Consisting of 4 buildings, a total of 294 apartments and 21 commercial facilities, phase IV is located directly on the waterfront, near Foka Bay, therefore the benefits of the yacht marina and the barge beach are within arm's reach for the residents.
A carefully designed closed rest garden, which enables passage through the houses, has been established between the buildings. In phase IV the sizes of the apartments move within a wide range, from one-bedroom apartments all the way to the two-storey penthouse apartments built on the top level, offering a roof terrace and a unique view.


Modeling a Cartoon Canine in Maya.
On this Course we will definitely discover out ho to Mannequin a Cartoon Canine Character making use of ordinary polygon modeling methods. the persona is designed from a referral picture using polygon gadgets. I design the higher physique from a field in addition to hint the vertex to match the type of physique. Legs have been designed with very same technique of matching in addition to mapping vertex to leg kind. Legs will definitely be joined with higher physique using boolean in addition to guidebook strategies. Head is designed using squeezing out the edges alongside neck and likewise head.
I'm an Skilled PhD Instructor with much more after that 15 years of coaching expertise in Maya, Pc Graphics, Multimedia in addition to Animation. Presently functioning as Affiliate Professor in College of Sindh, Jamshoro. Pakistan. I've truly been related to mentor Maya and likewise 3D Modeling Animation Programs from beginner to Advance diploma with numerous examine primarily based jobs.


Kudos to Anthony Ervin for his gold!
I'm not entirely sure there's gold leaf in the image Dr Steiner uses to represent medieval manuscripts, though it certainly works for the genre as a whole, and I think I detect some gold leaf in the hearts of the flowers depicted..
It would be foolish for me to claim to follow JL Usó-Doménech et al's Paraconsistent Multivalued Logic and Coincidentia Oppositorum: Evaluation with Complex Numbers, but the general notions of Cardinal Nicholas of Cusa (Cusanus), "That in God opposites coincide" and "That God is beyond the coincidence of opposites" rae pretty basic (with appropriate variations) to Carl Jung's psychology — and to my own thinking.
Here, in Dr Steiner's tweet, we have something that comes delightfully, playfully close to a coincidence of opposites. Indeed it is that possibility of evoking and annotating opposites in a manner than allows us to transcend them — as we could be said to transcend the two streams of vision in binocular vision, the two streams of hearing in stereophonic audition — that lies at the heart of my focus on DoubleQuoting.
When we attempted to see Him beyond being and not-being, we were unable to understand how He could be visible. For He is beyond everything plural, beyond every limit and all unlimitedness; He is completely everywhere and not at all anywhere; He is of every form and of no form, alike; He is completely ineffable; in all things He is all things, in nothing He is nothing, and in Him all things and nothing are Himself; He is wholly and indivisibly present in any given thing (no matter how small) and, at the same time, is present in no thing at all.
Bernard: I am uncertain whether in similar fashion we can fittingly say that God is sun or sky or man or any other such thing.
Card. Nicholas of Cusa: We must not insist upon the words. For example, suppose we say that God is sun. If, as is correct, we construe this [statement] as [a statement] about a sun which is actually all it is able to be, then we see clearly that this sun is not at all like the sensible sun. For while the sensible sun is in the East, it is not in any other part of the sky where it is able to be. [Moreover, none of the following statements are true of the sensible sun:] "It is maximal and minimal, alike, so that it is not able to be either greater or lesser"; "It is everywhere and anywhere, so that it is not able to be elsewhere than it is"; "It is all things, so that it is not able to be anything other than it is"— and so on. With all the other created things the case is simnilar. Hence is does not matter what name you give to God, provided that in the foregoing manner you mentally remove the limits with respect to its possible being.
We're close here, to the zen notion of the finger pointing at the moon — except that here is is the moon pointing at what cannot even be located in either physical spacetime or conceptual space..
and that's the touch of gold in the heart of all flowers..
My interest is in John's pyramid, considered as a pyramid of arches.
I'm not suggesting, John, that your inquiry and mine are identical — far from it — but that they have a sufficiently rich overlap that an appreciation of one is likely to spark insight in terms of the other.
And with Hesse's Game, with which I recall from our earlieest conversations you are familiar..
All the insights, noble thoughts, and works of art that the human race has produced in its creative eras, all that subsequent periods of scholarly study have reduced to concepts and converted into intellectual values the Glass Bead Game player plays like the organist on an organ. And this organ has attained an almost unimaginable perfection; its manuals and pedals range over the entire intellectual cosmos; its stops are almost beyond number. Theoretically this instrument is capable of reproducing in the Game the entire intellectual content of the universe.
Beginners learned how to establish parallels, by means of the Game's symbols, between a piece of classical music and the formula for some law of nature.
I see wise men and poets and scholars and artists harmoniously building the hundred-gated cathedral of the mind.
That it is possible to invent a unifying concept of structure within which all the various concepts of structure now current in different fields of art and science, can be seen from a single point of view. This conjecture is not new. In one form or another people have been wondering about it, as long as they have been wondering about structure itself; but in our world, confused and fragmented by specialisation, the conjecture takes on special significance. If our grasp of the world is to remain coherent, we need a bead game; and it is therefore vital for us to ask ourselves whether or not a bead game can be invented.
I don't think there's much doubt that the film-maker Mark Malone, was influenced by Mantegna's mise-en-scène.
What interests me here, however, is not the diference between the two narratives, one secular, one sacred, nor the question of influence, but the opportunity this juxtaposition provides for me to stress that resemblance, or more generally, pattern (as in "pattern recognition"), is an aesthetic skill, with the corollary that the richest and most illuminating congruences between items of cognition across disciplines or media are those in which the parallelisms or oppositions are most exact.
It is the exactness of the formal correspondance between two thoughts, images, or events that permits their divergences to become salient to us, and in our search for insight, it will be precisely those correspondences which most richly illustrate this principle that will offer us the greatest possibility of fresh insight — which can then be explored with all the rigors our critical faculties can contrive.


Hi peoples!!! How are you? Good. Cause I wanted to know.
So if you have never listened to one of Ed Sheeran's songs then shame on you, your family, your family's goat, and your goat's family. Cause you be missing out on everything beautiful, wonderful, and sad.
He has a wide variety of sad, dancing, happy, and lovey dovey songs.
Ok, I'm done with my sassiness...For now.
His dancing songs. Now most of the dancing songs has rapping in it and I'm normally not the one for rapping but when he does it it's amazing but everything he does is amazing. I may think I dance like this when I listen to the dancing songs.
But in reality I'm dancing like this.
His happy songs. He doesn't have many happy songs but when he does have them they are awesome.
His lovey dovey songs. I was soooo excited to get to these because I LOVE them they are soooo sweet and soooo pretty. Especially Thinking Out Loud, Oh my gosh that song it's so beautiful. I'm seriously so in love with it.
You know I just realized that you don't realize how much love something until you write it down... Yeah that just happened to me.
Oh and here is a picture of the ginger himself.


text:
Gilman v. State Bd. of Vet. Med. Exam'rs
Vavla v. State
Standard of reviewWe review an agency's decision for an abuse of discretion, and we will affirm the decision…
N.M. v. Riegger
Riegger agreed that he was responsible for the deposition costs for another expert in the amount of $253.95.…
Full title:BRADLEY GILMAN, DVM, APPELLANT, v. NEVADA STATE BOARD OF VETERINARY…
Court:Supreme Court of Nevada
Date published: May 19, 2004
89 P.3d 1000 (Nev. 2004)
89 P.3d 1000
holding that this court should review the agency decision to determine whether substantial evidence exists to have convinced the agency that violations had been shown in accord with the standard of proof set out in the statute being enforced
Summary of this case from Nassiri v. Chiropractic Physicians' Bd. of Nev.
May 19, 2004.
Appeal from an order denying a petition for judicial review of the Nevada State Board of Veterinary Medical Examiners' disciplinary action against Bradley Gilman, DVM. Eighth Judicial District Court, Clark County; Mark W. Gibbons, Judge.
Law Office of Daniel Marks and Adam Levine and Daniel Marks, Las Vegas, for Appellant.
Brian Sandoval, Attorney General, Tina M. Leiss, Senior Deputy Attorney General, and Frederick R. Olmstead, Deputy Attorney General, Carson City, for Respondent.
Before AGOSTI, ROSE and MAUPIN, JJ.
Affirmed in part, reversed in part and remanded with instructions.
By the Court, AGOSTI, J.:
On October 22, 1998, Mr. and Mrs. Slensky took their young beagle, "Gardener," to the Green Valley Animal Hospital for routine vaccinations and for examination because the dog had experienced loose stools for four days. Appellant Bradley Gilman, DVM, asked Mrs. Slensky for permission to x-ray Gardener for an intestinal blockage before vaccinating him. Dr. Gilman did not initially perform a physical examination of the dog because it was snappish and he hoped it would calm down when separated from its owner. Dr. Gilman instructed Greg Krasch, an unlicensed veterinary technician, to take x-rays of Gardener.
Krasch attempted to x-ray Gardener, but the dog struggled extensively. At one point, it hit its head against the table. It also defecated on the table. While Krasch was cleaning up the mess, he tied Gardener to a cage in the room with a slip leash. Gardener struggled against the leash for several minutes, then settled down. Because the dog was so intractable, Dr. Gilman instructed Krasch to wait until he obtained permission from the owners to sedate Gardener. However, after Gardener settled down, Krasch obtained the x-rays without waiting for Gardener to be sedated.
At approximately 5:00 p.m., Mrs. Slensky and her daughter arrived to take Gardener home. When Gardener was brought to them, he took a few steps toward them, then collapsed at their feet and was nonresponsive. Dr. Gilman checked the dog for symptoms of shock. Dr. Gilman initially told the Slenskys to take Gardener home and monitor him, but subsequently told them to take Gardener to the Emergency Animal Center to be monitored by a veterinarian overnight. Dr. Gilman was emphatic that they take the dog to the Emergency Animal Center immediately, but did not provide any information as to why Gardener was in such a condition. The veterinarian on call at the emergency clinic treated Gardener for shock. Despite her efforts, Gardener died that evening.
The next day, Gardener's blood results showed he had highly elevated liver enzymes known as ALT and AST, which could indicate liver disease. However, the Slenskys declined to have a necropsy done to determine the exact cause of death.
The Slenskys filed a complaint with the Nevada State Board of Veterinary Medical Examiners (the Board), against Dr. Gilman. After an investigation by Gary Ailes, DVM, the Board filed an "Accusation" against Dr. Gilman on August 31, 1999.
On December 13, 1999, the Board held an evidentiary hearing. Both the deputy attorney general and Dr. Gilman presented testimony from expert witnesses who reached opposite conclusions regarding the appropriateness of Dr. Gilman's actions. The Board voted to convict Dr. Gilman of incompetence and gross negligence under NRS 638.140(5), an ethics violation under NAC 638.046 and incompetence under NRS 638.140(5) for the use of an unlicensed veterinary technician. Dr. Gilman's license was suspended for sixty days, and Dr. Gilman was placed on probation for three years. The Board also ordered Dr. Gilman to pay costs and attorney fees in the amount of $18,093. The costs were based on an affidavit submitted by the Board's executive director.
Dr. Gilman timely filed a petition for judicial review, which the district court denied. Dr. Gilman then appealed to this court. We issued an order of limited remand directing the district court to remand the matter to the Board for a determination of whether Dr. Gilman's misconduct was shown by clear and convincing evidence. The Board, at a public meeting, determined that clear and convincing evidence showed that Dr. Gilman had engaged in the alleged misconduct. The determination was transmitted to this court. Subsequently, Dr. Gilman moved to supplement the record with the transcript of the proceeding and points and authorities as to why the proceeding violated his due process rights. The Board opposed the motion. We granted it and allowed Dr. Gilman to supplement the record.
"On review, neither this court nor the district court may substitute its judgment or evaluation of the record developed at the agency level for that of the Board. . . ." Rather, the court must "`review the evidence presented to the agency in order to determine whether the agency's decision was arbitrary or capricious and was thus an abuse of the agency's discretion.'" The decision of the agency will be affirmed if substantial evidence exists to support it. Substantial evidence is "that which a reasonable mind might accept as adequate to support a conclusion." Questions of law, however, are reviewed de novo.
State, Emp. Sec. Dep't v. Harich Tahoe, 108 Nev. 175, 177, 825 P.2d 1234, 1236 (1992).
Secretary of State v. Tretiak, 117 Nev. 299, 305, 22 P.3d 1134, 1138 (2001) (quoting Clements v. Airport Authority, 111 Nev. 717, 721, 896 P.2d 458, 460 (1995)); see also NRS 233B.135.
Harich Tahoe, 108 Nev. at 177, 825 P.2d at 1236.
McClanahan v. Raley's, Inc., 117 Nev. 921, 924, 34 P.3d 573, 576 (2001) (internal quotation marks and citations omitted).
Collett Electric v. Dubovik, 112 Nev. 193, 196, 911 P.2d 1192, 1195 (1996).
Dr. Gilman argues that the Board members who served as triers of fact in his disciplinary hearing were also responsible for the Board's finances and, therefore, could not serve as impartial decision makers because their pecuniary interest created an appearance of bias and tempted them to decide the case in favor of their interest. Dr. Gilman also contends that under NRS 638.1473(2)-(3), any fines recovered from licensees must be deposited in the state general fund to avoid the appearance of bias unless the Board has appointed an independent hearing officer or panel for a disciplinary matter. Dr. Gilman contends that because the Board (1) did not appoint an independent hearing officer, (2) imposed $18,093 in penalties against him to recover its expenses in conducting the hearing, and (3) deposited the monies in the Board's operating fund rather than the state general fund, there was sufficient evidence to create the appearance of bias.
See Ward v. Village of Monroeville, 409 U.S. 57, 59-62 (1972) (holding that appellant's due process rights were violated where the mayor who adjudicated his case had executive responsibility for the village finances, and fines from his court contributed substantially to the village fisc); Dugan v. Ohio, 277 U.S. 61, 65 (1928) (holding that where the mayor's salary was fixed and he had a remote executive relation as one of five city commissioners to the fund to which fines in his court contributed, his pecuniary interest in the outcome of cases before his court was too minute to cause an appearance of bias); Tumey v. Ohio, 273 U.S. 510, 532-33 (1927) (holding that appellant's due process rights had been violated where the mayor who convicted him received a portion of the fines imposed and had executive responsibility for the village finances, aided in large part by the mayor's court); In re Ross, 99 Nev. 1, 8, 12-15, 656 P.2d 832, 836, 839-40 (1983) (holding that petitioners' due process right to an impartial tribunal had been violated where the disciplinary action was adjudicated by the state bar board of governors, which had executive responsibility for the bar association's finances, and the costs and fines assessed against petitioners would entirely defray the state bar's deficit); Burleigh v. State Bar of Nevada, 98 Nev. 140, 144, 643 P.2d 1201, 1203 (1982) (holding that where the panel adjudicating the disciplinary action against appellant received no compensation for their services and were not responsible for the financial integrity of the state bar, appellant's due process right to an impartial tribunal was not violated).
A veterinarian's license to practice is a property interest protected by the Due Process Clause of the Fourteenth Amendment of the United States Constitution as well as by Article 1, Section 8 of the Nevada Constitution. The United States Supreme Court has set forth standards for evaluating a tribunal's fairness under the Due Process Clause. "[A] `fair trial in a fair tribunal is a basic requirement of due process.' This applies to administrative agencies which adjudicate as well as to courts." Not only must the tribunal harbor no actual bias against the person facing a deprivation of his property interests, but "`justice must satisfy the appearance of justice.'" The test is:
U.S. Const. amend. XIV, § 1; see also Minton v. Board of Medical Examiners, 110 Nev. 1060, 1082, 881 P.2d 1339, 1354 (1994) (stating that "[g]enerally, the right to practice medicine is a property right protected by the due process clauses of the United States and Nevada Constitutions").
Withrow v. Larkin, 421 U.S. 35, 46 (1975) (quoting In re Murchison, 349 U.S. 133, 136 (1955)).
Marshall v. Jerrico, Inc., 446 U.S. 238, 243 (1980) (quoting Offutt v. United States, 348 U.S. 11, 14 (1954)).
whether the [adjudicator's] situation is one "which would offer a possible temptation to the average man as a judge to forget the burden of proof required to convict the defendant, or which might lead him not to hold the balance nice, clear and true between the State and the accused."
Ward, 409 U.S. at 60 (quoting Tumey, 273 U.S. at 532).
A presumption of honesty and integrity cloaks those who serve as adjudicators. That presumption may be overcome, however, by showing that the adjudicators have a conflict of interest, such as a financial stake in the outcome of the case. Here, the executive director and the president of the Board had knowledge of the Board's day-to-day finances, and the other Board members reviewed the quarterly finances, yearly audits and budget requests at Board meetings. Therefore, they did have some fiscal responsibility for the agency.
Withrow, 421 U.S. at 47.
Schweiker v. McClure, 456 U.S. 188, 195 (1982).
However, no bias may be inferred if the pecuniary interest is too remote to create a possible temptation to convict. The Board had a $350,000 reserve fund, in addition to its annual budget, which it could access with approval from the Board of Examiners. The costs expended by the Board in Dr. Gilman's case were only approximately five percent of its reserve fund, and less than four percent of the combined annual budget and reserve fund.
Marshall, 446 U.S. at 250-52 (holding that sums collected under a reimbursement provision to defray the agency's enforcement costs presented too remote a potential for a conflict of interest).
Dr. Gilman's reliance on a 1983 decision by this court, In re Ross, is misplaced. In Ross, we held that where dues were paid directly to the State Bar treasury and the Board of Governors was responsible for the bar association's financial integrity, the board violated the petitioner's due process rights by sitting as the trier of fact in his hearing because doing so "present[ed] a constitutionally unacceptable potential for bias." Ross differs from Dr. Gilman's situation in one very important aspect. In Ross, the Board of Governors completely absolved the attorneys facing disciplinary charges of all allegations against them. However, the Board found that the attorneys had been untruthful during the investigation. The Board then recommended discipline and imposed costs on that basis. The imposition of costs in that case entirely defrayed the State Bar's yearly budget deficit. Given those facts, we could not say that the Board of Governors was not potentially biased or would not have been tempted to find that the attorneys had engaged in misconduct in order to recover its investigation costs and to cover the State Bar's budgetary deficit. Here, in contrast, the Board had a budgetary surplus of $350,000, in addition to its annual budget. The Board in this case found that all of the allegations against Dr. Gilman were true. There was ample evidence in the record to support the Board's factual findings. Furthermore, while the costs of investigating the allegations against Dr. Gilman were not insignificant, the Board was operating with a substantial budgetary surplus. Given that the Board had access to $350,000 if necessary, it does not appear to us that the Board would have been tempted to find that Dr. Gilman had engaged in misconduct merely to recuperate the costs of investigation and hearing.
99 Nev. 1, 656 P.2d 832 (1983).
Id. at 13, 656 P.2d at 839.
Moreover, if we were to forbid the costs of an investigation and hearing simply because a board has minimal budgetary oversight, the agency would not be able to effectively function as a self-policing entity. To cover the costs of investigating cases of alleged professional misconduct, it would either have to increase its membership fees, which could result in pricing people out of the profession, or it would have to appoint an independent hearing officer, which would effectively force every agency to implement an intermediate appeals process. Furthermore, a party upon whom costs are imposed may seek judicial review to determine whether the costs imposed were excessive.
NRS 638.1473(1) mandates that all reasonable expenses incurred by the Board in carrying out its responsibilities under NRS Chapter 638 be paid from monies received from licensees.
NRS 638.1473(3).
Finally, "costs" are not "fines." The latter must be turned over to the state general fund in order to avoid the appearance of bias, unless an independent hearing officer is appointed to determine the case. However, the former are merely a recuperation of the expenses necessarily incurred in investigating alleged professional misconduct, a function in which the public has a strong interest, as it is one of the few means by which the public is protected from incompetence. As stated previously, the Board's ability to effectively perform its duty as a self-policing agency would be severely hampered if it were not able to recover the costs of an investigation and hearing.
NRS 638.1473.
However, the Board erred by imposing attorney fees on Dr. Gilman. While we will not disturb an award of attorney fees absent an abuse of discretion, it is an abuse of discretion to award attorney fees in the absence of a statutory basis to do so. To determine whether the Board was authorized to assess attorney fees against Dr. Gilman, we must inquire whether the statute allowing the Board to recover costs also allows for the recovery of attorney fees. Construction of a statute is a question of law; therefore, this court conducts de novo review.
Frantz v. Johnson, 116 Nev. 455, 471, 999 P.2d 351, 361 (2000).
A.F. Constr. Co. v. Virgin River Casino, 118 Nev. 699, 703, 56 P.3d 887, 890 (2002).
"It is a well-recognized tenet of statutory construction that multiple legislative provisions be construed as a whole, and where possible, a statute should be read to give plain meaning to all its parts." Other words or phrases used in the statute or separate subsections of the statute can be reviewed to determine the meaning and purpose of the statute.
Diamond v. Swick, 117 Nev. 671, 676, 28 P.3d 1087, 1090 (2001) (quoting Gaines v. State, 116 Nev. 359, 365, 998 P.2d 166, 169-70 (2000)).
NRS 638.147(10) (repealed 2003) does not provide for the recovery of attorney fees in disciplinary hearings. However, in other parts of NRS Chapter 638, the Legislature has specifically allowed the Board to recover both attorney fees and costs. The Legislature clearly differentiated between costs and attorney fees on two other occasions within the same chapter; the fact that the Legislature failed to include attorney fees in NRS 638.147(10) (repealed 2003) indicates that the Legislature did not intend for the Board to recover attorney fees at the administrative level. Consequently, the Board lacked authority to impose these fees on Dr. Gilman.
See NRS 638.100(6) (repealed 2003); NRS 638.154 (repealed 2003).
Dr. Gilman next asserts that the Board's assessment of "Board Costs" against him was an abuse of discretion. The Board charged him $1,737 for travel, hotel and meals for nine people for two days and per diem and travel expenses for Dr. Bernard Cannon. Additionally, the Board charged him for meals for nine people, including the prosecuting attorney, when there were only five Board members. Dr. Gilman argues that the charges were improper because meals are not an appropriate cost connected to judicial proceedings and because the Board's meals should have been paid out of its per diem allowance.
The Board members are practicing veterinarians who must leave their normal routines to conduct the Board's business, which includes holding disciplinary hearings. They are entitled to a salary and per diem as set forth in NRS 638.040, NRS 281.160 and the regulations adopted by the State Board of Examiners. NRS 638.040(2) also entitles employees of the Board to a per diem allowance and travel expenses. The record reflects that the Board imposed its actual costs, rather than the salary and per diem, for most of its members and employees. Because these actual costs do not exceed the amount that could have been assessed for salaries and per diem allowances, the Board did not abuse its discretion by imposing these costs on Dr. Gilman. However, it was improper for the Board to assess against Dr. Gilman the costs of feeding the prosecuting attorney, as the prosecuting attorney, employed by the Attorney General's Office, is neither a Board member nor an employee. Therefore, the district court's affirmance of "Board Costs" must be reversed as to meals for persons who were not Board members or employees.
Dr. Gilman next argues that the award of $7,145 in expert witness fees was improper under NRS 18.005(5), because it exceeded the limit of $1,500 and was not supported by a determination that the necessity of the expert's testimony justified the fee. While NRS 638.147(10) (repealed 2003) allows the Board to recover its costs in taking disciplinary action against a licensee, there are no other statutes that assist in the interpretation of what costs the Board is authorized to recover. On the other hand, NRS 18.005, which applies to civil practice in district courts, illustrates several types of costs that a prevailing party may recover and sets forth limits upon the recovery of those costs. NRS 18.005(5) limits the recovery of costs for expert witnesses to $1,500 unless the district court determines that the circumstances warrant a larger fee. NRS 18.005 provides guidance for the recovery of costs, regardless of whether the parties are in district court or before an administrative board. Here, an examination of the hearing transcript shows that the Board's expert witness's testimony constituted most of the evidence against Dr. Gilman. Thus, the Board did not abuse its discretion in allowing these expert witness fees in excess of the cap set forth in NRS 18.005(5).
Dr. Gilman next asserts that the investigation and hearing attendance fees, submitted by Dr. Mike Chumrau, were improper because Dr. Ailes was the investigator on his case and because there are no explanations for the services performed by Dr. Chumrau. With regard to investigation costs at the trial court level, this court has held that, even though a prevailing party submits itemized statements in support of investigation costs, the party must also demonstrate "how such fees were necessary to and incurred in the present action." Without such information, a grant of investigation costs constitutes an abuse of discretion by the trial court. The same standard applies in an administrative hearing. While the Board is not a prevailing party in the same sense as a prevailing party in a civil suit, the same principle that caused the Legislature to allow a prevailing party in a civil suit to recover costs applies to the Board in administrative proceedings. A cost recovery statute allows a prevailing party in a civil suit to recover expenses necessarily incurred in the assertion or defense of his rights in court; here, the cost recovery statute operates to reimburse the Board for expenses necessarily incurred in protecting the public from incompetent, negligent or unprofessional veterinarians. Expenses necessarily incurred in disciplining a veterinarian must, by their very nature, be reasonable; and the Board must show that its costs were both reasonable and actual. Because the reasonableness of the investigative costs incurred could not be determined without an explanation of how such costs were necessary to the action, the Board abused its discretion by assessing costs against Dr. Gilman based only on billing statements of Dr. Chumrau, without any explanation of the services provided by him, especially since Dr. Ailes was the investigator on the case. Therefore, the district court erred by denying judicial review on this basis.
Bobby Berosini, Ltd. v. PETA, 114 Nev. 1348, 1352-53, 971 P.2d 383, 386 (1998).
Id. at 1353, 971 P.2d at 386.
Reese v. Mandel, 167 A.2d 111, 116 (Md. 1961).
While NRS 638.147(10) (repealed 2003) allows for the recovery of all costs incurred by the Board in taking disciplinary action against a licensee, such costs must be reasonable; otherwise the Board could impose grossly inflated costs upon a disciplined licensee. See ACLU v. Blaine School Dist. No. 503, 975 P.2d 536, 542 (Wash. Ct. App. 1999) (in interpreting Washington's public records act provision allowing the recovery of "all costs," stating that "the plain meaning of the word `all' logically leads to the conclusion that the drafters of the act intended that the prevailing party could recover all of the reasonable expenses it incurred in gaining access to the requested records").
Gibellini v. Klindt, 110 Nev. 1201, 1206, 885 P.2d 540, 543 (1994) (holding that reasonable costs must be "actual costs that are also reasonable, rather than a reasonable estimate or calculation of such costs based upon administrative convenience").
We have reviewed the other costs contested by Dr. Gilman and conclude that Dr. Gilman's arguments regarding the excessiveness of those costs are without merit.
Turning from the costs imposed to the standard of review, Dr. Gilman next alleges that the district court erred by applying the substantial evidence standard under NRS 233B.135 to find Dr. Gilman guilty of the charges based on substantial evidence in the record. He asserts that NRS 638.145 requires a conviction to be based upon "satisfactory proof," and that this court in In re Drakulich defined clear and convincing evidence as satisfactory proof. Therefore, Dr. Gilman contends that the Board had the burden to show by clear and convincing evidence that he was guilty of the charges and that the district court erred by not employing that standard of review. He argues that the Board failed to show by satisfactory proof that he was grossly negligent or incompetent. We agreed, and issued an order of limited remand directing the district court to remand the matter to the Board to determine whether Dr. Gilman's alleged misconduct was proven by clear and convincing evidence. The Board determined that it was.
NRS 638.145 (2001) (amended 2003) states: "The board shall not refuse to issue a license to an applicant or take any disciplinary action except upon satisfactory proof that the applicant or licensee has engaged in one or more of the practices prohibited by the provisions of this chapter."
111 Nev. 1556, 908 P.2d 709 (1995).
When a higher standard of proof is set forth in a statute involving license revocation proceedings, that statute supersedes the substantial evidence standard of review set forth at NRS 233B.135(3)(e). And, when the alleged violations must be supported by clear and convincing evidence, we review the record and decision "with a degree of deference, seeking only to determine whether the evidence adduced at the hearing was sufficient to have convinced the deciding body that violations had been shown by clear and convincing evidence." The record reveals that the evidence was sufficient to support the Board's determination. Therefore, we affirm the district court's order denying the petition for judicial review in this regard. In so doing, we recognize that the Legislature has since amended NRS 638.145 so that the new standard for the imposition of disciplinary action is a preponderance of the evidence. However, we do not apply this amendment retroactively to Dr. Gilman's case because the Legislature did not clearly show that it intended the statute to apply retroactively, even though it was aware of Dr. Gilman's situation when it amended the statute.
NRS 233B.135(3)(e) provides:
The court shall not substitute its judgment for that of the agency as to the weight of evidence on a question of fact. The court may remand or affirm the final decision or set it aside in whole or in part if substantial rights of the petitioner have been prejudiced because the final decision of the agency is:
(e) Clearly erroneous in view of the reliable, probative and substantial evidence on the whole record. . . .
See also Minton v. Board of Medical Examiners, 110 Nev. 1060, 1078, 881 P.2d 1339, 1352 (1994) (holding that where a more specific statute sets forth a particular standard of review for assessing factual findings, that standard supersedes the substantial evidence standard provided in the administrative procedure act, and the board's factual findings must be supported by the particular standard).
Minton, 110 Nev. at 1079, 881 P.2d at 1352.
See Castillo v. State, 110 Nev. 535, 540, 874 P.2d 1252, 1256 (1994), disapproved on other grounds by Wood v. State, 111 Nev. 428, 430, 892 P.2d 944, 946 (1995).
Dr. Gilman next contends that the Board's determination that he had acted incompetently by employing unlicensed veterinary technicians violated the prohibition against ex post facto laws because the statute did not proscribe the use of unlicensed veterinary technicians at the time of the alleged violation. We disagree.
U.S. Const. art. I, § 9, cl. 3; Nev. Const. art. 1, § 15.
The accusation filed against Dr. Gilman charged him with violating NRS 638.124(2), 638.140(1) and (5), NAC 638.053(4)(h) and (i) and NAC 638.057(2) (1997) for allowing an unlicensed veterinary technician to position an animal for x-rays and to operate an x-ray machine. NAC 638.053(4)(h) and (i) allows a veterinary technician to position animals for x-rays and to operate an x-ray machine. NRS 638.013 (amended 2003) defined a "veterinary technician" as "a person who is formally trained for the specific purpose of assisting a licensed veterinarian in the performance of professional or technical services in the field of veterinary medicine." The statute did not state that veterinary technicians must be licensed. In contrast, NRS 638.005, the statute that defines "euthanasia technician," specifies that such a technician is licensed by the Board. Nonetheless, NRS 638.103, NRS 638.122 and NRS 638.123 delineated the requirements and procedure for securing a license as a veterinary technician, and NRS 638.170(3) criminalized practicing as a veterinary technician without a license. Therefore, we conclude that, even though the applicable definition of "veterinary technician" omitted the word "license," the statutory scheme as a whole clearly contemplated that veterinary technicians would be licensed.
Furthermore, NRS 638.1406(2) provided: "The following acts, among others, are grounds for disciplinary action: . . . 2. Having professional association with or employing any person claiming to be a veterinarian or veterinary technician unlawfully." Although the Board, during closed-session deliberations, admitted that it was common practice to employ unlicensed veterinary technicians, the Legislature had made it a ground for disciplinary action. Hence, we conclude that the Board's determination that Dr. Gilman had acted incompetently by employing unlicensed veterinary technicians did not violate the prohibition against ex post facto laws and that there was sufficient evidence to support the Board's determination that clear and convincing evidence showed that Dr. Gilman had violated this proscription.
Finally, Dr. Gilman contends that, at the proceeding at which the Board determined that clear and convincing evidence showed he had engaged in misconduct, the Board violated his due process rights by refusing to allow his counsel to make objections or to point to exculpatory evidence in the record. We conclude that Dr. Gilman's due process rights were not violated. Although the meeting was open to the public, it was quasi-judicial in nature and could have been held outside the presence of Dr. Gilman and his counsel if Dr. Gilman had been provided with proper notice. Furthermore, neither Dr. Gilman nor the deputy attorney general were allowed to point to evidence in the record, either inculpatory or exculpatory. Finally, all of the Board members indicated that they had reviewed the record. Dr. Pennell merely summarized the record for them. Even if his summary may have been inaccurate in parts, we conclude that the Board members, who had all read the record, could disregard any inaccuracies. Dr. Pennell did not impermissibly cross the line into a prosecutorial or adversarial role.
NRS 241.030; NRS 241.034(1)(a).
NRS 233B.122(1); see also State, Dep't Mtr. Vehicles v. Thompson, 102 Nev. 176, 178, 717 P.2d 580, 581 (1986).
For the foregoing reasons, we affirm the judgment of the district court in part, reverse in part and remand with instructions to the district court to remand the matter to the Board of Veterinary Medical Examiners to reassess costs against Dr. Gilman in accordance with this opinion.
We have reviewed Dr. Gilman's other arguments and conclude they are without merit.
ROSE and MAUPIN, JJ., concur.
determining that the itemization of investigative fees alone did not suffice to show reasonableness or necessity
Summary of this case from Brochu v. Foote Enters., Inc.
observing that a district court has discretion to award more than $1,500 for an expert witness's fees
Summary of this case from Khoury v. Seastrand
describing the standard of review that this court employs when an issue must be established by clear and convincing evidence
Summary of this case from Benton v. Sheldon
observing that a district court has discretion to award more than $1,500 for an expert's witness fees
Summary of this case from Logan v. Abe
In Gilman, a veterinarian alleged the Nevada State Board of Veterinary Medical Examiners was biased because the Board was responsible for its finances and had a conflicting pecuniary interest in the outcome of his disciplinary proceedings through its authority to assess costs.
Summary of this case from Frokjer v. N.D. Bd. of Dental Examiners
In Gilman, the Nevada Supreme Court reviewed a case similar to the instant case, in which a disciplined veterinarian challenged the imposition of costs and attorney fees. 89 P.3d at 1003, 1005-07.
Summary of this case from N.M. v. Riegger

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: how to change the index of the table that was already created using rails migration? I already have this migration file that was created and the migration was run.
class CreateStudentContexts < ActiveRecord::Migration
  def change
    create_table :student_contexts do |t|
      t.string :student_id, index: true, null: false, limit: 40
      t.text :data
      t.timestamps null: false

      t.index [:student_id, :updated_at], unique: true, name: 'student_context_index'
    end
  end
end

Now i want to create a new migration file that will update the index, and the index fields should be student_id and created_at.

A: This question is kinda old, but in case anyone comes across it:
Justin Wood's answer should work, but with one change: replace the column name in the remove_index method with the name of the index:
remove_index :student_contexts, name: 'student_context_index'

When the index was created, it was given a specific (non-standard) name with the name argument, so you also need to use the name argument in the remove_index statement. Otherwise, Rails expects the index to have a standard name (in this case "index_student_contexts_on_updated_at").

A: You can create another migration and change the table. Something like
class MyMigration < ActiveRecord::Migration
  def change
    remove_index :student_contexts, :updated_at
    add_index :student_contexts, :created_at
  end
end

would do.

redpajama_set_name: RedPajamaStackExchange


Cockpit Painting. I used TAMIYA acrylic XF-71, after washing, the colour that it looks approaching though it's for IJN cockpit colour.
Then washing . I have used a premixed wash from Ammo, but you can also use oil paint.
Once the enamel wash is dry, the model is now dry brushed using a Khaki colour. This helps to bring out all the details.
Painting some knobs & switches in red and yellow. Little details make all the difference.
I now re-scribed those rivets by using the tip of a needle which is retrofitted in a handle.
The only one fitting problem I had with the kit was here on the underside. Patience is needed!
Before painting work begins, I find it better to apply one layer of primer on the whole surface.
Painting. First of all, I used to start from the bottom. These "standard" colours are a little dark for me, so I like to add some white colour for the base colour. All that is required is a light coat to cover the model. Here I used Gunze Mr. color lacquer paint.
I now apply some maskol. This kind of maskol is for using with water colours, but it still works and is suitable for modelling. You can apply along with panel lines and some panels. It also can be applied by using of sponge.
The other side of masking.
Then apply C-363 the "original" (non lightened) colour on those shallow places and some panel lines.
Apply maskol again, this time masking those darker areas.
The last step is to apply a highlight colour. You can add more white colour and apply in this way as this photo.
The final result after removing all the masking sol.
Apply upper camouflage. The ocean gray is applied first by the same way as the bottom. We are then ready to apply dark green area which is cut from TAMIYA's Spitfire camouflage pattern for masking.
The result of left wing.
A combination of colours is now mixed and sprayed over the dark green in order to simulate a faded effect on the model. You can notice that some panels have different colour.
Washing. I apply dark brown enamel wash along with panel lines first.
Then take another brush, moistened with white spirit and brush along from front to back of wing. This helps simulate airflow, stains and dust.
You can apply bluey washing enamel paint, to emphasize some specific panels.
Rusty tones are now used to again create the illusion of wear and rust.
Here you see the underside with all it's effects done.
Upper area is also made by this way.
We can make some chipping and fading by using of light Khaki colour. A fine brush is used to paint these on.
We can also apply some dust on wing roots where are usually stepped by crewman and pilot.
Apply dark brown wash and pigments on around of drum wheel.
Again brush out by white spirit.
The hydraulic prop can be paint by maker pen. Fast and easier.
Of course, oil stains are necessary. A mix on enamels are used for the job.
And don't forget apply some oil stains on and around the gas cap and the machine gun's panels. I am calling it done!


Greeting Copper Canyon Elementary School families…HOWLS it going?
Welcome to the Counselor Corner!!!
School Counseling is about working with students on academic, career and social/emotional needs in the school setting. This is done through assemblies, classroom lessons, groups meetings, and individual meetings.
CLASSROOM topics include: respecting others; decision making; social skills; communicating; problem-solving; stress management; conflict resolution; College and Career Readiness.
GROUP topics include divorce; anger management; friendship; anxiety; grief; study skills; dealing with change.
INDIVIDUAL topics are worked on by setting goals between the parent/guardian, student, and counselor. Such goals can be related to friends, crisis management, personal issues, self-esteem, abuse, depression, anxiety, grades, and attendance.
ASSEMBLIES are presented on anti-bullying and healthy living.
I grew up in Chicago, IL, surrounded by family, culture, and diversity. Learning and education have always been a passion of mine. I received my Bachelor's Degree from DePaul University, Chicago, IL (majored in Psychology). My Master's was earned at Northern IL University, DeKalb, IL (majored in Clinical Counseling). I received a School Counselor endorsement (K--12) from National Louis University, Chicago, Il.
2013 brought a cross-country move for my husband and I to West Jordan, UT. Settling down by family and grandkids has been a delight! During free time I enjoy crocheting, reading, cooking, movies and doing anything outdoors!


Lindsey Combs, Elkhorn Crossing School, Scott Co.
Luis Rodriguez, Elkhorn Crossing School, Scott Co.
The goal of this experiment was to test the effects of vape and cigarettes on overall behavior and health in rats. Vaping has become more popular over time because people think it is a healthier alternative to smoking. However, the effects of vaping have not been extensively studied and there may be harmful effects that are unknown. Using three groups of rats (a control group, a group exposed to cigarette smoke, and a group exposed to vape). Data collection over 2-4 weeks included basic analyses of weight gain, water intake, and food intake, as well as a urinalysis and dissection. The results suggest that vaping can cause some damage to the lungs and affect behavior compared to cigarettes. Overall, it appears that exposure to vape can cause health problems.


The singer/songwriter Ilaria De Robertis started to sing at the age of nine, and thus followed in the footsteps of her father, who was a professional singer. In 2005 and 2006, Ilaria reached the finals for "Sanremo Giovani" Festival and she has also performed at the Smooth Jazz Festival before: In 2013 Rocco Ventrella welcomed her on stage of the Mallorca Smooth Jazz Festival as a Special Guest. Another appearance in terms of Smooth Jazz followed in the same year at the "Christmas in Smooth Jazz Festival in Bari (Italy). Her new single "Blame the weather" will be released soon, also Ilaria is currently working on a new album.


I have trusted her with my life!
I met Dr. Ghobriel a little over a year ago when I hurt my back out of nowhere. I tried contacting many doctors to see me. I tried everywhere from Staten Island to NJ and everyone was booked or could not see me for two weeks or more. I was in so much pain that every time I called a doctor I just cried. It was so awful.
Then I called Dr. Ghobriel's office. Her assistant Tania (which by the way, is the best and sweetest assistant you will ever have to deal with) requested that I fax over my consult reports, x-ray's and MRI reports and they would get back to me. I never thought they would. I just cried with such pain. Within an hour Dr. Ghobriel's office called me back and asked if I could come to the office early the following morning prior to her office hours. I was shocked to hear a doctor wanted to see a patient 3+ hours before her normal office hours not to mention I had never met her before. I was so surprised and said yes.
This was over a year ago and I have to be honest, she is the most AMAZING doctor I have ever met, and I have seen many. She is so kind, caring, supportive and excellent in what she does. Oh and she has the BEST bedside manner. She will not rush you out of her office just because another patient is waiting. I would not recommend any other doctor! She is more than a doctor she is like a friend to me.
During my journey with her over the past year with spinal injections, she had told me over and over that I needed spinal surgery. I was scared to death about spinal surgery but I trusted her with my life. So when I met with a number of neurosurgeons they said everything that Dr. Ghobriel had said to me. Dr. Ghobriel is so smart in her field and really knows what she is talking about.
If anyone has any kind of back or neck problems I recommend her 150%. I can not say enough about her or even her staff. Her whole staff, including her team of doctors, nurses and assistants in the hospital are amazing not to mention so much fun. They make you feel so comfortable that you hate to leave. As I said before, "I can not say enough about her", she truly is a dedicated doctor and I have trusted her with my life! I can almost guarantee that you will feel the same.


Funerals remind us all of what we owe to previous generations and what we owe to the next. Southern Co-op are proud to be pioneering initiatives to make our funerals and our business more environmentally sustainable.
Forest Stewardship Council (FSC) (opens in new window) certified wood is used in many of our coffins and caskets.
Protecting the environment remains a priority for Southern Co-op (opens in new window). We have rolled out smart meters to all of our funeral homes to help improve energy efficiency, and the regular reporting on energy consumption helps us to identify energy-saving opportunities, which will drive down energy usage.


Q. Can you recommend an evergreen ivy for an NYC rooftop location?
The location is quite exposed to sun, wind, and cold. We're looking for a cold-hardy ivy that grows fast and tall.
Your best bet would probably be Hedera helix 'Baltica'. It is cold tolerant to zone 5 (about -10 to -20 F), is a medium to fast grower and can reach a height of 50 feet. And while it would prefer partial shade, it can tolerate full sun.
H. hibernica seems to be cold hardy in areas that don't have severe winters. It can probably take temperatures down to the mid-teens, so a mild-ish winter in the NYC area (zone 7b) would probably be fine but if we have a cold snap or a bad winter it might die or at least suffer greatly. It does seem to be very popular in the UK, but their winters tend to be more mild. Also, it has a reputation of being invasive here in the U.S. Much of the "English" ivy you see vigorously climbing trees is actually Irish ivy (the common name for H. hibernica).
For more information, see the Missouri Botanical Garden's information page on H. hedera 'Baltica'.
Regardless of what you choose, be sure the containers have good drainage. These plants don't appreciate having wet, cold soil in the winter.


is the optional name of a file from which to take the initial solution.
maxstepfrac  determine how close to the edge of the feasible region CSDP will step.
values of printlevel will generate more debugging output.
may be somewhat faster, but also somewhat less accurate.
csdp was written by Brian Borchers et al.


Can I fly with shingles, could it affect my hearing?
Can I fly with shingles?
I'm currently being treated for shingles. It has affected the right side of my face, especially my right ear where I have suffered quite a lot of pain and discomfort, and some loss of hearing. The course of anti-virals will complete in a few days, but next week I am due to go away on holiday. I'm worried that flying might badly affect my ear if it is not completely better by that time. Should I be concerned? Also is there, with or without flying, a risk that shingles could affect my hearing permanently?
You can usually travel with shingles as long as you're not infectious and there's no risk to you or your fellow passengers.
If your inner ear is affected by the infection, this can be painful as pressure within the ear increases during flight.
Airlines can refuse to let passengers fly if their condition could worsen or be affected by the journey, and if they pose a threat to passengers or crew. Each of their regulations differ, however, so it's worth checking with their medical department and website before you travel.
How can shingles affect your ear and hearing?
As shingles is a viral infection, there are various ways it can cause a hearing problem.
1. Ramsay Hunt Syndrome - This condition, also known as herpes zoster oticus, occurs when the varicella zoster virus spreads into the facial nerve near the inner ear. This causes nerve damage that affects your hearing.
2. Labyrinthitis - This term refers to infection and swelling in the inner ear structures that affect balance and hearing. Shingles can cause labyrinthitis either through direct viral infection or by subsequent bacterial infection that occurs as the blisters crust over and heal.
Ear shingles usually only affects one ear, the one surrounded by the rash.
Patients with Ramsay Hunt Syndrome might have additional symptoms due to the nerve damage caused by the varicella zoster virus. These include partial facial paralysis, loss of taste sensation, and dry mouth and eyes.
Antiviral medications - These attack the varicella zoster virus and prevent its spread. Antiviral drugs are usually taken for 7 to 10 days.
Corticosteroid therapy - This treatment can reduce the pain and swelling associated with shingles. Patients usually receive these powerful anti-inflammatories for three to five days.
You're more likely to recover from shingles if you begin receiving treatment within three days of your first symptoms. About 70% of those with shingles make a full recovery if they're treated early. If you delay getting to the doctor, your chances of complete recovery decrease. In some cases, hearing loss will be permanent due to damage to nerves or to the structures of the inner ear, so don't wait to seek medical attention.
What can go wrong after the initial rash is gone?
One of the most common complications of shingles is postherpetic neuralgia. This condition causes pain where you had the rash, even after it has healed. It can last weeks, months or in some cases years and may be treated using specific pain management.
In rare cases, shingles causes a small increase in the risk of stroke for a few weeks to a few months. That risk is higher if you have shingles on the face, as in your case, but the symptoms are easy to spot. You'll need to monitor your eyes. If you experience any changes in your vision or inflammation around the eye area you should seek medical attention immediately.
I suggest you see your GP to confirm you're fit to fly and that there's no risk to you or your fellow passengers. It's also really important to contact your travel insurance provider to inform them about any condition you're currently being treated for, as your cover may be affected.


A list of Citizendium articles, and planned articles, about Reid vapor pressure.
See also changes related to Reid vapor pressure, or pages that link to Reid vapor pressure or to this page or whose text contains "Reid vapor pressure".
This page was last modified 21:59, 26 October 2009.


Banks will need to open up if they wish to retain their role as financial intermediaries. Open Banking means financial institutions will need to offer their clients customized, innovative solutions. Anke Bridge Haux, Head of Digital Solutions & Delivery, acknowledges that this calls for strategic foresight, not only on the technology front but also in terms of business models and market positioning.
Why should banks open up? What are the opportunities and risks involved? How do financial experts see the implications of the Payment Services Directive (PSD2): overstated, or a disruptive innovation? Last but not least, do Switzerland's long-standing banking traditions still matter in the era of digital transformation?
These were some of the subjects discussed at the 2018 FinTech forum on digital transformation, entitled "Open Banking: Paradigm Shift." This is the fourth time the event has been held by Finanz und Wirtschaft with Credit Suisse as a main partner. Anke Bridge Haux, Head of Digital Solutions & Delivery and responsible for digitalization initiatives for the Swiss business, shared her perspectives with us shortly before addressing the event.
"Open Banking" is the buzzword of the moment: Programming interfaces are crucial to data traffic in the banking world of tomorrow. How important is this development at Credit Suisse?
Anke Bridge Haux: Open Banking will accelerate innovation in favor of the end-user. This will create opportunities for banks with a strategic vision of their role within the broader ecosystem. At the same time, Open Banking may pose a threat to banks that don't have a concrete strategy. Credit Suisse is an active supporter of Open Banking. For example, we are working as part of the Corporate API (application programming interface) project led by Swiss Fintech Innovations (SFTI) and welcome the collaboration with the FinTech community as a way of developing our Open Banking approach. Our aim is therefore to proactively incorporate Open Banking into our strategy and align ourselves with the requirements of the supervisory authorities. 2018 is going to be a year of partnerships. Banks will continue to open up, and technical standards will play an important role in this process, since they are a catalyst to further developments in Open Banking and a prerequisite for exploiting this potential from a strategy perspective.
In terms of technology, 2017 was described as the "year of digitalization" for Credit Suisse in Switzerland. How do you see it?
Very positively – we were successful in launching a large number of new digital features and were therefore able to turn our ambition into reality. For instance, digital account opening is now possible for private clients from around 50 countries provided they are domiciled in Switzerland. Since the fall, start-ups have been able to open their capital contribution account online. All processes are free of media breaks – meaning the account opening process can be done on a completely paperless basis and in just a few minutes. The numbers speak for themselves: 80 percent of accounts are now opened using the new digital process. What's more, we achieved two milestones with the launch of Credit Suisse Direct Business and Credit Suisse Direct. Online Banking for private clients was revamped to bring it into line with the successful Mobile Banking offer, making it much more user-friendly and intuitive. And since last fall our corporate clients have had access to Online Leasing and Multi-Banking – two solutions that are unique on the Swiss market.
How important are these developments for the bank overall?
Innovative projects are, of course, being developed by other business areas as well as by Digital Solutions & Delivery. For example, our colleagues from Products & Investment Services scored a major success with the launch of "Digipigi": With well over 10,000 packages delivered in just four months – including a large number of new clients – even our high expectations were exceeded, culminating in delivery bottlenecks. In addition, Credit Suisse co-launched TWINT – initially with six banks – in mid-April 2017; and 65 banks now offer the TWINT mobile payment solution to their clients. At more than 700,000 users and up to 15,000 new registered users per week, the figures speak for themselves.
That's an impressive benchmark: will it be possible to maintain – never mind increase – the rate of growth this year?
Last year's main focus for us was on coming up with innovative new solutions for our basic digital services and basic offerings. In 2018 we are building on the foundations laid last year, and are steadily expanding our offer. To give you a specific example, the digital account opening process for corporate clients is due to go live in the next few weeks. Added to that, we'll be launching an online credit function on the corporate clients portal in the next few days: This enables applicants to find out in just a few minutes whether we are prepared to grant them a loan and, if so, on what terms. The same applies to online lombard loans, which we're also hoping to launch for private clients this year.
What other features can our clients look forward to?
I think our eTax solution will be very well received. This new feature makes it significantly easier for many of our clients to complete their tax declaration, because the tax-relevant items are automatically imported into their online tax return. In addition, we're putting a lot of energy into developing client chatbots.
SwissSign Group was set up in early March to provide the SwissID service, with Credit Suisse as one of the backers. But this isn't the first time an attempt has been made to establish a digital identity in Switzerland, so why should it work now?
It marks another important step toward the implementation of a digital identity system in Switzerland. I'm convinced it will work this time, because with SwissID we've created a widely accepted digital identity with extensive potential applications. Backers include banks and insurance companies as well as major government-related organizations. A further eight partners have been added to the existing nine partners since the announcement of the Memorandum of Understanding on Swiss Digital Day. Credit Suisse has been a backer of the project since the outset.
To what extent will SwissID make online life easier?
SwissID will enable users to move around safely in an increasingly digital world and make it easier for them to access online services. The aim of SwissID is to make the issuing of digital identities more efficient and user-friendly. Virtually every single provider has its own identification process at the moment, resulting in high costs. The use of digital identity is simple, secure, and free of charge for private users. It makes business and management processes on the internet more efficient and much simpler. More than four million clients are set to benefit over the next few years.
Around 300 opinion leaders, decision-makers, and visionaries from the financial sector as well as the FinTech community met at the "FinTech 2018 – Open Banking: Paradigm Shift" forum staged by "Finanz und Wirtschaft" on March 15 to find out more about the Open Banking of the future, the potential earnings, as well as the disruptive power of digitalization in the financial sector. Credit Suisse supported the event in its capacity as exclusive Premium Partner.


Whitby Meadows is made for those who choose to live in the center of it all! Located at Coronation Road and Rossland Road, it's connected to everything with your choice of GO Transit, Highway 401 and the new Highway 407 extension, all right at your doorstep.
Double Car Garage Townhomes and Detached Homes on 30' and 36' Lots.


text:
Jon Friedman's Media Web
Is Amazon the Netflix of 2012?
Published: Jan. 5, 2012 at 4:00 p.m. ET
Jon Friedman
Commentary: The company hopes to win back good will on Wall St.
A previous version of this column misidentified the source of a Jan. 3 quote about Amazon.com. The correct source is InvestorPlace.
NEW YORK (MarketWatch) — Is Amazon.com Inc. going to be known as the Netflix Inc. of 2012?
Last year, Netflix NFLX, -1.48% was the poster child for the public companies that couldn't get out of their own way. It callously raised prices for its content at a time when consumers were cost-conscious. When the customers protested, the company apologized but it was too late to put out the fire on Main Street, as 800,000 subscribers walked away. Wall Street noticed. Netflix's stock plunged 77% off its July high.
Amazon CEO Jeff Bezos
It would be precipitous today to suggest that Amazon should be designated as the new Netflix. But the stock market isn't known for fairness or sentimentality, and Amazon's recent performance has raised questions about its prospects.
If Amazon isn't careful about managing its reputation, it could begin to resemble One of Those Stocks, in which you kick the tires extra hard to make sure that everything is OK.
InvestorPlace on Jan. 3 published a piece with the telling headline of: "If You Don't Own Amazon, Don't Start Now." It suggested that Amazon's "current sky-high valuations" made it appear to be a "risky investment."
Oprah returns to talk show format
As recently as last Oct. 14, Amazon's executives must have felt like the royalty of Wall Street — and deservedly so. The company's shares had climbed to an all-time high of $246.71. It was a testament to convincing management and marketing strategy, as the online retailer showed it could continue to evolve and meet the demands of the of the digital revolution.
Within weeks, everything changed, though. Amazon's third-quarter earnings results severely missed Wall Street's estimates. The punishment was swift and decisive. The company's shares promptly tumbled 17% in after-hours trading. Through Dec. 30, Amazon's shares had plummeted 30% off their high point.
Further, Goldman Sachs has warned that Amazon could miss its fourth-quarter projections because of a deterioration in the growth of online shopping — even taking into account the impressive sales of Amazon's Kindle Fire tablet.
It would be a mistake to write off Amazon. Chief Executive Jeff Bezos has moved aggressively into the tablet arena, and has a reputation for steering Amazon beyond the simple three-month horizons of Wall Street and taking the long view.
So, what should investors make of Amazon? They'll have to decide whether Amazon is truly a well-managed company that has a foothold on digital technology or a cautionary tale for 2012.
MEDIA WEB QUESTION OF THE DAY: Is Amazon's stock a buy or a hold or a sell right now?
What do you think? Feel free to comment below.
Yes, you can become a millionaire farmer
"'If you want to become rich," Jim Rogers, investment whiz, best-selling author and one of Wall Street's towering personalities, has this advice: Become a farmer."
Dealbreaker's Bess Levin: tough and funny
The 10 best things government has done for us
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text:
The History of the Second Generation El Camino (1964-67)
The era of the first generation El Camino ended in 1960 with less than 15,000 orders. Four years later, Chevy introduced the second generation El Camino based on the Chevelle model that lasted only until 1967 and there is little wonder: It was released as a utility sedan with lackluster engine power and occupancy for only two or three (or four if the majority of the occupants were children. Federal safety laws were very different back then).
Standard equipment included air shocks, a 3-speed manual transmission, 4-speed manual transmission, and a 2-speed Powerglide automatic transmission.
The '64 El Camino models were equipped with several powertrains such as the 194 cubic inch engine rated at 120 horsepower; a 230 cubic inch 6-cylinder engine with 155 horsepower rating; and a V8 283 cubic inch small block with a 2 barrel carb rated at 195 horsepower. The 283 V8 could be upgraded to provide 220 horsepower, a 4 barrel carburetor, and dual exhaust. An optional engine in two versions was also available. The 327 cubic inch small block V8 with either 250 horsepower or 300 horsepower that provided a high compression ratio of 10.5:1.
The '65 El Camino received a body upgrade to match the Chevelle model for that year. The front end was shaped like an arrow, or "V", which gave the Chevelle a sleeker, more aerodynamic look that fed into the muscle car appeal. Still, the equipment lacked as only the '64 engines and transmissions were offered as well as the higher performance 327 engine.
Chevy at last offered a more powerful 396 cubic inch V8 engine (6.5 liter) with a horsepower rating of 325 to 375 for the 1966 El Camino. While this year model received a spanky new instrument panel and standard bench seating, most available equipment remained the same. A custom El Camino however mimicked the Chevy Malibu, offering plush interior upholstery, optional Strato swivel bucket seats and a tachometer.
Then, the 1967 El Camino received a new front grille, front bumper, and trim, a collapsible steering column (very new), and optional disc brakes while the 396 cubic inch engine and 3-speed TurboHydramatic 400 automatic transmission remained available from the 66 year model. Chevy also offered the L34 (350 horsepower) and L78 (375 horsepower) engines while the TurboHydramatic 400 was optional with the 396 engine in both the 396 equipped El Camino and the SS396 series.
Second Generation El Camino Parts Available:
Shop 1964 El Camino Parts