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Online Fundraising Resources Center
Dot Calm
Copyright 2001 by Adam Corson-Finnerty
Permission is given to forward or copy this article, so long as the author's name, email address, URL, and copyright notice are included. (They are given at the end of this article.) This article first appeared as an email message to the Cybergifts listserv on April 19, 2001. Readers are encouraged to read the lively debate that occurred in response to the article, which can be found in the Cybergifts archives.
The reporter from the Wall Street Journal wanted to know: is there any future in online giving for charities?
Two days later, a free-lance writer, doing a newsletter piece about e-giving, asked the same question. So I assume that we are in for a slew of "fuggadaboudit" coverage on e-philanthropy.
My advice to my non-profit colleagues -- the ones who are advocating and implementing cybergiving strategies -- is relax. Be calm. The bathwater may be rushing out of the tub, but the baby isn't going down the drain. The baby being us, the charities, who were supposed to be benefiting from all the dot.com vendors who popped up like dandelions but now are blowing away.
The vendors, of course, are anything but calm. The dot.com bubble has burst, the VC money is drying up, and the bankruptcies are multiplying. Charitableway, the recipient of over $40 million in backing, has closed up shop. Other charity-focused startups are teetering on the brink. All around them, they see biz dot.coms being shuttered: Northpoint, Kozmo, and even Borders.com (folded into amazon.com). I recently spent two days in meetings with a principal in a venerable VC firm. Their assessment: "eighty per cent of the dot.com companies out there are going to fail by the end of this year."
But 99% of the charities out there will still be here by the end of the year. We may not be hot and sexy, but we tend to be pretty stable. As for our own Internet fundraising futures, the prognosis is excellent. People *are* giving money online, people *will* give money online. And those numbers will only increase. And besides, e-philanthropy isn't just about online credit-card giving. (More on that later.)
The watchword in these troubled times is "steady as ye go." Adopting the tools of e-fundraising is just as important as it ever was. Only the overblown hype and the extreme sense of urgency have changed.
Hype, Hype, Hype
One doesn't have to go back very far to be reminded of the white-hot rhetoric surrounding the dot.com bubble. I happen to have at hand the March 2000 issue of Philadelphia Magazine. On the cover is a golden mouse. The main head screams: "GET RICH CLICK!" The subhead reads: "Philly's New Tech Heroes Made $40 Billion Last Year. Why Them and Not You?"
The lead article tells us that "faith and fear" are what is driving the Internet gold rush:
"Faith, but also fear… of being left behind. Everyone knows who the big national winners are-the E*TRADEs, the PlanetRxs, the CDNOWs, the fabulously and suddenly wealthy dreamers and doers behind, say Internet Capital Group. Anyone can pick up Time and see Amazon.com CEO Jeff Bezos squinting out as Person of the Year, or page through the Barron's list of those who have already made $100 million in an IPO." ("Goldrush Dot Com," by Beth Kephart, Philadelphia Magazine, March, 2000, page 63.)
Or check out the rhetoric in Harvard Professor Rosabeth Moss Kanter's new book, Evolve!
Soon there could be only three main types of companies in the world: dot.coms, dotcom-enablers, and wannadots. …Dotcoms are pure Internet companies, operating online businesses. …Dotcom enablers are the technology and service providers who spread the Internet gospel. …Wannadots are everybody else-existing businesses, schools, hospitals, and other established organizations.
…[D]otcoms and wannadots , with dotcom enablers egging them on, represent contrasting styles, both of which I examine in this book. Ask big companies about their goals for the Web, and they are likely to reply "Cautious experimentation." Ask dot.coms the same question, and they declare, "Total world domination."
The difference in rhetoric and attitude sums up the contrast between those reluctant to let go of the past and those hurtling into the future at warp speed. For companies that were not born digital, the big problem is change-when to change, how to change, and how to prepare people to live with the consequences of change.
(Evolve! Suceeding in the Digital Culture of Tomorrow, by Rosabeth Moss Kanter, Harvard Business School Press, 2001, pages 2-3)
How times change. The heated language of Evolve! seems almost quaint in the light of The Morning After. And, exactly one year later, the March 2001 issue of Philadelphia Magazine features local Internet guru Pete Musser (of Safeguard Scientifics) on its cover, with this heading: "How to Lose a Billion Dollars."
Charity.notcom
In my online article, "Charity.notcom," I argued that VC-backed charity vendor pureplays were destined to fail. And that "Any charity that has devoted time, money, and information assets to the schemes of these start-ups will probably end up losing all three." (See http://www.fund- online.com/musings/index.html) Events have confirmed this thesis. But here is the question: Why have so many startups invested so much money and so much time to "making it" in the charitable arena, only to fail? And a second question: does the failure of charity dot.coms mean that e-fundraising is a dead end?
To see why the charity dot.coms have failed and will fail, one need only look at a recent puff piece in the April 15, 2001 issue of Red Herring. The author seems to have written her article in some kind of time warp. The subject is Internet entrepreneur Harry Gruber, and his latest venture, a charity dotcom called Kintera. Between bites of monk's purse, and "tasty dumplings filled with jicama and mushrooms," Dr. Gruber spun out his rationale for success:
Nonprofits are stereotyped as stuck in the technological equivilent of castor oil medicine and mustard plaster, but Dr. Gruber thinks they're finally ready to embrace Internet infrastructure. The market is a fat one. Americans gave $190.2 billion to charity in 1999 … between 15 and 40 percent of that amount goes to the fund-raising process. Kintera reduces the cost of that process-and takes a cut-by administering it online." (Bait and Switch," by Bonnie Azab Powell, Red Herring, April 15, 2001, page 38)
Sound familiar? It certainly does to me, having listened to pitches like this for the past three years. I remember one startup to which I offered unsolicited advice: their model for online giving was too little and too narrow. Oh no, I was told. Didn't I know about "the hockey stick"? The hockey stick referred to the experience of many dot.coms. Business would start up slowly, and then take off like a rocket. The chart looked like a hockey stick, facing left. I mean, just look at Amazon.com, or Yahoo, or CDnow.
Three months later, six months later, I was still being peddled the same kool-aid, presumably along with the investors. There was no hockey stick, just a gradual rise of very modest proportions. I expect to hear that this firm has gone under any day now.
Interestingly, some of the bruised dot.com vendors are blaming the charities. Apparently, we take too long to make decisions. "Something that should have taken two weeks to decide, ends up taking six months, or longer." Big surprise, but not to those of us who have labored in the NPO vineyards. Decisions come slowly, deliberations are long, and decisions which might pose a public relations or financial risk take FOREVER.
Thus far, online giving has only been a modest success, and is growing slowly. A tiny, tiny percentage of that $190.2 billion is moving online. The bulk of charitable dollars are being given the old-fashioned way-through checks, cash, gifts of stock, and through the collection plate. (The entrepreneurs did realize that the largest area for charitable giving is religion, didn't they? Like 43% of the 1999 total going to church and synagogue? And if they didn't know that, what else didn't they know? See http://www.aafrc.org/press3.html)
If I may take the liberty of quoting myself, again, consider this observation:
I hate to be a party-pooper, but great sums of money are not sloshing around in the charitable sector. Yes, there are billions involved, but almost every penny is pre-committed or needed in six places. Charities are notoriously tight-fisted, and loath to spend money on goods and services. If anything, charities are overly slow to adopt new technologies and new techniques. They shun risk, and fear being accused of "wasting" money.
When we are at our most exacting, we expect charities to examine every penny, and we want to be shown that every penny is being spent to fulfill their mission. If it isn't, we damn well want to know why. This is particularly true of every penny spent on fundraising.(See Charity.notcom, Part 2: http://www.fund-online.com/musings/notcom.html)
Restez Tranquil
So why do I advise calm? Primarily because our sluggishness has proven to be an asset. The overheated atmosphere of the Bubble was not conducive to rational thought. But now things have calmed down. Logical thought has returned.
Amusingly, everyone is eager to say "I told you so." In business publications, every pundit and analyst seems to have been a closet conservative all along, sure that the party would end, and worried that all the other folks who were dancing on the table were becoming irrationally exuberant. After all, says Peter Schwartz in Red Herring, people should have remembered that in the first 20 years of the auto industry there were nearly one thousand car companies. During the next ten years, 99.5% went bust or were merged. By 1930, only five major companies survived. "It was only then that solid companies, huge markets, and sustainable growth in shareholder value resulted." ("Boom, Interrupted," by Peter Schwartz, Red Herring, May 1 & 15, 2001, page 135)
Right-O, says Jeffrey Walker, of J.P. Morgan Chase. According to the New York Times:
He does not miss the days of being besieged by companies eeeking instant capital for, say, the 12th Web site devoted to selling pet food. "Companies came in and gave a presentation and wanted an answer in two or three hours," Mr. Walker said. "These were followers, and not great ideas."
Spot-on, agrees James Geshwiler of CommonAngels. "The fair-weather entrepreneurs are out of the market. But there's still lots of room for innovation." (Both quotations from "Raising Funds After the Fall," by Daniel Altman, New York Times, page C4)
In The Music Man, Harold Hill says he is looking for "the sadder but wiser girl." Well, a lot of us are now sadder but wiser girls. Nay, we're Women of the World.
I am certain that someone could delve into my writings of a year ago and fine some breathless do-it-now-or-die sentences. Maybe whole paragraphs. Not no more. I'm a convert from techno-go-go to value investing. Show me a thought-out plan with evaluation markers. Don't try to sell me a hockey stick or an undefined but stupendously large quantity of eyeballs. As Archie the bartender in Duffy's Tavern once said to the patron for whom everything was just "too utterly utter," "If youse utta one more utta, I'll trow youse out in da gutta." (Does *anyone* remember Duffy's Tavern?)
The fact of the matter is this: e-fundraising is in its infancy. No one knows just how it will shape up, or where it will be the most useful. The results from several years of experimentation are few and spotty -- certainly not enough to make sensible projections of cost versus benefit. Non-profits should work together to build their experience in this new area. We should share insights and results, just as we do in our professional conferences and yearly development pow-wows.
My advice-in-a-nutshell goes something like this:
Think of the Internet as a new fundraising tool. Like the telephone. Just as the telephone aids us with a myriad of fundraising tasks, so will the Internet.
Don't think of e-fundraising as confined solely to online giving. That's only one application. The Internet can help us raise and steward major gifts, and it can open the door to new types of giving, including microgiving (multiple very small gifts, including digital cash gifts).
Encourage your staff to experiment with various forms of Internet communication. Watch what others do. Test ideas with sub-groups in your constituency. If they seem to pay off, escalate their use.
Don't bet the farm on services provided by VC-backed vendors. You have to figure that 80% of them won't be around much longer. Maybe 99.5%
Don't expect instant results. Allow enough time to involve all the players, and to process the results. By all means, Go For It, but recognize that your e-fundraising platform won't be built in a day.
Development Officer, Author and Occasional Consultant
Contact and feedback: corsonf@fund-online.com
Permission is given to forward or copy this article, so long as the author's name, email address, URL, and copyright notice are included. Yes! You can print it out, copy it, hand it around, forward it as an email to someone else, and so on. The only things I don't want readers to do are: Sell it, edit it, put your name on it, or take my name off it.
Print and electronic editors who want to reprint or mount any of my electronic articles should contact me directly for permission. Linking to my articles is fine.
Send comments to Adam Corson-Finnerty (corsonf@fund-online.com) or Laura Blanchard (lblancha@fund-online.com)


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Angela Grahame QC (Scot)
Year of Call: 1995
Year of Silk: 2009
Email Address: angela.grahame@3pb.co.uk
CJSM: lisa.watts@3pb.co.uk
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Angela's expertise in this area is consistently recognised in the leading legal Directories, Chambers UK and the Legal 500. Comments have included: "She has expertise in a wide array of personal injury matters including road traffic accident claims, employers' liability and catastrophic injuries. She is also experienced in cases concerning industrial diseases and property damage" and "She has a broad breadth of knowledge and is very good on her feet"; "She's very thorough and measured"; "Sources appreciate her approachable nature and experience in personal injury matters"; "She is incredibly detailed and excellent in Court. No matter what happens in Court, she always handles it superbly."
The following are some of her reported cases in this area:
Gracie v City of Edinburgh Council [2018] CSOH 37
This was an action of damages raised by a former pupil against a local education authority for injuries sustained in an accident in 1965, the pursuer's motion to allow a Minute of Amendment was refused as he had failed to aver "exceptional circumstances" justifying the exercise of the court's discretion under s. 19A of the Prescription and Limitation (Scotland) Act 1973. The Court determined that it would not be equitable to allow the action to proceed.
Phensrisai v Yutikan 2017 SLT 631
A proof on quantum in a fatal road traffic collision where a former Buddhist monk studying for a PhD sustained spine and chest fractures and sought damages for past and future losses and miscellaneous costs.
Dr Prescott v University of St Andrews [2016] CSOH 3
The pursuer alleged he contracted mesothelioma as a result of exposure to asbestos during his employment with the University when he entered the Old Library building when construction works were ongoing. No Scottish cases have gone to proof in relation to similar circumstances. This is almost the only time a mesothelioma case has proceeded to proof in Scotland. All issues (apart from diagnosis and quantum) were in dispute – the key issues for the Court were those of exposure; negligent exposure; and causation). The Court heard evidence from Dr Moore Gillon, the defenders expert, an internationally renowned expert. The pursuer in the event did not manage to discharge the issues of exposure and causation.
McShane v Burnwynd Racing Stables [2015] CSOH 70; 2015 Rep LR 107
The pursuer was a horse trainer. He was training a horse on a gallop when the horse fell on him and he sustained a serious shoulder injury which rendered him incapable of working. The pursuer alleged that this was due to the poor state of the gallop. Arguments were made in terms of the Workplace (Health, Safety & Welfare) Regulations 1992 and also in relation to the Work at Height Regulations 2005, in respect of which there were no reported cases. This was a very complicated case due to last minute issues which arose, which required changes to the pleadings and further investigations and expert evidence. The Court held that the gallop had not been defective.
Talbot v Babcock International Ltd & Anr [2014] CSOH 160; 2014 S.L.T. 1077
An industrial disease claim. The defenders lodged a Minute of Tender for provisional damages in the usual terms, which was accepted. When the matter came before the court the defenders attempted to impose further restrictions on the return conditions, not contained within the Tender. This case has had consequences for agents drafting Tenders in the future, where they offer provisional damages or they wish the Tender to be conditional in some way.
Shields v Crossroads (Orkney) Ltd [2013] CSOH 144; 2014 S.L.T. 190; 2013 S.C.L.R. 730
This was a Procedure Roll debate before Lord Pentland. The action was brought by a carer against the employer of a social worker assigned to her case in respect of serious injury to her mental health and certain financial losses, following a brief love affair between herself and the social worker. The case is important as it sought to expand the scope and extent of the common law by examining whether the employer had to take reasonable care for the carer's safety and to protect her against the employee's conduct. The Court held ultimately that there was no basis upon which it would be fair, just and reasonable for the common law to impose a duty on the social worker not to enter into a relationship with her. The case is an authority in this respect.
Police Federation Personal Injury Claims
Law v Chief Constable [2015] (negligence during a training exercise; police officer injured during training)
Stevenson v Chief Constable [2014] (negligence; breach of duty of care; police officer injured during training exercise; whether safe system of work)
Rankin v Chief Constable [2013] (proof before Lady Rae in relation to negligence during a training exercise; breach of duty of care)
Angela was also instructed in the first two reported cases in Scotland arising out of personal injury claims against the Police for injuries during training exercises.
Franklin v Chief Constable of Grampian [2001 Rep LR; 2001 G.W.D. 19-752] (Negligence; Duty of care; Police officer injured during training exercise when injuries inflicted to his wrist by handcuffs; whether safe system of working (instructed by the Police Federation))
Grant v Chief Constable of Grampian [2001 Rep LR; 2001 G.W.D. 15-583] (Negligence; Duty of care; Police officer injured during training exercise when struck with baton on his arm; whether safe system of working (instructed by the Police Federation))
Judicial Review / Criminal Injuries Compensation
Angela has also acted in other proceedings, relating to criminal injuries. For example, she has acted in a Judicial Review in relation to a claimant refused Criminal Injuries Compensation where contributory negligence was deducted.
AS, Petitioner [2013] CSOH 83; 2013 G.W.D. 22-422
Decisions by the First Tier Tribunal, Criminal Injuries Compensation, reducing an award of compensation by 40 per cent after having considered the applicant's conduct before, during or after the relevant incident, would be reduced and remitted to a differently constituted tribunal where the tribunal's approach was deficient.
Judicial Review (Criminal Injuries Compensation Claim)
Angela also undertakes travel claims including many contractual claims brought under the Package Travel, Package Holidays and Package Tours Regulations 1992/3288.
Angela was Commended in the Category of Silk of the Year 2018 at the Law Awards of Scotland 2018.
Chambers UK Bar 2018 – Ranked in the category of Personal Injury – "She has a fearsome intellect, is very good with clients and is very compassionate". "She has an excellent matter and command of negotiations. You can be confident that she has things in hand."
Chambers UK Bar 2017 - Ranked in the category of Personal Injury - "Angela Grahame QC has a varied practice spanning road traffic accident, employers' liability, catastrophic injury and industrial disease claims. Sources appreciate her approachable nature and experience in personal injury matters." "She is incredibly detailed and excellent in Court. No matter what happens in Court, she always handles it superbly"
Chambers UK Bar 2016 - Ranked in the category of Personal Injury - "Angela Grahame QC has expertise in a wide array of personal injury matters including road traffic accident claims, employers' liability and catastrophic injuries. She is also experienced in cases concerning industrial diseases and property damage." "She has a broad breadth of knowledge and is very good on her feet" "She's very thorough and measured"
Legal 500 2016 - Ranked in the category of Personal Injury, Medical Negligence and Professional Negligence - "Trustworthy, reliable and quick-witted"
Chambers UK Bar 2015 - Ranked in the category of Personal Injury - "There are not many counsel as expert in the industrial disease area as her." "She'll fight your corner and your client's corner."
Legal 500 2014 - Ranked in the category of Personal Injury, Medical Negligence and Professional Negligence - "Calm, detailed and well prepared in court, with excellent negotiation skills."
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LLM (ongoing, 2020)) - University of Aberdeen
PGCertICArb - University of Aberdeen
DipLP - University of Aberdeen
LLB (Hons) - University of Aberdeen
Professional qualifications & appointments
Appointments at the Scottish Bar (Faculty of Advocates)
Appointed Advocate Depute (April 2003 – July 2005)
Appointed Senior Advocate Depute (July 2005 – April 2007)
Appointed to the Police Appeals Tribunal as Chair and Legal Member (April 2013 – date)
Appointed ad hoc Advocate Depute (2017 – date)
Angela is the Secretary and Treasurer of the International Bar Association (IBA) Forum for Barristers and Advocates (2017 to date)
Angela has been appointed by the University of Edinburgh as a Coach for the Willem C Vis International Commercial Arbitration Moot, Vienna (2018)
Appointed as a Member of the Task & Finish Group set up by Dame Clare Marx and now chaired by Leslie Thomson, in the Independent Review into Gross Negligence Manslaughter (and Culpable Homicide in Scotland) in the medical profession (2018
Appointed as a Member of the Victims Task Force co-chaired by the Justice Secretary, Humza Yousaf and the Lord Advocate, James Wolffe QC in December (2018).
Appointed by Scottish Mediation Network, with support from the Scottish Government, to become a member of the group undertaking a research project into the use of mediation in the context of civil justice (2018).
Appointed as Honorary Lecturer at the University of Aberdeen, School of Law (2018)
Member of the Chartered Institute of Arbitrators (2017 – 2018)
Fellow of the Chartered Institute of Arbitrators (2018 -)
The JURIS Roster of International Arbitrators: https://arbitrationlaw.com/profile/angela-t-grahame (US)
GCC Commercial Arbitration Centre (Bahrain)
DIFC-LCIA Arbitration Centre (Dubai) (List)
Faculty of Advocates (FDRS)
She is member of ArbitralWomen
Legal Member and now Chair of the Police Appeals Tribunal (2013-)
She is frequently called upon to give lectures on Arbitration. (List available on demand). As examples Angela has lectured in the University of Aberdeen and Robert Gordon University, at the Faculty's Arbitration Conferences and to the Scottish Branch of the Chartered Institute of Arbitrators.
· Curator of the Library (1999 to 2001);
· Member of Disciplinary Rules: Investigating Committee (1999 – 2001);
· Faculty Representative on Employer Liaison Committee at Aberdeen University (2001 - 2003);
· Member of Response Review Group (2001 – 2003; 2007 to 2010);
· Member of the Board of Assessors (2007 to date);
· Member of the Faculty Response Committee on the Criminal Justice (Scotland) Bill (2013);
· Co-Director of Compass Chambers (2015 -2016);
· Member and now Convener ex officio of the Complaints Committee (2015 to date)
· Vice Dean of the Faculty of Advocates (2016-date).
Angela Grahame QC appointed as Senior Counsel to Sheku Bayoh Public Inquiry
3PB Barristers announce the appointment of one of its silks, Angela Grahame QC, as Senior Counsel to the Sheku Bayoh Public Inquiry. Chaired by Lord Bracadale, the Inquiry will seek to examine the circumstances of the death of Sheku Bayoh who died in police custody on 3 May 2015. It will also review if and to what extent, actual or perceived race played a part in the death of Mr Bayoh. The Inquiry is due...
Arbitrator appointment to all-female ODR panel for 3PB's Angela Grahame QC (Scot)
3PB personal injury and clinical negligence silk Angela Grahame QC (Scot) is delighted to have been appointed as an arbitrator on the all-female, panel of Edinburgh-based Squaring Circles, which aims to "do disputes differently". Founded by solicitor and mediator, Rachael Bicknell, the online dispute resolution business is aimed at providing an alternative to taking matters through the courts and is launched at a time when the COVID-19 pandemic is driving demand for technology-led alternatives to...
Personal Injury and Clinical Negligence Barrister Angela Grahame QC (Scot) joins 3PB
3PB is delighted to welcome Angela Grahame QC (Scot) to 3PB. Angela becomes the first female QC from the Scottish Bar to practice at the Bar in England and Wales. This move comes in the year that many in the legal profession around the UK are marking the Centenary of Women in the Law and notable female 'firsts'.


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Doctors Said He'd Never Recover, His Family Thought Otherwise
(Houston Chronicle) – Doctors in Baton Rouge said Nick Tullier would never recover. The Louisiana sheriff's deputy had survived a bullet to the head — one of six officers shot in 10 minutes by a gunman this summer — but the damage to his brain appeared irreversible. Tullier, physicians said, would likely spend the rest of his life in a vegetative state. Eyes open, staring at the ceiling, never to regain consciousness.
His family didn't believe that, and last month they brought him to TIRR Memorial Hermann, one of the nation's premier rehabilitation centers. Doctors here offered a different outlook. Within a few days, they determined that, not only was it possible Tullier could recover, but that he was already conscious and had been for weeks.
For his loved ones, it was as if Tullier, 41, had been brought back to life. "A miracle," his father, James Tullier called it this week. Such stories are routine at TIRR, said Dr. Sunil Kothari, director of the hospital's disorders of consciousness program and a professor of rehabilitation at Baylor College of Medicine. They hear it all the time, he said, a variation of the same line: "But, the doctors told us this could never happen." CONTINUE
At Last, American Psychiatrists Speak Out on Euthanasia
Wesley J. Smith: Bioethics in the Age of Trump


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The Bank of England yesterday raised concerns about the growth in so-called "leveraged loans"— credit given to risky companies by private lenders.
But the BoE is not alone in being alarmed. Australia's central bank and the Bank of International Settlements have also noted the soaring use of leveraged loans, which now stand at more than $1 trillion.
Lenders have increasingly been issuing loans under looser terms, known as "covenant-lite" arrangements. While these represented a fraction of issuance a decade ago, it is now more than 80% of the market.
The RBA said this brought "additional risks", while the BoE now intends to include leveraged loans into its financial stability "stress tests", which model the ability of the financial system and the economy to withstand major shocks.
Major investors are also starting to warn about the lending products and their associated weak lending standards. In a presentation in London attended by Business Insider last week, Anton Pil, head of J.P. Morgan's $100 billion alternatives investment arm, noted that private credit markets had "exploded in size" over recent years.
Leveraged loans are typically issued by non-bank lenders to companies that are risky borrowers or already highly indebted. The RBA noted there has been particularly strong demand for leveraged loans from special purpose vehicles that repackage them into collateralized loan obligations, or CLOs, to sell to investors — spreading the exposure further across the market in the process.
The pace of growth in leveraged loan issuance — fueled by investor appetite for risk — has been astonishing. In the minutes to its October Financial Policy Committee Meeting this week the BoE said the "global leveraged loan market was larger than – and was growing as quickly as – the US subprime mortgage market had been in 2006".
The private loan market is largely unregulated relative to conventional bank lending, and as investor appetite for risk has remained strong in recent years there has been increasing issuance of private loans that offer much more limited protection to creditors in the event of default — or sometimes almost none.
While a conventional loan will include a covenant limiting what a borrower can do with its assets in the event of a default, the easier lending standards referred to by the central banks involve "covenant-lite" arrangements, known as "cov-lite" for short.
To illustrate the impact of the more widespread use of cov-lite loans, Pil explained a traditional covenant was "a document that says I promise to not sell the chairs and the table without talking to you first. I'll not sell the factory. I'm going to effectively have protections for you as the lender that I'm not going to start liquidating underlying assets, or somehow make your creditor position worse.
"When you have no covenants, I can take cash and distribute it all out. I can sell the assets of the company and you as a debt holder are holding the bag," Pil said.
The concerns from the RBA and the BoE come just weeks after the Bank of International Settlements, also known as the "central bankers' bank", published research on leveraged loans last month.
The BIS noted default rates on the products had started to tick up — albeit only slightly — in the US, but added the Federal Reserve's steady tightening of monetary policy could put further pressure on the system, because the interest rates on leveraged loans are typically floating relative to benchmark Treasury rates.
In the United States, riskier commercial borrowers are among those to have increased their debt. In particular, leveraged loan issuance (loans to non-investment grade or already highly levered firms) has risen faster than aggregate debt in recent years, while high-yield bond issuance has remained at a high level. There has been particularly strong demand for leveraged loans from special purpose vehicles that repackage them into collateralized loan obligations (CLOs) to sell to investors. More than half of total leveraged loan issuance is purchased by CLOs. This may pose some additional risks, as securitized loans can be opaque for investors. Growth in leveraged loans has also been accompanied by some weakening in non-price lending standards. The proportion of leveraged loans that have weaker contractual protections ('covenant-lite') has increased significantly in recent years.
It also noted that "lending terms had loosened in the UK leveraged loan market while the proportion of UK leveraged loans with maintenance covenants had fallen from close to 100% in 2010 to around 20% currently".


Mondello Park currently uses two circuit options for Race Events, the National Track and the International Track. We also have a separate Rallycross layout and other track formats which are used for our Driving Experiences and Track Days.
General requirements Fully zipped together or one piece leathers, Gold acu standard helmet, Gloves and boots. Age 14 and above restrictions apply.


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Real Live Boyfriends: Yes. Boyfriends, plural. If my life weren't complicated, I wouldn't be Ruby Oliver (Ruby Oliver Quartet)
Initial thoughts: I think the only part I'm sad about in finishing this novel is that I have to say goodbye to Ruby Oliver. Following her through this series was such a joy and I can consider E. Lockhart a new favorite author. This was one of the best series of its kind I had the pleasure of reading, and I honestly wish there were more books like this series in the YA spectrum today.Full review:The last Ruby Oliver book? Say it isn't so. :(If anyone wants to know the song that came to mind while I penned this review and though about the book - it's Tegan and Sara's "Back In Your Head". Somehow there are parts of that song that would work swimmingly with this book. But I digress."Real Live Boyfriends" turned out to be an awesome end to E. Lockheart's series, culminating upon many events in the life of its charming protagonist. When we last left Ruby, she was finally starting to have some turns for the better in her relationships, though at the expense of other considerations. Couple that along with her usual scuffles with her parents (Ag!), her sessions with Dr. Z, and rather potent advice about boys and relationships in general, and you get the experience that is this book.I think the additional tag on the title is apt for this book, because - as usual - Ruby has more than a few complications to deal with. Her current relationship with Noel becomes more of a concern when after some distance apart, he doesn't call or talk to Ruby in more than limited spells, if at all, and that has Ruby insecure. She thinks he's either becoming bored with her or doesn't want to be with her at all. Add to the complication her growing relationship with Gideon, trying to patch things up with Nora, trying to keep up with Meghan, and you get the sea of relationships that she has to contend with.I adored the character interactions, humor and attention to different challenges Ruby faces in this book. Ruby's relationship with Noel is way too cute for words (and he cements a new book crush for me - what with his particular fixation on Fruit Roll-Ups among other things), and I could see where Ruby had issues when the two of them were apart (though I suspected that there was more to the story than what his distance would say on its own). I think Ruby has grown to be quite the character through the course of the series, and this book manages to tie things off nicely in its respective resolutions. For me, those ties really paid off and concluded a wonderfully engaging storyline. I really enjoyed it, and it ranks as my favorite YA series of this particular genre. I wouldn't hesitate to recommend it for anyone who wants a funny, immersive, character-focused, and smart series to follow.Overall score: 4.5/5


includes an online gallery with 25-30 images to select for purchase. The gallery will be posted two weeks after your session and will be available for the next 30 days.
covers time, talent, and equipment. It does not include any products, prints, or images on cd.
My wife just listed your mother's house and much to my surprise I came across your site. Well, It's been a few and it looks like you are doing very well. I am happy to hear you are still in theatre. A long way from Godspell. I'm always interested to hear from former students. I'm retired now and traveling quite a bit. I have fond memories of the high school years and often think of the many students who came thru our progrem. It was a special time for me and I hope for you. Things have changed but, Our years were some of the best. Keep the past alive, it's what makes the tomorrows even better.
I am looking for a photographer to participate in my 2014 fall wedding. I hate to be so vague, but we don't have a date, the venue is still up in the air (although considering my folks backyard), and guest count could be 50-80. I don't see anything on your site about working weddings but if you do I would love a quote (rough estimate is great)!


Large two story foyer as you enter this immaculate home! Newer carpet and paint, neutral colors throughout. Main floor family room with wood burning fireplace. Kitchen has stainless steel appliances and new countertop. Main floor laundry and half bath located just off two car garage. All three bedrooms located on second floor with updated baths with granite counters and porcelain floors. Spacious master with attached bath and not just one closet, but three! Full unfinished poured basement that has never had water.


London (AFP) – European stocks slid Thursday before the Bank of England's latest interest rate announcement and wider economic forecasts, with investors beset by Brexit concerns and a darkening eurozone outlook.
Dealers are looking ahead to the Bank of England's updates at 1200GMT, which comes as the British government struggles to push through its Brexit plan and concerns build that the country will leave the EU without a deal on March 29.
The pound wavered on stubborn Brexit fears, as Prime Minister Theresa May headed to Brussels in a bid to alter her deal with the EU — but with most observers saying she has very little chance of success.
The BoE is expected to keep its main interest rate at 0.75 percent but could alter its forecasts for UK economic growth and inflation owing to Brexit uncertainties.
In the eurozone meanwhile, fears are also growing of a slowdown.
The European Commission sharply cut Thursday its 2019 eurozone growth forecast on the unexpected slowdown in Germany and protests in France.
"Yet more bad news reinforces the impression that the eurozone is headed steadily into recession territory," noted IG analyst Chris Beauchamp.
The commission, the EU's executive arm, is now expecting growth of 1.3 percent in the eurozone this year, a significant cut from 1.9 percent predicted in November.
It said Europe is facing international headwinds — including Brexit fears, Italian economic woes and the global trade war — which have now taken the steam out of a post-crisis recovery in the eurozone.
"That eurozone growth downgrade (is) not helping matters, but after their recent surge markets seem quite vulnerable to an outbreak of bad news," Beauchamp told AFP.
Sentiment had already taken a major knock Wednesday as official figures showed that industrial orders in Germany fell back in December, the latest sign of a slowdown in Europe's largest economy.
Elsewhere Thursday, Asian stocks mostly rose as regional investors began to return from their Lunar New Year break, though Tokyo edged lower after a negative lead from Wall Street.
Sydney climbed more than one percent and Wellington put on 0.7 percent. Seoul ended flat, while Mumbai was up 0.1 percent after the Reserve Bank of India cut interest rates.
However, Tokyo fell 0.6 percent despite a near 18-percent surge in SoftBank, its biggest rise in a decade, fuelled by news of a $5.5 billion share buyback.


Home > News > What's New at Kitty Bingo?
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Latest News Bulletin
SAN FRANCISCO (AFP) – Twitter said Friday it has permanently suspended President Donald Trump's account, citing the risk of further violence following the assault on the US Capitol by his supporters.
"After close review of recent Tweets from the @realDonaldTrump account," Twitter said in a blog post explaining its decision, "we have permanently suspended the account due to the risk of further incitement of violence."
Twitter — Trump's favorite megaphone — blocked him for 12 hours after the deadly attack on the US Capitol on Wednesday and threatened permanent suspension if he continued breaking its rules.
The suspended Twitter account of US President Donald Trump appears on an iPhone screen on January 08, 2021 in San Anselmo, California. AFP
Trump returned to Twitter late Thursday, posting a video message that seemed aimed at calming tensions after the mayhem caused by his supporters.
He acknowledged his presidency was ending and promised a smooth transition to Joe Biden, although he did not go so far as to congratulate or even say the name of his successor.
Twitter said at the time it was continuing to watch Trump's social media activity to determine whether further action was needed.
The decision to suspend Trump's account came after a pair of tweets on Friday, according to the one-to-many messaging platform.
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Are you interested in the history of London or just small parts of it? Then get involved and contribute!
Add to the Map
Our map is jam packed with histories, photographs, illustrations, videos, personal stories, and more, covering thousands of years of London's history - records represented by little black squares, as above. Each of these records was added by members of the public and you can add one (or one hundred) too, no need to ask permission. For more information on how to add records, check out our user guide. You can also be inspired by some of our case study collections or simply get right to it and head to the map!
Throughout COVID-19 Lockdown we have run a series of webinars. All webinars are available to view on our YouTube Channel.
17.9.20 - Layers of London Webinar Season Finale: 'Meet the Layers Team!'
For more information including how to book a space visit the IHR's events page.
Crowd Sourcing Campaigns
Anyone can add content on any theme to Layers of London however, we also run campaigns where we're looking for people to contribute specific content relating to a theme. Our current themes are:
My Family History - A project to inspire young people to have conversations with older relatives in order to explore and record memories of local London history
#LondonArrivals - A project capturing why people migrate to the city, where they first lived, and if London lives up to expectations. - Tell us your #LondonArrivals story or read about other's stories about arriving in London
Sounds of Summer - a project capturing the post-lockdown sounds of Summer 2020
Read All About It! - a project mapping media reports from the early 20th century (using the British Library Newspaper Archive)
Recording London's Pubs - a project mapping London's pubs, past and present
Check out our Learning pages for ways to get your school involved in Layers of London including creating a class collection and free downloadable resources
#HistoryOfMySchool - A project for schools of all types to create a Layers' record all about... the history of their school! - More information.
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FIFA general secretary Jerome Valcke sacked
Wednesday, January 13, 2016 - 10:50 AM
Jerome Valcke has been sacked by FIFA as secretary general of the world governing body after ethics charges were brought against him over World Cup ticket sales.
The Frenchman has been suspended since September 17 but a meeting of FIFA's emergency committee has now decided to dismiss him from the organisation.
A FIFA statement said: "The FIFA emergency committee decided to dismiss Jerome Valcke from the position of FIFA secretary general with immediate effect. Jerome Valcke is therefore no longer the secretary general of FIFA.
"The employment relationship between FIFA and Jerome Valcke has also been terminated.
"The duties of the secretary general will continue to be assumed by the acting secretary general, Dr Markus Kattner."
Valcke is facing a nine-year ban from FIFA after an ethics investigation into several alleged offences including being connected to black market sales of World Cup tickets.
FIFA's investigatory chamber finished its probe last week and has recommended a nine-year ban and a fine of 100,000 Swiss francs (£69,000) on charges including conflicts of interest and offering and accepting gifts and other benefits.
Valcke was suspended after allegations were made claiming he planned to benefit from black market World Cup ticket sales. He has denied any wrongdoing, saying his conduct had always been "exemplary".
It is the second time Valcke has been sacked by FIFA – he was dismissed in December 2006 as marketing director after an American judge said he had lied repeatedly during FIFA's botched sponsorship negotiations with rival card giants MasterCard and Visa.
Less than eight months later, however, he was back in FIFA as second in command to president Sepp Blatter, who himself has been banned for eight years by the ethics committee.
Former FIFA officials 'enriched themselves' by €70m, says lawyer
FIFA seek return of "tens of millions of dollars" in bribe money
Former FIFA president Sepp Blatter facing 80th birthday in very different world
Report 'cannot rule out' 2006 World Cup votes being bought
FIFAJerome Valcke.TOPIC: FIFA corruption probe


Visit www.cataracteducation.com to find out what causes cataracts, describes how they are treated and emphasises the importance of visiting your eye doctor regularly.
While regular eye examinations and early diagnosis of eye disease can save much of your vision, in some cases, you may already have incurred some vision loss before you see your doctor and begin treatment. This is commonly called low vision, a condition that can't be corrected with eye glasses, contact lenses, or surgery. There are many products and devices such as magnifiers that can help people with low vision continue to live normal lives. In addition, some eye care professionals specialise in rehabilitation for low vision, so ask your eye doctor for recommendations.


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Nothing can be better than a visit to the parks to see for yourself.
Take a stroll around - Meet your future neighbours - Look at the choice of show homes and plots for a home of your choice.
Meet the Park Managers - It's always best to ring first for an appointment before travelling long distances.
Click here to see our News and Blog.


We seriously have been in a Suzie Walker state of mind! How phenomenal does she look in this Monique Lhuillier black confection for Tootsies?! We are completely obsessed. Don't forget to follow Suzie and Tootsies on Instagram (@suzie4dwalker and @shoptootsies)!


The very best way to learn any international language is simply to immerse your self in the sounds and culture of your TL (goal language). One genuine immersion atmosphere in which you can enhance your language significantly is exactly where the language is spoken and utilized on a every day basis. To advantage fully from your encounter overseas you require to make an work to create plenty of opportunities to interact with the locals and sample the nearby tradition.
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The Outreach Center for Deafness and Blindness
Blind / Visual Impairment
Basics Language/Literacy Family Engagement Assessment Transition Instruction
Deaf / Hard of Hearing
BEST Events College and University Programs Meetings and Events Professional Development Opportunities Statewide Directory of Providers Guidance Documents
Enter a term to search:
Literacy and Deaf / Hard of Hearing
Literacy and Deaf / Hard of Hearing Language and Literacy Resources Sign Language Resources Ohio Summit on Sensory Disabilities
Earlier identification of hearing problems allows for earlier intervention and raises expectations that increasing numbers of children with hearing loss will develop language and literacy abilities that are comparable to their hearing age peers (Mayers, 2007). Studies that have investigated the factors important for reading success beyond single word decoding have found a number of factors to be critical for advanced reading skill development in individuals with hearing loss. Having a strong foundation in a first language is critical, and children with earlier diagnoses and greater vocabulary tend to read better. Two factors that are commonly ignored are parental involvement in education and the child's comfort in communicating with teachers and peers; both affect academic and reading outcomes in children.
Communication Planning Guide for Students Who Are Deaf or Hard of Hearing
Develop meaningful communication avenues for students throughout the day with this comprehensive guide.
Communication is the right that every individual has, and is necessary for full engagement in all aspects of their lives. Communication is uniquely and intensely personal. The world we live in constructs layers and layers of communication, usually built around speaking/listening styles. Children who are deaf or hard of hearing have unique challenges acquiring a language. Early and consistent access to a language is vital to its acquisition and continued development. Hearing loss complicates access to language. However, there are several strategies that are most often employed to build communication skills. There is no single test or exam that can determine which strategy is right for an individual. Understanding and spending time exploring options will allow the child to own the strategy best suited for them.
Children with hearing loss can learn to communicate in a number of ways. Examples of communication options include:
American Sign Language and Written and/or Spoken English;
Natural Gestures, Listening, Speech (Lip) Reading, Spoken Speech;
Auditory-Oral;
Auditory-Verbal Therapy;
Listening, Spoken Speech;
Cued Speech;
Conceptually Accurate Signed English (CASE);
Signing Exact English (SEE);
Finger Spelling; and
Manually Coded English (MCE).
Some families of children with hearing loss may choose to communicate using American Sign Language, a distinct language with its own grammar and syntax that uses hand signs and gestures, body movements, and facial expressions to represent words and phrases. Other families may choose approaches that build upon the English language when communicating. Cued Speech combines the natural lip movements of speech with hand shapes representing phonetic sounds, providing additional visual cues so that sounds such as "p" and "b" or "f" and "v" can be distinguished. Other families may choose to use the Auditory-Verbal Therapy. Here, a child uses his or her natural hearing ability, along with lip-reading and hearing devices, to enhance speaking and language skills.
Because language development begins early, selecting the approach that is the best match for the child's needs should be done early and interact using that approach should be done frequently. Getting feedback and suggestions from professionals about communication options can help with navigating all the options available. Professionals may include:
Audiologist,
Otolaryngologist,
Pediatrician,
Speech and Language Pathologist, or
Early Intervention Provider.
Hearing loss can affect a child's ability to develop speech, language, and social skills. The earlier a child who is deaf or hard-of-hearing starts getting intervention and services, the more likely the child's speech, language, and social skills will reach their full potential.
It's important to keep in mind what works best for each family. Some families choose a single approach, while other find a combination works best for them.
Collaborative Supports
A division of the ESC of Central Ohio


A native of Philadelphia, David Goodis's signature style was a pulp expressionism who brought a jazzy edge to his spare, passionate novels of mean streets and doomed protagonists. His big break came in 1946 with the publication of Dark Passage, which was made into a film starring Bogart and Bacall. He wrote seventeen novels (including Down There, adapted by François Truffaut for his 1960 film Shoot the Piano Player), numerous short stories, film treatments, and scripts for such radio serials as Superman. He died in 1967.
The Moon in the Gutter is also in the Library of America collection David Goodis: Five Noir Novels of the 1940s & 50s.


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Minamo Zima är en ö i Antarktis. Den ligger i havet utanför Östantarktis. Norge gör anspråk på området.

Källor

Öar i Östantarktis
Norges anspråk i Antarktis

redpajama_set_name: RedPajamaWikipedia


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Video Showcases
Search MLS®
Sold with Robert Greenberg Team
Purchased with Robert Greenberg Team
199 Church St Condo
Robert Greenberg Team
199 Church Street Condos is a luxury pre-construction condominium development in Toronto. This pre-construction project by CentreCourt Developments and Parallax Development Corporation is located at 199 Church St in Garden District Neighbourhood. By choosing this condo, residents make the switch from commuters forced to leave downtown to being part of an exclusive community.
Developer: CentreCourt Developments & Parallax Development Corporation
Approx. Occupancy Date: Q4 2023
Address: 199 Church Street (Church and Dundas E)
Main Intersection: Church and Dundas E
Architect: Teeple Architects
Building Size: 39 Stories
Request Floor Plan and Price List
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Email: info@robertgreenberg.com
2145 Avenue Road, Toronto, ON, Canada
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REALTOR®, REALTORS®, and the REALTOR® logo are certification marks that are owned by REALTOR® Canada Inc. and licensed exclusively to The Canadian Real Estate Association (CREA). These certification marks identify real estate professionals who are members of CREA and who must abide by CREA's By-Laws, Rules, and the REALTOR® Code. The MLS® trademark and the MLS® logo are owned by CREA and identify the professional real estate services provided by members of CREA.
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INCANT: a transnational randomized trial of Multidimensional Family therapy versus treatment as usual for adolescents with cannabis use disorder
Rigter, H; Pelc, I; Tossmann, P; Phan, O; Grichting, Esther; Hendriks, V; Rowe, C (2010). INCANT: a transnational randomized trial of Multidimensional Family therapy versus treatment as usual for adolescents with cannabis use disorder. BMC Psychiatry, 10:28.
BACKGROUND: In 2003, the governments of Belgium, France, Germany, the Netherlands and Switzerland agreed that there was a need in Europe for a treatment programme for adolescents with cannabis use disorders and other behavioural problems. Based on an exhaustive literature review of evidence-based treatments and an international experts meeting, Multidimensional Family Therapy (MDFT) was selected for a pilot study first, which was successful, and then for a joint, transnational randomized controlled trial named INCANT (INternational CAnnabis Need for Treatment).
METHODS/DESIGN: INCANT is a randomized controlled trial (RCT) with an open-label, parallel group design. This study compares MDFT with treatment as usual (TAU) at and across sites in Brussels, Berlin, Paris, The Hague and Geneva. Assessments are at baseline and at 3, 6, 9 and 12 months after randomization. A minimum of 450 cases in total is required; sites will recruit 60 cases each in Belgium and Switzerland, and a maximum of 120 each in France, Germany and the Netherlands.Eligible for INCANT are adolescents from 13 through 18 years of age with a cannabis use disorder (dependence or abuse), with at least one parent willing to take part in the treatment. Randomization is concealed to, and therefore beyond control by, the researcher/site requesting it. Randomization is stratified as to gender, age and level of cannabis consumption.Assessments focus on substance use; mental function; behavioural problems; and functioning regarding family, school, peers and leisure time.For outcome analyses, the study will use state of the art latent growth curve modelling techniques, including all randomized participants according to the intention-to-treat principle.INCANT has been approved by the appropriate ethical boards in Belgium, France, Germany, the Netherlands, Switzerland, and the University of Miami Miller School of Medicine. INCANT is funded by the (federal) Ministries of Health of Belgium, Germany, the Netherlands, Switzerland, and by MILDT: the Mission Interministerielle de Lutte Contra la Drogue et de Toximanie, France.
DISCUSSION: Until recently, cannabis use disorders in adolescents were not viewed in Europe as requiring treatment, and the co-occurrence of such disorders with other mental and behavioural problems was underestimated. This has changed now.Initially, there was doubt that a RCT would be feasible in treatment sectors and countries with no experience in this type of study. INCANT has proven that such doubts are unjustified. Governments and treatment sites from the five participating countries agreed on a sound study protocol, and the INCANT trial is now underway as planned.
101 downloads since deposited on 31 Jan 2011
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https://doi.org/10.1186/1471-244X-10-28
Permanent URL: https://doi.org/10.5167/uzh-43871
Rigter, H* Corresponding author
Erasmus MC, Rotterdam, Netherlands
Leiden University Medical Center - LUMC, Leiden, Netherlands
Pelc, I
Centre Hospitalier Universitaire Brugmann, Brussels, Brussels, Belgium
Tossmann, P
Delphi-Gesellschaft für Forschung, Berlin, Germany
Phan, O
L'Institut Mutualiste Montsouris, Paris, France
Grichting, Esther
Institut für Sucht-und Gesundheitsforschung Zürich, Zurich, Switzerland
Hendriks, V
PARC, Den Haag, Netherlands
Rowe, C
University of Miami Leonard M. Miller School of Medicine, Miami, United States


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News 2 OUR TEAM Director David Edlington Managing editor Myles Morgan Editor Shane Hendrickson: (02) 6265 2253 Deputy editor Jessica Deotto Reporters Sgt Mark Doran Sgt Max Bree Cpl Sebastian Beurich Cpl Veronica O'Hara LS Jake Badior armynews@defencenews.gov.au The Editor, Army News, R1-GF-C039, PO Box 7909, Department of Defence, ACT 2600 Advertising and subscriptions Marketing Manager Tim Asher: (07) 3332 7651 or 0459 842 551 Assistant Marketing Manager Pam Clarke: (02) 6265 2427 advertising@defencenews.gov.au or subscriptions1@defencenews.gov.au DISCLAIMER Army News is published fortnightly by the Directorate of Defence News. It is printed by Spotpress Pty Ltd. The mate- rial published is selected for its interest. The views expressed in published arti- cles are not necessarily those of Defence or Army News. Every advertisement is subject to Directorate of Defence News approval and the Directorate of Defence News may, at its discretion, refuse to accept an advertisement. The Directorate accepts no responsibility or liability in relation to any loss due to the failure of an advertisement to appear or if it appears in a form not in accordance with the instructions received by the Directorate of Defence News. Defence does not endorse the products or services pub- lished in advertisements. Web: defence.gov.au/news/ armynews. While there, register to receive an email alert for each new digital edition App: Search for Army News Australia in the Apple App Store or the Google Play Store READ US ONLINE army.gov.au facebook.com/ AustralianArmy youtube.com/ AustralianArmyHQ OTHER ARMY AND DEFENCE CHANNELS ISSN: 0729-5685 (Print) ISSN: 2209-2218 (Online) CORRECTION On page 8 of the March 21 edition of Army News in the story titled Show of Capability, the references to 1RAR and 5RAR were incorrect and should have read 1 Av Regt and 5 Av Regt, respectively. I N ANCIENT times, a fire- breathing beast made from differ- ent animal parts was an omen of disaster. This beast was known as a chimera. Rather than show off claws and teeth, the modern Exercise Chimera displayed the high-tech sensors and explosively-formed projectile of the SMArt 155 (Sensor-fused Munition for Artillery, Calibre 155) artillery round. It was the first live fire of Army's SMArt 155 and precision-guided kit (PGK) fuze. The new muni- tions destroyed three old Leopard tanks during the exercise at Shoalwater Bay from March 24-25. It was 107 Bty, 4 Regt, RAA, who took the honour of firing the first SMArt 155 round. Lt Hamish Jolly, command post officer for 107 Bty, checked the fire mission from the JFECC and ensured data was correct before sending infor- mation to the gun line. "The battery was able to work though the mission and get effects on target," he said. "As we had been working up to this over the past two weeks, the pro- cess was relatively efficient. "We now have data on the use of SMArt and PGK and have experi- enced its use." Exercise Chimera, led by 4 Regt, RAA, was combined with the culmi- nating activity of their annual Shot Start exercise. It was also the first time new all three gun regiments fired together in 11 years. OPSO 4 Regt, RAA, Maj Christopher D'Aquino said gunners went through RSO&I, dry fire and live fire, finishing in the SMArt 155 prac- tice. "We pro- gressed through a three-day dry- fire component, then five days of live firing at battery level – by day and night – with Regt HQ as ExCon over the top," Maj D'Aquino said. "We were supported by 1RAR's RSS, which was excellent, providing an integration into our JFTs. "They provided mortars that inte- grated with and fired in support of us. "CSSB provided recovery assets which enabled us to emplace Leopard tanks as targets." The data obtained from Exercise Chimera will be passed to Army Knowledge Group and the School of Artillery to update doctrine. A direct hit A new artillery round readies Army to meet the challenges of the contemporary battlefield and looks ahead to future warfare, reports Capt Carrie Robards. ' As we had been working up to this over the past two weeks the process was relatively efficient. – Lt Hamish Jolly, 107 Bty command post officer An M1156 precision-guided kit fuze for firing with a M777 howitzer is set.


The Vermont Dept. of Health/Agency of Human Services "Refugee Domestic Health Assessment Form" was reviewed, edited, and reformatted to improve provider work-flow, ensure accuracy, and ease the process of data collection. This form was redesigned specifically to be used by providers in Rutland, VT when assessing the health of newly-arrived Syrian refugees.
Grant, Ian, "Domestic Health Assessment for Syrian Refugees in Rutland, VT" (2017). Family Medicine Clerkship Student Projects. 222.


Lady Gaga took the stage for the 5th year in a row to perform her Oscar nominated song Shallow! She was joined by Mark Ronson and her band to perform a rock version of the song.
Download the audio to the performance here.


text:
Colin Ursell
Revision as of 13:48, 19 July 2018 by Baroncolin (talk | contribs) (→Awards)
Resides: Canton of the Towers in the Barony of Carolingia
Azure, a barrel fesswise Or and on a chief triangular argent a bear's head couped sable.
2 Interests
4 Offices & Positions
Colin just recently (June 2012) moved to the Canton of Towers within the Barony of Carolingia in the East Kingdom. He has been active in the SCA in Carolingia since about 1989.
Colin's primary SCA activity is Archery, but he has been known to do some Fencing and Brewing.
Colin is a former Yeoman to Master Li Kung Lo, having "graduated" with honors.
Offices & Positions
Archery Marshal (July 2001 to present)
Steward (Keeper of the Stuff) for Carolingia (from 1993 to 1997, and again currently)
Former Co-chronicler for the combined newsletter of Carolingia and its Canton of Towers (The Miniscule and The Oubliette)
Former Assistant Provost for the Borough of Fenmere (Brandeis) about 1990
Served as a Stretcher Bearer on Li Kung Lo's chirurgical team for the Pennsic Woods Battle for several years
12/28/1991 Award of Arms
12/16/1993 Achieved Grand Master Bowman status
12/10/1994 Companion of the Daystar (Service, Carolingia)
03/02/1996 Companion of the Sagittarius
07/12/2003 Baronial Archery Champion, Carolingia
07/14/2011 Companion of the Perseus (Martial Arts, Carolingia)
04/04/2015 Invested as Baron Carolingia by Edward III and Thyra II at the Carolingian Baronial Investiture at the German American Club in Walpole, MA
Retrieved from "https://wiki.eastkingdom.org/index.php?title=Colin_Ursell&oldid=56484"


text:
The 3,204-ton Norwegian freighter Novasli had arrived in Philadelphia, Pennsylvania, United States from England, United Kingdom on 17 Jan 1945, where she had taken on board 1,123 standards of lumber, before leaving for Boston and Halifax on 4 Feb 1945, arriving at Halifax on 13 Feb. She left Halifax again on 16 Feb for Swansea Bay and London in Convoy SC 167, station 31. The ship reached St. Georges Channel on 2 Mar and was just off Milford Haven when she was torpedoed in the stern by German submarine U-1302 (Kapitänleutnant Wolfgang Herwartz). The rudder and propeller were blown away, and she had a crack behind midships on both sides from the gunwale and as far down as they could see, with an opening of about 1-foot wide from the rail and down, and water gushed into the engine room. Three lifeboats were sent away from the ship while the captain, the first mate, the radio operator, steward and mess boy remained on board, and that afternoon she was taken in tow. However, the water kept rising in and the aft section sank deeper, until the sea was washing over the midships deck when they left the ship. The survivors were picked up by the trawler HMS Helier II (FY-312), which shelled, and depth charged the wreck, and by midnight she was gone. Novasli's crew were landed in Milford Haven. ww2dbase [HM]
USS S-43 departed Australia. ww2dbase [S-43 | CPC]
In Burma, Corporal Fazal Din was attacked by six sword wielding Japanese after taking an enemy bunker and was run through the chest by one of them. As the officer pulled the sword out, Din wrestled it from him and killed him with his own weapon. Din took down another man and, waving the sword in the air, urged his men on to victory before collapsing. He died shortly afterwards and was awarded a posthumous Victoria Cross. ww2dbase [AC]
At Kamye, Burma, Corporal Gian Singh took out a series of foxholes and an anti-tank gun with Thompson submachine gun and grenades despite serious wounds. He was awarded the Victoria Cross. ww2dbase [Kamye | AC]
Anglo-Indian troops attacked Meiktila, Burma. ww2dbase [Battle of Meiktila-Mandalay | Meiktila | CPC]
Elements of US Ninth Army reached the Rhine River at Neuss, Germany. To the north US Third Army captures Trier, Germany. ww2dbase [Advance to the Rhine | TH]
The RAF conducted its last major raid on Köln (Cologne), Germany with 858 aircraft; also on this date, one USAAF B-17 bomber attacked Köln as a target of opportunity. ww2dbase [Bombing of Hamburg, Dresden, and Other Cities | Köln, Köln-Aachen | CPC]
Colonel General Walter Weiß reported that his forces in the Danzig-Westpreußen region of Germany (occupied Danzig and Poland) were surrounded by Soviet troops. ww2dbase [East Pomeranian Offensive | Danzig-Westpreußen | CPC]
German General of the Infantry Hermann Niehoff was named the commanding officer of the Fortress City of Breslau. ww2dbase [Silesian Offensive and the Siege of Breslau | Breslau, Niederschlesien | CPC]
1st Lieutenant Theodore Sedvert, flying a P-51 fighter, shot down Oberfaehrich Horst Netzeband, flying a Me 262 jet fighter. Netzeband was wounded in the hip, causing him to be unable to bail out and to be killed when the aircraft crashed near Dillingen, Germany at 0935 hours. ww2dbase [CPC]
Barbers Point Naval Air Station: Air Group 85 departed. ww2dbase [Barbers Point Naval Air Station | Ewa, Oahu | DS]
US Far East Air Force B-24, B-25, A-20, and fighter-bomber aircraft attacked Kagi Airfield in Kagi (now Chiayi), Taiwan. ww2dbase [Kagi Airfield | Kagi, Tainan | CPC]
US B-24, B-25, and A-20 aircraft attacked Matsuyama Airfield in Taihoku (now Taipei), Taiwan. ww2dbase [Matsuyama Airfield | Taihoku | CPC]
Escort carriers USS Card and Bogue departed Liverpool bound for New York. ww2dbase [Card | Bogue | Liverpool, England | DS]
Photo(s) dated 2 Mar 1945
See all photos dated 2 Mar 1945
2 Mar 1945 Interactive Map
Subhash Chandra Bose and Heinrich Himmler, Germany, summer 1942, photo 2 of 5
"The raising of that flag on Suribachi means a Marine Corps for the next 500 years."
James Forrestal, Secretary of the Navy, 23 Feb 1945


My music is on a networked storage drive and TuneUp is running extremely slow. Can I do anything to speed the process up?
Is the information that TuneUp writes to tracks visible to other software or devices (on my home network)?
How can I tell if WMP is properly connected to TuneUp?


Для управления объектами с помощью мыши.
Joint:getBodies Gets the bodies that the Joint is attached to.
Joint:getUserData Returns the Lua value associated with this Joint.
Joint:isDestroyed Gets whether the Joint is destroyed.
Joint:setCollideConnected Sets whether the connected Bodies should collide with each other.
Joint:setUserData Associates a Lua value with the Joint.
MouseJoint:getDampingRatio Returns the damping ratio.
MouseJoint:getMaxForce Gets the highest allowed force.
MouseJoint:getTarget Gets the target point.
MouseJoint:setDampingRatio Sets a new damping ratio.
MouseJoint:setFrequency Sets a new frequency.
MouseJoint:setMaxForce Sets the highest allowed force.
MouseJoint:setTarget Sets the target point.
This page was last modified on 18 December 2010, at 15:25.


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The advisory committee voted 8-8 on approving the drug, to be called Zynquista, which would be the first oral medication for people with Type 1 diabetes. The big theme of this year's World Economic Forum in Davos will be 'Globalization 4.0', But as Laura Frykberg reports, some of the world's biggest leaders won't be there to discuss it. Read full story for latest details. In The Red Address Book, by Sofia Lundberg, an elderly woman looks back at the loves of her life.
British mother-of-three Beverley Turner, 45, from London took to Twitter after watching Ben Fogle New Lives in the Wild, and revealed it had inspired her to wash her hair in pee. Many voters in western Iowa still like Mr. King, even after Congress rebuked him for his views on white supremacy, but also think that his career is effectively over.
Rating: 10 /10 on 202 reviews.


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Stamford Downtown's
KIDZ BOP Announces All-New 2023 Tour with Two Shows at Stamford's Palace Theatre on June 24 & 25 -: KIDZ BOP, the #1 music brand for kids, announced its brand-new tour, KIDZ BOP Never Stop, kicking off with two shows at Stamford's Palace Theatre on Saturday, June 24 (6:00 pm) and Sunday, June 25 (2:00 pm). Presented by The Palace
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The Mayor's Gallery presents: "Jean Benoit's Journey" paintings inspired by cultural and equine imagery: The Mayor's Gallery presents "Jean Benoit's Journey": oil paintings inspired by cultural and equine imagery from January 10 – March 3, 2023 Artists' reception Thursday, January 12th 5:30 - 7:30 PM The Stamford Mayor's Gallery presents "Jean Benoit's Journey": oil paintings inspired by cultural
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CT State Police Announce Weekend Sobriety Checkpoints
Published on Thursday, 28 August 2014 12:30
Written by CT STATE POLICE
2014 LABOR DAY WEEKEND DUI ROVING PATROLS AND SOBRIETY CHECKPOINTS
08/29/14 Roving Patrols: Route 8 in towns of Litchfield, Morris, Burlington and Harwinton
08/29/14 Roving patrols: Interstate 95 between exits 5 and 44
08/31/14 Roving patrols: Interstate 95 between exits 20 and 56
08/29/14 DUI Sobriety Checkpoint: Federal Road on Route 202 at Nabby Road in Danbury
This will be in conjunction with the Breath Alcohol Testing Mobile Unit
08/30/14 Roving Patrols: Interstate 84 in the Greater Waterbury and Danbury Troop A patrol areas
08/29/14 Roving Patrols: Route 7 and 44 in North Canaan and Salisbury areas
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