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Tata AIA Life - Whole Life Mid Cap Equity Fund
The Tata AIA Whole Life Mid Cap Equity Fund is an open-ended equity fund that allocates most of its capital in equity and equity-related financial instruments. The fund house invests the money by properly analyzing the assets and the financial markets globally and locally.
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The Tata mid-cap equity fund can also invest a portion (0% to 35%) of its AUM (asset under management) in debt and money market instruments. It can also hold cash and cash equivalents if there is no investment opportunity in the current market conditions.
Tata Mid-Cap Equity Fund Facts
The Tata mid-cap equity fund was launched on 15/06/1994 and currently (as of 14/11/2021), it manages around ₹1460 Cr (AUM). Tata Asset Management which was incorporated in 1994, manages this fund. It has a track record of more than 25 years in the investment management business.
The main objective of the Tata mid-cap equity fund is to provide the investors with a good return on their capital and also to provide income distribution. This fund focuses on the long-term and mid-term investment opportunities and allocates the investor's capital in growing mid-cap stocks.
Investments made by the fund and fund managers are mainly focused on companies that can deliver great returns and have the potential to grow their business financially at a good rate.
Asset allocation of the fund
Percentage of Allocation
Equity and Equity Related Instruments in the Mid-cap Segment
Other Equity and Equity Related Instruments
Debt and Money Market Instruments
also Cash / Cash Equivalents
Low to Medium Risk
Here is the fund summary of the fund:
Expense Ratio – For the direct plan is 1.07% and regular plan is 2.46%
Exit Load – 1% (if redeemed before 365 days or switched out amount is more than 12% of the original investment cost)
AUM (Asset Under Management) (Fund Size) - ₹1,460 Cr
Lock-in - No Lock-in period
Age – Operational on 15/06/1994
Benchmark - Nifty Free Float Midcap 100 TRI
Minimum Investment – Minimum SIP (systematic investment plan) starts at ₹500 and Minimum Lumpsum investment starts at ₹5000
Fund Return Summary
Percentage Return
Since Inception (2013) (Direct Plan)
Since Inception (1994) (Regular Plan)
*Returns are subject to change. The investment risk in the investment portfolio is borne by the policyholder.
Some of the benefits and downsides of the fund are:
Low expense ratio
High-Risk Profile
Low exit load
Not suitable for short-term or very short-term investors
Investments in mid-cap stocks - because this segment has higher potential to deliver a greater return as compared to large-cap (but the returns are not guaranteed).
Strategically Diversified portfolio
Performance risk
This fund has the probability of generating a higher return than FDs, Debt and money market instruments.
Benefits of Tata Mid-Cap Equity Fund
The benefits of the Tata mid-cap equity fund are:
Mid-cap stocks: It allocates funds to the mid-cap segment. In the equity and equity-related space, mid-cap has a high probability of generating decent returns. For example, this fund has returned 21.36% since its inception (for Direct plan), which means the value today of a lumpsum investment of ₹10,000 in 2013 is ₹47,054.87, which makes it a 4.705487 X return in 8 years. A SIP of ₹1000 since its inception (for direct plan) would have produced a value today of Rs 233,259, which makes it a 2.4297 X return in 8 years.
Better Returns: This fund has a probability of generating higher returns as compared to conventional investment instruments such as Gold, FDs, Debt and money market instruments. This may also generate a higher return than large-cap funds. But this fund also has a higher risk profile.
Long-term to mid-term time horizon: This fund is suitable for investors who have a long-term or a mid-term investment horizon. Since it is an equity investment, it has a chance of higher volatility risk in the short term. Over a long period, it can consistently generate good returns.
Track Record: Since 1994, this fund has delivered good returns, and the track record can help you understand the performance of the fund and the fund managers. Abhinav Sharma and Satish Chandra Mishra manage this fund. Abhinav Sharma has more than 15 years of experience in the asset management business, and Satish Chandra Mishra has more than 14 years of experience in the asset management business.
No lock-in period: The Tata mid-cap equity fund doesn't have any lock-in period, which means you can withdraw your money as per convenience.
Low exit load and expense ratio: This fund has a low exit load and expense ratio. A low exit load ensures that you don't have to pay a higher charge if you decide to exit the fund. Similarly, a low expense ratio ensures that you don't have to pay a higher charge for investing. These factors make an investment even more beneficial and affordable.
Holdings of the Fund
The top 10 holdings of Tata Mid-Cap equity fund are:
% of Total Portfolio
Voltas Ltd
Tata Power Co Ltd
Mphasis Ltd
Crompton Greaves Consumer Electricals Ltd
Jindal Steel & Power Ltd
Navin Fluorine International Ltd
ICICI Bank Ltd
Page Industries Ltd
PI Industries Ltd
ACC Ltd
*The holdings in the portfolio mentioned above are according to Oct 31, 2021.
To conclude, the Tata mid-cap equity fund is an open-ended and high-risk fund that focuses on investing and allocating its capital in equity or equity-related instruments from the mid-cap segment. This has delivered good and consistent returns since 1994 and Tata Asset Management manages it. However, you must always research before investing.
Q. What is the lock-in period of a mutual fund?
A. The lock-in period of a mutual fund is a period/ time for which the investors cannot sell or redeem their units of that fund.
Q. What is an open-ended fund?
A. An open-ended mutual fund is one in which you can sell or purchase the fund units at any time as there is no restriction on it. These transactions are carried out based on the daily Net Asset Values of the units as declared by the fund house.
Q. What is CAGR?
A. CAGR is Compound Annual Growth Rate. As the name suggests, it indicates the fund's compounded growth rate measured annually over a period.
Q. What is the current allocation in terms of the market cap of the Tata mid-cap equity fund?
A. Large Cap – 22.08%
Mid Cap - 68.44%
Small Cap - 7.9%
Since it is a mid-cap fund, it has a higher exposure in the mid-cap segment.
Q. What is the expense ratio?
A. The expense ratio of a mutual fund is the annual maintenance charge which the fund charges to the investors. This maintenance cost helps the fund to pay the fees of the fund managers, analysts, and other employees.
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Redonda Gail Miller is an American public health leader. After serving as chief resident, vice chair for clinical operations for the Department of Medicine and vice president for medical affairs, she became the first female president of Johns Hopkins Hospital in 2016.

Early life and education
Miller was born to parents Rita Ann and Frank Louis Miller in Wheelersburg, Ohio. She attended Ohio State University for her Bachelor of Science degree with the original intent of becoming an engineer. However, after reflecting on a health crisis during her teenage years, she changed her major to pre-med. Miller graduated from Ohio State in 1988 and obtained her medical degree from the Johns Hopkins University School of Medicine in 1992. She originally intended to return to Ohio and practice cardiology or oncology but chose to remain in Maryland. Miller completed her medical internship and residency at Johns Hopkins Hospital and became an Assistant Chief of Service in 1996.

Career
Miller joined the Johns Hopkins University School of Medicine faculty as an Assistant Professor of Medicine in 1997. After earning an MBA from the Johns Hopkins University, she began undertaking administrative roles, including Associate Program Director for the Osler Medical Residency Training Program, Assistant Dean for Student Affairs, and Vice Chair for Clinical Operations in the Department of Medicine. In 2006, she was promoted to associate professor of medicine and was elected to the Board of Governors of the Johns Hopkins Clinical Practice Association.

In 2009, she was informed that she was a finalist for the position of vice president of medical affairs and was asked to come in for multiple interviews over three days. She was officially granted the position and was appointed to it on July 1, 2009 and was succeeded by Sarah Clever as Assistant Dean for Student Affairs. In 2015, Miller was appointed to the position of senior vice president for medical affairs for the Johns Hopkins Health System. The following year, she became the first women president of Johns Hopkins Hospital. In this role, she organized the creation of care-coordination bundles, reduced the prescriptions of opioids, oversaw the launch of a high-value care committee, and advanced policies to promote more gender diversity.

In October 2020, Miller was elected a Member of the National Academy of Medicine.

Personal life
Miller and her husband, pulmonologist Albert Polito, have two daughters together.

References

Living people
People from Wheelersburg, Ohio
Year of birth missing (living people)
Ohio State University alumni
Johns Hopkins School of Medicine alumni
Members of the National Academy of Medicine
21st-century American women physicians
21st-century American physicians

redpajama_set_name: RedPajamaWikipedia


- binary size: for me until 3M for an app it is "Lite"
spring, who uses only spring-ioc and not context or more?
implementations so seems the fight is not on the right side to me.
> do with Light : it's the entire thing that can bootstrap in SE. Good.
> So what is Lite for you guys ?
>>> EJB-lite actually support the entire thing, except for deprecated stuff).
>>> I think if we define SE properly we won't have a need for this.
>>>> what obstacles do you see in archieving this ?
>>>> InjectionProvider, so it bootstraps the all thing) ?
>>>>> citizen DI in their spec.
>>>>>> > and their answer for not adopting CDI was "too heavy".
>>>>>> the work for their own DI solution already done.
>>> intellectual property rights inherent in such information.


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New look and voice for Del Mar races this summer
Larry Collmus will announce this summer at Del Mar, taking over for Trevor Denman.
(K.C. Alfred/The San Diego Union-Tribune)
No fans in the stands and a new track announcer, with Larry Collmus filling in for Trevor Denman
By BILL CENTER
Back in 1984, when Trevor Denman was beginning his record 36-year run of calling almost every race at the Del Mar Thoroughbred Club, 17-year-old Larry Collmus was a high school student mimicking race callers at tracks near his Maryland home with one of those crazy dreams.
"I had fallen in love with horse racing and the characters around the sport two years earlier when I was with my dad at Timonium Race Track," Collmus said earlier this week.
His dad installed and operated the sound systems at Timonium and the Maryland State Fair. Part of Larry's job was to sit in the press box and listen to the calls of every race to make sure there were no blips in the sound system.
"I became fascinated with race callers and what they did," Collmus recalled. "I started practicing in the press box. I'd watch highlight shows and do my own calls. I bought some binoculars. I taped my calls and worked to improve."
His efforts and skills did not go unnoticed. In 1985, a year after Denman's run began at Del Mar, Collmus was given his first chance to call a race at Bowie. He was 18. And he called one race a day ... but he was the youngest race caller in horse racing.
Now, fast forward to the summer of 2020 ...
Collmus will be substituting for Denman at Del Mar for the 28-day summer meeting that begins at 2 p.m. today without fans in the stands.
Denman and his wife Robin elected to remain home at their Minnesota farm due to health concerns stemming from the COVID-19 pandemic. Denman plans to return for the fall season.
"Trevor and I have exchanged emails," said Collmus. "He wished me luck."
Although Collmus has worked on the East Coast for the majority of his 35 years in the race-calling profession, the Baltimore native and Denman have crossed paths many times.
"Trevor and I worked together in 1988 at Golden Gate Fields," said Collmus. "I did the first three months and Trevor did the last two after the end of the Santa Anita season."
Since 2011, Collmus has called the Triple Crown races and the Breeders' Cup for NBC Sports, including the 2017 Cup from Del Mar.
Collmus said his style "is and isn't" similar to Denman's.
"There is a Denman influence probably from the years of listening to his work," said Collmus. "I'll announce more fractions, because that is an East Coast style. Denman is the master of picking out a horse early in a race and noting when that horse makes a move ... that is a gift."
In addition to his national television work, Collmus had been the race caller for the New York Racing Association (Belmont Park, Saratoga and Aqueduct) for five seasons through the end of 2019 when his contract was not renewed. He has also been the race caller at Churchill Downs, Gulfstream Park, Monmouth Park and Suffolk Downs.
Collmus says calling American Pharoah's Triple Crown sweep for NBC in 2015 is the highlight of his career.
"It had been 37 years since the last Triple Crown champion," said Collmus. "In the Belmont Stakes, you know you are recording history. It was exciting. And you work the story line, sharing the history as best you can."
Collmus then called a second Triple Crown three years later with Justify.
Collmus arrived Wednesday in San Diego and spent the past two days familiarizing himself with the 1-mile oval and the many sets of riding silks he'll be seeing for the first time at Del Mar.
"It is going to be different," he said of a season that will start without fans in the stands. "I do draw from the energy of the fans. I called the Belmont Stakes (June 20) from the empty stands. It was eerie."
But Collmus said he hears little from the stands between races.
"There is a lot of remembering going into a race, then immediate forgetting once it is run," he said.
Unlike other sports where the rosters stay constant throughout the day, the lineups change every 30 minutes or so in horse racing.
"Moving from one race to the next to the next is a constant brain exercise," said Collmus. "The key is the jockey silks. I keep a color program of jockey silks in my iPad. Then you do a crash course going over the jockeys, the jockey silks, the post positions and the style. You need to know who is breaking fast and who is coming from off the pace.
"The toughest thing for me right now is the West Coast jockey silks I will be seeing for the first time. I've already seen some of the more powerful combinations."
As for the race call itself, Collmus said the toughest part is the far turn as he is looking head-first into the field.
"It's closer here than at Belmont Park," he said. "But for several seconds, you have to remember exactly where everyone was as they made the turn."
Collmus will miss Del Mar's final weekend (Sept. 4-7) to call the rescheduled Kentucky Oaks and Kentucky Derby at Churchill Downs and fulfill a prior commitment to work on Labor Day at Kentucky Downs.
Shutdown at Los Alamitos?
The California Horse Racing Board has called an emergency meeting today to discuss the possibility of shutting down Los Alamitos Race Course temporarily in light of a rise in horse deaths, the Los Angeles Times reported. Since May 26, nine horses have died as the result of racing and training at the Orange County track, bringing the total to 21 since the season started Dec. 27. Twelve of the 21 were quarter horses; the other nine were thoroughbreds.
Del Mar's 81st summer season
When: Friday through Sept. 7, with racing Fridays through Sundays, plus Monday, Sept. 7.
Where: Del Mar Racetrack, Del Mar Fairgrounds. Closed to the public.
Post time: 2 p.m. daily.
Where to wager: Due to the COVID-19 pandemic, fans are not permitted at Del Mar and satellite wagering facilities in San Diego County are also closed. The closest open facility is OC Tavern, 2369 S. El Camino Real, San Clemente. Account wagering is available online and through mobile apps such as TVG, TwinSpires and Xpressbet.
Main telephone: (858) 755-1141
On the web: www.delmarracing.com
On the air: TVG
-- Bill Center is a reporter for The San Diego Union-Tribune
BILL CENTER

redpajama_set_name: RedPajamaCommonCrawl


Max: The Curse of Brotherhood is a cinematic adventure filled with action-packed platforming and creative puzzle-solving. Armed with only a Magic Marker, Max must confront evil at every turn in a hostile and fantastical world in order to save his kid brother, Felix. Fortunately, the Magic Marker has the power to bend the elements and create magic objects that can help Max on his quest. Join Max on the greatest adventure of his life!
Occasionally the spectacle will get in the way of the gameplay, though. This is due to some Uncharted-like action sequences that have players running away from giant monsters or attempting to do some daredevil stunts to survive.
Max: The Curse of Brotherhood may be a few years old now, but though its visuals don't always hold up, its gameplay certainly does. The ingenuity of the physics and puzzles in the game allow for some truly mind-boggling moments at times, while the exhilarating chase set-pieces will set your heart racing. Its price tag is a little steep, but de-pen-ding on your passion for puzzle platformers, it's a good buy.
While Max: The Curse Of Brotherhood does have a good story, it has too many downfalls to forgive. The platforming just isn't up to par, and the checkpoints will have you throwing your controller at a wall in no time.
Despite some glimmers of promise and some relatively fun mechanics, this isn't really going to establish itself as a classic in the platformer space, but that said it does perform well and has a lot to see if you need something to entertain yourself with for a few hours.
Max: The Curse of Brotherhood has great level design that squanders its puzzles, beautiful artwork that wastes its characters, and gameplay that ranges from boring to being a bit broken. Truth be told, though, it does manage to pull you back in just as you were getting ready to leave. Sadly, it's unlikely anyone will have the patience to see it all the way through, as so much of the game is spent fighting the bad puzzle design and the atrocious platforming.
Max : The Curse of Brotherhood n'a pas pris une ride : toujours aussi amusant et plaisant, le jeu agace par sa difficulté parfois mal jaugée, autant qu'il surprend par ses nombreuses bonnes idées.
Sonuç olarak Max: The Curse of the Brotherhood'u daha önce oynamadıysanız Nintendo Switch versiyonuna bir şans verebilirsiniz. Daha önceki versiyonlarını oynama şansım olmamıştı ama Nintendo Switch'in mobil olarak da oynanabilmesi, oyunu daha oynanabilir kılmış diyebilirim. Zaten konsolun bu oyun için en büyük avantajı da kısacası bu olmuş. Diğer taraftan oyunun tarzı ve yapısını göz önüne aldığımızda daha çok ufak yaştaki oyuncuların keyif alacağını da söyleyebilirim.
Omdat de game niet duur is, kunnen we spreken van een goede prijs/kwaliteitsverhouding. Er valt genoeg te beleven in de wereld van Max en de krachten worden geleidelijk vrijgespeeld, waardoor het niet gaat vervelen. Met zes tot zeven uur aan gameplay duurt de game niet heel erg lang om uit te spelen al zijn er wel objecten die je kunt verzamelen wat voor wat extra uitdaging en speeltijd zorgt. De game moet het met name hebben van zijn creatieve gebruik van de stift en de leuke Pixar-achtige stijl, maar de puzzels zijn uitdagend en gevarieerd genoeg om je te laten blijven spelen. Al met al is het een erg leuke game voor een goede prijs.
Ben je iemand die houdt van hoesjes in de kast? Ja, dan is Max The Curse of Brotherhood zeker een aanwinst. Geef je niets om doosjes, dan kun je beter op een aanbieding online wachten. De game is goedkoper digitaal en vast en zeker ook nog wel eens in de sale op bijvoorbeeld Steam of in de PlayStation Store. Maar dat je de game eens geprobeerd moet hebben, dat staat buiten kijf. Een charmant avontuur is wat je te wachten staat.


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How can Manufacturers and Dealers Navigate Electrification in the Transportation Industry
Electrification is on the rise within the transportation industry for various reasons. A growing number of equipment manufacturers, dealers, and end users are therefore needing to invest in electrified logistics transport, and transition solutions.
Here we look at some of the key drivers of the electrification trend in transportation and the best ways for vehicle manufacturers and dealers to support their customers to finance their demand for electric buses, LCVs (Light Commercial Vehicles), last mile delivery trucks, and other goods transport related assets, such as trailers and cooling units.
Legislation and reduced emission goals accelerate adoption of electric vehicles
In many countries around the world, legislation, and emissions restrictions are already driving the transition to electrification, and this will undoubtedly continue. Electrical vehicles will become compulsory in certain areas, leading to fast widespread adoption, and the growing need for transition solutions and the associated infrastructure, such as charging stations.
The Netherlands government, for example, has declared that logistics transport in Dutch cities must be emission-free by 2025, and that from 2030 there will be a ban on combustion engine sales, with all road transport to be emission-free by 2050.
In the USA, the state of California issued a mandate, requiring all commercial trucks sold in the region to be zero-emissions by 2045. Shortly after, 15 additional US states made a similar commitment to zero-emissions trucks by 2050*.
Business sustainability goals and climate change
For many businesses, electrification will be a key part of their ongoing push towards sustainability. There is a growing appetite for sustainable solutions from equipment users and buyers. DLL supports this, with a focus on sustainable business models that marry profitability for our partners with environmental and social benefits, while enabling companies to invest in 'greener' transportation assets.
Expansion of available products and resulting competitive growth
Given the simplicity of how an electric vehicle is manufactured, compared to a vehicle with an internal combustion engine (ICE), the manufacturing process will have a knock-on effect all the way down the supply chain.
One of the main challenges within the truck market is to achieve affordable total cost of operations, while adopting new, expensive technologies. However, after the initial investment, businesses can anticipate future savings, due to the elimination of fuel costs and the decreased level of maintenance required.
The challenges of investment
Electrification and automation are the two areas receiving the highest investment in the transportation sector, a trend also seen in the wider automotive industry. DLL is at the forefront of emerging technologies, and therefore already offers finance solutions for electric vehicle suppliers, as well as solutions to support the cost of additional services such as charging infrastructure, tires, roadside assistance, telematics, repairs, and maintenance.
For many businesses, upfront investment in new technologies is the key challenge, and quite often, there is insufficient cashflow available to fund the transition to electric vehicles outright. DLL finance solutions help support these businesses, transforming their investment from CAPEX, to an OPEX solution, with manageable monthly fees that simplifies the change, and justifies the financial investment.
However, flexibility remains critical, as solutions for the electric transition today may not be the right match a few years down the line as technology evolves. Businesses will therefore need continued financial support to invest in new sustainable solutions as they emerge.
Clean energy. Clean Technology.
Clean energy, and clean technology are an important part of DLL's business model, so there is a strong desire to help fund the transition to fully electric vehicles. Below are two examples of partnerships that DLL has developed, which demonstrate this.
DLL working in partnership with Xos Trucks
Xos Trucks is a leading manufacturer of fully electric commercial vehicles and is working in partnership with DLL to provide financing for electric trucks. The partnership is designed to enhance the transition from traditional diesel-powered trucks to electric-powered, at a time when the focus on climate change is magnified and regulation are intensifying, pushing businesses to strive towards achieving zero emissions.
DLL working in partnership with Picnic
Online supermarket, Picnic, is growing fast with its green mass-market approach to online grocery shopping. When Picnic continued to expand its German operations in 2019, they turned to asset financing specialist DLL to help finance its large fleet of delivery vehicles. At the time, Picnic was buying all of its vehicles with cash, so substantial capital was tied up in their fleet.
DLL helped the company free up cash from its existing electric fleet to finance its growth strategy, and provided additional financing for new delivery vehicles to meet Picnic's upsurge in demand.
The scale of this project was unique and DLL spent time understanding the electric vehicles, which are not yet standard assets. With Picnic growing its fleet very rapidly, it's been a challenge to get all of the pieces in place, the lease structures and documents, invoicing and equipment delivery processes, but DLL was able to provide the financing they needed, when it really made a difference.
How DLL Helps Manufacturers and Dealers in the Transportation Industry
DLL supports customers in the transition towards a zero emissions fleet, by enabling manufacturers and dealers to offer their customers tailored finance package to cover investment in new vehicles, as well as charging infrastructure, fleet maintenance, fleet management, and retrofit solutions, such as converting diesel engine vehicles into those with electric battery powered engines.
As a business, we have already begun to build solid professional and mutually beneficial relationships in the electric commercial vehicles market to offer further knowledge and support to manufacturers, dealers, and end users.
Well-informed, with a sophisticated view on asset costs, life cycles and associated residual values, to stay ahead of the curve, DLL offers flexible, up-to-date solutions to help customers stay at the forefront of the latest transportation trends. This includes a range of mobile and digital solutions for online buying and leasing.
With a global footprint, the expert DLL team also offers multinational support for businesses worldwide, including global master lease agreements that can cover multiple countries, regions, brands, and asset types. DLL also offers pay-per-use (PPU) leasing options to help customers achieve greater cost and revenue alignment for their businesses, as well as significant operational flexibility.
The E-Mobility program from DLL Rabobank
DLL has an E-Mobility program with Rabobank, with an aim to build new commercial propositions to support customers in their transition towards a zero emission fleet.
A recent questionnaire carried out by the companies revealed that the transition towards a zero emission fleet was already on the agenda for 53% of respondents. It also revealed the preferred route was identified as making small vehicle investments at one time via a lease, with charging infrastructure included. Together DLL and Rabobank hope to offer businesses an interesting proposition including financing, charging infrastructure, fleet maintenance, fleet management and more.
To discover more about the trend towards electrification in the transportation industry, and to learn how DLL can help you, please get in touch with Michael Hart (New Business Development Americas) or Martin Joli (Global Head New Business Development), or visit our DLL Transportation solutions page for more information.
*PowerMag - https://www.powermag.com/top-utility-considerations-for-truck-electrification/
BlogTransportation
Feeding the Appetite to buy and Lease Transportation Equipment Online, and Much More
DLL is committed to driving lasting solutions for asset finance in the transportation sector. Here, we talk to Neal Garnett, President of the Global Business Unit for Construction, Transportation and Industrial, to learn more about how DLL delivers innovative financial solutions that meet the unique needs of manufacturers, distributors, dealers, and users of transportation equipment.
Read>
Customer StoriesFleet Solutions
Flexible financing bolsters growth for Picnic
Online supermarket Picnic is growing fast with its green mass-market approach to online grocery shopping.
Customer StoriesConstruction
Willowbrook Plant: Proud to be a One-Stop Shop
As an official dealer for Mecalac, Hyundai and Takeuchi, Willowbrook Plant supplies heavy equipment to the construction industry in central England. The company prides itself on being a one-stop shop for sales, service and aftercare. After seeing turnover triple from 2013 to 2019, Willowbrook is now tackling the challenges of doing business in the era of COVID-19.
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In this blog, we will discuss ways in which you can convert your basement into a movie theater.
To begin with, you have to decide where your movie screen will go. This is a very crucial decision as it will determine the layout for the rest of the room.
When choosing the wall where the screen will be set up, it is important to take into consideration the viewing distance. For a 50-60 inch screen, the viewing distance should be around 10-15 feet. For a much larger screen of about 110 inches, the distance would be about 25 feet.
Make sure that there isn't a lot of sunlight on your movie screen. Either choose a different wall or put up an adequate amount of blinds and curtains to avoid direct sunlight.
When choosing the screen wall, ensure that there is plenty of space left in the room for other leisurely and entertaining activities. The latter should not interfere or interrupt the movie watching experience.
It is important to be considerate when making your very own movie theater. Make sure you do not become a nuisance to your family upstairs or your neighbors every time you decide to watch your favorite flick.
If you cover the floor concrete with carpet and sub-wood flooring, sound waves will not be able to bounce off the floor. Similarly, to sound-proof walls that are made up of cement blocks, you can cover them with wood panels, drywall or sheet-rock. Overall, fabric wall panels are the best way to soundproof a room. Other materials such as Roman fabric shades, upholstered furniture, draperies, rugs etc. are also excellent sound absorbents.
You may wish to enjoy your TV viewing experience with the help of an antenna, traditional cable or satellite. You may also wish to use all three. Whatever your preferences, in order to connect them to the screen, you need coax cabling.
When setting up the cable lines for your system, it is advisable to create more than one. This way, you have the option of setting up the line of your choice. Furthermore, you also have the option of setting up more than one movie theater system in your basement.
Undoubtedly, this is perhaps the most important decision that you will have to take when it comes to your home theater system. While you may be quick to buy the biggest screen within your budget, it is better to talk to few consultants first. They will tell you that the size of your theater screen will directly depend upon the distance between the screen wall and the seating area. Of course, if you are looking for movie hall experience, it is better to buy a video projector.
When deciding upon the sound system, it is better to go for in-built ceiling and wall speakers because they provide excellent sound quality. Furthermore, they raise the aesthetic value of your basement as there are no exposed wires.
To raise the beauty of your room even more, you could keep your system inside media cabinets which would give it a cleaner look.
Converting your basement into a movie theater can be a tricky business. If you live in Georgia, US, and are looking for a basement contractor in Atlanta, there are plenty of professional construction companies in your area that offer world-class services at affordable prices.


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NBA Atlantic Division
By The Associated Press Jun. 03, 2019 04:08 AM EDT
NBA TORONTO (AP) — Klay Thompson scored 25 points before leaving with a hamstring injury, Stephen Curry had 23 and the Golden State Warriors ran off...
AP Sportlight
May 19 1910 — Cy Young, the career leader in major league victories, wins No. 500 as the Cleveland Indians defeat Washington 5-4 in 11 innings. ...
Thursday's Sports In Brief
By The Associated Press Feb. 15, 2019 03:43 AM EST
AUTO RACING DAYTONA BEACH, Fla. (AP) — Kevin Harvick and Joey Logano won the Daytona 500 qualifying races in a pair of Ford sweeps that have the new...


Fast Flip Racetrack – HUZZAH!
Watch your race cars flip over one another as they come racing down!
Make Fast Flip Racetrack a part of your playroom race course. Which of the race cars do you think is the fastest? Race them all and record the results!


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Nicki Minaj New Single 'Only' Artwork
You know this is will be fire, I mean 'Anaconda' went platinum! Get ready for the release of 'Only,' the third single from Nicki Minaj's upcoming album The PinkPrint. which features Drake, Lil Wayne, and Chris Brown and drops tomorrow, Tuesday October 28. The PinkPrint is out in just over 3 weeks on November 24. 'I think the album is so classic. It's gonna feel so good and I think it will probably be something that female rappers look to as a PinkPrint for years to come,' Nicki boasts. Cannot wait!


This architect-designed home 3 bedroom home is on a charming walk-street, a few steps away from the sand....the perfect way to soak up everything that Venice Beach has to offer.
Location, location, location! Walk or bike to some of LA's hippest restaurants & bars. Venice Beach hot spots at Abbot Kinney, Main and Rose Streets are all just minutes away. Stock up on wholesome essentials at the neighborhood Whole Foods Market; have a scream at the Santa Monica Pier; splurge at the Third Street Promenade; catch the latest flick at Marina del Rey! Its all so near. And if you drive, the house comes with TWO parking slots for you and your guests!
- This 3 bedroom / 2 full + 2 half baths, is decked with brand new luxury beddings, linen and towels.
- Its got technology- a 60' flat screen LED TV in the living room, LED TV's in every room; Direct TV, Apple tv, iPads, Playstation and free Wifi.
- Hang out at the sun drenched living room. Cozy sofas, chic new furniture.. and a fireplace! All under amazing skylights and soaring ceilings.
- The dining table sits 8-10. Right beside it is a balcony breakfast area with a view of the beach that sits 6.
-A garden deck at street level... chill out here after a day at the beach!
-And a fabulous roof deck.... lounge or entertain in this amazing space with beach and ocean views. It is set up with a barbecue grill, the coolest deck furniture, and a even a firepit for those chilly Venice Beach nights!
And did we mention that there is an elevator?


to W., about 26 miles; area, 629,912 ac., pop. 272,555. Although the surface appearance of the county is generally hilly there are no elevations of considerable altitude, the highest being near Daventry, where Arbury Hill reaches 804 ft. The NE. part of the county belongs to the Fen district. In some localities, particularly the W. and SW., the scenery is especially attractive; while here and there throughout the co. rich woods and well-watered vales afford pleasing aspects. The chief rivers are the Nen and the Weiland; the Avon forms a part of the N. boundary of the co., the Cherwell of the SW. boundary, and the Learn of the W. boundary; the Ouse has its rise near Brackley in the S. The canal system includes the Union and Grand Junction Canal, besides other similar waterways. On the uplands the soil is a fine brown loam, but the richest portion is found in the black mould of the Fen district. Throughout the whole co. farming is successfully prosecuted, all kinds of cereal and green crops being raised; while upon the splendid pastures large numbers of cattle are reared, principally for the London market. (For agricultural statistics, see Appendix.) Northampton is celebrated for its ash trees, old oaks, and elm avenues. Lias and oolite are the prevailing geological formations. Iron is largely found, and although worked as early as the time of the Roman occupation, its modern mfr. dates only from 1850, since which year remarkable progress has been made by the encouragement of the industry and its consequent productiveness. Apart from ironworking, the great industry of the co. is centred in the mfr. of boots and shoes in the town of Northampton and the towns of the middle of the co. Northamptonshire contains 20 hundreds, 344 pars, with parts of 4 others, the parl. and mun. bor. of Northampton (2 members), part of the parl. and mun. bor. of Peterborough (1 member), the mun. bor. of Daventry, and part of the mun. bor. of Stamford. It is almost entirely in the diocese of Peterborough. For parliamentary purposes the county is divided into 4 divisions - viz., Northern, Eastern, Mid, and Southern, 1 member for each division.
Northamptonshire is now part of Northamptonshire county. Click here for graphs and data of how Northamptonshire has changed over two centuries. For statistics about Northamptonshire itself, go to Units and Statistics.
Northamptonshire -- but you should check this covers the area you are interested in.
GB Historical GIS / University of Portsmouth, History of Northamptonshire | Map and description for the county, A Vision of Britain through Time.
Click here for more detailed advice on finding places within A Vision of Britain through Time , and maybe some references to other places called " Northamptonshire ".
To buy historical maps of Northamptonshire, click here!


Working with others to achieve your family educational goals is not merely a question of utility. Gathering together in the name of Christ to pursue wisdom is an exercise in solidarity. We provide the opportunity for solidarity by fostering a community of home educators, by providing tools to create and maintain co-ops in local communities, and by creating an online Academy where kids can come together with great teachers to pursue truth.
Community begins at home with shared experiences and conversations between parents and children. We provide the tools for creating a family-centered learning environment.
Through consultations, workshops, forums and blogs, and regular online "check-in" meetings with other parents, we welcome families into the community of home curriculum users.
Co-ops keep things local. We provide the tools to establish, manage, and grow local co-ops across the country.
The Online Academy is more than just classes ~ there is room for fun, real friendships, and shared quest for wisdom.
Click on the Journal link below to see what is happening now.


text:
Station Olszamowice was een spoorwegstation in de Poolse plaats Olszamowice.

Olszamowice


We're teaming up with Three Ponds Wines and Sydney Brewery for a special Grape vs. Grain showdown.
It's up to all of you to settle the great debate - beer or wine?
After this year's successful Beer and Curry nights as well as Wine and Spice, we're undecided which is a better match for Mekong's award-winning cuisine.
Take a stroll along Chippendale's Kensington Street and the aromatics permeating from Mekong will grab your attention well before any site of the actual restaurant. Serving up an inventive fusion of South-east Asian cuisine (awarded Best Asian Restaurant 2017), at Mekong it's all about celebrating Indochina's most highly prized spices, including cinnamon, star anise, peppercorns and more.


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Boy (Eigenschreibweise BOY) ist ein Musikduo, das aus der Zürcher Sängerin Valeska Steiner und der Hamburger Musikerin Sonja Glass besteht.

Geschichte
Die beiden Musikerinnen lernten sich 2005 beim Popkurs der Hochschule für Musik und Theater in Hamburg kennen und gründeten die Band im Jahr 2009. Nachdem sie 2010 ihre erste EP Hungry Beast selbst herausgebracht und sich ihr Publikum zunächst vor allem im Rahmen von Konzerten erspielt hatten, wurden sie 2011 von Grönland Records unter Vertrag genommen. Dort erschien im Herbst 2011 auch das Debütalbum Mutual Friends, welches von Philipp Steinke produziert wurde.

Das Debütalbum stieg auf Position 14 in die deutschen Charts ein. Nach dem Auftritt in der TV-Sendung NDR Talk Show am 9. September 2011 landete es bei iTunes in den Top 3 und bei Amazon auf Platz 1 der Sales Charts. Im November 2012 wurde dem Duo eine Goldene Schallplatte überreicht.

Boy gewannen 2011 den Hamburger Musikpreis HANS in der Kategorie Hamburger Nachwuchs des Jahres und 2012 den EBBA. Im Jahr 2015 erhielt das Team um Boy den HANS in der Kategorie Beste Künstlerentwicklung.

In dem europaweit ausgestrahlten Werbespot "Nonstop You" der Lufthansa war Little Numbers zu hören. Im Juli 2013 erreichte der Song außerdem Platz 4 der japanischen Billboard Hot 100.

Am 21. August 2015 erschien ihr zweites Album We Were Here, das in Deutschland und der Schweiz den dritten Platz der Charts erreichte.

2016 wurde ihnen der VUT Indie Award in der Kategorie Bestes Album für We Were Here verliehen. Im selben Jahr gewann Sonja Glass, Komponistin und Bassistin des Duos, den  Deutschen Musikautorenpreis in der Kategorie Komposition Pop.

Im Jahr 2018 veröffentlichte die Band das Album Acoustic Collection, eine Sammlung von Akustik-Versionen einiger Songs der ersten beiden Alben.

Im Juli 2020 schrieb die Band auf ihrer Instagram-Seite als Antwort auf einen Kommentar, dass bald mit einem neuen Album zu rechnen sei, ohne dabei weitere Details bekannt zu geben.

Stil
Der Stil des Duos wird als eingängiger, moderner, aber individueller Pop beschrieben, der an die Musik von Feist erinnert.

Trivia
Als Studiomusikerin (Bass) hat Sonja Glass sieben Songs auf dem 2016 veröffentlichten Album Hamburg Demonstrations von Peter Doherty eingespielt. Auch sind bei dem Lied Kolly Kibber Valeska Steiner und Sonja Glass als Hintergrund-Sängerinnen zu hören. Laut dem Produzenten Johann Scheerer habe sich die Kollaboration eher zufällig ergeben, die Band Boy arbeitete zur gleichen Zeit an ihrem zweiten Album We Were Here in seinem Studio, wie er mit Doherty an dem Song.

Diskografie
 2010: Hungry Beast (EP)
 2011: Mutual Friends (Album, Grönland Records)
 2015: We Were Here (Album, Grönland Records)
 2018: Acoustic Collection (Album, Grönland Records, RSD 2018)

Musikvideos
 2011: Little Numbers
 2012: Skin (acoustic)
 2012: Drive Darling
 2013: Oh Boy
 2015: We Were Here
 2016: Fear

Auszeichnungen
 2011: Hamburger Musikpreis HANS in der Kategorie Hamburger Nachwuchs des Jahres
 2012: EBBA und Goldene Schallplatte für das Album Mutual Friends
 2016: Deutscher Musikautorenpreis für Sonja Glass
 2016: VUT Indie Award in der Kategorie Bestes Album für We Were Here

Nominierungen
 2016: 1LIVE Krone in der Kategorie Beste Band

Weblinks

 Offizielle Website

Quellen

Deutsche Band
Duo (Musik)
Multinationale Band
Popband


Small but very sporty – that's Brillantmont!
Did you know that Lausanne is home to the Olympic Committee and what's more, will welcome the Youth Olympic Games in 2020? So, what better place to enjoy a full sports programme?
Brillantmont is a small, family school but sports are key to school life, not only for improving physical well-being and health but also for developing soft skills.
The sporting year at Brillantmont is rich in diversity as we aim for students to try many different sports. With an excellent range of sports facilities on campus, plus those of the city and lakeside, the programme is varied and fun.
As temperatures rise, students head outside, enjoying the fresh air and sunshine, playing more tennis, beach-volleyball by the lake or in the athletics stadium.
Living in the city means students can enjoy famous Lausanne sports events, such as the Midnight Run, where hundreds of Father Christmas figures run through the old town. Over a third of the school ran the popular Lausanne 10km and 20km, with fantastic results and we have the fun filled Colour Run to look forward to in autumn.
Students are in the throes of examinations right now. Their success will determine certain paths in life and for many; there's a lot of stake. The Roman poets got it right when they said, "mens sana in corpore sano." Sports are a great way to forget the stresses of the day, to disconnect from academics for a while and to enjoy developing a new skill.


Lake Nasser is the largest artificial man-made lake in the world; it is start from North of Sudan till Aswan south of Egypt along 650 KM; Now you can enjoy with monuments and temples as well the birds when you sail with Lake Nasser cruise.
As the worlds largest man-made lake, Lake Nasser is over 300 miles long and, in places, can reach a depth of 600 feet. The lake was created in the 1960s when the world famous High Dam was built. Together with the old Aswan Dam (built by the British between 1898 and 1902) it provides irrigation and electricity for the whole of Egypt. It was named after Gamal Abdel Nasser, Egypt's President from 1956-1970. Part of the area Lake Nasser covers today was once the site of the temples of Abu Simbel, built by Ramses II around 1200 B.C. The temple was moved but other sites of historical significance were submerged. Today, 32 species of fish, as well as Nile River crocodiles, are found in the lake, with 80,000 tons of fish a year being caught. The shoreline varies between desert landscapes, to being hilly and rugged, or flat and sandy with clean freshwater beaches. The lake is remote and sparsely populated by peasant fishermen and Bedouin camel and sheep herdsmen who are occasionally seen grazing their flocks on the scant vegetation at the edge of the lake. There is an impressive variety of birds, mammals, and reptiles, with more than 100 species of birds having been recorded. Wild duck, Egyptian geese, pelicans, herons, egrets and various species of hawks, kites, falcons and eagles will be among the birds seen.


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Q: Dynamically updating VivaGraph JS I'm using VivaGraph to create a graph on my webpage as per some data. I used a websocket connection to receive the data(its an infinite data stream). I want to update my graph based on the data received but I'm not able to figure out how.
For example:
Suppose my graph currently that I can see on the screen is A----B
The next date received says that now there's a node C that's linked to B and the link from A to B has been deleted.
How do I do this on the same graph efficiently? That is: Now, I can see B----C
Thanks

A: The graph can be updated in real time after rendering without any problems or using graph.beginUpdate() and graph.endUpdate().
The problem and the errors seem to lie only in cases where an exception is risen, such as adding a node that already exists or removing a link that doesn't. Make sure that there are no exceptions using normal if conditions and the graph will work perfectly in real time.

redpajama_set_name: RedPajamaStackExchange


What should I complement my Lavastone Black Cybex Balios S Pushchair with?
The Cybex Carrycot S (Lavastone Black) is the perfect accessory to complement the Cybex Balios S Pushchair. We would also recommend the Cybex Footmuff (Black).


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Haiti ( (listen); French: Haïti [a.iti]; Haitian Creole: Ayiti [ajiti]), officially the Republic of Haiti (French: République d'Haïti; Haitian Creole: Repiblik d Ayiti), and formerly known as Hayti, is a country located on the island of Hispaniola in the Greater Antilles archipelago of the Caribbean Sea, to the east of Cuba and Jamaica and south of The Bahamas and the Turks and Caicos Islands. It occupies the western three-eighths of the island which it shares with the Dominican Republic. To its south-west lies the small Navassa Island, which is claimed by Haiti but is disputed as a United States territory under federal administration. Haiti is 27,750 km2 (10,714 sq mi) in size, the third largest country in the Caribbean by area, and has an estimated population of 11.4 million, making it the most populous country in the Caribbean. The capital is Port-au-Prince.
The island was originally inhabited by the indigenous Taíno people, who originated in South America. The first Europeans arrived on 5 December 1492 during the first voyage of Christopher Columbus, who initially believed he had found India or China. Columbus subsequently founded the first European settlement in the Americas, La Navidad, on what is now the northeastern coast of Haiti. The island was claimed by Spain and named La Española, forming part of the Spanish Empire until the early 17th century. However, competing claims and settlements by the French led to the western portion of the island being ceded to France in 1697, which was subsequently named Saint-Domingue. French colonists established lucrative sugarcane plantations, worked by vast numbers of slaves brought from Africa, which made the colony one of the richest in the world.
In the midst of the French Revolution (1789–99), slaves and free people of color launched the Haitian Revolution (1791–1804), led by a former slave and the first black general of the French Army, Toussaint Louverture. After 12 years of conflict, Napoleon Bonaparte's forces were defeated by Louverture's successor, Jean-Jacques Dessalines (later Emperor Jacques I), who declared Haiti's sovereignty on 1 January 1804—the first independent nation of Latin America and the Caribbean, the second republic in the Americas, the first country to abolish slavery, and the only state in history established by a successful slave revolt. Apart from Alexandre Pétion, the first President of the Republic, all of Haiti's first leaders were former slaves. After a brief period in which the country was split in two, President Jean-Pierre Boyer united the country and then attempted to bring the whole of Hispaniola under Haitian control, precipitating a long series of wars that ended in the 1870s when Haiti formally recognized the independence of the Dominican Republic.
Haiti's first century of independence was characterized by political instability, ostracism by the international community and the payment of a crippling debt to France. Political volatility and foreign economic influence in the country prompted the U.S. to occupy the country from 1915 to 1934. Following a series of short-lived presidencies, François 'Papa Doc' Duvalier took power in 1956, ushering in a long period of autocratic rule continued by his son, Jean-Claude 'Baby Doc' Duvalier, that lasted until 1986; the period was characterized by state-sanctioned violence against the opposition and civilians, corruption, and economic stagnation. After 1986, Haiti began attempting to establish a more democratic political system.
Haiti is a founding member of the United Nations, Organization of American States (OAS), Association of Caribbean States, and the Organisation internationale de la Francophonie. In addition to CARICOM, it is a member of the International Monetary Fund, World Trade Organization, and the Community of Latin American and Caribbean States. Historically poor and politically unstable, Haiti has the lowest Human Development Index in the Americas. Since the turn of the 21st century, the country has endured a coup d'état, which prompted U.N. intervention, as well as a catastrophic earthquake that killed over 250,000 people.
Caribbean rank:
Caribbean Avg. Ratifications:
Small island developing States rank:
Small island developing States Avg. Ratifications:
Customs Codification 3/3 (100.00%) 100.00% 78.00% 1 Strong
Chemicals 0/1 0.00% 78.00% 152 Weak
Waste 0/1 0.00% 93.00% 181 Weak
Drugs 2/3 (66.67%) 66.67% 95.00% 180 Weak
International Trade Law 6/10 (60.00%) 60.00% 73.00% 126 Weak
Origin 1/3 (33.33%) 33.33% 14.00% 24 Strong
Patents 1/5 (20.00%) 23.81% 57.00% 153 Weak
Trademarks 0/6 0.00% 33.00% 124 Weak
Air transport 0/7 0.00% 59.00% 181 Weak
Maritime transport 0/12 0.00% 27.00% 180 Weak
WTO Agreements 1/1 (100.00%) 100.00% 81.00% 1 Strong


This last week was tough for me. Matt and I stepped up to a different class for Language and Phonetics. He's ready to be a rock star with the others, I'm trying to earn my keep on the sound crew. Everyone is super encouraging and helpful. But on Thursday, after a compassionate look from a classmate, the tide came in. I spent twenty minutes of the class with tears flowing that I couldn't check. I don't think it's just the Spanish. I really enjoy learning and this season of being on the other side of the teacher's manual. I like the verbal drills and handing in a test that I worked hard on. It's fun to load up our backpacks and walk to school together. One of my favorite parts of the day is hugging each of our E's before we deliver them to their classrooms. (Eliana has been asking for her snuggle by the front gate. Sixth graders have appearances to keep up.) I even get to have snack time with Matt in the break between classes.
I think that in the midst of my persistent "I Can Do This" pace, I haven't taken enough of a breather to process the myriad of changes in our life. Dear friends are clearing the last of our belongings from our house in the prairie this weekend. Eleven days from now it will open its doors to a new family. No more of our game nights or birthday candles blown out in that kitchen. No more Sunday naps in that bedroom after anointed worship and teaching at our home church in our mother tongue. No more morning devotions curled up on that furniture. No more watching the birds splash or the pines dance in the wind through those windows. And in spite of the glories of technology, we are a great physical distance from many hearts that mean so much to us.
I can do this. I can make our bread, cook meals from scratch, and time our laundry by the look of the skies. I can walk everywhere we need to go, and get back before dusk falls around 5:30 p.m. I can rally the kids for the evening dish washing & floor sweeping, help with their homework, and tackle my own. I can learn new words for everything and the new relationships for how to put them together. I can learn how to be a parent of school-going children, how to advocate for them with teachers and other students, how to help their understanding as a mom instead of as a teacher. It sounds hilarious from this vantage point, but Matt and I actually expected this season of language school to be less busy than our lives in Nebraska. Without homeschooling , a PT career, and ministry commitments, with no yard work, and a third of the house-space to keep clean, we thought life would be more restful in this season. In reality, we are doing less, but it takes a great deal more of our time to do it.
I want to do this. I want to learn to love the jumble of houses piled together and broken pavement interspersed with tropical beauty. I want to bring an open heart to this new culture and soak in a new way of doing life. I want to make friends and do life in Spanish without English subtitles. I want to walk in the presence of our Great God as He works in me and through me here in Costa Rica. I want to delight not only in the photo opportunities at places of natural splendor, but also in the miles of daily living in between.
Speaking of natural splendor, a few weeks ago we were able to spend a day at La Paz Waterfall Gardens. We've updated the slide show on our Home page to give you a taste of that incredible time. Click <here> to check it out.
This entry was posted in Costa Rica, Kris' Heart and tagged English subtitles, I can do this, language school, miles of daily living, myriad of changes, phonetics and grammar, photo opportunities, school-going children, Spanish, tears, time to process, tough week. Bookmark the permalink.
We love the Gnuses and their awesome work for The Lord! Amen.
You are doing a marvelous job of letting the Lord be your all in all, Kris (and Matt)! We love you guys … walking with you!
Times of tears are good cuz even supermamas need times to just "be." Blessings Kris. So much change.Love your pics!


Motor vehicles are mechanically propelled machines that run on a public road. Motor insurance covers risks associated with motor vehicles and protects the insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or stolen.
Medical expenses to third party.
Within motor insurance there are three types of cover and five types of policies.
This policy provides cover for legal liability in respect of death of or bodily injury to any person and damages to third party property.
Limited cover for legal representation costs following a prosecution for a motoring offence which give rise to the claim.
Indemnity to passengers, employers or business partners should they held responsible for an accident.
Liability covered by any other insurance policy.
Damage to property including vehicle held or owned in trust by or in the custodian to control of any person claiming indemnity under the policy.
It provides cover for legal liability in respect of death of or bodily injury to any person, damage to third party property plus loss or damage to the insured vehicle by theft and/or fire.
Includes the costs of repairs, the insured of their vehicle is damaged by fire, lightning and explosion.
Damage either during attempted theft or whilst it is stolen.
The main reason for individuals who choose this cover do so because they don't wish to pay higher premium required for comprehensive.
Loss of use any payment the insured may have to make for example use of taxis while the insured car is being repaired.
Provides cover for legal liability in respect of death of or bodily injury to any person, damage to third party property and any accidental loss or damage to the insured vehicle.
Third party property damage for private cars.
Limited cover for legal representation costs following a prosecution for motoring offence which may give rise to a claim.
Young additional drivers (but being charged additional premium).
This policy is issued to vehicles used for social, domestic and use in Connection with the Insured business or profession. This policy irrespective of providing cover to the vehicle and legal liability it also provide for: personal accident cover, towing charges and medical expenses.
This policy is issued to executives to cover the risks of use of motor vehicle.
Vehicles taken for private or personal use by their insured owners. Includes private cars, motorcycles and 3 wheelers.
Covers vehicles for commercial or business use. Includes motorcycles, 3 wheelers, trailers, oil tankers, passenger carrying vehicles. Also includes special type vehicles.


The corner stone of healthy skin lies in the moisture content of your complexion. While multiple factors go into preventing the most common signs of aging, one that can't be disregarded is the importance of keeping your skin hydrated.
Moisture is important and without it your outer layer can't act as a barrier and protect you and your skin from infection.
Whether your skin is dry, oily or somewhere in between, moisturizing from within and without is the key to keeping it soft, smooth, plump and youthful.
The Process of Maturing (Aging) � With age, your skin's natural ability to hold onto moisture is depleted. The less water in your skin cell, the drier your skin becomes.
Free radicals and inflammation are partially responsible for inhibiting your skin's ability to retain water.
The Weather � When the air has no moisture, you're sure to get dry skin. Dry air causes the evaporation of moisture in your skin. Low humidity forces the enzymes in your skin to look for a source of hydration that leads to dry patches.
Ingredients � While alpha hydroxy acids (AHAs), glycolic acids, salicylic acids and retinol can be great for certain skin challenges, they can create one. You know it as dry skin. They can often dry your skin out leaving it flaky.
The Sun � UVA and UVB rays deplete your skin of moisture. UV rays break down the collagen and elastin levels of your skin and make it rough to the touch.
Over Washing Your Skin � Did you know that cleansing your skin too much can strip away its moisture? It�s best to use a mild cleanser. Too much soap, alcohol or cleansers with detergents, will throw your skins pH level which results in a lack of hydration.
Chronic Skin Conditions � Skin conditions like eczema can disturb your moisture levels and your skin texture.
Spinach �This veggie is high in vitamin A, which wards off dryness. Green vegetables like cucumbers pack a serious dose of silica and this helps in keeping your skin hydrated and elastic. Delays the appearance of fine lines, sagging jowls and wrinkles.
Water � You know that constantly drinking water will hydrate you from the inside out. Water will also flood your skin cells with moisture and restore your skins natural barrier function.
Omega- 3 - Foods like salmon, tuna, olive oil, and flax seed are high in omega 3 fatty acids. Omegas 3's moisturize your skin and plump up lines and wrinkles and yes we get fine lines and wrinkles. Maybe not as many as some but they show up and you want to be working a head of the curve.
Berries � Berries of all varieties contain vitamins and antioxidants that protect and strengthen your skin.
Hydrating your skin should be part of your black skin care regimen on a daily basis.


"Staff all very helpful, very smooth sale"
"Excellent throughout, no complaints at all."
"Kept us notified when getting keys, but calls were always returned."
"Really great to deal with, help with everything we asked for and more."
"The service I got from the staff at Duckworths was excellent."
"Duckworths and Christine in particular in my opinion went the extra mile in all aspects of handling my sale & purchase. They were extremely professional and helpful in every way, helping us realise our dream. Christine in particular was outstanding."
"Thank you very much for the service you provided, we were very happy with it and acknowledge the fact you provided more viewings than our previous estate agent but foremost the level of professionalism was very high......Thank you again."
"Our experience with duckworths has been a positive one so far. You are professional and always get back to us quickly if we have called you. "
"The service from Duckworths was excellent always responding to any query promptly. Been a pleasure to deal with you during a very stressful time."
"Jonathan took personal control of our sale from day one. He was aware that our property had been on the market for the previous 18 months with two other local agents with no success. His fresh, proactive, enthusiastic approach resulted in us having a superb property description within a week with multiple viewings following shortly after; in fact, we had more viewings in the first 4 weeks with Duckworths than in the previous 18 months with two other agents! The quantity (and quality) of the interested purchasers that Jonathan presented to us was superb. Appointments were efficiently organised and accompanied with a follow up call with buyer feedback, always being made within 48h. The sale was quick & efficient with Jonathan being very hands on throughout both with me & the buyer; communication was superb from start to finish!"
"Excellent efficient service. Friendly, approachable and knowledgeable staff. A pleasure doing business with."
"When we first met Linda Slater we were extremely impressed with her level of product knowledge and professionalism. It was because of this we continued our contract to Duckworths when she moved there. Due to her level of expertise we sold our property for the full asking price and were given excellent help and support from her in every aspect. Any minor problems which arose were dealt with swiftly and professionally by her. We would have no hesitation in recommending her to anyone her levels of communication, care, and professionalism are second to none. The whole experience was made an absolute pleasure thanks to Linda."
"Duckworths Estate Agents were not my 1st choice, and that was my 1st mistake. After being on the Market for 12 weeks with NO interest, I decided to switch to Duckworths and never looked back. We had viewings straight away and very soon after sold the property. We had the pleasure of being under the control of Grace who looked after us at every step of the journey. Any telephone messages and emails were replied to the same day as a matter of urgency. Nothing was too much trouble and she made you feel very much at ease. This young lady is a true credit to this business. Thank you for all your time and effort"
"Once we decided to put our home on the market the first step was to arrange three valuations from local Estate Agents to give us an average market value. The second step was to research some Estate Agents to see who would best suit our needs when selling our home. We did this by looking at the data provided by a reputable home search engine, nothing the amount of properties, the amount of prices that had been reduced and the amount sold subject to contract. We knew Duckworths were the Agents we wished to use because on the data we collected at the time they had the least percentage of reduced prices (everyone wants to achieve the best price possible for their home!) and one of the best 'sold subject to contract' percentages. Added to this, the valuation itself was pleasantly positive with no mention of 'decreasing house prices' or 'buyers markets' and Duckworths fully recognized that their part of the contract would be to sell out home at market price putting all their effort into this by whatever means were available. This is why we chose Duckworths."
"My husband and I have recently purchased a house through Duckworth Estate Agency and would like to say what a fantastic service they provided. Joanne accompanied us and from the very first viewing we could tell she was very knowledgeable and professional, with a friendly personal touch. Communication throughout the whole process was great, Joanne made us feel at ease and that no query we had was too small. Joanne was incredibly supportive, offering us good practical advice, not only on our purchase but our difficult sale that was proceeding with another estate agency; during the whole process she went above and beyond what was expected. An excellent agency! We were very impressed by the whole team and are recommending them to everyone we know. We would definitely use Duckworth's if we decide to move in the future. Joanne, we don't think you could improve on the service that you provide, you are a real credit to the company and we would like to say a big thank you for everything."
"Having lived in our house for thirty two years my husband and I decided to look for a bungalow to spend our retirement in. We chose Duckworths Estate Agents in Accrington to sell our property because they were local and well know. They talked us through the process step by step and answered all out question. The staff were very professional, friendly and courteous. We were contacted regularly with updates and never left felt wondering what was happening. We are now living happily in our bungalow but if we ever needed the services of an estate agents again we would definitely choose Duckworths."
"We would have no hesitation in recommending Duckworths Estate Agents to anyone looking to sell their property. The professional service provided was first rate and staff went out of their way to go the extra mile with help, advice and tips to make our house appeal to the market in challenging times. Communication was excellent with regular updates, feedback and a clear marketing plan was discussed. Overall, Duckworths is a family friendly estate agent who cares about its clients!"
"I would like to express my satisfaction with the service we received from Duckworths Estate Agents in regards to helping us find the perfect property. We would like to say a special thank you to Christine who showed us that nothing was too much trouble and always went the extra mile. We would recommend Duckworths to anyone thinking of moving house. Thank you."
"We would like you to know how impressed we are with your customer service as we believe that all feedback is important. We dealt with a member of your staff, Charlotte Taylor and have to say what an absolute asset she is to your company. We initially visited the office just to get an idea of what was available on the market and three weeks later we have purchased a house, it has been such a whirlwind it is hard to take in. On Charlotte's we dealt with Acklam Bond Noor Solicitors and this had proven an excellent choice as both the companies obviously work well together. We certainly would not hesitate to recommend your company and should we ever be in the position to sell or purchase a property in the future, than Duckworths will be our first port of call."
"We bought and sold our house with Duckworths Estate Agents. The service we received has been second to none. The staff have always been fantastic at every stage, always polite and courteous answering all questions and always willing to help and answer the phone!"
"Pleasant experience, very good service. Everything has been done on time for us. We would recommend Duckworths to everybody we know. Thank you for getting us a free damp & timber report. Plus a good valuation on the electrical report."
"Thank you so much for all the help, advice and support you gave me with the sale of 25 Sharples Street, Acc. Brilliant service. So helpful, thank you."
"My brothers agree with me that we are satisfied with the service provided by Duckworths. Throughout the months, we have found them helpful and friendly."
"The staff are all very helpful and couldn't do enough for us. The service was impeccable and we won't hesitate to use Duckworths in the future."
"Very happy with Duckworths service. Got us some good viewings and an excellent sale at the end."
"Duckworths have been excellent from the beginning to the end. Consistent, regular updates where possible. Excellent customer service. Would definitely recommend Duckworths and would certainly use their service again."


text:
Q: Check if datetime setting is automatic in IOS I am very new to iOS development and I am aware that this is a duplicate question. However 3 years have passed since last time it was asked, so I was wondering if anything has changed regarding iOS api? Thanks in advance
Duplicate question: Check if the device datesettings is automatic in iOS


text:
<?php
/**
 * GetParams.php class file
 * @author DOL <denis.oleinik@cagoi.com>
 * @date 27.10.14
 */
namespace Cagoi\Screenshots\Params;

class GetParams extends BaseParams{

    /**@var string - screenshot pk */
    private $_id;
    /**@var string - screenshot secret */
    private $_secret;

    /**
     * Params constructor
     * @param string $id - screenshot primary key
     * @param string $secret - screenshot secret
     */
    public function __construct($id, $secret) {
        $this->_id      = $id;
        $this->_secret  = $secret;
    }

    /**
     * Parameters getter
     * @return array
     */
    public function params() {
        return [
            'id'        => $this->_id,
            'secret'    => $this->_secret
        ];
    }
}

redpajama_set_name: RedPajamaGithub


People who write about a specific niche seems to gather an audience faster. Generalists have a harder time.
Good headlines get noticed by people in a hurry (who read feeds as a "river of news".
People want authenticity and exposing yourself a little lets people know you are a human being.


text:
Tadeusz Mazowiecki (18. dubna 1927 Płock – 28. října 2013 Varšava) byl polský katolický intelektuál, novinář a politik, jeden z vůdců hnutí polské Solidarity a v letech 1989–1990 ministerský předseda Polské republiky.

Život
Práva vystudoval na Varšavské univerzitě a už od roku 1945 byl členem hnutí PAX, z něhož byl roku 1955 pro své názory vyloučen. V letech 1953–1955 byl šéfredaktorem Katolického týdeníku ve Vratislavi a v roce 1957 se stal jedním ze zakladatelů hnutí "Klubů katolické inteligence" (KIK). Roku 1958 založil kulturní měsíčník Więź, který vedl až do roku 1981. V letech 1961–1972 byl poslancem polského parlamentu za hnutí Znak a od roku 1976 pracoval v opozici. Roku 1980 vedl odbornou skupinu, která pomáhala organizovat hnutí Solidarita a stal se šéfredaktorem jeho týdeníku. Po vyhlášení výjimečného stavu v prosinci 1981 byl rok uvězněn, ale roku 1987 mohl strávit rok v zahraničí, kde jednal hlavně s odborovými ústřednami.

Na jaře 1989 byl jedním z hlavních vyjednavačů při jednání u kulatého stolu a tvůrcem dohody, která vedla k polosvobodným volbám a triumfálnímu vítězství Solidarity. 17. srpna 1989 mu Wojciech Jaruzelski nabídl funkci předsedy vlády, z níž odstoupil v prosinci 1990 a koncem téhož roku pak neúspěšně kandidoval proti Lechovi Wałęsovi na funkci prezidenta republiky. Jeho vláda uskutečnila v Polsku hlavní ústavní a politické reformy a zahájila i hospodářskou reformu L. Balcerowicze. V letech 1991–2001 byl poslancem polského parlamentu, nejprve za Demokratickou unii, později za Unii svobody. Od roku 1992 působil jako zvláštní vyslanec OSN v Bosně a z funkce odstoupil 1995 na protest proti liknavému stíhání válečných zločinů ze Srebrenice.

Získal řadu vyznamenání, čestných doktorátů a cen, mimo jiné francouzský Řád čestné legie. Roku 2004 byl prvním laureátem Ceny Listů.

Jeho otec, Bronisław Mazowiecki, byl lékařem. Tadeusz Mazowiecki byl dvakrát ženatý, jeho první ženou byla Krystyna Kuleszanka. Jeho druhá žena, Elżbieta Ewa Mazowiecka, mu porodila tři syny, a to Wojciecha (* 1957), Adama a Michała, které sám, po jejím náhlém úmrtí v roce 1970, vychovával. V roce 2013 zemřel ve věku 86 let a byl pochován po boku svojí druhé ženy, Ewy Mazowiecki, roz. Proć, na hřbitově v obci Laski nedaleko Varšavy.

Fotogalerie

Odkazy

Reference

Související články
 Dějiny Polska

Externí odkazy

  Mazowieckého zprávy o situaci v Bosně

Premiéři Polska
Polští novináři
Polští odboráři
Absolventi Varšavské univerzity
Narození 18. dubna
Narození v roce 1927
Úmrtí 28. října
Úmrtí v roce 2013
Muži
Polští disidenti
Úmrtí ve Varšavě
Držitelé čestných doktorátů Varšavské univerzity
Nositelé Velkého záslužného kříže s hvězdou a šerpou Záslužného řádu Německa


For the oldstable distribution (lenny), this problem has been fixed in version 1.9.0.19-12 of the xulrunner source package.
For the stable distribution (squeeze), this problem has been fixed in version 3.5.16-8.
For the unstable distribution (sid), this problem has been fixed in version 3.5.19-3.
For the experimental distribution, this problem has been fixed in version 5.0-1.


Precious Worker: More of the ATC's!
Love your ATCs - I have added a plan to start doing those too; my list of to-do's seems to be endless!
I cannot believe how many children your son has - god bless him and his wife! What lovely looking children they are - you must be a very happy grandma!


text:
Establishment brokered MQM-PSP alliance meet at Sattar's request: Mustafa Kamal
Dawn.comUpdated November 11, 2017
'What have you done for the Mohajirs?'
Pak Sarzameen Party (PSP) Chairman Mustafa Kamal at a press conference in Karachi on Saturday alleged that the establishment called upon his party to form an alliance with the Farooq Sattar-led Muttahida Qaumi Movement-Pakistan (MQM-P) upon Sattar's request.
Kamal's press conference comes as a response to developments following the announcement of his party's alliance with Muttahida Qaumi Movement-Pakistan (MQM-P) earlier this week.
Explore: MQM-P, PSP agree to forge 'political alliance'
Kamal said Pakistanis were being given the impression that the establishment was behind the political alliance between MQM-P and PSP.
Confirming the speculation, he said the establishment had been calling the PSP to meet MQM-P at the request of Sattar for past eight months.
"Today I want to tell all of Pakistan that, yes, the establishment called us and made us meet Farooq Sattar. When we reached, Sattar was already there and it was on his request that we were called. This did not happen a few hours ago. Sattar and his team have been calling us with help from the establishment for the past eight months," he claimed.
"This is not a plan that is eight months old, however. It is a plan that started on Aug 22, 2016, when Farooq Sattar was [put in charge]," he added.
"I am not an agent [of the establishment]. If I was, I would not leave my senatorship in 2013."
"I will end my party and ask my workers to return home, but I will not be a part of the MQM because the MQM was and still is Altaf Hussain's, and will continue to be... Altaf Hussain is a traitor and a Research and Analysis Wing agent. If he is working openly for RAW, he is not doing any work for his own country," he alleged.
He accused the MQM of still being close to the party's founder, saying that they had not once said a word against Hussain throughout the drama that unfolded this past week.
"An alliance happens between two parties. If I don't believe in the MQM at all, how can I forge an alliance with them?" he asked.
Kamal said he had been making efforts in numerous parts of Pakistan and around the world in many countries and "thousands of people" are joining his party.
"Is it all done by the establishment?" he questioned.
Kamal said it was his party that had convinced the establishment to release 70 missing Mohajir men.
Kamal alleged that his party was accused of being establishment-backed, but it was MQM-P that was formed at the Rangers headquarters "under the supervision of [then DG Rangers] Gen Bilal Akbar".
He alleged that MQM-P leaders had been feeding "half-lies" to the media that Sattar had been kidnapped and later made to address the press conference announcing his party's alliance with PSP. In fact, it was Sattar himself who was requesting the meetings, he said.
Addressing Sattar directly, Kamal said the MQM-P chief often expresses the concern that his (Sattar's) party's mandate will be split in the 2018 general elections, but questioned why the party has done nothing to improve the socio-economic conditions of Karachi despite already having the mandate given to them by the Mohajirs.
"What did Mohajirs get [in return]?" he questioned.
He said those exploiting the name of Mohajirs for their political goals are in fact the biggest enemies of Mohajirs.
Kamal said both MQM and PSP leaders including himself had done politics in the name of Mohajirs for 35 years but the city had had enough of such politics.
He said those who are talking about the welfare of all types of people are being termed anti-Mohajir, and asked those using the name of the Mohajir community: "What have you done for the Mohajirs?"
The PSP chief said if he didn't talk about the welfare of all communities, the Mohajirs would get no benefit either.
Taking a swipe at Farooq Sattar, Kamal said even if his mother had been alive, he would not have involved her in politics "to hide my deeds".
Why MQM-P's shotgun marriage with PSP was fast becoming inevitable
Editorial: The political engineering behind MQM-PSP merger could bring more instability to Sindh
Is the MQM-PSP merger part of a strategy to make a dent in Altaf's following?
Comments (30) Closed
waleed fakhar
This is absurd. Mustufa Kamal must be trialed.May democracy prevail.
Pakistan zindabad
Having accepted that PSP deals with establishment,I demand blanket ban on PSP.
Back to the "Establishment" games.
Well done Establishment..... Let's deal with the corrupt Pml-n & PPP... then go after the minor crooks.
Kishwar advocate
Kamal must be trialed in court as this is unconstitutional and illegal. Kamal must be investigated right away.
Ayub
Mustafa Kamal's claim that he got hundreds of MQM criminals released from Law agencies thru his influence speak the reason why these workers were arrested.
Citizen of karAchi
Sorry Mustafa Kamal; you don't have any credibility left.
MK now should more focus of material rather repeating same reviling to Altaf hussain, At least something new please
Finally, Mustafa Kamal lost his gained respect.
m mirza
He still has to answer .the question of where did he get a Prado and a new Bungalow on Khayaban Seher?.
Good points raised by him.
M. M. Alam
start of the end
Establishment brokered MQM-PSP alliance meet at Sattar's request because Farooq is losing his grip.
being a mayor of Karachi that was your job. so its not to be proud. The difference is that you worked with honesty and worked hard.
Asif Raza
The time is exposing all characters of this party one by one.
Please name the players in the establishment
Mustafa Kamal is last hope for Karachites. It's high time they stop playing Muhajir Card and be good Pakistanis. I'm also a Muhajir from Punjab but we never call ourselves Muhajir because it may create divisions. We are just Pakistanis.
Shahid Sattar bbbbbbbbbbbbbmSHAHID SATTAR
Now that you have learnt the game of the establishment, please don't let them play any more tricks on you, unless you have to oblige them for making way for you in the first place.
Haseeb Ejaz
Well played boys. It was evident from the start
Well done "establishment"!
Sab se pehle pakistan
Honourable institutions with power should take notice. Why no action has been taken against Mustafa Kamal after he made such claims and statement about honourable establishment. On the other hand honourable establishment is very quick to take strict action against the most loved political party of Urban Sindh. Why the difference in treatment?
@Pakistan zindabad how about MQM
Understanding Politics
It's now high time for all those near to Kamal Mustafa, to move away from their leader. There is no difference between AH,Dr Farooq Sattar, or Kamal Mustafa, all 3D vision. The best option for Karachiites and all from Sindh is to support PTI, relatively much better choice.
Mustafa Kamal seems to have lost his sense. He has forgotten that he was brought, funded and protected by the establishment to destroy MQM. Since he has miserably failed in it so he has retorted to smearing game. I have nothing to do with MQM but I admire them that they are still surviving despite being subjected to worst kind of atrocity, torture, kidnapping and killing by the administration. Unlike Mustafa Kamal MQM (P) leadership stayed in Pakistan and faced the worst treatment one can imagine. Mustafa Kamal and leaders of all the parties should join hands with Nawaz Shareef to flush out the influence of administration in politics.
Abdulla Hussain
I don't understand why do many view establishment as alien, even if establishment brokered MQM-PSP alliance deal what is wrong in it. All establishments are 100% Pakistani like anyone else they are also striving hard for a better & peaceful Pakistan. All establishments of Pakistan are our own we should love, respect & appreciate their efforts towards building a better & stronger Pakistan.
I hope people of Karachi will get new honest leaders who can provide peace and security. As far as MQM and PSP are concerned I think they are done and Karachi will be much better off if they vote for PTI or newly formed alliance PAI candidates.
Asif A. Shah
Dear Mustafa Kamal, Are you an independent and conscientious leader of the public or an employee of the so called establishment? Please consult your conscience and let us know in your next press conference. My view of the leadership is that a leader should be imbued with the sense of service to the people and be an independent person working for interests of his constituency and the country simultaneously. He should not be serving special interest and any establishment. Regards.
Kashif Ateeq
MK you are on the right path just keep on going its a difficult journey but not impossible, humble suggestion start educating our future generations by setting up some sort of free tuition centers. You have the resource utilize it now. Use it or loose it.


text:
Commerce lowers Canadian softwood lumber duties; reactions mixed
November 30, 2020 | 11:46 am CST
WASHINGTON - The U.S. Department of Commerce has set a new average duty rate of 8.9 percent on Canadian softwood lumber imports. The new rate is down from the original 20.2 percent average applied back in 2018.
The U.S. Lumber Coalition, an alliance of large and small American softwood lumber producers, said the new rate understates the issue.
"While the U.S. Lumber Coalition has demonstrated that this calculation understates true levels of subsidies and dumping, these results nonetheless reinforce that the Canadian lumber industry benefits from significant government subsidies and dumps lumber into the U.S. market at unfairly low prices," stated Zoltan van Heyningen, Executive Director of the U.S. Lumber Coalition.
Last August, the World Trade Organization (WTO) ruled that U.S.-imposed duties on Canadian softwood lumber broke global trading rules, arguing that Washington could not back up its claims. The U.S. appealed that ruling.
The U.S. Lumber Coalition believes the WTO ruling affected the recent Commerce ruling.
"Unfortunately, it appears that a WTO dispute settlement panel report from an earlier and separate phase of the case, which is currently under appeal, had a negative impact on the countervailing duty rate for the first administrative review," said van Heyningen.
"It is absolutely imperative that these flawed WTO recommendations are not allowed to undermine in any way the continued enforcement of the trade laws," emphasized van Heyningen, "the WTO case is far from over, and as such, it must not be allowed to influence the ongoing process and the results of the second administrative review."
"The U.S. lumber industry will continue to push for the trade laws to be enforced to the fullest extent possible in the second administrative review to allow U.S. manufacturers and workers the chance to prosper," said Jason Brochu, U.S. Lumber Coalition Co-Chair and Co-President of Pleasant River Lumber Company.
Many Canadian leaders said the ruling is a step in the right direction, but still isn't enough.
"While the reduction in duty rates from this first Administrative Review is a step in the right direction, the fact that we're still paying duties on our lumber products sold to the U.S. market is both frustrating and disappointing," Susan Yurkovich, CEO of the Council of Forest Industries (COFI), said in a press release.
British Columbia Premier John Horgan echoed Yurkovich's statement.
"While this reduction in duties will bring much needed relief to our industry, any duties applied to our softwood lumber exports to the U.S. are unjustified," he said.
Softwood lumber import tariffs of around 21 percent were levied onto Canada in 2018. Those tariffs worked to restructure the entire lumber global supply chain - incentivizing U.S. buyers to import from overseas rather than ship lumber across the Canadian border.
Canada's imports to the U.S. have certainly slipped, as we've covered before. British Columbia - Canada's largest lumber-producing province - exported just over 514 million board feet of lumber to the U.S. in October 2018, down from 645 million board feet from the same time 2017.
A second review from Commerce is expected to begin in January 2021.


Why is Fresno State transitioning to a tobacco-, smoke- and vapor-free campus?
During the spring 2017 semester, the California State University Chancellor's Office issued a systemwide policy requiring all campuses to become tobacco-, smoke- and vapor-free. Fresno State is committed to providing a clean, safe and healthy environment for our students, faculty, staff and visitors. We appreciate your support and cooperation as we move toward creating a healthier environment for everyone on our campus.
Who does the tobacco-, smoke- and vapor-free policy apply to?
This policy applies to students, faculty, staff, visitors, contractors and vendors.
The policy goes into effect on September 1, 2017.
Yes. The tobacco-, smoke- and vapor-free policy is in effect 24 hours a day, seven days a week.
The policy includes all Fresno State-owned, leased, rented or maintained property such as buildings, facilities, sidewalks, roadways, parking lots and grounds. (Bulldog Stadium and the Save Mart Center are also included in this policy.) In addition, the policy includes all university-owned, leased or rented vehicles. California state law already prohibits smoking in all indoor areas and outdoors within 20 feet of public buildings (including colleges and universities).
Does the tobacco-, smoke- and vapor-free policy apply to tailgate gatherings and events at outdoor stadiums and fields?
Yes. All events that take place on Fresno State property, including tailgate gatherings and outdoor events, still fall under the tobacco-, smoke- and vapor-free policy.
Is medical marijuana included in the policy?
Yes. Federal law overrides state law. Fresno State is an institution that supports financial aid (federal money) for students, therefore, Fresno State follows federal law. Medical marijuana cards are invalid at Fresno State.
How is the policy change communicated to faculty, staff and students?
Every effort will be made to announce this policy using various Fresno State media outlets, including campus email messages and Fresno State's Campus News. Informational resources are distributed at the Faculty and Staff Assembly, New Student Convocation, University Courtyard and Kennel Bookstore. Additional information on Fresno State's Clear the Air Initiative.
Do tobacco-, smoke- and vapor-free policies really reduce use and improve health?
Yes. Tobacco-, smoke- and vapor-free campus policies can reduce tobacco use and exposure to secondhand smoke, which provides health benefits to the entire campus community. Tobacco use is the leading cause of preventable death and disease in the United States, and according to the U.S. Surgeon General, there is no safe level of exposure to secondhand smoke.
No. The use of designated smoking areas are now prohibited. Smoking, vaping and the use of tobacco products are not allowed anywhere on campus property.
Can I smoke or use tobacco in my personal vehicle?
No. Smoking, vaping and the use of tobacco products are not permitted in your personal vehicle (both inside and outside), if the vehicle is located on Fresno State property. A vehicle must be moved off-campus if you want to smoke inside the vehicle.
Is a tobacco-, smoke- and vapor-free policy a violation of civil and Constitutional rights?
No. There is no Constitutional right to smoke, vape or use tobacco. Tobacco users are not a category protected under the Equal Protection Clause of the Constitution, nor is tobacco use a protected liberty under the Due Process clause of the Constitution.
What will be exempted from the policy?
Smoking in university-sponsored theater and dance productions (by production participants), student-authored or sponsored scenes, showcases or workshops produced as part of the department of theatre as well as ceremonial campus events may be authorized by the President or designee only when a required part of a specific performance. This includes smoking and/or tobacco use for traditional ceremonial activities of recognized cultural and/or religious groups.
The use of nicotine cessation products regulated by the United States Food and Drug Administration for treating nicotine or tobacco dependencies is permitted under the terms of this executive order.
Institutional Review Board approved research on tobacco or tobacco-related products.
What should I do if I see someone smoking on University grounds?
Hostile and/or violent interpersonal conduct directed against members of the Fresno State community requesting that individuals comply with the terms of this executive order will not be tolerated and will be enforced under systemwide or campus policies, including but not limited to workplace violence policies.
How will the policy be enforced and by whom?
Fresno State community members are asked to help create a tobacco, smoke and vapor-free environment using community enforcement. Community enforcement relies on individuals to educate one another about the smoke-free policy at Fresno State. Campus police will not be responsible for citing individuals for violating this policy.
We hope civility and respect for others will guide all of us during the transition toward a tobacco-, smoke- and vapor-free campus. We realize this policy may be challenging for some smokers and tobacco users, but we hope that smokers and tobacco users will respect the rights of their fellow members of the Fresno State community to breathe smoke-free air. We also hope non-smokers who remind violators of the tobacco-, smoke- and vapor-free policy will do so with courtesy and civility.
How will campus visitors know that Fresno State is a tobacco-, smoke- and vapor-free campus?
Signage about our tobacco-, smoke- and vapor-free campus will be placed throughout Fresno State grounds and buildings. Information on Fresno State's Clear the Air initiative is accessible to all campus visitors.
What has happened to the ashtrays around campus?
All ashtrays have been removed from campus because they are a receptacle for a product that will no longer be used on Fresno State property.
How will property owners adjacent to the Fresno State campus be affected by the policy?
Properties adjacent to Fresno State set their own policies regarding smoking. We ask Fresno State students, faculty, staff and visitors to help maintain a positive relationship with our neighbors that border the campus. We encourage you to be courteous when going off campus to smoke by disposing of tobacco products and packaging in appropriate receptacles and being aware of others nearby who may not wish to be exposed to secondhand smoke.
What resources are available to help me stop using tobacco products?
The tobacco-, smoke- and vapor-free policy will require that students, faculty and staff members step off campus to smoke. What about the personal safety of these individuals, especially in the early morning or evening when it is dark?
Fresno State encourages all individuals to consider their safety while on or off campus. Medications such as the nicotine patch, gum, lozenge, nasal spray or inhaler are options that can be considered to meet nicotine needs without leaving campus and putting yourself at any risk.
Can I use the money I put aside in my flexible spending account to pay for costs related to smoking cessation aids and counseling that are not covered by insurance?
Money set aside in your flexible spending account can be used for your out-of-pocket expenses toward smoking cessation paraphernalia including counseling with a doctor's prescription.
What is the level of satisfaction at other colleges and universities in California that have adopted a 100 percent smoke- and tobacco-free campus policy?
An increased number of colleges and universities in California are adopting 100 percent smoke and tobacco-free campus policies. Strong tobacco use campus policies have found great success throughout California. The majority of colleges that have adopted tobacco- and smoke-free policies have done so at the request of their students and with leadership from the Associated Students.
What is the percentage of Fresno State students who have never smoked?
Whom do I contact if I have additional questions about the policy?
For comments or questions regarding this policy, members of the campus community and the community at large are encouraged to visit the Fresno State smoke-free website at www.fresnostate.edu/adminserv/smokefree/ or contact the Office of Environmental Health & Safety and Risk Management at 559.278.7422.