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Government response to Natural Disaster Insurance Review (NDIR) Recommendations
Government's Response to Natural Disaster Insurance Review (NDIR) Recommendations 377.96 KB
The Natural Disaster Insurance Review presented its final report to the Government on 30 September 2011. The report makes 47 recommendations in 4 broad areas and the Government's response is set out below.
First, 27 recommendations relate to mandatory flood insurance and the flood reinsurance pool. The Government considers that adoption of these recommendations could have potentially significant implications for some homeowners and for all insurers offering home building insurance, as well as material financial implication for the Commonwealth Government.
The Government will, therefore, consult with relevant stakeholders so as to clarify these implications through a consultation process next year. The Government will consider these recommendations further in light of these consultations, and the earlier consultations on the proposal to mandate that insurers offer flood cover while allowing consumers to opt out.
Second, 6 recommendations relate to handling of claims and dispute resolution and ask the insurance industry to review the General Insurance Code of Practice. The Government has asked the insurance industry to examine these recommendations and advise the Government of its response by the end of February.
Third, 5 recommendations relate to improving consumer awareness including recommendations endorsing the standard definition of flood as set out in the 'Reforming flood insurance: Clearing the waters' consultation paper, and inclusions to the Key Facts Sheet.
Finally, the remaining 9 recommendations relate to specific, ad hoc issues.
Natural Disaster Insurance Review recommendations
Government's Response
Chapter 2: The availability of flood insurance for homes
Recommendation 1: That all home building insurance policies include flood cover. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 2: That home building and home contents insurance should not be made compulsory. The Government does not intend to make either home building or home contents insurance compulsory.
Recommendation 3: That in including flood cover in home building insurance policies:
flood-specific sub-limits not apply; and
any excess that applies to flood cover be commensurate with that applicable to other insured perils.
Early consultation will commence on the issue of insurers being required to offer flood cover and consumers being able to choose whether or not to purchase flood cover. A Consultation Paper is available from the Treasury website, and submissions are due 30th March 2012
This recommendation will be considered as part of this consultation.
Chapter 3: The affordability of flood insurance for homes
Recommendation 4: That the following five principles underpin the design of a system of premium discounts:
premiums should rise with the level of flood risk;
those whose homes do not face a flood risk should not pay a flood premium;
there should be no cross subsidisation of premiums between policyholders;
there should be some limitations on discounts to high-value homes; and
the discount mechanism should be simple for policyholders and automated for insurers
The Government notes that the Review recommends the introduction of flood insurance premium discounts for home buildings, home units and home contents, and that the Government guarantee payment of flood claims from a flood reinsurance pool that would provide the mechanism for the delivery of the discounts.
The introduction of flood insurance premium discounts would have significant implications for the provision of home building and home contents insurance. The Government guarantee on payment of flood claims would have potentially significant budgetary implications.
Given this, the Government will consult with relevant stakeholders and give further consideration to these recommendations following the consultations.
Recommendation 5: That flood premium discounts be provided for home building insurance for eligible homes:
the discounts be assessed by reference to an 'affordability threshold' for flood premiums;
only existing homes would be eligible for discounts; and
discounts would be phased out gradually over time.
The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 6:The levels of the discounts and the phasing out periods be reviewed from time to time. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 7:That there be limitations on the size of the discount available to high‑value homes. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Chapter 4: Flood insurance for other dwellings
Recommendation 8: That all home unit insurance policies include flood cover, in the same manner as for homes. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 9: That flood premium discounts be provided, in the same manner as for homes, to the bodies corporate of eligible properties, and on the same basis as for detached homes. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 10:That the definition of a home for the purposes of flood cover and flood premium discounts be any building for which a homeowner purchases a home insurance policy.
This definition ensures that the Review Panel's recommendations would apply to all 'non-standard' types of homes such as manufactured homes and mobile homes insured under a home buildings insurance policy. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Chapter 5: Flood insurance for home contents
Recommendation 11: That all home contents insurance policies include flood cover. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 12: That discounts be provided, in the same manner as for homes, to home contents insurance policies for eligible properties. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Chapter 6: Flood insurance for small business
Recommendation 13: That all insurers offering small business insurance be obliged to include flood cover on an opt-out basis, instead of an opt‑in/o
pt-out basis as at present, in all of their small business package policies. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 14: That flood premium discounts not be provided to small businesses and that the reinsurance facility not offer reinsurance for small businesses. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 15: That the questions of flood cover as standard in small business policies and access to discounted premiums for small business policyholders should be revisited once the recommended arrangements for homes, home units and home contents are in place. The Government will consider this recommendation as part of its consideration of the manner in which flood cover should be offered to small business and the provision of flood insurance premium discounts more broadly.
Chapter 7: A flood premium discount and reinsurance system
Recommendation 16: That flood premium discounts be delivered through a model that requires insurers to retain and price a portion of the risk with the remainder to be ceded to the reinsurance facility at a discounted reinsurance premium. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 17: That for home building insurance policies receiving full discounts, policyholders pay for that portion of the risk retained by the insurer and pay nothing for the remainder of the risk up to $500,000. For properties with a value greater than $500,000 policyholders then pay the full cost of the portion of risk exceeding $500,000. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 18: That for body corporate insurance policies receiving full discounts, policyholders pay for that portion of the risk retained by the insurer and pay nothing for the remainder of the risk up to $500,000 times the number of units. For properties with a value greater than $500,000 times the number of units policyholders then pay the full cost of the portion of risk exceeding $500,000 times the number of units. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 19: That for home contents insurance policies, policyholders pay for that portion of the risk retained by the insurer and pay nothing for the remainder of the risk up to $100,000. For contents with a value greater than $100,000 policyholders then pay the full cost of the portion of risk exceeding $100,000. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 20: That homes at high and extreme risk of flood be provided with discounts initially and that they be assessed regularly for mitigation work already undertaken and the potential for further mitigation. The Government will consider this recommendation as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 21: That a flood risk reinsurance facility, or reinsurance pool, be established which would have two primary functions:
to deliver discounts to home, contents and home unit insurance policies for eligible properties; and
to provide flood reinsurance capacity to the insurance market; and two key design features:
an excess of loss arrangement whereby insurers retain and price a 'first loss' portion of each policy on a commercial basis; and
a 'facultative/obligatory' reinsurance treaty that would allow insurers to cede individual properties to the pool if they wish (facultative offer) but the pool would be obliged to accept them (obligatory acceptance).
The Government notes the recommendation and that it represents one possible approach to the delivery of flood insurance premium discounts and to facilitating the provision of flood cover by insurers.
This recommendation will be considered as part of the broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 22: That the Commonwealth Government guarantee payment of claims from the reinsurance pool by ensuring that, whenever a funding shortfall occurs in the pool through claims exceeding the funds held in the pool, the Commonwealth would meet the shortfall. The Government notes that while guaranteeing payments of claims would ensure the financial viability of any flood reinsurance pool, it would also have potentially significant budgetary implications.
The Government will consider possible funding sources as part of its broader consideration of the introduction of flood insurance premium discounts following a consultation process in 2012.
Recommendation 23: That the Commonwealth seek reimbursement of some portion of the shortfall from the State or Territory government in whose jurisdiction the flood occurred. The Government will consider possible funding sources as part of its broader consideration of the introduction of flood insurance premium discounts, and this will include consultation with State and Territory Governments.
Chapter 8: Improving flood risk management
Recommendation 24: That to facilitate flood risk information being made publicly available, Commonwealth, State and Territory governments grant indemnities to the providers of flood risk information if the information is obtained and provided in good faith and in the absence of any gross negligence. The Government will consider this matter and consult with relevant parties, including State and Territory governments.
Chapter 9: A national disaster risk and insurance agency
Recommendation 25: That a national agency sponsored by the Commonwealth Government be established to undertake national coordination of flood risk management and to operate the system of premium discounts and the flood risk reinsurance facility.
The Agency would:
coordinate flood mapping across the country (while leaving responsibility for undertaking flood mapping in the hands of State and Territory governments and local authorities);
introduce national guidelines for flood risk mapping and classifications, prepared in consultation with producers and users of flood risk information;
act as a national repository of flood risk information, primarily through collating and analysing information collected by others;
continue development of the Insurance Council of Australia's National Flood Information Database or an equivalent developed by the Agency;
monitor the effectiveness of flood risk mitigation initiatives across the country and advise on priorities for flood risk mitigation;
publish and disseminate flood risk information in forms appropriate to various groups of users; and
oversee the quality of flood risk information.
The Government supports the need for better coordination of flood risk information and the improved public availability of this information. The Government will provide for a central national access point (or 'shopfront') for all existing flood risk information.
The Government will consult with relevant stakeholders on other elements of this recommendation, including the need for national coordination of flood risk management. This will include consultation on appropriate mechanisms for such coordination, were it to be considered appropriate.
Recommendation 26: That the Agency charge insurers a small administrative fee for each policy ceded to the reinsurance facility. The Government will consider this recommendation as part of its broader consideration of the appropriateness of establishing a flood reinsurance pool following a consultation process in 2012.
Chapter 10: Other natural disasters
Recommendation 27: That:
the Agency offer cover to insurers for cyclone risk, on the same basis as for flood risk, but with no affordability discounts (in the expectation that, when the Agency does its own pricing, it will offer a fair price to home and home unit owners. This price may be lower but is not guaranteed to be lower than the prices of commercial insurers); and
an investigation be undertaken to ascertain whether there is a basis for granting affordability discounts for cyclone risk, along the lines of the recommended flood insurance discounts, for homes and home units in northern Australia.
The Government is aware of home building and strata title insurance premium increases in Northern Queensland following cyclone Yasi.
The Government will consult with the insurance industry on the causes of premium increases and options available.
The Government will consider this recommendation as part of its broader consideration of the appropriateness of establishing a flood reinsurance pool following a consultation process in 2012.
Recommendation 28: That all home, contents and home unit insurance policies cover the policyholder for storm surge, tsunami and landslide, where the storm surge, tsunami or landslide is the result of another event that is covered under the policy and regardless of whether the insured property directly suffers damage from the underlying insured event.
This includes storm surge associated with a cyclone that does not cross the coastline. The Government has announced a Productivity Commission review examining barriers to effective climate change adaptation.
The review's Terms of Reference include that the Commission is to assess the role of markets (including insurance markets) in facilitating adaptation.
| The Government will be guided by the findings of the Productivity Commission review when considering this recommendation.
Chapter 11: Addressing non-insurance
Recommendation 29: That the Commonwealth engage with the insurance industry and the States and Territories in planning for the future coordination of charitable and government payments to individuals to assist with recovery after future natural disasters. The Government acknowledges the importance of insurance and charitable and government payments in assisting communities to recover from natural disasters.
The Government will consult with State and Territory governments in the first instance to review and identify better practice coordination and governance mechanisms for charitable and government payments.
Recommendation 30:That access to insurance be enhanced through the development of alternative payment options, in particular:
by the Commonwealth Government arranging for Centrelink customers to be able to pay insurance premiums fortnightly through Centrepay; and
by State, Territory and/or local governments and community housing organisations arranging insurance premiums for contents to be able to be incorporated into rent for social and community housing tenants.
Centrepay was specifically designed for deductions to be made from a customer's fortnightly payment. Centrelink commenced offering the payment of home and contents and motor vehicle insurance premiums through its Centrepay payment facilities earlier this year.
Insurance companies wanting to offer Centrepay as a payment option can contact Centrelink to request the required Business Application and Contract documents. However, the insurance industry has identified a number of obstacles which limit insurance companies from accepting fortnightly payments through Centrepay.
Additionally, there are a number of other issues which arise from fortnightly Centrepay insurance premium payments. Consequently, Centrelink and the Insurance Council of Australia have agreed to work together to consider these issues and provide a report to the Government with recommendations by 28 February 2012.
Rent setting for social housing is the responsibility of State and Territory housing authorities and similarly for community housing providers.
Therefore, it would be up to the individual community housing provider or State and Territory housing authority to enable insurance premiums to be incorporated as part of rental payments.
The Commonwealth Government will alert State and Territory Governments to this recommendation.
Recommendation 31:That lending institutions remind mortgagors annually of their obligations to hold home insurance and of the risks of under-insurance in order to minimise non-insurance and under‑insurance of homes. The Government has asked the lending industry to examine this recommendation and advise the Government of its response by the end of February.
Chapter 12: Reducing under-insurance of homes
Recommendation 32:That all home building insurance policies providing sum insured cover be modified by the end of 2014 so as to include replacement value cover in the event of total loss of the home.
That during the transition period insurers consider how the design features of home building replacement value policies should respond following a natural disaster, including the conditions under which cash settlements are to be offered and finalised. The Government has asked the insurance industry to examine this recommendation and advise the Government of its response by the end of February.
Chapter 13: Consumer Awareness
Recommendation 33:That subsection 35(2) of the Insurance Contracts Act 1984 be amended so that policyholders are not deemed to be clearly informed of a deviation from 'standard cover' by simply being provided a copy of the insurance policy or product disclosure statement. Disclosure of insurance policy terms is a key element of the current disclosure regime. The Government is further strengthening that regime through the introduction of a Key Facts Sheet and a standard definition of flood.
The Key Facts Sheet, which insurers will be required to provide to consumers in addition to existing disclosure documents, will set out key information relating to home building and home contents insurance policies. This will significantly improve consumers' access to the key information relating to these types of policies.
The Government is also introducing a standard definition of flood that all insurers will be required if the word flood is used in their home build, home contents, small business and strata title insurance policies. This will reduce confusion as what the word flood means in these types of policies. These initiatives will further enhance transparency and disclosure.
Recommendation 34:That, in endorsing the Government proposal for a
Key Facts Statement, the Key Facts Statement list replacement cover and all natural disaster events, identified as 'standard cover' in the Insurance Contracts Regulations 1985.
That insurers issue a Key Facts Statement to policy holders with all new policies written and all policy renewals on an annual basis. The Government considers that the introduction of a Key Facts Sheet for home building and home contents insurance policies in accordance with its proposal will improve access to key information for consumers when making insurance decisions.
The format and content of the Key Facts Sheet will be finalised after consultation with all relevant stakeholders, to ensure the proposal achieves its policy outcomes.
Recommendation 35: That a 'health warning' be provided by insurers to the purchasers of home and contents policies that do not include full flood cover or full replacement cover. The health warning should be provided:
in the Key Facts Statement;
verbally at the time of telephone purchase; and
in writing on internet quotation software for all online purchases.
The Government considers that the introduction of the Key Facts Sheet for home building and home contents insurance policies in accordance with its proposal will improve access to key information for consumers when making insurance decisions.
The Government will consult with relevant stakeholders on the need for and feasibility of providing a health warning in these circumstances.
Recommendation 36: The Government considers that the introduction of a standard flood for home building and home contents, small business and strata title insurance policies in accordance with its standard definition of flood proposal will reduce consumer confusion regarding what is and is not included in flood coverage.
That the Commonwealth Government introduce a standard definition of flood in the form proposed in the 'Reforming flood insurance: Clearing the waters' consultation paper. Draft regulations for a standard definition of a flood will be released for consultation as soon as possible to ensure it achieves its policy outcomes. These regulations will contain wording for the standard definition of flood for riverine flooding (category B) consistent with the form proposed in the 'Reforming flood insurance: Clearing the waters' consultation paper.
Recommendation 37:That, in order to give general insurance policyholders the same legal remedies as other consumers, unfair contract terms laws be applied to general insurance. The Government is preparing a consultation Regulation Impact Statement on this matter which will be publicly released in due course.
Chapter 14: Claims handling and dispute resolution
Recommendation 38:That every APRA-authorised general insurer adopt and comply with the General Insurance Code of Practice. The Government will consult with the insurance industry on compliance with the Code of Practice.
Recommendation 39:That the Insurance Council of Australia amend the Code of Practice to impose a four month time limit (subject to exceptional circumstances) to make a determination as to liability and the nature of the loss or damage with respect to a claim.
That, should a claimant not receive a determination within the four month period, the claim be automatically escalated to an internal dispute resolution complaint and the insurer notify the Code Compliance Committee of the breach of the Code. The Government has asked the insurance industry to examine this recommendation and advise the Government of its response by the end of February.
Recommendation 40: That the Insurance Council of Australia repeal clauses 4.3 and 4.4 of the General Insurance Code of Practice, so that claims arising from natural disasters are subject to the same minimum standards as other claims — including the four month time limit for a determination on liability and the nature of the loss/damage with respect to the claim. The Government has asked the insurance industry to examine this recommendation and advise the Government of its response by the end of February.
Recommendation 41: That the Insurance Council of Australia amend clause 4.5 of the General Insurance Code of Practice to extend the time within which claimants in natural disasters have the right to make further claims or lodge reviews after the finalisation of an initial claim to seven months from the date of the relevant natural disaster, regardless of when the initial claim was finalised. The Government has asked the insurance industry to examine this recommendation and advise the Government of its response by the end of February.
Recommendation 42: That the Insurance Council of Australia amend the General Insurance Code of Practice to require that:
internal dispute resolution processes be independent of the claims handling department and the internal dispute resolution officers have the authority to overturn the original decisions and to accept claims;
internal dispute resolution complaints be finalised within an aggregate of 45 days and if this time limit is not met, the insurer to advise the claimant of his or her right to lodge an external dispute resolution complaint with the Financial Ombudsman Service (if applicable) and to seek independent legal advice;
time limits on internal dispute resolution complaints commence immediately after a policyholder notifies the insurer of a complaint, whether verbally or in writing; and
a general fairness test be applied to claims and complaints handling.
The Government has asked the insurance industry to examine this recommendation and advise the Government of its response by the end of February.
Recommendation 43: That the Insurance Council of Australia amend the General Insurance Code of Practice such that the General Insurance Code Compliance Committee:
be appointed in the same manner as FOS Panels, with the independent chair and the consumer and industry representatives to be appointed in the same manner as the ombudsman and panel members are appointed under the FOS rules;
have the authority and resources to record all breaches of the Code reported to it, to investigate breaches of the Code where appropriate and to conduct regular audits of insurance companies for compliance with the Code;
report serious or systemic breaches of the Code directly to ASIC; andd) publicly release annual reports as to Code compliance and breaches, with insurers to be identified in the reports.
On 43 (c), when consulting on this matter the Government will take into consideration the existing role of the Financial Ombudsman Service in reporting breaches of the Code of Practice.
Recommendation 44: That ASIC conduct a review of the General Insurance Code of Practice three years after the amendments recommended to the Code in this Review are implemented, in order to assess the effectiveness of the Code with a view to determining whether an ASIC Regulatory Guide for claims handling should then be introduced. In the event that amendments are made to the Code of Practice in response to the recommendations of the Review, the Government will consider the need to undertake an assessment of the effectiveness of the revised Code
Recommendation 45: That the Commonwealth and State governments provide funding for legal advice and assistance with insurance disputes following natural disasters. The Australian Government recognises the importance of coordination in ensuring an efficient and effective response.
It will work with States and Territories to ensure that appropriate legal assistance service are available following natural disasters.
Chapter 15: Funding the rebuilding of public infrastructure
Recommendation 46: That the current formula for the cost of rebuilding of State and Territory assets under the Natural Disaster Relief and Recovery Arrangements be changed to expenditure before any insurance recoveries by the State or Territory rather than net of any insurance recoveries. The Government notes that the recommendation is consistent with a key principle of the current arrangements under the Natural Disaster Relief and Recovery Arrangements (NDRRA) Determination. That is, that they should not be seen as a disincentive to plan, mitigate or allocate resources for natural disasters nor discourage governments, individuals or businesses taking out insurance to protect their assets.
However, there is a need to further consider the broader implications of changing the formula.
Chapter 16: Implementation and transition
Recommendation 47: That the Government give priority to introducing legislation necessary to ensure that all home, contents and home unit insurance policies include flood cover and to establish a new national agency for flood risk management and flood reinsurance purposes. In the event that the Government adopts recommendations that require legislation, priority will be given to introducing that legislation.


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SHARP NEW LIVERY REVEALED FOR TEAM BMW…
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BMW swept aside the spray at a wet and windy Brands Hatch on Sunday 15 November to secure a fifth consecutive Manufacturers' title in the British Touring Car Championship, as Team BMW similarly snared the Teams' spoils at the end of another hugely successful campaign.
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BMW RETURN TO PREMIER MOTOR RACING….
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TEAM BMW CONFIRM COLIN TURKINGTON FOR 2019
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Team BMW have today confirmed that triple BTCC Champion Colin Turkington will return to the British Touring Car Championship to defend his 2018 crown.
TRIPLE BRITISH CHAMPION ENTHRALS BELFAST CROWD…
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Tonight (Friday 7 December) three-time British Touring Car Champion, Portadown's Colin Turkington, enthralled hundreds who had gathered at Bavarian BMW in Belfast to hear first hand, how he clinched this year's BTCC title.
PORTADOWN MAN CROWNED THREE-TIME BRITISH CHAMPION…
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The 2018 Dunlop MSA British Touring Car Championship – the Diamond Jubilee year of the UK's premier motorsport series – drew to a close at Brands Hatch today (30 September) with Team BMW's Colin Turkington from Northern Ireland crowned champion for the third time in his career.
60 YEARS OF THE BTCC TO BE CELEBRATED…
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Teeth which have sustained heavy damage to the visible part of a tooth (natural clinical crown) can often be repaired with filling material and placement of structural pins. The combination of modern dental adhesives and pin retention can produce a durable restoration; however ideal tooth shape and improved strength, and superior fracture resistance may be achieved by placing a crown or onlay on the tooth.
An onlay is a type of cusp-covering dental restoration that is made in a laboratory by a skilled technician, or by a computer controlled milling machine. Onlays can be made of ceramic, composite resin, gold, titanium or other metals. Metallic onlays are generally cemented (glued) onto the tooth, at a separate appointment from the tooth preparation appointment.
Ceramic and composite resin onlays are generally bonded (fused with adhesive) onto the tooth, either at the preparation appointment (if CAD/CAM is available for ceramic onlay production) or at a second appointment (more commonly the case). If you need two appointments, it will often mean having to numb the tooth at both appointments, and having a temporary restoration placed between appointments.
Onlays are like crowns, in that they afford protection against cracking to the tooth; but they're more conservative in the amount of natural tooth structure that needs to be removed to make room for them. They're also similar to inlays, except that they cover at least one of the pointed chewing cusps of the tooth.
When you have restorative dental procedures like onlays done, the dentist will review your health history. If you have replacement joints (for example, total knee replacement, hip replacement, etc.), you may be pre-medicated with antibiotics for the procedure. If you have certain types of heart murmurs or replacement heart valves, you may also need to take an antibiotic pre-medication prior to the procedure.
If you are anxious about dental procedures, your dentist may recommend sedating you for the procedure. There are several methods of relaxing patients for dental treatment, including oral anti-anxiety pills like Valium®; inhaled anti-anxiety medication like nitrous oxide; and intravenous anti-anxiety medication, such as Versed®. Your dental plan may not pay benefits toward sedation.
The following describes the typical onlay/partial crown preparation and laboratory process in detail. Your procedure may vary a bit from the procedure described.
The tooth to be restored is usually numbed by injecting local anesthetic around the nerve(s) that supply sensation to the tooth. Discomfort from the injection can be minimized by applying a topical numbing gel for a minute or two prior to the injection.
Frequently, a preliminary impression (mold) is made of the teeth before they are altered. The material used most for onlay/partial crown impressions is polyvinyl siloxane, a dimensionally stable and extremely accurate elastomer (meaning it's stretchy, but returns to the shape it takes when it cures after a minute or two). Other materials may be used. The impression can be used to make a temporary onlay for the tooth if the final restoration is being made in a laboratory (a process that can take a couple of weeks).
If the tooth is to be restored with a tooth-colored onlay/partial crown, a shade matching guide will be used to determine the shade of your natural teeth. The shade is generally matched in natural (full spectrum) lighting. Fluorescent lights can make teeth appear blue to grey; incandescent lights can make them appear more yellow. Dental porcelains and resins available today can produce a stunningly precise match for the shade and optical properties of your natural tooth enamel, often allowing a single restoration to be made that matches your teeth nearly imperceptibly.
The tooth is isolated from mouth structures like the tongue and cheeks to prevent injuries from instrumentation used to prepare the tooth. An isolation barrier known as a rubber dam or dental dam is frequently used, but there are other retraction devices in use. Some dentists may simply use cotton rolls and cheek shields.
The preparation margin is a ledge that is shaped into the tooth, against which the crown (or onlay) will seal.
The tooth is prepared by removing old restorative materials (if necessary), removing any decay, and (if necessary) filling in any deep holes or missing corners of the tooth. It may be necessary to place small metal (normally titanium) pins in the tooth to rebuild the portion of the tooth that will be covered with the onlay/partial crown. The dentist may use any of a variety of filling materials to rebuild the tooth, including composite resin, glass ionomer, and silver amalgam.
Core buildups are considered a separate, billable procedure from onlays/crowns. A distinction is made between buildups that involve all or a substantial portion of the core of the tooth, and those that require only a small amount of filling material in the core to build out a minor chip. It's a good idea to discuss with your dentist in advance whether a complete core build-up is going to be required or not to avoid unexpected costs.
Preparation of a badly damaged or decayed tooth for a crown or onlay is done with a tapered diamond bur (shaping point), which spins in a high speed dental handpiece using large amounts of cooling spray to avoid overheating the tooth.
The outer surface of the tooth is reduced in all dimensions (biting surface and sides) by 0.75mm to 3mm to make room for the material that will be placed on the tooth. The walls of the preparation are tapered to allow the onlay/partial crown to be slipped down over the tooth. Sometimes internal walls will be prepared in the tooth to provide inlay retention. A ledge (margin) is created around the circumference of the preparation against which the crown/onlay will be tightly sealed.
An impression of the prepared tooth and the teeth that bite against it is made, taking care to gently reflect the gum tissue away from the prepared tooth. Often, the dentist will place "retraction cord" in the trough between the gums and prepared tooth prior to making the impression. This clearly exposes the preparation margins. The cord will be removed after the impression is made.
If the final onlay or crown will be made in a laboratory, the impression that was made prior to preparing the tooth can now be used to make a temporary onlay/partial crown. This is done by filling the pre-impression with a gooey tooth-colored resin material, having the consistency of thick syrup, and placing it over the prepared tooth. The resin material will gel in about a minute, and the impression can be removed from the mouth. The material will completely harden in another minute or two. Once hardened, the temporary restoration will be trimmed to proper fit, polished, and cemented onto the tooth with temporary cement.
Cast Fabrication: the impression of the prepared tooth and the teeth that oppose it is poured with dental stone and allowed to harden into a cast of the teeth.
Die preparation and fabrication of a wax pattern: The cast of the prepared tooth (working die) is inspected closely for undercuts and any other irregularities. The technician will create a crown from wax using sculpture techniques. This wax pattern will be used in any of a variety of ways to produce the final restoration, depending on whether the onlay/partial crown is to be made of ceramic, metal, or a combination of those.
Production of the actual onlay/partial crown: Depending on which type of onlay/partial crown is to be fabricated, the restoration may be cast from a variety of metal alloys, pressed from ceramic, or made of ceramic fused to the metal alloy.
Finishing: Depending on which type of restoration is made, it may require metal finishing and polishing or (if ceramic) other staining and glazing procedures to make the tooth match the patient's natural teeth as closely as possible.
When your final onlay/partial crown is ready, a second visit is necessary to remove the temporary restoration and replace it with the permanent one. About half of the time, a patient will ask to be numb for the second visit, to avoid any discomfort associated with removing the temporary onlay and cleaning the temporary cement from the prepared tooth.
Teeth which have been endodontically treated (i.e. root canal) generally do not need to be anesthetized for the delivery of a permanent onlay/partial crown, although many dentists prefer the patient to be numb for the tooth preparation due to the potential for discomfort associated with soft tissue management (gum retraction, etc.).
The functional biting relationship (occlusion) of the onlay/partial crown may need to be adjusted slightly, and the restoration repolished. This should take just a minute or two under normal circumstances.


Noel Watkins, a storyteller and Biodanza facilitator who teaches across the northern counties was one of those who ignited the initiative to celebrate Rolando Toro Araneda's birthday in a special way in the UK in 2019. He chose the track 'Free as a Bird' by The Beatles to include in celebratory Vivencias (sessions) and contributed the heartfelt poetic post 'The Well of Life' below.
The image with accompanying quote is from Claire Pierce, a student with the London School of Biodanza. Thank you both!
Biodanza brought me to a new realisation of the sacredness of life.
I first encountered it at Dance Camp Wales 13 years ago when I went to a vivencia in a marquee on a grassy meadow lead by Guy Barrington and Fanny Vogelis.
And so began a transformational journey that has changed my life irreversibly for the better.
Biodanza has been a deep soul dive into the core of my being.
It's been a journey into my personal underworld and there in Hades Liar I discovered my treasure hidden in the darkness.
Like Orpheus I had to go there in search of something precious I'd lost and like that master of music I looked back when my faith failed me and so I had to live in torment a little longer.
Biodanza helped me understand my lost longing to explore "the soft animal of my body" and to be the ultimate source of creation myself … a father to a son I hold so very dear.
Biodanza gave me the courage to turn away from the easy path of compromise. It helped me trust in all that I can be as a peaceful warrior striding out along the road less travelled making precious friends along the way.
Rolando Toro Araneda… I danced with you … I saw your passion, I heard your wisdom… I offer you my deepest gratitude and I promise to continue your work especially in the realm of Education where you started your journey.
As you can see from Noel's profile, he has a particular vocation working with children and facilitates workshops and weekly classes in Huddersfield, Leeds and in other northern towns and cities.


text:
35% Rebate
To protect his brother-in law from a drug lord, a former smuggler heads to Panama to score millions of dollars in counterfeit bills.
Contraband is a 2012 action-thriller film directed by Baltasar Kormákur, starring Mark Wahlberg, Kate Beckinsale, Ben Foster, Caleb Landry Jones, Giovanni Ribisi, Lukas Haas, Diego Luna and J. K. Simmons. The film is a remake of the 2008 Icelandic film Reykjavík-Rotterdam which Baltasar Kormákur starred in. It was released on January 13, 2012 in the United States by Universal Pictures.
© Copyright - RVK Studios Þengilsbás 14, 112 Reykjavík, Iceland +354 515 0550
JAR CITY STRICTLY COME DANCING


Want to know what Jammer's Reviews looked like through the years? Below are each of the major site designs at a glance.
I unfortunately don't have the notes for this redesign as it predates my record-keeping. This version of the site established a black background with white text for the first time. Previously it was black text on a gray background.
The original vesion of this site (and I can't find an image anywhere in my records; it appears all the files were overwritten at the time of the 1997 redesign without taking a prior screenshot) was the ultimate in 1995 web layouts: black Times New Roman text everywhere, gray backgrounds (with a gray stone-like texture background image added at one point), no layout to speak of beyond the most rudimentary single-column spanning the full page width (which for most people was 640x480 or 800x600). You'll just have to picture it. Or better yet, don't. Because it was ugly. But it's where this whole thing started.


text:
Q: twig url condition multiple domain I have a multiple domain
I want in my twig file give a condition to my current domain.
I try :
 {% set path = app.request.getSchemeAndHttpHost() %}
 {% if(path == 'http://mysite.it/')%}
     <img src="{{asset('images/xxxx.jpg')}}" alt="profile image" class="circle z-depth-2 responsive-img activator">
 {% endif %}

But it doesn't work.

A: As the method name indicates getSchemeAndHttpHost() returns the current scheme (e.g. HTTP or HTTPS and the hostname). It does not contain the current request path. You need to access app.request.pathInfo for that information.
Maybe just getting the current route name is also sufficient for you. You can get it by calling app.request.attributes.get('_route').

redpajama_set_name: RedPajamaStackExchange


text:
iPhone 4S Price, Release Date and Specs (Sorry, No iPhone 5 Yet)
October 4th, 2011 by Paul Strauss
Another year, another iPhone. Apple today revealed the hotly-anticipated follow-up to its massively successful iPhone line up. While we were all hoping for the iPhone 5, we got news today that the new phone would be called iPhone 4S. But despite the addition of one small letter to the name, this new phone is loaded with improvements over the iPhone 4.
For starters, the iPhone 4S will come pre-loaded with the hundreds of new software improvements in the already announced iOS5 and free iCloud storage. It sports a speedy dual-core A5 CPU, which runs about 2x as fast as the old A4 in the current-gen iPhone 4, as well as 7x faster graphics. From what I can tell, these are the same specs you'll find on the iPad 2, but in a pocket-sized device. Of course, it still has the same sharp 960×640 Retina display found in the iPhone 4. But it offers other under-the-hood improvements including increased battery life (up to 8 hours talk time), improved call quality and antenna redesign, and data download speeds of up to 14.4Mbps on HSDPA connections. Apple claims this is just as fast as most "4G" phones, but I think it truly depends on the quality of your carrier. Speaking of carriers, the iPhone 4S is a single worldwide handset, supporting both CDMA and GSM networks, and will be released on AT&T, Verizon, and… drumroll please… Sprint when it hits stores later this month.
Perhaps the biggest improvement in the iPhone 4S over the iPhone 4 is the rear camera. As Apple is taking aim at upending the point-and-shoot camera market, they upgraded the built-in camera to 8 megapixels (from 5mp.) But that's just the tip of the iceberg. The new camera supports true 1080p HD video (at 30fps), and even has real-time image stabilization and temporal noise reduction for improving video quality. In addition, the camera incorporates a new, wider f/2.4 lens, an improved sensor with better light sensitivity and faster startup time. You'll be able to start shooting your first image after 1.1 second, and subsequent images can be shot in 0.5 seconds. The camera also incorporates face detection and automatic white balance. If you care to see just how impressive the photos are from the iPhone 4S, be sure to check out Apple's image gallery, which offers full resolution sample downloads.
Last, but not least, the iPhone 4S is the first phone to incorporate Siri – Apple's "intelligent assistant". This app lets you ask your iPhone questions and to perform tasks verbally, and Siri takes care of them. For instance, you can ask Siri "How is the weather today in Chicago?," "Read me my new notifications," or "Remind me to call mom on her birthday" and it'll take care of the rest. Siri can also provide restaurant recommendations, and do instant searches of Wikipedia and Wolfram Alpha simply by asking it a question. One of the coolest features of Siri is the voice-to-text dictation. Just speak at your normal pace, and Siri can transcribe it into text without a keyboard. Day one, Siri will ship with English, French and German support, but will eventually offer more languages. While I thought Siri might be available for all iOS devices with the release of iOS5, it's an iPhone 4S-only feature for now. Perhaps we'll see it on the iPad 2 at some point because it has the same chipset and performance.
Check out the iPhone 4S in action in Apple's official launch video below:
http://www.youtube.com/watch?v=SFfm2uQbaLM
Pricing for the iPhone 4S is as follows: 16GB $199, 32GB $299, 64GB $399 – with a 2 year phone contract – and it'll be available in both black and white versions just like the iPhone 4 used to (other than the new 64GB model, of course.) Apple will start taking pre-orders on October 7th, and the iPhone 4S will ship on October 14th. Full specs for the iPhone 4S can be found here. For those of you wondering when iOS5 will be available for your existing iOS devices, I'd keep an eye out on iTunes sometime late next week.
Diple Smartphone Microscope Review: A Bargain-Priced Optical Powerhouse
Gundam Fans to Get OPPO Smartphone
Meizu Zero is The Un-Holeyest of Smartphones
This Lightning Charger Requires No Cable
Motorola Moto Z3 Hands-on Review: Great Now, Even Better in the Future
Luma Adds a Tiny Lampshade to Your Smartphone
Ford Falcon Transformed into a Library Tank
Concepts from Future Past: 1979 Colani Sea Ranger


text:
F1 Spain
Who Will Dominate At F1's Test Bed?
Fraser Masefield
Race Recap: Bahrain
Just as Fernando Alonso dominated in China, so it was Sebastian Vettel's turn in Bahrain. The Red Bull driver took his second victory of the season with a commanding win ahead of the Lotus duo of Kimi Raikkkonen and Romain Grosjean. Starting from third on the grid, Vettel muscled past Alonso's Ferrari before passing pole sitter Nico Rosberg around the outside at turn 5, and stretched away, turning the race into a battle of pit stops.
Three proved to be the correct call for the defending champ, who finished comfortably ahead of two-stopping Raikkonen, with Grosjean snatching third from Paul di Resta in the closing laps to make the podium an exact replica of 2012. The race also threw up incidents aplenty for those behind the frontrunners; Alonso's rear wing twice got stuck open while using DRS, costing him valuable time in the pits to fix the problem and resulting in an eighth place finish.
And after the drama of the Webber and Vettel feud in Malaysia, McLaren teammates Jenson Button and Sergio Perez were at it in Bahrain, Button furious at Perez for bumping his car as the pair battled for fifth. "Banging wheels at 300 kph isn't something we do in Formula 1 normally, so it's a new thing for me," said Button afterward. "Maybe this is the way we go racing now, I don't know. But it's not the way I want to go racing. We'll have to have a little chat, I think, because I don't like banging wheels at 300 kph. That's dangerous."
The result means that Vettel now leads the drivers' standings by 10 points, ahead of Raikkonen with Lewis Hamilton a further 17 points behind heading into Spain.
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How Terror And Sand Will Affect The Bahrain Grand Prix
Why There's Going To Be A Whole Lot Of Drama At F1 Shanghai
Why Today's F1 Race Is Going To Be Crazy
Here Is Everything You Need To Know About F1
Watch The World's Best Drivers Compete Head-To-Head


Dominique Aegerter claimed his first grand prix win in a final turn showdown with Mika Kallio in Sunday's Sachsenring Moto2 race.
Dominique Aegerter claimed his first grand prix win in a final turn showdown with Mika Kallio during Sunday's Sachsenring Moto2 race.
It completed a dream weekend for the Swiss rider, who had taken his first pole position the previous day.
Hi Dominique, how's the hangover?
(Laughs) Yes, I think my voice is just starting to come back!
We had quite a celebration on Sunday night but when we came back to my home village, we had a huge celebration there too. I think there are only 1,000 people who live there but yesterday I think we more than doubled that.
I live in a small place called Rohrbach and I flew in there by helicopter as the guest of honour and we had music, drink and food all night. I had to do a bit of public speaking about how I got my victory and it was all a bit crazy.
It was so good to give something back to all the people who had supported me because I'd been a bit unlucky four times this year and it was great to finally nail a victory. It was particularly sweet because of the bad times I'd had at the previous two races.
My family have put so much into my racing, my father and brother were also there and those last few laps must have been terrible suffering for them.
A lot of people had been doubting that I'd get that first victory or that the Suter could win and I think I proved them wrong in the best way. I showed that I could fight with the best people in the world and win.
When was your last big win?
Well, to me my second place in Jerez was already like a win but in terms of a championship race, wow it's a long time ago. Maybe in the German championship in 2006 or something. But nothing since then when riding in the world championships.
I was nearly certain that Mika and I had the best rhythm for the race because of our pace throughout the weekend and I thought it would be between me and him.
I felt that if we could both make a good start then we'd both get away from the group and take it from there. When I was following him he was going at a really strong pace and my problem was that he didn't make a single mistake all the time I was following him.
It was a difficult race because he was faster than me in places and in others like the downhill I was a little faster and could get back on his tail again, it was always like this with small gains and losses. I could never breathe or relax. It was a tough race because I was at full, maximum every lap. It was a hard race both physically and mentally.
It may have been a little harder for Mika though because he was leading and I sometimes had a bit of slipstream so for some small moments I was able to back off a little more than him.
Our pace was very high because when you look at the other riders they were some ten seconds behind us so I think we were really on it.
Was the strategy to always take Mika at the end of the race?
It's difficult to say, because I was faster than him in some places and he was faster than me in others.
When I overtook him two or four laps before the end I actually tried to make a little gap on him, but he was so fast that it was impossible and he eventually got me back so it was really just a matter of getting him where I could. If I could have just passed him and moved forwards I would have done but his speed meant that I had to get him where I could.
At the last corner I just needed to make sure that I covered all the racing lines because I knew that the finish line was quite early so I knew he couldn't slipstream me. From that last corner I knew I had it.
Would you ever have settled for second?
I think if I wasn't sure I could win then I wouldn't have followed Mika so closely. I had a ten-second gap so could afford to go a bit easier if I was settling for second. But I could see the win and the feel of the bike gave me the confidence to push that bit extra. I think it's fair to say that I wanted it pretty badly.
Did you notice any strengths or weaknesses in the Suter or Kalex as you were following him?
The bikes were so even I think that any differences were more to do with settings. Some corners I was faster and some he was faster but I think that was more to do with how the bike was set up than the bike itself.
Did you get a bonus from the team?
Yes in my contract with my sponsors I do get a bonus when I do well but the main thing is that a win makes the team happy and keeps everybody motivated. That's why you win.
Yeah, I'm flying out next Monday, I'll be riding a GSX-R1000 with team Kagayama riding with Yukio and the great Noriyuki Haga.
I know a Japanese lady from GPs who also works with that team. She told the team about me, they called me before Mugello and here I am.
I was there two weeks ago testing the bike for the first time.
You must have been impressed by your team-mates' pace because you said on Facebook that the Japanese riders you were testing with were 'f**king fast'!
Oh yes that really is true but I've got to say that in the dry session I was already faster than Nori and Yukio so I think I'm getting used to the bike well. In the wet I think I was about ten seconds faster, but it's very different there because in the wet you don't change the whole bike settings or make suspension changes, you just change the tyre so that was something to get my head around.
I've heard that they've made a lot of progress since I've been away so I don't expect to be so much faster when I get back, but it does show I can ride the bike. We'll see next week.
How did you take to the bigger, heavier GSX-R?
It's great fun. In the last month I have never ridden so many bikes, I've ridden my Moto2 bike, a MotoGP bike at Barcelona and the GSX-R so I've had a lot of variety.
I enjoyed riding the GSX-R because even though it's heavier, it's got a lot more horsepower and that's something I enjoy.
How was the MotoGP bike in Barcelona?
I tried the Avintia. It was for fun but also a test. We actually did 90 laps and I was really enjoying the carbon brakes and 250bhp, it's really extreme.
So are there any plans for MotoGP?
It's a goal and a dream and I've already shown that I can ride a MotoGP bike in those tests. My manager and team are checking all the possibilities and I'm hoping that we can find a good contract for next year, if we can't get a good contract in MotoGP though then we'll stay in Moto2 for sure.
I've been really busy and concentrating on the racing but I can speak with my manager during the summer break to see if I have had any offers.
It is quite a difficult time to move to MotoGP because of all the rule changes and different types of bike. For example you certainly couldn't win on the Avintia bike so the conditions in MotoGP at the moment have made it all the more important to get on a good bike. It's important not just to go there because you want to be in MotoGP, you have to get the right deal or not go.
Scott Redding's bike [Production Honda] for example is not one you can win on and it's only when you get to teams like Tech 3 or Forward that you have any chance of fighting for the podium. It's this kind of bike that I'm after but I really can't go into it too much now because I still have eight races to go and that is really my team and manager's business. My absolute goal is to finish in the top three in Moto2.
But you're definitely the Swiss number 1onenow though?
I'm still not sure because Tom [Luthi] is a world champion whereas I'm just a race winner. Tom's also more famous than me at the moment but if I continue to win then I'll take over. But I think I am the Swiss rider with the biggest parties!
Thanks Dominique and I really enjoyed that race.


text:
Episode 1 Episode 2 Episode 3 Episode 4 Episode 5 Episode 6
A troubled war veteran is assigned to protect a controversial politician who may be the target of a terror plot.
Genre: Crime, Drama, War & Politics
Director: Jed Mercurio
Actors: Ash Tandon, Gina McKee, Keeley Hawes, Nina Toussaint-White, Paul Ready, Pippa Haywood, Richard Madden, Sophie Rundle, Stuart Bowman, Vincent Franklin
Studio: World Productions
Networks: BBC One
Laura Price, a local news producer in San Francisco, is helping the police to hunt down a serial killer. After the killer strikes close to home, a twist of fate…
Santiago Mendoza owns last family-owned hotel in multicultural Miami Beach, while his glamorous second wife, Gigi, and their adult children enjoy the spoils of success.
Set in England in the early 19th century, Pride and Prejudice tells the story of Mr and Mrs Bennet's five unmarried daughters after the rich and eligible Mr Bingley and…
After landing from a turbulent but routine flight, the crew and passengers of Montego Air Flight 828 discover five years have passed in what seemed like a few hours. As…
Scream: The TV Series
What starts as a YouTube video going viral, soon leads to problems for the teenagers of Lakewood and serves as the catalyst for a murder that opens up a window…
When a teenage couple runs away to be together, the extraordinary gift they possess unleashes powerful forces intent on dividing them forever.
Follow the passionate, volatile and hot-and-bothered-staff at Lisa Vanderpump's West Hollywood mainstay SUR. Lisa balances her motherly instincts and shrewd business sense to keep control over this wild group of…
The 4077th Mobile Army Surgical Hospital is stuck in the middle of the Korean war. With little help from the circumstances they find themselves in, they are forced to make…
Genre: Comedy, Drama, War & Politics
Geordie Shore is a British reality television series broadcast on MTV. Based in Newcastle upon Tyne, it premiered on 24 May 2011, and is the British spin-off of the American…
Marrying Millions
Follow six couples who are deeply in love and hoping to marry, but come from completely different worlds. Regular people are whisked off their feet and plunged into a high-end…
BattleBots promises to wow viewers with next generation robots—bigger, faster and stronger than ever before. The show will focus on the design and build of each robot, the bot builder…
A diverse group of recruits has arrived at the FBI Quantico Base for training. They are the best, the brightest and the most vetted, so it seems impossible that one…
A slightly unhinged former Navy SEAL lands a job as a police officer in Los Angeles where he's partnered with a veteran detective trying to keep maintain a low stress…
Into every generation a slayer is born: one girl in all the world, a chosen one. She alone will wield the strength and skill to fight the vampires, demons, and…
Genre: Comedy, Drama, Sci-Fi & Fantasy
A teacher and a surgeon are rocked by scandalous accusations after they enjoy a seemingly innocent date.
After raising her two children, getting divorced and retiring from teaching, Carol Chambers embarks on a unique second act: she's going to become a doctor.
Set in Springfield, the average American town, the show focuses on the antics and everyday adventures of the Simpson family; Homer, Marge, Bart, Lisa and Maggie, as well as a…
Based on the bestselling book by Candace Bushnell, Sex and the City tells the story of four best friends, all single and in their late thirties, as they pursue their…
All Elite Wrestling: Dynamite
A world-class roster of diverse male and female wrestlers give fans a new wrestling experience for the first time in 20 years.
The Winds of War is a 1983 miniseries that follows the book of the same name by Herman Wouk. Just as in the book, in addition to the lives of…
Genre: Drama, War & Politics
Trailer: Bodyguard


Do you ever have one of those weeks when you think it will never end and just wish you could go to sleep and sleep through it?
I had to see my little girl's feelings get hurt SEVERAL times.
I had two EARLY morning appointments.
Part of Bryan's family was here and let's just suffice to say that it was NOT a good visit.
We are redoing the pool for a FOURTH time.
And I got NO naps!
The weekend did get better at least. Saturday, Jacey had her soccer game and Bryan and I were the fill in coach/asst coach since hers could not be there this week. Then we had a nap, a nice long rain and rumbling thunder filled nap. For dinner, Bryan opted to get his Father's Day pick then, since he wanted Joey Tomato's and they aren't open on Sunday. Cannoli's…yum! After Jacey was in bed, we watched The Bucket List. I don't know if it is just because of my situation or what, but I think this is the best movie I have seen in a LONG while. It is funny, sad and so true. Life is absolutely what you make of it.
Today, we went to church (I work the welcome desk on 3rd Sunday's) and then went to Old Mexico for lunch. Now, a nap, a few games of Sorry and Chinese food later, Bryan and I are going to eat some ice cream and watch August Rush. Tomorrow is back to work for Bryan and I and Jacey has VBS all week which she is thrilled about. She gets to make goo…LOL!
Sorry you had a long week and that Jacey got her feelers hurt. I watched Bucket List on the flight home from Dubai – it was a very good movie -made me a bit teary eyed. I enjoyed August Rush too – hope you guys did too! Happy Fathers Day to Brian!
Hopefully this week will be better for you!! HUGS!!
HUGS!! Sorry to hear Jacey got her feelings hurt!! I hope the person who did it knows they what they did, cause you know KARMA!!
Aw, poor Jacey. Sounds like the end of the weekend was better. I hope this week goes better for you. Big Hugs girl! If I could send you a Martini, I would!!!
Hey….it does sound like we have a lot in common… :) I'm not sure about a Psych degree anymore though….looking like it's gonna be either youth ministry or social work. Same type thing though. :) Thanks for the comments on my blog.


ENGLEWOOD, Colo. (CBS4)– The immersive art experience Natura Obscura was supposed to close in one month. Instead, its huge success has caused the Museum of Outdoor Art in Englewood to keep the exhibit going into the fall.
Tommy Peterson was roaming the exhibit on Thursday afternoon. He heard about it through social media.
Natura Obscura opened Jan. 11. Vacca says 16,000 tickets have already been sold. Last year MOA had just over 15,000 visitors to its exhibits in all of 2018. The new closing date is Sept. 29.


text:
BE A GILDED GIVER: DONATE TO THE
HISTORIC BOSTON-EDISON ASSOCIATION
The history of Boston-Edison, its architecture, and the sense of community that we have all grown to love is unmatched by other Detroit neighborhoods. While these features make Boston-Edison special, the most important feature of any neighborhood is our residents. The Historic Boston-Edison Association works to maintain and strengthen the fabric of our neighborhood by connecting neighbors, keeping the community informed about issues that impact Boston-Edison, and organizing events that draw visitors and new residents and help improve the health of our neighborhood.
While the Historic Boston-Edison Association is doing wonderful work to keep our neighborhood connected and beautiful but are dependent on your participation and support.
The Historic Boston-Edison Association is a 501c(3) nonprofit organization. Donations are fully tax deductible.
What Do Donations Do?
By donating to the Association you are supporting all our efforts, including organization of the Holiday Home Tour, Sounds of Music House Concert Series, Picnic in the Park, and so many other events that bring neighbors together. You also help make the publication of the Historic Boston-Edison Newsletter possible and fund neighborhood beautification efforts. Help us preserve what makes Boston-Edison a great place to live.
Gilded Giver donations levels include:
Queen Anne: $200+
Italianate: $150-$199
Tudor: $100-$149
Colonial: $50-$99
Prairie: $10-$49
If you'd like to donate with a paper check, send checks to:
HBEA
Join HBEA!
Donations do not include membership. If you're not already a member, please consider joining today. Membership is open to Boston-Edison residents and non-residents. We invite you to become a dues-paying member of the Historic Boston-Edison Association today.
And, Finally: Thank You from HBEA!


text:
Peter Coan - Personal Profile
Peter Coan
Member since: Sun, 28 Mar 2010, 2:22pm
Last visited 7 months ago
Doing good naturally generates happiness, from which emerges gratitude, which is the motivation for further acts of goodness; and thus, being happy, doing good, the healthy human being proceeds through life, growing, giving, and enjoying, in a process which is just as natural as a tree, which grows, gives fruit and shade, and quietly enjoys the sunshine.
Unfortunately, there is also the unhealthy human being, with the tendency to tell lies, to cheat, to steal, to hurt, to kill; and this also produces a cycle of growing destruction, until at last, through external force or through internal insight and change, it ends.
Interests and Recommendations
Ram Dass - Remember, Be Here Now Ram Dass - Fierce Grace J. Krishnamurti - Think on These Things J. Krishnamurti - Truth Is where You Are Not Jack Kornfield - After the Ecstasy, the Laundry Tom Wolfe - A Man in Full Bertil Lintner - Great Leader, Dear Leader
How do you personally go about exploring the Krishnamurti's teachings (through personal study, dialogues, dvds)?
Just stop thinking; there it is!
View all answers to this question
Can dialogue - in the sense of sincere inquiry - be organized or can it only come about spontaneously, unprompted?
Everything meaningful is spontaneous. Sometimes we give ourselves the delusion that we are organizing it.
If we find other sincere people, or even a single sincere person, with whom we can honestly share this inquiry, or part of it, we can consider ourselves breathtakingly fortunate. Such people, and such relationships, are exquisitely rare.
Many types of organization tend to generate power inequalities, and therefore corruption. So I think we must be careful when designing organizations; particularly careful that no person has power over another, that the beauty and wisdom and popularity of one person does not become magnified and deified to the point where other persons are no longer seen as equal, but rather seen as inferior dross by comparison. Such, after all, has been the fate of the organizations founded by most religious leaders, in spite of their teachings to the contrary.
Krishnamurti himself was neither a god, nor an angel; he was simply a person who studied spirituality, and talked about it. He wasn't always right, and he certainly didn't always behave perfectly. But he was absolutely right to say that authority, in all its forms, causes suffering. Power corrupts, and absolute power corrupts absolutely. By refusing to accept a position of power, K led the way to the New Age.
Are there any aspects of Krishnamurti's teaching that you find implausible or difficult to accept?
I do not accept - and I don't think Krishnamurti wanted anyone to accept - any teachings from external authorities, including Krishnamurti. I value Krishnamurti's questions and ideas as ways of helping me see that only I can provide my answers to my questions. I value and respect Krishnamurti's principled and clear rejection of notions of "authority" as a well-structured and clear enunciation of my own belief and conviction that nobody has the right to tell me what to think or what to believe; or, more precisely, that I have no obligation to accept any teaching, whether it is plausible or not.
How do you strike a balance between healthy doubt and ready acceptance in investigating Krishnamurti's proposals?
Doubt the words of others; doubt my own words, too. But do not doubt the feelings I have, the perceptions I have, the realizations I have.
Do not doubt the reality I perceive; but doubt always my second-hand verbal interpretations and memories of my perceptions, and doubt even more the third-hand verbal interpretations offered by others.
Do you think Krishnamurti was exceptional, or is the transformation he spoke of universally accessible?
Everyone can do it, easily; many have done it, throughout history. What was exceptional in K was that he understood the importance and the implications, and that he sought to explain how to do it without creating an ideology, a dogma - indeed, that he explained that when all idealogy, all dogma is stripped away, all that is left is the transformed mind.
What future do you foresee for Krishnamurti's works? Do you think they will grow in importance or will they just gradually die away?
These teachings existed long before K, and will exist long after him. Their importance is timeless.
I hope that K's clear exposition of these realities helps many before it becomes so historically distant that it is no longer understandable.
The Buddha's teaching was in a language nobody now speaks; the same for Christ, and Zoroaster. So it will be one day with K.
Do you think it advisable to introduce Krishnamurti to people you know? Have you ever done it and if yes, what are your experiences?
So few people are ready for it or interested in it! But if you meet one who is, and share your interest, you will likely have learned something of vital importance about yourself, and you will likely have made a friend for life.
Has coming into contact with Krishnamurti and his teachings had any perceptible effect on your life and/or relationships?
Do you ever feel that you have been conditioned by Krishnamurti's teachings?
Yes, in a sense. The teaching "all words are conditioning" is itself, in a sense, conditioning; it is, however, precisely that conditioning which offers an escape from conditioning.
The teaching is the paradoxical road that leads out of Spaghetti Junction and into the fresh green forest.
Does the phrase "living the teachings" have any meaning to you?
Isn't it easy to slip into living pointlessly, forgetfully, sometimes for years at a time? How good it feels, on the day we wake up again from pointlessness! Bliss!
If you had to sum up what Krishnamurti is all about in just a few words of your own, what would they be?
Be here now. Don't worry about what was said before. Don't try to describe it. Don't think about the future. Just do what you believe is right, right now; do it for joy; and do it without desiring an outcome, without fearing an outcome, without worrying about time. Just do what is right, and enjoy it.
How important do you consider group dialogue to be in understanding the more subtle points of Krishnamurti's message?
Group dialogue is difficult, because we all tend to become egotistical in groups. Everyone wants to show how clever he ( or she) is - and one way to do that is to show how stupid someone else is. Yet, at the same time, this can be useful; when someone shows me how stupid I am, I have learned something. The mirror of relationship can show me where my warts are. Once I am fully aware of one of my warts, it magically disappears! But I do not believe I will ever completely run out of warts ... :-)
Do you think it is possible to make Krishnamurti more "practicable" than what he himself seems to have allowed for?
Krishnamurti spoke in a certain time and place. If we really understand the teachings, we can speak equally appropriately in a new time and place. Our words will then have more practical impact than simply repeating K's words would have had, because we can put the teachings into the current context.
As time passes, K's presentation, his choice of words and examples, will become more and more archaic and impractical, just as Buddha's and Christ's and Zoroaster's messages now seem archaic and impractical; in fact, the basic teachings were, and still are, the same, timeless teaching.
Monday, 10 June, 2019
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International destination wedding filmmaker capturing wedding across the Europe and worldwide (I've captured weddings in USA, Italy, Denmark, Sweden, Finland and across Baltic states).
My inspiration for wedding cinematography comes from own wedding few years back and since then wedding videography has not only been my work but true passion.
I love my wife, kids, weddings and telling inspiring stories.
I've been nominated for the best wedding videographer in Estonia for 2016 and 2017. My work has been recognised by The Worldwide Event Videographers Association.
We could not be more thankful for Innar and his wife. They were an amazing duo and worked so well with the rest of the vendor team. He was extremely professional, punctual and his quality of service was beyond our expectations. More importantly, he took so much pride in delivering us exactly what we wanted. We are incredibly thankful for Innar and would highly recommend him to anyone looking for a talented videographer.
Thank you Morgan and Michael! Was such a please to capture your stunning wedding - a one to remember!
I had the supreme honor of working with Innar in Puglia, Italy for a fabulous wedding. Innar is so detail oriented, so professional, and so caring about everything he does. He is truly passionate about everything he does and wants to give the world to both his clients and to the vendor teams he works with. He went above and beyond in every way. I sincerely hope to work with Innar again in the near future! If you are considering his services, do not hesitate to book him.


We'll provide you with a space and our kid friendly staff will take care of the set-up, clean-up and the food – so you can focus on the kids and catching up with their Mums & Dads over a coffee and a bite to eat. If your party is between 10am-2pm on weekends your little guests can join in on the Cross Critters Weekend activities; including FREE Face-Painting. You're welcome to arrange your own entertainment too (send in the clowns!).
Sounds pretty stress-free right? That's what we're all about. If you're interested, please get in touch with our functions coordinator. You can find them at functions@thecross.co.nz, or on 04 384 9085.