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The Attention Deficit Hyperactivity Disorder (ADHD) Society of the Philippines is a parent-based organization where support for persons with ADHD are accessible to ensure the full attainment of their God-given potentials. It was organized for the purpose of providing different kinds of support to individuals with ADHD, their families, and the professionals who work with them, through family empowerment, advocacy, and networking with stakeholders. The organization was formally introduced on October 21, 2000 and since then has grown continuously nationwide
For two days in October 2000, the officers and staff of Eucharistiana Center for Special Children and Learning Inn worked incessantly to make sure that everything was running smoothly for the on-going first national conference on ADHD. The project director, Peter Mallonga, was particularly contented with the launching of the ADHD Society of the Philippines, his brainchild and obsession for the past year when he and a group of associates—Rose A. Aligada of Learning Inn, who served as assistant project director of the conference, Dr. Marie Arranz-Lim of Child Development Center, and Dr. Stella G. Manalo of University of the Philippines-Philippine General Hospital—were conceptualizing the formation of the organization. They pushed for its creation because they firmly believed that only by empowering those who are most affected by the disorder—children and adults with ADHD, and their families—can the problems be addressed. Supported by the Canada Fund for Local Initiatives, the organization was finally and formally introduced, together with its first core-group members, on October 21, 2000 to the more than 250 participants of the conference.
The launching was the final step in a long process that involved a series of brainstorming, consultations, workshops, and other meetings with different groups. A network of medical practitioners, therapists, educators, and other professionals working with children were contacted for referrals for possible collaboration. Excited by the possibility of realizing a shared vision, many of them referred parents of the children they were handling. Workshops were held for parents of children with ADHD in several areas in Metro Manila, Bulacan, Rizal, and the Cavite-Laguna area to discuss some of their concerns and to inform them about the conference. The results of the workshop discussions were later incorporated into the content of the conference, as well as the vision-mission statement that was formulated. These workshops were spearheaded by Ms. Dess Ann B. Villaver, a conference coordinator, and assisted by the conference staff.
The members of the coregroup—namely Susana G. Pe, Marfina T. Teodoro, Carla Kalalo, Susan Martin, Marce Narcia, and Criselle Cudiamat—met during these workshops and were recognized as potential leaders. During the conference, representatives were elected by the body, and many of them became active members who continue the arduous tasks of slowly building the organization. Aside from the core-group members, some of the area representatives included Ditas V. Tuazon and Ditas Martelino for Quezon City; Maite Ortigas and Gerry dela Serna for San Juan-Mandaluyong; and Dominic Aquitania for Bulacan-Novaliches. The officers were elected by the body, with Mrs. Susana G. Pe as president. Soon after, a change in leadership was effected and Ms. Marfina T. Teodoro became the next head of the organization.
The society was envisioned to be a venue for organized efforts by parents, professionals, and concerned individuals in promoting the welfare of persons, particularly children, with ADHD. The organization identified priority areas that need to be addressed: 1) information campaign on ADHD through media to make people aware and recognize that ADHD is a disorder; 2) education and training, particularly among teachers and school administrators, because many of the affected children are enrolled in schools and are discriminated upon; 3) local research on ADHD; 4) strengthening support groups by expanding membership; 5) establishing a support center for persons with ADHD.
Ana Marie Aluzan - Aran
Seasoned Marketing and PR Strategist, Writer at-large and Editor-in-chief of food business website www.dineph.com, Managing Partner for Courage Asia and adjunct faculty of Enderun Colleges. She is a graduate of Ateneo de Manila University and a mom to a 20 year old son diagnosed with ADHD Combined Type.
Ma. Rosalia P. Abaya
An experienced professional with more than 20 years of experience in the field of business valuation, human resource, planning, financial analysis and business idea generation. At present, she is the Business Development Manager of Solarstar Corporation as well as Board member of Army Lakambini Consumers Cooperative. She graduated from University of the Philippines Diliman (BS Economics) and took her M.B.A. from Pamantasan ng Lungsod ng Maynila. She is mom
She is mom to an 18 year old son with ADHD Combined Type and a 22-year old daughter with ADD.
Johanna Olegario – Gabano
Finance & Administrative Head of their family-owned business, SAILE Industries. She is a graduate of University of the East and a mom to a 15 year old son diagnosed with ADHD Combined Type.
Andrew Dominic Pe
GROUP SECRETARY
Study coach at Project Pond, as well as tutor and life coach to high school and college students with ADHD and/or ASD. He had his Training Development and internship at St. Luke's Medical Center. He and his family has been one of the founding members of the Society. He is a graduate of the University of the Philippines and diagnosed with ADHD Combined type.
Jose Enrique "Erick" Pasion Mataverde
Erick is a Freelance Writer and avid video gamer who was diagnosed with Attention Deficit Hyperactivity Disorder (ADHD) late in his life.
He worked in a slew of companies from the government sector, hospitality industry, business proces outsourcing companies and, recently, as Project Management Head of Hyundai Elevator Services (Philippines), Inc., which was his last stint in the corporate world.
A graduate of BS Tourism from the Asian Institute of Tourism, University of the Philippines, he has made one of his pursuits to help like-minded individuals understand, cope and appreciate what ADHD is all about.
Christine Sipalay-Nobleza
Ms. Christine S. Nobleza, fondly called Ms. Fa'ar or teacher Fa'ar.
Mother of 4; has an ADHD son; graduate of Bachelor of Arts in Communication at University of the Philippines, Diliman QC; has M.A. units in Early Childhood Educatìon at St. Joseph's College QC.; Director/Proprietor Child Individualized Nurturing Center, Calamba, Laguna.
Teacher Fa'ar was a former Board member of the ADHD Society and a graduate of Parenting Workshop, Batch 8.
Fiel John Meria
Life Coach, a Study Coach and a Special Education Teacher for teens and adults diagnosed with ADHD. He has occupied various position in the Society, including Board Member and Vice-President. Mr. Meria graduated from Ateneo de Manila University and has been diagnosed with ADHD Combined Type.
Helen Grace Tiongco- Navarro
Chairman : Ways & Means Committee
Helen has 8 years of experience in teaching children in Kinder through 9th grade. She specializes in Early childhood education in special education and is currently teaching as a specialist in Cottonwood Elementary in USA. She received her Master's degree in Special Education, with a major in Early Childhood from St. Joseph College of Quezon City, Bachelors Degree in University of Santo Tomas Manila and a Special Education diploma this year from Resources for Education and Allied Consultancy Habitat (R.E.A.C.H) Inc. Currently she is taking short courses in Harvard University in USA. Helen has been an active member and advocate of the ADHD Society of the Philippines for several years now and is also a mother to an 11 year old daughter diagnosed with ADHD Combined Type.
Manuel C. De Guzman
Mr. Manuel C. De Guzman, one of our active fathers who regularly attends our Parent Support Group meetings. A father to 14 years old son diagnosed with Combined type ADHD by Dr. Mark Reysio Cruz at the Capitol Medical Center. He is a freelance Safety Officer in a construction firm.
He decided and chose to have more time with his eldest son, to better understand, accept and manage the condition.
Rosario Margarita "Rose" A. Aligada, Ph.D.
Founding Member Member, Board of Advisers
Dr. Aligada is a professional teacher, a registered nutritionist dietitian, a master Solution-Focused Brief Therapy Practitioner, and a family ministries' worker.
Her professional practice and leadership in Education include membership in the Technical Panel on Teacher Education's Committee on Special Education. This technical group was organized by the Commission on Higher Education (CHED) as a vital component of its strategic plan to improve the Philippine education system and make it globally relevant and competitive.
Dr. Aligada was Dean of the College of Education of Miriam College from April 2012 to May 2018. During this time, she held a concurrent position as chairperson for the Special Education program. During her term, Miriam College was designated as a Center of Excellence in Teacher Education.
Prior to becoming an educator of teachers, Dr. Aligada built her special education practice initially as programs officer of Eucharistiana Center for Special Children, then as President of Laro, Lapis at Libro, a transition school for children with special education needs. She also heads Learning Inn, a therapy and support center for children and families.
Her training as a nutritionist-dietitian; as a family ministries' worker; her experience as a master practitioner in Solution-Focused Brief Therapy, and as a life coach enables her to approach education, her advocacies, and life concerns in a holistic manner.
Dr. Aligada holds a doctorate degree in Reading Education from the University of the Philippines; a master's degree in Special Education, as well as a Bachelor of Science degree in Community Nutrition from the same university. She is an internationally accredited Master Solution-Focused Brief Therapy Practitioner, having passed standards set by the International Alliance of Solution Focused Teaching Institutes after her training from the Academy of Solution-Focused Training (Singapore).
As a main proponent and co-founder of the ADHD Society of the Philippines, Dr. Aligada sits as a member of the advisory board of the ADHD Society of the Philippines.
Merlene Alon, Ph.D.
Member, Board of Advisers
Dr. Alon graduated with a Bachelor of Science major in Mathematics degree at the University of Sto. Tomas and has a Masters degree in Science Teaching Mathematics from the De La Salle University where she also finished the academic requirements for MST Physics. She also holds a Masters degree in Business Administration and Special Education; and a Doctor of Philosophy in Educational Management. She specializes in reading and math disability. She had trainings in Davis Dyslexia in Singapore, the US-based Slingerland Method of addressing the dyslexics, she is one the seven tutors of Orton Gillingham Math in the Philippines.
Currently, she is specializing in autism at the Mind Institute of the University of California in Davis. She is the former President of the Reading Association of the Philippines; former Chair of the International Development in Asia Committee of the International Literacy Association; and a former President of the Laguna Private Schools Administrators Association; and the Zonta Club of Laguna.
Cornelio G. Banaag, Jr., M.D., FPSCAP, FPPA
Known to many as the "Father of Child and Adolescent Psychiatry" in the Philipppines, Dr. Banaag is a child, adolescent and adult psychiatrist based in Manila, Philippines. He is Consultant to the Programme on Substance Abuse of the World Health Organization in Geneva, Switzerland; and Coordinator of the WHO Project on Street Children and Substance Abuse in the Philippines. He is currently a Consultant with the National Project on Street Children in the Philippines and Head of the Child Psychiatry Division of the Philippine Children's Medical Center. He is an Honorary Fellow of the Philippine Society for Developmental and Behavioral Pediatrics (PSDBP) and a Fellow and 3-term president of the Philippine Psychiatric Association. He is an International Member of the American Psychiatric Association and a member of the Phi Kappa Phi International Honor Society, Philippine Chapter.
Marcelino "Mark" G. Reysio-Cruz III, MD, DPPS, FPSDBP
Dr. Reysio-Cruz is a Diplomate of the Philippine Pediatric Society and Fellow of the Philippine Society for Developmental and Behavioral Pediatrics. He is a graduate of the University of the Philippines College of Medicine-Philippine General Hospital and received his residency training at the Capitol Medical Center. He pursued his fellowship training in Developmental-Behavioral Pediatrics at the University of Washington Medical Center and Children's Hospital Regional Medical Center in Seattle, Washington, USA. At present, Dr. Reysio-Cruz is a Consultant at the Capitol Medical Center where he is Head of its Child Development Unit and Department of Pediatrics Research Committee and is a Member of the Department of Pediatrics Training Committee. He is also a Director of the Special Olympics Philippines, Healthy Athletes Promotion.
Annie Camara David, Past President
Ms. David is a CPA by profession, graduating with a Bachelor of Science in Commerce degree, major in Accounting from the University of Santo Tomas. She finished her Masters in Business Administration from the Ateneo Graduate School of Business. She worked for San Miguel Corporation and pursued a career in finance, systems, logistics and procurement(both strategic and leveraged items). Thereafter, she embarked on her own venture, Chaste Leasing and Realty Corporation (a company based in Northern Samar) and put up a business hotel, ANBERO INN (based on the 3rd floor of the family-owned CAMARA Building). She is an active member of the Inner Wheel Club of the Philippines and the St. James Renewal Movement.
Leticia "Letty" Peñano-Ho, PHD
Dr. Peñano-Ho, a Clinical Psychologist-Neurotherapist, is the Founder and President of the Philippine Center for Gifted Education (PCGE) and is the current Chair and President of the Philippine Association for the Gifted. She participated in the Multiple Intelligence Laboratory Fellowship with Dr. Howard Gardner of Harvard University in Boston. Dr. Ho founded Psychpros where she pioneered neuro therapy feedback therapy, an intervention which has been used in the United States for decades. Psychpros is the only Philippine-based center that offers this intervention for children, adolescents, and adults with Attention Deficit Disorder, Oppositional Defiant Disorder, and other disabilities. Dr. Peñano-Ho has been a consultant of international agencies such as the World Health Organization (WHO), UNESCO, ILO, ADB, and World Bank, as well as local agencies like DepEd CHED, DOLE, Civil Service commission, and the PDEA for various projects on education and psychology. She has also recently presented and participated in conferences in the United States, Denmark, Australia, Hongkong, and United Kingdom.
Ma. Theresa "Marie" Arranz-Lim, MD, FPPS, FPSDBP
Founding Member; Member, Board of Advisers
Dr. Lim is past President of the Philippine Society for Developmental and Behavioral Pediatrics (PSDBP) (2013-2014) where she is also founding fellow and a Member of the PSDBP Board of Trustees. A fellow of the Philippine Pediatric Society, Dr. Lim is also the founding Chair of the National Institute for Learning Institute here in the Philippines and a Board of Trustee of the Good News Clinic and Hospital in Banaue, Ifugao. She is a consultant at The Medical City and at the Cardinal Santos Medical Center. She is the Developmental Behavioral Pediatrics Section Head in Cardinal Santos Medical Center. Currently, Dr. Lim is Training Officer in the Developmental Behavioral Pediatrics Fellowship Program and a visiting consultant of The Medical City. Her training in developmental-behavioral pediatrics was conducted in UP-PGH. As a mother of a special needs teen, Dr. Lim continues to support the ADHD Society of the Philippines' programs especially those concerning programs for parents.
Karina M. Quimpo-Mallonga
Director for Academic Affairs, Infant Jesus Academy (IJA) Schools System; Member, Board of Advisers
Kyen, or Karina M. Quimpo-Mallonga, is currently Director for Academic Affairs of the Infant Jesus Academy (IJA) Schools System, and concurrently heads its IJA-Kalibo campus.
Kyen's involvement with the ADHD Society of the Philippines stems from her being a board member of Eucharistiana Center for Special Children and Learning Inn, institutions that are actively implementing programs for children with special learning needs. She was among a group of volunteers who laid the groundwork for holding the highly successful first National Conference on ADHD in October 2000 by organizing and facilitating meetings with different professionals, parents, and other individuals involved with children with ADHD. She was also actively involved in the different preparatory activities prior to the conference as well as in implementing a myriad of tasks during and after the event itself.
One of the objectives of the ADHD National Conference in 2000 was to be able to organize the ADHD Society of the Philippines. Kyen and her husband Peter, who was the person behind the idea of organizing the conference and the society, made use of their background in community organizing in mobilizing people and resources to ensure the fruition of this idea. As one of its founders, Kyen helped in ensuring that the sustainability of the organization. Twenty years later, she says that helping build community awareness about ADHD, establishing programs and activities that support the needs of children and persons affected with the condition, as well as sustaining delivery of services for the children and their families, is one of the many experiences that continue to bring a sense of fulfilment to her.
Peter F. Mallonga, M.ED.
Mr. Mallonga is a Founding Member and a Member of the Board of Advisers of the ADHD Society of the Philippines. He is Board Member and Chancellor/Chief Operational Officer of the Infant Jesus Academy Schools System; and a Founding Member and Board Member of Eucharistiana Center for Special Children, Learning Inn, the Marikina Private Schools Administrator Association (MARIPRISA) and the Federation of Administrators for Private Schools Association (FAPSA). He is a Consultant at MERITXELL Children's World Foundation (Orphanage); Volunteer/Resource Person of the Dept. of Education Legal Department ((Child Protection Policy) and a Volunteer / Country Trainor of the Save the Children Philippines (Positive Discipline). He graduated with a Diploma in Industrial Technology from De La Salle University, Taft (1979) and Bachelor of Science degree in Community Development in UP Diliman (1986). He pursued further studies in the field of Special Education with a Masters degree in UP Diliman (1988); Certificate Courses at the University of Oslo, Norway (1991); and a Diploma in Social Welfare – Programs for Special Children at the Asahigawaso Social Welfare Institute Okayama City, Japan (1990). He is presently pursuing PhD Major in Educational Administration in UP Diliman.
Raul Luis D. Manaligod
Past President, ADHD Society of the Phils. Advisory Board Member, ADHD Society of the Phils.
Mr. Manaligod is a Past President and Member of the Board of Advisers of the ADHD Society of the Phils. He has worked extensively in the educational field as Administrator of the Science and Research Institute of the Ateneo De Manila University; President of the Divine Word College of Laoag, among others. He designed and implemented community-based Early Intervention Programs for Children at Risk, training thousands of regular classroom teachers and day-care workers in local government units in the Philippines. He also gave talks on the "Education of Children with Disabilities" in international and national conferences and has written numerous articles on "community-based early intervention program," "children with disabilities" and other articles published in national newspapers, professional and local magazines. He received his Master's in Development Management at the Asian Institute of Management and a Master's Degree in Pastoral Management from the Divine Word Seminary, where he graduated Magna cum Laude. He holds a Bachelor of Arts Degree in Economics at the University of Santo Tomas, where he also pursued his Master's Degree in Business Administration. At present, he is the President of the DBPSC Consulting; Executive Vice President of the DBP Service Corporation; and President of the DBPSC Insurance, Inc. He has also served as an Educational and Management Consultant for various government agencies and private institutions.
Stella Guerrero-Manalo, MD, DPPS, FPSDBP
Director, Center for Developmental & Behavioral Pediatrics of The Medical City Founding Member Member, Board of Advisers
Dr. Manalo is the Training Officer of Dev Pedia at the UP College of Medicine-PGH and Associate Director at Child Protection Network Philippines. She took a Master of Business Administration at the Ateneo Graduate School of Business; held Post-graduate Fellowship for Developmental and Behavioral Pediatrics at UP-PGH Department of Pediatrics; and post-graduate residency program at UP-PGH Department of Pediatrics. She graduated Summa Cum Laude with a degree in BS Zoology at the UP College of Arts and Sciences and belonged to the top 20 of her class at UP College of Medicine.
Editha "Ditas" Rodriguez-Martelino
Past President Member, Board of Advisers
Ms. Martelino was actively involved in the ADHD School Caravan, a public awareness and teacher training campaign on the disorder. She underwent training under US-based psychologist/ADHD expert Sandy Malone-Long (along with other parent advocates) thus enabling her to facilitate Parent Training Classes. She also wrote a regular column in the Manila Bulletin titled "Attn!", where she wrote informative articles on ADHD. She actively participated in workshops of the Dept. of Health for the drafting of the Implementing Rules and Regulations (IRR) of R.A.7277, also known as the Magna Carta for Disabled Persons, particularly on the issuance of the Persons With Disability (PWD) card. She is an AB Literature graduate of the University of Santo Tomas. She is the charter president of the Miriam College (Higher Education Unit) Family Council; past president of the St. Theresa's College, QC (STCQC) Family Council and secretary of the STCQC Family Council Alumni Association. At present, she is a freelance writer and devotes her spare time doing socio-civic work.
Alejandro "Alex" A. Pe
Past President; Member, Board of Advisers
Mr. Pe is a Past President and a Member of the Board of Advisers of the ADHD Society of the Phils. He graduated with a Bachelor of Science major in Chemistry degree (1977) and holds a Masters degree in Business Administration (1983), both from the from the University of the Phils., Diliman. He is a senior sales and management professional with thirty years experience in sales and marketing management , mainly with multinational companies. His outstanding work experience include: Field Supervisor, Pelican Agro-Products; Technical Sales Representative, Asian Chemicals Corp.; various top-level positions in Kodak Phils., Ltd.; Vice-President for Sales of Siemens Medical Systems, Inc.; Vice President for Account Management, Healthcare Sector, Siemens Medical Systems, Inc.; and Managing Director of Transmedic Philippines, Inc. He is enjoying his retirement at his house in Marcelo Green Village, Parañaque, where he spends his time tending to his garden and taking care of his granddaughter Leona.
Susana "San" S. Gosalvez-Pe
Ms. Gosalvez-Pe is a Founding Member and Member of the Board of Advisers of the ADHD Society of the Phils. A B.S. Psychology & MBA graduate of the University of the Philippines in Diliman, Susana has had a lot of experience in dealing with children with ADHD as all her 3 children have been diagnosed with the condition and have been classified as "learning disabled" by the American school system. (It is even believed that both she and her husband, Alex, have the condition, too, though un-diagnosed.) Her work background is long and varied (advertising, research, media, theatre & cinema, government, business, and education including being a volunteer parent-teacher at the Mendon Center Elementary School & St. Louis Parish in Pittsford, New York; Christian Ed teacher in Jakarta, Indonesia; and grade school teacher at the Anima Christi Learning Center in Alabang, Muntinlupa). She is currently an owner of Café Miel at Madison Galleries Lifestyle Mall in Muntinlupa City along with her son Chef Mino Pe. She is also a volunteer speaker and panelist in seminars and conferences and facilitates support group meetings of the ADHD Society of the Philippines.
Marfina Teodoro
Ms. Teodoro is a co-founder of the ADHD Society of the Philippines and served as its president during the early years of its organization from 2000-2004. She is a certified life coach and a Marshall Goldsmith executive coach. She is a consultant with experience in the corporate and non-profit sectors, working with clients in the education, healthcare, real property development and hospitality industries. She is involved in community service as a member of the board of directors of Assumption Alumnae Association where she chairs the Membership and Class Representatives Committee to involve the alumnae in projects for social change. She is an active member of the AIM Chapel Community where she serves as a lector. She graduated with honors from Assumption College with a degree of BSC in Management. She is a proud recipient of the Triple-A Award from the Maryknoll/Miriam College Alumni Association. Ms. Teodoro facilitates the 7 Habits of Highly Effective People program as a certified facilitator of the Center for Leadership and Change, Inc.
Pacifico "Pong" Tee
Founding Member; Member, Board of Adviser
Mr. Tee is a past president and a member of the Board of Advisers of ADHD Society of the Philippines. It was during his presidency that the Society was given a Special Award for the Group Category of 2015 Apolinario Mabini Awards. His passion for educating and helping other parents, teachers, school administrators, caregivers, institutions inspires him to give numerous seminars on how to handle kids with ADHD. Mr. Tee earned his Bachelor's Degree in Business Administration at the Philippine School of Business Adminstration (PSBA) in 1982. Since then he has ventured into various businesses but his heart is really in helping others and doing charity works. Two years ago, he went to Malaysia and United States of America to study Neuro-Linguistic Programming (NLP). After completing all the courses, he is now a licensed Master Practitioner of NLP and has started his counseling career through the application of NLP. Currently, he serves as consultant to Philflex, Chattrade Enterprises and Happy Chef, among others. He also handles the Safe Drive Management program of Tuason Racing School.


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module Champollion
  module ApplicationHelper
  end
end

redpajama_set_name: RedPajamaGithub


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McGurk's Families' Press Statement
Leave a Comment / blog, media / By Ciarán
Following the publication in February of the Police Ombudsman's report into the RUC investigation of the McGurk's Massacre, the Chief Constable, Matt Baggott, rejected key aspects of the Ombudsman's findings. He tried to suggest that the hurt caused to the families was as a result of 'confusion' and was not the direct result of a deliberate campaign of disinformation involving the RUC, British Army HQ and the NIO.
We met the Chief Constable within days of his statement and asked him to study the report and meet all of the families to let us know exactly which of the 13 findings he rejected and why. We understood that this would take a matter of weeks. Three months later the Chief Constable is still refusing to meet us or give us any explanation for his deeply hurtful statement. He has had the ear of Special Branch but has remained deaf to the families of the victims.
The lie, the spin, the disinformation in relation to McGurk's Bar began with a report from the RUC Duty Officer on the morning after the bombing which claimed that a man with a suitcase had entered the bar and set the suitcase down to be picked up by another person. This is the RUC fabrication and pretext that the explosion was an IRA bomb-in-transit. This is the black propaganda that villified the good name of our families.
We have brought a suitcase here today for the Chief Constable. This symbolises the years of lies and deception. The suitcase that never was but which was invented by RUC officers. The IRA bomb that was in fact a UVF bomb.
That lie was followed by many others and this suitcase contains copies of the documents that spread the lies, the spin, the disinformation. Special Branch reports, British Army HQ intelligence summaries, John Taylor's statement to Stormont, Prime Minister Faulkner's briefing to Home Secretary Maudling and more (all available on our Research page).
The question has arisen of an apology from the Chief Constable on behalf of the police. We no longer wish to hear an apology. The time has past. After such a delay it would serve no purpose.
What we do want to hear from the Chief Constable is if he now accepts the report of the Police Ombudsman. No ifs or buts or excuses. And no more delays – for these delays have only exacerbated the trauma felt by our families.
We are no longer requesting a meeting with the Chief Constable. The onus is now on him as a public servant.
End Note: As always we thank our friends in the Pat Finucane Centre and the British Irish Rights Watch for their continuing support, never mind their time.
Copyright © 2023 Ciarán MacAirt. Writer. Raider.
Powered by Ciarán MacAirt. Writer. Raider.

redpajama_set_name: RedPajamaCommonCrawl


Is Your Organization Healthy Enough to Grow?
Whether you are the leader, staff member or a member of the Board of Directors of a local organization, you play a part in the health and sustainability of your nonprofit. And though the wish is that nonprofits will be sustainable based on meeting the needs of our community alone, being able to meet the mission of our organizations takes more than passion. So how can your organization be healthy enough to grow? The answer may be capacity building.
When considering capacity building to move toward sustainability for nonprofits, research shows three areas to focus on; management, adaptability, and program capacity. Depending on the size, age and purpose of your nonprofit, these three areas can take on different meanings. What is important to remember is that sustainability is not reliant on funding alone. Think of it this way: if you give an organization a $10 million gift, sustainability and growth is not possible if the management is not well prepared, if the organization cannot adapt to current conditions, or if the organization does not have the resources, people, and planning to meet the needs of the people reaching out. This is where the Community Advancement Network can help.
The Community Advancement Network partners with regional entities such as the Midland Area Community Foundation to help provide capacity building services to our nonprofits. Through consulting, professional development and executive learning, the Network can help with the management, adaptability and program capacity of your organization. Board governance training, team building, best practices in human resources, marketing assistance, strategic planning and business consulting are just some of the ways that the Network supports our region.
If you are connected with a nonprofit in Midland, begin the conversation. Are we healthy enough to grow and sustain our programs? Then reach out to find out more about the Community Advancement Network, a program to support you in your journey.


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BERRYVILLE, Ark. — Crosses of varying size adorn the walls at a decades-old flower shop just off the main square, the heart of this traditional Bible Belt community. Across the street, a small museum boasts a collection of nearly 1,000 handguns.
Rhonda Oberg's Nita-Faye Flowers and Gifts is just the kind of business many would see as benefiting from a so-called religious freedom law, which could allow her to refuse to sell flowers for gay weddings. And conservative Berryville is just the kind of place where such a law might be welcomed.
But even in a place where churches outnumber restaurants, many of those often touted as the law's beneficiaries — such as florists and caterers — don't see an overwhelming need. In fact, some question its very spirit.
"Discrimination is discrimination," said Oberg, who has no qualms offering bright wedding bouquets to the neighboring gay-friendly town of Eureka Springs. "It's ridiculous."
Oberg is the unwitting pawn in an ideological battle that is playing out in state houses from Maine to Louisiana. It has moved fastest in Arkansas and Indiana, where conservative politicians and religious activists have demanded residents receive a legal right to insulate themselves from a potential encroachment on their faith, such as refusing services for events like gay weddings.
But here in this Republican stronghold, locals paint a picture far less stark than that portrayed by the loudest voices of the religious right. Regions like this one, where faith and daily life intertwine, reveal a country grappling with a much more nuanced and complex divide between personal convictions and the cultural shift over same-sex marriage.
"A lot of people are shaking their heads and saying, 'Why?'" said Mayor Tim McKinney of Berryville, who labels himself a "limpin', yellowdog Democrat."
"The God I know, he lives in everybody."
The religious liberty debate roiling the country has roots in a 1993 bill signed by Arkansas' own President Bill Clinton, long before gay marriage even became a topic. Its supporters included Senator Edward M. Kennedy, a Massachusetts Democrat.
The Religious Freedom Restoration Act required the government to have a serious reason before intruding on someone's religious beliefs and, if it must, to do so in the least restrictive way possible. Its impetus traced back to a man who had been fired from his job for using peyote in a Native American Church ritual.
A Supreme Court ruling four years later determined the law applied only to the federal government, leading 19 states to pass their own rules.
Initial bills passed last month in Arkansas and Indiana made no mention of gays or lesbians, but opponents saw the new laws as a means for conservative Christians to exempt themselves from the country's tilt toward same-sex marriage. The laws' backers insist the legislation was simply meant to protect a wide swath of religious voices.
"This doesn't give a win to anybody; what it does is require a balance," said state Representative Bob Ballinger, a Republican sponsor of the bill whose law office sits in Berryville. It "protects the right to believe what you want to believe."
Ballinger first introduced the religious freedom bill two years ago, and has worked closely with the Arkansas Family Council, an organization that promotes conservative values and opposes gay marriage. Ballinger, whose bill earned him an appearance on CNN, could not name a business that backed it but said in an interview that he has heard from more supporters than dissenters.
The state's top businesses were not among those supporters. Walmart, the world's largest retailer and Arkansas' biggest corporation, attacked the bill on grounds that it threatened to undermine the state's "spirit of inclusion." Acxiom, the state's biggest tech company, also opposed the bill.
Republican governors in both states, faced with increasing backlash nationwide, refused to sign measures passed by their legislatures and asked lawmakers to amend them. The compromise deal hashed out by Arkansas lawmakers excludes actions by businesses. For both states, the laws' ultimate meaning is unclear.
Friction over gay marriage is unavoidable in close-knit Berryville, a small town on the edge of the Ozarks. Here Fox News loops at the local McDonald's and many residents do not support same-sex marriage. Jokes about the gay population in Eureka Springs, 13 miles away, are common.
Cases do exist across the country where devout Christians have been punished in court for refusing to provide professional services — such as photographing a wedding, or providing the cake — for a gay marriage.
Supporters of the law often point to an eastern Washington florist who was sued by the state in 2013 for refusing to provide a wedding arrangement for a longtime gay customer. A state judge ruled in February that she violated Washington's antidiscrimination law and must pay damages.
These instances are rare, but reinforce a fundamental fear among some Christians that religious values will get trampled under the guise of tolerance, a kind of reverse discrimination.
"What is changing is the attitude toward Christianity and with that, the cultural changes are putting us in a position of having to do things we shouldn't have to do," said Larry Montgomery, a former Baptist pastor and semi-retired realtor who rents Ballinger his office across the street. He supports the principles behind the bill.
Montgomery considers homosexuality a choice, and cannot bring himself to condone it. But he welcomes gays into his church, as long as they do not participate in the teachings.
Change is happening fast.
Hundreds of same-sex couples got married in Arkansas last May after a county circuit judge struck down the state's prohibition on gay marriage. The Arkansas Supreme Court quickly suspended the ruling pending an appeal. Justices heard arguments in November but have not issued a ruling. The ban is back in place.
Uncertainty over the state's same-sex marriage ban — and a looming decision by the Supreme Court this summer — have fueled social conservatives' sense of urgency.
"The other side falsely thinks they have won on same-sex marriage," said Brian Brown, president of the National Organization for Marriage, a Washington-based group that promotes traditional unions. "All of their resources are being spent on [killing religious freedom bills], what they deem as the next big threat."
More than the Kings River separates the agricultural community of Berryville from the tourist enclave of Eureka Springs. Winding roads lead to Victorian-style bed-and-breakfasts and restaurants featuring beef carpaccio. Locals call this artsy town "where the misfits fit."
The only city in the state with a domestic partnership registry, it also became the first in February to pass a local ordinance banning gay discrimination.
But it is still Arkansas, and residents feuding over gay rights found themselves on opposite sides of the street one recent Saturday as the third annual Celebrate Jesus Easter Parade kicked off downtown.
Not only did it coincide with Diversity Weekend, tensions flared after organizers uninvited the Methodist congregation that welcomes gays.
"God finally said to me, 'You have to do something!' '' said Laura Nichols, the parade organizer who banned Methodists from marching and supports the new religious freedom law as "better than nothing.''
The Methodists and their supporters set up on the deck of the New Delhi Café, which would later host Diversity Weekend celebrants and feature a burlesque show.
They served popcorn and sold rainbow knickknacks. Mugs on one table read, "I'm So Gay I Can't Even Drink Straight." Signs near the entrance said, "Jesus Loves All." A rainbow-colored human butterfly danced nearby.
On the opposite side of the street, performers stood on stage and alternated between full-throated Gospel music and peppy Christian bluegrass. Four marchers dressed as Jesus, two resurrection caves on flatbed trucks, and countless crosses passed by.
Everyone waved — on both sides of the street.
Nichols, a soft-spoken 76-year-old pastor's wife, passed around a typed statement on Saturday that said she had nothing against the gay community and insisted everyone was welcome to "join in celebrating Jesus."
Before Saturday's evening drum gathering, and even before the Christian music had concluded in the downtown park, one of the Methodist representatives walked up to Nichols.
The women hugged.
Eureka Springs' 67-foot Jesus is visible from the storied 1886 Crescent Hotel, where same-sex unions have taken place in its spacious back gardens. The white mortar statue, its arms outstretched, serves as a marker for the Passion play arena used for performances of Christ's crucifixion since 1968. Down the road at the First Christian Church, the juxtaposition is not lost on Pastor Philip Wilson.
Christ of the Ozarks overlooks the Ozark Mountains in Eureka Springs.Dylan Roberts for The Boston Globe
The religious leader has helped lead a challenge to the town's ordinance banning discrimination against gay residents.
"There's a tension we are trying to settle between the rights of the LGBT community and the rights of the religious community to practice their faith in places larger than a sanctuary," Wilson said. "Somebody has to speak for God in this mess."
Numerous stores along Eureka Springs' main street have placed blue signs in their windows to signal support for the town ordinance banning discrimination against gays.
Lamont Richie-Roberson, a gay Methodist and county quorum court judge, and Eureka Springs city councilman James DeVito finished their drinks on the deck of DeVito's Italian restaurant as a pro-ordinance event concluded. They applauded the turnout, bemoaned the new state religious freedom law, and launched into a history lesson about the town and its inhabitants.
"People are trying to make a point," DeVito said of the ordinance backlash in a town known more for its healing waters. Overall, "I don't see much animosity."
In Berryville, too, hostility is tempered.
Ryan Elkins held his own conversation one sunny afternoon in the local, shoe-sized barber shop. His family owns a restaurant in town and said he did not believe any business should feel forced to serve someone. But he could not recall anyone who had actually refused a paycheck for the cause.
"I don't know why there is a big conflict," he said. "I wouldn't think anything of it."
Jessica Meyers can be reached at jessica.meyers@globe.com. Follow her on Twitter @jessicameyers.


text:
10 Best Neil Young Songs – Acoustic
Will Levith
Neil Young is too prolific for one best-songs list, so we split it into two, as the man himself would probably do it live. There's this set of unplugged, acoustic numbers, and another of plugged-in electric ones. But even narrowing down Young's outpout to two lists is difficult, because he's literally written hundreds of great songs. (He's probably written 10 since we wrote that last sentence.) Even his least-liked, most commercially unsuccessful albums contain one or two enjoyable songs. Sure, he's put out a whole lotta crap, too -- but that's a whole other list. Here are the 10 Best Neil Young Songs (Acoustic).
'I Am a Child'
From 'Last Time Around'
As is the case with 'Sugar Mountain' (see below), 'I Am a Child' is one of the earliest versions of the harmonica-and-acoustic-guitar Neil Young we'd hear fully formed on albums like 'Harvest,' 'After the Gold Rush' and 'Comes a Time.' It's also got that playful, tongue-in-cheek air Young has a knack for writing into his songs -- especially when he's paradoxically trying to be serious. This one is about being a manchild -- young but feelings the impending grips of adulthood -- and that makes it one of Young's most enduring numbers.
'Ambulance Blues'
From 'On the Beach'
You want depressing? Well, you've got it here. It's not at all surprising that there's a song about rain on 1974's 'On the Beach,' because despite the fairly upbeat sound of the opening number, 'Walk On,' the album feels like something that would be on permanent rotation in Oscar the Grouch's trashcan. Young was fed up, regularly drunk and/or stoned, dealing with press pressures and mourning the loss of his friends Danny Whitten and Bruce Berry. This, the last song on the album, is the nail in the coffin. It clocks in at a staggering 8:57, but if you stick around for its entirety, you'll find one of Young's greatest acoustic gems.
'Comes a Time'
From 'Comes a Time'
When people look at Neil Young's career, they'll praise his lead guitar heroics, bendy solos and prodigious use of distortion. They might also cite a few acoustic numbers from 'Harvest' or 'After the Gold Rush,' but true fans know that 'Comes a Time' is absolutely essential. The album's title track is Bakersfield-style country, with swirling fiddles and pitch-perfect harmonies by Nicolette Larson. Check out an amazing live version of the tune on 1979's 'Live Rust.'
'Broken Arrow'
From 'Buffalo Springfield Again'
The song that would appear on the 1967 artistic high-water mark 'Buffalo Springfield Again' is an odd one, to say the least. The lyrics tell of several interconnected stories, one involving a Buffalo Springfield show and its aftermath (complete with screaming fans, a la the Byrds' 'So You Want to Be a Rock 'n' Roll Star'), another (the second verse) centering on a suburban family that includes a son, a brother and their mother. The last verse is a fairy-tale fantasy complete with queen and king. One interpretation is that it's a history of Neil Young's life to that point -- a portrait of a guy who struggled mightily with fame and often shunned the public eye. Young was also known for a look heavily influenced by Native Americans, which might help explain the content of the chorus. Despite it's odd structure and length (the song clocks in at 6:14), it's one of Young's best Springfield cuts. Look out for an early demo of the song, at the time called 'Down, Down, Down,' on Young's 'Archives Vol. 1.'
'Don't Let It Bring You Down'
From 'After the Gold Rush'
If this song seems too underrated or non-commerical for this list, take a good, long, hard listen. Put it on a loop. Where else have you heard an acoustic song move like this one or exude such intensity without any lyrics? Nowhere -- not on any albums of the era, and not on any of Young's other albums. This song is about as close to genius as Young gets in acoustic mode. And it sounds great with electricity, too, as Annie Lennox did a spooky synth-rock cover for the 'American Beauty' soundtrack.
'The Needle and the Damage Done'
From 'Harvest'
Like 'Helpless,' 'The Needle and the Damage Done' is one of Neil Young's deeply personal songs. In the early '70s, Young dealt with the high-profile drug-related deaths of two friends: roadie Bruce Berry and original Crazy Horse guitarist Danny Whitten. This one's part road story, part warning. It's stark and simple in its message: If you do drugs and let them get the better of you, you'll die.
'Harvest Moon'
From 'Harvest Moon'
Neil Young's "follow-up" to 1972 'Harvest' was hailed as a return to form for the aging rocker, proving he still had an XXL-sized sweater's worth of yarns left to spin. The title track, No. 4 on our list of the 10 Best Neil Young Songs (Acoustic), eclipses (no pun intended) anything on 'Harvest' alone (chew on that one for a second). It's got a perfect melody, and the harmonic-hitting accompaniment prior to each verse is highly creative. It's like Neil's mimicking a dulcimer on his guitar neck.
'Helpless'
From 'Déjà Vu'
You can tell that this one -- the near-flawless fourth track on Crosby, Stills, Nash & Young's 1970 album 'Déjà Vu' -- means as much to Neil as it does to his fans. It's written with the care of a songwriter doing his best to pay homage to his home. It's an age-old topic for folkies, but it's hardly ever handled with as much patience and grace as Young shows here. Of course, one of the greatest versions of the song appears in the Band's concert film 'The Last Waltz,' as the group backs up Neil and Joni Mitchell pages the angels from the sidelines.
'Sugar Mountain'
From 'Decade'
No. 2 on our list of the 10 Best Neil Young Songs (Acoustic) -- and maybe 'I Am a Child,' which landed on the last Buffalo Springfield album -- marks the beginning of Young's folkie solo career. The most amazing part of this song may be how young Young was when he wrote it -- just 19. Most likely his own take on the old traditional 'Candy Mountain' (check out an old-timey-sounding version on the 'O Brother, Where Art Thou?' soundtrack), the simple, repeating acoustic number features different fleeting images of a life lived. It's broken into four distinct sections, a bit like 'Broken Arrow,' only way less weird. Originally released as a B-side to 'The Loner' and then included on 'Cinnamon Girl,' 'Sugar Mountain' may be best known for its inclusion on 1977's 'Decade' compilation. It has since been given some context, released as part of a complete 1968 live album recorded at Canterbury House in Ann Arbor, Mich. The history and the sheer strength of the melody make this one for the ages.
'After the Goldrush'
From 'After the Goldrush'
We're calling this "acoustic" even though it's technically a piano ballad. But it's one of Neil Young's finest songwriting moments. It's the title track to an album that began when Young, himself something of a filmmaker was given a screenplay for a movie called 'After the Goldrush,' co-written by 'Quantum Leap' co-star Dean Stockwell. It opened something in Young's mind, and while the movie never saw the light of day, Neil's insanely good album did. Like 'Don't Let It Bring You Down,' 'After the Goldrush' has an immediately memorable melody and lyrics that weave a winding tale in triad form, much like the story structures in 'Broken Arrow' and 'Candy Mountain.' The first verse is a fairy tale. The second is post-apocalyptic. The last might as well be stripped from the pages of an Isaac Asimov sci-fi novel. The song builds and builds and builds but never really has to get loud to say what it needs to. It's one of the loudest soft songs of all time.
Are There Stronger Unplugged Young Tunes?
Is our list of the 10 Best Neil Young Songs (Acoustic) missing your strummy fave? Holler in the comments and set us straight.
Next: 10 Best Neil Young Love Songs
Filed Under: Neil Young
Categories: Lists, Original Features


text:
layout: page
title: Larry Zimmerman's 53rd Birthday
date: 2016-05-24
author: Carol Vang
tags: weekly links, java
status: published
summary: Maecenas sagittis euismod auctor. Duis vestibulum efficitur nunc.
banner: images/banner/leisure-05.jpg
booking:
  startDate: 09/22/2018
  endDate: 09/26/2018
  ctyhocn: CMEMXHX
  groupCode: LZ5B
published: true
---
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text:
import React from 'react';
// import {Provider, connect as reduxConnect} from 'react-redux';
// import {Store} from 'redux';

export const Store = React.createContext({});

// export const withLocalStore = (store: Store) => <P extends object>(WrappedComponent: React.ComponentType<P> | ExplicitAny) =>
//   (props: P) =>
//     <Provider store={store}>
//       <WrappedComponent {...props as P} />
//     </Provider>;
//
// export const connect = reduxConnect;

export const compose = (...funcs: Function[]) => {
  if (funcs.length === 0) {
    // infer the argument type so it is usable in inference down the line
    return (arg: ExplicitAny) => arg
  }

  if (funcs.length === 1) {
    return funcs[0]
  }

  return funcs.reduce((a, b) => (...args: any) => a(b(...args)))
};

/*
// import React from 'react'
import {
  // Provider,
  createStoreHook,
  createDispatchHook,
  createSelectorHook
} from 'react-redux'

const MyContext = React.createContext(null)

// Export your custom hooks if you wish to use them in other files.
export const useStore = createStoreHook(MyContext)
export const useDispatch = createDispatchHook(MyContext)
export const useSelector = createSelectorHook(MyContext)

const myStore = createStore(rootReducer)

export function MyProvider({ children }) {
  return (
    <Provider context={MyContext} store={myStore}>
      {children}
    </Provider>
  )
}
*/


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text:
Select Language English Hrvatski
KiG is archived on DataTresorDisc.
Ivana Skuhala Karasman
Keywords CROTIS Croatia Croatian Cartographic Society GIS INSPIRE NSDI Selce Spatial Data Infrastructure State Archive in Zadar book cadastre cartography database exhibition geoinformation geoinformation system history maps military cartography thematic maps trigonometric network
Croatian Cartographic Society
Home > Vol 17, No 30 (2018) >	Skuhala Karasman
The History of Science and Natural Philosophy among the Croats (with particular reference to the exact sciences) Volume III The Early Modern Period
This volume (The Early Modern Period) is the third part of The History of Science and Natural Philosophy among the Croats (with particular reference to the exact sciences) by academician Žarko Dadić. The first two volumes were The Middle Ages (2015) and The Renaissance (2016). Volume I covered the Middle Ages up to 1526, and Volume II the period from 1526 to the end of the sixteenth century. The third part covers events from 1600 to 1699. According to the author, "the 17th century, though considered part of late medieval times, can also be identified as the Early Modern Age. In philosophical and scientific terms, it was a particular age which differed from the Renaissance and in which the foundations of completely new philosophical and scientific attitudes were laid". (page 8)
The History of Science and Natural Philosophy among the Croats (with particular reference to the exact sciences) Volume III; The Early Modern Period
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Copyright (c) 2019 Ivana Skuhala Karasman
The Kartografija i Geoinformacije (Cartography and Geoinformation) journal publishes scientific and professional papers from cartography and other fields (geography, geodesy, geology, forestry, agronomy, history, architecture, pedagogy ...) if they are related to cartography and geoinformation.
We invite authors of papers or contributions to submit text in English (and Croatian if possible) using this site.
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text:
Sumner & Stillman
MY LADY LUDLOW, and Other Tales;
Gaskell, Mrs. [Elizabeth]
included in "Round the Sofa." London: Sampson Low, Son and Co., 1861. 2 pp ads dated July 1861 (last leaf of final gathering). Original blind-stamped green cloth with spine decorated in gilt.
First English Edition, so titled, of this collection of six short stories (the title one, at 164 pages, really being a novella). Most of these stories first appeared in periodicals such as "Household Words" during the late 1850s, and MY LADY LUDLOW was first published as a book in 1858 by Harper of New York. In 1859 Sampson Low collected the stories in an anonymous two-volume work titled ROUND THE SOFA, with interconnecting frames for each story, and in 1861 this title MY LADY LUDLOW was first issued, acknowledging "Mrs. Gaskell" as the author.
In My Lady Ludlow, Elizabeth Gaskell depicts the waning of aristocratic power and the waxing of professional hegemony in Regency England. Gaskell's representation of the rising professional society is its openness to participation by women, by members of the working class, and by the illegitimately born. Before any of the feminist movements of the nineteenth century had coalesced, Gaskell's novel pointed to the egalitarian implications of professional ideals [Colon].
This copy does not have an ad catalogue in addition to the final one-page ad leaf (see Smith Note 3). This is a bright copy, just about fine (a little foxing on the first few leaves, but essentially no wear). Smith pp 138-142. Item #14470
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text:
Caring for Croydon this Christmas
Issue 1: December 2016 Seamless urgent & emergency care for Croydon Responding to our financial challenges Improving our care for you Caring for C...
Author: Hilda Fitzgerald
There s something for everyone. this Christmas!
Christmas came early this year for
BCG VACCINATION POLICY FOR CROYDON
Shop For Ireland. This Christmas Buy Irish!
Recharge this Christmas at
Caring for your implants
Caring For Your Ferret
"Caring" Activities for December
Caring for Collections
CARING FOR YOUR GOLDFISH
Remember someone special this Christmas
Caring for LGBTQ Patients
Caring for Backyard Chickens
Android Delivers NFC this Christmas
Seeing Prison Walls This Christmas
The perfect gifts for this Christmas at VIPS Shops
Croydon U3A Magazine
Caring for the Ostomy Patient
Caring For Your Baby. Always thinking. Always caring
Issue 1: December 2016
Seamless urgent & emergency care for Croydon
Responding to our financial challenges
Improving our care for you
Caring for Croydon this Christmas No-one likes being ill, particularly at Christmas, but our staff are ready 24 hours a day, 365 days a year, to look after you and we are spreading some festive cheer throughout the Trust. Christmas trees have gone up in the main entrance and the wards, and in the Chapel there is a baby Tree of Memory and Hope, and a Blue Christmas tree for those who wish to remember someone they will miss this Christmas time. Our patient experience team are busy planning Christmas activities including festive film showings and a Christmas tea party for our inpatients. Meanwhile, the Children's Hospital at Home team are holding a festive party for families of children with cancer in the borough. Our Chaplaincy team are holding carol services on Tuesday December 20, on Christmas Eve and on Christmas Day. Our local community is also helping us spread some good cheer. This Page 1
month, footballers from Crystal Palace and their coach visited children on the Rupert Bear Ward and people on our Acute Care of the Elderly unit. In the week before Christmas, a group of carol singers from Age UK will be visiting our wards and a local women's group the Lajna association will be bringing presents for some of our elderly patients.
season, we are also urging people to do all they can to stay well over winter.
On Christmas Day itself, the Salvation Army brass band will be visiting us to play carols for staff, patients and visitors and on the wards and patients will be served a Christmas lunch. As well as helping make it a happy Christmas for those in hospital over the festive
If you need health care over Christmas, choose the right service. You can get advice by calling 111 or using the app ‗Health Help Now'
Stay well this winter Staying warm and hydrated will help your body to fight off colds and other infections.
For more advice visit www.nhs.uk/staywell
Find out all about our services and news at www.croydonhealthservices.nhs.uk
CROYDON HEALTH NEWS
Welcome to our first edition of CHS News We are immensely proud of all of our staff – especially their care and compassion to look after our community throughout Croydon. Our dedicated teams care for people not just in hospital, but at home, in schools and community sites across the borough. We want to share their many successes with you – and also discuss how we are overcoming our challenges to keep on improving. Listening into Action, where we give our staff the tools and support to make positive change in their own services, has delivered a multitude of improvements. One of the biggest challenges that many in our community will relate to is how can we
see people more quickly when they need us. Our groundbreaking Edgecombe Unit, which recently celebrated its first birthday, is a great example of this. Nine out of ten patients would now recommend CHS for the care of their friend or relative. This is something that we are immensely proud of, and we'll keep working to do even better. We must make sure that our standards of care and clinical performance are the best that they can be – every time, all the time, but also achievable within the resources we have available. At its heart, all of our efforts are focused on providing you, our community, with the best care that we can whenever you need it. From
looking after our patients in hospital over Christmas to caring for the victims - and their families – affected by the tragic tram derailment in November, we are always here for you. So, to end, I'd like to thank all of our staff who will be working in hospital and in Croydon over Christmas and I hope that all of our community have a healthy and happy festive period.
Mike Bell, Chairman of Croydon Health Services
Trust pulls together for tram incident victims On 9 November, our community was shocked by the derailment of a tram near Sandilands, and the deaths and injuries that this caused. We cared for 38 wounded people in the hours immediately after the event, and supported many of their families. The response from all of our staff was incredible – our colleagues were calm, professional and unified. Page 2
Our deepest sympathies go out to all those who were personally affected by this tragedy.
We are enormously grateful to all of our staff for providing care for the injured and their families. The Evening Standard published an article and a web video about our response and the incredible team effort involved. Thank you to all who helped Croydon at this very sad time for our community.
Meet the team www.standard.co.uk/ croydon
Tell us your thoughts on this newsletter by emailing us at [email protected]
"Caring for Croydon Together"
Croydon's ―revolutionary‖ Edgecombe Unit Across England, A&E attendances are rising. Croydon University Hospital regularly sees more than 350 people a day at its Emergency Department and on-site Urgent Care Centre. That's very busy – and can mean long waits. Is there another way? Yes! In 2015 the Trust's senior doctors came up with a vision to redesign how emergency care was delivered. The result was the Edgecombe Unit, which opened in November 2015 combining acute elderly care with ‗walk-in' urgent medical assessment and treatment - making them immediately available to people from the moment they arrived at hospital. Appropriate patients are fasttracked to the Edgecombe Unit and its experienced team and within four hours they have a consultant review and a treatment and management plan.
Now one year old, the Edgecombe Unit has cared for more than 20,000 patients. The unit has attracted national attention and was included in the most recent healthcare edition of the Parliamentary Review. From November this year, a new pilot has been launched which means some patients are now being brought straight to the Edgecombe Unit by ambulance, without going via A&E.
Dr Reza Motazed, Edgecombe lead consultant, said: ―We wanted to ensure that patients are cared for in the right place and at the right time and so came up with this new approach, which we believe is the first of its kind in the country. ―In many cases some patients don't need to be in A&E. Now paramedics are able to identify these patients, discuss them with an Edgecombe consultant over the phone and, if appropriate, bring them directly to the Unit. ―We hope it will help to ease pressure on the A&E Department, and allow them to focus on those who do need emergency care. We also hope it will speed up handovers for some patients, so paramedics can get back on the road as quickly as possible to respond to further 999 calls.‖
What our patients are saying
Our 90 year old mother... who suffers from Advanced Alzheimer's was treated with dignity, care and respect.
This is a wonderful unit and a credit to CUH.
I have nothing but praise and gratitude for the staff who looked after me with such care and consideration.
Every day, the unit prevents up to 25 patients being admitted unnecessarily
Connect with us on facebook via our croydonhealthservices page
Trust's financial recovery on track We have undertaken a fundamental review of the Trust's long-standing financial challenges to tighten our budget. Our recovery plan has been carefully developed to reduce costs – without compromising patient care or safety. CHS was one of eight acute trusts to be placed in Financial Special Measures earlier this year, alongside nine Clinical Commissioning Groups, including Croydon CCG. NHS Improvement has set CHS a target to reduce its deficit to £32.8m by March 2017. As well as reducing costs, we must meet national standards for planned and cancer care, along with agreed performance trajectories in
A&E. If we do so, we will qualify for an extra £7.35m of Sustainability and Transformation Funding (STF), which would reduce our deficit to £25.45m. Analysis to October 2016 shows that we are on track to meet this target. Further work is now underway to the Trust back in financial balance within the next three years.
ensure that the actions we take do not reduce the quality, safety or performance of our services. A big part of our financial recovery plan focuses on limiting our use of expensive agency staff by encouraging more of our staff to join the flexible workforce bank. We are also recruiting more substantive staff, and have appointed more than 280 doctors, nurses and therapists over the past three years, despite there being a shortage of trained clinicians across the country.
We will reduce the Trust's long-standing deficit while continuing to care for our We are also doing more to community. deliver more co Every one of the Trust's savings schemes has been scrutinised by the Clinical Cabinet – a group of our most senior clinicians – to
-ordinated care and make sure our purchasing decisions offer the best value for money.
A sustainable NHS in south-west London In November, the Sustainability and Transformation Plan for south-west London was published; this is the NHS's long-term strategic plan for local health services.
the STP does it state that there are any plans to close any hospitals in south-west London.
Clinicians have suggested that we need more clinical The approach is to use existing networking and possibly one funding and resources to build less hospital providing acute our services around the needs services like A&E, obstetrics of local people and investing and specialist paediatrics. more in out-of-hospital services to make it easier to access the right care and support. The details of these plans are still being developed by clinicians and these will be subject to full public consultation, but nowhere in Page 4
Equally, they have not ruled out retaining these services in all five acute hospitals in south west London. Croydon clinicians will be very much involved in the next phase of modelling to ensure that any proposed changes are safe and in the best interests of our patients and community. The STP does not affect the ongoing construction of our new Emergency Department at Croydon University Hospital, which will open in late 2017.
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A day in the life of a Consultant Surgeon You might think surgeons spend all their time in operating theatres. The truth is that surgeons do much more and are there to care for patients before, during and after their treatment. Mr Rhys Thomas, a consultant in Upper Gastrointestinal and General Surgery at the Trust, talks about his typical day. Mr Thomas and his team on the wards
My day starts with a ward round at 8am. My team and I visit the different wards that my patients are on to see how they are. Some will be recovering while some are having tests or are under observation before a procedure.
get them booked in for surgery or, if necessary, extra tests. I also see patients who are recovering, to make sure they are healing well.
I review the notes made by the ward staff and talk to the patients, finding out how they are feeling, answering questions and explaining how their care is going. This is very important – it isn't just to be polite and make sure they are happy, it helps me spot changes to their condition and make sure that I don't miss any new symptoms.
First thing after lunch I meet with the other senior surgeons, nurses, radiographers and pathologists to discuss our more complicated cases. This means patients will have had their cases reviewed by a group of clinicians with around 200 years of expertise between them!
After the ward round I have an outpatient clinic at CUH or down at Purley from about 9.30am. This is where I meet with new patients and discuss their test results and treatment options,
The afternoon will be a ‗list' full of procedures. These are either endoscopies (examination with a camera) or surgery. Our surgical team of
doctors, nurses and care assistants all work together to make sure that patients are treated safely and effective, and are back into the recovery room as quickly as possible.
What is Upper Gastrointestinal surgery?
Upper GI surgery is when doctors perform surgery on the top part of a patient's digestive system, including treatment for gall stones, gall bladder disease and pancreatitis.
Did you know? CUH conducts 26,000 surgical operations every year – that's more than 70 a day!
Have you or your loved one received good care at CHS? Is there a service whose compassion and expertise impressed you? If so, you may wish to consider donating money to the Trust's charitable fund. You can donate to support a specific ward, service, hospital or the Trust as a whole. Any charitable funds are kept entirely separate from operational funds and are not used to pay for day-to-day costs. If you would like to make a donation, details of how to do so are available on the ‗Getting Involved' section of our website at www.croydonhealthservices.nhs.uk. Tell our PALS team about your experiences of our services by emailing [email protected]
Creating the best emergency and urgent care Making sure our A&E patients receive the highest-quality care is why we are building a new £21.25 million Emergency Department at Croydon University Hospital. As part of this, our Children's ED team want the new facility to be welcoming and calming as possible for those who need our care. Coming to hospital can be stressful for children, especially if they are in need of urgent or emergency care. So our team believe that creating a space that is calming and can help distract children while they are being cared for will really help, particularly for children with additional needs. As well as buying interactive play equipment, the team also want to create a sensory treatment room, filled with soft lighting, bubble tubes and projectors to help reduce any anxiety in our young patients. To raise money for this additional equipment, a team of around 20 nurses, managers and other staff embarked on a 23.5 mile walk across London to raise money. Despite some torrential rain and a lot of very sore feet, the team completed the full route between paediatric intensive
care facilities in South London and so far have raised more than £6,100. The team have more activities planned over coming months to help them reach their overall fundraising target of £10k.
something to distract them while we look after them and provide the care they need.
Sarah Mclaggan, Matron in the Paediatric Emergency Department at CUH, said:
If you would like to give money to the appeal, visit www.justgiving.com/ crowdfunding/ croydonchildrensed
―It can make a huge difference if a child has
―This is a once-in-a-lifetime opportunity to make a space which is welcoming and meets the need of local children and their families.‖
New alliance to provide seamless urgent care A new team of local GPs working alongside hospital doctors and nurses at CHS, has been chosen by Croydon Clinical Commissioning Group to run a new network of urgent care services across the borough from April 2017. This will make it easier for people of all ages in Croydon to Page 6
access the right care, in the right care setting, first time and deliver more seamless urgent and emergency care.
Croydon's'GP Hubs' will be open from 8am to 8pm, 7 days a week
Services include the Urgent Care Centre at Croydon University Hospital as well as GP-led Hubs across the borough, combining care for minor injuries and minor illnesses. The Croydon Urgent Care Alliance includes: CHS with the Croydon GP Collaborative and AT Medics.
Give us feedback on our care via the NHS Choices website
Providing the best care for patients with cancer Latest published figures show that CHS has met all cancer targets, even seeing many urgent cancer referrals within a week— half the national expected waiting time! Our cancer team are working hard to ensure we always do the best for our patients. Published data for July, August and September show that CHS met all cancer waiting time targets. The Trust was also top in London (September) for Croydon patients beginning their first cancer treatment within two months of being urgently referred by their GP (62 day standard). For urgent referrals for suspected cancer, we are even managing to see 40 per cent of cases within seven days – half the time specified in national standards.
Cancer performance in Croydon Over the last three months: 96.8 to 99% of patients referred with suspected cancer were seen within 14 days – above the national standard of 93%; 96 to 100% of those diagnosed with cancer started treatment within 31 days; 88 to 100% of people with cancer were treated within 62 days of their initial urgent referral by a GP; at 94.6% - the best in London – in September 2016. The national standard is 85%.
After treatment, please fill out an Friends and Family Test card to give your views on our services
Listening into Action to constantly improve our care CHS was one of the first trusts in the country to adopt Listening into Action (LiA) four years ago. Listening to our staff, we can support them in making the changes they want to see. For the second year running, CHS has received Listening into Action (LiA) accreditation for empowering staff to make demonstrable improvements in our care for patients, and make the Trust a better place
to work. Our focus is improving the quality and safety of our care through a valued and empowered workforce. We have seen a ―fundamental shift‖ in our quality of care, culture and performance.
Want to find out more about LiA at Croydon? Our case study on how we have engaged staff and motivated them to improve care through LiA is available here in the blog section of the Listening into Action website.
Our 2016 initiatives include: Sharing best practice and knowledge from one team to the next, and ensure the Trust acts on lessons learned when our care can be improved. Our Adult Community Therapy team are working together to develop more personcentred care that helps people to stay well with greater access to support at home and services out-of-hospital.
Strengthening the consent process that all staff must follow for vulnerable patients who are unable to make their own decisions about their care.
Reducing the use of catheters in hospital by more than 40% to tackle catheterassociated infections.
Improving continuity of care for Croydon mums with named midwives in charge of their care. Raising the profiles of the ‗Modern Matron' across the Trust as role models for nursing leadership and champions for the highest-standards of care Closer working with our partners to provide more joined-up care and support for patients who have mental health issues. Page 8
If you receive a survey by post asking you about our care, please do fill it in
Not just any patient - ‗This is Me' We take pride in providing high quality care for all of our patients. Supporting those with dementia is particularly challenging but our staff have come up with a new way to reassure these patients and their families. Without their established routines and familiar surroundings of home, the hospital can be a bewildering and frightening place for people with dementia. We are working on a solution to help make our hospital a more reassuring place.
One of our elderly care wards (Queens 3) have worked with the Workforce Development team to pilot the ‗This is Me' Patient Passport system, to enhance care for all patients with a formal diagnosis of dementia. ‗This is Me' contains important information on what works best when a person is anxious or upset, can help in both the engagement of our patients and help reduce distress which is often experienced by people with dementia.
The passport can also reassure family members that all efforts are being made to care for their loved ones . We want everyone to have the best experience possible and initiatives such as these really make a difference to our patients' stay while in hospital.
Improving your experience of care in hospital We are always striving to improve the experience of people who are in our care. Our Patient Experience team continuously monitors patient feedback from the Friends and Family Test, national patient surveys, comments to the Trust's Patient Advice and Liaison Service (PALs), online comments and a variety of other sources. Recently we have launched two new schemes: Our ‗Mystery Shopper' programme calls for volunteers to visit services as part of a coordinated process to see how they work on a day-to-day basis, talk to patients about their experiences and report back about what is working well and what could be improved. Lunch Club is a new initiative suggested by our fantastic volunteers, one of whom is profiled on the next page. For many older patients, being in hospital can be a lonely experience, particularly if they have few visitors. The Lunch Club, which takes place
on Monday and Tuesday lunchtimes, is an opportunity for older patients to socialise and eat together in the Trust's Oasis Restaurant. Our patients have told us how much they enjoyed interacting with others away from the ward. The team are now looking to expand the Lunch Club across other departments.
In the words of our patients and service users... ―You made me feel at ease and explained everything to me so well.‖ ―We have been especially impressed with the professionalism of the staff and cleanliness of the wards.‖ ―You were fantastic and a great help and we can't thank you enough.‖ ―In all my visits to the hospital all the staff went above the call of duty to attend to all patients on the ward in a highly
Rate our services via the website www.patientopinion.org.uk
A big thank you to all our volunteers We were honoured to host our annual volunteers Christmas dinner on 6 December to thank our incredible team for all of their efforts throughout year.
specially arranged singer and have a chance to win prizes in the free raffle. Trust executives Michael Burden and Michael Fanning also took the time to pop in and thank the volunteers personally.
More than 115 of our volunteers were able to attend the three-course dinner in the Oasis restaurant, listen to the
Volunteer manager Jane Spayne said: ―Our 360 volunteers provide a valuable service to the
Trust all year round at main reception, on our wards and in our offices. Some of them even come in to support A&E on Christmas. It is a privilege to show them our appreciation.‖
If you would like to volunteer at the Trust , please email Jane at [email protected]
What's next at CHS
Don't worry – be appy! Two new health apps have recently been launched in Croydon by our partners. The first, ‗Health Help Now Croydon', is a free NHS app from Croydon Clinical Commissioning Group which Croydon and Sutton residents can download here and use to find the most appropriate treatment for their condition at a touch of a button.
20 December—Trust Carol Service, 1pm, St Barnabas Chapel, Croydon University Hospital
The second, also by Croydon CCG in partnership with Croydon Council, is a healthy living app which can give you a ‗health MOT', as well as provide useful information and links to help get health. Download it for free here. The Healthwatch Croydon Forum is ‗the eyes and ears of Croydon,' welcoming people from all age groups and backgrounds to give their views on local health and care services. The next Forum is taking place on Tuesday 7th February 2017, 11am-2pm at Mind in Croydon, 10 Altyre Road, East Croydon. For more details, check www.healthwatchcroydon.co.uk The Asian Resource Centre Croydon are having their annual dinner and fundraiser on Thursday 5 January 2017, 7pm-10pm at Chak89 in Mitcham. Tickets for the 5 course meal are just £25 each; email [email protected] or call 020 8684 3784 to register your interest.
11 January— Crystal Children's Development Centre reopens on new site in Addiscombe 1 February—Trust Board Meeting, 9.30am-12.30pm, Shirley House, Croydon University Hospital 22 February— Listening into Action Patient and Stakeholder Conversation, 5pm-7.30pm, Oasis Restaurant, Croydon University Hospital
Tell us what you think Tweet us @croydonhealth Talk to us via www.facebook.com/ croydonhealthservices Find us at www.croydonhealthservices.nhs.uk Share your views on NHS Choices www.nhs.uk or Patient Opinion www.patientopinion.org.uk
Connect with "Croydon Health Services NHS Trust" on LinkedIn
Report "Caring for Croydon this Christmas"


Why is Kyoto so popular for tourists?
Kyoto is one of the most important city in Japan. I will tell you about Kyoto.
1 Why is Kyoto so popular for tourists?
Kyoto was the capital of Japan and home of the Emperor for over 1000 years. This city is full of tourist attractions, of which many are designated as World Heritage Sites. Over the centuries, Kyoto suffered destruction due to many wars and fires. However, because of its historic value, the city was dropped from the list of target cities for the atomic bomb and spared from air raids during WWⅡ. As a result, countless old temples, shrines and other historically priceless structures remain preserved in the city today.
Kyoto was the capital of Japan for more than 1000 years after 794. Thirteen temples, three shrines and the Nijo Castle are all registered as World Heritage Sites.
The most memorable for visiting is Kinkakuji or Golden Pavilion, originally constructed in 1224. Its stunning image embossed with gold leaf and reflected in the pond is indescribable. The famous novel kinkakuji by Yukio Mishima is based on the incident in 1950 when a young monk obsessed by the temple's beauty, set fire to it and burnt it down.
Kiyomizu temple is built out over a cliff and is famous for its wide veranda and tall wooden pillars. Temple is also well known for the idiom "jumping from the veranda of Kiyomizu Temple" which meas they are about to undertake some particularly bold or daring adventure.
Kyoto is located in the valley part of the Yamashiro Basin in the eastern part of the mountainous region known as the Tamba highlands. The Yamashiro Basin is surrounded on three sides by mountains known as Higashiyama and Nishiyama, with a height just above 1000meters above sea level.
There are three rivers in the basin, the Ujigawa to the south, the Katsuragawa to the west, and the Kamogawa to the east.
Kyoto has a humid subtropical climate, featuring a marked seasonal variation in temperature and precipitation.
Summers are hot and humid, though contrarily, winters are relatively cold with occasional snowfall.
Kyoto's rain season begins around the middle of June and lasts until the end of July, yielding to a hot and sunny latter half of the summer.
Kyoto, along with most of the Pacific coast and central area of Japan is prone to typhoons during September and October.
Kyoto was the capital of Japan and home of the Emperor for over 1000 years. This city is full of tourist attractions, of which many are designated as World Heritage Sites.
Kyoto is located in the valley part of the Yamashiro Basin in the eastern part of the mountainous region known as the Tamba highlands.
The 5 Best Vegetarian Restaurants in Kyoto Ninja restaurant in Kyoto!! How to Get Taxi in Kyoto 7 Things About Kyoto Your Boss Wants To Know 10 most recommended grilled beef restaurants in Kyoto A secret spot with an amazing view of autumn leaves in Kyoto: Shouji Temple (勝持寺)! The temple with the perfect seasonal beauty in Kyoto ― Enkoji Temple(圓光寺)! Must-see spots in refurbished Kyoto City Zoo!


Srimanta Sankaradeva University of Health Sciences, Guwahati, Assam, India is established in 2009 as per Act "The Srimanta Sankaradeva University of Health Sciences, Act, 2007". The Srimanta Sankaradeva University of Health Sciences is the only Health University in the North Eastern Region with its jurisdiction to the whole of Assam. The University is located in Gauhati Medical College Building (2nd Floor) at Narakasur Hill Top, Bhangagarh, Guwahati-32. As the University is located in Guwahati, it is well connected by Air, Rail and Surface Transport.
This page was last modified on 29 June 2016 at 14:06.


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Halah Alhamrani – Flagboxing
Halah Alhamrani is the first female kickboxing and boxing trainer in Saudi Arabia, residing in Jeddah. She has 28 years of experience practicing all styles of Martial Arts including Japanese Jiu Jitsu, Muay Thai, Boxing and kickboxing, with certifications in both CrossFit (level 2) and Calisthenics (level 1) She runs her own private gym in Jeddah called "Flagboxing". "Flagboxing", which stands for Fight Like A Girl Boxing, is the first female boxing/kickboxing gym in Saudi Arabia. By creating the gym, Halah is not only encouraging women within the Kingdom to be more active and engaged, but also teaching them to be persevering to reach their goals. After graduating from high school in Jeddah, she moved to San Diego, where she majored in environmental studies and minored in international relations. Halah grew up with a tremendous support from her family and recognizes the importance of strong female role models in a girl's life.
Halah has attended various workshops around the world with some of the biggest names in the fitness industry including, Ido Portal, Yuval Ayalon, Steve Maxwell, Einar Svinland, Jon Yuen and Kenneth Gallarzo.


With another year over and a new one set to begin, we reflect back on 2018 and consider those things of note now relegated to the history books.
In no particular order, these are the stories deemed the top 10 covered by the Naperville Sun over the past year.
Naperville lost its longest serving mayor, George Pradel, when he died Sept. 4, just one day short of his 81st birthday.


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How gov't aims to protect low-income users of 'payday' loans
By Josh Boak / The Associated Press
Thursday, March 26th, 2015 at 9:11am
The Consumer Financial Protection Bureau is headquartered in the former Office of Thrift Supervision building in Washington, D.C.
WASHINGTON — Each month, more than 200,000 needy U.S. households take out what's advertised as a brief loan.
Many have run out of money between paychecks. So they obtain a "payday" loan to tide them over. Problem is, such loans can often bury them in fees and debts. Their bank accounts can be closed, their cars repossessed.
The Consumer Financial Protection Bureau proposed rules Thursday to protect Americans from stumbling into what it calls a "debt trap." At the heart of the plan is a requirement that payday lenders verify borrowers' incomes before approving a loan.
The government is seeking to set standards for a multibillion-dollar industry that has historically been regulated only at the state level.
"The idea is pretty common sense: If you lend out money, you should first make sure that the borrower can afford to pay it back," President Barack Obama said in remarks prepared for a speech in Birmingham, Alabama. "But if you're making that profit by trapping hard-working Americans in a vicious cycle of debt, then you need to find a new way of doing business."
The payday industry warns that if the rules are enacted, many impoverished Americans would lose access to any credit. The industry says the CFPB should further study the needs of borrowers before setting additional rules.
"The bureau is looking at things through the lens of one-size-fits-all," argued Dennis Shaul, chief executive of the Community Financial Services Association of America, a trade group for companies that offer small-dollar short-term loans or payday advances.
But that lens also reveals some troubling pictures.
Wynette Pleas of Oakland, California, says she endured a nightmare after taking out a payday loan in late 2012. A 44-year-old mother of three, including a blind son, Pleas borrowed $255 to buy groceries and pay the electricity bill.
But as a part-time nursing assistant, she worked only limited hours. Pleas told her lender she'd be unable to meet the loan's two-week deadline. The lender then tried to withdraw the repayment straight from her bank account even though Pleas lacked the funds. The result: A $35 overdraft fee and a bounced check.
After the incident was repeated five more times, Pleas said the bank closed her account.
Collection agencies began phoning Pleas and her family. About six months ago, she learned that the $255 loan had ballooned to a debt of $8,400. At that point, she faced the possibility of jail.
"It's not even worth it," said Pleas, who is trying to rebuild her finances and her life.
Roughly 2.5 million households received a payday loan in 2013, according to an analysis of Census data by the Urban Institute, a Washington-based think tank. The number of households with such loans has surged 19 percent since 2011, even as the U.S. economy has healed from the Great Recession and hiring has steadily improved.
"These are predatory loan products," said Greg Mills, a senior fellow at the Urban Institute. "They rely on the inability of people to pay them off to generate fees and profits for the providers."
The rules would apply not only to payday loans but also to vehicle title loans — in which a car is used as collateral — and other forms of high-cost lending. Before extending a loan due within 45 days, lenders would have to ensure that borrowers could repay the entire debt on schedule. Incomes, borrowing history and other financial obligations would need to be checked to show that borrowers were unlikely to default or roll over the loan.
In general, there would be a 60-day "cooling off period" between loans. And lenders would have to provide "affordable repayment options." Loans couldn't exceed $500, impose multiple finance charges or require a car as collateral.
The CFPB also proposed similar rules to regulate longer-term, high-cost loans with payback terms ranging between 45 days and six months. The proposals would cap either interest rates or repayments as a share of income.
All the rules will be reviewed by a panel of small business representatives and other stakeholders before the bureau revises the proposals for public comments and then finalizes them.
The proposals follow a 2013 CFPB analysis of payday lending. For an average $392 loan that lasts slightly more than two weeks, borrowers were paying in fees the equivalent of a 339 percent annual interest rate, according to the report.
The median borrower earned under $23,000 — beneath the poverty line for a family of four — and 80 percent of the loans were rolled over or renewed, causing the fees to further build. Over 12 months, nearly half of payday borrowers had more than 10 transactions, meaning they either had rolled over existing loans or had borrowed again.
"They end up trapping people in longer-term debt," said Gary Kalman, executive vice president at the nonprofit Center for Responsible Lending.
Several states have tried to curb payday lending. Washington and Delaware limit how many loans a borrower can take out each year, according to a report by the Center for Responsible Lending. Arizona and Montana have capped annual interest rates.
But other states have looser oversight. In Texas, payday companies filed 1,500 complaints against borrowers to collect money between 2012 and mid-2014, according to Texas Appleseed, a social justice nonprofit.
Industry representatives say states are better able to regulate the loans, ensuring that consumers can be protected while lenders can also experiment with new products.
"We believe the states are doing a good job regulating the industry," said Ed D'Alessio, executive director at the Financial Service Centers of America. "They come at it with a standard where the laws governing the industry have made it through the legislative process."
Associated Press writer Nedra Pickler contributed to this report from Birmingham, Alabama.