text:
Consolidation in the UK energy market
July 2019 | ROUNDTABLE | MERGERS & ACQUISITIONS
The UK energy market is undergoing major change, with regulatory headwinds, soaring costs, increasing competition, new technologies, supply and storage issues and a growth in renewable consumption shaping activity. Also a key factor is the market's drive toward consolidation, a trend signalled by a significant number of mergers, acquisitions and exits. In order for the sector to prosper, suppliers across all energy generation types need to focus on the sustainability of their business models and the robustness of their systems, controls and service standards.
FW: How would you describe the state of the UK energy sector over the last 12-18 months? What factors are shaping the industry?
Knight: This year, we have seen records broken for the longest period of continuous generation without coal and had periods in which renewable energy generation exceeded overall demand. Growing renewable penetration is also stimulating flexible battery storage to help intermittency and grid balancing. Coal dependency is falling, with plants adopting co-firing strategies with biomass. The government has supported new nuclear plants. Construction has started at the Hinckley Point power station, despite the stalling of the planned Wylfa plant. However, support for renewable energy has largely evaporated, stopping new builds until recently as the market adjusts to investors managing the variability of long-term power pricing without subsidy support. In addition, the UK's capacity market scheme has been suspended following a European Union (EU) ruling on 15 November. The extent to which this will change power markets is uncertain, but revised market guidelines in light of this may be expected to offer longer demand-side response contracts and give greater preference to low-carbon generators.
Johnson: Flux and uncertainty are key issues affecting the UK energy sector today. Will Labour win an election and will it nationalise energy networks? Will Brexit happen and if so will the Irish Single Electricity Market continue and will the UK remain part of the internal energy market? Will the renewable energy sector pick up again after new investments dropped by nearly a third? Will an increase in investment in the North Sea continue? What is shaping the industry is a mix of changes in technology and cost, particularly for renewables and energy storage, the drive to cleaner energy and some UK politics around Brexit, but also around utilities not being in favour with government and a regulator keen to show pro-consumer credentials.
Staples: It is a period of dynamic change across the UK energy sector. Regulatory pressures on the energy supply sector have, particularly since the price cap, stressed the business models of suppliers that have, in response, looked to diversify their offering to customers and use strategic transactions to remove cost. The North Sea has continued the trend of exiting major oil companies, with private equity (PE) money coming in to replace them. New development opportunities in the North Sea continue to make the basin an interesting long-term play for some, including some of the remaining majors. We are seeing continued deployment at scale of renewables, and in particular offshore wind, as the low-carbon technology of choice continues the trend of energy transition away from carbon-intensive sources. Nuclear still struggles with the scale of investment required and the complexity of deployment to be competitive with other solutions.
Davies: The mood in the North Sea is more positive, with higher oil prices of late. Increased confidence has brought more investment in new projects and more M&A as the value gap between buyers and sellers has narrowed. The oil & gas regulator, the Oil and Gas Authority (OGA), is focused on maintaining or increasing investment and production and maximising economic recovery (MER). The nascent onshore shale gas industry has stalled and there appears to be little prospect of it gaining the political support it needs to move forward in the short to medium term. In the power and renewables space, a combination of factors, including regulatory headwinds and increased competition from new and recent market entrants, has created a challenging environment for the traditional power utilities. However, a significant number of new 'challengers' in the supply market have failed over the last 18 months, and concerns about the sustainability of their business models and the robustness of their systems, controls and service standards continue to plague a number of others, leading the Office of Gas and Electricity Markets (Ofgem), to take steps to ensure customers are adequately protected.
"Sellers motivated primarily by strategic rather than purely financial considerations may have more flexibility on price or consideration structures."
— Hywel Davies
FW: Have any recent M&A deals in this space caught your eye? What are the key factors driving consolidation?
Johnson: A couple of deals and a non-deal have caught my eye. The first is the acquisition last year by BP of the Chargemaster network, the UK's largest electric vehicle (EV) charging company, which runs the Polar network of 7000 charging points. It reflects how EV is encroaching on the traditional market of fuel suppliers and as part of its plans for Chargemaster, BP wants to install charging points to deliver 100 miles range with 10 minutes of charging. The second deal driving consolidation is the £1.6bn purchase of Chevron's North Sea business by Ithaca Energy, part of a trend which has seen ConocoPhillips, Marathon and Nexen all divesting North Sea assets in what is a changing of the guard in terms of investors. Finally the non-deal, the SSE npower deal that did not happen, shows how fast the economics of the supply sector have changed, particularly with a regulatory price cap in place.
Staples: Chrysaor's acquisition of ConocoPhilips' North Sea interests is notable for the increasing role of PE in asset ownership. We expect that trend to continue. The scale of UK wind assets has pulled in pension funds and other infrastructure investors to developed UK assets, which shows that the attraction of the UK power sector to foreign investors is still strong. That said, the risk of nationalisation of transmission infrastructure under a Labour government is inevitably going to affect that particular market segment.
Davies: There have been a significant number of large portfolio deals and strategic joint ventures in the oil & gas space over last 12-18 months. Key drivers have included majors and large independents retreating from the North Sea to focus on less mature or higher growth assets elsewhere, attracting interest from financial sponsors and smaller independents. Also, large corporates for whom oil & gas has not been their core business have turned to joint ventures to dilute their investment in exploration & production (E&P) while trying to increase the scale of the underlying businesses. Infrastructure funds have been active in midstream deals, with pipelines and floating production storage and offloading (FPSOs) of particular interest.
Knight: The market sees a diversification of appetite and investment rationales. However, the onshore and offshore markets have been consolidating, to a degree, under certain thematic investment strategies. Onshore wind and solar markets have been attractive to yieldcos and passive infrastructure funds, attracted to the non-correlated government supported returns available. In the meantime, offshore wind has been drawing in international players with an interest in global offshore wind technology transfer. As offshore starts to move outside of Europe, international companies are looking to get to grips with the sector in well-established markets such as the UK. The most significant deal of this nature would be the acquisition of a majority stake in the 857MW Triton Knoll Wind Farm by Japanese firm J-Power. Some large strategic players have also entered the market, such as Sembcorp, BP, Shell, Tenaga and Vitol, to establish positions often in the development stage to improve returns or export skills to their global markets.
FW: What advice would you give to acquirers in terms of identifying energy targets with attractive prospects in today's market?
Staples: Acquirers need to get the right advice on regulatory structures. Energy is a global business dominated by local issues, so you need advisers that understand the local markets and are not just flying in.
Knight: In the absence of subsidies, investors need to have fully thought through the implication of merchant power risk, or the availability of a suitable hedge through commercial power purchase agreements (PPAs). Some players look to mitigate this through a more active management strategy, to drive value from technical performance as well as energy trading. The most effective investment managers have proactive technical skills. Managers can also extract better performances from larger portfolios. This extends beyond managing costs at an aggregate level, to adopting more sophisticated energy hedging strategies across multiple assets.
Davies: Oil & gas assets generating stable production at relatively low cost are the safest bet, particularly for those concerned about further oil price volatility. Targets that offer cost or tax synergies can be particularly attractive. Sellers motivated primarily by strategic rather than purely financial considerations may have more flexibility on price or consideration structures, allowing buyers to secure attractive terms while satisfying the sellers' strategic objectives.
Johnson: Today, perhaps more than ever, acquirers need to consider how technology, changes in the competitive landscape and political issues could affect the direction of the sector as a whole. For an acquirer, it is worth considering how a target would perform under a variety of scenarios, particularly considering differences in electricity storage and possibly in regulation going forward. The growth of electric vehicles also impacts traditional oil & gas markets.
"Energy is a global business dominated by local issues, so you need advisers that understand the local markets and are not just flying in."
— Chris Staples
FW: Are there any recurring themes in the way transactions are being structured and financed?
Davies: The larger portfolio deals and strategic joint ventures have generally been structured as corporate share sale transactions in the oil & gas space. A number of deals have seen deferred or contingent elements of consideration. That reduces the upfront cost for buyers and allows them to fund part of the purchase price later out of future cash flows from the target business. Sellers have also had to take a pragmatic approach to decommissioning liability and decommissioning security arrangements – a number of sellers have agreed to share some future decommissioning costs associated with the assets being sold or to continue to 'front' decommissioning security.
Johnson: Two substantial lenders into the UK energy market are either changing focus or are being potentially impacted by Brexit. The Green Investment Bank, now sold off and part of the Green Investment Group of Macquarie, has been viewed by some in the industry as moving away from a UK focus. Similarly, the European Investment Bank (EIB), historically a substantial lender, has seen activity curtailed by Brexit uncertainty. In light of this, the committee reviewing the EIB's activity recommended in March 2019 that the UK set up a new infrastructure bank. The government is yet to respond to that.
Knight: There are no clear trends; transactions are very specific to the buyer and the risks involved. The steady diversification of interest and strategies from a range of parties, such as investment funds, corporates, PE, yieldcos and so on, means that there are, essentially, no recurring themes in the way transactions are structured and financed.
Staples: On the sell-side, we continue to see the auction process as an effective mechanism to drive the best terms for sellers. On the buy-side, I would say the most important thing is still price, followed by certainty. While recognising that the auction process makes negotiation of better terms difficult, buyers should not be afraid to ask for a sensible risk allocation. We are also increasingly seeing warranty and indemnity (W&I) insurance being used by buyers to support a reasonable set of business warranties.
FW: What specific due diligence and transactional risk management challenges exist in the energy sector, which acquirers need to address?
Johnson: One of the keys is considering the resilience of cash flows in a variety of scenarios and carrying out the scenario analysis on that basis. Swanson's law is that solar voltaic module costs drop 20 percent for each doubling of cumulative shipped volume. We have not yet seen the equivalent law for storage but the reality is that storage costs are already dropping rapidly. A system with substantial storage could impact revenue flows across the power sector, so changes to the system need to be evaluated carefully. Equally, the basis of costs, such as capacity charges, may change, given the fact that companies increasingly have 'behind the meter' generation and storage which has an impact on maximum demand, typically used as part of cost setting.
Knight: In general, purchasing energy assets involves capital-intensive, long-term investments. As a result, acquirers need a sophisticated understanding of energy resource and power price exposure. On the revenue side, this means managing power price exposure, inflation risks and long-term resource forecasts, particularly in light of degradation, capture prices and curtailment risks. With regard to costs, project life extensions are fundamental to value. This means proactive maintenance, taking advantage of new advances in predictive maintenance and data collection.
Staples: Due diligence and risk management entirely depends on the asset class, but we typically find that buyers new to the North Sea decommissioning regime are often unaware of the risk of decommissioning liability bypassing the normal limited liability company structures and passing up the chain to parent companies. This is a very technical area that requires careful consideration at an early stage.
Davies: There are a number of legal issues that most buyers will focus on, including third-party consent and change of control issues. For renewables transactions, especially wind, key areas of focus will be construction contracts, including liability periods and liquidated damages regimes, operation and maintenance arrangements, offtake arrangements, subsidy regimes, grid connection arrangements, property rights and direct agreements. For transactions on the supply side, there will be more focus on the integrity of systems and controls.
"We can foresee combinations from non-traditional energy companies, with technology companies able to manage client relationships potentially buying into energy suppliers."
— Colin Johnson
FW: Are any legal and regulatory issues having a notable impact, either directly or indirectly, on M&A in this space?
Davies: The exposure that UK Continental Shelf (UKCS) licence holders, former licence holders and their associated companies have to decommissioning liabilities under the Petroleum Act continues to have a significant impact on transaction structuring and terms. With the buyer universe increasingly made up of smaller independents and PE-backed companies and more mature assets being sold, sellers have had to accept that they will bear a share of the cost of decommissioning the assets they are selling and retain greater exposure to the risk that future decommissioning liabilities come back to haunt them after they have sold out. This is driving some creative structuring of consideration and payment flows between buyers and sellers, new approaches to decommissioning security, and some careful structuring by financial sponsors and other investors to try to reduce the risk that other entities in their structure become 'contaminated' with exposure to decommissioning liability.
Staples: The increasing trend for buyers to take out W&I insurance to cover business warranties is probably the most notable market trend.
Knight: The biggest impact on renewable energy M&A comes from the loss of subsidies. Project profitability is now primarily dependent on power prices relative to generation, subject to any hedges in place. Alongside this, the changing value of carbon credits adds another consideration to balance sheets. Carbon costs have risen sharply in recent months, and this can provide a boost or a blow to power producers. For existing projects or development pipelines, it is also important to consider the likelihood of planning extensions. The UK has seen several renewable energy projects rejected on planning grounds over the past few months. With increased levels of local opposition to renewable energy developments, particularly wind, acquirers need to bear in mind the risk that projects may not meet local planning criteria. Finally, it is vitally important to understand the way that Ofgem's Targeted Charging Review is headed. This programme is designed to fairly balance costs within power networks, to create a more efficient system. While there are no final findings, this may result in large costs for many renewable energy generators.
Johnson: Various issues, such as the price cap suggested by Ofgem, the potential impact of Brexit and the possible risk of renationalisation, whether with or without sufficient compensation, are all affecting the potential for M&A.
"Carbon costs have risen sharply in recent months, and this can provide a boost or a blow to power producers."
— James Knight
FW: What is the outlook for consolidation in the UK energy market through 2019 and beyond? How is this likely to affect competition?
Staples: As shown by the failed npower SSE deal, the energy supply sector is not an easy market for deal making. That said, there are deals happening in the North Sea and in renewables.
Knight: Arguably, the renewable energy market is de-consolidating and diversifying. The big question is who will manage how new generation energy is integrated into the grid network, along with the shift in customer demand. Arguably, storage and the tariff comparison rate can be seen as ways to address this, but a comprehensive solution across all generation types, renewable or otherwise, has yet to take form.
Johnson: The outlook for consolidation in the UK market depends on what we understand consolidation to mean. It is often used to talk about direct competitors merging or acquiring one another, reducing the number of competitors in a field. However, two meanings that could apply are 'to become, or cause something to become, stronger and more certain' or 'to combine several things, especially businesses'. We can foresee combinations from non-traditional energy companies, with technology companies able to manage client relationships potentially buying into energy suppliers. We may also see further investment in renewables by the oil majors and sovereign wealth funds building renewables portfolios in the UK and elsewhere. It is already happening, but firms with a need to be greener, with deep pockets and long-term horizons, can afford to be serious investors. Similar arguments apply for why many of the major technology companies are also becoming serious renewable energy investors. In a different direction, difficulties among a number of smaller suppliers potentially indicates more forced consolidation going forward in the more traditional sense of the word. Finally, one trend that will potentially lead to more fragmentation first, before such companies do consolidate into a smaller number, is decentralised power production. There will initially be smaller producers taking advantage of existing and new technologies to develop projects but then later acquisitions to achieve synergies of scale and scope.
Davies: We expect a slight slowdown in new M&A activity on the UKCS over the next few months as the market digests the deals currently going through. However, disappointed under-bidders in recent sales processes are likely to remain on the lookout for quality assets, so we see the prospect of further significant portfolio deals and some large strategic combinations later in 2019 and into 2020. From a power and renewables perspective, we expect to see some further strategic reshuffling of thermal generation portfolios. We also expect the oil & gas majors to continue their push into the power and renewables market, right across the value chain – the big question is whether they will look to do that through relatively small incremental steps as they have done to date, or whether they will look to do something more transformational.
James Knight co-leads Augusta's renewable energy practice. Since joining the company in 2003, he has been dedicated to the sector, working across the spectrum of clean energy technologies. He has worked on the company's first renewables transactions and led some of Augusta's largest and most complex transactions with some of the industry's leading players, including Vattenfall, RWE, GE Capital, ERG, PNE Wind AG, DIF, Riverstone Capital, NIBC Infrastructure and Platina Partners. He can be contacted on +44 (0)20 7776 0800 or by email: info@augustaco.com.
Colin Johnson is a vice president in Charles River Associates' energy practice. He has more than 25 years of experience in the energy and infrastructure sector with a particular focus in the power, oil and gas industries. Mr Johnson has international experience in analysing, negotiating and managing major energy projects and has worked in Europe, North America, Latin America, Africa, the Middle East and Asia. He can be contacted on +44 (0)20 7959 1548 or by email: colinjohnson@crai.com.
Chris Staples is a corporate partner in Linklater's energy, natural resources and infrastructure practice, a sector leader for energy & utilities and co-head of the firm's global commodities group. He regularly advises leading corporates and banks, as well as funds and governments, on energy and commodity market-driven investments, covering a broad range of sector-specific challenges and transactions. He can be contacted on +44 (0)20 7456 4876 or by email: chris.staples@linklaters.com.
Hywel Davies is co-head of Slaughter and May's global Infrastructure and Energy practice. He advises corporate clients and private equity and infrastructure funds on a wide range of transactions and issues in the sector. He has particular expertise in public M&A, joint ventures and large portfolio deals, and has advised on over $100bn of oil and gas, power and renewables transactions in the last five years. He can be contacted on +44 (0)20 7090 3102 or by email: hywel.davies@slaughterandmay.com.
THE PANELLISTS
James Knight
Augusta & Co.
Colin Johnson
Chris Staples
Linklaters LLP
Slaughter and May


My last couple of posts, beginning with The Mortgage is Dead; Long Live the Reverse Mortgage, have extolled the virtues of the improved FHA HECM reverse mortgage products. Given that the typical American family has far greater home equity than all other assets combined, making more productive use of that home equity to fund retirement should be a big help to many households.
No retirement strategy is perfect for every household, though, and there are some risks with HECMs that you should understand. Here are a few.
A HECM does not guarantee that you can keep your home.
A HECM guarantees that you can keep your home for as long as you, a spouse or a non-borrowing spouse still live in it. It also guarantees that you can't owe more when you repay the loan than could be recovered by you selling the home at fair market value. HECMs provide the opportunity for you, your estate, or even your heirs to pay off the loan with other assets and keep the home. But, they don't guarantee that you will have the financial means to do so.
We are told by late-night TV commercials that a HECM borrower can never have their loan foreclosed except for three reasons: failure to pay property taxes, failure to keep insurance in force, or failure to maintain the property so long as the borrowers or a non-borrowing spouse live in the home. But, that's really four reasons, isn't it?
Some of this is correct. Banks are rarely involved, as I will explain below, but that's a quibble. When you leave the home, and not necessarily because you died, the home is still yours to pass on to your heirs if you have other assets with which to pay off the loan or your heirs can arrange a new mortgage. The home is, in fact, still yours (or more accurately your estate's) after you die, but the home was collateral for the loan. If you or your estate can't pay back the loan from other resources, you can't pass on the home to heirs. It must be sold by your estate to pay back the loan.
Should you decide that you no longer want to live in the home, you will also have to repay your HECM. More importantly, if you are no longer able to afford the house and need to sell it, your HECM loan will also become due and payable. A retiree who loses a spouse, gets divorced, or incurs huge medical expenses, for example, may find the home no longer affordable or perhaps just no longer desirable.
Imagine an executive at an oil company whose wife develops Alzheimer's disease and is bankrupted by the cost of her care. Why might a HECM not enable them to stay in the home? Maybe because they can no longer afford a mansion in a high cost of living area even with no mortgage payments or perhaps they need to access home equity in excess of their HECM credit limit.
Every retirement plan should consider the possibility of a spouse's death, a divorce, spending shocks or any of a number of life-changing events. HECM borrowers should also consider the possibility that these changes might leave their home unaffordable or undesirable and necessitate paying off the loan long before they had planned. Retirees with expensive homes in areas with a high cost of living are at greatest risk of deciding to sell because they will see the largest benefit from selling and relocating.
If you can't repay the loan, you won't be able to keep the home.


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text:
You have searched for "shadow"
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redpajama_set_name: RedPajamaCommonCrawl


text:
Q: Modifying database structure with inherited mappings in Fluent NHibernate I have three objects A, B and City, where B inherits A.
A contains the ID and the Name of this structure.
internal class AMap : ClassMap
{
    internal AMap()
    {
        Id(x => x.ID).GeneratedBy.Assigned().Not.Nullable();
        Map(x => x.Name).Length(255);
        Table("A");
    }
}

B should be an extension object which contains a list of City objects
internal class BMap : SubclassMap
{
    internal BMap()
    {
        HasManyToMany(x => x.Cities).Not.LazyLoad().AsBag().Table("B").Cascade.All();
    }
}

This should result in the following database structure
Table A:
    -  ID
    -  Name
Table B:
   -  ID_A
   -  ID_City
It should be a ManyToMany relationship, so ID_A and ID_City can occur multiple times in Table B
How can I realize this structure in the Fluent NHibernate mapping?
Thanks,
Xeno

A: I was able to solve this, so this is the result of a bad headache:
internal class AMap : ClassMap
{
    internal AMap()
    {
        Id(x => x.ID).GeneratedBy.Assigned().Not.Nullable();
        Map(x => x.Name).Length(255);

        Map(x => x.Type).Column("ObjType");
        DiscriminateSubClassesOnColumn(@"Type");

        Table("A");
    }
}

internal class BMap : SubclassMap
{
    internal BMap()
    {
        HasManyToMany(x => x.Cities).Not.LazyLoad().AsBag().Table("B").Cascade.All();
    }
}

I have added a Type field, which identifies each subclass, then the DiscriminateSubClassesOnColumn stores the Type-Information of an object in the A-Table.
The B-Table doesn't exist anymore, but there is a mapping table for each object of Type B to it's City-Objects

redpajama_set_name: RedPajamaStackExchange


text:
Light and Shadow exhibit to debut at museum
Dec 10, 2013 at 3:15 AM Dec 18, 2013 at 12:04 PM
DOVER — Winter in New England can be a dark time of year with limited daylight and threatening weather. To cast a bit of brightness in Dover, the Children's Museum of New Hampshire's Gallery 6 will feature a multilayered exhibit called "Light and Shadow." This show will run through March 1.
For centuries, artists have been fascinated with the myriad ways light and shadow influence people's moods and vision. Using the drama of chiaroscuro and strong contrast in composition, the artists in this show explore the way light affects color and creates intriguing patterns. Works of photography, weaving, drawing, painting and three-dimensional installations will provide a rich sensory experience for gallery visitors.
The 14 regional artists featured in the Light and Shadow exhibit include Cori Caputo, Eve Corey, Daniela Edstrom, Marina Forbes, Sarah Haskell, Kate Higley, David Hiley, Steven Holt, Carol MacLeod, Kiera McTigue, Doug Prince, Bobbi Slavin, Ron St. Jean and Shiao Ping Wang.
The front of the Children's Museum is also an extension of the indoor gallery exhibit this winter. Five shaped canvases have been installed on the building's façade to capture the interesting ways the natural environment — sunlight, wind and atmospheric conditions — creates patterns on the building and on each other. During the evenings, the installation is illuminated with a changing display of colored lights, helping to enliven the building and the park during the darkest time of the year. Noted Dover photographer Ron St. Jean has been capturing the shifting appearance of the installation at different times of day, and his photos will be featured in the exhibit inside.
The Light and Shadow exhibit can be viewed in Gallery 6 during regular business hours at the Children's Museum of New Hampshire: Tuesday-Saturday 10 a.m.-5 p.m. and Sunday, noon-5 pm. No admission fee is required to view the gallery only. Regular admission applies for families who wish to also explore the rest of the museum.
The Children's Museum of New Hampshire is located in the center of Dover and offers two floors of hands-on, interactive exhibits for families to enjoy together.
For more information, please visit www.childrens-museum.org
© Copyright 2006-2019 GateHouse Media, LLC. All rights reserved • GateHouse Gjentertainment 01


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If architecture's your thing, you'll know the work of John Gollings.
John's a legendary architectural photographer who specialises in photos of cities, buildings and landscapes from an aerial perspective. He's photographed every high rise on the Queensland Gold Coast, was co-creative director of the Australian Pavillion at the 12th Venice Architecture Biennale, and has recently finished taking photos for a guidebook of Khmer temples in south-east Asia.
He's also responsible for the transfixing image on the right – a dramatic time-lapse shot of the dome nestled within a pulsing nocturnal cityscape. You've still got one week to see a vibrant print of this photo at our free Enchanted dome exhibition, which ends on Sunday 14 July.
Enchanted dome features representations of the dome in art and literature from the 1950s to today, including prints by Marco Luccio, paintings by Louise Forthun, cartoons by Oslo Davis and Barry Dickins, and photographs by John Gollings and Mark Strizic. Writers represented include Ray Lawler, Shane Maloney and Arnold Zable.
To acknowledge his enduring relationship with the dome, John shares some personal reflections on what the space means to him.
'The dome is among my strongest childhood memories, along with the old museum and gallery. I studied for my exams under the dome because I had a sense, as a 14 year old, that this would connect me to a historic body of illustrious scholars who had studied there before me. That meaning is even more poignant now in the digital age, when the dome represents our paper history along with a lifestyle that seems bucolic in retrospect. I still come to the dome to be inspired. I love its scale, majesty and sheer beauty.
'I see it as a great piece of architecture and a place of continuity. The dome offers a sense of pride in a rich Victorian history. Its presence in the city inspires me; it gives Melbourne a gravitas that modern planning never rises to. The Library's Greco-Roman architectural origins invoke a deep-seated understanding of order and scholarship. The influence comes from its very fabric; both its form and function are sublime examples of human achievement.
'Some of my images are inspired by the dome. For example, I've photographed the bookshelves around the dome as abstract compositions. I had an intuitive instinct that collating all that knowledge in stacks of volumes on shelves was anachronistic, yet loaded with nostalgia for such a simple and democratic system.
May Gibbs - Snugglepot and Cuddlepie.


Located on the 11th and 12th floor, these rooms have separated bathing and toilet areas. Decorated with stark contrasts and soft lights, this air-conditioned room has slippers and an private bathroom with a bathtub and shower. An LCD TV and free wired internet are provided.


Healthy literacy is like a healthy diet. To eat well, you need a blend of this and that. Lots of variety. Lots of color. Would it hurt you to have a cupcake once in a while? Of course not. Go for it. As long as you're eating real food, too. If all you eat is cupcakes, you're going to get a tummy ache.
I asked the kids, "Is there anything you should NEVER eat?" – and there was a short silence and then some funny response. But my point was this: You should never, never eat rat poison. It is only made to kill. Likewise, there is "literature" out there that is like rat poison. You shouldn't read it. It will poison your mind and kill your soul.
"Ah," you say, "but how do I know what's the rat poison?"
Becca has a good answer. You should read her entire post.
For my part, her analogy resonates strongly enough that I wanted to call it to your attention.


Brownlee Jewelers offer Diamond Engagement Rings, Wedding Bands, Certified Loose Diamonds, Bridal Jewelry, Rings Pendants, Earrings, Bracelets, Wedding Rings and Watches to the customers at Jewelry Stores located in Charlotte and Huntersville, North Carolina (NC) and Rock Hill, South Carolina (SC).
Since 1936, Brownlee Jewelers has been a family owned and operated jewelry store faithfully serving the Carolinas. With locations in Charlotte, Huntersville, Rock Hill and Raleigh, you will be sure to find that special gift at any one of their beautiful locations.
Harold Rousso the owner of Brownlee, got his start when his father purchased the store way back when. Since then, they have worked together to put their customers' interests first and provide a world class buying experience for everyone. They understand how special and significant buying a diamond engagement ring is for every couple, so they work hard to make sure your every need is taken care of. Over the years, their company has grown and expanded to better serve multiple areas of North and South Carolina. They understand people want someone they can trust when making such significant purchases, and are available to be that person- that company.
Since they are a member of the Continental Buying Group, as well as Preferred Jewelers International™ they have the ability and opportunity to provide you with a selection that most chain retailers just cannot. Their connections and reputation allow them to provide the best selection of wedding bands and other bridal jewelry. Their service does not simply turn off when you walk out of their doors with your purchase. They feel obligated and more than happy to take care of your special trinkets long after the transaction is complete. If for some reason one of the diamonds becomes loose in your setting, bring it by one of their locations and they will fix it right up for you.
Brownlee provides a wide variety of services for each and every customer including custom design, repairs, cleaning and battery replacement. No matter what you need for your precious jewelry, it will be in good hands with Brownlee Jewelers.
No matter your budget, Brownlee can work with you to create a custom design. Whether you are designing a diamond engagement ring or a special diamond bracelet, Michael Rousso is willing to help you bring your vision to life. He is a graduate gemologist and a graduate jeweler who has vast experience working with customers and drawing and creating designs. Your only limitation is your imagination when it comes to custom design jewelry at Brownlee Jewelers.
When it comes to service, quality, selection and education, Brownlee is here to make all of your dreams come true.


In the past few weeks, this author has received many comments referencing the column on grief. Whether it is for the death of a friend or the loss of a job, job security or retirement savings, grieving loss is a necessary part of life. With that in mind, we take the liberty of re-sharing this column from 2007.
"It seems like every day I learn of someone else who has died or discover something else I can't do." The 87 year old client who shared this with me summed up perfectly the constant state of loss and grief which is part of aging.
As I approach 60, gardening has become something I get in shape for each spring. Driving at night is more difficult. Skiing the big bumps is no longer possible for the same reason I need to wear elastic supports around my knees when I dance. My body has lasted long enough to have earned a little accommodation.
Whether it is the death of a friend or realizing we can't carry the air conditioner down from the attic anymore, it is a loss. Some are significant to everyone. Others are private and difficult to explain. All matter and deserve to be grieved. That is not always easy.
When my knees couldn't take the moguls anymore, I decided to stop skiing. It just wasn't the same. An old ski buddy had faced the same decision a few years before. He adjusted and continued to ski. I didn't and we drifted apart. More loss, more grief.
It wasn't until I attended a class on grieving that I appreciated what was happening. Not only had I stopped skiing, I no longer enjoyed winter at all. Because I hadn't allowed myself to grieve, I couldn't process the loss and move on. Once I did, I was able to replace one winter sport with another. Now, I thoroughly enjoy snow walks with my camera in the woods behind my house.
So, when Dad shares that he can't do this or that anymore, don't minimize it. Inquire about how he feels; acknowledge how tough that must be. When Mom's friend passes, ask about the person and encourage a few stories of the times they had together. We can help to bring the grief out into the open where it can heal.
Sometimes the best support we have to offer is taking the time to listen.
Aging in Place, it doesn't happen by accident.


The original agency new business questions in this ebook came from a group of agencies who took part in a luncheon at the 2013 BOLO digital conference in Scottsdale, AZ.
You can view and download it here in our White Papers section.
Agencies were asked to provide one prominent agency new business challenge or question, and initial discussions around each began at the luncheon.
Time went quickly, and we weren't able to get to nearly as many questions as we wanted to, so as a means of follow up, this ebook presents 7 key questions asked by those attending agencies, initial insight around each from RSW/US and links to further thought leadership around each.
Thanks to BOLO and to all the agencies who participated.
That Agency New Business Meeting Went Nowhere, Or Did It?
Ad Agency New Business Questions: Are you asking yourself the tough ones?


text:
Information Center > Press > ETM Expands, Building Additional Policy, School Support and Community Engagement Strength
ETM Expands, Building Additional Policy, School Support and Community Engagement Strength
ROYAL OAK, Mich. (Oct. 16, 2019) – The Education Trust-Midwest (ETM) is pleased to announce the addition of team members that will help build upon critical organizational strengths. Jacqueline Garder joins as senior data and policy analyst, Brian L. Love as director of community outreach, and Joann Riemersma as assistant director of ETM's Center for Excellence in Teaching and Learning.
Gardner comes to ETM from Michigan State University, where she worked in the Office of K-12 Outreach at the College of Education as the director of data and evaluation. In this role, she supported the data needs of Michigan schools and districts, particularly around accountability requirements and student assessment data. Gardner has co-authored several articles, particularly on the topics of educator effectiveness, and a book for the International Association for the Evaluation of Educational Achievement (IEA). Currently, she is a candidate for her Ph.D. in Education Policy at Michigan State University. Recently, Gardner and two co-authors published research on the shortage of substitute teachers in Michigan and the implications for school districts across the state.
"Jacqueline's expertise on educator quality, student achievement and equity will benefit Michigan's students and educators in her role at the Education Trust-Midwest," said Amber Arellano, executive director. "As a data-driven education policy and research organization, focusing on policies for improving outcomes for students of color and students from low-income families is central to our mission and critical for improving Michigan schools."
Love joins the external relations team at ETM after nearly twenty years working on critical issues impacting Michigan communities, including for the Greater Detroit Area Health Council, Education Post and StudentsFirst. For nearly twenty years, Love worked on political campaigns and in the offices of State Representatives and State Senators. Love credits his Moorehouse College professors for sparking his passion for politics and his service in the United States Marines for his commitment to serving his community.
"Brian's extensive experience advocating for Michigan's underserved is greatly needed in the public education space," added Arellano. "As fierce advocates for the high academic achievement of all students – particularly those of color and living in poverty, we know that this experience will be a tremendous asset for the thousands of Michigan students who need and deserve much more."
Riemersma will support students in Kent County through her leadership at the Center for Excellence in Teaching and Learning, a program of ETM that serves high-poverty schools in West Michigan. Before joining the ETM team, spent more than 30 years as an educator and administrator in Grand Rapids. In this time, she has worked to ensure that all children were physically, emotionally and socially prepared for school success by combining the best educational practices with a wide range of in-school community, health and social services. A passionate leader of teaching and learning, she has provided professional development to local school districts and intermediate school districts in West Michigan for more than two decades.
"For more than thirty years, student in Grand Rapids benefited from the exceptional leadership of Joann," said Arellano. "I am thrilled for her to now join our team and bring her experience, passion and dedication to the educators, students and schools that we support every day in Kent County."
Contact: Brian Gutman
(734) 619-8008 x.308
School Leaders Discuss Challenges of Michigan's School Funding Crisis during ED Summit 2021
Just days ago, the Education Trust-Midwest concluded its first annual summit under the theme, Building a Movement, Building Hope,…
Announcing New Keynote: U.S. Department of Education Assistant Secretary to Share Successful Strategies for Education Transformation for Underserved Students
November 9, 2021 by Jen Mrozowski
Roberto Rodríguez, U.S. Department of Education Assistant Secretary for Planning, Evaluation, and Policy Development, will deliver a keynote address…
Modeling the Way for Pandemic Educational Recovery, Four Michigan Schools Honored for Exceptional Academic Progress, Growth for Underserved Students
The new Building the Hope Schools all demonstrate academic progress and growth and affirming culture for students of color,…
State, National Leaders Join to Share Successful Strategies for Underserved Students
October 20, 2021 by Jen Mrozowski
The Education Trust-Midwest's virtual conference "Building a Movement, Building Hope" set for Nov. 10, 11 and 13The Education Trust-Midwest…
Expanded Learning Time as a Strategy to Address Unfinished Learning Due to the Pandemic
October 7, 2021 by Hayley Butler
Throughout the pandemic, educators and school leaders worked tirelessly to continue providing educational opportunities for students. A March 2021…
Targeted Intensive Tutoring: A Strategy to Address Unfinished Instruction Due to the COVID-19 Pandemic
September 22, 2021 by Riley Stone
Students across Michigan are now back to school after two school years of interrupted learning due to the COVID-19…
Engine of Inequality: Michigan's Education System
September 9, 2021 by Jen Mrozowski
Every student deserves access and opportunity to the educational resources and support that they need to achieve and fully…
REPORT: Michigan Vastly Underfunds Vulnerable Students Compared to Leading States
New bipartisan coalition calls on state leaders to implement equitable funding strategies, eliminate automatic budget cuts to funding for…
Statement on the release of 2020-21 Michigan student data
The following statement may be attributed to Amber Arellano, executive director of the Education Trust-Midwest, on the release of…
Opinion: Michigan needs a school funding system that supports all students' needs
As this unprecedented school year ends, Michigan educators are continuing to grapple with the many challenges of how to…
Statement by Amber Arellano, executive director of the Education Trust-Midwest, on the passage of School Aid budget for fiscal year 2021-22.
June 30, 2021 by Jen Mrozowski
"We have been pleased in the last few weeks to see elected leaders from both sides of the aisle…


ROCK SPRINGS – The Laramie County Community College Golden Eagles women's basketball team picked up a road win Wednesday night against Western Wyoming Community College 83-69.
Ja'Kia Wells (Mesquite, Texas) led all scorers with 20 points, six rebounds and steal. Four other Golden Eagles were in double figures scoring as Karli O'Brien (Rapid City, South Dakota) had 16 points, Gabi O'Connor (Colorado Springs, Colorado) added 15 points, Courtney Walker (Las Vegas, Nevada) had 14 points and Haylie Anderson (Clearfield, Utah) chipped in with 11 points. O'Brien led the group on the boards with seven in the game.
As a team the Golden Eagles shot 27-of-53 from the field for 50.9 percent, 10-of-22 from beyond the arc for 45.5 percent and 19-of-28 from the free throw line for 67.9 percent.
The LCCC Golden Eagles will back in action at the RAC on Saturday February 16th as they take on Gillette College. Tip off is scheduled for 2 p.m.


FINEOS Corporation, a market leading provider of core systems for Life, Accident and Health insurance, will tomorrow host the next webinar in its best practice claims management series, 'Claim the Future'. The webinar, entitled 'Mitigate Risk with Integrated Disability & Absence Management, will be presented by Steven McGonagle, AVP Product Management and hosted by Digital Insurance.
Access continuously updated, current regulatory leave plan rules out of the box while maintaining the flexibility to implement changes.
FINEOS Absence was launched last year. It provides a single book of record for all absence management related services and tight integration with FINEOS Claims to enable a streamlined efficient operation and a complete customer care service. It allows carriers to showcase the strengths of their products, services, people, and partnerships in a unique, consistent, and compliant fashion.


What Happens if You Whip Condensed Milk?
Can You Repair Runny Yogurt?
Yogurt makers provide the steady, warm temperature needed by the bacterial culture.
1 What Happens if You Whip Condensed Milk?
Unflavored gelatin is often added to commercial yogurt and yogurt products, to make it thicker and more appealing. Home yogurt makers can also use gelatin for the same purpose, if they prefer a thick yogurt. For novices, using gelatin as a thickener can help compensate for variable fat content in the milk they use, and to prevent the whey from separating out of the finished yogurt.
Clean and sanitize all the utensils before starting, and wash your hands thoroughly with lots of hot, soapy water. Dry them on clean paper towels.
Pour the milk into the saucepan, and if you are using milk powder, whisk it in until it has dissolved fully. Sprinkle the teaspoon of gelatin over the cold milk, and wait five minutes for it to soften.
Heat the milk over a moderate burner, stirring regularly, until it reaches a temperature of 175 to 185 degrees Fahrenheit, hot enough to kill any undesirable bacteria. Remove from the heat and cool until just warm, approximately 110 to 115 degrees Fahrenheit. Preheat the yogurt maker.
Separate 1/3 of the hot milk. If you are using dry powdered starter for your bacterial culture, whisk it into the milk. If you are using live yogurt as your bacterial culture, whisk the milk into the yogurt until it is fully incorporated.
Pour the milk containing the starter culture back into the rest of the warm milk, and stir it well. Pour the mixture into the yogurt maker's insert or inserts. Cover, and leave the yogurt to develop and for six to 12 hours, until it has reached the desired consistency and degree of tang.
Refrigerate the finished yogurt immediately. The gelatin will set partially while the yogurt is forming in the yogurt maker, and will arrive at its full thickness in the refrigerator.
A sweetener such as sugar, honey or maple syrup may be added to the yogurt if desired, or a vanilla bean may be steeped in the milk as it is heated.
What Happens When You Heat Up Greek Yogurt?
Can You Bake Greek Yogurt?
How Long Can You Keep Plain Yogurt?


Discussion about Motorola V60 Prototype. Click 'Postreply' to write a comment!
Very cool Thomas! Really like the all-black keypad on this one. The V60s are some of my favorite Motorola flip phones. Awesome looking and rugged.
Do you have any idea what standard this prototype operates on?
Unfortunately I can not test that. That's why I do not know.
Ah, I see. Thanks Thomas.


Garden incinerators & Fire Pits are happy to stock the excellent Bronze Cast Iron Chiminea Patio Heater With Pull Out Grill.
With so many available today, it is wise to have a make you can recognise. The Bronze Cast Iron Chiminea Patio Heater With Pull Out Grill is certainly that and will be a superb purchase.
For this price, the Bronze Cast Iron Chiminea Patio Heater With Pull Out Grill is widely recommended and is a popular choice amongst lots of people. LA HACIENDA have added some great touches and this results in good value.
All models are traditionally sand cast in solid cast iron and steel. Comes flat packed for a straightforward assembly. Due to its nature cast iron/steel will rust over time. this is only cosmetic and will not affect the function of the chiminea. to inhibit rusting rub the chiminea with an oily rag after each use and ensuring the chiminea is cool. Repaint where necessary using high temperature stove paint. Suitable for all solid fuels.


Functional medicine is a new way of thinking about disease that gets to the root cause. It doesn't focus so much on symptoms as focusing on the question of why you have those symptoms.
Cleveland Clinic's Center for Functional Medicine is a collaboration between Cleveland Clinic and the Institute for Functional Medicine (IFM), led by Mark Hyman, MD, Chairman of IFM, founder of The UltraWellness Center, and New York Times best-selling author.
Cleveland Clinic Center for Functional Medicine physicians spend time with their patients, listening to their histories, mapping their personal timeline, and looking at the interactions among genetic, environmental, and lifestyle factors that can influence long-term health and complex chronic disease.
Unfortunately, this experience is all too common. Our physicians at the Center for Functional Medicine aim to reduce this problem by applying a new model that focuses on treating your body as a whole system, that treats the causes not only the symptoms, that sees the body as a whole organism, rather than simply a collection of organs. This emerging model of diagnosis and treatment – called Functional Medicine better matches the need to improve the management and prevention of chronic diseases.
By changing the disease-centered focus of medical practice to this patient-centered approach, our physicians are able to support the healing process by viewing health and illness as part of a cycle in which all components of the human biological system interact dynamically with the environment. This process helps to seek and identify genetic, lifestyle, and environmental factors that may shift a person's health from illness to well-being.
Functional Medicine is the science of creating health, by treating the whole system, not just the symptoms. Cleveland Clinic Center for Functional Medicine physicians spend time with their patients, listening to their histories, mapping their personal timeline and looking at the interactions among genetic, environmental and lifestyle factors that can influence long-term health and complex chronic diseases. Functional Medicine is a patient-centered approach that helps people achieve vibrant health.
Our Functional Medicine team, which consists of physicians; nurse practitioners; registered dietitian nutritionists; health coaches; nurses and medical assistants; collaborates and reviews the patient's history, genetics and environmental and life-style factors that influence long-term health and complex chronic diseases. The patient is given a comprehensive plan that is tailored to their individual needs. This process may shift a person's health from illness to well-being.
What do Functional Medicine providers treat?
Our physicians are trained in functional and nutritional medicine and our nutritionists are registered dietitians with specialized training in functional nutrition. We address and treat a whole range of conditions, such as: autoimmune diseases, arthritis, type 2 diabetes, heart disease, fatigue, excess weight and slow metabolism, migraines and headaches, digestive disease, anxiety, depression, dementia, and hormonal disorders. We also focus on heavy metal toxicity, environmental pollutants, mold exposure and food/environmental allergies. If you have any chronic symptoms or disease – we can help you.
Physician visits are covered by most insurance plans except for Medicaid and Medicaid HMOs. Coverage for visits with the nutritionist are determined by your insurance plan and medical necessity. Additional costs may include specialized lab tests, some of which may be covered by insurance, and supplements. You will talk with a Patient Financial Advocate to review your coverage prior to your appointment.
*Appointments with Dr. Mark Hyman (one of the functional medicine physicians) are not billed through insurance. Dr. Hyman does not accept insurance or Medicare and we do not file insurance paperwork on your behalf. However, we will provide a detailed receipt for services performed.
To schedule an appointment, please call our scheduling office at 216.445.6900 or call toll-free at 844.833.0126. We will schedule you as soon as possible.
All patients are required to complete a Medical Intake Questionnaire through an online portal called Living Matrix. The link to this questionnaire is received through MyChart 4 weeks prior to your scheduled appointment. The completed questionnaire must then be submitted at least 7 days before your visit, or your appointment will be cancelled. The questionnaire provides us with a detailed map of your story and will help us diagnose the root cause of your health concerns. A new patient consult will last approximately four hours, which consists of a medical consult with the physician, nutrition counseling, education on laboratory testing and health coaching. We are committed to addressing all of your concerns and will provide recommendations as well as construct a personal health plan.
If you are traveling from out of town, please arrange overnight accommodations and be sure to fast prior to your appointment for same-day laboratory testing. You need to bring insurance cards, current medications and vitamins. It's very important to also bring your medical records if they were not already sent.
Health coaching helps facilitate behavior change in a supportive and encouraging partnership where patients are empowered to reach their highest level of health.
Health coaching helps patients gain the knowledge, skills, tools and confidence to reach their self-identified health goals.
Health coaching inspires change by helping patients reconnect with the ways in which their health supports their personal purpose and values.
What is the role of a Health Coach?
The patient and health coach work in partnership to identify what the personal health and wellness issues are, how they intersect and affect them holistically and help them develop strategies to overcome them.
The health coach helps create and sustain the mindset needed to make lifestyle changes by heightening personal awareness.
The health coach provides continuous support, resources and encouragement for the adoption of habits that are conducive to a higher quality of life.
Patients are held accountable for their commitments, and coaches empower them to identify lessons learned from whatever outcomes occur.
A health coach doesn't tell patients what to do or what their goals should be, they collaboratively work with patients to determine their desired outcomes and move them forward. A health coach is not a therapist or counselor. Health coaches do not diagnose conditions, modify dietary plans or advise on medications.
Can you describe the health coaching process?
The health coach collaborates with the patient inviting insights and clarity through inquiry and personal discovery. The focus is on the patient's desired outcomes, challenges and action plans for implementing lifestyle changes. Any changes the patient chooses to integrate in the areas of stress reduction, improved sleep, incorporating movement and mindset strategies are introduced one step at a time so that patients can slowly make changes that support a healthier lifestyle.
The Center for Functional Medicines approach to health coaching is more about asking the right questions while empowering patients to discover their own solutions and determine their own path for creating the health they desire themselves. The underlying belief is that all of us have the answers within and that there are inner blocks that get in the way of achieving our goals. Some of the approaches used in health coaching include intuitive listening, clarifying, empowering questions, brainstorming, creating action plans and accountability.
Why must I see a Nutritionist?
Functional medicine is a food first approach to medicine, meaning that food and nutrition play a central role in creating health. The nutritionist reviews the nutrition timeline with the patient to develop an understanding of previous nutrition plans, a persons' relationship with food, and nutrient deficiencies. The patient works with the nutritionist to develop a personalized eating plan that addresses nutrient deficiencies, supports a healthy microbiome, reduces inflammation, promotes a healthy body weight and identifies food sensitivities/intolerances and allergies.
Can all the tests be performed at Cleveland Clinic?
Most of the testing can be performed at the Cleveland Clinic location of your appointment. During your medical consultation, your physician will determine which tests are needed and then our nurses will review testing recommendations, instructions (for instance, fasting or non-fasting, etc.) and costs, if applicable.
Your financial resources and how much testing you want to do are taken into account and the plan for testing is reviewed with you. Testing is frequently done to assess nutritional status including amino acids, fatty acids, oxidative stress, vitamin levels, mitochondrial function, food allergies, and heavy metals. Many other tests are available, including genetic testing for a variety of conditions, hormone evaluations, bone health, gastrointestinal health, adrenal function and many others. Some testing can be performed at home with test kits to collect urine, saliva or stool. Our nurse will review the instructions for completing these tests at home.
While the testing gives a more complete picture of your status, effective care can be implemented without it, or testing can be done over time. You should not let this prevent you from seeing one of the doctors.
Do you communicate with other Healthcare Providers?
Yes, we will collaborate with your other healthcare providers to achieve optimal health.
Will I be prescribed nutritional supplements or medications?
Along with diet, nutrients and supplements may be prescribed to accelerate the healing process. We want to help you restore balance and health and will determine next steps and or therapies.
This depends on the individual patient's health – some treatments may take longer than others. Healing is a journey, and we are your guides to support you on your path to wellness.
How frequently do I follow up?
The first follow up typically occurs 6 - 8 weeks after your initial appointment. The first follow up appointment includes a 45 minute appointment with the physician and a 30 minute appointment with the dietitian. You can also choose to schedule a follow up appointment with the health coach. After the first follow up, patients typically return for appointments every 2 - 3 months until we have identified and healed the root cause of the disease. After the first 2 - 3 appointments with the physician, the patients will follow up with one of our Nurse Practitioners.
Yes, you can follow up with your physician or dietitian through a virtual consult. These visits are not covered by insurance. Follow up physician appointments are 45 minutes and cost $400. A 30 minute follow-up appointment with your dietitian is $49.
Cleveland Clinic's Center for Functional Medicine puts patients first by providing personalized Functional Medicine services and a therapeutic experience within an optimal healing environment.
Our environment affects our health. Special care has been taken to embrace WELL Building Standard™ (WELL) features in the design, building systems and selection of all finish materials and artwork. This includes everything from building materials to air quality to lighting and ergonomics.
Cleveland Clinic is dedicated to constructing healthy and environmentally sustainable buildings because we understand that environmental health and human health are linked. Cleveland Clinic takes a proactive approach to environmental stewardship and community health through our operations and construction standards. This philosophy led the Center for Functional Medicine to pursue WELL as an early adopter and to achieve WELL Certified™ Silver level certification in 2018 through the International WELL Building Institute™ (IWBI™).
WELL strategies have been incorporated into the overall design and operation of the suite. This includes providing optimal lighting (both outside access to light and use of circadian lighting design), use of nontoxic building materials and cleaning products and inclusion of ergonomically correct furniture. Cleveland Clinic chose to pursue WELL Certification because we, like IWBI™, believe that elevating human health and comfort should be at the forefront of building practices to create environments that are not only better for the planet, but better for people.
The WELL Building Standard focuses on the people in the building.
The WELL Building Standard™ is a performance-based system for measuring, certifying and monitoring all building features, including air and water quality, nourishment, lighting, fitness, comfort and mind.
WELL is grounded in a body of medical research that explores the connection between health and well-being and the environments where we spend more than 90 percent of our time.
It focuses on how buildings support human health and productivity by marrying best practices in design and construction with evidence-based health and wellness interventions. Certification confirms that the space is promoting health and well-being as it was intended.
IWBI™ identifies performance metrics, design strategies and procedures that can be implemented by the owners, designers, engineers, contractors, users and operators of a building to advance health and wellness.
WELL Certification is based on a thorough review of the existing research on the effects of indoor spaces on individuals, and has been advanced through a comprehensive peer review.
To achieve certification, there is rigorous onsite assessment and performance testing administered by Green Business Certification Inc. (GBCI) to ensure that feature requirements are met.


It has been USED! but remains in great condition like all Anastasiya costumes that have really "long life", no loose or broken beads, crystals are clean and fresh.
- Skirt - beautiful shiny china silk - double layer, circle cut, wired on the bottom, with a slit. Size: waist band - 25-52 inches, 35" - length.


We encounter people in uniform multiple times a day as we go through our regular activities. When we board a train and are greeted by a conductor wearing pressed work pants, visit the doctor cloaked in a clean lab coat, or purchase food to grill at our celebratory summer barbeques from a butcher donning a meat coat. In each case, the presence of a recognizable uniform evokes a sense of security and comfort and serves as a consistent reminder of the many people working hard to make society a better place for everyone. Police uniforms are one of the most important examples of this and the image presented by police departments has changed significantly over the centuries.
The earliest police departments in the U.S. did not issue uniforms to its members and police wore plain clothes and the only recognizable identification they wore, if any, was a badge or patch. As city populations grew, police began wearing uniforms so they would be easily identifiable to citizens needing their assistants. The New York City Police Departments was the first to outfit its force in uniforms in 1854 followed shortly thereafter by Boston and Chicago in 1858. Many of the earliest police forces outfitted their officers in surplus Union Army uniforms from the Civil War – beginning a long tradition of men and women serving our communities in blue.
Police shifted to work shirts and work pants in the 1960s and moved away from anything that would present a military appearance. This was done to help bridge the divide between officers and the communities they protect. In addition, the blue work shirt is easier to clean than lighter color shirts and the work shirt was a comfortable tool to help police do their jobs effectively.
Working Duds thanks all of the men and women in uniform who work hard to serve and protect us everyday.
Work Uniforms make the best Halloween costumes. No, really!


Look through the profiles of Member users here at Otaku Singles that are tagged with Golf. Talking to other members who have similar interests is a great way to come up with ideas to do once you are dating. Register for a Free Account to Find your perfect match!


For each developer who is uttered "I want I knew that sooner than i began writing all this code! " PROGRAMMING ADO demonstrates how one can shop time, write much less code, and construct more-powerful data-driven suggestions utilizing Microsoft(r) ActiveX(r) facts gadgets (ADO). within the book's first part, the writer expertly courses readers during the ADO item model-sharing his services as a Microsoft Developer help expert at the houses, occasions, and strategies that could current the best demanding situations to the ADO developer.
Visible uncomplicated is the most well-liked programming language in lifestyles. this present day, it really is envisioned that there are over 3 million programmers utilizing visible uncomplicated. it's also the preferred introductory programming language at most faculties and universities. this is often going to develop into much more frequent with visible easy .
Presents directions on upgrading Microsoft visible simple 6. zero functions to new types of visible simple, with info on making plans an improve undertaking, trying out an upgraded program, and deploying the recent program.
This publication dispels the parable that visible easy is simply too sluggish to put in writing an honest video game, giving readers the entire methods and strategies that they should create striking video games utilizing visible easy. providing equivalent components idea and hands-on routines, the chapters during this publication commence with a dialogue of finishing a role utilizing visible easy, after which circulation directly to improving the code.
You will be presented with the Actor dialog box. Under the Notes tab, click the Add button. Under the Type drop-down list, choose Description. In the Contents textbox, enter A dues-paying member of the software users group. After entering the description, click OK (see Figure 2-7). Click OK again to close the Actor dialog box. 25 Chapter2 A dues-pay1ng aeaber of the sof v~e users group I Figure 2-7. Adding a description 5. Repeat the procedures to add a Secretary and a Librarian actor. 6. From the Shapes toolbox, choose the Use Case shape and draw a Use Case shape on the design surface.
This indicates that a Member class may be associated with up to four instances of a Loan class (see Figure 2-19). Click OK to close the Binary Association dialog box. cle -- P' ,, novigolllo r '' novigolllo 3 lundofo'lotj .... ~- I Undolonod 3 IAeod r -... r n- ~ I o-1 Figure 2-19. The Properties tab of the Binary Association dialog box 36 Designing OOP Solutions: IdentifYing the Class Structure 8. Repeat step 7 to create a "contains a'' Association Link shape between the Loan class and the Item class.
Depicting aggregations Association Classes As the classes and the associations for a program are developed, there may be a situation where an attribute cannot be assigned to any one class but is a result of an association between classes. For example, the parts inventory application mentioned previously may have a Part class and a Supplier class. Because a part can have more than one supplier and the supplier supplies more than one part, where should the price attribute be located? It does not fit nicely as an attribute for either class, and it should not be duplicated in both classes.


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Bianca è il terzo studio album delle Dumblonde, duo dance-pop statunitense. L'album è stato pubblicato dall'etichetta discografica Double Platinum il 4 marzo 2019. L'album è stato anticipato dal singolo White Hot Lies, pubblicato nel luglio 2018, e che successivamente subisce il cambio del nome I .

Background
Dopo la pubblicazione del singolo White Hot Lies il duo annuncia che prenderà parte ad una nuova reunion delle Danity Kane e che il gruppo composto da Aubrey O'Day, Shannon Bex e Dawn Richard andranno in tournée per promuovere il loro nuovo album, il nuovo lavoro di Richard e nonché le canzoni delle Danity Kane. Il tour inizia il 28 settembre 2018 a Stamford e termina il 2 marzo 2019 a Seattle. Al termine della tournée con le Danity Kane, le Dumblonde pubblicano, il 4 marzo 2019, il loro secondo album.

Singoli
L'album viene anticipato dal singolo White Hot Lies pubblicato il 4 luglio 2018 , e che successivamente subisce il cambio del nome I.

Date di pubblicazione

Note

redpajama_set_name: RedPajamaWikipedia


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Princess's emotional goodbye to Zulu King
by: Cassandra Tanti
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Princess Charlene has travelled to her home country of South Africa to bid a final farewell to Zulu monarch King Goodwill Zwelithini during a memorial service broadcast from the royal palace.
The king died last Friday from diabetes-related complications and, according to some local media reports, had also tested positive for Covid.
King Zwelithini, aged 72, was the traditional leader of South Africa's 12 million Zulu people. His reign lasted 50 years, making him the longest-serving monarch of the Zulu nation.
He is credited with speaking openly to encourage public education to control the HIV/AIDS epidemic that was sweeping through South Africa in the 1980s and 90s.
The king was buried in a traditional midnight private funeral, known as "ukutshalwa kweNkosi", which was attended by only senior men of the royal family, many wearing leopard skins and colourful Zulu regalia.
Hours later, a memorial service was held at the royal palace, attended by an emotional Princess Charlene who was veiled in a black lace head scarf. Charlene Wittstock was 12 years old when her family relocated to South Africa from Zimbabwe in 1989.
After the rituals were performed on the grounds of the palace, the king's body was secretly laid to rest, marking the end of an era.
King Goodwill Zwelithini leaves behind six queens and 28 princes and princesses.
Photo by Phill Magakoe/Reuters
Princess saddened at loss of Zulu King
World's Best hotels right here in Monaco
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In Prince Albert II's absence, Princess Charlene
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Happy 45th birthday Princess Charlene! #monaco #
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Monte Carlo Rally départ in Casino Square! #mona
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I am looking into software solutions for managing my new business. Would it be better to go with software specifically designed for jewelry designers/jewelry sellers or go with an Excel spreadsheet, Quick Books or Quicken? If you suggest a software designed for jewelry design/sell type businesses, what kinds are available, more affordable, which are more user friendly and provide the best customer support? Where can one purchase your most highly recommended software and any costs (such as annual update fees)?
Your selection of a software program to manage your business should involve your accountant, if you have one. That is because if your accountant uses QuickBooks, for example, he or she may want you to use that software, too.
Depending on the size of your business, you might find that even Quicken (the "Home and Business" version) is easy to use for your business, as well.
The maker of both is Intuit, and their website www.intuit.com, advertises a free trial online which could help you decide if any of their products would meet your needs.
In terms of inventory management, which is just part of the management puzzle, the only software I have personally tested is Bead Manager Pro. This was specifically created for jewelry makers (not just bead jewelry makers) and will help you track costs, price your work, create invoices and market to your customers and prospects. They also offer a free trial, so you can check it out before you commit to buy. Some functions of Bead Manager Pro may overlap with Quicken and QuickBooks.
Customer support options vary from company to company and changes over time so it is recommended that you visit the individual company sites and carefully read their customer service and support policies and options.


One way to stand your cafe out from the crowd is with colour which can be used to complement your décor or as an accent colour to make your design style pop; and there's none more colourful than our matte apple green replica Tolix chair. Made from steel in the same way as the original, it's finished with a protective matte powder coating, lessening the chance of the chair marking and making it easy to clean with just a wipe of a damp cloth and mild cleansing agent.
Tolix chairs have been in existence since 1934 and at that time they could be found in all of the Parisian bars and cafes as well as hospitals and schools. Having lost their appeal several years later, they've enjoyed a resurgence in recent years with many café and bar owners choosing to use them for their business. In fact, with the popularity of the industrial trend within interior design, they continue to fly off our shelves.
You can pick up original Tolix chairs but if you're considering buying a bulk order for your cafe seating, then you'll be left with a huge dent in your budget. Thankfully, our replica Tolix chairs are much more affordable and look just like the originals, although they're only intended for indoor use. Why not pair our apple green replica Tolix chairs with oak table tops to give a look that is full of rustic charm. Or get playful and place several different coloured chairs around a large communal dining table for a look that is colourful and fun.


The Royal Institution of Naval Architects (RINA) Safer Ship Competition is an annual event intended to promote a greater awareness of the need for safer ships and to encourage the development of innovative ideas, concepts and procedures that will help to achieve this. The 2000 competition is sponsored by Lloyd's Register of Shipping.
Any individual or group of up to five individuals are eligible to enter the competition. However, existing products, devices, services or procedures will not be considered. Submissions should include evidence of originality identifying any similar work and, if so, what distinguishes the submission from this other work.


Since the Memorial Day holiday is round the corner .. what has everyone got planned?
I just got out of surgery on Monday and was told to relax and get plenty of rest. So I'll be in and out of bed.
@hhusted how did that go? I dont want to sound intrusive but do you need radiation or some such treatment? An aunt of mine is currently undergoing treatment for breast cancer in India and her surgery was also earlier this month..now she has been put on radiation treatment which will be followed by medication for the next five years..but its good to know you are feeling well enough to be back on your computer!
Feel better, @hhusted, and all the best of luck!
No plans thus far... I'm just assuming someone will make use of the backyard and the grill. I'll probably just go down and join them!
The surgery went very well. They had to take out a small part of the bone from my gum to the bridge of my nose in order to get all the cancer. I have to be careful I don't blow too hard or I'll rupture and start bleeding. Right now I have an apparatus installed in my mouth to replace the teeth I lost. So talking can be difficult at times. Sorry, if I am a bit too graphic. I'm sleeping much of the time. I'm only on my computer for about 3 hours in a day. At least till I get sleepy and tired again.
Barbeques on the horizon here. What else would one do on Memorial day?
It seems that people have left the city in droves, though! There is SO MUCH PARKING everywhere I go. My street is half-emptied of cars, something I haven't seen since Thanksgiving times. My guess is that, seeing as how the city lacks for decent beaches, people left to go to them? I'll try and question my neighbors when they return, to see just where they went.
I myself am going to go somewhere where I will be welcomed with a cold bottle of Cava and maybe some ribs? Pork ribs!
BarBQ and a couple of beers on a rooftop for me too. I guess there will be a lot of grilled meat in this city over the weekend, and I'm glad to take the day off and partake. It finally feels like summer!
@BroadwayBK ooooh a chilled bottle of Cava is my drink of choice as well!
Yowch! Feel better, @hhusted! Our thoughts are with you, that's for sure!
@Ajadedidealist: Thanks for thinking of me. You are so kind. I just had another procedure done at the hospital this week. So I am a bit sore. But the doctor told me I am healing faster than expected. That is a good thing.


Getting into exercise can be intimidating … but it doesn't have to be! Check out this guest post from Sharon Freeman on how to overcome exercise shyness, and get started on building a better you!
Women are shrinking violets when it comes to exercising outdoors.
According to British non-profit Mind, nine out of 10 women refrain from outdoor physical activity due to low self-esteem coupled with high self-consciousness. They tend to exercise late at night, if not pass up entirely.
Mind's findings back up a report by Deadline News contending that more and more Scottish women are patronizing 24-hour gyms to exercise at ungodly hours when crowds are sparse.
Psychologists have long compared the effects of outdoor exercise to those of antidepressants, which are used in treatment of anxiety and mild or moderate depression. But it can be hard to drive this fact to women, especially those who are stubborn.
Surveying 1,450 women aged over 30, Mind estimates that two out of three women feel conscious about their body shape when exercising in public. Sixty-percent of respondents feel nervous about their bodily reactions to exercise e.g. blushing, sweating and farting, as well as how their movements look like to others.
To cope with such insecurities, more than half of respondents admitted to exercising late at night or in the early morning hours. Nearly two-thirds prefer locations where they are least likely to meet people they know.
Hugh Mullan, who runs an all-day and all-night gym in Glasgow, was initially surprised by the late-night turnout in his facility. But he eventually figured this phenomenon.
"What we find is that a lot of women in particular are self-conscious and the idea of a 24-hour gym where they can come either early morning or late at night when it is quieter is definitely something that appeals to them," he said.
1. Try changing your mindset. Resolve to improve your health and practice ignoring your negative thoughts. Motivate yourself to exercise by thinking of family and friends, many of whom would want to see you live a long, happy, and disease-free life.
2. Get some company. Exercise with a friend. He or she can give you moral support and help you commit to your goals. There is strength in the proverbial numbers.
3. Enroll in a beginner's program. To minimize feelings of embarrassment, take a class tailored to your fitness level.
5. Skip the gym entirely. The money you cough up for months-long membership fees and travelling to the facility might be better spent on home equipment. You can work out in your own time, at your own pace, and without a trainer to micromanage you.
6. Don't forget dumbbells. In addition to resistance equipment, dumbbells are important to activate stabiliser muscles, resulting in muscle mass gain and enhanced metabolism. Start with light weights and work your way up; lifting heavy weights too soon only leads to torn muscles.
7. Some exercises can be done at home anyway. Jumping jacks, crunches, and band pulls can all be done in the comfort of your home. They are the perfect cop-outs from exercising outside.
8. Run inside. If you're not ready to jog outside yet, try doing it indoors. The trick is to run in place as fast as you can for 10 minutes. But you can always invest in a treadmill for your home.
When you're overweight or obese, you may feel being excluded by society because of your condition. But you aren't. Mind's survey underscores the fact that 90 percent of women, fat or thin, can empathise with you.
Even if other women don't share your timidity, choose to ease yourself into a healthy attitude of not caring about what others think. With your health on the line, strive to move just a bit every day. For now, it is better that you're exercising in the wee hours than not at all.
Just remember: Don't look pretty to exercise, exercise to look pretty.
9. Buy a bike! It's more fun than running anyway. Just ride it fast! Woohoo!


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Home Article Want to Know More About Google Discovery Education?
Want to Know More About Google Discovery Education?
aliraheem September 30, 2018 0 comments
Education has come a ways. Standard education isn't any more a problem in the nation, but greater education still remains a challenge. As opposed to spend all of your time hunting on the web for that applicable video or a quiz on such topic, Discovery Education has information it's possible to trust all in one location. The next time you should access Discovery Education, you are going to be in a position to just click the hyperlink.
In fact, in successful businesses like Google, studies reveal that individuals perform best when they aren't told what to do. They were conducted on its carcass to learn more about the animal. Additionally, there are studies that support the simple fact that television may boost intellectual improvement. Many researchers are investigating the brain's activities, however, because it's such a crucial portion of our lives. For quite a while, scientists had no concept that the chemical could work as a drug and fight cancer. Although they have been studying the human body for a long time, there is still much that is unknown about our anatomy and physiology.
The system concepts stay relatively constant, there isn't anything new under sunlight. When and where it's going to be adopted, it will deeply affect many vital characteristics of the educational ecosystem. Possessing an understanding of markets including Australia and America is fundamental to understanding how a lot more suppliers are very likely to join the current market and thus drive competition and choice. Additionally, Discovery has a group of educational curriculum experts on hand to be certain that all the materials are classroom-ready. Our pemf discovery is with-out doubt the most effective and efficient device on Earth!
The Ideal Approach for Google Discovery Education
By now you might be wondering how genetic information has the capability to propagate and behave in a specific way. More information is found below. Some sites suggest developing a Copper Ormus tincture, though Copper is poisonous to the body. First and foremost, the website is both educational and enjoyable! The website is uncommonly full of artifacts that reveal more concerning the lives of the long-gone inhabitants. Learning the many ways in which you can earn money on the internet and them implement one of them into an advertising strategy. So You've thought about attempting to earn money online, that's the very first step.
One of the absolute most effective and easy methods to make money online is with affiliate advertising. Obviously, how best you make usage of the bike or the online facility depends upon you. Once, you will start to use such a tool, you are going to be able to create payment links for your site. Each educational tool should offer measured effect.
All users may use the resources right on the website, and classroom teachers may also download them for future use. Now, lots of ecommerce based apps are there to help customers in internet shopping. Google has developed a methodology to produce the design process fast and still provide valuable insight. Previously, Google has said political ideology isn't a component in any facet of its search effects. Google does have a completely free version however, you can just listen to stations.
Immediate medical attention is critical in order to retain vision. Search promises to produce huge swathes of information that can be found, whereas discovery intends to make more relevant knowledge immediately accessible. Which means that in the event that you are searching to promote yourself or your small business, it's an excellent place to be active. If you're in the company of attempting to extract concentrated Ormus, you want to be vary careful of the pH balance of the tonic you're mixing. The product gives a connected learning experience for schools through offline and internet means. Consider what would force you to purchase the product if you came across it.
The train system provides a quick and efficient method of transportation for commuters. All goal techniques need the suitable motivation to implement. A superb goal setting process is just as effective as the individual hoping to implement it. The process was likened to a primitive type of agriculture and the slugs are called farmers. Even though the outcome of the mouse experiment are extremely impressive, some scientists are uncertain that similar results will be seen in humans that are given telomerase.
The issue is discovery, and it is a problem that all of us face day-to-day. It is, the asteroid belt is not like how it looks in the movies. It is that quicksand traps people. Just since there is a fundamental difference between the part of the classroom and the library, there's a fundamental dichotomy between search and discovery.


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ADA & Public Access
David L. Nye
Clark T. Stirling
Timothy Hale
Jonathan Miller
Holly Blackwell
Alison Bernal
Jordan Porter
Benjamin J. Sweet
Joel M. Walker
Meg Parker
Callum Appleby
Patricia Y. Miller
ADA & Public Access NSH&M
NSH&M has been a leader in the area of disability rights litigation on behalf of individual and institutional clients. The firm currently represents the American Council of the Blind in two national class action cases against Quest Laboratories and LabCorp, respectively, for those companies' failure to provide full and equal access to their facilities to Americans living with vision disabilities.
In addition, the Firm is currently lead counsel in several nationwide federal mobility disability class action cases asserting violations of the Americans with Disabilities Act. Practice Group Chair Benjamin J. Sweet has helped to shape disability law forward as Lead Counsel in a number of notable cases, including Heinzl v. Cracker Barrel Old Country Stores, Inc., Civil Action No. 14-1455, 2016 WL 2347367 (W.D. Pa. 2016) (certified class action which resulted in remediation of accessible parking facilities at more than 600 Cracker Barrel stores throughout the United States); Heinzl v. Boston Market Corp., 2014 WL 5803144 (W.D. Pa. 2014) (denying defendant's motion to dismiss putative class action brought on behalf of class of mobility disabled plaintiffs); Mellenthin v. Casey's General Stores, Inc., 2018 WL 999131 (C.D. Ill. 2018) (denying defendant's motion to dismiss putative class action brought on behalf of class of mobility disabled plaintiffs); Badger v. PREIT Associates, LP, 2017 WL 663570 (W.D. Pa. 2017) (denying defendant's motion to dismiss putative class action brought on behalf of class of mobility-disabled plaintiffs), among many others.
Mr. Sweet has also been a pioneer on behalf of institutional and individual clients in suits seeking improved digital accessibility, gaining important advancements as Lead Counsel in actions such as Gniewkowski v. Lettuce Entertain You Enterprises, Inc, 251 F.Supp.3d 908 (W.D. Pa. 2017) (denying defendant's motion to dismiss plaintiff's website accessibility claim and holding that a bank's website is a place of public accommodation since it controlled by the bank, the first time a Third Circuit federal district court so held); Access Now, Inc. v. Sportswear, Inc., 298 F.Supp.3d 296 (D. Mass. 2018) (holding that specific personal jurisdiction existed over non-resident e-commerce retailer who generated 3.78% of revenue from sales within the Commonwealth of Massachusetts); Suchenko v. Echo USA, Inc., 2018 WL 3660117 (W.D. Pa. 2018)(denying defendant's motion to dismiss and affirming the reasoning of Gniewkowski); Sipe v. American Casino & Entertainment Properties, LLC, 2016 WL 1580349 (W.D.Pa April 20, 2016) (denying defendant's motion to dismiss plaintiffs' website accessibility claim and admonishing defendant's counsel for his "bad faith" litigation tactics).
Practice Group Contacts
Email: ben@nshmlaw.com
Alison M. Bernal
Email: alison@nshmlaw.com
33 West Mission St# 201
Santa Barbara, CA, 93101
1145 Bower Hill Rd.
© Nye, Stirling, Hale & Miller LLP – Attorney advertisting


Before you install MIDAS, you will need to create a blank MySQL database on your server. The following instructions describe how to setup a MySQL database using cPanel.
If your server doesn't run cPanel, and has different server/MySQL management software, you may need to refer to the documentation that comes with it.
Alternatively, you can manually setup a MySQL database via the command line.


Tanning Lotion? 10 Reasons Why You Always Need To Use One.
A tanning lotion will prolong plus deepen your tan, protect your silky skin from damage, and speed up the tanning process. So you must use a tanning lotion of some sort every time you tan indoors. There are always many options for your tanning goals, skin type, and bank account.


Pearl balloons are a great decoration to add to any event. Balloons are a must have decoration for parties and other school events. Create clusters for the floor, hang from the ceiling, or make stunning balloon arches. The possibilities are endless! Pearl Balloons come in a package of 50.