philosophical meaning. In their design research, they drew inspiration from the Kinetic Art movement, vibrant in the early 20th century. Kinetic artists broke from traditional static art pieces and created art that produced beauty through movement. These innovative visual experiences created new interactive relationships between the artwork and the viewer.
Humism's debut collection consists of three watches with dials featuring an animated spiraling pattern. Each model is named after ancient Greek philosophical concepts: Eudaimonia, Geist and Dasein. Eudaimonia features four concentric circles that dilate as the discs rotate, while Geist uses organic shapes to create an illusion of differing speeds, and Dasein is a geometric floral pattern that radiates from the center of the dial.
The watches are available now on Kickstarter for $265 USD. 5% of the sales will be donated to The Red Pencil, a non-profit that uses art therapy to help those suffering from emotional trauma.


text:
<?php

namespace Backend\Controller;

use Zend\Mvc\Controller\AbstractActionController;

class IndexController extends AbstractActionController
{

    public function indexAction()
    {
        $this->authorize('admin.see-menu');

        return $this->ajaxViewModel();
    }

}

redpajama_set_name: RedPajamaGithub


text:
Security Firm Warns of New E-Commerce Threat
By Matthew Beale
January 7, 2000 12:00 AM PT
E-commerce security solutions provider and research firm nCipher is alerting the online community to a potential threat that the company believes could leave e-commerce operations vulnerable to the theft of private cryptographic keys from a server.
nCipher is warning that e-commerce Web sites may be vulnerable to a "key-finding attack," allowing unauthorized access to secure information ranging from personal customer data to credit card numbers.
The Attack
An e-commerce operation that has implemented what experts identify as proper security procedure will utilize private keys to encrypt and store data on a server, where it must be decrypted before use. The problem, according to nCipher, is that the keys used in secure Web servers are unusual numbers with specific mathematical properties, making it possible for an intruder to identify them.
"Once the intruder has found the key, gained permission to read the memory where it is stored and copied the key, the Web server and its customers are defenseless," said an nCipher statement.
However, according to security firms such as Entrust Technologies, the intruder is more likely to be an insider than a hacker/cracker working remotely.
A Proposed Solution
According to nCipher experts, a software solution alone will not be adequate. The company proposes a software export tool to migrate sensitive data from an existing Web server to another, more secure piece of hardware.
"Security vendors must be constantly on the lookout for potential vulnerabilities in order to develop more powerful preventative solutions, as well as to guide organizations on how to establish and follow best practice security standards," commented Dr. Nicko van Someren, CTO and co-founder of nCipher.
"The use of dedicated key management hardware in e-commerce systems can vastly improve the standard of security achieved, since it has been demonstrated that techniques employing software alone are inadequate."
nCipher has garnered support from a number of industry mainstays, including Microsoft, in what it describes as an attempt to make more businesses with an e-commerce component aware of the potential problems associated with a "key-finding attack."
"Research like this is vital in enabling our customers to understand the full range of possible threats to their systems," commented Scott Culp, security product manager at Microsoft. "Once they know the threat, they can assess whether software-only or hybrid software/hardware solutions are most appropriate for them."
More significantly, nCipher has also indicated that it will work with intrusion detection software vendors to enable vulnerability checks designed for this type of attack.
What's @Stake
In other online security news, @Stake, Inc. recently launched with $10 million (US$) in funding and an impressive roster of star players. The new e-commerce security firm, which aims to be more of a consultancy than a product manufacturer, has brought on John Rando, former Compaq senior vice president, and Ted Julian, former Forrester Research security analyst, as executives.
Additionally, the new company has merged with L0pht Heavy Industries, bringing head scientist and minor celebrity Dr. Mudge on as president of research and development. L0pht is an online security firm and think tank, composed of "freelance hackers."
More by Matthew Beale
One Year Ago: Red Hat Finds E-Commerce At Hell's Kitchen
One Year Ago: Anti-Virus Vendors Warn Of New Y2K Viruses
Linux Grows Up
Technology Spotlight: Mission Critical Linux
IBM and Linux: A Test of Metal
The End of Linux Hysteria?
Linux in the Post-Microsoft World
Technology Spotlight:TurboLinux
IBM Unveils Linux-Based Supercomputer
Caldera IPO Marks First Linux Disappointment


Can you email me the "bit.ly" link that you received on facebook? I just want to use it for research purpose.
Can you send me link to pdf file? I want to research too.
Many thanks for your article. Is there any way to remove this malware from my Mac (OS 10.12.6) and Chrome browser?
My Facebook Scrabble page has been opening new windows with a fake survey page for our local telcom.


The following series of questions are required for our doctor to successfully make an diagnosis of your condition. This information is required for making your account and medical record within our system.
Doctor will review your concern and reply with additional query, or decide to have a video consultation if necessary.


While brushing, flossing, and regular visits to the dentist will keep your teeth healthy, it may not be enough to keep them as white as you'd like. At Koval & Koval, we offer the best whitening treatment we've seen: Zoom2 whitening. With a single whitening session, Dr. Koval can brighten your smile by up to eight shades for a whiter, more beautiful smile.
There are many different causes of tooth discoloration, some more preventable or avoidable than others.
The Zoom2 whitening procedure is simple, quick, and straightforward. After your teeth are cleaned, a bleaching gel is applied to stains or discolored areas. This bleaching gel is then exposed to a special laser light to trigger the gel's whitening properties. This process is repeated as needed to achieve optimal results.
Though patients have noticeably whiter teeth instantly, additional whitening sessions can be scheduled in order to achieve optimal results.


Add garlic, onion and curry powder.
Cook over medium heat for a few minutes, and add the mince meat.
Fry until meat is almost done.
Squeeze the milk from the bread using your hands.
Set the milk aside and add the bread, vinegar, lemon juice, sugar and chutney to the mince lamb meat.
Fry for a minute, then remove from heat.
Take a pie dish and place three bay leaves, two orange wheels and lemon wheels at the bottom of the pie dish.
Place the mince mixture in the dish.
Decorate the sides of the dish with the rest of the lemon and orange wheels, by placing them between the mince mixture and the side of the dish.
If you choose to use almonds, then push it into the mince mixture.
Beat the eggs with the milk, and pour over the mixture.
Put three bay leaves on the top of the dish.
Place the dish in the oven uncovered and cook for about 30 minutes at 160 Celsius degrees.
Served hot with green salad and yellow rice.


text:
Playlist of My Life
Fan Survey
Compliment Battle
Resumé Tour
Teen Vogue's Editor-In-Chief Explains Her Career Path, from First Job to Current
Teen Vogue Editor-in-chief Lindsay Peoples-Wagner has been a fashion reporter, waitress, Teen Vogue intern, and Oprah employee. From her beginnings as a fashion closet intern to her current role as EIC at Teen Vogue, Peoples-Wagner explains what skills, experiences, and sacrifices it took to get her this far.
Hi, my name is Lindsay Peoples Wagner,
I'm the editor-in-chief at Teen Vogue,
and today, I'm gonna tell you how I got here.
[relaxing music]
[printer prints]
Objective.
One thing that I've always really wanted to do
with the work that I'm creating
is empowering young voices
and really making inclusivity at the forefront of everything
through the lens of style.
Headshot.
So this is the headshot that I use
and I actually love
that this isn't like a traditional headshot.
I don't have like a blazer on,
it's not on like a very gray plain background,
because it's really indicative of who I am as a person.
I'm always in hoops, that's my thing,
I love red, I love colors.
And I think, specifically, there's so many things in this
from the photography to this artwork that says
[mumbles]
to my Angelo books, it's really encompassing of
I would say that I use Instagram the most for
really talking about things that I'm doing at work, and
it's where I find that I actually engage with
people the most, I think people that
have to post six times a day are really
trying to calculate and make it analytical,
it just takes the fun out of it,
and I don't think it really comes off as authentic
so I really just post when I feel like it and
when I have somethings to say.
Work experience.
I'm editor-in-chief of Teen Vogue,
and I've been in this position since October 2018.
Day-to-day, it's really restructuring of a lot of things,
when I came in there were really a lot of pivotal changes
that I wanted to make to the brand,
whether it be focusing more on fashion, beauty, and
how we cover politics, and how we talk about identity
as a young person, there were just so many initiatives
that I really wanted to instate.
I'm also the person who's responsible for hiring
talent, and staff,
and who's on the covers, everything in between.
I have no idea how many people report to me,
it's an absurd number. It's
over a hundred.
It's really hard to hire these days because
I'm really looking for someone who is hungry to
do the work, and less thirsty for attention.
I get a lot of resumes that are poorly put together,
I do really want people to be a bit more diligent,
when they're sending their resume,
and making sure you're sending it to the right person,
and asking for the right job, doing your own research,
and taking initiative to make sure that it comes correctly.
The Teen Vogue Summit is really special to me because
it's really important for a brand like us to
connect with our readers.
A lot of the Summit is choosing who's on panels,
and choosing who we feature, and choosing who's
on the cover, and so a lot of that work is also
on my plate to be done.
I think the most unexpected thing that I have
had to do in this job is probably have a million meetings,
which, I don't know, nobody told me.
Being an editor-in-chief at Teen Vogue is
specifically a dream job for me because I've spent
so much time at this brand,
it means so much to me personally.
It's the dream to really have control, and really
help influence culture, and
give a platform to young people that I think that
other brands and media companies would never do.
Before becoming editor-in-chief at Teen Vogue,
I was fashion editor at The Cut in New York Magazine,
from April 2015 to September 2018.
When I started out as an editor,
it was very different because I was a bit more meek,
and I was a bit more, just careful with the content
that I put out, or things I said, in meetings,
to pitch, for stories.
As a fashion editor, my tasks were really,
starting out were really just, you know,
writing market stories, helping style the shoots,
helping anything in the fashion department
that needed, but, I really made the role my own,
and started to do a lot more interviews,
started a couple columns.
I had a column called The Blow Up where I styled
and wrote about up-and-coming, emerging talent.
Fashion was my main beat, but I definitely
dibble dabbled in culture and other things as well.
The piece that I wrote Everywhere and Nowhere What
It's Really Like to be Black in Fashion
was really a passion project of
a lot of different things,
it was about six months of research, writing,
interviewing, transcribing,
organizing, editing things down,
it's been an amazing thing to see people really
talk about their experiences because
traditionally I think that people of color,
and specifically black people have felt like they
needed to be silent about the way that they've
been treated in the fashion industry.
I'd actually had a lot of people who had said,
I shouldn't do it, and that I was gonna be
blacklisted and that I wouldn't be able
to get a job.
I did win an ASME Next Award for Top Journalist
Under the age of 30.
I definitely, at The Cut, really got to spend a lot
of time thinking about what kind of writer I want to be,
I do think that, you know people love fashion because
they think that it can be frivolous and parties and
free clothes and all of these, seemingly surface,
glamorous things, but, when it gets down to it,
to really, find your footing in this industry,
and to be more than someone who just cares about clothing,
you really have to latch onto something that sustains
you personally, that's almost visceral and feels
like it's part of you.
Before I was at New York Magazine, The Cut,
I was a fashion reporter at style.com, which has
now merged into vogue.com, and I was there
When I was at style.com, rest in piece style.com,
it was such a beautiful print magazine, and also
online, so that was really what attracted me to
working at style.com.
My day-to-day duties really spanned from, you know,
administrative things, helping any editor out,
transcribing, you know, producing pieces up on the site.
One of my favorite things that I worked on when
I was at style.com was we would have to sit
and do something called modelizing.
We would have to sit there and actually go through
names and lists and write the models that
corresponded to walking at each show.
I always found it really interesting because
it was a way for me to dream up new stories
that I wanted to do, like this cool model,
during the day she actually goes to school
to be a chemist, and it would turn into a story.
And I think it also just helped
give me a memory of a lot of different trends,
and designers, and shows, are really iconic because
we were in charge of going through archives of shows.
I left style.com because, I mean it was just time
that I needed more money.
Before style.com I was fashion market assistant
at Teen Vogue, from 2012 to 2015.
I was able to get my job at Teen Vogue because
the same boss that I had when I started working
at Teen Vogue was also my boss when I interned,
so she was the one who actually directly reached out
and said if you're still looking,
we have something open.
I started out just in the closet,
which is literally, you know, organizing
and merchandising shoes by color and brand, and
organizing racks, and making sure that
that Prada skirt came in, it's supposed to be
at the run through at two.
From there it was always, just, keeping track of
every fashion item that came in,
which is, you know, standard sample trafficking.
It's the most eager job when you come in as an assistant,
because you don't really know the playing field,
you don't really know who you should help,
if you should offer to do this for one person,
if the - or if they'll find that annoying.
By the middle of my time at Teen Vogue,
I was able to work on a lot of special projects,
which was fun.
The time Teen Vogue had a betting line that was really fun
and I got to work on that, and figure out different
patterns and this is gonna go on this comforter,
and this is where it's gonna be sold.
I helped, you know, work on the Teen Vogue Handbook,
which was an old school, like handbook of all
the people that worked at the brand, and
telling their story, and--
At that time actually as an assistant, I was
only making minimum wage, on the weeknights I
actually worked at DKNY and changed mannequins,
and I did that till like two or three in the morning,
and then on the weekends I waitressed
at a Jewish restaurant. In Tribeca.
I think the thing I learned is, you know,
working other jobs at the same time as working
a full-time job, always be nice to people who
help you in service, they're not doing it for fun,
they're doing it because they need to survive.
So, by the time I left Teen Vogue I was really just
tired of working three jobs, and needed more money.
Before Teen Vogue, I was freelancing at
Oprah Magazine, as a reporter.
I worked with the digital fashion team, at that time,
and it was anything from, writing, you know,
up a blurb about a new brand that we were crazy about,
you know, help with styling, of shoots, I got to work on
Oprah's Favorite Things, which was really fun.
I did that freelance job but I wasn't always
freelance styling for people,
a lot of stylists would hit me up and say
oh, so-and-so rich daughter may need a dress
for this birthday event that she's going to,
I would take gigs like that.
Before Oprah Magazine I was a closet intern
at Teen Vogue, starting in 2010
and on and off into 2012.
So Teen Vogue was my first magazine internship,
I had actually talked to one of my journalism teachers
at school about it, and she saw a post on this site,
they were looking for someone to just, basically
come clean the fashion closet during winter break,
and I really just wanted to get my foot in the door
and just see what the culture was like.
I came back like that next summer, and the
summer experience was vastly different because it
was a lot more people there, and I really got to see how
all these big shoots come together, and how
you plan out all the model castings,
and how you, you know, really build a magazine
from start to finish, which was really amazing,
and I always think back on that time.
I went to McDonald's for one of my bosses regularly.
I had to walk people's dogs,
I had to go get coffee,
I had to go pick up people's children, like
I did a lot of things that you probably shouldn't do, but
you do when you're an intern, because you're hungry
and you wanna prove to people
that you really want to be there.
I studied at Buena Vista University, I graduated
with a bachelor's in journalism, and I was there from
2008 to 2012.
So I studied abroad my junior year of school, and
I went to London College of Fashion.
And I took every course from PR to
how to drape because I knew how to sew, and
you know, fashion history on different trends,
and really just wanted to expose myself to all of it,
because I wanted to figure out, kind of,
what I really was good at.
I don't actually think that people should
go to fashion school traditionally, unless you
want to be a designer, because designing is very specific
and you really have to be able to
know all your textiles, know how to drape,
and know about production, and all of those things.
Fun fact, I had a stay-in scholarship.
I've been singing all my life, I just
did not want to sing professionally, so I
used the money to pay for school.
I would include Anna Wintour on my resume.
She's my current boss, I feel like, I feel like
she would vouch! I think that Anna would say
that I'm just really competent in my convictions
and feel really strongly about changing
the culture of inclusivity.
And that's everything on my resume.
Time to print.
This is a very nice resume.
If I have to say so myself.
Its also very pretty. I'm very into this.
I wouldn't put Anna on my resume, that's just weird.
I wouldn't necessarily write, like, my beat
because I feel like that's a weird term,
like I would just list articles that I've written.
I would say to any young people who are
dreaming of becoming an editor-in-chief to just
work hard, and really really focus on what
you want to do and what you want to say, because
there's so much noise in this industry,
but it really does come down to work ethic,
and having something unique and original
to bring to the table.
That's it, that's my resume.
Starring: Lindsay Peoples Wagner
Broadway Dancer Explains Her Career Path, from First Job to Current
Comedy Writer Explains Her Career Path, from First Job to Current
7 Simple Ways to Give Back This Holiday Season
7 Ways to Stay Calm After Applying to Colleges
Ask An Undocumented Girl: What Makes You An American?
How to Train for the Winter Olympics
Stuff Winter Olympians Are Tired of Hearing
Meet Olympic Snowboarder Chloe Kim
Meet the 'Shib Sibs': Olympic Ice Dancers Maia and Alex Shibutani


text:
Indianapolis, Indiana, USA
History at Your Fingertips: Providing Access via Interactive Multi-touch Technology
Lola Pyne, Library of Congress, USA
Technology is consistently transforming the ways in which museums and libraries provide access to their collections and holdings. Multi-touch interactive table exhibits have the power to deliver objects and documents in engaging communal settings. The unique experience that interactive tables provide, both in terms of the type and quality of interaction with artifacts and with other individuals, makes them ideal for sharing collections on-site and beyond the walls of the cultural institution. This paper examines these benefits within the context of the Library of Congress's interactive multi-touch application, History at Your Fingertips: U.S. Presidential Nominating Conventions, which showcased historical content on the Microsoft Surface platform at the 2008 Democratic and Republican National Conventions.
Keywords: multi-touch, multi-touch, interactive table, Surface, user interface
The Library of Congress is the nation's oldest federal cultural institution and the largest library in the world with 142 million items in its collections. These items include books, recordings, photographs, maps, and manuscripts which are available in 470 languages. With a mission to make these vast, multi-format resources available and accessible, implementation of new technologies is one way the Library is able to increase access to its resources in innovative and far-reaching ways.
In the summer of 2008, the Library made significant and timely content available to its two main constituencies, Congress and the American people, via an interactive table application developed for the Democratic and Republican presidential nominating conventions. The multi-touch, interactive Microsoft Surface platform proved ideal for presenting primary source documents, multi-format materials, and curatorial information while providing interaction that simulates actual manipulation of objects.
Using the History at Your Fingertips project as a case study, this paper will address how:
multi-touch user interfaces approximate "real-world" object manipulation;
interactive tables provide greater access to museum and library collections;
interactive multi-touch tables provide engaging experiences for users.
Developed in under six weeks, the History at Your Fingertips application allows users to select host cities to access multimedia objects from past presidential nominating conventions. More than 170 available objects include photographs, hand-written documents, sound clips, seating charts, video clips, telegrams, posters, political cartoons, and speeches spanning 150 years. Highlights include a poster from the first Republican Convention held in 1856, a hand-written letter from Abraham Lincoln to the convention president accepting his party's nomination, a sound recording of Franklin D. Roosevelt made in 1932, a photograph of Coretta Scott King at the 1976 Democratic Convention, and video of Barbara Jordan's keynote speech at that same 1976 convention.
Developed in partnership with Microsoft and the development firm InterKnowlogy, the application runs on the Microsoft Surface platform and was coded in Windows Presentation Foundation (WPF).
Multi-touch Interfaces and Object Manipulation
User interfaces – requirements for multi-touch
The Library content identified by curatorial staff and the expanded possibilities available with interactive tables provided the basis for functional design. InterKnowlogy used an iterative design and development process to construct the final user interfaces and interaction schemas.
Five key considerations were addressed during the design process.
Multi-user interaction – multiple people will use the application at one time.
Multi-user orientation – individuals can use the table from any of the four sides.
Intuitiveness – users should be able to guide themselves through the application.
Discovery – animations and graphics should be used to effectively invite users to touch elements that allow for progression through the application.
Enticement – passersby should be attracted to approach the table and engage with it.
Each of these requirements guided decision-making throughout user interface development. User observations conducted during the design process helped to fine tune the "intuitive" nature of the application.
User interfaces – the benefits of multi-touch
Standard touch-screen kiosks generally implore the user to touch various buttons, controls, and other on-screen elements as a way to navigate through information in a self-serve environment. However, multi-touch tables are better suited for object discovery as touch and gesture are employed in a way that approximates actual manipulation. The larger surface and horizontal orientation of interactive tables allow for shared and social experiences.
Starting out – maps and playing cards
History at Your Fingertips: U.S. Presidential Nomination Conventions begins by offering users the option to view Democratic or Republican artifacts. After the choice is made, the main geographic interface highlights U.S. cities where party conventions have taken place, along with the year(s) of the convention(s). Upon selection of a city/year, a card pops up which features a picture of the nominated candidate for that year along with summary information about the convention itself. The card is oriented in the direction of the user who selected the item. Upon touching a control on the card, the screen is populated with related multimedia objects.
Fig 1: The map interface on the History at Your Fingertips: U.S. Presidential Nominating Conventions Microsoft Surface table
Moving an object
Users can move artifacts around by touching and dragging them. A user can move an object closer, "pass" one across the table to another user, and change the orientation to share details with another person. (This works just like passing real documents or photographs across a desk and rotating them in the direction of the viewer.)
Flipping an object
Users can flip an artifact over by placing two fingers down on it and performing a "flipping" motion. A flip-over icon can also be touched to get the same result. Turning over objects such as photographs and audio files reveals additional content in the form of citations and curatorial information. (Think of flipping an old photograph over to see the written information printed on the back.)
Zooming in and out
Users place two fingers on an object and move them apart and together for the desired zooming affect. (Imagine stretching an item with two fingers.)
Fig 2: User initiating action to "zoom in" on artifact
Fig 3: Artifact enlarged by user for closer examination
Playing audio and video
Users 'press' play, stop, etc., by touching the multimedia control buttons anchored to the audio and video artifacts (just like pressing the controls on your DVD or video player).
Though not part of the initial implementation of History at Your Fingertips, Microsoft Surface tables are capable of recognizing actual physical objects tagged with identifying codes. Imagine placing a facsimile of a document or a replica of an artifact on the computer table to have related information displayed. Curatorial information, location, educational activities, video and any associated relevant content could be made available in this way.
Multi-touch and Collection Access
Web sites and on-line collections are effectively being used to expose more of an institution's holdings than can be physically exhibited. Interactive tables have the benefit of providing high-quality digital access to items both on-site in the context of a full exhibition and in other settings as stand-alone exhibits to deliver collection items outside of the institution.
Six Microsoft Surface tables were available at both the 2008 Democratic National Convention in Denver, Colorado and the Republican National Convention in Minneapolis, Minnesota. Attendees, delegates, press, House and Senate members, governors and others had access to History at Your Fingertips for the full four days of each convention.
Fig 4: Attendees at the 2008 Republican National Convention using the
History at Your Fingertips: U.S. Presidential Nominating Conventions application
The Library was essentially able to "bring" collection treasures on-site to share with the public the history of a long-standing and significant event right in its midst. Conference-goers were able to magnify and rotate captivating photographs, zoom in to read important handwritten and printed documents, and play poignant sound and video clips to recall stories of the past, all while they themselves were becoming a part of convention history. In this manner, an institution could conceivably provide any manner of its content related to any context using interactive tables as display tools.
Engaging Experiences for Users
History at Your Fingertips was uniformly well received at both conventions. The format provided for users to receive an optional five-minute demonstration on the table itself. Most users interacted with the application for an additional fifteen to twenty minutes after the introductory demonstration, while others stayed for upwards of an hour. Adults and children were equally facile, with younger users more willing to dive in without a demonstration. The technological aspect of the experience quickly dissolved as users realized how self-evident it all was. The application was self-explanatory and the technology responded in predictable ways. The content took front stage as individuals became enthralled listening to the voice of William Jennings Bryan recorded in 1896, reading a 1912 telegram from Theodore Roosevelt, examining a photograph of Dwight and Mamie Eisenhower, or watching video of President Kennedy delivering a speech. The objects made the stories come to life, and the platform allowed users to "touch history."
Fig 5: Library of Congress Educational Outreach staff test-driving History at Your Fingertips
In addition to providing engaging communal experiences on-site, multi-touch computer-based exhibits also have the power to deliver artifacts outside the walls of the cultural institution. The type and nature of the interaction in multi-touch environments allows for high-quality simulated object manipulation via touch. The medium allows for collection holdings to be presented in relevant and meaningful real-world settings; interactive tables allow for captivating experiences that are collective in nature. The Library of Congress's History at Your Fingertips Microsoft Surface application exhibited at the 2008 presidential nominating conventions effectively demonstrated these benefits.
History at Your Fingertips was a collaborative project between the Library of Congress, InterKnowlogy, and Microsoft. The Library developed the concept; curatorial staff from the Library's Prints & Photographs Division, Motion Picture, Broadcast & Recorded Sound Division, Manuscript Division, and the Humanities & Social Sciences Division identified and contributed content. InterKnowlogy performed application design and development. Microsoft provided technical guidance and project support. Rodney Guzman and Bahareh Lameijavan of InterKnowlogy and Lamont Harrington and John Sampson of Microsoft contributed information for this paper.
Pyne, L., History at Your Fingertips: Providing Access via Interactive Multi-touch Technology. In J. Trant and D. Bearman (eds). Museums and the Web 2009: Proceedings. Toronto: Archives & Museum Informatics. Published March 31, 2009. Consulted http://www.archimuse.com/mw2009/papers/pyne/pyne.html
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Stock Trading Strategy & Education
Stock Trading Stock Trading Strategy & Education
By Gordon Scott, CMT
What Are Dogs of the Dow?
Dogs of the Dow is an investment strategy that attempts to beat the Dow Jones Industrial Average (DJIA) each year by optimizing towards high-yield investments. The general concept is to allocate money to the the 10 highest dividend-yielding, blue-chip stocks among the 30 components of the DJIA. The strategy requires re-balancing at the beginning of each calendar year.
The Dogs of the Dow is a well-known strategy first published in 1991.
The strategy attempts to maximize the yield of investments by buying the highest-paying dividend stocks available from the DJIA.
The strategy's track record shows that it beat the index during the 10-year stretch that followed the financial crisis.
Understanding Dogs of the Dow
Because the Dow is one of the oldest and most widely followed indexes in the world—and generally is seen as a barometer for the broader market—it is not uncommon for market strategists to base investing techniques on some components of the DJIA. The main reason to follow the Dogs is that it presents a straightforward formula designed to perform roughly in line with the Dow.
Though not an entirely new concept, in 1991, this strategy first became a popular fixture with the publication of Michael B. O'Higgins's book, "Beating the Dow," in which he also coined the name "Dogs of the Dow."
Dogs of the Dow Methodology
Dogs of the Dow relies on the premise that blue-chip companies do not alter their dividend to reflect trading conditions and, therefore, the dividend is a measure of the average worth of the company. In contrast, the stock price does fluctuate throughout the business cycle. This should mean that companies with a high dividend relative to stock price are near the bottom of their business cycle, so their stock price likely would increase faster than companies with low dividend yields. In this scenario, an investor reinvesting in high-dividend-yielding companies annually should outperform the overall market.
Dividend stocks offer current income and growth potential, so it is no surprise many investors are attracted to them. All 30 companies that comprise the DJIA pay dividends and are among the most important blue-chip businesses in the global economy. There are many ways to purchase these securities. You can hand-pick individual stocks and build your own portfolio; invest directly in the Dow through exchange-traded funds (ETFs); or instead of investing in the entire Dow, you can follow the Dogs of the Dow strategy, whose stocks offer better yields than the Dow as a whole. Often, in fact, the Dogs have been able to outperform the Dow over the course of the year.
In 2018, the Dogs of the Dow strategy managed to beat the broader market by losing 1.5 percent versus the 6 percent loss for the DJIA.
The 2019 Dogs of the Dow are listed below.
The 2019 Dogs of the Dow
Ticker Name Dividend Yield
1 IBM International Business Machine 5.5%
2 XOM Exxon Mobil Corporation 4.8%
3 VZ Verizon Communications 4.3%
4 CVX Chevron Corporation 4.1%
5 PFE Pfizer 3.3%
6 KO Coca-Cola Company 3.3%
7 JPM JP Morgan Chase & Co. 3.3%
8 PG Proctor & Gamble Company 3.1%
9 CSCO Cisco Systems 3.0%
10 MRK Merck & Co. 2.9%
As of January 2, 2019
How Does the Dogs of the Dow Strategy Work?
The idea is to make stock picking somewhat easy and relatively safe, the latter because the universe is limited to blue-chip stocks. As a tactic, Dogs of the Dow goes like this: After the stock market closes on the last day of the year, select the 10-highest dividend-yielding stocks in the DJIA. Then, on the first trading day of the new year, invest an equal dollar amount in each of them. Hold the portfolio for a year, then repeat the process at the beginning of each subsequent year. Simple, right?
For most nonprofessionals, though, investing is never that simple, especially with the myriad strategies out there. So, it behooves the average individual investor to understand what she is doing with her money. Hence, Dogs of the Dow tools abound. Just browse the internet to see Dogs of the Dow opinions, commentary, analyses, calculators, charts, forecasts, stock screeners, even a Dogs of the Dow website.
Because this is intended to be a low-maintenance, long-term strategy that mimics the performance of the DJIA, it shouldn't be surprising that the long-term results are similar. There have been years when the Dow has outperformed the Dogs and vice-versa, but its performance over time is impressive.
Sample Performance Comparison
The Dogs of the Dow experienced greater losses during the financial crisis of 2008 than the DJIA, but in the decade that followed it modestly outperformed the bellwether index eight out of ten years.
Comparative Returns 2008-2018.
The cumulative effect of this performance year after year shows that despite losing more in 2008 than the index, the strategy made up ground and turned in a respectable performance for the decade. Investors who had begun with $10,000 and held it in the DJIA from the beginning of 2008 to the end of 2018, would find their account had grown to approximately $17,350. However an investor that followed the Dogs of the Dow strategy would find that the dividend payments made a big difference. Their ending balance of $21,420 shows the value of adjusting positions once a year.
Cumulative Performance 2007-2018.
Dow Jones Industrial Average (DJIA) Definition
The Dow Jones Industrial Average (DJIA) is an index that tracks 30 large, publicly-owned companies trading on the New York Stock Exchange (NYSE) and the NASDAQ.
What Is a Dog?
A dog is a business unit with a small market share in a mature industry. It neither generates strong cash flow nor requires a big investment.
Blue-Chip Index
A blue-chip index seeks to track the performance of financially stable, well-established companies that provide investors with consistent returns.
Mechanical Investing Definition
Mechanical investing is any one of a number of ways of buying and selling stocks according to pre-set criteria or triggers.
Blue-Chip Stock Definition
A blue-chip stock is a company that typically has a large market cap, a sterling reputation and many years of success in the business world.
What is a Blue Chip?
A blue chip is a nationally recognized, well-established, and financially sound company.
Top 4 ETFs That Track the Dow
Why The Dow Matters
Can You Earn Money in Stocks?
What are These Points that the Dow is Always Gaining or Losing?
5 Best Dividend-Paying International Equity ETFs (SDIV, LVL)
Index Trading Strategy & Education
How Does the Dow Jones Work?


August 8, 2016 – Canada's women's soccer team will be in the spotlight again on Day 4 when it faces Germany for first place in their pool. Meanwhile, Roseline Filion and Meaghan Benfeito – half of Canada's Fab Four – will be looking for a podium finish when they compete in women's 10-metre synchronized diving. Three of Canada's four beach volleyball duos will be in action as well, with Heather Bansley and Sarah Pavan looking to maintain their perfect record in pool play.
The swimming heats continue on Tuesday morning with more Canadian athletes looking to position themselves for medal contention, including Santo Condorelli in the men's 100-metre freestyle. In addition, Canada's men's volleyball team will be looking to maintain the momentum from their impressive win over the USA when they face Brazil on their home court.
First place in Group F is on the line on Tuesday as Canada brings its perfect 2-0 record into its match against undefeated Germany.
Canadians Heather Bansley and Sarah Pavan look for a second consecutive win when they play Switzerland at 11 p.m.


A weblog for Small Enterprise Consultants and the distributors who serve them. Search for sailings in your favourite cruise lines. Seek for escorted excursions to your favourite nations'"or discover a new destination. Amongst our sixteen journey consultants, we have now visited every continent, more than 100 international locations and speak seven totally different languages. We can assist you intend a trip anyplace in the world with personal insights and exclusive behind-the-scenes access that you simply will not get from the web.
This free app from TRAVEL + LEISURE lets you download issues designed exclusively for iPad. Now current subscribers to the U.S. print edition of TRAVEL + LEISURE magazine can now access the digital edition every month AT NO EXTRA COST! Simply download and launch the app, tap "Buy" on the navigation bar, then tap the "Existing Print Subscriber" button and follow the prompts for access.
Should you plan to name yourself an interior designer (as opposed to a decorator) in one of the 25 states and jurisdictions or one of many seven Canadian provinces that require licensing for interior designers, you will have to turn into certified. The only permitted certification is obtainable by the National Council for Inside Design Qualification (NCIDQ). To earn that certification, you should maintain a baccalaureate degree with no fewer than 60 inside design-related semester hours and a certain variety of experience hours. You could additionally cross an exam that consists of three elements: Ideas & Practices of Interior Design, Contract Documents & Administration, and Schematics & Design Development (each half could also be taken at different occasions if you want). Exams are administered in numerous areas around the United States and Canada in the spring and fall. As of 2005, the cost for all three sections was $695.
The only way one can make something out the money they have is by investing. Individuals who invest simply inject their money into business opportunities or market gaps available in their region of operation. Investing has always been carried out so as to enable one to make something out of what they have at any given time. The open field which one can invest in is in business activities. An individual who chooses to invest expects that he or he will make profit out of his business startup procedures.
One word of caution! Several times per month, we receive an invitation that we have been nominated for a prestigious boutique hotel award, eco awards or the " Oscar's of the Hospitality Industry" award. What an honor"¦ until you read that to enter the award selection process, it is necessary to pay between $5,000 and 10,000 per hotel and that a trip to the Award Ceremony in Dubai or London would cost another few thousand dollars"¦ We found that these awards might work in a mass market, but not with the sophisticated traveller that is visiting hotels like the ones that are part of the Cayuga Collection. We like the concept of Conde' Nast of Truth in Travel. We know there has been changes at the magazine and we hope this is not one of them. They don't accept for their journalists to be hosted for free by the hotels. That makes a big difference.


Why not turn the section of the track into a nostalgic railway park like those in Britain?
Have vintage trains running back-and-forth at the short 2-3km section, made available for visitors to take a short memorable ride.
Removing the tracks was wrong headed in the first place. The best use of them would have been as a joint KTM/LTA project for a KTM Komuter like EMU service running Tj. Pagar – Buona Vista – Bukit Timah – Kranji – Woodlands – Johor Bahru Kempas – Kulai. It would have reduced a lot of causeway congestion and got a lot of M'sian motorcycles off of Singaporean roads, making everyone safer.


Ind AS will bring about a major change in the financial statements of banks and financial companies. Non-performing assets are currently provisioned based on RBI rules and are driven by number of days that the assets are overdue. This is a rule based system. Ind AS envisages a look-ahead system where expected losses are determined through statistical analysis and deep management judgement on both quantum of future cash flows as well as timing. The expected credit loss (ECL) model will have substantial impact on the profit as well as the quality of the Balance Sheet. The process will be quite challenging in terms of human efforts as well as IT involvement.
Another major development is development of Effective Interest Rate (EIR) mechanisms for each loan disbursed or availed. Under Indian GAAP, upfront fees and costs are either recognized in profit and loss on the day of accrual or straight lined over the tenor. Practices vary from company to company. Ind AS demands that such fees and costs be rolled into the regular interest rate to determine an EIR for each loan. This process is challenging and time consuming and requires a deep understanding of each costs, income and the loan itself. Floating interest rates pose fresh challenges in the determination of the EIR.
Derivatives, marking to market various positions, hedging, hedge accounting are special challenges in the financial sector.
These and other topics relevant to the financial sector are sought to be covered in the programme in a practical meaningful manner that will help you to implement Ind AS in your organization.


text:
// Copyright 2014 The Chromium Authors. All rights reserved.
// Use of this source code is governed by a BSD-style license that can be
// found in the LICENSE file.

'use strict';

/**
 * Tests opening the "Recent" on the sidebar navigation by clicking the icon,
 * and verifies the directory contents. We test if there are only files, since
 * directories are not allowed in "Recent". This test is only available for
 * Drive.
 */
testcase.openSidebarRecent = function() {
  var appId;
  StepsRunner.run([
    function() {
      setupAndWaitUntilReady(null, RootPath.DRIVE, this.next);
    },
    // Click the icon of the Recent volume.
    function(inAppId) {
      appId = inAppId;
      callRemoteTestUtil(
        'selectVolume', appId, ['drive_recent'], this.next);
    },
    // Wait until the file list is updated.
    function(result) {
      chrome.test.assertFalse(!result);
      waitForFileListChange(appId, BASIC_DRIVE_ENTRY_SET.length).
          then(this.next);
    },
    // Verify the file list.
    function(actualFilesAfter) {
      chrome.test.assertEq(
          TestEntryInfo.getExpectedRows(RECENT_ENTRY_SET).sort(),
          actualFilesAfter);
      checkIfNoErrorsOccured(this.next);
    }
  ]);
};

/**
 * Tests opening the "Offline" on the sidebar navigation by clicking the icon,
 * and checks contenets of the file list. Only the entries "available offline"
 * should be shown. "Available offline" entires are hosted documents and the
 * entries cached by DriveCache.
 */
testcase.openSidebarOffline = function() {
  var appId;
  StepsRunner.run([
    function() {
      setupAndWaitUntilReady(null, RootPath.DRIVE, this.next);
    },
    // Click the icon of the Offline volume.
    function(inAppId) {
      appId = inAppId;
      callRemoteTestUtil(
        'selectVolume', appId, ['drive_offline'], this.next);
    },
    // Wait until the file list is updated.
    function(result) {
      chrome.test.assertFalse(!result);
      waitForFileListChange(appId, BASIC_DRIVE_ENTRY_SET.length).
          then(this.next);
    },
    // Verify the file list.
    function(actualFilesAfter) {
      chrome.test.assertEq(
          TestEntryInfo.getExpectedRows(OFFLINE_ENTRY_SET).sort(),
          actualFilesAfter);
      checkIfNoErrorsOccured(this.next);
    }
  ]);
};

/**
 * Tests opening the "Shared with me" on the sidebar navigation by clicking the
 * icon, and checks contents of the file list. Only the entries labeled with
 * "shared-with-me" should be shown.
 */
testcase.openSidebarSharedWithMe = function() {
  var appId;
  StepsRunner.run([
    function() {
      setupAndWaitUntilReady(null, RootPath.DRIVE, this.next);
    },
    // Click the icon of the Shared With Me volume.
    function(inAppId) {
      appId = inAppId;
      // Use the icon for a click target.
      callRemoteTestUtil('selectVolume',
                         appId,
                         ['drive_shared_with_me'], this.next);
    },
    // Wait until the file list is updated.
    function(result) {
      chrome.test.assertFalse(!result);
      waitForFileListChange(appId, BASIC_DRIVE_ENTRY_SET.length).
          then(this.next);
    },
    // Verify the file list.
    function(actualFilesAfter) {
      chrome.test.assertEq(
          TestEntryInfo.getExpectedRows(SHARED_WITH_ME_ENTRY_SET).sort(),
          actualFilesAfter);
      checkIfNoErrorsOccured(this.next);
    }
  ]);
};

/**
 * Tests autocomplete with a query 'hello'. This test is only available for
 * Drive.
 */
testcase.autocomplete = function() {
  var EXPECTED_AUTOCOMPLETE_LIST = [
    '\'hello\' - search Drive',
    'hello.txt',
  ];
  var appId;

  StepsRunner.run([
    function() {
      setupAndWaitUntilReady(null, RootPath.DRIVE, this.next);
    },
    // Focus the search box.
    function(inAppId, list) {
      appId = inAppId;
      callRemoteTestUtil('fakeEvent',
                         appId,
                         ['#search-box input', 'focus'],
                         this.next);
    },
    // Input a text.
    function(result) {
      chrome.test.assertTrue(result);
      callRemoteTestUtil('inputText',
                         appId,
                         ['#search-box input', 'hello'],
                         this.next);
    },
    // Notify the element of the input.
    function() {
      callRemoteTestUtil('fakeEvent',
                         appId,
                         ['#search-box input', 'input'],
                         this.next);
    },
    // Wait for the auto complete list getting the expected contents.
    function(result) {
      chrome.test.assertTrue(result);
      repeatUntil(function() {
        return callRemoteTestUtil('queryAllElements',
                                  appId,
                                  ['#autocomplete-list li']).
            then(function(elements) {
              var list = elements.map(
                  function(element) { return element.text; });
              return chrome.test.checkDeepEq(EXPECTED_AUTOCOMPLETE_LIST, list) ?
                  undefined :
                  pending('Current auto complete list: %j.', list);
            });
      }).
      then(this.next);
    },
    function() {
      checkIfNoErrorsOccured(this.next);
    }
  ]);
};