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Kevin M. Carter Clear filter
Balancing security and performance for agility in dynamic threat environments
Michael L. Winterrose
Kevin M. Carter
Neal Wagner
46th IEEE/IFIP Int. Conf. on Dependable Systems and Networks, DSN 2016, 28 June - 1 July 2016.
In cyber security, achieving the desired balance between system security and system performance in dynamic threat environments is a long-standing open challenge for cyber defenders. Typically an increase in system security comes at the price of decreased system performance, and vice versa, easily resulting in systems that are misaligned to operator specified requirements for system security and performance as the threat environment evolves. We develop an online, reinforcement learning based methodology to automatically discover and maintain desired operating postures in security-performance space even as the threat environment changes. We demonstrate the utility of our approach and discover parameters enabling an agile response to a dynamic adversary in a simulated security game involving prototype cyber moving target defenses.
In cyber security, achieving the desired balance between system security and system performance in dynamic threat environments is a long-standing open challenge for cyber defenders. Typically an increase in system security comes at the price of decreased system performance, and vice versa, easily resulting in systems that are misaligned to...
Quantitative evaluation of dynamic platform techniques as a defensive mechanism
Hamed Okhravi
James F. Riordan
RAID 2014: 17th Int. Symp. on Research in Attacks, Intrusions, and Defenses, 17-19 September 2014.
systems analysis
Cyber defenses based on dynamic platform techniques have been proposed as a way to make systems more resilient to attacks. These defenses change the properties of the platforms in order to make attacks more complicated. Unfortunately, little work has been done on measuring the effectiveness of these defenses. In this work, we first measure the protection provided by a dynamic platform technique on a testbed. The counter-intuitive results obtained from the testbed guide us in identifying and quantifying the major effects contributing to the protection in such a system. Based on the abstract effects, we develop a generalized model of dynamic platform techniques which can be used to quantify their effectiveness. To verify and validate out results, we simulate the generalized model and show that the testbed measurements and the simulations match with small amount of error. Finally, we enumerate a number of lessons learned in our work which can be applied to quantitative evaluation of other defensive techniques.
Cyber defenses based on dynamic platform techniques have been proposed as a way to make systems more resilient to attacks. These defenses change the properties of the platforms in order to make attacks more complicated. Unfortunately, little work has been done on measuring the effectiveness of these defenses. In this...
Adaptive attacker strategy development against moving target cyber defenses
Proc. MODSIM World, May 2014.
A model of strategy formulation is used to study how an adaptive attacker learns to overcome a moving target cyber defense. The attacker-defender interaction is modeled as a game in which a defender deploys a temporal platform migration defense. Against this defense, a population of attackers develop strategies specifying the temporal ordering of resource investments that bring targeted zero-day exploits into existence. Attacker response to two defender temporal platform migration scheduling policies are examined. In the first defender scheduling policy, the defender selects the active platform in each match uniformly at random from a pool of available platforms. In the second policy the defender schedules each successive platform to maximize the diversity of the source code presented to the attacker. Adaptive attacker response strategies are modeled by finite state machine (FSM) constructs that evolve during simulated play against defender strategies via an evolutionary algorithm. It is demonstrated that the attacker learns to invest heavily in exploit creation for the platform with the least similarity to other platforms when faced with a diversity defense, while avoiding investment in exploits for this least similar platform when facing a randomization defense. Additionally, it is demonstrated that the diversity-maximizing defense is superior for shorter duration attacker-defender engagements, but performs sub-optimally in extended attacker-defender interactions.
A model of strategy formulation is used to study how an adaptive attacker learns to overcome a moving target cyber defense. The attacker-defender interaction is modeled as a game in which a defender deploys a temporal platform migration defense. Against this defense, a population of attackers develop strategies specifying the...
Strategic evolution of adversaries against temporal platform diversity active cyber defenses
2014 Spring Simulation Multi-Confernece, SpringSim 2014, 13-16 April 2014.
Adversarial dynamics are a critical facet within the cyber security domain, in which there exists a co-evolution between attackers and defenders in any given threat scenario. While defenders leverage capabilities to minimize the potential impact of an attack, the adversary is simultaneously developing countermeasures to the observed defenses. In this study, we develop a set of tools to model the adaptive strategy formulation of an intelligent actor against an active cyber defensive system. We encode strategies as binary chromosomes representing finite state machines that evolve according to Holland's genetic algorithm. We study the strategic considerations including overall actor reward balanced against the complexity of the determined strategies. We present a series of simulation results demonstrating the ability to automatically search a large strategy space for optimal resultant fitness against a variety of counter-strategies.
Adversarial dynamics are a critical facet within the cyber security domain, in which there exists a co-evolution between attackers and defenders in any given threat scenario. While defenders leverage capabilities to minimize the potential impact of an attack, the adversary is simultaneously developing countermeasures to the observed defenses. In this...
Probabilistic threat propagation for malicious activity detection
Nwokedi C. Idika
Proc. IEEE Int. Conf. on Acoustics, Speech and Signal Processing, ICASSP, 25-31 May 2013.
In this paper, we present a method for detecting malicious activity within networks of interest. We leverage prior community detection work by propagating threat probabilities across graph nodes, given an initial set of known malicious nodes. We enhance prior work by employing constraints which remove the adverse effect of cyclic propagation that is a byproduct of current methods. We demonstrate the effectiveness of Probabilistic Threat Propagation on the task of detecting malicious web destinations.
In this paper, we present a method for detecting malicious activity within networks of interest. We leverage prior community detection work by propagating threat probabilities across graph nodes, given an initial set of known malicious nodes. We enhance prior work by employing constraints which remove the adverse effect of cyclic...
An Expectation Maximization Approach to Detecting Compromised Remote Access Accounts(267.16 KB)
Kevin C. Gold
Benjamin W. Priest
Proceedings of FLAIRS 2013, St. Pete Beach, Fla.
Just as credit-card companies are able to detect aberrant transactions on a customer's credit card, it would be useful to have methods that could automatically detect when a user's login credentials for Virtual Private Network (VPN) access have been compromised. We present here a novel method for detecting that a VPN account has been compromised, in a manner that bootstraps a model of the second unauthorized user.
Just as credit-card companies are able to detect aberrant transactions on a customer's credit card, it would be useful to have methods that could automatically detect when a user's login credentials for Virtual Private Network (VPN) access have been compromised. We present here a novel method for detecting that a...
An Expectation Maximization Approach to Detecting Compromised Remote Access Accounts
Probabilistic reasoning for streaming anomaly detection
2012 SSP: 2012 IEEE Statistical Signal Processing Workshop, 5-8 August 2012, pp. 377-380.
intrusion detection & monitoring
In many applications it is necessary to determine whether an observation from an incoming high-volume data stream matches expectations or is anomalous. A common method for performing this task is to use an Exponentially Weighted Moving Average (EWMA), which smooths out the minor variations of the data stream. While EWMA is efficient at processing high-rate streams, it can be very volatile to abrupt transient changes in the data, losing utility for appropriately detecting anomalies. In this paper we present a probabilistic approach to EWMA which dynamically adapts the weighting based on the observation probability. This results in robustness to data anomalies yet quick adaptability to distributional data shifts.
In many applications it is necessary to determine whether an observation from an incoming high-volume data stream matches expectations or is anomalous. A common method for performing this task is to use an Exponentially Weighted Moving Average (EWMA), which smooths out the minor variations of the data stream. While EWMA...
Temporally oblivious anomaly detection on large networks using functional peers
Stephen W. Boyer
IMC'10, Proc. of the ACM SIGCOMM Internet Measurement Conf., 1 November 2010, pp. 465-471.
Previous methods of network anomaly detection have focused on defining a temporal model of what is "normal," and flagging the "abnormal" activity that does not fit into this pre-trained construct. When monitoring traffic to and from IP addresses on a large network, this problem can become computationally complex, and potentially intractable, as a state model must be maintained for each address. In this paper, we present a method of detecting anomalous network activity without providing any historical context. By exploiting the size of the network along with the minimal overhead of NetFlow data, we are able to model groups of hosts performing similar functions to discover anomalous behavior. As a collection, these anomalies can be further described with a few high-level characterizations and we provide a means for creating and labeling these categories. We demonstrate our method on a very large-scale network consisting of 30 million unique addresses, focusing specifically on traffic related to web servers.
Previous methods of network anomaly detection have focused on defining a temporal model of what is "normal," and flagging the "abnormal" activity that does not fit into this pre-trained construct. When monitoring traffic to and from IP addresses on a large network, this problem can become computationally complex, and potentially...


I hope all is well. It has been a while since I updated this site. I am sorry and I have been burnt out. The 2018 Christmas display show physically and emotionally took everything out of me . During 2018 I spent countless hours in the development and technical aspects of the display. Between challenging weather and technical problems I became overwhelmed.... and by the time I took the display down I was spent.
I have been trying to relax and have been thinking about what I want to do or not do for 2019. I know the display has become a tradition and joy for so many people and that touches my heart. I also know I can't habitually burn myself out or I will not be able to physically be able to continue to provide this display. I am trying to make sure I take good care of myself. I hope that you will keep me in your prayers as I try to figure this out.
Enclosed are pictures and video of the 2018 Making Spirits Bright Christmas Display I hope you enjoy them.
For all of those that have never been to our website WELCOME to Making Spirits Bright home of the Stepp Christmas Display Show located in the city of Hilliard in Columbus, Ohio. This is an annual event where lights and music are choreographed with Christmas scenes . Our hopes is to create a wonderful Christmas memory for you and your loved ones.
Our display features video, a nativity scene, flying Santa and his reindeer, a mailbox that your children can send their precious letters to St. Nick, a talking reindeer, a virtual Santa , an animated Lazarus/Macy's window scene where a toymaker falls asleep and 15 of his toys come to life. We also have a computerized Christmas Pixel tree that until you see it in action you can not explain the beauty of it.
Our display features over 40 songs where lights "sway"to music" through computer -controlled programming. The music is piped outside into our yard and is also broadcast over an FM frequency so you can stand outside and experience the display or watch the show in the warmth of your car.
This "light show" concept was first introduced to our display in 2011. For 2018 we will use over 300 computer controlled lighting circuits, including Light-O-Rama protocols to animate the display to music and DMX protocul to control thousands of pixel lights.
Please feel free to browse our website and visit us at our facebook page at Bill Stepp Making Spirits Bright for updates for our show for the Christmas season 2018.


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Tuesday, 1 March 2016, 2:30PM - 2:45PM
Barnard's Inn Hall
Long Finance Spring Conference Introduction - Damning Discount Rates
Alderman Professor Michael Mainelli
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THE LONG FINANCE SPRING CONFERENCE
Discounted Cash Flow (DCF) and Net Present Value (NPV) analyses have long been part of the financial analyst's toolbox. By deciding on a discount rate and using that discount rate in some exponential equations it can be argued that future generations will be richer than us, so we can spend wantonly now. Or that something expensive is really quite cheap if we make a very small change in the discount rate.
This conference will examine the implications of discount rates on society's long-term decisions such as health, education, infrastructure, and the environment.
Supported by the Z-Yen Group
Alderman Professor Michael Mainelli is Emeritus Mercers' School Memorial Professor of Commerce at Gresham College, having held the chair from 2005 to 2009. His first degree was in Government from Harvard, followed by mathematics and engineering studies at Trinity College Dublin and a PhD from the London School of Economics in chaotic systems, where he was also a Visiting Professor.
Professor Mainelli is Executive Chairman of Z/Yen, the City of London's leading commercial think-tank and venture firm, which he co-founded in 1994 to promote societal advance through better finance and technology. A qualified accountant (FCCA), securities professional (FCSI), computer specialist (FBCS) and management consultant (FIC), Michael began his career as a research scientist in aerospace (rockets) and computing (architecture & mapping). He later became a senior partner with accountants BDO Binder Hamlyn directing global consulting projects. During the 1990s he worked for the UK Ministry of Defence as Corporate Development Director for Europe's then largest R&D firm, the Defence Evaluation & Research Agency leading to two privatisations. Career highlights include directing Z/Yen's Long Finance initiative with Gresham College and the City of London Corporation asking "when would we know our financial system is working?" as well as creating the Global Financial Centres Index, Global Intellectual Property Index, London Accord and Farsight Award. Michael also conceived and produced the first complete digital map of the world in 1983, Mundocart (a 1980's Google Earth), and the $20 million Geodat consortium cartography project.
Michael is non-executive Director of the United Kingdom Accreditation Service (UK's national body for standards and laboratories), AIM-listed Sirius Minerals plc (potash mining), AIM-listed Wishbone Gold Plc; Alderman for Broad Street Ward (elected) at the City of London Corporation; Almoner for Christ's Hospital School; Trustee of International Fund for Animal Welfare. Michael has held numerous advisory posts, for example with Hitachi UK, City University and HM Treasury. Michael won a 1996 UK Foresight Challenge award for the Financial Laboratory, 2003 UK Smart Award for prediction software, 2005 British Computer Society Director of the Year, 2011 Technology Strategy Board Challenge Award for financial avatars, and was awarded Gentiluomo of the Associazione Cavalieri di San Silvestro in 2011. Michael is a Liveryman, Worshipful Company of World Traders, Freeman, Watermen & Lightermen, and represents the Financial Services Group of Livery Companies.
Michael has published over 40 journal articles, 150 commercial articles and four books. Michael's humorous risk/reward management novel, Clean Business Cuisine: Now and Z/Yen, written with Ian Harris, was a Sunday Times Book of the Week in 2000; Accountancy Age described it as "surprisingly funny considering it is written by a couple of accountants". Their third co-authored book, The Price of Fish: A New Approach to Wicked Economics and Better Decisions, based on his Gresham lectures, won the 2012 Independent Publisher Book Awards Finance, Investment & Economics Gold Prize. Michael plays bagpipes, loves skiing and sailing and, with his wife, Elisabeth, he races and restores the 1923 Thames Sailing Barge Lady Daphne and sits on the world's oldest sailing racing body, the Thames Match Committee. With an international family, Michael speaks English, German, French and Italian poorly, but even worse Spanish and Chinese.
To access all of Professor Mainelli's previous Gresham College lectures, please click here.
Extra Lecture Materials
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This is part of the conference: Are you Interested or Discounted? Long-Term Social Finance, Long Finance Spring Conference
Finance Business City business Business ethics Philosophy of business
Are you Interested or Discounted?
Long–Term Social Finance
Professor Alderman Michael Mainelli
Good afternoon Ladies & Gentlemen, and welcome to the Long Finance 2016 Conference.
Discounted Cash Flow (DCF) and Net Present Value (NPV) analyses have long been part of the financial analyst's toolbox. By deciding on a discount rate and using that discount rate in some exponential equations it can be argued that future generations will be richer than us, so we can spend wantonly now. Or that something expensive is really quite cheap if we make a very small change in the discount rate. This conference will examine the implications of discount rates on society's long-term decisions such as health, education, infrastructure, and the environment.
All around us in the UK, we find ourselves relying on Victorian infrastructure for water, sewage, roads, ports and railways. Paraphrasing the "Life of Brian" (1979) film joke, "what have the Victorians ever done for us?" In London, more than half of the water mains are more than 100 years old, and around a third are over 150 years old. So what's been going on the past 100 years? In fact, Thames Water, the London water company, even implies that the Victorians are at fault – "London's Victorian water works need to be modernised".
Water supplies may seem boring, but don't forget that sewage and clean water are all that separate us from cholera or typhoid. Because of our ignorance of Victorian efforts, the water privatisations of the late 1980's were problematic. Years and years of repairs under the intervening public sector system, where the asset values were irrelevant, had led to decades and decades of not bothering to record asset changes. This led to situations where contemporary observers were unable to find the assets, such as an added sewer or new valve, or to discover that things didn't flow as you'd think. In one case I remember, we could only find 40% of the pumping, valves and piping during a random sample of the asset base for one water company. So what was being privatised? Quite a few customers and a lot of hope that the Victorians built things properly in the first place.
One of the hardest things for the Victorians to avoid was over-engineering. Over-engineering is when something is designed to last longer or in worse circumstances than is needed. Planned obsolescence from an engineering perspective is when everything fails at once. Consider an automobile. We would like the engine, social acceptance of the interior, the periodic cycle of the tyre replacements and everything else to collapse at a specific time. Nothing is wasted. The car fails when everything coincides with its own obsolescence. The ultimate engineer would plan that everything collapsed at some specific point on the odometer, say 150,000 miles. In the ideal situation, the fuel tank would be empty and the car would coast into the scrapyard.
If so many things they build lasted too long, were the Victorians engineering idiots? The Victorians stole from themselves to bequeath us an over-engineered infrastructure, not just in water and sewage, but also in roads, railways, public buildings and many other facilities. The Victorians over-engineered, intervening politicians took credit for cost savings that were really under-maintenance and everybody tried to hand the problem on to the next generation if at all feasible. So yes, in a sense, we stole from the Victorians; our parents stole from them and from us, while we try to steal from our own children.
But how should we make decisions about long-term investments? Economic and financial theory claims to have an answer, compare long-term investments with short-term decisions using the concept of net-present-value (NPV).
You know what an interest rate is, e.g. the percentage applied to your deposit every year in a simple deposit account. The underlying assumption is that cash today is worth more than the same amount of cash tomorrow. We need to be paid for saving or investing today, which is equivalent to deferring gratification till tomorrow. The 'discount rate' is a financial concept based on the future cash flow in lieu of the present value of the cash flow. The discount rate gives you an idea of the present value of future cash. So the interest rate and the discount rate are linked. If a bank offers you an interest rate of 25% and you place £8 in the account, you expect to retrieve £10 next year. If a bank offers you £10 next year for £8 today, the discount rate is 20%, i.e. the percentage that brings the value back to today's terms. So if anyone offers you something worth more than £10 a year from now for £8 today, that is a better deal for you. Interest rates go forward to the future; discount rates come back to the present.
Over the years, interest rates have been lower than most people think. The real interest rate is calculated by subtracting inflation. In both the UK and the USA that means a 50 year moving average of interest rates has been below 2% since before World War II.
Discounting future consumption can lead to conundra (a conundrum of a plural), particularly over finite resources. Marine fishing is a $55 billion global industry, possibly on its way to extinction. When should you throw a fish back? Taken to the extreme, eating a $6 fish tonight can be calculated as worth more than consuming all the fish in the world a couple of millennia from now at a discount rate of 1%. At a discount rate of 10%, tonight's $6 is worth all the world's commercial fish stocks 260 years from now. At a discount rate of 50%, just 35 years.
One of the biggest issues in economics is deciding on the discount rate to use under various circumstances. In business, the correct discount rate is not necessarily obvious and can be the cause of heated discussion. Typically, business people calculate a "cost-of-capital" to arrive at a discount rate. Cost-of-capital can be a fairly complex calculation that employs the Capital Asset Pricing Model, which in turn depends on factors such as the risk-free rate of return, the equity rate, the bond-rate, and the debt/equity structure of the organization. We'll ignore inflation adjustments and taxation. Some taxation systems favour expenditure over capital investment, or vice versa. Some taxation systems favour debt over equity, or vice versa. The Stern School in New York calculates that as averaging over 6% for US companies (http://people.stern.nyu.edu/adamodar/ New_Home_Page/datafile/wacc.htm). More crucially, we have ignored risk, whether the projects achieve their objectives at the cost stated when the decision is made, or achieve their objectives at all.
Businesses have to use something close to their cost of capital, but governments have more leeway. For governments it's different. In 2002 HM Treasury stated that, "The current discount rate is being 'unbundled' so that the new rate reflects only one factor (the social time preference rate), set at 3.5%." Using the "Rule of 72", that is dividing 72 by 3.5 gives us a twenty year doubling factor. An investment of £100 for a 2016 baby today needs to be worth more than £200 by 2036 to be worth doing.
Engineering and infrastructure cycles tend not to coincide with political cycles, despite all the talk of prudence over the economic cycle. Matthew Parris, writing in the Times brought to my attention an open letter of 4 July 2004 from a former rail regulator, Mr Tom Winsor, to his successor. Mr Winsor notes:
"...Politicians will talk about decades of underinvestment and putting right the mistakes of the past, but in general — and with some honourable exceptions — they are simply not programmed to make decisions which put the long-term interests of the industry and the public ahead of the short-term political imperatives of the moment. If the fire-alarm is ringing, the tendency is often to break the bell and stop the noise; not to put out the fire."
So I'll leave you with this little joke about the difficulty of setting time periods:
A prisoner had just been sentenced for a wicked crime and was returning to his cell. His guard was most curious about the outcome.
Guard: "What was the sentence?"
Prisoner: "I could choose life or 100 years."
Guard: "So which did you choose?"
Prisoner: "Well, life, obviously. Statistically speaking that is shorter."
We have a full afternoon ahead, so let's look at our lineup…
Lord Stern places ethics at the heart of climate change economics. He believes that future generations should be protected from harm, that future generations should have a right to a standard of living no lower than the current one, and that the world should be passed on in at least as good a state as inherited from the previous generation. [Stern, 2006, pages 46-48]
His 2006 report suggested committing 1% of GDP each year to cut carbon emissions. By comparison Bjørn Lomborg claimed that "Spending just a fraction of this [Stern Review] figure - $75 billion - the UN estimates that we could solve all the world's major basic problems. We could give everyone clean drinking water, sanitation, basic health care and education right now. Is that not better?" Arguments here are as much about equality as intertemporal transfer. If global population keeps on growing, do we owe future generations a planet as good as the one we have on an absolute or a per capita basis?
However, projects are sometimes essential and incomparable. Another way of looking at this is that you can use the discount rate to evaluate a game of Russian roulette, but you have to accept the chance of dying. If you don't want to die under any circumstances, then discount rate analysis is useless. Stern again, "the pure time discount rate applying to the existence or non-existence of the planet should be much lower than that applying to the existence or non-existence of a project in terms of a possible new environment (from unforeseen policies or technical change, for example) which would render that project irrelevant."
So, eminent economists disagree wildly about an important subject. Pure rate of time preferences for intergenerational transfer and discount rates for investment decisions are not the same thing, Quite rightly, Stern says, "Thus the question 'what is the discount rate' is badly posed. There will be many discount rates depending on the period of time and the path." [Stern rebuttal, 2007]
So we understand that a high discount rate means we don't care about the future, while a low discount rate means we do. We learn that before subjecting a range of outcomes to discount rate analysis, we have to be capable of accepting all the possible outcomes. We realise that discount rate or cost-benefit analysis can only show that the benefits of a policy exceed the costs. There will be winners and losers. If the winners don't wish to compensate the losers for their losses, the policy may not be politically achievable. Finally, if we want to apply fair intergenerational transfer, we may need a very low, near zero, discount rate. Perhaps those Victorians weren't so foolish after all.
Given all this uncertainty, it probably helps to know that there are two types of economists:
(1) those who cannot calculate the correct discount rate, and
(2) those who do not know that they cannot calculate the correct discount rate.
Before we can argue about discount rates, we have to argue about priorities. After we agree priorities and the relative ranking of goals, we can use discount rate analysis to help us choose options within each goal. Until we agree our priorities, you can count me in on the political discussions, and count me out of the economic discussions.
© Professor Alderman Michael Mainelli, 2016
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Topic 7 - Bank Reconciliation
What are dishonoured cheques?
A dishonoured cheque is a cheque, which when presented, is refused payment by the bank because of insufficient funds or because it is not in order.
What are the reasons for dishonoured cheques?
Cheques may contain errors (e.g. signature missing, amounts differ, etc)
The drawer's account may be closed.
The drawer may not have sufficient funds in his account
What is a bank overdraft?
Bank overdraft refers to money owing to the bank when the business has overdrawn on the money it has with the bank. It is shown in the Balance Sheet as a Current Liability.
What is a Bank Loan?
Bank Loans are money owing to the bank and is to be repaid over several years. It is shown in the Balance Sheet as a Long-Term Liability.
What are some frauds involving cheques?
Altering the number of the dollar amount printed on cheques payable to a person.
Putting the fraudster's name as the payee on cheques intended for other parties.
What is a bank reconciliation statement?
A bank reconciliation statement is prepared to account for the difference between the balance in the Cash Book and the balance in the Bank Statement.
Why is there a difference between the Cash Book balance and the Bank Statement balance?
A difference in the timing of recording certain transactions can cause discrepancies between the Cash Book and the Bank Statement.
What are unpresented cheques?
Unpresented cheques are cheques issued by the business to make payments but which are not yet recorded in the Bank Statement.
What are uncredited cheques?
Uncredited cheques are cheques received by the business that are recorded in the Cash Book but are not recorded in the Bank Statement.
What are Credit Transfers?
Credit transfers are proceeds received by the bank on behalf of its account holder.
What are Standing Orders?
Standing Orders are instructions to the bank to make regular payments of fixed amounts by a given date.
What are Direct Debits?
Direct debits are payments made directly by the bank on behalf of the account holder. The amounts are not fixed. E.g. are GIRO payments such as electricity and water bills.


This classic hotel on the town's main street is 1 mile from the College of Wooster and 11.1 miles from Mohican Hills Golf Course.
The traditional rooms and suites have free WiFi and flat-screen TVs with cable channels, plus coffeemakers. Select rooms add minifridges and/or microwaves, while 1 suite features a whirlpool tub.
Amenities include free continental breakfast and large vehicle parking, plus an outdoor pool and a fitness center, as well as meeting facilities and a lounge bar with billiards.
Many improvements and upgrades! So nice to see in the location. The employees were friendly, talkative and polite. Made me feel very welcome. Ballroom was pleasant. Bathrooms were extremely clean and fresh. Well done!
A wonderful hotel. Clean comfortable updated rooms. We appreciated the refrigerator and microwave in the room. The location of this hotel is in the downtown area of Wooster and is within 2 blocks of fantastic restaurants. Very good dining. The staff was great. We will be going back there next year.
Great stay at this hotel for a Wedding in Orville. This hotel is so clean and like new! The employees make you feel welcome. We have never been to Wooster and loved it!
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We just sold an old piece of furniture, a jacket, a sled and a baby chair. That is another 75 dollars to add to the Christmas stash. I was surprised we got as much as we did for the stuff. I have all the stocking stuffers covered now, no problem. I am amazed how everything has worked out so well so we have had enough money for everything. I feel very blessed and grateful. I really didn't know if I could do this challenge when I started and at times I thought it was crazy and I should skip doing it, but I am glad I stuck it out.
I wish I had seen this last week. I saw the link on 365 Less Things today, and thought it was worth passing on. It is about recycled wrapping. I could have saved a dollar or two. I didn't have anything in the house to wrap a few gifts for one of our kids, so I broke down and bought a roll of paper. If you don't have your gifts wrapped yet, take a look at these ideas and see if there are things in your house that you can use instead of purchasing more paper. Remember to recycle anything you can so we don't add to the huge amount of trash generated at Christmas time.


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Absentee, provisional ballots to be counted Thursday
As the vote count continues, Republican challenger Michael Pantelides is leading the race over Democratic incumbent Josh Cohen in the race for Annapolis mayor.
Annapolis residents woke up Wednesday without knowing who the mayor will be after Tuesday's election results proved to be too close to call.Mobile users tap here to watch video.With preliminary results in from all 16 precincts on Wednesday, Republican challenger Michael Pantelides is leading the race by just 84 votes over Democratic incumbent Josh Cohen. Pantelides received 3,728 votes to Cohen's 3,644."We had anticipated we'd be 250 votes up, not the 84 that we are now," Pantelides said.Election officials said there are still ballots from one broken voting machine in Ward 7 that have not been counted, as well as 327 uncounted absentee ballots that could decide the race.Pantelides' staff met with election officials on Wednesday with some concern about the ballot counting process going forward. The Annapolis Board of Supervisors of Elections has not released information on the 327 absentee ballots requested and so-called emergency ballots requested the day of the election."No one's alleging that any wrongdoing's taken place, we just want to make sure everybody is following the same rules moving forward. Typically races don't come down to absentee ballots so for the most part it doesn't matter what they are because it doesn't determine the race," Pantelides said.Cohen denied an on-camera interview on Wednesday, but released a statement to 11 News."Regardless of the final outcome, I am blessed to have had the opportunity to serve and give back to my hometown as mayor. Public service is truly its own reward. I have no regrets about the decisions of the past four years, am proud of all that we have accomplished together, and know that I fulfilled my duty to act in the best interests of the city," Cohen said in the statement.The Annapolis Board of Supervisors of Elections will begin counting those ballots at 9 a.m. Thursday. The process can take up to two days.Meanwhile, the mayor of Frederick will be staying in office for another term.Incumbent Republican Randy McClement got about 49 percent of the vote Tuesday night. He beat out Democratic challenger Karen Lewis Young, who got 32 percent of the vote, and former Mayor Jennifer Dougherty, an unaffiliated candidate who got 19 percent of the vote.Of the city's 35,498 registered voters, officials said 7,648 residents cast a ballot for a turnout of about 22 percent.
ANNAPOLIS, Md. —
Annapolis residents woke up Wednesday without knowing who the mayor will be after Tuesday's election results proved to be too close to call.
Mobile users tap here to watch video.
Absentee ballot counting continues in Annapolis
With preliminary results in from all 16 precincts on Wednesday, Republican challenger Michael Pantelides is leading the race by just 84 votes over Democratic incumbent Josh Cohen. Pantelides received 3,728 votes to Cohen's 3,644.
"We had anticipated we'd be 250 votes up, not the 84 that we are now," Pantelides said.
Election officials said there are still ballots from one broken voting machine in Ward 7 that have not been counted, as well as 327 uncounted absentee ballots that could decide the race.
Pantelides' staff met with election officials on Wednesday with some concern about the ballot counting process going forward. The Annapolis Board of Supervisors of Elections has not released information on the 327 absentee ballots requested and so-called emergency ballots requested the day of the election.
"No one's alleging that any wrongdoing's taken place, we just want to make sure everybody is following the same rules moving forward. Typically races don't come down to absentee ballots so for the most part it doesn't matter what they are because it doesn't determine the race," Pantelides said.
Cohen denied an on-camera interview on Wednesday, but released a statement to 11 News.
"Regardless of the final outcome, I am blessed to have had the opportunity to serve and give back to my hometown as mayor. Public service is truly its own reward. I have no regrets about the decisions of the past four years, am proud of all that we have accomplished together, and know that I fulfilled my duty to act in the best interests of the city," Cohen said in the statement.
The Annapolis Board of Supervisors of Elections will begin counting those ballots at 9 a.m. Thursday. The process can take up to two days.
Meanwhile, the mayor of Frederick will be staying in office for another term.
Incumbent Republican Randy McClement got about 49 percent of the vote Tuesday night. He beat out Democratic challenger Karen Lewis Young, who got 32 percent of the vote, and former Mayor Jennifer Dougherty, an unaffiliated candidate who got 19 percent of the vote.
Of the city's 35,498 registered voters, officials said 7,648 residents cast a ballot for a turnout of about 22 percent.
WBAL-TV 11 Baltimore
©2022, Hearst Television Inc. on behalf of WBAL-TV.


text:
package org.kuali.kra.protocol.onlinereview;

import org.kuali.kra.bo.KraPersistableBusinessObjectBase;
import org.kuali.kra.common.committee.bo.CommitteeScheduleBase;
import org.kuali.kra.infrastructure.KraServiceLocator;
import org.kuali.kra.protocol.ProtocolBase;
import org.kuali.rice.krad.service.BusinessObjectService;

/**
 *
 * This class is for review comments and attachments
 */
public abstract class ProtocolReviewableBase<CS extends CommitteeScheduleBase<CS, ?, ?, ?>> extends KraPersistableBusinessObjectBase {
    /**
     * Comment for serialVersionUID
     */
    private static final long serialVersionUID = 2401653037114419518L;

    public abstract Long getProtocolId();
    public abstract Long getProtocolOnlineReviewIdFk();
    public abstract String getCreateUser();
    public abstract ProtocolBase getProtocol();
    public abstract void setDisplayReviewerName(boolean displayReviewerName);

    public abstract CS getCommitteeSchedule();
    /**
     *
     * This method is to show whether comment or attachment is private or not
     * @return
     */
    public abstract boolean isPrivate();
    /**
     *
     * This method indicates if the OLR is finalized or not
     * review comment has a finalflag, but review attachment does not
     * @return
     */
    public abstract boolean isFinal();

    /**
     *
     * This method to indicate this instance is ReviewComment - CommitteeScheduleMinute
     * @return
     */
    public boolean isReviewComment() {
        return false;
    }

    /**
     *
     * This method to show whether the OLR is accepted by IRB admin.
     * @return
     */
    public boolean isAccepted() {
        boolean accepted = false;
        if (getProtocolOnlineReviewIdFk() != null) {
            ProtocolOnlineReviewBase protocolOnlineReview = getBusinessObjectService().findBySinglePrimaryKey(getProtocolOnlineReviewBOClassHook(), getProtocolOnlineReviewIdFk());
            if (protocolOnlineReview.isAdminAccepted()) {
                accepted = true;
            }
        } else {
            accepted = true;
        }

        return accepted;
    }

    protected abstract Class<? extends ProtocolOnlineReviewBase> getProtocolOnlineReviewBOClassHook();

    private BusinessObjectService getBusinessObjectService() {
        return KraServiceLocator.getService(BusinessObjectService.class);
    }
}

redpajama_set_name: RedPajamaGithub


At our Bolton and Rawtenstall stores we have onsite stock of multi-purpose ovens from leading manufacturers like Bosch, Zanussi, Siemens and Neff, to name but a few.
We have everything from AEG single electric ovens with "slide and hide" doors, Zanussi compact ovens with built in microwaves to Siemens double ovens. Every type of oven needed to suit the requirements of a young couple or large family alike and all packed with time and energy-saving features.


Lydia Barnett (Ph.D., Stanford University, 2011) is a historian of early modern Europe whose work explores the intersections of science, religion, and the environment in transnational contexts.
Her current book project, provisionally titled Imagined Disasters: Thinking Globally in the Early Enlightenment (under contract with Johns Hopkins University Press), explores the scientific imagination of global natural disasters at the turn of the eighteenth century. As European commerce, religion, and empire increasingly extended their reach across the globe, and as networks of exchange allowed books, letters, bodies, capital, and natural resources to flow across ever greater distances, a multi-disciplinary new field of science and scholarship emerged which sought to describe the earth and its history on a global scale. The field focused in particular on Noah's Flood, whose global reach served as a figure for the spread of Christian faith and empire and also grounded a new research agenda which called for the contributions of a far-flung network of scholars, since it had left its traces everywhere.
During its brief heyday in the early Enlightenment, the genre of world disaster history built fragile bridges across religious and national divides in Europe while laying the groundwork for more lasting justifications of European dominance over the rest of the world.
Many of these same questions about environment, knowledge, and power animate her second book project, tentatively titled The Work of Science. This book examines the rhetorical strategies that were used to represent and also to obscure different kinds of knowledge-work in the long eighteenth century. Specifically, it seeks to contextualize the growing value of knowledge derived from emplacement in local natural environments within the labor and environmental politics of the 18th century Atlantic World.
At the undergraduate level, she will offer survey courses in European history and the history of science and medicine as well as upper-level courses on more specialized topics such as gender and science, the Enlightenment, natural disasters, and environment and empire.
She welcomes applications from potential graduate students in early modern European and Atlantic World history, particularly those with interests in Italy, Britain, the Republic of Letters, and other transnational networks. She would likewise welcome applications from students with thematic interests in the Anthropocene, natural disasters, climate change, land and labor, and other topics that engage the intersection of science, society, and environment.
She has received funding from the National Science Foundation, the Woodrow Wilson National Fellowship Foundation, the Gladys Krieble Delmas Foundation, and the Charlotte W. Newcombe Foundation.
From 2011-2013, she was a Fellow in the University of Michigan's Society of Fellows.
In the fall of 2016, she will hold a visiting fellowship at the Max Planck Institute for the History of Science in Berlin.


After a volume that wasn't my absolute favorite, this one in the Witchcraft Mystery series got me right back in the groove. I loved the storyline of the oak tree, Oscar's disappearance, Deliverance, the Ashen Witch, and Bart. I loved the interlude at the cocktail party hosted at the Cal Academy (seriously, I love that museum, wish we lived a bit closer, or at least that it was easier to get to by public transit as I hate parking there). I loved the return of Sailor even if I don't think he's ultimately the right guy for Lily. I loved the bigger storyline for Conrad. And I definitely loved all the action in this one. Can't wait to pick up the next volume in the series. Good thing it's sitting on my nightstand!


text:
Аасиаат  — аэропорт, расположен в одной морской миле (1,9 км) к северо-востоку от Аасиаата (коммуна Каасуитсуп, Гренландия). Аэропорт Аасиаат обслуживает авиакомпания Air Greenland.

Пункты назначения Air Greenland

Air Greenland работает в рамках госконтракта, совершая рейсы в деревни архипелага Аасиаат. Это в основном грузовые рейсы не фигурирующие в расписании, хотя билеты на эти рейсы могут быть предварительно забронированы. Время отправления этих рейсов, указанное при бронировании приблизительно, и зависит от местного спроса на тот или иной день.
Полёты в районе залива Диско уникальны тем, что они осуществляются только в зимний период и весной. Летом и осенью, связь между населёнными пунктами только по морю, обслуживаемой паромом Diskoline.

Наземный транспорт
От города Аасиаат к аэропорту существует дорога протяжностью около 3 км, стоянки такси расположены неподалёку от аэропорта .

Примечания

Ссылки
Табло отправлений рейсов аэропорта Аасиаат
Аэропорты Гренландии
Залив Диско

redpajama_set_name: RedPajamaWikipedia


At Bikespace we aim to engage and motivate young people struggling with mainstream education. We train them as Bicycle Mechanics and give them the opportunity to get out on Mountain Bike Adventures. The pupils develop transferable skills which will enable them to succeed in the workplace. To engage and motivate young people with the long term aim of equipping them with the necessary life skills to be successful in the workplace. Increase Young People's sense of social responsibility within their local community. Encourage Young People to live and enjoy a healthy lifestyle.
Five Employees and we work with approximately 20 young people (excluded from school) and adults (long term unemployed) as trainees each week.
Approximately 350 bikes recycled each year.
We offer a free Open Workshop Session (first Wednesday Evening of month) plus regular Saturday Courses plus bespoke packages for young people excluded from School and long term unemployed adults.
It's brilliant to get loads of different types of bike for all the trainees, young and old to work on here at Bikespace!
The next project we are planning is to work with refugees in Plymouth helping them refurbish bikes that they can then keep themselves.
Bikespace "Day in the life of a Recycled Bicycle" from Bikespace on Vimeo.


We specialise in the brokerage of Glen Moray casks and have buyers all over the world ready to put forward a no-obligation offer.
The most desirable Glen Moray casks are fresh fill sherry oak casks, however, refill sherry casks are also in demand. Bourbon casks (quite common at Glen Moray) do not command the same premium as sherry casks but can still sell well.
If you would like to know the value of your Glen Moray cask use the form below to get in touch.
If you would like to sell a cask of Glen Moray whisky or would like your cask of Glen Moray whisky valued then we are here to help. Not only will we make the process easy and jargon-free, we are confident we will get you the best deal.
What is my cask of Glen Moray worth?
While today the Glen Moray distillery is in the middle of a housing estate, originally it sat outside the boundaries of Elgin. It began its life as a brewery which took its power and water from the River Lossie which flowed at high speed alongside the building. On the downside, the closeness of this water source led to several floods over the years in the distillery buildings.
In 1897, the function of the building changed, and the Glen Moray distillery was converted from the old buildings due to the boom in the whisky industry which was occurring at this time. Unfortunately, although it had seemed that there would be a never-ending demand for whisky, this turned out not to be the case, and like many other whisky brands, Glen Moray fell prey to the early 20th century slump, closing its doors in 1910. In 1923 it was bought by Glenmorangie's owner, Macdonald and Muir.
In 1058 a large Saladin malting was installed, doubling the still number from two to four. These maltings ran until the late 1970s. Towards the end of the period of Glenmorangie ownership, Glen Moray became known as the budget malt of the firm, and it was frequently sold at the same low price as a standard blend. This meant that even when demand grew and sales increased there was very little profit produced, and the image of the distillery became badly tarnished.
2008 saw the distillery being sold to La Martiniquaise, a French distillery company, primarily for fillings for the brand's Glen Turner and Label Five brands. Since that time, capacity has increased by 40% and another pair of stills and new washbacks have been installed.
It is thought that the high water table and river's proximity produces a more humid and warm microclimate that helps the maturation process. Since La Martiniquaise took over the distillery, a greater percentage of first fill American oak casks are used and this adds a more buttery note to the mix. Interestingly, Glen Moray was a pioneer of whisky finishing in wine casks, and in recent years some new releases have emerged as well as peated malts.
The Glen Moray visitors centre is open all through the year and offers tastings and tours to interested visitors. The brand has also won a number of awards through the years in competitions like the ISC, WWA and IWSC among others.


text:
Wat kan de facebookmunt Libra nog redden?
Mark Zuckerberg, de baas van Facebook, moet morgen voor het Amerikaanse congres verschijnen. Daar moet hij zijn digitale munt, de Libra, verdedigen. Sinds de lancering van de munt in juni is er veel kritiek op de plannen van Facebook. Gaat het Zuckerberg lukken om het congres te overtuigen dat de munt kan werken? En ligt er een rol voor Nederland weggelegd in dit verhaal? Wouter van Noort, tech-journalist van NRC en Teunis Brosens, econoom van digitale zaken bij ING, vertellen het in De Nieuws BV.
Kijk (jawel) naar de radio-uitzending:
https://www.nonplus.nl/wordpress/wp-content/uploads/2019/10/191022-1215-Radio1.m4v
Of alleen audio:
https://www.nonplus.nl/wordpress/wp-content/uploads/2019/10/191022-1215-Radio1.mp3
Author TeunisPosted on 22 October 2019 28 October 2019 Categories audio, eco, videoLeave a comment on Wat kan de facebookmunt Libra nog redden?
Game over for Libra? The G7 report lays down the rules
Today's G7 Report on 'global stablecoins' confirms authorities' concerns with Facebook's proposed digital currency Libra. We still see a way forward for Libra, but is Facebook willing to take that route?
Libra represents a breakthrough in digital currency thinking
Facebook may have underestimated the pushback it received on Libra, but the proposal has at least one major achievement: it has greatly accelerated the debate on digital currencies and has jolted authorities in thinking about the implications of global currencies for monetary policy and financial stability. This morning, the G7 published a report on 'global stablecoins', and while the report covers more than just Libra, it is clear that the workstream would not have existed, had Facebook not launched its proposals earlier this year.
The problems authorities see with global stablecoins are basically twofold: practical, and fundamental
The problems global authorities see with global stablecoins are basically twofold. Firstly, there are practical demands in the area of fighting money laundering, fraud, terrorism finance, but also, for example, with security, data protection and privacy. Any institution dealing with money should comply with such demands. Authorities have made clear that Libra has not yet fully provided satisfactory answers in these areas. But that may change in the future. The fact that a number of experienced payment processors have left the Association is not helping Libra here and could mean a further delay in its timetable. But Facebook has the financial power to buy external expertise where needed and should be able to address practical matters should it wish.
Fundamental issues pose a more existential threat to global stablecoins
Secondly, there are more fundamental issues to address. A stablecoin launched on a global scale, and denominated not in domestic currency but (as in the case of Libra) based on a basket of existing currencies, has profound implications for financial stability and monetary policy. When economies abandon their domestic currencies and move to global stablecoins, the ability of domestic central banks to set monetary policy is greatly reduced.
As we show elsewhere, countries are already faced with an "impossible trinity", meaning they cannot achieve free cross-border capital mobility, monetary policy autonomy and exchange rate management at the same time; countries have to choose two out of these three. Wide domestic adoption of a global stablecoin reduces this policy menu still further.
With a global stablecoin, there is no-one to call to discuss monetary policy consequences
Capital mobility is enforced by the stablecoin, while monetary autonomy is restrained by the limited use of domestic currency by residents. A country then may be left with the option of trying to manage its exchange rate vis-à-vis the stablecoin, to retain some influence on competitiveness. That is not an attractive prospect for central banks. Even for those countries which are highly dependent on the dollar for trade and external financing, at least with the dollar they can phone the Fed and discuss implications of Fed policy for their economies. With a basket-based stablecoin, there is no-one to call.
Moreover, a global stablecoin held by many agents (say a modest share of Facebook's 2.4bn users), quickly becomes a systemic institution itself. Even if it does not set monetary policy itself, by its sheer size its buy and sell actions will have profound implications on financial markets. A "bank run" on such a stablecoin could have wide repercussions and might necessitate a bailout should confidence in the payments infrastructure deteriorate. Finally, global stablecoins will bolster the platforms they are traded on, adding to bigtech competition worries.
Read our article "Why the crypto debate is far from over" for more on this
The problems stablecoins pose, depend on their use case
So it is with good reason that authorities want to think through all the implications of a stablecoin, such as Libra, which has the potential to grow big very fast. G7 Working Group chairman Benoît Coeuré emphasised authorities do not want to ban stablecoins before it's clear how they would actually operate in reality. But at the same time, such coins should not jeopardise public policy goals, including monetary policy and financial stability.
The G7 poses high demands, but does leave some room for global stablecoins
The G7 report does provide an opening for Libra. It notes that the impact of a stablecoin is bigger when it is used as a store of value. The Libra association has emphasised that Libra is primarily intended for use in remittances, and to provide the unbanked with a digital means of exchange, and that it assumes people will move in and out of Libra quickly. If indeed Libra can credibly guarantee authorities that the coin will only be used as a means of exchange, that might provide a window to move discussions forward. The problem here is, is the Libra association able and willing to provide such guarantees? How will it force people to exchange their Libras for fiat currency? What if the Libra association decides that in a few years' time, it is useful as a store of value after all?
There might be an easy way out, but Libra appears unwilling to take it, for now
An obvious solution that would take away a lot of objections is to abandon the idea of a global stablecoin, and to instead issue €-Libra, $-Libra, etc. In this way, the locally denominated Libras would easily fit existing e-money regulations, and central banks would retain their current control on local currency. Abandoning the global denomination would also, in our view, not reduce the gains to be reaped from operating a single digital global infrastructure.
Blockchains such as Ethereum show that it is very easy to operate tokens representing different assets and currencies on a single ledger. So far, however, Libra appears unwilling to let go of the idea of a single currency. So long as Libra clings to that idea, we think it will face strong opposition from central banks. We look forward to seeing what Facebook's CEO. Mark Zuckerberg has to say on this at his Congressional hearing next week.
This article first appeared on ING THINK
Author TeunisPosted on 18 October 2019 28 October 2019 Categories ecoLeave a comment on Game over for Libra? The G7 report lays down the rules
OMFIF Podcast: Libra and its potential role in the global monetary system, Part I
Facebook's plans for a global cryptocurrency have caused a stir among regulators and finance ministries. The company sought to announce Libra before launching it to gather feedback from regulators and central banks on the proposed economic design and regulatory frameworks. However, it has exacerbated speculation on its impact and purpose. Christian Catalini, co-creator of Libra and head economist at Calibra, and Teunis Brosens, lead economist for digital finance and regulation at ING, join OMFIF's Bhavin Patel to explore Libra's position in the global monetary system. They discuss how it differs from other currencies and payment systems, how the reserve works, its impact on emerging markets and the risks to monetary sovereignty.
https://www.nonplus.nl/wordpress/wp-content/uploads/2019/10/191008-OMFIF-podcast-Libra_part_1.mp3
Author TeunisPosted on 18 October 2019 28 October 2019 Categories audio, ecoLeave a comment on OMFIF Podcast: Libra and its potential role in the global monetary system, Part I
Banking disrupted by FinTech and BigTech
Today banks are facing competition from non-bank firms whose core strategy is based on technological innovation – Big Tech and Fin Tech. What is in store for the future of banking?
Watch Nicolas Véron's introduction of a Geneva Report on the topic, followed by panel discussion featuring Kabbage's Sam Taussig and myself:
Introducing the 22nd edition of the Geneva Reports on the World Economy, co-author and Bruegel scholar Nicolas Véron lays out the challenges that traditional banks are facing given modern technology. Discussions began with an overview of traditional banks, defined by their government charter. While engaging in many activities, in essence, a bank's business is to take deposits and make loans. These roles are being challenged and the definition becomes an increasingly blurry line with the emergence of FinTech and Big Tech. The Geneva report therefore explores the question: Does technology challenge big banks?
FinTech companies excel in speed, customisation, and are digitally adept. Bigtech companies including Facebook, Apple, Google, and Amazon in the United States, along with Baidu, Alibaba and Tencent in China, boast an enormous scale of reach, and have both public trust and data. Banks remain the upper hand in customer experience, and their policy base gives them the ability to lobby. Véron encourages everyone interested to read the report in order to better understand the dynamics posed between these groups. He then recognises how early we are in the stage of competition, and that many questions are yet to be answered: How will banks evolve? How will banks embrace FinTech? How will policy respond?
The Geneva report outlines previous banking evolutions and identifies underlying themes. What is new with this challenge is how big Big Tech truly is. Libra gave a wake-up call to policy makers that FinTech will continue to grow, and policy needs to be implemented. Véron again encourages all to read the report to further understand the challenges and implications of banking competition.
Opening up the panel to a discussion, Teunis Brosens, lead economist for digital finance and regulation at ING, remains confident that banks will not go away. He poses the question whether Big Tech firms are willing to become banks or not. Emphasising the regulatory role of traditional banks, Brosens sees the next steps to moving forward as a levelling of the playing field both in local and global spheres specifically in terms of data sharing.
Sam Taussig, head of global policy at Kabbage, an Atlanta based small business credit platform, expands on his view of the future of banking, agreeing that traditional banks are not obsolete. From his perspective, customers will use FinTech's user friendly interface, who will be backed by the regulatory base of a bank. The main concerns here are of anti-trust and data ownership.
Rebecca Christie, a Bruegel scholar, posed questions of redlining and regulation. She questions how intra-bank competition will affect this evolution, and whether fees will remain a setback for banks. After a discussion led by Christie, the floor was opened up to Q&A where the panel shared their thoughts on shadow banks, the need for specialised licenses, and the role of central banks in creating cryptocurrencies.
Notes by Larissa Nowjack
Meeting notes first appeared on Bruegel
Author TeunisPosted on 9 October 2019 28 October 2019 Categories eco, videoLeave a comment on Banking disrupted by FinTech and BigTech


text:
what happened to attaullah khan
The legendary singer has been awarded with Sitara-e-Imtiaz on March 23, 2019 and he also got the Pride of Performance Award in 1991. The rumours were doing rounds on social media since Monday. This was the first time that the Pukhtoonistan chapter had been put up formally in an assembly session and that was done by Qazi Ataullah Khan. Attaullah Khan Esakhelvi fans were quite worried and concerned about the health of the folk singer after the spread of his death rumour on social media. Watch the latest video from Attaullah Khan (@attaullahkhan333).
4th Floor, Times Of India Building, Dr. D.N.
SU VC Dr Kalhoro expresses grief over Dr. Imdad's death, Training on Workplace Ethics, Conflict Resolution and Effective Communication Skills for Monitoring & Evaluation Assistants (MEAs) at PSPU, South Africa's Faf du Plessis to play in PSL for Peshawar Zalmi, Bailable arrest warrants issued against Safdar in NAB office clash case. Attaullah was awarded with the Pride of Performance Award in 1991 by the government; he is also a recipient of Lifetime Achievement award from Queen Elizabeth of England. He completed his Law degree in 1918 and then came back to his homeland to practice law and work for the rights of his fellow beings. Full Mp3 Songs of Attaullah Khan Vol.5 (2015) where by the Music Director of album Attaullah Khan . Follow SAMAA English on Facebook, Twitter, and Instagram. After this he became a close aide and a confidante of Ghaffar Khan in all matters related to the well being and the rights of the Pukhtoons. #PTI #AttaullahEsaKhelvi #PakistaniMusicWhy Attaullah Es Khelvi's London concert was put upside down by the holligansA group of rowdy youth tried to push their way through to the concert hall where Attaullah Esa Khelvi was performing his hit meolidiesMurtaza Ali Shah is one of the leading reporters in Pakistani media, covering Pakistani political, social and cultural affairs from London. district of Punjab, Pakistan, is a Pakistani Pride of Performance award-winning Sufi musician. He is traditionally considered a Seraiki artist, but his music albums are in Seraiki & Punjabi/Urdu.
We use cookies to ensure that we give you the best experience on our website. Folk singer Attaullah Khan Esakhelvi refutes his death rumours, ہاتھ پاؤں سے معذور حلیمہ بی بی پولیو کے خاتمے کے لئے پرعزم, مقبوضہ کشمیر میں تعینات بھارتی فوجیوں کی خودکشیوں میں ہوشربا اضافہ, وزیراعلیٰ بلوچستان نے کرونا کو شکست دے دی.
When congress won the elections of 1937, Qazi Ataullah Khan became a member of the legislative assembly and was the 'Minister of Revenue' under the government of Dr. Khan Sahib. Attaullah Khan (@attaullahkhan333) on TikTok | 1069 Likes. He also requested them to remember him in their prayers. His first exposure to a public gathering fighting for the rights of Pukhtoons was in 1919 when he attended a rally of Abdul Ghaffar Khan (Bacha Khan) in Charsadda. Since then he is not known as Qazi Ataullah Khan among the Khudai Khidmatgars but as GHAZI QAZI due to his unrelenting struggle for the rights of Pukhtoons till his last breath and the way the Muslim League government under the leadership of Qayyum Khan had declined him all medical facilities in prison. Legendary folk singer Attaullah Khan Esakhelvi has rubbished rumours of his death. Springsteen lends his voice, and a song, to a Biden ad, Pakistani singer Jawad Ahmad tests positive for coronavirus, Famous Turkish chef Burak Ozdemir arrives in Pakistan, Sean Connery, award-winning actor who starred as James Bond, dies at 90, PM lauds KP govt for giving health insurance cover to all citizens, Children set on fire over petty dispute in Sahiwal, Turkish chef Burak Ozdemir visits Army Museum Rawalpindi, 70-year-old man rescued from rubble as Turkey quake death toll hits 60.
When congress won the elections of 1937, Qazi Ataullah Khan became a member of the legislative assembly and was the 'Minister of Revenue' under the government of Dr. Khan Sahib.
It was then that the first ever education policy of Pukhtoonkhwa was announced. He especially thanked those living in Saudi Arabia who prayed for him in Mecca and Medina. Legendary folk singer Attaullah Khan Esakhelvi has rubbished rumours of his death.
Imran Khan appeared so lean in his latest outing, that onlookers wondered if the personal turmoil in his life was getting to him.
283 Fans. "God give them life and I don't hate them," he said. By using our services, you agree to our use of cookies, By purchasing this item, you are transacting with Google Payments and agreeing to the Google Payments. He holds Guinness Book of World Record for the highest number of recorded albums by a singer.
Qazi Ataullah Khan was first sent to DI Khan jail and then to Hyderabad jail. On Friday, Attaullah Khan Esakhelvi's secretary also confirmed that he is in good health and there is no cause for concern.
According to a private television channel report, the perpetrator of the rumour on Facebook, resident of Taunsa Sharif was apprehended by the authorities but charges were dropped as the singer himself excused the culprit. Your email address will not be published. Guinness record holder and folksinger Attaullah Khan Esakhelvi is back from the hospital after undergoing a pancreatic operation. Pakistan came into being on the 14th of August 1947 and a month later Abdul Ghaffar Khan along with Qazi Ataullah Khan and other Khudai Khidmatgar leaders were put behind bars and their properties were confiscated by the then government of Muslim League under the cruel and brutal leadership of Qayyum Khan.
COPYRIGHT © 2020 - ARYNEWS.tv. He started practicing law in Peshawar for a few years and then settled in Mardan in 1925 where he was involved with Ghaffar Khan in Anjuman e Islah Afghania and also practiced his law. In 1946 congress again won the elections in the subcontinent and then Qazi Ataullah Khan became the 'Minister of Education' again in the government of Dr. Khan Sahib. These efforts also ended in vain and thus, congress boycotted the referendum. In 1930 he was imprisoned for five years under the British rule for fighting for the rights of Pukhtoons.
The Government of Pakistan awarded him the Pride of Performance Award in 1991. These were, "Working for the well being of Pukhtoons is our foremost priority and is our firm belief. ALL RIGHTS RESERVED. Qazi Ataullah Khan was born in 1895 in the house of Qazi Nasrullah Khan in Landi Yarghajo village of Peshawar.
Qazi married the daughter of a Khan of prang in 1923. Qazi Ataullah Khan received his initial education in a local religious madrassa of his village. He is grateful to his loved ones for their prayers. The rumours were doing rounds on social media since Monday.
Attaullah Khan Niazi Esakhelvi was born 19 August 1951 in Essa Khail, Mianwali. Qazi Ataullah Khan died in Mayo Hospital in Lahore on the 17th of February 1952 and was then handed over to his family for burial in his home in Mardan. This Pakistan Day, March 23, he was conferred with Sitara-e-Imtiaz (Star of Excellence). Enjoy the best of Christmas Songs & Christmas Carols this festival! Copyright © 2020 SAMAA TV. All these requests were declined by Qayyum Khans government and later on Qazi Ataullah Khan was diagnosed with blood cancer. Download Attaullah Khan Vol.5 mp3 links from songspk, downloadming, pagalworld, djmaza, funmaza and Attaullah Khan Vol.5 320kbps and Attaullah Khan Vol.5 128kbps songs. Attaullah Khan Esakhelvi fans were quite worried and concerned about the health of the folk singer after the spread of his death rumour on social media. Featuring some Fantastic, Devotional songs of Popular Indian Gods & Goddesses. Rumours had circulated of his death. He was the second son of Qazi Nasrullah Khan who was a religious scholar of his area and a teacher.
Road, Fort, Mumbai - 400001, Cookies help us deliver our services. But the folksinger is very much alive and will be performing in Dubai on April 13. Earlier, in April 2019, a man propagated the rumors of the singer's demise as well when he was hospitalized for few days because of his back pain. It was then that the first ever education … Attaullah forgave the ones running the rumour mill on social media. His health kept on deteriorating and then he was sent to Mach jail in Balochistan where Wali Khan, Abdul Aziz Khan, Arbab Abdul Ghafoor Khan and Amir Muhammad Khan were also imprisoned. He informed about his show in Dubai on April 13, 2019 where he will perform for his fans. According to Wali Khan, In his last days, a famous journalist, Sorash Kashmiri went to meet Qazi Ataullah Khan where according to him Qazi sb said his last words. In February 1952 he was finally sent to Mayo Hospital in Lahore when his condition had become critical. Congress opposed the notion saying that the people had already given their opinion in the form of the 1946 election by opting for congress and not the Muslim League and that the referendum was not constitutional. Esakhelvi said people spread rumors about him on social media. Qazi sb used to complain of ill health but was not given much attention by the authorities (as narrated by Wali Khan).
Tuesday, November 3, 2020 | 16 Rabiulawal, 1442. district of Punjab, Pakistan, is a Pakistani Pride of Performance award-winning Sufi musician. When this cry fell upon deaf ears then the Pukhtoonkhwa chapter of congress headed by Dr. Khan Sahib gave another option on 23 June 1947 that was to either opt for Pakistan or for Pukhtoonistan. Attaullah Khan Niazi Esakhelvi was born 19 August 1951 in Essa Khail, Mianwali.
(adsbygoogle = window.adsbygoogle || []).push({}); Home Lead Stories Latest News Editor's Picks, Contact Company's Financials Investor Information Terms & Conditions, Copyright © 2020 Daily Times Website Developed By Daily Times Developers. His wife was the niece of the then Sahib e Haq. He was admitted to a private hospital in Lahore in October 2018. Being natives to Landi Arbab, this family is Khalil momand by caste and Qazi is the title given to Qazi Ataullah Khans great grand father Qazi (Haji) Talibuddin Rohani.
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This module generates the necessary annual report to confirm the data with your clients and to easily present the model 347 required by the Spanish Tax Agency.
This module for Prestashop allows you to save time and identify in a simple way those customers who exceeded the limit of purchases marked by the Treasury and of which it is necessary to report once a year.
The module allows you to configure the purchase limit from which you want to generate the report, identify the buyers, your ID and the value of your purchases made in your store each quarter of the selected year.
The report is downloaded easily from the module configuration panel.
Allows you to select order statuses to generate the report only with those sales that are in that state or to leave out the sales of any particular state.


It goes without saying that evaluating and reporting on social impact is both incredibly important and extremely time-consuming for social enterprises. That's why we're excited to be working with Swinburne University, through the Social Enterprise Impact Lab (SEIL), to help make the process simpler and clearer for everyone involved.
In this groundbreaking 3-year research project, Good Cycles and four fellow social enterprises – Earthworker, CERES, Asylum Seeker Resource Centre and Family Life – come together in a participatory lab-style setting with Swinburne where we share learnings, grow our collective knowledge and innovate around the most effective methods of measurement and evaluation.
The aim of the project is much broader than just helping the organisations involved in the lab – a key outcome is to develop an online data dashboard that can be accessed and used by social enterprises all across Australia to monitor and communicate their impacts.
We are thrilled to be at the ground floor of this important work and to be pursuing a more robust, affordable and shareable approach to social impact reporting for the sector.
Good Cycles is currently only a few months into the project but we are very excited about the positive outcomes for our sector. We look forward to sharing more information with you as we continue our journey.
If you're keen to find out more about SEIL, check out the project's website.


Naomi Binenfeld (left) uses her phone to show Tasneem Hayed how to check a voter's registration status.
It's Friday afternoon and, as the call to prayer begins at the Hamzah Islamic Center near Alpharetta, member Arif Kazi sets up a table near the mosque's entryway. He puts out an American flag, flyers and laptops in the hopes of registering voters.
"Are you registered to vote?" Kazi asks the tech workers, parents and elders rushing in for the regular prayer service.
Muslims aren't a voting group campaign strategists talk about very much. Not like white suburban women or African Americans, for example.
In 2015 there were about 3.3 million Muslims living in the United States, about 1 percent of the total U.S. population, according to Pew Research Center estimates. Pew estimates that share will double by 2050.
Right now, the percentage of the Muslim population in Georgia is likely less than that of the U.S. as a whole. According to the Association of Religion Data Archives (ARDS), in 2010 there were about 53,000 Muslims in the state. The U.S. Census Bureau' 2015 estimate for Georgia's population was 10.2 million.
Their voting weight could be increasing though, sparked by Donald Trump's harsh generalizations about the religious group, and Georgia Muslims are hoping new voters will give them more influence in local politics.
Mohamad Elnaamani became a U.S. citizen just a few years ago. He stops by Kazi's table at the Hamzah Islamic Center. He works for an international corporation in Alpharetta.
Elnaamani says his voting choices are limited this year. He's open to Republicans, even alternative party candidates, but Trump's talk about Muslims has driven him toward Hillary Clinton.
Elnaamani's view on the election is the same as many at the mosque, says Kazi. He laughs when a reporter asks him what people tell him is motivating them to sign up.
Kazi says for years he's been trying to get more people from the mosque to vote. He says there are about 300 to 400 people who are already registered. They're just a tiny speck, Kazi says, of the small percentage of Muslim voters in the U.S.
Muslim populations are concentrated north of Atlanta, according to ARDS, and Kazi says their numbers may matter more locally.
In Georgia, Muslims are most often in the headlines when local governments block or stall construction of new mosques or funeral homes.
With Muslims voting in local races, more politicians, especially north of Atlanta, may pay attention.
That's one goal of the Georgia Muslim Voter Project, a new nonpartisan political group focused specifically on getting Muslims politically involved.
African-American Muslims tied to the civil rights movement have registered voters for decades, and more recently, Asian-American advocates have gotten more Muslims involved, but neither group focused specifically on the religious group.
"Because there hasn't been a specific effort for Muslims before we're finding a lot more success," said Aisha Yaqoob, the founder of the Georgia Muslim Voter Project. The group has a $15,000 annual budget, according to Yaqoob. Its goal: to register 800 new voters by November.
On a recent Saturday morning, Yaqoob leads a seminar on how to register Muslims to vote.
Yaqoob says some Muslim scholars argue voting goes against the Islamic faith, but the Muslim Voter Project gives trainees counter-arguments to take to their mosques.
Yaqoob says foreign policy, particularly in the Middle East, energizes a lot of new registrants. But it's local issues that will keep them coming back to vote, things like "who decides how often your kids go to school, the school bus routes," Yaqoob says.
She says if more Muslims realize how local decisions affect them it could even inspire people to run for office.
"The big thing I would say is, you know, don't hate on us, because we're coming for you at the polls and we are bringing partners with us," Yaqoob says.
Muslims, she says, are just one part of Georgia's growing minority population who will influence politics here for years to come.


text:
from sqlalchemy import create_engine
from sqlalchemy.orm import sessionmaker

from database_setup import Genre, Base, Song, User

engine = create_engine('sqlite:///tempmusic.db')
# Bind the engine to the metadata of the Base class so that the
# declaratives can be accessed through a DBSession instance
Base.metadata.bind = engine

DBSession = sessionmaker(bind=engine)
# A DBSession() instance establishes all conversations with the database
# and represents a "staging zone" for all the objects loaded into the
# database session object. Any change made against the objects in the
# session won't be persisted into the database until you call
# session.commit(). If you're not happy about the changes, you can
# revert all of them back to the last commit by calling
# session.rollback()
session = DBSession()

# create a dummy user
User1 = User(name="Robo Barista", email="tinnyTim@udacity.com",
             picture='https://pbs.twimg.com/profile_images/2671170543/18debd694829ed78203a5a36dd364160_400x400.png')
session.add(User1)
session.commit()

User2 = User(name="Robo HARI", email="tinnadasdHIHDAyTim@udacity.com",
             picture='https://pbs.twimgdaSD.com/profile_images/2671170543/18debd694829ed78203a5a36dd364160_400x400.png')
session.add(User2)
session.commit()

User3 = User(name="Robo 324", email="s234fsdf@udacity.com",
             picture='https://pbs.twimdgdaSD.com/profile_images/2671170543/18debd694829ed78203a5a36dd364160_400x400.png')
session.add(User3)
session.commit()

# Looping genre music dump
loopingGenre = Genre(name = "looping", user_id = 1)

session.add(loopingGenre)
session.commit()

song1 = Song(name = "Retcon",
			band_name = "Mylets",
			country = "US",
			youtube_url = "https://www.youtube.com/watch?v=GJ9OQLovpr4",
			genre = loopingGenre,
            user_id = 1)
session.add(song1)
session.commit()

song2 = Song(name = "Indian Winter",
			band_name = "El Ten Eleven",
			country = "US",
			youtube_url = "https://www.youtube.com/watch?v=mTkPfjSXFpo",
			genre = loopingGenre,
            user_id = 1)
session.add(song2)
session.commit()

song3 = Song(name = "Emulsifaction",
			band_name = "Reggie Watts",
			country = "US",
			youtube_url = "https://www.youtube.com/watch?v=HXhZAigtFTE",
			genre = loopingGenre,
            user_id = 1)
session.add(song3)
session.commit()

song4 = Song(name = "Toe Tore Oh",
			band_name = "Dustin Wong",
			country = "Japan",
			youtube_url = "https://www.youtube.com/watch?v=j1PuWrE9nKY",
			genre = loopingGenre,
            user_id = 1)
session.add(song4)
session.commit()

# Video games genre music dump
videoGameGenre = Genre(name = "video game", user_id = 1)

song1 = Song(name = "Manlorette Party",
			band_name = "Staypuft",
			country = "US",
			youtube_url = "https://www.youtube.com/watch?v=254sCXAaZNE",
			genre = videoGameGenre)
session.add(song1)
session.commit()

song2 = Song(name = "Adventure",
			band_name = "Disasterpeace",
			country = "US",
			youtube_url = "https://www.youtube.com/watch?v=76GnOwHorn0",
			genre = videoGameGenre)
session.add(song2)
session.commit()

song3 = Song(name = "Lone Star",
			band_name = "Jim Guthrie",
			country = "Canada",
			youtube_url = "https://www.youtube.com/watch?v=wOOqdRsbHKA",
			genre = videoGameGenre)
session.add(song3)
session.commit()

song4 = Song(name = "Minecraft",
			band_name = "C418",
			country = "Germany",
			youtube_url = "https://www.youtube.com/watch?v=qq-RGFyaq0U",
			genre = videoGameGenre)
session.add(song4)
session.commit()

# Mathematical genre music dump
mathematicalGenre = Genre(name = "mathematical", user_id = 1)

song1 = Song(name = "Abraxical Solapse",
			band_name = "Physics House Band",
			country = "UK",
			youtube_url = "https://www.youtube.com/watch?v=rdxZ4eoLMn4",
			genre = mathematicalGenre)
session.add(song1)
session.commit()

song2 = Song(name = "Bond",
			band_name = "LITE",
			country = "Japan",
			youtube_url = "https://www.youtube.com/watch?v=BlWiRjIcjOk",
			genre = mathematicalGenre)
session.add(song2)
session.commit()

song3 = Song(name = "40 Rods to the Hog's Head",
			band_name = "Tera Melos",
			country = "US",
			youtube_url = "https://www.youtube.com/watch?v=-FypjUkPfYE",
			genre = mathematicalGenre,
            user_id = 1)
session.add(song3)
session.commit()

song4 = Song(name = "Little Bubble, Where You Going?",
			band_name = "Piglet",
			country = "US",
			youtube_url = "https://www.youtube.com/watch?v=OllEOofj4O8",
			genre = mathematicalGenre,
            user_id = 1)
session.add(song4)
session.commit()


text:
Sport Tennis Why Bernard Tomic needs the Special K's
4:06pm, Jan 17, 2014 Updated: 6:55am, Jan 18
Why Bernard Tomic needs the Special K's
Bruce Guthrie @brucerguthrie
No matter how long Bernard Tomic plays tennis at the highest level, he will surely remember the 2014 Australian Open as one of his career low-points. But if he's smart – and that's a big 'if' judging by some of his public performances – it could be a turning-point.
If the events of the past week haven't provided the wake-up call his professional tennis career demands, he should probably pursue another line of work. Nightclub ownership, perhaps. Maybe a sports-car dealership.
At this point, unlike others, I'm not going to draw a comparison with another tennis under-achiever, Mark Philippoussis. That's because Philippoussis actually had a career and a good one at that.
Sure, it probably wasn't the one his talents promised, but it was still impressive on a lot of levels: Philippoussis made two grand slam finals and helped Australia to a couple of Davis Cup wins. Tomic's way short of that at this point and appears to be slipping further.
I can't think of too many other Australians who've been cheered wildly onto centre court at the Australian Open, only to be booed and jeered about an hour later, as Tomic was last Tuesday.
Bernard Tomic faces the music after his retirement. Photo: Getty
The crowd reaction at Rod Laver Arena had more to do with Tomic's history than the circumstances of the moment. Clearly the player was injured and couldn't go on without risking long-term damage. I got that. But could the injury have had something to do with a lack of proper preparation?
Rightly or wrongly, Tomic's past is catching up with him. As former US Davis Cup captain, Patrick McEnroe, observed: "He (Tomic) hasn't dotted every 'I' and crossed every 'T' off the court (with) his fitness, his training, his regimen, his team around him."
Leaving many, including me, to conclude: If Tomic had been painstaking in his preparation, maybe his body wouldn't have broken down in the first minutes of one of the biggest matches of his life.
A battle-scarred veteran and a couple of very special K's – Kyrgios and Kokkinakis – put him to shame.
But the boos and jeers weren't the only things that should sting Tomic. Elsewhere, a battle-scarred veteran and a couple of very special K's – Kyrgios and Kokkinakis – were putting him to shame.
The comparison with Tomic's limp performance against Rafael Nadal and Lleyton Hewitt's astonishingly brave five-set loss to Italian seed, Andreas Seppi, couldn't have been more stark. The media devoured it and Tomic was forced to call a press conference the next day to defend himself. (Memo Bernard: Never say in public you were "happy" to forfeit. It alienates those who spent money to watch you.)
If the goal of the press conference was to restore whatever is left of his reputation, it didn't work. Tomic came across as a gormless teenager – which is odd, given he's actually 21 now – who doesn't grasp that time is rushing by. Not only that, you can't pick and choose your time. Fate tends to do that for you, a fact recognised by none other than Rod Laver in discussing Tomic late last year.
"If you don't put your best effort in every time, you won't know when the best time is to play your best tennis," Laver said at the launch of his memoir last October when asked about Tomic. He added: "There is no best time."
Of course there isn't. And don't talk to me about daddy issues either. Tomic's an adult now and should behave like one.
But what should be the biggest spur to Tomic's spluttering career came a couple of days after his sad exit from the Open.
Within hours of each other, doubles partners and good mates, Nick Kyrgios and Thanasi Kokkinakis, challenged Tomic in very real ways for the marketing-friendly and extremely lucrative mantle he's enjoyed for five or so years now – the future of Australian tennis.
Seventeen-year-old Kokkinakis was brave and more than competitive against Nadal on centre court while 18-year-old Kyrgios was probably unlucky to lose against French seed, Benoit Paire. Pain and cramp intervened to leave Kyrgios well short of his game. But he was never going to give up, pointedly telling his post-match press conference he was determined to expend every ounce of energy he had on court.
When I heard him say that, I wondered if Tomic had caught it too.
In the hours after Tuesday night's debacle Tomic tried to spin what had gone on. "You've got to look at it as a positive," he said, somewhat bizarrely, "Use it to improve."
I, for one, hope he was serious. Because if Tomic looks in the rear-vision mirror of that sports car he's fond of driving at excessive speeds, he'll see a couple of teenagers gaining on him. Fast.
Meet the stars – Li Na: "My dream is to be a housewife!"


St. Camillus de Lellis was an Italian Priest who founded a religious Order dedicated to caring for the sick. He was born in 1550 in Naples. His mother was nearly sixty years old when she gave birth to him, and his father was an officer in the army and was seldom home. His mom died when he was 13, and family members took him in after her death. At seventeen, he joined his father in the Venetian army and fought in a war against the Turks. After several years of military service, his regiment was disbanded and he worked as a laborer at the Capuchin Friary. He was constantly plagued, however, by a leg wound he received in the army, which would not heal.
Despite his aggressive nature and excessive gambling, the guardian of the Friary saw a better side to his nature and worked hard to bring that out of him. Eventually the guard's kind and gentle nature penetrated his heart, and he entered the novitiate of the Capuchin Friars at the age of 25. Due to his leg wound continuing to plague him, he was denied admission to that Order, as physicians declared his leg incurable. With that being the case he moved to Rome and entered the Hospital of St. James, which cared for incurable cases. He became a caregiver at the hospital, and later it's Director. All of this time, he continued to follow a strict ascetic life performing many penances, such as a constant wearing of a hair shirt. He took on as his Spiritual Director and Confessor, the popular local Priest of the time, St. Philip Neri.
He began to see the poor attention the sick received from the staff of the hospital, and was led to invite a group of pious men to express their faith through the care of patients at that hospital. Finally he felt called to establish a religious community for this purpose. St. Philip Neri his confessor gave him approval for this endeavor, and a wealthy donor provided him with the income necessary to undertake his seminary studies. He was ordained a Priest on Pentecost Sunday, at the age of 34 by the Bishop of Wales, ironically the last surviving Catholic Bishop of Great Britain. Eventually he and his companions moved to the Hospital of the Holy Ghost and assumed responsibilities for the care of patients there.
He founded the Order of Clerks Regular, Ministers to the Sick, better known today as the Camillians. The large red cross on their cassock's remain a symbol of the Congregation today. This was the "Original" Red Cross, hundreds of years before the International Red Cross Organization was formed. Pope Gregory XV was so impressed with his great works he elevated his Congregation to the status of an Order in 1591.
Throughout his life his ailments caused him suffering, but he allowed no one to wait on him, and would crawl to visit the sick when unable to stand or walk. He possessed the gifts of healing and prophecy, and remained Superior General of the Order until he was 57, and then Vicar General. By that time, communities of that Order had spread all throughout Italy, and as far as Hungary. While touring for an inspection of all the hospitals in his Order, he fell ill. He died in Rome in 1614, and was entombed at the Church of St. Mary Magdalene.
St. Camillus de Lellis shows us that a true conversion is possible. He was a wild, aggressive, excessive gambler – that had a true conversion. He spent the rest of his life using his gifts to care for the sick, even forming a religious Order. His great works up until 1614 was the original Red Cross, hundreds of years before the International Red Cross Organization was founded. Because of St. Camillus, we have the International Red Cross today. His life shows us that it doesn't matter what we are doing now, or where we are at on our faith journey, it is never too late to have a conversion and fully embrace our faith in serving others.


Ebenezer Park is a popular destination in York County located on Lake Wylie that was developed in the 1980s. The current park elements have a "piecemeal" layout so the new park master plan is addressing overall flow and connectivity, and to maximize space. The design will also incorporate new amenities that the community and park staff are requesting.
ADC designed a masterplan that includes improved parking, a great lawn for recreational sports, trails, playground, picnic area, kayak launch and beach expansion.


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