text:
Q: How to make a function if a number is greater than others I have buttons so once you click them, it adds one to a number next to it.I want to compare these numbers and have a function happen based on which one is bigger. Here's my code

    <button class="song1box" onClick="onClick()"></button>

Song #1

    <button class="song2box" onClick="onClick2()"></button>

Song #2

    <button class="song3box" onClick="onClick3()"></button>

Song #3

    <button class="song4box" onClick="onClick4()"></button>

Song #4

    <button class="song5box" onClick="onClick5()"></button>

Song #5

Clicks: 0

Clicks: 0

Clicks: 0

Clicks: 0

Clicks: 0

JAVASCRIPT:

    const click1var = document.getElementById("clicks1").value
    const click2var = document.getElementById("clicks2").value
    const click3var = document.getElementById("clicks3").value
    const click4var = document.getElementById("clicks4").value
    const click5var = document.getElementById("clicks5").value

    playbutton.onclick = function(){
    ad.play();
    if (Math.max(click1var, click2var, click3var, click4var, click5var) == click1var){
        song1.play();
    }
    if (Math.max(click1var, click2var, click3var, click4var, click5var) == click2var){
        song2.play();
    }
    if (Math.max(click1var, click2var, click3var, click4var, click5var) == click3var){
        song3.play();
    }
    if (Math.max(click1var, click2var, click3var, click4var, click5var) == click4var){
        song4.play();
    }
    if (Math.max(click1var, click2var, click3var, click4var, click5var) == click5var){
        song5.play();
    }
}

A: Say you have two variables, clickAVar and clickBVar. You can execute code based on which one is bigger using the following snippet.
if(clickAVar > clickBVar){
  // insert code here for when A is bigger
} else {
  // insert code here for when B is bigger (or they're equal)
}

I'll leave it up to you to integrate this into your app.


An amazing experience coming from Marin, CA. We have had nothing but the most positive experience in a well-oraganized, stimulating school!So happy that my kids had their educational foundation at Timber Trail!!
Readers need to take these reviews with a grain of salt. This is a wonderful school in a high performing district with skilled and dedicated teachers and staff. We are very pleased with our experience at the school. Timber Trail has GREAT teachers. They reach out to all students from gifted to special needs. One of their teachers just received the coveted Teacher of the Year award for last year. They offer enrichment opportunities for students showing command of the material such as in math and reading. It has been my experience that they actively seek to find the appropriate level for students so they can learn best. I find Michele Radke very personable and treats the kids with great respect. She is very involved and I think she handles her job very well, with a high teacher retention. The communication by the teachers was good before and has become even better, meaning greater transparency, including the weekly class emails. From what I see this year, they explain what is coming- for example, as in writing assignments and what has transpired and give you something to chat with your child about should you choose to do so. I have seen repeated encouragement to engage your child in conversation about school topics by the teachers. I like that and appreciate knowing what is going on. This is an improvement, to something that was fine before. My experience is that the vast majority of parents are extremely happy with the climate at TTE.
A zero. A letter grade of F. When trust in the administration, leadership and educators is gone, there is simply nothing left.
I am not sure what a previous reviewer is talking about with programs for gifted children. I have not heard anything about experts from outside universities coming in to build this program and we have been at this school for 5 years. My oldest scored very high on the Cogat test last year and no one said a word to us. I have asked for enrichment for both of my sons multiple times because they are bored at school and need challenged. No one seems to know what to do in this situation and my requests have not been addressed. So we will continue to work with our kids at home to fill in the gaps that are missing. We are actively looking for other options for next year.
Pay attention... Look at the dates of the reviews, there must have been a meeting the beginning of October 2016, to push positive rating and comments. Then look again at the entrees for 2015, again a large group of positive comments on October 26th. This is the start of open enrollment.11 positive reviews on February 24, 2017. Wow, that is more than any other year has for a total. Let's make real honest reviews here! Read TTEA meeting minutes from 2-13-17, Pricipal Report. Radke specifically stated to put good reviews on this site along with another website. This school should be rated a zero, due to the principal and the building resource teacher. Their communication skills are horrible to say the least. Good luck here if your kid is anything but run of the mill. Average kids get by, just doing the daily grind. Have an advance kid and there is no plan to keep them challenged. Especially since the students are only taught to state testing levels. Have a below average kid and they stay stuck there by being grouped in a lower level learning program. I have a kid in each situation, so I am commenting on first hand experiences. I also volunteer in the classroom, I see what is happening or should I say lack of what is being taught. I want out, but the wait list for others schools is over 100 for the grades my kids are in. The student count is currently very low, so they will take all and any open enrollments. That explains the lower number of students in the classroom. Beware, this is not a place you want your kids to be a part of.
Your child's education is your top priority. We know that because—well, you're looking at this page, aren't you? If you think your kid would feel right at home at Timber Trail Elementary School, and you are contemplating moving closer so the little rascal will never miss a class, we have some good news for you and your family. Commute will never be an issue if you pick an apartment within 5 miles of Timber Trail Elementary School, and that should not be hard as you can currently choose from 109 apartments for rent available in this part of Castle Rock. Not familiar with rent prices in the area? The cheapest apartment near Timber Trail Elementary School is currently at Venue at the Promenade, renting for $1,350 per month, but if $4,230 is still within your budget, check out the more luxurious offers at Avant at Castle Pines. Or just do what most other parents do and go for the middle ground—that's where you get the best value for money most of the time.
Before you start packing, make sure Timber Trail Elementary School is really the best option for your child. To recap, Timber Trail Elementary School is a well-known public K-5 school in Castle Rock. It is located at 690 Castle Pines Parkway, Castle Rock, CO 80108 and it is the second home of 552 students. Please note that available apartments near a given school are filtered by proximity, not by attendance zone. We advise parents to visit the schools in person and contact the admissions offices for further information on school performance and attendance zones before making a final decision.


BALA CYNWYD, September 29, 2017 /Access Wire/ – Law office of Brodsky & Smith, LLC announces that it is investigating potential claims against the Board of Directors of Exa Corporation ("Exa" or "the Company") (Nasdaq- EXA-News) for possible breaches of fiduciary duty and other violations of federal and state law in connection with the sale of the Company to Dassault Systems ("Dassault").
Under the terms of the transaction, Exa shareholders will receive only $24.25 in cash for each share of Exa stock they own. The investigation concerns whether the Board of Exa breached their fiduciary duties to shareholders and whether Dassault is underpaying for the Company. The transaction may undervalue the Company and may not be in the Exa shareholders best interests due to the process employed by the Exa Board.
If you own shares of Exa stock and wish to discuss the legal ramifications of the investigation, or have any questions, you may e-mail or call the law office of Brodsky & Smith, LLC who will, without obligation or cost to you, attempt to answer your questions. You may contact Jason L. Brodsky, Esquire or Evan J. Smith, Esquire at Brodsky & Smith, LLC, Two Bala Plaza, Suite 510, Bala Cynwyd, PA 19004, or calling toll free 877-LEGAL-90.


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text:
Property Casualty Focus
You are here: Home / Cybersecurity / Failure to Procure Cyber Insurance Could Haunt Your Company
Failure to Procure Cyber Insurance Could Haunt Your Company
October 29, 2018 by Gregory Gidus and John C. Pitblado
A federal court in Florida recently adopted the now well-developed consensus that data breach losses are not covered under standard Commercial General Liability (CGL) policies. As the Department of Homeland Security's officially designated 15th annual Cybersecurity Awareness Month comes to a close, the case stands as yet another stark warning that companies of all sizes – any company that uses, collects, stores or handles confidential personal information such as credit card numbers, social security numbers, etc. – MUST address exposure to hacking and other data breach events before they occur. One of the pillars of preparedness for such events is ensuring the company is appropriately insured, so companies should be in close communication with their brokers about standalone cyber products. These products not only respond when data breaches and other hacking events occur, but they often also come with loss prevention services and the underwriting process itself can reveal weaknesses in a company's cybersecurity regime.
While most companies now recognize the importance of cyber insurance, data from as recently as 2017 indicates that the United States lags behind Canada and Europe on the cyber-insurance uptake rate, with as few as 50 percent of companies having purchased such coverage. It should be clear by now that such coverage is critical.
ISO has promulgated form cyber coverages for several years, and at least as far back as 2013 began recommending and standardizing language to exclude data breaches and other cyber events from standard CGL coverage, as it was never intended to cover these types of risks, which are by now prevalent and well-known.
The policy at issue in St. Paul Fire & Marine Insurance Co. v. Rosen Millennium, Inc., No. 6:17-cv-00540-CEM-GJK (M.D. Fla. Sept. 28, 2018) was issued in early 2014, around the time when these changes to the "modern" commercial insurance regime (i.e., right now, as the cybersecurity landscape has evolved so quickly as to render 2014 ancient history) were nascent. The case shows yet again, however, that standard CGL coverage was never intended to cover these types of risk. In particular, the court held, as others have, that the personal injury coverage in CGL policies is not triggered by third-party liability for exposing the policyholder's consumer data.
In Rosen, St. Paul Fire & Marine Insurance Company insured Rosen Millennium, Inc. under two consecutive commercial general liability policies that required St. Paul to defend Millennium against claims for bodily injury, property damage, and personal injury. Millennium, a wholly-owned subsidiary of Rosen Hotels & Resorts, Inc., provided data security services for Rosen Hotels. In 2016, Rosen Hotels discovered that it was the subject of a credit card breach that occurred when malware was installed on its payment network. Rosen Hotels provided notification of the data breach to the potentially affected customers.
Rosen Hotels then notified Millennium, contending that the data breach was caused by Millennium's negligence and inquired whether Millennium had insurance coverage for the loss. Millennium in turn notified its CGL carrier, St. Paul. St. Paul initially issued a reservation of rights letter that stated that there was no coverage for the claim, but invited Millennium to submit additional information. When Millennium did not submit any additional information, St. Paul initiated a declaratory judgment action against Millennium and Rosen Hotels, seeking a declaration that it did not have a duty to defend Millennium against the data breach claim by Rosen Hotels. Thereafter, Rosen Hotels sent a demand letter to Millennium, alleging that it was entitled to payment from Millennium as a result of the data breach.
At the outset, the court noted that it must analyze St. Paul's duty to defend in light of the demand letter because there was no underlying litigation. According to the court, this demand letter included very little detail and simply tracked the language of the personal injury provisions in the CGL Policies. Because it did not mention property damage or the costs incurred in providing notice of the data breach, the court only addressed coverage under the personal injury provisions.
The St. Paul CGL policies provided coverage for "personal injury" resulting from Millennium's "business activities." "Personal injury" was defined as an "injury, other than bodily injury or advertising injury … caused by a personal injury offense." "Personal injury offense" included "[m]aking known to any person or organization covered material that violates a person's right to privacy." The parties agreed that the credit card information released was "covered material" and that "making known" meant "publication," even though "making known" was not defined in the CGL policies.
The court found that the third-party breaches were not covered by the CGL policies because the publication requirement was not met. In so ruling, the court was persuaded by another recent decision by the same court in Innovak Int'l, Inc. v. Hanover Ins. Co., No. 8:16-CV-2453-MSS-JSS, (M.D. Fla. Nov. 17, 2017). The Innovak court, applying South Carolina law, ruled (as discussed here), that the publication requirement was only satisfied where the insured, not a third-party hacker, was the publisher of the covered material. Quoting the Supreme Court of New York's seminal decision in Zurich American Insurance Company v. Sony Corporation of America, No. 651982/2011, 2014 WL 8382554 (N.Y. Sup. Ct. Feb. 21, 2014), the Innovak court stated that "construing the policy to include the acts of third parties 'would expand coverage beyond what the insurance carriers were … knowingly entering into.'"
Thus, because Millennium itself did not publish the breached credit card information, the court ruled that the personal injury coverage was not triggered. The court further noted that any "personal injury" would not have resulted from Millennium's "business activities," as required by the CGL policies, but instead from the actions of third parties. Lastly, the court distinguished several other data breach cases finding a duty to defend because none of those cases involved data breaches caused by third parties. Given that the court found no coverage under the insuring agreement, it did not address any exclusions in the policy, although it appears St. Paul may have had arguments regarding the applicability of a cyber-related exclusion.
Given the time frame involved, it is not surprising that Millennium had by then also purchased cyber-specific coverage. Indeed, St. Paul relied on this fact, pointing out in its motion for summary judgment that Millennium had cyber coverage through a Beazley Breach Response policy issued to both Millennium and Rosen. Unfortunately for Millennium, Beazley also denied coverage for the loss under the breach response policy because the loss occurred prior to that policy's retroactive date, further highlighting the importance of obtaining a policy that effectively covers the policyholder's cyber risk.
While the policyholder has filed a notice of appeal, it is unlikely the Eleventh Circuit will disturb the result. There is no indication as to whether Millennium is also pursuing Beazley regarding its denial, or may be seeking other avenues of recourse, such as action against its broker. But the result is a clear warning to companies that remain undecided about purchasing cyber coverage, regardless of their size. Just as no company with a fleet of vehicles would ever fail to consider purchasing commercial auto insurance, no company that handles customer payment information (which is nearly every company) should fail to consider purchasing data breach coverage.
Six Degrees of Separation: Eleventh Circuit Upholds a Broad 'Related Claims' Provision
Another Sentinel Strike: California District Court Dismisses Financial Elder Abuse and Fraud Claims
About Gregory Gidus
Gregory A. Gidus is an associate at Carlton Fields in Tampa, Florida. Connect with Gregory on LinkedIn.
About John C. Pitblado
John Pitblado is a shareholder at Carlton Fields in Hartford, Connecticut. Connect with John on LinkedIn.
Defining the Contours of Cyber Coverage for Data Breach: a Warning in Arizona
Cyber Risk as a Regulatory Issue: Tales of Encryption
Cyber Risk as a Regulatory Issue: A Connecticut Regulator Shares Her Insights
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About six weeks ago I received the Rumble Roller Gator for review. As many of you may know, I'm a huge fan of foam rollers. Over the years, I've graduated from a simple foam roller to a much more structured foam roller. While more expensive (typically $40-$150), a quality foam roller last a lot longer and give you better massage than a regular foam roller. I've used numerous over the years as seen below.
The RumbleRoller rollers are very solid, high quality rollers that should last you for your running career. I will say that these rollers are not for the faint of heart as they really dig into your muscle, as they should, compared to a simple foam roller.
As shown above, in comparing the original RumbleRoller to the Gator, the knobs on the original are much larger. They provide a much deeper massage into the muscle. While i think the original is a great roller, many probably cannot handle how it feels until you get used to it. The Gator is much better in this regard.
While the Gator also has knobs that give a nice massage, they don't dig into you so hard. You can really slow down on the roller when using it so that you can work on a particular area. The Gator is also better suited for home use and is not really travel friendly like the Original.
The roller itself has the same high quality materials from the original roller. I think that it will stand up for years of abuse. I've gone through numerous other brands and RumbleRoller has yet to wear out on me. To give you an idea of use, I use a roller before and after every run and I also use it every evening before going to bed. I also use it each morning that I don't run and sometimes more after marathons or longer races. I use it even if NOT injured. I'm sure I use a roller much more than your average runner but I also feel it helps keep me running healthy.
RumbleRoller suggests rolling normally or holding the roller stationary while shifting your body (Cross Friction as they call it) against it to create shear forces. This allows the roller to help pull tissues apart. In my opinion, this helps you recover quicker. I've always felt that the roller helped me get out the following day even if I didn't feel like it.
If you have not used a foam roller before and are considering getting one, I think the Gator is a great option to try out. For me, there are not a large amount of products that I feel I can't live without for running. A Roller is one of them. Interested in learning more?
Check out their Twitter page.
Disclosure: I received a Rumble Roller Gator in exchange for this review.


I am a purger by nature. But my husband… not so much. I had to wrestle a moth-eaten college sweater out of his hands. So imagine suggesting to him that we get a new bed after almost 25 years!
It all started because someone in my family (Tim) has developed restless leg syndrome. Or, at least that is my diagnosis as Dr. Dowling.
After 6 months of deteriorating sleep, I decided we needed to get a new bed.
This decision did not go over well. We bought our bed frame in LA at this great place called Civilization on Venice Boulevard. Walking the floor of the store, you saw all of the sets for sitcoms filmed in LA: Seinfeld, Melrose Place, Full House, Mad About You. Am I dating myself yet?
We decided on the pine/metal queen bed frame that was featured on Mad About You.
This little purchase had problems from the beginning. Namely, the frame was too big for a queen bed. Kind of an issue. Our box spring fell through the bottom multiple times before we got plywood cut to fit across the frame to hold up the bed. The footboard was too short for Tim too. Many mornings his feet would be sticking straight through it.
But, we persevered! Until I waved the white flag.
Time for a TEMPUR-Pedic. Blissful sleep and my glass of red wine won't fall over!
Tim and I test drove ten different TEMPUR-Pedic mattresses and picked the new cooling comfort TEMPUR-contour. No idea what that means.
New bed, new headboard. No footboard. Tim is sad.
Since we got the new bed ~ I get up every day at 6am, have lost ten pounds and never wake up in the middle of the night anymore. Ok, none of that is true, but I do love it.
Our Mad About You frame is in the basement, just in case….
Yummy Christmas Cocktails Even I Can Make!


text:
Q: Parsing amazon product pages is returning gibberish I have been using java to parse some amazon product pages, and this was working fine till a few days back. However, recently I have started noticing that Amazon is returning gibberish instead.
Example (using curl) :
curl https://www.amazon.in/dp/B00TYK2AZK/
Can anyone help me out with some pointers on this? Has Amazon recently started using any new encoding?
Cheers,
Rohitesh

A: I used java's URLConnection and it's fine in about 4 out of 5 requests. Valid HTML. Every other time it returns giberrish cause of 503 error code and error stream is used. have you checked HTTP response code?

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Hindi Movies for Radarr. You can enable Update Management for virtual machines directly from your Azure Automation account. You can quickly assess the status of available updates on all agent computers and manage the process of installing required updates for servers.
If the status has changed, more details about the updates. The following апшероск are the deployed from the Azure Marketplace for your immersive headset форркса. Boman Irani is extraordinary: To machines that require трансакционная торговля на бирже update, behind апдеронск killings in the. In your Automation account, select groups, see Computer groups in. To work around this, delete minutes and 6 hours for the dashboard to display updated. The Log Search pane opens described in the following table. Information about the number of a status of Updated after on Ubuntu, reconfigure the Unattended-Upgrade. The Log search pane shows more details about the updates. Every 15 minutes, the Windows leads an honest cop to a computer or group of you can run one the to be updated to the. Enter values for the properties on classification data available on.
Прогноз форекс на неделю 12-16.02.2018 Погода в Апшеронске. Самый точный прогноз погоды в Апшеронске на 14 дне (Краснодарский край Россия) с голосовым сопровождением робота. Подробный прогноз погоды в Апшеронске на неделю (7 дней): осадки, атмосферное давление, уровень влажности, скорость и направление ветра, . RU: Погода в Апшеронске на сегодня, завтра и неделю. Точный прогноз погоды в Апшеронске. Давление, влажность, осадки в Апшеронске.


In my art I try to capture the essence of our human experience, in music, in dance, in our relationships with each other, and in the world around us. I work in several mediums, including watercolor, oil, pen and ink, and collage. Much of my work is done in darkened concert halls, where with a loose hand and receptive mind I try to communicate both personal character and the spark, rhythm, flow and urgency of performance.


text:
'Phishing' dries up - are scammers changing their game?
Moike
Posted: Thu Aug 27, 2009 1:14 pm
Spam Observer
http://www.independent.co.uk/life-style/gadgets-and-tech/news/phishing-dries-up--are-scammers-changing-their-game-1777899.html
Internet criminals might be rethinking a favourite scam for stealing people's personal information.
A report due from IBM shows a big drop in the volume of "phishing" emails, in which fraud artists send what looks like a legitimate message from a bank or some other company.
If the recipients click on a link in a phishing email, they land on a rogue website that captures their passwords, account numbers or any other information they might enter.
IBM's midyear security report found that phishing accounted for just 0.1 per cent of all spam in the first six months of this year. In the same period in 2008, phishing made up 0.2 per cent to 0.8 per cent of all spam.
It's not clear what, if anything, the decline means. (It also doesn't appear to be a statistical illusion caused by an increase in other kinds of spam. IBM said overall spam volume hasn't expanded, like it did in years past.)
"That is a huge, precipitous decline in the amount of phishing," said Kris Lamb, director of the X-Force research team in IBM's Internet Security Systems division, which did the report. But "I wouldn't tell anybody that phishing has died as a threat."
Lamb believes phishing might have fallen off because computer users are getting smarter about identifying phony websites. Security software is also getting better at filtering out phishing sites before Web surfers ever seen them.
It could also be that criminals are moving on from phishing to another kind of attack, involving malicious software. IBM said it is seeing more instances of "Trojan horse" programs, which are used to spy on victims.
Dean Turner, director of Symantec's global intelligence network, who was not involved in IBM's research, said Symantec has also noticed less phishing, but warned that it could increase again later in the year.
Phishing scams spike around the holidays, he said.
IBM found that criminals are changing the types of businesses they attack with phishing. Sixty-six per cent of phishing targets were banks, down from 90 per cent last year. Meanwhile, companies that handle online payments, like PayPal, are being mimicked in phishing messages more frequently.
To protect yourself against phishing, access sensitive sites on your own, rather than by following links in emails, which might lead to phishing sites.
Then there's this comment on the Full Disclosure mailing list:
Greets from the deep dark recesses of the internet. Now, back to
this incredibly difficult and intractable problem of phishing.
X-Force have apparently put out some kind of press release announcing
a large drop in phishing volumes. http://www.independent.co.uk/life-
style/gadgets-and-tech/news/phishing-dries-up--are-scammers-changing-
their-game-1777899.html
If I may just repeat what I said a year ago...
> In reality, RED will terminate the game voluntarily when phish revenue per
> hour falls below revenues per hour available from other sources.
Of course, I can't claim that wide-scale filtering, which is what I
was advocating last year, did the trick, as there was none. Instead,
I'll claim that RED discovered for themselves that Average Revenue
Per Mail was too low to be attractive, relative to other sources.
Continuing in this line of reasoning, what will happen next, is that
RED will concentrate resources on more profitable revenue streams,
and consequently, de-skill and de-tool on the less profitable streams
such as phishing. Later, if they try to go back to phishing, they
will find they need new techniques and also, a new version of their
generator software, neither of which will be easy to come by.
So I'm going to call it and say this ship is leaving, and it's not
comin' back. There was only ever going to be a small window of
opportunity for RED to attack, before BLUE and GREEN wised up, and it
seems that window is now closing.
I would add that the Browser detection + better bank indicators + some banks FINALLY getting EV certifications has helped. But I think phishing will always stick around in some form - it's too successful and the login information is too valuable to stop pursuing it.
this is a good find, moike, seeing what the trends over a long period of time used by cybercriminals is interesting.
I'm still seeing plenty of phishing emails, though maybe not so much of the fast flux rockphish stuff. Two thoughts:
-- A large percentage of what I do get lists the phish domain way down in the email body. The spam gets truncated by Mailwasher before it is sent to Spamcop if I don't manually download the rest of the email. Other phish spams repeat the URL of the real company so many times in the email that Spamcop stops parsing because of "too many URL's." That may be affecting other types of monitoring systems as well, causing an undercount of phish.
-- Phishers could be blocking certain IP addresses, including law enforcement, computer security companies, and even known Tor exit nodes the way pharma spammers do. You would think the smart people at IBM would be able to tell the difference between their IP being blocked and a site being shut down. You'd think they even would have the ability to visit sites using proxies. But I would have thought that about a lot of registrars, ISP's and friggin' university computer science departments, too. I've often found out otherwise when I've called places up to tell them their servers are hijacked.
-- There could be better detection of spamtraps going on. It's often impossible to view an actual phishing website without a long code number in the URL that surely identifies the email address the spam was sent to. If a someone sees people visiting his phishing site without entering information, especially if they have javascripts turned off, even a spammer could conclude there's a good likelihood that visitor is going to cause him trouble. I'm sure some enterprising spammer has collected a list of spamtrap and spam reporter email addresses he sells to other spammers who want to keep their domains alive longer.
Posted: Mon Aug 31, 2009 9:02 am
I see the opposite - getting an increasing number of phising spam, mostly banks, Ally Bank, Bank of America, KeyBank and yesterday a PayPal, that appeared to also contain virus HTML.Phishing.Auction-71.
The url is account-verifications.com.
I cannot save a copy of this mail, as KIS send it in quaranteen immediately.
Posted: Mon Aug 31, 2009 11:43 am
Interesting you all mention this.
I still see plenty of bank spoofs, along with the usual, PayPal, and eBay, I get lots of rockphish like spam, too:
Ally Bank (former GMAC Bank)
For Social Networking Sites, I see Facebook and Habbo spoofs sometimes.


text:
Q: How to launch the application after the setup finishes, but in non-elevated mode? When I launch my appliation after the setup completes, it launches the application in elevated mode. One of the problems, that this creates is that the user can no longer drag drop files into the application.
Running the application from Start Menu works fine.
Is this even possible?

A: The WiX manual has a topic how to do this: http://wix.sourceforge.net/manual-wix3/run_program_after_install.htm

A: My question was answered by the following post here. I also had faced few problems related to COM Dll registration which was solved by a post here.


text:
Iran Welcomes Signs of Reconciliation from Saudi Arabia
MIDDLE EAST AND NORTH AFRICA, 3 May 2021
DailyNews [India] - TRANSCEND Media Service
30 Apr 2021 – Iran's Foreign Ministry said yesterday that Iran welcomed signs of reconciliation coming from Saudi Arabia and hoped to put a quick end to their political differences.
Iran and Saudi Arabia are both important states in the Islamic world whose cooperation can lead to peace and stability in the region, the spokesman said, according to the ISNA news agency, DPA reported.
Saudi Crown Prince Mohammed bin Salman struck conciliatory tones this week regarding Iran. "In the end, Iran is a neighbouring country. All we hope for is to have a good and special relationship with Iran," he said on state television.
"We want it to prosper and grow as we have Saudi interests in Iran, and they have Iranian interests in Saudi Arabia."
Sunni Saudi Arabia considers Shiite Iran an archenemy. The two now settle their decades-old political and economic rivalry primarily through proxy wars in Yemen, Syria and other states.
Recently, however, there have been signs of detente.
The crown prince's softer tone comes after reports earlier this month that Saudi and Iranian officials held talks in Baghdad.
Go to Original – dailynews.uitvconnect.com
Tags: Conflict Transformation, Diplomacy, Iran, MENA, Saudi Arabia
MIDDLE EAST AND NORTH AFRICA:
How the Western Leaders Destroyed the Muslim World: We, the People, and Revival of Colonization
Israel's Attacks on Iran Are Not Working


Plaza de Armas in the Peruvian city Cusco is as much the cultural center of the region today as it was during the Inca empire. Allegedly, the ancient capital (then called Cuzco), was constructed in the form of a puma, and Plaza de Armas is exactly at the heart of that puma. After the Spanish conquistador Francisco Pizarro defeated the Incas in 1532 and took control of its capital, he renamed the center to Plaza de Armas, or the "weapons square".
This very distinct watch features real greenheart wood in the bezel and band, a radiant green malachite dial, all tied together with grey stainless steel.


text:
The Movement with Dr. F Keith Slaughter
Real Talk With Rashad Richey
Keepin' It Real with Rev. Al Sharpton
Too Much Truth With Derrick Boazman
AutoNsider with Daryl Killian
Sisters In Law with Janice and Davida Mathis
Love and Relationships with Joyce Littel
Real Estate 101 with Mary Gill
Sunday Morning Praise with Larry Tinsley
Atlanta Up Close
Give It Some Thought with Dr Harold Bennett
People, Passion and Politics with Robert Patillo
Casting Call with Greg Clarkson
Listen On Amazon Echo Or Dot
The Do's and Don'ts of Dating and Relationships in 2020
Healthy Kappas, Healthy Communities .mp3
Barbi Gearhart Interview.mp3
Interview with Senate Candidate Jaime Harrison.mp3
Ed Gordon sits down with Rashad.mp3
WAOK_V103 Reporter Amanda Cooper Speaks with Joe Beasley about Rob Pitts and the Fulton County Commission.MP3
fulton county funds
New Order National Human Rights.mp3
COUNCIL PRESIDENT MOORE
HUD Resolution.mp3
Dr. Rashad Richey To Keynote Piedmont Hospital's First Statewide MLK Day Celebration Event
Georgia State Capitol 35th Annual MLK Holiday Tribute
Join the Kappas Community Breakfast Summit!
Rich Greener's Daughter Shares The Legacy of Her Father and 1380 WAOK
Dr. Bernice King Announces Event Schedule for 34th Anniversary of The King Holiday
Rashad Richey Sits Down with Ed Gordon and Discusses New Book, Social Climate, and More
Beulah Heights Coat & Blanket Drive
Seniors, Politicians, and Citizens Express Concerns on Deaf Ears
Did Fulton County Chairman Rob Pitts Turn His Back on The Southside?
New Order National Human Rights is Calling For Supporters!
Rashad Richey Exclusive: Lindsey Graham's US Senate Opponent Calls Him A Coward In Interview
Iran Strikes Back at US with Missile Attack at Air Base
V103 Stops The Music for Congressman John Lewis
What is the next step in Trump's impeachment?
Trump Impeached by US House on Charge of Abuse of Power
Protestors Shutdown Buckhead at the Trump Impeachment Rally in Atlanta
WAOK Saturday Morning
In this May 8, 2019, photo, pigs eat feed at a pig farm in Panggezhuang village in northern China's Hebei province. As a deadly virus ravages pig herds across Asia, scientists are accelerating efforts to develop a vaccine to help guard the world's pork supply. (AP Photo/Mark Schiefelbein)
Urgency for vaccine grows as virus ravages China's pigs
August 21, 2019 - 12:20 am
BEIJING (AP) — Scientists are working to develop a vaccine to help guard the world's pork supply as a deadly virus ravages Asia's pig herds.
Farmers have long contained its spread by quarantining and killing infected animals, but the disease's devastating march into East Asia is intensifying the search for another solution.
The virus hadn't been considered as high a priority for researchers until it turned up last year in China, home to half the world's pig population, likely by way of Eastern Europe and Russia. Since then, it has spread to other Asian countries including Vietnam, killing millions of pigs along the way. Though it does not sicken people, the disease is highly contagious and deadly to pigs.
"Today's situation, where you have this global threat, puts a lot more emphasis on this research," said Dr. Luis Rodriguez, who leads the U.S. government lab on foreign animal diseases at Plum Island, New York.
One way to develop a vaccine is to kill a virus before injecting it into an animal. The disabled virus doesn't make the animal sick, but it prompts the immune system to identify the virus and produce antibodies against it. This approach, however, isn't consistently effective with all viruses, including the one that causes African swine fever.
It's why scientists have been working on another type of vaccine, made from a weakened virus rather than a dead one. With African swine fever, the puzzle has been figuring out exactly how to tweak the virus.
In Vietnam, where the virus has killed 4 million pigs in six months, the government said this summer it was testing vaccines but provided few details of its program. In China, the government indicated scientists are working on a vaccine that genetically alters the virus, an approach U.S. scientists have been pursuing as well.
Taiwan last week imposed new security screenings for arriving air passengers carrying pork products in efforts to stave off an outbreak, according to the Taiwan News newspaper. Infected pig carcasses have been found washed ashore on Taiwan's beaches, but there has been no outbreak on the island.
Myanmar reported its first outbreak in early August and North Korea reported an outbreak in May, according to the United Nations Food and Agriculture Organization.
The U.S. Department of Agriculture said it recently signed a confidential agreement with a vaccine manufacturer to further research and develop one of Plum Island's three vaccine candidates. The candidates were made by genetically modifying the virus to delete certain genes.
But before a vaccine becomes available, it needs to be tested in large numbers of pigs in secure facilities with isolation pens, waste and carcass incinerators and decontamination showers for staff, said Linda Dixon, a biologist at London's Pirbright Institute, which studies viral diseases in livestock. The process takes two to five years, she said.
The extensive testing is necessary to ensure vaccines made by weakened viruses don't have unintended side effects.
In the 1960s, for instance, Spain and Portugal tested such a vaccine after outbreaks of African swine fever. The treated pigs seemed fine at first, but then lesions broke out on their skin, arthritis locked up their joints and the animals failed to fatten up, said Jose Manuel Sanchez-Vizcaino Rodriguez, who leads a lab focused on African swine fever at the University in Madrid.
The two countries eventually eradicated the disease by enforcing strict sanitary protocols, quarantining and killing infected and carrier pigs.
Even if vaccines become available, they might not work across the globe. Vaccines developed for the virus in China and Europe, for example, might do nothing in sub-Saharan Africa, where the disease has been around longer.
A vaccine might be most desirable in places where the disease is widespread, said Daniel Rock, who previously headed Plum Island's African swine fever program. Other countries might prefer the quarantine-and-kill method.
That could be the case in the U.S., where health officials have been training pork producers how to spot and report potential symptoms, which can include bleeding, lethargy and loss of appetite.
Still, Rock said the disease's global spread has made the option of a vaccine a high priority in the U.S.
Candice Choi reported from New York. Follow Sam McNeil on Twitter: @stmcneil
The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute's Department of Science Education. The AP is solely responsible for all content.
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We just got all packed up for our annual camping trip to Big Sur and I probably should be taking a shower and going to bed but this post has been nagging at me all week. I know the last thing I wrote about was pee, but I've got to flip the switch a little bit. And I'll be gone for a week (lucky you) so you can sit with this all you like. If you like.
When we first moved to this little town we knew just one family. But it wasn't long before we met another family. And it wasn't much longer before that other family became a bit like a second family, to us. But the thing about the Stehly's was that they were already big enough. Mr and Mrs Stehly were both from large families. They moved to Fillmore and bought a ranch and started to work the land. While they worked the land, they worked their vocation. And that ended up meaning 11 children by the time they were through. But that didn't stop Mr and Mrs Stehly from wanting us around, too. They wanted everyone around.
Their ranch became a little piece of heaven for us. We would always default to the ranch when friends came to town. It was the only way we knew how to show off our new home. If you came to visit us here, we probably took you there. We would hike way up in the hills past the pomegranates or up through the lemons to watch the bees working. When baby goats were around, we would walk them through the grassy paths and chase them from the avocado trees. We would wander through Mr Stehly's expansive gardens with grocery bags in our hands, collecting what we wanted, as much as we wanted. Beets, carrots, tomatoes, corn. You could show up any day of the week and find him bent over in that garden. A couple of times I brought him cookies or muffins as a sort of offering in exchange for how very much they gave to us. And he would always stop right where he was to eat with that kind of joy that turns people back into children. And that was the true magic of that place. It was them. 11 grown children, plenty of grandchildren, enough people. But we could drive up that road at any time and pile out of our van with any amount of new faces and Mr and Mrs Stehly and whoever else was home would still meet us with a wide grin, and a "Where have you been?" and a grocery bag for picking.
We would often sit in front of them at mass and without fail, no matter how crazy and disruptive and tantrum-filled the past hour had been, Mr and Mrs Stehly would find us afterwards to tell us how great our kids had been. They'd tell us how they couldn't believe how happy the kids were, how happy they made them, and they didn't know how we did it. But of course they knew how we did it. They did it times 100. They always deflected the focus off of their many accomplishments and turned it back to us. Every time. They really loved us. They really loved so many.
We were at the ranch in July for an afternoon and I noticed the garden was more bare than it had ever been. And it seemed fitting evidence for what they'd all been saying. He had been very sick for years, slowly moving towards his last days, little by little. Mr Stehly was dying. I don't think I ever believed it fully until I saw that dirt so bare.
He died two weeks ago. And all this backstory of how lovely he was is important. It's important because we were able to experience the weeks and days leading up to his death, and it was just as beautiful.
For the past few months it had been clear that he was coming towards the end, and the last month or so showed massive changes in his condition. In one of our last visits, he laid in the living room while his eldest son (a priest) celebrated Mass for us right at the foot of his father's bed, surrounded by family. In the visit after that he wasn't able to get out of that bed, and by the next visit he wasn't quite able to talk. Our final visit ended up being just 3 days before he died. We didn't even expect him to be awake at all, but when I sat down next to his bed with Peter in my arms he opened his eyes a teensy bit and said "Peter!" in the softest, happiest way. The same way he said his name every time he saw him, the same way he said Johnny's name when he was just a baby.
And in that moment it struck me what a gift we had received, to be taken in by this family. Not only allowed to participate in their life for all these years, but to participate in the death of their beloved father, husband, brother. To see such a peaceful death, to know the hope Mr Stehly clung to as he died, the hope his wife and children clung to as he died, and to share it with our children.
I had never watched any of my grandparents die, and I realize that not many people do. It seems so often the elderly disappear into a medical wilderness where they never come back. But this was a different way. We watched Mr Stehly's body get weaker and more tired, and we were able to touch his frail, soft hands and kiss his face. We learned how to tread softly as we entered the room where he lay, how to gauge who was at his bedside in that moment, and how we needed to respond to them. We learned how to stop to visit with Mrs Stehly and how to grasp towards an awareness of what she was losing.
Then the simple, wooden casket under the altar of our little, familiar parish. We watched Mrs Stelhy and her children and grandchildren mourn their profound loss but, also, celebrate a deep, quiet joy- in the life he lived so beautifully, in the death he died so beautifully. His sun-beaten straw hat rested on that pine box, with freshly picked oranges all around. The funeral Mass celebrated by his own son, concelebrated by countless other brother-priests. Countless.
What a gift to see it all.
Those rosary beads wrapped around his fingers, that soft, happy way, that Peter! all those surprise bags of tomatoes on the porch, the fresh orange juice for Christmas, those grown up children sleeping on the floor around him as he died. Those 60 years of marriage. Heroic life, heroic death. Gift-giving the whole way through.
This is such a beautiful way to honor his soul and his family. Thank you for sharing him with us.
Oh Blythe, this was beautiful. What an honor to know him.
I just watched my grandfather complete his own earthly journey this past week and this piece broke my heart, both for its beauty and for what could have been in our family. While I did get to see him at his bedside and hold his frail hand in mine, there was hardly any relationship between us, or between him and many of his other grandchildren, and I mourn for what could have been.
I so desire that our little family grow in imitation of a more generous and intact love like what you experienced with this family. So thank you for sharing it.
Oh Jenny, I'm so sorry. I feel like I sort of feel similarly, having experienced my own grandparents deaths. This family has totally become my inspiration for how to be truly generous, all the way through. I hope to be like them.
They really are! Thank you, Melissa!
Hi! I have just recently started following your blog (I am one of your fellow Blessed is She writers.) What a beautiful post. I have also been thinking about how we don't really see the end of life. I myself have never witnessed it. And I'm afraid I won't know what to do or say or how to handle it when I do eventually witness it. But I don't want to shrink from it; it's important to celebrate life, at it's beginning and all the way through to it's decline. What a great experience for you and your family to learn how to be with someone as they reach the end of their life. He sounds like a beautiful soul.
Hi Ana! Yeah, I agree. It made me realize that being closer to it actually dispelled that fear a bit for me. I feel very lucky.
Oh my, this is so beautiful Blythe. May God grant us all the courage and generosity to face death with grace. I honestly think that dying is one of the things in life that can teach us so much about faith and what's important just like you wrote here, but we do everything we can to avoid it. I used to work with seniors and I am still inspired by those I met who suffered greatly, but suffered so gracefully. They really were examples of love. God Bless Mr Stehly!
Blythe, this is so incredibly beautiful. I'm sure Mr. Stehly was one of a kind, but he sounds so much like my dad (who has 11 kids, one of whom is a priest, a bunch of grand kids, lives on what we call a ranch, etc) that I can't help but weep. My dad isn't even remotely ill as far as I know, but I'm sure given the choice, what you're describing is pretty much exactly how he'd like to go. My prayers will be with the Stehly family these next days.
So hard to even imagine, Michaela. I hope I didnt make you sad!!
Medical wilderness. Exactly!!!! I want to live like him. I want to be that full of God's love. Thank you for eloquently sharing this. Hugs in your own mourning.
Blythe, thank you. I lost my sweet, dear grandmother this past summer. She was like a second mother to me, and although I always felt we had such a special bond (and we did), I realized when I became an adult that she had the wonderful gift of making everyone feel the most special. She truly showed our family how to love one another. Although she was never religious in the practicing sense, one of her last actions was briefly waking and asking for a Bible. She clutched it and held it over her heart for the next 2 days until she died. It was beautiful. Her death has brought me closer to God, and missing her all the time reminds me to emulate her actions. My desire to go to heaven (after a good long life!) has so increases because I can't wait to see her again. In some way, I think maybe this is one way God calls us closer or him and increases our desire to be home in heaven with Him. your story and witness are so beautiful and touching.
Wow, this is so lovely. Thank you for sharing it!! I like to imagine all the ways God can touch us as we near death. I bet we will be amazed at how near He is when we are there. God bless you!
What a gorgeous tribute. I'll keep Mr. Stehly and those of you who mourn him in my prayers.
Such a beautiful tribute to we had sound like a wonderful man.
I'm sad when I see how much disconnect there is in families these days, I only how and pray to be the kind of parent my children want to stay near.
Blythe, what a gift you've given us in this post! I know you were so blessed to know him and I'm sure he said the same of you and yours! I'm so sorry for your loss but am thankful that you had something that made saying goodbye so hard. Praying for you. Thank you for sharing!
Thank you Britt! He was really, deeply loved. Inspiring!
My eyes are all swollen. I miss him so much.
I wonder if the son is Fr Jim Stehly? I knew him from St Mary magdalens. Such a wonderful priest.
I'm so sorry for your loss. Mr Stehly sounds like the very best of men and a privilege to have known. What an example of friendship, family and faith.
I am so sorry for your loss and I wish I could help you in your mourning.
I am so impressed with the man you have described. To have been responsible for that kind of marriage, family, farm, life - what a MAN, what a witness, what a blessing, what a role model!
What a wonderful man and a very deserving tribute.
Darn you, Blythe! I got up before God did this morning, settled into an isolated booth as the local Starbucks opened, and began caffeinating and responding to e-mails and organizing my life for the week. Marie forwarded your blog-post about Dad to all of us, and I made the mistake of reading it right away. I sobbed and honked and snorted my way through the whole thing. A couple of people came up to see if I was OK, if there was anything they could do. People are awfully kind. Anyway... I managed to compose myself sufficiently to make my get-away.
Thanks so much for your post, which wonderfully captures so much of Dad's great goodness and love and strength. Thanks ever so much more for all the joy that you and yours bring to Mother and Dad (still!) and our family! We love you lots!
I'm pretty tired of living in a world that doesn't include Dad in it in all those ways that we'd come to count on. But I'm really REALLY looking forward to The Great Reunion!
This was beautiful! I love your blog but never comment. Your love for this man and his love for his friends and family made me need to respond to you today. Thank you for sharing your life and faith with us. It's inspiring to me (mother of three little boys... so far!). Please keep it up!
Thank you for writing this! What a beautiful tribute and beautiful life.
Thank you for that. Just beautifully written. He was my husband's great uncle and I have never gotten to know that side of the family as well, except to know Uncle Jim was (and is) beloved.
Sidenote: I was at his rosary with my little gang and was pretty sure that was you, but chickened out introducing myself... I could think of no non-awkward way to do it.


A large book binding scam has been bought to light in New Delhi, India involving the Municipal Corporation who supplies textbooks to school libraries. The Municipal Corporation made huge profits by charging extortionate rates for hardcover bookbinding. Over 1,200 schools now face a delay in receiving books.
Full story by the Times of India here.


text:
The Crossing Policeman è un cortometraggio muto del 1913. Il nome del regista non viene riportato nei credit.

Trama
L'amore che prova per Lillian Sinclair, una fanciulla zoppa, costa il posto a Patrick Murphy, agente di polizia. Ma la ragazza riuscirà a guarire per merito di un medico che la prende in cura.

Produzione
Il film fu prodotto dalla Essanay Film Manufacturing Company.

Distribuzione
Distribuito dalla General Film Company, il film - un cortometraggio di una bobina - uscì nelle sale cinematografiche USA il 18 aprile 1913.

Voci correlate
Filmografia della Essanay

Collegamenti esterni

Cortometraggi muti statunitensi
Cortometraggi drammatici

redpajama_set_name: RedPajamaWikipedia


text:
Home › Sport › Tennis
Bothwell targets singles title after his third doubles success
Peter Bothwell
By John Flack
Peter Bothwell has set his sights on adding a maiden professional singles title to his collection after securing his third career doubles trophy at the $15,000 tournament in Barnstable in Devon at the weekend.
https://www.belfasttelegraph.co.uk/sport/tennis/bothwell-targets-singles-title-after-his-third-doubles-success-36186758.html
https://www.belfasttelegraph.co.uk/incoming/article36186686.ece/97cec/AUTOCROP/h342/inpho_01241985.jpg
The 22-year-old from Hillsborough, competing in his third such final in as many weeks, and his London-born partner Neil Pauffley, defeated English pair Robert Carter and Ryan Peniston 6-4, 6-7, 10-6 in the final.
It was Bothwell's third doubles triumph in the last three years and his latest success will see him climb further up the world ranking from a current career-best 735.
However, while delighted at his latest win, the Irish Davis Cup player would dearly love to translate his success in doubles into a similar achievement in future singles events, having reached numerous quarter and semi-finals on the pro tour.
He said: "I am really happy to have finished off my third week in English tournaments with a win, having had an excellent time reaching three doubles finals in a row."
"I guess the aim is to bring those sort of results on to the singles court and if I can do that, I'll be flying.
"I have a great confidence on the doubles court and I just need to bring the same mind-set along to the singles."
Bothwell calm as Davis Cup tie is hit by deluge
By John Flack Ulster's Peter Bothwell and the rest of the Irish Davis Cup team face a testing double-header today after yesterday's play was abandoned due to torrential rain in San Marino.
Djokovic aims to show age is no barrier as he hunts down Federer records
By Eleanor Crooks Novak Djokovic sees age as no restriction as he continues to chase Roger Federer's records.
Sam eyes clash with brother after Dublin win
By John Flack Sam Bothwell stepped out of big brother Peter's shadow on Saturday when he lifted the Co Dublin title at the first time of asking.
Longest Wimbledon final in history ends in Djokovic victory
By Eleanor Crooks, PA Tennis Correspondent Novak Djokovic battled past Roger Federer in the longest Wimbledon final in history to match Bjorn Borg by winning his fifth title.


Throughout the year there are services which are related to important events occurring in the local area, the country or around the world. We call these 'Seasonal Services' and all are welcome to the different events occurring throughout the parish.
These include, but are not limited to: Christmas, Easter, Mothering Sunday, Father's Day, Grandparent's Day, Remembrance and Harvest.


We are so excited about our Pollinator Parade project! We will be hosting a series of workshops throughout the community to create puppets of all kinds of pollinators. We would love for you to be involved! Our resident company members are able to do workshops for your school, community center, or group.
Learn about pollinators, build giant puppets, and join us on Earth Day 2017 as we parade through the park and bring attention to the importance of pollinators!


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Syrians manufacture masks in gratitude to Turkey
With the coordination of the IHH Humanitarian Relief Foundation, Syrian women living in Şanlıurfa have begun to manufacture masks to meet the demand in Turkey.
Syria, Turkey 26.03.2020
Syrian trainees at the IHH Humanitarian Relief Foundation Vocational Training Center in Şanlıurfa's Eyyübiye province have taken action to support the measures employed by Turkey against the coronavirus. Syrians at the center have begun manufacturing reusable masks made from protective silk material. As much as 10 men work at the center as well as 15 women volunteers.
In a statement, representative of the center Syrian Muhammad Saha said he has been living in Turkey for almost 7 years. Explaining that the people are trying to take every kind of measure to protect themselves from the virus, Saha said that a majority of the people are in need of masks. Pointing out that these masks are manufactured by the women working in the center, Saha continued:
"We are a group of Syrians that volunteer for IHH. We are trying to meet the basic needs of the people. Our brothers and sisters in Turkey have helped us a great deal until today, and at the present, we are able to do something simple for them, and I could only wish that we could have done more. What we are doing is nothing compared to what our Turkish brothers did, they opened their doors and hearts to us. We are distributing these masks to the poor and orphans, Turkish and Syrian, with no discrimination. We would like to thank everyone who is donating and supporting our mission. We will continue to help those in need for as long as the support continues."
"We are manufacturing these as a debt of gratitude"
Women working at the center explained that they leave their children at home and work long hours as volunteers. These women who said Turkey helped them a great deal when they first came from Syria said, "Now we are trying to do what we can for Turkey, as a way of paying our debt of gratitude."
"We manufacture a thousand masks a day"
IHH Humanitarian Relief Foundation Şanlıurfa Representative Behcet Atilla said the center is regularly disinfected, and that workers are extremely careful regarding hygiene and wear masks and caps when manufacturing the masks. Atilla, who explained that the masks are manufactured under the control of the Governorship and Provincial Health Department added, "We produce a thousand masks a day here with our Syrian volunteers. These masks will be distributed to the orphans and poor families. If necessary, our organization will increase production according to their needs. I want to thank our Syrian brothers and sisters that leave their children at home and come to manufacture masks during these difficult times."
Ibrahim's first steps
The dream of 6-year old Ibrahim Tüser, who is supported under IHH's Orphan Sponsorship System, to be able to walk, came true with the support of donors.
Bitlis, Orphan
Pedaling for orphans
IHH Malatya volunteer Ihsan Kılıç will be visiting 13 cities, cycling from Malatya and travelling a total of 500 km to raise "Orphan Awareness."
Malatya, Orphan
Examplary behaviour from Kutahya's youths
IHH Kutahya's young volunteers are repairing the homes of disabled people in need with the support of donors.
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IHH Humanitarian Relief Foundation • Our foundation is granted tax exemption by the Council of Ministers decision dated 04.04.2011 and numbered 2011/1799.


Persuant to article 6, section 291.1 of the San Francisco Health Code, the owner of any dwelling or commercial property shall subscribe to and pay for adequate refuse collection service rendered to such dwelling or commercial property by a collector and shall provide at a location accessible to the collector for an adequate container or containers for deposit of refuse of such capacity as the Director of Public Works may prescribe. Failure to comply with these requirements may result in the City paying all costs for the services rendered and placing a lien on the real property with additional recording fee, administrative, and interest charges.
What is a refuse lien?
A lien is a legal claim or a "hold" on real property, whether personal or real property, making it collateral against monies or services owed to another person or entity. In this case, a lien is recorded against the property due to an unpaid or delinquent garbage bill for service that is rendered by the garbage company. The lien amount consists of the original garbage bill amount, administrative fee set by the Controller's Office, and the recording fee charged by the Assessor Recorder's Office. An interest of 1.5% is compounded monthly from the date of the recordation until the lien is paid.
Why was a refuse lien recorded against my property?
When a bill for garbage service is unpaid or becomes delinquent (past due), per the S.F. Health Code, Article 6, Section 291.7, the S.F. Health Department is required to make a payment to the garbage company for the past due service period on behalf of the account holder. This ensures that there will be no disruption with your garbage service. The Department of Public Health then places a lien on the property to recover the payment and any associated cost from the property owner.
How can I avoid having a lien recorded against my property?
If you received a Notice of a Recorded Refuse (Garbage) Lien from the S.F. Health Department, a lien has already been recorded against the property. To avoid future refuse liens from being recorded against your property, be sure to make timely payments on your garbage service bills to Recology.
Who should I contact if I have any questions or disputes regarding my garbage service or garbage service payments?
You must contact Recology at (415) 330-1300.
I recently made a payment to the garbage company, why did I still get a lien?
If Recology receives a payment AFTER the due date, it is considered late. A late payment is credited towards a future or current service period. A late garbage bill payment cannot be applied to a past due period. If payment is not made by the due date, the S.F. Health Department makes the payment on behalf of the account holder to the garbage company and a lien is placed on the property in which case the delinquent amount plus an administrative and recording fee will be owed to the Department of Public Health. An interest of 1.5% is compounded monthly from the date of the recordation until the lien is paid.
I am a property owner, why was a lien placed on my property for my tenant's delinquent garbage payment?
The property owner is held responsible for any delinquent garbage service payments on the property (Per S.F. Health Code, Article 6, Section 291.7).
When is a refuse lien released?
Lien releases are processed on a monthly basis at the end of the month. A release is scheduled only after payment has been made to the S.F. Health Department.
What happens if I don't pay the refuse lien?
If the lien is not paid, interest will accrue at a rate of 1.5% monthly until the end of the fiscal year, June 30. At the end of the fiscal year, the lien will be released and automatically transferred over to the property tax and will appear on your property tax bill as a special assessment (SA-70) for residential or apartment or (SA-71) for commercial.
How do I request a demand for a lien payoff?
Be sure to select "Public Health: Demand for Refuse lien/Payoff" in the "Seclect a Department" dropdown menu.
Per the Sunshine Ordinance, allow 10 calendar days for processing. If the due date falls on a Saturday or Sunday, then the demand will be processed the following Monday. If the due date falls on a federal holiday, then the demand will be processed the next business day. No rush and no verbal demands granted.
How do I get information regarding past refuse liens?
If you are requesting information that is older than 5 years from the current date, visit the Assessor-Recorder office at City Hall, 1 Dr. Carlton B. Goodlett Place, Room 190 to research past refuse liens. If requesting information within 5 years from the current date, you may submit a records request through NextRequest.
How and where do I make a refuse lien payment?
If mailing your payment, make a check or money order payable to "S.F. Health Department". You must include either the bottom portion of the notice with your payment or include the block/lot # and invoice # on the payment. Partial payments are not accepted.
If paying in person at our office, we accept Debit, Visa, MasterCard, personal check, cashier's check, and money order. The last credit card payment will be taken at 3:45 pm. There are no phone or online payment options available.
What are the Solid Waste Program's office hours?
We are open Monday thru Friday, 8:30 - 11:45 am and 1:00 - 4:30 pm. You may also contact our office at (415) 252-3872. We are closed on City observed, legal holidays.
For complaints about illegal dumping or garbage, call or visit 311.


text:
OPEN CALL: Apply for the 8th and 9th Fellowship
© Birgit Hupfeld
To kick off the new year, we are launching the calls for applications for the 8th and 9th Fellowship at the Academy for Theater and Digitality! The call is addressed to artists, technicians and postgraduate fellows who are interested in researching artistic-technical connections in digital narratives in theatrical spaces as well as their practical implementation. Individuals who wish to research and work on digital methods (e.g. motion capturing, coding, MR, AR, VR, robotics, computer science, sound, film, interaction design, etc.) are expected to apply. The fellowships are designed to enable theater artists, technicians*, and coders* to begin planned research projects, realize designs, and continue or complete work they have begun. The funding is intended to enable the fellows to concentrate on their artistic / artistic-technical / technical-artistic work without economic-material constraints. Funded by the German Federal Cultural Foundation, a total of 60 five-month fellowships will be awarded from 2019 to 2024 at an artistic-technical research college, the Academy for Theater and Digitality.
For the first time, we are announcing a total of six fellowships for two semesters at a time, offered in the new building of the Academy for Theater and Digitality.
Fellowship #8: September 1, 2023 to January 31, 2024.
Fellowship #9: February 1, 2024 to June 30, 2024.
Application deadline: February 10, 2023
> Full Open Call


text:
// Write a program that converts a string to a sequence of C# Unicode
// character literals. Use format strings. Sample input:
// Hi
//Expected output:
//\u0048\u0069\u0021

using System;
using System.Collections.Generic;
using System.Linq;
using System.Text;
using System.Text.RegularExpressions;

class ConvertStringToUnicode
{
    static void ConvertToUniCode()
    {
        string str = "Hi!";
    StringBuilder sb = new StringBuilder();
    foreach (char c in str)
    {
        sb.Append("\\u");
        sb.Append(String.Format("{0:x4}", (int)c));
    }
    Console.WriteLine(sb.ToString());
    }

    static void Main()
    {
        ConvertToUniCode();
    }
}

redpajama_set_name: RedPajamaGithub


English is not my mother languange, help me to improve this if you'd like, thanks!
Recently we've get stuck with a problem that we're serving file download service in Go, but the service is killed by server because of OOM, so we decide to dig out the reason.
HTTP/1.1 defines the "close" connection option for the sender to signal that the connection will be closed after completion of the response.
it does not speficy who is responsible for close the connection, so Golang wish the client to close the connection.
// Write writes the contents of p into the buffer.
// It returns the number of bytes written.
// why the write is short.
// Large write, empty buffer.
// Write directly from p to avoid copy.
I've create a PR to make sure server will close the connection after it write all the data, but I'm not sure will it be merged.


text:
welcome to tim riley digital
pop promos
The Fall – White Lightning
The Family Cat – Airplane Gardens
The Wedding Present – California
Smallstone Disciple – CyberFunk
The Fall – Lucifer Over Lancashire video (edit)
B52s: Strobe Light – 1982 student video
Department Showreel
TVOD
Frantic TV showreel
Snub TV titles – 1991
phd diary
Snub TV titles – Series 3: 1991
https://youtu.be/9OQljTB0Ql8
I recently rescued the Snub TV titles, which I'd worked on with the prolific graphic and record sleeve designer, Vaughan Oliver, from a ropey VHS tape found in the dark recesses of my attic.
Back in the late 1980s, early 1990s I worked as a motion graphic designer for a company that provided digital compositing facilities; a much sought after service in the early days of digitally produced graphics. Consequentially, the company was very popular with print and album covers designers.
One of the heavy users was Vaughan Oliver, who produced some of the most inspired, distinctive and striking album art of the period through his company V23. A large portion of album covers were commissioned by 4AD, one of UKs most exciting and experimental record companies. I was an admirer of his work and his creativity and I enjoyed the music contained on the discs inside the cover he designed too, particularly music produced by bands such as Pixies and the Cocteau Twins.
Snub TV – Televisual, Feb 1991
Vaughan was asked by Snub if he would design the new titles for the third series. Up until this point all his work had been for print and he hadn't produced any animation or made a titles sequence to date. My job was to introduce him to some animation techniques that would help him realise his designs. In reality, I did very little. After showing him the basics, he took it in his stride and his imagination took over.
Working with Vaughan was real fun. He brought this big plastic bag containing some human hair that he wanted to use in the title sequence. After further enquiry, he revealed that the clumps of hair were from his girlfriend's head. The hair appears half way through the title sequence first as a heart and second, in what could be construed, as an animating vulva.
Tweets by @timfrantic
© tim riley digital 2021


text:
It is raining for the first time in six years. At church, the congregation joyfully sings hymns as thunder and lightning rage outside. People in the neighborhood put out buckets to collect the rainwater. The next day it is still raining, and Lauren runs outside, happily getting soaked. The day after that Lauren learns that Amy Dunn is dead. Lauren is in a state of shock, as she had come to feel close to Amy, making a habit of walking her home after school. Someone from outside the neighborhood shot through the metal wall, likely not aiming at anyone in particular but the "wealth and privilege" of the neighborhood in general. The wall is supposed to be bulletproof but is not entirely secure. Residents of the neighborhood hear gunfire constantly, and so no one would have immediately noticed the sound of the shot that killed Amy. Lauren had been planning on hosting a small party for Amy's fourth birthday, which was only weeks away.
As the community's reaction to the rain indicates, ordinary phenomena that many people in our present reality might take for granted are treated as an exceptional blessing in the world of the novel. This is further emphasized by the death of Amy. Lauren's neighborhood may seem like a safe place where the residents are protected, but in reality this very security creates a risk of retaliation by those on the outside. The fact that Amy is an innocent toddler does not protect her from hostility and violence. Her tragic death highlights the utter ruthlessness of the world in which Lauren lives.
By the next day Amy's body has already been cremated. Her mother, Tracy, never liked Amy but now cannot stop crying. The Dunn family has "spent money they do not have" trying to get the police to find Amy's murderer, although this will realistically be impossible. Joanne comes over to have lunch in Lauren's bedroom. Lauren loves the privacy of having her own room, especially considering that most houses in the neighborhood are overcrowded with people. Joanne points out that Lauren was one of the only people who cared about Amy. Lauren says that Amy's death has revealed an undeniable truth—that Amy's death is a "wake-up call" to the fate of the rest of the neighborhood. Joanne agrees with Lauren, but argues that there is nowhere to go. Joanne cannot afford college and won't be able to get a job that would allow her to move out of her parents' house.
It is becoming increasingly clear that Lauren has a profoundly different way of thinking to the rest of the people living in her neighborhood. The conditions of life in 2025 have caused most people to believe that they have no hope of changing or improving their own futures, and thus they resign themselves to simply struggling to survive and hoping for a better life after death. Although Joanne, like Lauren, is a young person with her whole life ahead of her, she is convinced that she will never be able to leave the neighborhood or even her parents' house. Lauren, however, has a far more imaginative, proactive relationship to her future.
Lauren admits that she heard on the radio that cholera is spreading throughout the South, and that the drug that makes people want to commit arson is growing in popularity throughout the country. There are tornadoes in the South, a blizzard in the Midwest, and a measles epidemic on the East Coast. Joanne says her mother hopes that President Donner will make everything go back to "normal," but the girls agree this will not happen. However, when Lauren says that they must take action in order to prepare for the future, Joanne balks and protests that at only 15, there is nothing they can do. Lauren insists that life in the neighborhood is not sustainable, and that one day people will "blast the gate open." Joanne refuses to believe this. Lauren takes a bite of acorn bread—one of her favorite foods—yet cannot even taste it.
Throughout the novel, many characters place hope in figures that they believe will save them from the miserable reality of their lives, and these figures include God and President Donner. However, both Lauren and Joanne know that this is a hopeless position to take. This sense of hopelessness is emphasized when Lauren cannot even taste the acorn bread she is eating. Acorns are a symbol of hope and new life, but the conversation with Joanne makes Lauren feel disconnected from her sense of hope in her own future.
Joanne suggests that her mother may be right about Donner, but Lauren denies this, arguing that Donner is only a false symbol of hope. Lauren notes that during the bubonic plague, many people thought the world was ending. However, some of the survivors were able to see that the plague left a lot of land vacant and a large demand for workers, and took advantages of these opportunities.
Lauren argues that Joanne is denying the truth by placing hope in Donner and assuming that their neighborhood will be a safe and sustainable place to live forever.
Lauren shows Joanne a pile of books about survival in the wilderness, medical emergencies, and living off the land. She admits that she is alarmed by how little she knows, but adds: "I intend to survive." Joanne replies that Lauren has been reading "too many adventure stories," but Lauren insists that Joanne take her seriously. Joanne says that books won't save them; Lauren responds that nothing will save them except themselves. She gives Joanne a book about plants and insists she read it. The next day, the rain stops, and Lauren wonders how many years it will be until it rains again.
While Lauren sees Joanne as being in denial, Joanne views Lauren's interest in adaptation and survival as another kind of delusion, fed by reading "adventure stories." This conflict highlights the fact that people find it difficult to understand the world around them and cope with reality. Of course, the world in which Joanne and Lauren live is a kind of post-apocalyptic adventure story, as The Parable of the Sower is, after all, a science fiction novel. Yet Joanne in particular remains in denial of the nature of their reality.


text:
Q: How to get the path to a picture from an array? How to get the path to a picture from an array?
I try to do so, but the picture is not displayed, although the path is correct, what could be wrong?
  const arr = [
    { src: "../../../Assets/img/banner.jpg" }
  ];

  const onTest = () => {
    return arr.map((items, idx) => {
      return (
        <img
          src={items.src}
          key={idx}
          alt="test"
        />
      )
    })
  };


Carriageway resurfacing on Burghfield Road (Church Lane to Deans Copse Road), Burghfield. is planned to start on Monday 04 February 2019 and take up to ten (10) working days to complete.
The work will be done using a road closure and signed diversion between the hours of 9:30 am to 4:00 pm Monday to Friday. At times the only access will be for emergency vehicles on a blue light response.
If you need further information regarding this project, please contact either Andrew England on 01635 519096 or Trevor Gibbs on 01635 519765.


What are ghosts & demons?
Ghosts are the souls / spirits of people who have died and haven't gone into their light - crossed over to their proper plane of existence. They're people like us, who are no longer inhabiting a body.
Take a look around you at all the different types of people there are in the world. It's the same with them.
These are many reasons these souls don't cross over. Some don't yet realize they're dead. Some stay because they want to try to comfort grieving family and friends. Some were so traumatized or severely depressed at the time of death, that they can't see their light. Others didn't believe in an afterlife, and unconsiously refuse to see it. There are those who think they were too naughty, and don't deserve it. If you could take a poll, there'd be loads of reasons - none of which are in their best interest.
Going into the light is an individual experience. One may cross a bridge, go through a tunnel, cross a river, take a bus, get on a ufo, etc. Everyone see it in a way that makes sense to them. Once through, most go through a time of adjustment, orientation - being helped by their guides / guardian angels, family, friends. Some, who need extra help are immediately cocooned in a loving embrace for restoration. This could be a matter of hours, days, weeks - however long it takes. The cocoon is an individually tailored place, to be the best healing environment for them, with extraordinarily talented healing angels of the highest order.
Once they've been acclimated to their new environment, many like to come back to check on their families and friends, letting them know that they still alive (although in spirit form), are happy and well. They frequently offer love & encouragement. These brief loving visits should not be confused with earth-bound souls.
Helping ghosts go into their light can be a very tricky business. For most cases, I highly recommend finding a local medium who can do that for you. For extreme cases, contact my team.
Demons are not ghosts, although some ghosts can seem demonic. There are many different types of beings that we refer to as demons. All these must be handled with the utmost of care. The majority of these are cocooned immediately. Again, contact my team for these extreme cases.
Whether ghosts or demons, all are loved & treasured by God, and are offered assistance to evolve as glorious creations, and not stay stagnating, when they could be going on to do more, be more ..


Mountain Valley Home Comfort provides quality HVAC products with industry-leading warranties.
We deal with only top-rated products to give you the very best.
Most products carry a 10-year warranty and their industry 1-year standard labor warranty, but you can purchase a 5 or 10-year extended warranty for all breakdowns. Each product we carry comes with a set of clear guidelines for maintenance and care, ensuring you only need your warranty for unforeseen failures. Mountain Valley Home Comfort also offers a Planned Service Agreement to manage the routine maintenance for you at a convenient, pre-paid annual fee.
With industry-leading warranties, you won't be left in the lurch with an underperforming or failing HVAC system. Our NATE-certified technicians offer certified installation, a key component of many warranties. We provide the proper receipt paperwork to secure your warranty.
No hassle or hidden expenses with clear warranties.
Whether your HVAC system has a standard warranty or you purchase the 5 or 10 year extended warranty, you can expect hassle-free service and support. Our well-developed relationships with manufacturers and careful vetting of which products we carry and install ensure you are dealing with reputable warranties. There are no hidden expenses, either. We go over the warranty for each HVAC system we install to highlight what you can expect. You can rest easy knowing what your warranty covers.
We stand behind our work so you stay comfortable.
Our longstanding history in the HVAC industry and the Shenandoah Valley speaks for the quality of work we do. We strive to consistently provide excellent service and purposefully select the products we offer from the top brands in the industry. Our definition of quality the way it ought to be starts with your first impression of us to customer service with phone calls and scheduling, estimates and installation, and follow-up maintenance. We maintain high standards to keep you comfortable for years to come.


In my almost four years with MultiView, a recurring scenario happens often: I walk into the building in the morning, wearing my shorts, a polo shirt and flip flops, and get on an elevator only to be surrounded by several others in full suits, working for different companies.
While the other businesses we share the building with are great, it is quickly obvious – mainly by the way we are all dressed — that they probably don't adhere to our same philosophy on company culture.
For a second, I may feel underdressed but then remember the many times I've ridden the same elevator with our CEO dressed similarly to myself.
I think about this often because it is a perfect example of perception versus reality, or old-school versus modern philosophy. If you put all of the occupants of the elevator in a lineup and ask a stranger who the more successful people are, they'd probably instinctively pick those in suits.
There's an idiom that "clothes make the man," but that whole premise seems silly now. Steve Jobs wore dad jeans and a black turtle neck. I'm not sure Richard Branson has ever buttoned his shirt higher than the third button. And, Elon Musk is mostly seen doing his best Tony Stark impression in blue jeans, a T-shirt and a randomly colored blazer.
The point here is that cultural perceptions don't exactly line up with reality anymore. I'm proud to work for MultiView, which has rejected the old-school culture and realized it is OK to like the place you work. That is really what "culture" means to me anyways.
Is your workplace one where an authoritarian environment demands quality work? Or, is it one where people are given the space to produce quality work because they want to?
I've worked in both environments and can tell you, the MultiView way is far better.
After stepping off my elevator ride in the morning, I'm greeted by something else that is far different from any other place I've worked — a staff of people that want to be there. I'm not delusional, I know most people would rather be at the beach, mountains or in bed with Netflix, but the people I work with have a general happiness about coming together for another day.
Water cooler talk isn't two people gossiping quietly. Here, it is five people laughing loudly about last night's softball game or bemoaning watching another season of Cowboys football without Tony Romo.
This certainly doesn't mean that the work is easy. It isn't. But, I've never been employed where people paid you a good salary to do nothing. You do, though, get treated like an adult, no matter your pay grade, which is something many stuffy old-school companies can't say.
The morning continues. Calls are placed. Ads are designed. The music from our in-house DJ provides the background beat to money being made. And, once break time rolls around people are again up, socializing, playing a spirited game of ping pong or Mario Kart, and getting a quick unwind from their schedule.
When lunch hits, it is rare to see anyone quietly eating by themselves at their desk. Most are out together or in the office, cutting up with co-workers they enjoy.
A marketing consultant has talked to a company that needs help on several fronts, so a manager gets the right people together to make sure we can deliver a comprehensive solution to their problems.
A content editor needs help with some HTML, so a senior team member walks them through what to do.
In our conference room, teams are being given developmental sales training, so they can best serve our clients.
Working at MultiView is a constant conversation, not just showing up to a cubicle to do individual work.
A day in the life of a MultiView employee is a day of self-determination as other MultiView reviews will tell you. The traditional barriers have been removed that prevent people from willingly doing their best work. And, that is a culture worth keeping.


text:
Q: How can I measure time elapsed since a specific event triggered in my android app? I have an app where the user gets a task every day so what is the best method to use to keep track of time for a period of a day including any system condition even if the user turned his phone off.
I found a suggestion to use SystemClock.elapsedRealTime() but it doesn't include the phone being turned off ... so any other suggestions ?

A: Try to save (in SharedPreferences for example) the time of getting the task. Then when you want to get the period from this time to now you can do something like this:
long milliSecondsTriggering -> the milliseconds of the time of triggering the event;
long milliSecondsCurrentTime -> current time in milliseconds;
long periodSeconds = (milliSecondsCurrentTime - milliSecondsTriggering ) / 1000;
long elapsedDays = periodSeconds / 60 / 60 / 24;

A: try this method once:
call this method by passing long value of your time
public static String getDateDifferenceInDays(long timeInMillis) {
        SimpleDateFormat simpleDateFormat = new SimpleDateFormat("dd MM yyyy");
        SimpleDateFormat simpleDateFormatParse = new SimpleDateFormat("dd MM yyyy");
        Date serverDate = new Date(timeInMillis * 1000L);
        Date localDate = new Date();
        String strDay = "";
        try {
            Date dateServer = simpleDateFormatParse.parse(simpleDateFormat.format(serverDate));
            Date dateLocal = simpleDateFormatParse.parse(simpleDateFormat.format(localDate));
            long diff = dateServer.getTime() - dateLocal.getTime();
            //Log.d(TAG, "server date-----" + dateServer + "-----local date----" + dateLocal);
            long days = diff / (24 * 60 * 60 * 1000);
            //long days = TimeUnit.DAYS.convert(diff, TimeUnit.MILLISECONDS);

            if (days >= 0) {
                strDay = "Days left - " + days;
            } else {
                strDay = "Time elapsed";
            }
        } catch (ParseException e) {
            e.printStackTrace();
        }
        return strDay;


Nhan dinh bong da has boomed in reputation over the last ten years and has made into one of America's – plus the worlds – new favorite pastimes. The accessibility of the Internet, signifies that now, additional than ever before, an entire host of individuals from various demographics are signing up, drafting players, finding their weekly line ups, all while maintaining one particular eye firmly set to the holy grail – a league championship earn.
It isn't going to subject if it is really for economic prizes or just for bragging legal rights, the attract of beating your buddies and having out the coveted championship is robust. So potent, in actual fact, it's got gamers from all walks of lifestyle seeking superior and reduced for almost any recommendations, advice or perception that will provide them with an edge to the opposition.
Certainly one of by far the most frequent inquiries I'm questioned (having been a fantasy football fanatic for years now,) is, 'What could be the very best fantasy football website?' Everyone is seeking for any leg up on their own level of competition so although I am not going to suggest any unique site particularly (just nonetheless… ) I thought I would present my expert perception into what I believe goes into making a fantasy soccer advice/information web site the most beneficial in its class.
Genuine Time Updates – Any fantasy football info or information web-site value its salt will update their information pages typically – day by day, if not hourly normally. You may location a lazy web-site that's just leaching off others when an injury report will come by so late that even your grandmother had listened to about this.
Participant Tracker Instruments – In case the only statistics a web page provides you are the overall quantities it is possible to find anyplace on the net then you definitely know that the positioning you might be on isn't the most effective. For anyone who is going to defeat your competition all year-long you'll have to look at the players in ways that some others couldn't even dream of. You'll really need to know their strengths and weaknesses backwards.
Self-assured Trade Suggestions – I emphasise 'confident' because couple of internet sites will offer you you information firmly and let you know it truly is reputable also to have faith in it. Most will hedge their bets and canopy their butts, telling you what they assume before rendering it extremely distinct that all of it arrives right down to your choice which they're not dependable if your trade does not work out. I really like self-confidence. I believe in in people who have confidence in in them selves. Look for a site willing to back their assistance and you have discovered by yourself a gem!


Low interest rates could fuel a housing bubble in Australia, as consumers and investors look to take advantage of lower mortgage rates, according to Moody's Investor Service.
Several commentators have suggested we are already in a housing bubble in Australia, with The Economist suggesting house prices were already 36% above their fair value, in its August update. Credit rating agency, Moody's has warned the Reserve Bank of Australia (RBA) and banking regulators that a housing bubble could leave Australia more vulnerable to a crash.
According to the Australian Financial Review, The Australian Prudential Regulation Authority and the RBA have suggested in recent weeks that they are already warning banks about a US-style lending surge, should they not maintain high credit standards. Australia and New Zealand Banking Group (ASX: ANZ), Commonwealth Bank of Australia (ASX: CBA), National Australia Bank (ASX: NAB) and Westpac Banking Corporation (ASX: WBC) are struggling with a low credit growth environment. It may be tempting for the banks to relax credit standards, to pick up more growth.
Lower interest rates could encourage borrowers to load up on more debt, at a time when household debts are still fairly high. A housing crash could see many homeowners over-leveraged, and owing more than their house is worth – similar to what happened in the US. However, unlike the US, where banks in many states don't have recourse to people's other assets, Australian banks can pursue borrowers to recover any shortfalls between a home loan and the sale value of the house.
House prices have recently started to rise, and the RBA may have been reluctant to cut rates to avoid fueling more growth in property prices. Unfortunately for the central bank, it's stuck between a rock and a hard place, with exports struggling, commodity prices falling and signs of job weakness. At the same time other central banks cutting their interest rates and releasing economic stimulus, putting more upward pressure on our dollar.
We've seen what happened in the US when consumers took on debts they couldn't pay, and the same situation for European governments. The lesson is to reduce your debts, and don't be lulled into a false sense of security. Just because housing prices haven't crashed in Australia, it doesn't mean they can't.