text:
Saracens - Europe is a different challenge - George
Europe is a different challenge - George
Jamie George says the returning internationals needed to perform against Wasps last weekend due to the standard of displays the squad had put in while they were away with their countries.
Seven out of nine who featured in the final weekend of the autumn internationals were in the squad for Dai Young's side, with England hooker George crossing for an important second-half try.
Coming back from injury, Nick Isiekwe also dotted down following eight weeks on the sideline and he showed great awareness and determination to intercept an Elliot Daly pass to go over.
"The way the younger, inexperienced guys stepped up to the plate was inspiring for us," George said.
"It almost put pressure on us coming back in because we needed to match what they've been doing over the past few weeks as they've been brilliant, so it was nice to keep the form going."
On Isiekwe, he added: "If players could vote that would be try of the season!
"We speak about the extra five per cent and the way Nick chased after eight weeks off, I couldn't be happier for him to get over the line."
Sarries head into Heineken Champions Cup action on Sunday as Cardiff Blues visit Allianz Park (KO 13H00).
The Welsh outfit recorded an impressive win over Lyon on the road in Round 1 before suffering defeat to Glasgow Warriors, and George insists Saracens are in a 'good place' going into the contest.
"Europe is obviously a different challenge in itself," he said.
"Cardiff are a good team; we've got a few guys coming back and a lot of guys challenging so that means the squad is in a good place."
George and co take on Cardiff Blues at Allianz Park on Sunday in the Heineken Champions Cup. Watch them in action for the final time at home before Christmas Day! Click here for more information.


text:
Geochemistry and petrogenesis of basalts from Deep Sea Drilling Project Leg 92, Eastern Pacific
Pearce, Julian A., Rodgers, N., Tindle, A. J. and Watson, J. S. 1986. Geochemistry and petrogenesis of basalts from Deep Sea Drilling Project Leg 92, Eastern Pacific. Initial Reports of the Deep Sea Drilling Project 92 , pp. 435-457. 10.2973/dsdp.proc.92.126.1986
Official URL: http://dx.doi.org/10.2973/dsdp.proc.92.126.1986
Basalts recovered on DSDP Leg 92 include all the major basalt types so far recovered from the ocean crust of the eastern Pacific. Basalts from Holes 597, 597A, 597B, 597C, and 599B are tholeiites exhibiting all the mineralogical and geochemical characteristics of N-type mid-ocean ridge basalts (MORB). Fragments of ferrobasalts and alkali basalts were also obtained, however, from Holes 60IB and 602B, respectively. Hole 597C, which penetrated 91 m into basement and is the deepest hole so far drilled in fast-spreading crust, yielded basalts that can be divided into three major lithologic units. The lowest unit, Unit III, contains modal olivine and comprises basalts which, at about 8 to 10% MgO, are as basic as any sampled from fast-spreading crust. The middle unit, Unit II, is the most evolved; its basalts are olivine free and contain between 6 and 7.5% MgO. The upper unit, Unit I, is intermediate in composition between Units II and III; it is characterized by both modal olivine and glomerocrysts made up of plagioclase and rare olivine. Unit I is probably a massive flow, whereas Units II and III may be massive flows or sills. The basalts appear to have undergone three stages of lteration "deuteric," "relatively reducing," and "oxidizing"), the intensity of alteration decreasing markedly downcore. Hole 597B, at 26.4 m of basement penetration the only other "deep" hole, contains just one lithologic unit, which closely resembles Unit I of Hole 597C. Petrogenetic modeling reveals that the three lithologic units in Hole 597C are cogenetic and that they were derived from a depleted mantle source similar to the source of the tholeiites and ferrobasalts sampled in other holes; the alkali basalts are the only rocks derived from enriched mantle. Lavas of Unit III probably lay on the olivine-plagioclase cotectic, whereas the other lavas lay on an olivine-plagioclase-clinopyroxene peritectic. Some 60% of closed-system crystallization is needed to generate the most-evolved from the last-fractionated tholeiite, and a further 50% crystallization(80% overall) is needed to generate the ferrobasalts. Xenocrysts of calcic plagioclase and pseudomorphosed olivine in tholeiites from Hole 597B and Unit I of Hole 597C, and in the ferrobasalts from Hole 601B, provide evidence, however,that some magma mixing may have taken place.
Earth and Ocean Sciences
Q Science > QE Geology
http://orca-mwe.cf.ac.uk/id/eprint/8593

redpajama_set_name: RedPajamaCommonCrawl


Crowdfunding is the practise of raising money for a project or resource by the power of the internet and social media. Charities and higher education institutions are using this method increasingly in order to secure funds for their charitable work, and at the University of Salford, we are no exception! If you would like further info, please see our helpful animation below.
We cover the costs of the platform, and the University is able to cover transaction fees up until July 2018. This means that the great news is that 100% of the money raised by each project goes directly to the project's success.


Hey Joey, I love that Zoso change, where can I learn it?
Hry man, thanks for the interest.
DROP certainly is a very cool thing to behold. When I first happened upon the idea and practiced it in front of a mirror I nearlky dropped the cards I was so freaked, haha.
Deets are under wraps right now, but i CAN say, it's very simple (we're talking fundamental sleights), It's entirely practical for real world use, no gimmicks, the card can be face up and signed (no dupes of any kind) and it's my all time favourite finale to the ambitious card!
I'll kee pyou posted on it, it'll probs be released through MindLapse.


Women Specific Camps this summer?
Any camps specific for girls this summer? Tournaments? Any information on Girls Freestyle State?
Districts are out tomorrow, Any last second predictions?
Is it written somewhere how they decide on what classes get filled first?, for example with this prediction it would have 61 in each class except class 4, does it go from the bottom up always? Or is this discretionary depending upon the year? Is it possible that it could be the other way around where it is 60 in class 1 and 61 in all other classes. Have not been able to find this in the handbook.
I do remember seeing that Wright City would be adding this year, If all of this is true will there be any notable shifts?
It seems like I read somewhere they they pushed back the release date of the classifications to November 9 because they were waiting to see if some of the smaller schools were going to have a team? I guess there were were some teams maybe that did not have a team to take to districts? Is there any legitimacy to this? I haven't been able to find it anywhere recently. If that is a factor it could potentially shake things up even more I guess.
Enrollment numbers are out, any predictions on the new classes and districts?


text:
Consumer & Family Satisfaction Team
Operation Reindeer
The Mental Health Bell: The Story of Our Symbol
"Cast from shackles which bound them, this bell shall ring out hope for the mentally ill and victory over mental illness."
In 1950, the leaders of the National Mental Health Association chose the bell as the organization's symbol. They wanted a symbol which people already associated with freedom and liberty. Among these leaders were those intimately familiar with the deplorable and inhumane conditions in the locked state mental hospitals during the 1940's, because they had worked in them as conscientious objectors during World War II.
Others in this newly formed organization knew that although we were halfway through the 20th century, it was only recently that shackles, chains, handcuffs and other barbarous relics of the days when mentally ill patients were treated like criminals had been removed.
There was a need to proclaim to the country that Clifford Beers' "Mental Health Movement" was responsible for this measure of progress and, most importantly, to proclaim to people with mental illnesses that they had hope for recovery: that there was now a revitalized nationwide army of volunteers fighting for them, for better treatment, for more facilities, for wider research and for more help for an individual in recovery.
In 1952, the Mental Health Association collected in the lobby of their National Headquarters in New York City the metal restraints from hundreds of mental hospitals all across the country. That lobby has been described as looking like a "chamber of horrors" for the collection piled up.
All of these restraints were then shipped to the McShane Bell Foundry in Baltimore, MD, where they were dropped into a crucible and cast into a 300-pound bell in 1953.
Nothing could proclaim hope for those who have mental illness more dramatically than a bell cast from the actual chains and shackles used as restraints in a not-so-distant past. The bell bears the following inscription:
The bell has been rung on countless occasions to mark continued progress in the mental health consumer movement. We ring the bell with pride in our past history of achievements, with confidence in our present actions, and with hope in the promise of a future when we shall witness 'victory over mental illness.' When it is not in use for special events, the bell is on display in the Association's National Center in Alexandria, Virginia.
36 South Queen Street
304 York Street, Suite F


Things really are coming to a head.
News about the Gem and Jewellery Export Promotion Council in India trying to limit rough imports says it all.
Whatever the politics behind the decision or whether this seemingly voluntary restriction is abided by is not really the point, as I see it.
What this announcement puts clearly before everyone is just how extreme the situation has become and is becoming.
The days for platitudes is clearly over and everyone has got to realise that the diamond industry is a passenger in the train smash that has occurred throughout the world's financial markets and not some lucky 'decoupled' bystander.
Everyone is going to be suffering to a greater or lesser extent.
The other point is that we are not at the worst part of the crash yet which looks likely to come in the first quarter of 2009.
Producers are going to have no choice but to sell less.
The more they try to sell is going to reduce the average price of what they sell as the tiny availability of cash is eaten up.
The less they can sell at the moment is going to allow for a much quicker recovery. Forcing sales will simply kill the patient.
The patient in this case is the producer as well as those further down the chain.
At the same time the trade has got to start to really accept change and stop thinking that the old smoke and mirrors is going to get them out of this mess.
It won't, neither will panic.
The trade must accept transparent pricing and get away from the current monopoly that transfixes them.
Banks could also contribute beyond keeping as much money in the industry as possible by reasserting some discipline in the industry. This business, if it is a business, of selling on 180 days and hoping to be paid before the next millennium is a curse that must be stopped, as is 'selling' on memo.
Banks should simply refuse to finance such business.
There are going to have to be mega changes and it is going to be interesting to see who is going to be around to benefit from the inevitable turn around when it finally comes.
Even in the worst train smashes there are usually many more survivors than victims.


Sam's role at Spend Matters and MetalMiner covers all marketing operations, including advertising, email newsletters, webinars, social media, content creation, and more. After graduating from the University of Michigan, he worked in the Marketing department at POOL4TOOL, a solution provider. A Chicago native, he speaks German and enjoys traveling internationally as well as supporting Michigan football.
Spend data is a gold mine of valuable information for improving the procurement process as well as driving enterprise-wide decision-making. FTSE 100 services provider Serco learned this first hand when it engaged Simfoni, a provider of spend analytics tools, to change the way it gathered, presented and analyzed its data. Using spend analytics as the tip of the spear, the Serco team developed "should cost" predictive cost models to develop better bids for potential clients — and support what every CEO wants: profitable growth.
Spend Matters hosted a recent webinar in which experts discussed the topic. Featuring Serco Head of Procurement Andrew Spafford and Simfoni Managing Director Stefan Dent, the event centered on the role that spend data should play in an organization's decision-making process. Spend Matters Chief Research Officer Pierre Mitchell moderated.
At a recent Chicago Sourcing Leaders Lunch & Learn, one theme was clear: The sourcing department includes the "cool kids" of the enterprise. Hosted by solutions provider Scout RFP and Zebra Technologies, pioneers of barcode scanning technology, the Lunch & Learn featured a sampling of the Zebra product line and a practical presentation from Dawn Tiura, president and CEO of the Sourcing Industry Group, or SIG. She described the qualities of the "cool kids" and shared her insight on the importance of having a formal supplier governance program.
The coveted top-right corner of each SolutionMap represents the best performers in each procurement software category. Labeled as Value Leaders, these companies demonstrate the best balance of customer satisfaction and technical capability as judged by the Spend Matters analyst team. For the Q3 2018 SolutionMap, released Tuesday with newly added vendors and debut maps for Contingent Workforce and Services, here are the Value Leaders across all categories.
IT and procurement often find themselves at each other's throats, but the two functions have many similarities that escape the first glance. By finding common ground, IT and procurement can team up to bring several lucrative improvements to the broader business, including far more than just cost savings, risk prevention and increased revenue contribution. Indeed, a working partnership between procurement and IT can be the foundation for building a successful digital transformation.
Workers at "technology laggard" businesses are much more likely to be frustrated or quit, putting procurement organizations' talent management strategies at risk, according to a report by Unisys Corporation. Titled "The New Digital Workplace Divide," the research illustrates how a company's technology maturity plays a significant role in employee satisfaction — perhaps the key role. Workers at organizations whose tech lags behind the industry standard report frustration at a rate of 51%, compared with only 6% for those who work for tech leaders. Productivity is thus stifled when workers are frustrated by their laggard IT systems, procurement software included.
No procurement software vendor is perfect for every business scenario. Even if a technology provider has outstanding capabilities in some areas, companies that can consistently perform above multiple functional or customer benchmarks are rare. This is why specialist solutions continue to successfully challenge big name providers, winning customer showdowns through unique approaches to meeting organizational needs. To help our readers understand what sets these unique vendors apart from the rest, we launched in June a new SolutionMap column, "What Makes It Great."
In the year since we launched our first SolutionMap, the procurement technology space has evolved considerably. Between product updates, the rise of new solution areas and increasing provider consolidation, the technology landscape is changing every day. Procurement professionals no doubt have found it harder than ever to keep track of which solutions offer what capabilities, which companies are still independent and which have become part of a suite, and what technologies they need know to stay ahead of the competition. And just as the provider space is changing, so too has our approach to evaluating and ranking vendors.


text:
Celebrate and Pray
H.H.B. Theophilos celebrates Holy Mass at the Nativity Church in Bethlehem
By: Secretariat-General - Published: June 23 Tue, 2020
H.H.B. Theophilos celebrates Holy Mass at the Nativity Church in Bethlehem Available in the following languages:
On Sunday, June /21, 2020, His Beatitude our Father and Patriarch of Jerusalem Theophilos officiated the Divine Liturgy at the Basilica of the Nativity in Bethlehem on the Feast of All the Saints of Palestine, Martyrs, Confessors and Righteous, which is being celebrated in the last decades by the Patriarchate of Jerusalem after the Sunday of All Saints.
Co-celebrants to His Betitude were the Patriarchal Representative in Bethlehem His Eminence Archbishop Theophylactos of Jordan, their Eminences Archbishops Aristarchos of Constantina and Aristovoulos of Madaba, Hagiotaphite Hieromonks and Arab-speaking Priests, who minister the Shrine of Bethlehem and Archdeacon Mark with Hierodeacon Eulogios. The chanting was delivered by Mr. Vasilios Gotsopoulos on the right in Greek and by the Basilica choir under Mr. Lawrence Samour on the left in Arabic, with the participation of only a few faithful due to the measures against COVID-19.
Before the Holy Communion, His Beatitude read the following Sermon:
"And Jesus, walking by the sea of Galilee, saw two brethren, Simon called Peter, and Andrew his brother, casting a net into the sea: for they were fishers. And he saith unto them, Follow me, and I will make you fishers of men. And they straightway left their nets, and followed him "(Matthew 4:18-20).
Beloved Brothers and Sisters,
Noble Christians
Our Holy Church of Jerusalem is especially celebrating today the Feast of the Saints of Palestine. Therefore, we also, by the grace of the Holy Spirit have gathered in this sacred place of the God-receiving Cave of the Nativity of our God and Saviour Jesus Christ in order to offer the bloodless Eucharist a sacrifice of praise to the Holy Trinitarian God, amidst the COVID-19 pandemic.
The geographical area of Palestine is the Biblical place where the heavenly met with the earthly, namely the revelation of God to men, which was fulfilled in the great mystery of God's providence, of the incarnation of God the Word through the pure flesh of the Ever-Virgin Mary.
The Biblical Palestine in the primary place of the calling of Patriarch Abraham and of the Holy Apostles. "Now the Lord had said unto Abram, Get thee out of thy country, and from thy kindred, and from thy father's house, unto a land that I will shew thee"(Genesis 12:1). And the Lord said to the fishermen: "And he saith unto them, Follow me, and I will make you fishers of men. And they straightway left their nets, and followed him"(Matthew 4:19-20).
Through Abraham's calling by the Lord, the group of the Holy people and the Prophets of the Old Testament is being formed. And through the calling of the fishermen by Christ, the group of the Holy Apostles is being established. Both the Prophets and the Apostles became the foundation stone, with Christ being the chief corner stone, upon which all the Saints of the Church were established, as St. Paul says: "Now therefore ye are no more strangers and foreigners, but fellow citizens with the saints, and of the household of God; And are built upon the foundation of the apostles and prophets, Jesus Christ himself being the chief corner stone"(Ephesians 2:19-20).
This means that through the without hesitation acceptance of their calling, the Prophets and the Apostles were made by God vessels of the Holy Spirit, a Spirit of Holiness, according to St. Peter's words: "But as he which hath called you is holy, so be ye holy in all manner of conversation; Because it is written, Be ye holy; for I am holy"(1 Peter 1:15-16).
In other words, the Holy Apostles who were called by our Lord Jesus Christ are the prototypes of holiness, namely of man's deification, and for this reason we are called to imitate them. "Light is sown for the righteous, and gladness for the upright in heart. Rejoice in the Lord, ye righteous; and give thanks at the remembrance of his holiness"(Psalm 97:11-12) David chants.
The special characteristic of the land of Palestine is that it was watered and therefore sanctified by the sacred blood of the fulfilment of the Law of Moses and of the Prophets, namely of Christ's blood. It was also watered with the blood of its Saints, as they became eye-and-ear witnesses of the teaching, the miracles, the Passion on the Cross and the Resurrection from the dead of our Lord and Saviour Jesus Christ, as St. John the Evangelist says: "And the Word was made flesh, and dwelt among us, (and we beheld his glory, the glory as of the only begotten of the Father,) full of grace and truth"(John 1:14). And according to Peter the chief of the Apostles: "For we have not followed cunningly devised fables, when we made known unto you the power and coming of our Lord Jesus Christ, but were eyewitnesses of his majesty"(2 Peter 1:16).
It is also noteworthy that the source of righteousness and holiness of all the Saints and of course of those in Palestine, is "the source of life" the Most Blessed Theotokos and Mother of our God, the Ever-Virgin Mary, who inaugurated the sanctification of the Biblical Palestine through Her Annunciation in Nazareth, by giving birth to God the Word in the Cave of Bethlehem, and through Her burial in Gethsemane in Jerusalem. All Saints owe their holiness and righteousness to the immaculate Lady Theotokos and Her obedience to the Will of God. "And not as it was by one that sinned, so is the gift: for the judgment was by one to condemnation, but the free gift is of many offences unto justification"(Romans 5:16) St. Paul preaches.
The Saints, being "full of fruits of righteousness through Jesus Christ for the praise and glory of God" (Phil. 1:11), according to Paul, are a living example by which we are urged to imitate their godly zeal and perfect love for Christ. And we say this, because the innumerable chorea of the Saints of the Church of Christ proves beyond doubt that every single man has the calling and is able to join the Saints as it is written: "become holy for I am holy"(1 Peter 1:16). This is precisely the command of our Lord and Saviour Jesus Christ, as it is also the purpose of His Church. "For the Saints are full of spiritual grace not only in their words but also in their bodies" St. Chrysostom says. "I venerate and respect the Saints, and I ask for their intersessions and prayers, for it is through their prayers that we are all saved" St. John Damascene says.
Today's honoured Saints of Palestine, my dear brethren, are distinguished for their irrefutable historic witness that, on the one hand, the revealed truth in Christ is not an ideologic nor a worldly theory of a religion, and on the other, the Church as the body of Christ is not a social institution, nor a charity, but the fact that God, the Creator of all beings rests in His Saints and in the Church, and this is confirmed by the psalmist by saying: "For the Lord hath chosen Zion; he hath desired it for his habitation. This is my rest for ever: here will I dwell; for I have desired it"(Psalms 132:13-14).
Let us entreat the Saints who have boldness toward God, so that along with the intersessions of the Theotokos and Ever-Virgin Mary we may find the holiness in Christ and the salvation of our souls. Amen."
Fr. Claudio Lurati, a Comboni missionary, appointed Apostolic Vicar of Al...
Presbyteral Council of Latin Patriarchate invites faithful to participate...
Taybeh: Institute of Incarnate Word Sisters' new service at Beit Afram El...


The 9th workshop of the Digital HPS consortium, the first in Europe, is devoted to the continuous exchange of ideas and tools and to broaden the focus by fostering exchanges with European projects. As with all previous workshops, the program will include updates on new developments as well as a focus on how digital editions and data can bridge the gap between the production and dissemination of research in HPS and beyond. Contributions and updates on all topics are welcome. A preliminary list of topics can be found below.


Functional items will keep your brand in the limelight. | .
If you're thinking about distributing promotional items in an effort to build brand awareness, it is important to consider your options before doing so, as choosing the right items can have a significant positive impact and help consumers remember your company.
According to research undertaken by the British Promotional Merchandise Association (BPMA), 94 per cent of people remember the firm that gave them a promotional item if they held on to it for at least six months. Clearly then, providing your target audience with products that will be useful will help to keep your firm at the forefront of their minds, as they are far more likely to hold on to an item that they can make good use of. Fortunately, there are a number of functional gifts that have wide appeal.
According to the Office for National Statistics (ONS), 67 per cent of adults in the UK used a computer every day in 2012. This could be during the course of their working day, perhaps in an office environment, or for personal use at home.
As a result, there is an enormous amount of potential for companies to increase awareness of their brand by offering relevant computer accessories. For example, mouse mats can be printed with your firm's name, logo and call to action. The recipient will be reminded of your business every time they use their PC and your contact details should be on hand should they have an enquiry.
Carrying several keys around with you can cause significant problems, especially if you need to share them with other people from time to time. Even if you do not drive, you will often have several keys, usually for your home, workplace and sometimes for a family member or friend's house. This is why promotional keyrings are another example of products that are likely to be kept for a prolonged period of time, as they perform a useful function, ensuring all the keys you need are held together and therefore harder to lose.
If your firm offers services related to motor vehicles, it might be a good idea to distribute branded tax disc holders. According to the Department for Transport, there were 34.6 million motor vehicles licensed for use on UK roads in 2012 and all of these will have needed to be taxed. This means there is huge potential for firms to expand their brand awareness with printed tax disc holders, as all road users will be required to replace their discs at least once and in some cases twice per year. In addition, any passengers and passersby are likely to see the tax disc holders.
If you are looking to hand out functional promotional items, look for something unique that will help your brand stand out. Plumbers, builders and utility companies could, for example, use branded radiator keys. Most people don't purchase a radiator key until they actually need one. However, if you have provided them with one, they will be able to get the job done there and then.
Furthermore, it will be your firm's details on hand if they need further assistance.


The extensive gourmet breakfast is, of course, included in the room price (unless otherwise stated in tariff description). So are taxes. Small snacks and drinks from our Honesty Bar, as well as the dinner menu and other drinks, are not included and will be settled at the end of your stay.
You can pay in cash as well as with credit card.
The hair dryer could be left at home. Towels, bed linen and big towels for our pool or the beach are free of charge. On request we provide you with a "beach package" (two sunchaires, one Parasol and a beach game) for a small fee.
Sorry, we don't allow any pets at Cortijo El Sarmiento.
Please note that guests are not allowed to consume food or drinks from outside on site.
Damage of movable and/or immovable assets of our B&B or other things we placed at your disposal during your stay will be immediately charged on a separate invoice – This invoice can be presented to your travel insurance.
Outside these times, there is generally no check-in or check-out possible, as we then mow the lawn, do the shopping, wash clothes or repair things and want to welcome you in a good mood and freshly teased 🙂 … and with well-scrubbed hands of course!
To be well prepared for the arrival of our guests, it would be kind if you could tell us your expected time of arrival. The easiest way would be to inform us your flight details and airport of destination or, if you are coming from somewhere else, at which time you plan to arrive at our Cortijo.
Directions how to find us could be found on our website.
In the event that you cancel, the conditions stipulated below shall apply. We therefore recommend that you take out travel cancellation insurance, which can save costs in many cases.
Cancellations must be made by email. You will receive a corresponding confirmation from us within 24 hours. Please note that a cancellation is only valid in conjunction with our written confirmation.
If you arrive more than 30 days after booking, we will be delighted to reserve your room binding upon receiving a deposit of 50 percent of the total accommodation amount. When booking online we will immediately debit the credit card you used for reserving so you don't need to take care.
The remaining amount must be credited to our account no later than 30 days before arrival. If this deadline is not met, the reservation will automatically be cancelled. In this case, you will not receive any refund of the booking deposit. When submitting your credit card we also take care of this in case you might forget.
If you will be arriving within 30 days of booking, the entire accommodation amount is due for a binding booking.
If you have any questions you can contact us by mail or phone at +34 616 86 20 83.


Ek bilgiler: Rockstar Games is a multinational video game developer and publisher based in New York City. The Games it is mostly known for is Grand Theft Auto, Max Payne, L.A. Noire, The Warriors, Bully, Manhunt, Midnight Club, State of Emergency, and Red Dead, series and the use of open world, free roaming settings in their games.
Max Payne fanlarının mutlaka oynaması gereken bir oyun.


The Spanish mega bank has kept its head above water so far, but the Euro debt crisis is turning much of its gold into lead. MoneyShow's Jim Jubak, also of Jubak's Picks, breaks down the bank's quarterly report to determine whether the ship can still float.
Banco Santander (STD) is an immensely profitable global bank.
It has more customers in Brazil and Mexico (34 million at the end of 2011) than in Spain and Portugal (30 million). Its Brazilian subsidiary is the fifth-largest bank in Brazil. In Mexico, it's No. 3. In 2011, the bank got 54% of its profits from emerging economies.
In 2011, the bank took a €1.8 billion provision against losses on Spanish real estate. Including that provision, a writedown on goodwill in its Portuguese bank, and a regulatory charge in the United Kingdom, the bank's 2011 return on equity was just 7.1%. That's down from 11.8% in 2010.
In the case of Banco Santander, though, we've got detailed Spanish information that's only as old as yesterday. That's when Banesto, the publicly traded Spanish arm of Banco Santander and the fifth-largest bank in Spain, reported first-quarter earnings.
Banesto, or to be formal Banco Espanol de Credito SA (BTO.MC in Madrid), reported a 90% drop in net profit from the first quarter of 2011 to just €20 million, as a result of setting aside €475 million in provisions against bad real-estate loans. Coverage of bad loans, as a consequence, rose to 50% from a previous 10%. Non-performing loans climbed to almost 5% of risk-weighted assets, from 4.2% a year ago.
The bank's most recent quarterly report is unsettling reading for Spain and its struggling economy. In 2011, the bank reduced its lending to the private sector by 9.2%. In the 12 months ended March 31, 2011, Banesto reduced its loan book by 8.3%. It sure won't help a Spanish economy struggling for growth if the country's banks are cutting back on lending.
There's also bad news for the Spanish economy in the way that Banesto has responded to new Spanish rules that force banks to increase their reserves against losses on real-estate loans. One way to increase that reserve ratio, of course, is to raise capital and put it aside as reserves. That's very expensive right now.
The other way is to reduce the size of a bank's loan book, so that the reserve ratio rises without any addition to reserves. In the quarter, Banesto increased its sales of real estate to €140 million in March, from €30 million in January. You can imagine what the accelerated pace of selling does to housing prices.
If you've been wondering how far the Spanish real-estate market is from a bottom as a way to judge when this crisis might end, then Banesto had bad news to deliver. The bank said it continues to foreclose on roughly the same number of properties that it is selling. In other words, the backlog of real estate on the market at distressed prices isn't shrinking.
Okay, what answers does the Banesto quarterly report give investors in Banco Santander?
First, deposits. The bigger the pool of deposits a bank has, the less likely it is to need to raise money in the financial markets to fund its operations.
Customer deposits at Banesto were down in the first quarter to €54 billion, from €60.5 billion in the first quarter of 2011. But deposits in the first quarter were up by €3.2 billion from the fourth quarter of 2011.
In Spain, certainly the most troubled part of the Banco Santander global franchise, the bank isn't seeing the kind of massive withdrawals that would endanger the bank's capital position. Overall, Banco Santander has been able to reduce its ratio of loans to deposits—thanks to reducing the size of its loan book—to 1.17 (loans to deposits) in 2011, from a 1.35 ratio in 2009.
Second, capital needs. How much capital a bank needs to raise is determined by the financial markets (what level gives the markets confidence), the credit rating houses (what level gives them confidence), and bank regulators. Bank regulators have, perhaps, the most influence since they get to decide that counts as capital.
The evidence from Banesto's quarterly report is that Spain's regulators aren't being sticklers. Banesto was able to reduce its need for capital and avoid a loss for the quarter by producing €365 million of extraordinary gains from selling stakes in industrial companies and loans from its balance sheet.
The attitude of regulators is a key to Banco Santander's ability to meet its capital needs going forward by selling assets and indulging in some creative asset shifting. So far, the evidence is that regulators will let this pass—if only because the alternatives are so unpalatable.
Third, cash flow. Banesto's ability to generate even €20 million in profits during the first quarter of 2012 is critical to judging Banco Santander.
Right now, the dividend—up to 11.17% yesterday—is crucial to the share price of Banco Santander. If the dividend goes, the stock falls hard. Already, the company has resorted to voluntary payments of dividends in stock, as a way to preserve cash to meet the bank's needs to retain earnings in order to raise capital.
I know the deepening recession in Spain looks like the biggest threat to shares of Banco Santander, but my biggest worry is a slowdown in Brazil or Mexico, the two biggest sources of bank profits, which would endanger the dividend. So far, that looks unlikely. Both economies are, in fact, seeing growth pick up.
Banco Santander shares are a speculative investment right now—let's not make any bones about that. You're taking a risk now and taking a beating now in the belief that the bank can thread its way through the current crisis, until a day when the market rewards the strengths of the global franchise.
Any target price I can calculate now is based on so many assumptions that, depending on how I tweak those assumptions, I can get an end of 2012 target price anywhere from $12 an ADR (American Depositary Receipt) to $8.85. That a difference of about 35%.
I'm more comfortable with the assumptions behind that lower target price. The risks are pretty clear to all, I hope. The upside is about 38% from the $6.425 April 13 closing price in New York.


I don't know where Mr. Marchesi comes from, but I don't think it's Milan.
For me, a risotto Milanese has to be made with bone marrow, otherwise it's just a risotto and NOT Milanese.
And as I can't see any bone marrow in his recipe, it is not a Milanese. Sorry.
Unless somebody proves me wrong.
Hi, of course, everyone's experience with a type of cuisine is different. Care to share your recipe? Gualtiero Marchesi does indeed come from Milan, where he was born into a family of chefs. He's often describe as a key influencer of modern Italian cooking. Here's some more biographical information: http://en.wikipedia.org/wiki/Gualtiero_Marchesi http://www.gualtieromarchesi.it/en/biografia.html Hope that helps!


To add breadth to a student's program and to provide fundamental knowledge regarding algorithm design that is needed in more advanced courses in the computer engineering area; emphasizes understanding the classes of problems that can be solved by computers and quantifying the performance of algorithms used to solve such problems.
Fundamental knowledge regarding algorithm design that is needed in more advanced courses in the computer engineering area; emphasizes understanding the classes of problems that can be solved by computers and quantifying the performance of algorithms used to solve such problems.
Computational models and techniques for analysis of algorithm complexity; design and complexity analysis of recursive and non-recursive algorithms for searching, sorting, set operations, graph algorithms, etc.; dynamic programming, greedy algorithms, NP-complete problems.
Data structures and discrete mathematics for computer engineering or equivalent courses, or consent of instructor; programming experience in one or more high-level language (e.g., C, Pascal, Fortran, Ada) and a working knowledge of basic data structures (stacks, linked lists, queues, trees), recursion, probability, and calculus.
Homework will be assigned but not graded, solutions will be distributed.
One midterm exam and one two-hour final exam.
Tentative:Required--Thomas H. Cormen, "Introduction to Algorithms", 3rd ed., The MIT Press, ISBN 9780262033848.
ProEd minimum computer requirements; capability to view and print PDF document. Web browser and e-mail: Internet access is required for students to print handouts from the web; e-mail will be used to disseminate answers to questions posed by individual students to the class.


In this paper, we describe the SS+-tree, a tree structure for supporting similarity searches in a high- dimensional Euclidean space. Compared to the SS-tree, the tree uses a tighter bounding sphere for each node which is an approximation to the smallest enclosing sphere and it also makes a better use of the clustering property of the available data by using a variant of the k-means clustering algorithm as the split heuristic for its nodes. A local reorganization rule is also introduced during the tree building to reduce the overlapping between the nodes' bounding spheres.


Located approximately 10 kilometres to the west of Palito this project could be considered as part of the Jardim do Ouro project area and hosts garimpos with primary gold mineralisation believed to be developed in narrow, high grade, quartz sulphide vein systems that trend parallel to the Tocantinzinho Shear Zone. Past exploration work by Serabi including geochemistry and some limited drilling identified a number of gold and copper anomalies and the hard rock potential. Sample analysis has also given rise to some high lead, silver and zinc values.


text:
They met online, but that was only the setting. It could have happened anywhere—a bar, a club, a finishing school, a Turkish bath. It was going to happen somehow, somewhere, but it happened online. She was fresh from finally leaving Leon, after years of saying she would; he was startlingly single, though the women in his life said he was eminently eligible.
She jogged every day, five to ten miles to clear her head, not to stay in shape, though that was a great side effect. He was a clean and jerk kind of guy, lifting double his weight easily, though he hid his muscles well in larger outfits. Her friends had told her for years that Leon was no good, but she didn't want to be single. His mother still did his laundry, even though he was forty-two.
Neither of them was on eHarmony.
It all started with a band. They were everywhere: plastered on billboards, sneaking into friends' Facebook posts, on television commercials for awards shows. At first she said they were too popular, that she'd never be a fan, but then she heard their music and her resistance melted. He was hooked from the start, authentic because he'd liked them before they got big.
He told her this often on their first date.
The first time he hit her was after the third date, when she mistakenly thought he was a gentleman. He didn't even remember why he did it, just that it happened. She remembers she told him she was just as big a fan as he was. It was open handed, though, so she let it slide. There were tears, he apologized, and she made him promise it wouldn't happen again. It would not be another Leon situation, she told herself, which is why she never told her friends.
He sent her flowers the next day, and she knew she was in love. Nobody is perfect, and she couldn't expect him to be. After all, she didn't have many options. She was thirty-eight, and life hadn't handed her any victories, just a litany of self-absorbed assholes who used her to make themselves feel heard. In that way, he was different, as the flowers would attest, though they were roses. She preferred lilies.
He would learn, she told herself.
The second time he hit her was after their eighth date, when she was already committed, when she least expected it because he'd been so good for so long. He apologized the next day, then demanded sex, and she gave it to him, hoping it would alleviate the sense of misgiving she'd begun to have. If there was one place they were in sync, it was in the bedroom. She put ice on her face to lessen the bruising.
She avoided conflict from then on. Yes, dear. Of course, dear. He was pleased she'd finally come around. By the time he moved in, she knew they would last. But she never listened to the band again.
[This is a flash fiction piece I wrote two weeks ago.]
Categories Short StoryTags flash fiction, short storyLeave a comment
Previous Previous post: on the occasion of my 44th
Next Next post: we kept singing


Trump's offshore oil drilling push show that perhaps the only thing President Trump loves more than coal is oil and gas. Will Americans support this offshore boom?
This article is based on a collection of archival stories.
When it comes to energy, perhaps the only thing President Trump loves more than coal is oil and gas. Just a day shy of 100 days into his presidency, Trump is expected on April 28 to sign an executive order to open more offshore oil drilling in U.S. waters.
The move is meant to spur the economy and reverse President Obama's decision last December to ban drilling from large swaths of sensitive marine environments. Regardless of whether Trump succeeds in overturning Obama's protections, it's clear oil won't be flowing from new offshore wells anytime soon. Why is that? And will Americans even support this promised offshore boom? Our academic experts offer some answers.
Obama used an obscure provision of a 1953 law to "indefinitely" protect 120 million acres of marine environments in the Arctic and Atlantic oceans. Environmental law professor Patrick Parenteau from the University of Vermont explains the legal justification for the ban and why Congress is a critical player in Trump's plans to open up drilling.
The law "does not provide any authority for presidents to revoke actions by their predecessors. It delegates authority to presidents to withdraw land unconditionally. Once they take this step, only Congress can undo it," Parenteau writes.
Meanwhile, are oil and gas companies clamoring to get into the Arctic and other offshore sites? Two years ago, Royal Dutch Shell pulled out of the waters off Alaska, citing disappointing results from its exploratory well. It also ran into serious troubles, requiring help from the U.S. Coast Guard, after its offshore drilling rig broke loose and ran ashore. Despite all the technical challenges, though, oil majors have been eyeing the Arctic for decades – and facing opposition to their plans, writes historian Brian Black from Penn State.
"A dramatic emphasis on Arctic drilling reopens debate on the pros and cons of development, arguments that have remained largely unchanged since interest commenced in the 1960s. These include the challenges of technology and climate; impacts on wildlife and native peoples living in the region; and strong resistance from environmental organizations," Black says.
When it comes to safety, Shell's about-face in the Arctic was instructive, says Robert Bea, an expert on assessing and managing risk from the University of California, Berkeley. While guidelines for offshore drilling have been updated following the Deepwater Horizon blowout disaster in the Gulf of Mexico, the Department of Interior guidelines do not follow the best available safety processes, Bea says.
"Reliance is being placed on the Department of Interior best practices of experienced-based, 'piece by piece' prescriptive guidelines and regulations. These have not been proved or demonstrated to be adequate for the unique drilling systems, operations and environment involved in Shell's operations in the Chukchi Sea this summer," he wrote in reviewing Shell's troubles.
Even with these safety concerns and relatively low oil prices, the industry is moving ahead in the Arctic, in part because of fracking, the drilling technique that revolutionized the energy industry onshore, from Pennsylvania to North Dakota.
"Although it has gone largely unnoticed outside the industry, foreign firms are partnering with American companies to pursue these new possibilities. I expect this new wave of Arctic development will help increase U.S. oil production and influence in world oil markets for at least the next several decades," Scott Montgomery from the University of Washington wrote recently.
Meanwhile, how does the U.S. public feel about offshore drilling overall? Certainly, few consumers will complain about cheaper gasoline – one of the justifications for boosting oil production. But support for offshore drilling dipped substantially after the Deepwater Horizon spill in 2010, according to an analysis of public polling by David Konisky from Indiana University.
"The fluctuating nature of recent public opinion suggests sensitivity to external factors such as accidents, oil prices, and Middle East politics. But more broadly, one can reasonably interpret the U.S. public as divided on how to achieve the right balance between energy development and environmental protection," he wrote.


Okay, so I'm going to get my SGS5 in 1 week or so, and I have a big question.
Did someone take the SGS5 in water deeper that 1m? I mean, does it resist to 2m in water?
Hope you understand, not going to use translate to make the question perfect or smth like that.
Is the Nexus 6P a good buy right now?
Why can I not move some HUGE apps to my sd card?
my samsung galaxy s5 dead automatically???
How can I set message tones for contact groups on S7 Active?
Does a heart sensor work on the samsung gear s2 if it is not connected to bluetooth via the phone?
I have a LG Stylo phone and I have to keep buying chargers for my phone.
How do i fix my keyboard problem? It keeps saying "Unfortunately, samsung keyboard has stopped."
Where are missing features in Snote gone?


text:
Dominic Raab's new restaurant 'The Meaningful Choice' allows patrons to eat the one dish they're offered, or go home
Brexit secretary Dominic Raab has opened a new restaurant called 'The Meaningful Choice' where guests will be given the option of eating the one thing his staff have prepared, or going home hungry.
The new venture was launched last week after locals had insisted there was a lack of choice for people wanting to go out for dinner.
"The people have spoken, and I have delivered precisely what they asked for," explained Raab on opening night.
"The people said they wanted to go out, and here I am giving them precisely that."
However, some critics have said the customer experience is a long way from what was promised when the restaurant was originally announced.
"I think it's fair to say that people expected more than just one choice," explained restaurant critic Simon Williams.
"Maybe a menu? Or the option the decide on what they actually eat after reviewing said menu?"
"That is an unfair criticism, there is clearly more than one choice," explained Raab, "there is the choice of the dish we've made, and the choice to reject it, leave and go home hungry.
"Some people will no doubt say this is a long way from a meaningful choice, but that is fake news. You can choose to eat, or you can choose not to eat – choices do not get more meaningful than that.
"What's tonight's special? I'm glad you asked, it's a dogshit sandwich, and now you've asked you have no choice but to tuck in."
I think, therefore I am (not a Brexit supporter) – get the t-shirt here!
Previous post: Roseanne disappointed at decision the kill off character with opioids and not fatal liberal political correctness
Next post: Seann Walsh and Katya Jones to give tender display of lovemaking on Strictly to avoid elimination


text:
Automated Systems, Inc. Welcomes Jody Weissenburger as Account Executive
July 12, 2017 By Tim Schmidt In Uncategorized No Comments
Automated Systems, Inc. (ASI), a community bank software solution provider of core banking technology and processing services, announced today that Jody Weissenburger has joined the team as an Account Executive for Iowa.
Jody comes to ASI with over 26 years of combined community banking and industry experience. For over 19 years, she was employed at Fiserv in various roles, which included: Client Solutions Consultant, Product Marketing Specialist, and Training Specialist. During this time, she also performed Operational Reviews for numerous banks.
"Jody is committed to community banks and their endeavors, something ASI strongly believes in," said Bradley R. Perry, President and CEO of Automated Systems. "Mrs. Weissenburger brings her passion and respect for community banks to Automated Systems. Jody thrives on helping community bankers achieve their business requirements and create efficiencies through the use of the best financial products and services."
"I have been extremely impressed with the innovation of products, the culture within ASI, and the dedication and ongoing commitment to community banks. I welcome the opportunity to build relationships with Iowa bankers by helping them achieve their financial goals and improve efficiencies within their operations.", said Jody Weissenburger. "I am absolutely thrilled to join the Automated Systems team."
Automated Systems, Inc. (ASI), develops advanced banking solutions that allow smaller and moderately sized community banks to compete with regional and multinational institutions. Their 35 year solution development track record includes the revolutionary Insite Core system, industry-leading iTeller application, award-winning digital banking applications, and the time-saving image and document tracking processor, iDoc. Learn more at www.asiweb.com or contact Sean O'Connell at 417-425-9080.


Our marigolds in the vegetable garden look amazing, just six weeks after planting!
Last month I shared my gardening experiment: planting marigolds in the vegetable garden for their many benefits.
You can read that post here: Marigolds in the Vegetable Garden? Yes!
This is our first time planting pumpkins, and I can't wait to see how many pumpkins we get. I'll be happy with just a few big ones!
Are you ready to see how the plants look today?
There's a bunny in our yard – he comes to visit every day – and we have watched him ignore the vegetable bed. All of our vegetables are doing great, with lots of bees buzzing around pollinating the blossoms. So far, so good!
I love how pretty they look against all of the green plants. And I love even more how they seem to be helping out the veggies too!
If you want to read about all of the benefits of adding marigolds to your vegetable garden, definitely click the link in the beginning of this post, as I list them all there.
Everything looks great! What a pretty (and bountiful!) garden! I planted marigolds around my lettuce beds. The rabbits ate all the leaves off of every one of my marigold plants, but left the lettuce alone!
Wow Jenny – I didn't know rabbits would even nibble on marigolds, let alone eat their leaves, as supposedly they are repulsed by the marigold scent. But that's great the lettuce remained untouched! Whew! 🙂 Thanks for sharing, as I love to hear how others are doing with marigolds and veggie gardens!
Laura / Pet Scribbles recently posted…DIY Faux Flowers: no green thumb required!
My marigolds and chrysanthemums were immediately devoured by all the bugs that are around – and they were planted to be insect deterrents!
That's a shame Michele! Are you sure there's not an animal devouring them? I'd suggest asking your local nursery professional for some advice. Perhaps they know of what is attacking your plants and can suggest a remedy! Fingers crossed for you!
Jennifer – I was SO skeptical when my hubs wanted to plant corn, as I thought the same thing. I'm still wondering how huge these plant stalks will grow, but at least they are contained within the garden bed walls! We only planted three tiny plants, which look VERY deceiving at the garden centers!
I also started planting marigolds in the garden in 2014, and I also would love to add: Borage is a wonderful garden-buddy, too! Especially near tomatoes and cucumbers, since it confuses a lot of pests. Plus the plants have these beautiful blue flowers – something to consider if you'd like to continue adding flowers among your vegetables!
Thank you for the photos – a lovely example!
Laura where are you located?


text:
Fu Yuanyuan
Zhang Fangying
Ms. Fu graduated from Dalian University of Foreign Languages with the degree of BA in 2004 and passed TEM-8 and Chinese National Bar Exam in 2006. Ms. Fu graduated and got the Juris Master from Law School of Liaoning University in 2007. From July 2007 to August 2012, Ms. Fu worked in Liaoning Hengxin (Shenyang)Law Firm, and from August 2012 to May 2015, Ms. Fu served as the legal counsel of BMW Brilliance Automobile, since June 2015, she has been practicing in Liaoning Hengxin (Shenyang)Law Firm. Ms. Fu can communicate with clients in fluent English and is good at dealing with foreign-related civil and commercial legal affairs. She has handled a number of complex civil and commercial cases. Based on his rich legal work experience and social experience, she has effectively completed the agency work in a number of civil and commercial cases and execution cases. Mr. Fu is a lawyer in the talent pool of 1000 foreign-related lawyers in China; arbitrator of Shenyang Arbitration Commission; excellent lawyer of Liaoning Province; legal service expert of small and medium-sized enterprises in Liaoning Province; senior engineering legal consultant; member of the pilot-free-trade-zone Committee of Liaoning Lawyers Association and member of the foreign-related Committee of Shenyang Lawyers Association; member of bankruptcy and reorganization Committee of Shenyang Lawyers Association.
real estate, foreign investment, and customs.
Address :Room 2008, HUNG
LUNG Plaza Office
Building, NO.1-1,
Qing Nian Street,
Shenhe District,
Shenyang, P.R.China
Email : fuyuanyuan@hxlawyer.com


Cocktail reception at 3:10 p.m.
Hodgson Russ represents school districts throughout New York State and has done so for decades. To help our school district clients meet their legal challenges, we have assembled a team of experienced attorneys who focus on education law and public sector employment law. The attorneys in our Education Law Practice Group counsel boards of education, school superintendents, and school administrators on the complete range of issues affecting public education. For more than 25 years, our annual school client conference has proven to be a success in communicating with our clients on important matters affecting their districts.


text:
Patrick Lizana est un acteur français. Il est principalement connu pour avoir joué Grimaldi, le policier blagueur dans le film La Cité de la peur sorti en 1994.

Biographie

Filmographie

 1994 : La Cité de la peur d'Alain Berberian : le policier Grimaldi.
 1997 : Le Ciel est à nous de Graham Guit : Ficelle.
 1999 : Voyages d'Emmanuel Finkiel : Henri.
 2000 : Les Marchands de sable de Pierre Salvadori : Xavier.
 2002 : Bord de mer de Julie Lopes Curval : Albert.
 2017 : La Douleur d'Emmanuel Finkiel : Georges Beauchamp.

Notes et références

Liens externes

Acteur français de cinéma

redpajama_set_name: RedPajamaWikipedia


text:
This week began with some exciting news - the Lighthouse Young Writers Anthology is here at last, and looking brilliant! We can't wait to launch it at Lighthouse in January...watch this space for more details and how to get your hands on a copy!
Today, we were looking at ways to keep a story moving, working through writers' block or not being able to see the way forward with a story, with techniques to keep it dynamic and exciting, to keep the action going! Scheherazade would have had to do this 1001 times with her stories for the King - giving up on an idea was not an option!
We started by thinking back to a story we had begun before, either in a previous workshop or in our own time - often in these workshops, a challenge will lead to the start of an idea/story, but then next week we move on to something new, so this would allow us to come back to some of those snippets and fragments of story we never quite followed through on!
We began with a five minute free-writing exercise, from the point of view of the main character in the story we wanted to come back to. Here were some questions we considered to get us writing:
What are they worried about?
What are they excited about?
What sort of music do they like?
What sort of places do they like?
What do they do to relax?
Who do they trust the most? Who don't they trust?
What are they concerned about and why?
What do they notice around them?
Next, I shared my screen, which had a series of coloured boxes to choose from... each colour would give the young writers a prompt to continue their story.
For example, under the red box was A SECRET IS REVEALED ABOUT A CHARACTER.
Under the green box was A NEW CHARACTER ARRIVES IN THE STORY
And under the purple box was A CHARACTER EITHER FINDS OR LOSES AN IMPORTANT OBJECT
Here's how Jasmine continued her story about the wolves, Tealeaf and Riverflow, who you may remember from previous blogs. Can you guess which coloured box Jasmine picked?
Tealeaf shook her head as if to clear it, the cave of Misted Water was very…well misty, and quite a lot of vines and plants had grown here and there, growing along bookshelves. It looked like nobody had been there for a long time
'I have been here a long time' said a deep voice suddenly, 'my name is…Birchbark and I see you are from the Stardew Valley pack?'
'Yes' answered Riverflow 'there was a fire and we think the pack left us here'
'we?'
'Yes, my sister….' Riverflow's voice trailed away
'she looks like she hit her head' said Birchbark
'I did' answered Tealeaf.
The night, when Birchbark had agreed to let them stay until morning. Tealeaf lay awake on a bed of moss, thinking.
There was something Odd about Birchbark, sometimes he almost seemed to….read her mind
'I don't read minds!' Snorted Birchbark.
Jake and Jaimes also continued their stories with intrigue and action...
one day demon bunny was so hungry he went to go rob a store
on his way through a dark cold damp alleyway he found a lamp -because that's
how the story goes obviously- By Jaimes
mr big foot was hungry he felt like going to a shop because
why not, so he walked slowly down the contry road as people look at him like he
is a billion air then police started drifting around the corner like the big
foot was a robber unlikely he wasn't he just wanted food so he stated running
as fast as he can and looks behind him to see where the car was and then in a
blink of a eye this light pole come out of no where and gets knocked out
because that's how a story goes - By Jake
And here is Safir's continuation of his 'Dumpster Diver Dan story!
As the day was starting to end, Dumpster Diver Dan returned
home with the infinity gauntlet. The next day he went to his local dumpster,
Tesco super garbage. As he dived, the gauntlet fell of his hands. "Oh
well, plastic cheese is better," Dan explains. But then the cheese fell
into the drain.
"NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!"
screamed Dan. But then the cheese floats back up. "Oh hi Pennywise, can
you also get my penny please?" Dan asked.
"No, they've sold out." answered Pennywise. "I don't get
it, you don't have a penny and your not wise." Pennywise sobs. "There there, you'll
always be dumb."
In our final session before Christmas, each group will give a mini showcase (just for each other!) sharing their favourite story/script/poem/extract of writing from this term. To continue with the One Thousand and One Nights theme, we reminded ourselves of the frame story of Scheherazade and the King. Then, in each group we took a few minutes to think of our own frame stories - a reason why we would need to share our very best stories/pieces of writing together, perhaps to avoid punishment, to gain a reward, for survival…
To get us started, I suggested some ideas like...
You're being held hostage by aliens, who will set you free in return for the best story on earth!
Willy Wonka is offering a lifetime supply of chocolate to whoever can tell the best story!
You need to tell a story to distract the dragon guarding a cave of jewels, to allow your friend to steal them!
The young writers came up with some much better ideas of their own and voted on their favourites! In the younger group, we will have two sections to our mini showcase, half using the frame story which Sam came up with - A group of travellers meeting in a tavern to entertain each other with their tales - and some using Martha's frame story idea - We've been held hostage and can only save ourselves by telling our best story, revealing the truth.
In the older group, there was a brilliant range of ideas again, including Thomas' idea for speeches at a wedding or funeral, and Lily's idea about a group of people being trapped together in a room and only being able to leave if they tell the truth. In the end, we decided to combine the most popular ideas, which were Lilia's idea about a group of ghosts trapped in a house and finally set free to explore the world, coming back to tell their stories, and Elsie's idea about everyone having the time it takes for a candle burns down to tell their story. We combined these with the idea that the ghosts would each have the time it takes for a candle to run out to tell their story, and when the candle burns out, they're set free (so when crafting their stories, they can think about where they want their story to end/break off!)
Next week, we'll be polishing up these stories and frame stories, ready for the showcase - we're very excited!


2C2B | Represented Theatre Co.
To promote creativity through the creation and exposure of new vessels of artistic expression. Join the union!
Follow Us on Twitter @rep_radio and @represented – Find us on Facebook and Google+ – Stay Tuned! REP RADIO is On The Air!
Continue reading "Civil War Voices – WST3"
Continue reading "The Winter's Tale – Curio"
Continue reading "Untitled – Inua Ellams – Inis Nua"
A Broad Street Review hang.
Continue reading "The God Project"
Continue reading "Among The Dead – Theatre Exile"


The biggest defence fleet deal in more than 20 years has attracted a group of five vehicle makers.
The Ministry of Defence (MoD) is inviting tenders for a £1.4 billion contract to supply 8,500 trucks for the armed forces.
The bid is split between three UK manufacturers - Leyland Trucks, MAN Truck and Bus and Mercedes-Benz - and Stewart & Stevenson and Oshkosh, both from the US. The order covers on- and off-road vehicles.
The contract is to be awarded this autumn. The first vehicles will enter trials in 2005 before going into service a year later.
An MoD spokesman said the purchase benefited from more efficient tendering through the newly created Defence Procurement Agency (DPA).
"We are going straight to the invite-to-tender stage, greatly reducing time by taking away the assessment phase," he said.
• Union leaders are calling on the MoD to bring forward orders for helicopters after supplier Westland cut its workforce by a fifth. The newly merged Amicus union will meet ministers to discuss the firm's options after it announced 950 job cuts last week.


Student interest in creating a greener and more sustainable future has never been higher. Our urgent societal employment and environmental challenges have fueled this student interest. In response to student demand, Princeton Review now ranks colleges on their green and sustainability initiatives. Green and sustainability focused curricula are showing up as new majors, minors, degrees, certificates, and continuing education programs in higher education. Over 1800 interdisciplinary environmental and sustainability programs now exist in higher education within the United States, according to a study recently conducted by the National Council for Science and the Environment. Furthermore, according to the college graduate-focused job resource, MonsterTRAK (now MonsterCollege), 80% of young professionals would like to work in a green job. Career development professionals are uniquely well positioned to respond to this increasing demand.
Green and sustainability jobs go beyond the solar designer or the wind generator installer that many people characterize as a green job. Green jobs are defined by the Bureau of Labor Statistics as jobs…that produce goods or provide services that benefit the environment or use fewer natural resources. This means that any job where the people are making decisions about what resources to consume are green jobs, from simple items like ordering office supplies to complex product development.
Green jobs are a subset of sustainability jobs. Sustainability jobs and careers are about implementing the "triple bottom line of sustainability". The triple bottom line is often described as "people, planet and prosperity" or "environment, equity and economy". Whatever the choice of words, sustainability is about making smarter decisions so our society can have healthy ecosystems, improved quality of life, and vibrant economies. Sustainability jobs span all types of companies, non-profits and government entities, and encompass a very large realm of environmentally and socially responsible professional career pathways.
Students need information about both career pathways and job openings. Three networks, the Higher Education Associations Sustainability Consortium (HEASC), the Disciplinary Associations Network for Sustainability, and the US Partnership for Education for Sustainable Development have worked with multiple HEASC Sustainability Fellows to compile a listing of resources. These networks are made up of over 42 national higher education associations and all have been requesting quality information on green and sustainability career pathways and job openings. The Fellows have therefore compiled a listing of over five dozen sources of information for use on campuses across the country. These resources will be also updated regularly. This easy to read document includes both job boards and career pathway resources that can help students explore which green and sustainability careers they are interested in, what competencies are desired for different career pathways, and what jobs are presently available both locally and nationally.
student life and residential life staff.
The national trend in higher education regarding sustainability has made clear that each academic discipline has a unique and important perspective to bring to the creation of solutions to our shared sustainability challenges. There are career pathways in sustainability from each academic area so it is important that faculty and academic advisors are aware of these sustainability resources. Oftentimes they are the ones who have to first respond to a student's interest in sustainability. Academic associations have recognized this (see Participating Associations at http://dans.aashe.org/content/participating-associations) and are increasingly posting sustainability resources on their own sites, but the career resources are often overlooked, so sharing them internally on campus with faculty and staff can be very useful.
Furthermore, student life activities and residential life activities are often related to sustainability (see the resources page at http://heasc.aashe.org/content/heasc-resource-center), yet the career resources are often not connected, so sharing this link with student life and residential life staff could be very helpful.
This listing provides just a partial introduction to the many sustainability jobs presently in the marketplace. Job searches regularly provide hundreds of openings in any given region, and some of the more exciting sustainability jobs (e.g. ride sharing platform designers, local currency and time banks, deconstruction business owners, micro-financing developer) are being created by graduates as they see the community's needs. Career advisors are uniquely suited to help students in any academic discipline envision and find pathways to a more sustainable future for all.
Debra Rowe, Ph.D., is the President of the U.S. Partnership for Education for Sustainable Development. She is also co-founder of the Higher Education Associations Sustainability Consortium, founder/facilitator of the Disciplinary Associations' Network for Sustainability, Senior Fellow at Second Nature, and Senior Advisor to the Association for the Advancement of Sustainability in Higher Education. She has also been professor of energy management, renewable energy, and sustainable products for over 30 years at Oakland Community College in Michigan. Debra presently chairs the Technical Advisory Group and the Green Jobs Policy Community of Action for the American Association of Community Colleges (AACC), where she is also a U.S. Designee to the World Federation of Colleges and Polytechnics' for their international sustainability group. She is often a keynote speaker at national and international education conferences and is the author or editor of numerous publications. Debra may be contacted at dgrowe@oaklandcc.edu.
I am glad to read this article. It is a need of an hour to conserve the best career culture for next and coming generations. It is a moral responsibility of everyone of our generation. Hope it will grow as a concept with sustainable solution.
I'm pleased to see an article on this topic.
Great work as always, Debra. Will be very useful.
Employer based groups like the NE Clean Energy Council (www.cleanenergycouncil.org) are also a good source of career information.
I am glad to find this article. As international student, it was hard to find careers that related to sustainability and also meet my interest. This will help my further research in the future. Thank you.
I learnt so many things from here. I feel great. Thanks Debra for the great contribution. I being a matured development professional always wish to be connected to such organisations and youth mass in particular to motivate them towards green energy, sustainable food and livelihood security and application of appropriate technology for sustainable development. Lovely write up and great going.


text:
Q: How to make ticks shows in D3 I am making a line graph and I can't get all the tick marks to display properly with d3. I am using a linear scale but I can only see the first and last tick but nothing in between. The labels are being shown in between but not the tick marks.
What would cause this?

redpajama_set_name: RedPajamaStackExchange


text:
Marta C. Fabrykowski, OD, FAAO-Manhattan Eye, Ear, and Throat Hospital in New York City
By Vernon Trollinger
Optometry Times JournalVol. 10 No. 07
Marta C. Fabrykowski, OD, FAAO, discusses impacts on health care, MBA at Yale, and slow cooking in the latest Optometry Times Q&A.
Where did you grow up?
In Winnipeg Canada. My parents are both professors. My father was a number theory and calculus professor; he was the director of the United States Math Olympiad Team. My mother is an early childhood education professor.
How did you get from art history to ocular disease?
I always knew I wanted to go in to healthcare, I just didn't love the idea of biology or physics. I preferred to take classes in something I could use conversationally with patients. In examining a patient, of course you use basic science, but you also are a person and talk to them about what they like to do. I knew I would be in a major metropolitan area and I really love art history, so it was a great merger.
What about research keeps you engaged?
The best approach for me is the best up-to-date on current strategies and standards of care. It's important see what other people are doing and how to improve it. Staying current in research can keep you the most up to date for your treatment of patients. Patients are very well versed in their care. They are advocates for themselves, so it's good to know what they're reading so you can explain what they have seen.
Why ocular disease?
I interact with people across the whole spectrum of health care: rheumatologists, internists, oncologists. We send cultures to labs, so I speak with lab technicians or PhDs doing research on some bacteria we happened to send a sample of. It's fascinating because it becomes a multifaceted approach which is where eye care is trending, and ODs are networking with primary-care doctors. But when you're dealing with disease, your focus is to talk to other practitioners and get a holistic version of the person.
Previous Q&A: Shalu Pal, OD, FAAO-Toronto, Ontario, Canada
Why a hospital practice instead of private practice or industry?
The hospital where I work is nonprofit, so that is vital. I always wanted to make an impact on health care in a way that enabled me to see patients in all walks of life, whether they're on Medicaid and uninsured or an Upper East Sider with a lot of insurance. I see patients from over the whole spectrum. Practitioners are salaried in the hospital, so there's less incentive for fee-for-service. If you are in a private practice, you take home what you bring in. Being in a hospital allows me to focus on patient care. I don't need to think about billing, marketing, or my schedule. We have departments that take care of that. I'm able to see my patients and then go home; the day-to-day things I don't need to worry about. Working in a hospital, I work with other specialists: cornea, medical and surgical retina, neuro-ophthalmology, glaucoma. Being in a hospital allows me interaction with all those special branches.
What's something your colleagues don't know about you?
How much I like to cook and how much I like to cook for a long time. Those recipes that say 6+ hours of preparation or 3+ hours of marinating plus 12 hours in a cooker. I like to dive into those and mix my own spice concoction. I'm efficient in the office, so it's an opposite hobby that's something low and slow.
Where do you see yourself in 10 years?
Hopefully with my optometry school debt paid off. [Laughs] I hope to make a large impact on non-profit health care and optometry/ophthalmology eye world. I'm seeing one patient at a time, and I'm talking to him about his insurance woes, medications that aren't covered, and how long it took to see me. I listen to this day-in, day-out, and I'm thinking wouldn't it be great if I could make larger decisions. What if there was a way I could call an insurance company and help make a decision that would help 100 patients or 1,000 patients. So, I hope my impact in 10 years is on making large brushstrokes and larger impact on health care.
Why an MBA from Yale?
In order to functionally lead or make an impact in business, you have to understand business. You have to understand operations, funding, and the structure of different companies. I don't know that well enough to make use of that knowledge and to make decisions. I can identify trends, but how does that impact health care, the business of health care, and the business of insurance? So, to move forward with being able to make a larger impact, I need much greater understanding. Yale is close to New York City. Because it is an executive MBA, it allows me to stay at the hospital full time. It is important to me to be able to stay in my current job to innovate while here. Health care is such a fluctuating and growing behemoth that being at work while learning is integral.
What would you advise a young OD who wants to follow your path?
My path is evolving. If their path is to work in a hospital and in ocular disease, I would say keep your interests in doing a residency. I became a Fellow of the American Academy of Optometry the year I finished residency, which was helpful for networking, so I recommend becoming a Fellow. If it's business-oriented things or healthcare on the whole, an MBA and other graduate programs will get you in that arena.
What's your guilty pleasure food?
What I feel guilty about is that I don't ever feel guilty about eating something. My mom taught us that whatever you feel like eating is probably what your body needs. I eat very healthy in moderation, most things. Maybe as I get older and my metabolism slows down, I'll have a different view and start feeling more remorseful. [Laughs]
Related Q&A: Jeffrey J. Walline, OD, PhD
What's something about optometry you'd like to change?
Can I say tuition costs? [Laughs] I had such a great experience at Ohio State. They integrated us with pharmacy and held mixers with other schools-it is important for professional schools to network with other healthcare providers. Maybe more interaction with more healthcare specialties while in school to build those foundational relationships. For example, we work closely with ENT here. We have patients who complain of eye pain in the area of the eye that ends up being a sinus problem. So, more interaction with the whole-body specialties would be helpful.
Do you have any regrets?
Like being 13 and not making the basketball team because I had no hand-eye coordination? [Laughs] Never doing a sport or being part of a dance team or anything. It is character building, and if you enjoy that in childhood you're more apt to do that later as an adult. I never really did that, which explain why I don't do it now. Athletics is something I would have changed. [Laughs]
What's the craziest thing you've ever done?
Accepting this job. I was in a fantastic ocular disease residency. Near the end of the residency, I spoke with our glaucoma specialist about job interviews, and he said "Let me make a few calls." He called to say, "I have a job for you, this is where you will go for your interview and tell them you want the job." I had no good options, so I came to the hospital and the office was not built. I was given a hardhat, and they walked me through this area with only beams and plywood. I said yes without seeing a practice and with meeting a only few of the doctors. I'm a risk-adverse person, but it was the first time I took a leap of faith and it worked out. Still here, my first and only job!


Thomas Masterman Hardy was to become one of the most famous Captain's in the history of the Royal Navy - as Flag Captain to Admiral Nelson he commanded Victory at Trafalgar in 1805 and was exhorted by the dying Nelson to 'Kiss me Hardy'. Hardy served as Flag Captain to Nelson from 1801 and was to rise to become First Sea Lord and Governor of Greenwich Hospital. He told Nelson that the success of their relationship lay in, 'my being First Lieutenant when you like to be Captain, and Flag Captain when you takje a fancy to being Admiral'.
Thomas Hardy was born in Dorset in 1769 and was educated at Crewkerne Grammar School before being sent to sea as in the brig Helena at the age of 12. He returned to land for some 9 months at Milton Abbas School before going to sea again in the Carnatic, again as Captain's servant. By 1790, Hardy was serving as Midshipman in Hebe where he was much liked by both superiors and messmates. Hardy was promoted Lieutenant in 1793 and transferred to Meleager, Captain George Cockburn. Cockburn was appointed to the command of the captured frigate Minerve in 1796 and took Hardy with him.
During the night of December 19th, 1796, Minerve and Blanche came across 2 Spanish frigates. Commodore Nelson in Minerve ordered Cockburn to attack. A fierce night action took place - although there were few losses aboard Minerve, some 150 of the Spanish frigate Santa Sabina were killed or wounded. The Captain of the Santa Sabina, Don Jacobo Stuart (great grandson of King James I of England [James 6 of Scotland]), came aboard Minerve to present his sword in surrender and Lts Culverhouse and Hardy were put aboard the Santa Sabina together with 40 seamen as prize crew. By next morning, Spanish reinforcements arrived and Nelson was forced to leave the Santa Sabina - Hardy, Culverhouse and the 40 seamen were captured.
The fortune of war put La Sabina into my possession, after she had been most gallantly defended: the fickle dame returned her to you, with some of my officers and men in her.
I have endeavoured to make the captivity of Don Jacobo Stuart, her brave Commander, as light as possible; and I trust to the generosity of your nation for its being reciprocal for the British officers and men.
I consent, Sir, that Don Jacobo may be exchanged and at full liberty to serve his King when Lieutenants Culverhouse and Hardy are delivered into the garrison of Gibraltar.
On 29th January 1797, Hardy and Culverhouse were delivered at Gibraltar aboard the Spanish ship Terrible. They rejoined Minerve which sailed from Gibraltar on 11th February, pursued by Spanish vessels. Shortly after leaving Gibraltar, a seaman fell overboard from Minerve. Hardy jumped into the jolly boat and was lowered into the water. In the strong currents he was soon far behind and in danger of being captured again by Terrible. Nelson, saying, 'by God, I'll not lose Hardy', ordered the sails of Minerve to be backed allowing the frigate to drift down on the boat. Unhappily no trace was found of the luckless seaman. With Hardy, boat and crew recovered, Nelson ordered sail to be made and the Minerve pulled away from Terrible. The faster Minerve was soon away from the Spanish ship and by nightfall was on her own.
That night (11/12 February 1797) saw Minerve sailing in fog. During the morning watch she found herself sailing through dark shapes in the night - which turned out to be the Spanish fleet. Minerve remained unseen by the sleeping Spanish lookouts and Nelson and Minerve passed safely through the Spanish fleet. By daylight, Minerve was again on her own and now Nelson was intent on finding Admiral Jervis with news of the whereabouts of the Spanish.
Nelson and Minerve found Jervis on 13th February. Nelson passed the news to Jervis who laid plans for the inevitable battle - the Battle of Cape St. Vincent.


0.2 mole of 3-chlorotoluene (m-chlorotoluene) is dissolved in a five-fold amount of dry carbon tetrachloride and is charged into a two-necked flask with a reflux condenser and a well-clamped dropping funnel. The dropping funnel should dip into the liquid in order to limit losses of bromine. The flask is heated to the boil and for each atom of hydrogen to be replaced there is added dropwise 0.205 mole of elemental bromine (bromine should be dried by shaking with concentrated sulfuric acid). During the bromination reaction, the mixture is irradiated with a 500-watt photolamp. The rate of addition of the bromine must be adjusted in such a way that the carbon tetrachloride dripping from the reflux condenser always remains practically colourless. The monobromination reaction takes about 30 min to 2 hours. The hydrogen bromide evolved is led through the reflux condenser, which carries a pierced stopper with a glass tube and PVC tubing, into an Erlenmeyer flask half-filled with water. The inlet tube should not dip into this but end about 1 cm over the surface of the water. At the end of the reaction, the irradiation is stopped. The cooled solution is rapidly washed with ice-water, then with ice-cold aqueous sodium bicarbonate solution, and again with ice-water, and is dried with magnesium sulfate, and the carbon tetrachloride is evaporated off in vacuo. The residue after the addition of a spatulatip of sodium bicarbonate is distilled in vacuo (b.p. 109°C/10mm) yielding 60% of 3-chlorobenzyl bromide (m.p. 17.5°C; 109-110 °C/12 mm; n20/D 1.588).


text:
Home for the Holidays: Campus Health Habits During the Break from an Unusual School Year
Insights | Home for the Holidays: Campus Health Habits During the Break from an Unusual School Year
Author: Chris Mihin, CBC, Vice President & Managing Principal
This school year is like no other – with COVID variants disrupting past mitigation measures, a flu season challenging weakened immune systems after months of social distancing and a rise in awareness of mental and emotional health needs, there is a lot to consider about your campus health. As the long Winter Break approaches, many health and wellness advocates on campuses are thinking about how to help students stay healthy on- and off-campus. Some of the top issues that come to mind include:
COVID-19 Vaccination, Testing and Masking
As students travel for the Winter Break, they'll spend time in areas of the country or world that may have more exposure to emerging COVID-19 variants. Many colleges and universities are enacting vaccination, testing or masking requirements, among other strategies to stop spread on campus.
As of late November, over 1,000 colleges or universities require COVID vaccination for on-campus students. Some encourage, but don't require, vaccination and use incentives: the University of North Dakota recently offered dining vouchers to any vaccinated student.
Policies continue to change during the "pandemic in flux" as case rates fluctuate and national and local mandates evolve. Kim Baker, ACSM EP-C, Director of University Wellness at Northern Kentucky University (NKU), emphasized the need to stay vigilant and keep campus health a priority, "We do our best with the information we have, drawing from national and local experts on campus and encouraging students, faculty and staff to do all they can to stay safe."
COVID-19 testing is another way to protect your students, faculty, and staff from encountering the virus. Some institutions, such as Penn State, are not requiring vaccination but mandate non-vaccinated students to undergo regular testing. Access to COVID-19 testing is important regardless of your campus's vaccine mandate status, especially for international students who may need testing to travel home for the holidays.
Masking mandates are another measure many are using to keep COVID-19 at bay. This extra layer of protection cuts down on spreading the COVID-19 virus and lessens the spread of the flu and common cold.
Regardless of what methods your campus uses, make it easy for students to comply with any mandates or recommendations. Ensure COVID-19 vaccination and testing is available on or near your campus and covered by your Student Health Insurance Program (SHIP). For example, Northern Kentucky University (NKU) partnered with a local lab to offer COVID-19 testing on-campus for all students, faculty and staff. Other methods include offering free masks in high-volume areas like rec centers and cafeterias and adding additional protection from illness with SHIP-covered flu shots on or near campus.
Mental and Emotional Wellness at Home
The COVID-19 pandemic has impacted everyone, and your students are no exception. At NKU, Kim Baker noted that a study from NKU's Office of Health, Counseling and Student Wellness found "Student mental health support requests increased by roughly 18% in 2020, with further expansion predicted." While much has been done to address the ways COVID-19 exacerbated the mental health crisis on campus, there is still more to do. As students leave campus, how can you ensure they bring the mental and emotional health tools they have on campus with them?
Start by offering multiple ways for students to engage with mental health resources. Provide telehealth opportunities and peer group counseling, and give access to gamified learning options that help keep a check on mental health. The more ways students can access resources, the better. NKU recently participated in the Healthy Minds Study, a national endeavor developed to generate data on the most effective ways of investing in the mental health of college students, to identify campus needs.
As a result of the Healthy Minds study, NKU is actively adding resources for students, "Our Mental Health Advisory Group has focused on early, ongoing support," said Kim Baker. "Along with offering counseling sessions in-person at our Office of Health, Counseling, and Student Wellness, we adopted telehealth tools to increase access to resources for waitlisted students and reach distance and online learners." She added, "We've seen continued growth in demand for these services. To remove barriers to access, NKU is waiving all counseling fees and training students to recognize warning signs in themselves and others." NKU recently adopted a program to train students to be active peer support specialists. The program, run by a licensed mental health professional, aims to train as many as 60 students by the end of the school year.
Beyond these tools, you can also empower faculty and staff to address student mental health needs better while managing their own needs too. The faculty and staff at NKU are well-equipped with workshops to help them recognize signs in students, co-workers, and themselves. "We've focused on training our faculty and staff, including our campus police and EMS, in 'mental health first aid.' The more people who can provide front-line, early intervention, the better," Kim Baker said of the program.
A COVID-era report from Boston University's School of Public Health showed two out of ten professors said "supporting students in mental or emotional distress" took a toll on their own mental health. Students are more likely to turn to the professors they see every day for help, so you need to equip faculty and staff to handle this weight. Professional development and other training, as well as access to phone, online, or in-person counseling, can help your faculty and staff feel ready when a student comes to them with concerns. At NKU, staff and faculty are always-ready with resources, "All our staff and faculty have a Gold Folder detailing all our resources, including how to determine the best route for any situation they encounter," Kim Baker said "I'm looking at mine right now. It's a great way to stay ready to help at any time."
Make a Plan with HORAN Campus Health
No one could predict what this school year would look like, but you can be prepared for whatever uncertainties lie ahead with the HORAN Campus Health team. Our consultants work with you to coordinate your campus's health resources, connect you with our proprietary health partnerships and work to ease the administrative burden so you can focus on your big-picture goals.
We're more than your guide to the best health insurance options for your campus; we're your committed health team working to serve the diverse needs of your unique campus community. Let us quickly guide you to the best options for you: fill out a simple contact form or get in touch with Chris Mihin, Vice President and Managing Principal of HORAN Campus Health, at ChrisM@horanassoc.com or 513.702.3707.