Alphabet has already started to shed some of its less successful side projects, suggesting the holding company will only tolerate so much discomfort. In the past year, it sold satellite imaging firm Terra Bella and terrifying robotics division Boston Dynamics, while shuttering down solar-powered, internet-by-drone idea Titan and modular smartphone Project Ara.
Yep, cost control exists at Alphabet Google.
Several thoughts crossed my mind as I worked through this list.
Google is largely dependent on online advertising for its revenues. After 20 years of investing and inventing, the company still remains dependent on an idea inspired by GoTo.com. You know trend lines reveal quite a bit about the past and the future. This trend line suggests that Alphabet Google is an online advertising company with little success in diversification or leapfrogging.
Alphabet Google in into a wide spectrum of technologies. The unifying theme of these inventions, bets, or moonshots is not evident to me. The analogy is a person who has money betting on many different long odds lottery games.
Without doing any additional research, I think that Alphabet Google is demonstrating that some Internet start up ideas do not enable additional revenue streams by throwing money at many bets. The old Bell Labs pulled off this trick but so far Google has not been able to duplicate Bell Telephone's success in innovations that stick, then diffuse, and ultimately create new businesses.
Alphabet Google's principal mechanism for innovation is the thousands of former Google employees who have left the company and pursued their own ideas. A good example is the Xoogler magnet Facebook.
Also, will Alphabet Google be been able to match Amazon's revenue diversification?
Is Alphabet Google inventing the future? Yes, as long as it hires smart people who leave the company. The internal track record is interesting, but it has done little to allow the company to shake its addiction to online ad revenue.
What happens if that ad revenue softens, faces regulation in Europe and elsewhere, and erodes the online search value statement?
Has Alphabet Google's bets created a situation in which the company must dog paddle frantically to maintain the status quo?
Thiel continued that technology startups can be built anywhere, you just need the right people, money, and the right governance structures. He was surprised that so many technology businesses popped up in Silicon Valley, but that happened because of the number of mentors and entrepreneurship concentrated in one area. Innovators went where the action was happening. It is similar to how actors go to Hollywood and writers head to New York City.
Thanks to Silicon Valley, technology has changed the world, so the next venture company can be located anywhere. Take a guess about where the next big technology might be or if it will be spread out along the grid.
The answer is simple: Learning is the single best investment of our time that we can make. Or as Benjamin Franklin said, 'An investment in knowledge pays the best interest.' This insight is fundamental to succeeding in our knowledge economy, yet few people realize it. Luckily, once you do understand the value of knowledge, it's simple to get more of it. Just dedicate yourself to constant learning.
The standard excuse follows that in today's modern world we are too busy making money in order to survive to learn new things, then we are slugged with the dire downer that demonetization is making previously expensive technology cheaper or even free. Examples are provided such as video conferencing, video game consoles, cameras, encyclopedias, and anything digital. All of these are found on a smartphone.
Technology that was once gold is now cheap, making knowledge more valuable. Then we are told that technology will make certain jobs obsolete and the only way to survive in the future will be to gain more knowledge and apply, because this can never be taken from you. The bottom line is to read, learn, apply knowledge, and then make that a daily ritual. The message is not anything new, but does learning via filtered and censored online search results count?
One of the reasons some people are looking to move away from Duolingo is the recent introduction of in-app purchases. While the core functions of Duolingo are still free, the purchase options can give learners a boost when playing games — much like the bonuses and extra lives you can purchase on Bejewelled or other addictive gaming apps. Learners may become frustrated when they are prevented from working on a specific language skill or accomplishment because they ran out of 'hearts' or need to purchase 'gems' to continue. Other in-app purchases allow users to remove ads from their learning experience and to download offline content.
While there's nothing wrong with Duolingo charging fees for its services, it can be frustrating for those looking for a truly free resource. Other language learners simply do not enjoy learning through games. This is especially true for those who require industry-specific vocabulary or who already have a background in the language. Thankfully, there are many other online resources available for language learners. While you won't get the same kind of program as Duolingo for free, you can easily use these resources to put together a language learning strategy that works well for you.
Before getting to her list, Smith takes a moment to advocate for paid language-learning services, like Babbel. Basically, if you are serious about your language studies and can afford it, they are worth the investment.
The resource list begins with a compound entry, Online Communities; included here are Fluent in 3 Months, /r/LanguageLearning, and The Polyglot Club. Then there are Rhino Spike, Mango Languages, the Yojik Website, and, of course, YouTube (with a list of 10 suggested channels). Furthermore, Smith supplies a link to OpenCulture for more even options. See the article for more about each of these entries.
A recent Forbes article has started us thinking about the similarities between long-haul truckers and Wall Street traders. Really! The editorial penned by JP Morgan, "Informing Investment Decisions Using Machine Learning and Artificial Intelligence," showcases the many ways in which investing is about to be overrun with big data machines. Depending on your stance, it is either thrilling or frightening.
Big data and machine learning have the potential to profoundly change the investment landscape. As the quantity and the access to data available have grown, many investors continue to evaluate how they can leverage data analysis to make more informed investment decisions. Investment managers who are willing to learn and to adopt new technologies will likely have an edge.
Sounds an awful lot like the news we have been reading recently about how almost two million truck drivers could be out of work in the next decade thanks to self-driving cars. If you have money in trucking, the amount saved is amazing, but if that's how you make your living things have suddenly become chilly. Sounds like the future of Wall Street, according to this story.
Big data and machine learning strategies are already eroding some of the advantage of fundamental analysts, equity long-short managers and macro investors, and systematic strategies will increasingly adopt machine learning tools and methods.
If you ask us, it's not a matter of if but when. Nobody wants to lose their job due to efficiency, but it's pretty much impossible to stop. Money talks and saving money talks loudest to companies and business owners, like investment firms.
Silicon Valley, though, is insular and guarded. In my reporting, I encountered few people willing to speak openly, let alone critically, about Uber's troubles. Those who did (most of them, notably, women) argue that there's an opportunity for course correction right now. It starts by acknowledging that the Valley isn't yet the utopian meritocracy it strives to be—and that Uber's errant system exposed some fundamental bugs in the startup economy.
Carr identifies and discusses three of these bugs. First, that which makes a startup succeed often does not scale up well. For example, a confrontational culture that pits workers against each other might fuel a startup's launch, but becomes unsustainable in a large, global corporation. The second problem is the myth of the "omniscient founder." Though most of us realize that generating a brilliant idea does not necessarily go hand-in-hand with the capacity to run a large organization, much of the tech industry still seems taken by the foolish notion of one man at the top skillfully managing each and every aspect of the business. Carr points out that even Steve Jobs and Larry Page saw the wisdom in stepping back, and each tapped someone with more corporate experience to run their companies for a while. Not only is this hero-at-the-top attitude inefficient, it also risks the devaluation of every other employee. Talent does not stay where it is not respected.
If there really were healthy checks and balances, boards wouldn't wait for public outrage to act. But to acknowledge that Uber's system of accountability failed is to acknowledge that fundamental change—something Silicon Valley normally embraces—is necessary. If the Valley truly prides itself on moving fast and breaking things, it ought to start here.
We are curious to see how the industry will respond to such escalating criticisms.
QR Capital Management was probably patient zero when it came to opening up their code around data storage – and this move, shepherded by software engineer Wes McKinney, kickstarted the popular Pandas libraries project. Now he has returned to open source work at Two Sigma. We have also seen open source data storage offerings coming out of Man AHL in the form of Arctic. Taking part in a panel on open source infrastructure, McKinney said investment in an open source project yields dividends later: data storage underlies other verticals, and when other people use the software and build libraries on top of it, that makes in-house systems more compatible.
I feel a compulsion not to let open source projects die. But without sponsorship it can become hard to sustain. So when commercials ask me how they can help, I say sponsor an individual – to triage issues, do patches; that goes a long way.
So, what industry will be next to throw its weight behind open source projects?
Many of [these startups] are using creative financing maneuvers to conjure imaginary valuation figures that don't hold up to scrutiny, according to the UBC/GSB study, which examined 116 unicorns. It turns out, when you adjust the valuations to account for guarantees provided to preferred shareholders that dilute the value of common shares, nearly half of unicorns lose their coveted $1 billion status.
Here's how it works: In later funding rounds, startups will negotiate a higher share price, but as part of the bargain they guarantee their investors certain protections — such as earning a minimum return on their money or guaranteeing they'll be paid out in full before all other shareholders. 'Specifically, we found that 53 per cent of unicorns gave their most recent investors either a return guarantee in IPO (14%), the ability to block IPOs that did not return most of their investment (20%), seniority over all other investors (31%), or other important terms,' Gornall said. Even though this sort of thing has become normal, valuations haven't caught up to the fact that providing additional protections to senior shareholders lessens the value of common shareholders. Treating the shares equally can significantly inflate the overall value of the company.
Overvaluation can, of course, help a startup attract funding, talent, and customers. For employees, however, such tactics can end up devaluing their compensation packages. Both workers and investors should be wary of over-valuation trickery.
The International Business Times reported on the Unicorn conference "AI, Machine Learning and Sentiment Analysis Applied To Finance" that discussed how sentiment analysis and other data are changing the financing industry in the article: "AI And Machine Learning On Social Media Data Is Giving Hedge Funds A Competitive Edge." The article discusses the new approach to understanding social media and other Internet data.
The old and popular method of extracting data relies on a "bag of words" approach. Basically, this means that an algorithm matches up a word with its intended meaning in a lexicon. However, machine learning and artificial intelligence are adding more brains to the data extraction. AI and machine learning algorithms are actually able to understand the context of the data.
An example of this in action could be the sentence: "IBM surpasses Microsoft". A simple bag of words approach would give IBM and Microsoft the same sentiment score. DePalma's news analytics engine recognises "IBM" is the subject, "Microsoft" is the object and "surpasses" as the verb and the positive/negative relationships between subject and the object, which the sentiment scores reflect: IBM positive, Microsoft, negative.


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Home » Michigan » Lake Profile » Michigan Lake Profile – Michigamee Reservoir, Iron County
Michigan Lake Profile – Michigamee Reservoir, Iron County
Mixed bag awaits anglers on U.P.'s Michigamme
At 6,400 acres, the Michigamme Reservoir is the largest of 59 lakes in the Upper Peninsula's Iron County. From a fishery perspective, anglers catch a little bit of a lot of species with a spotlight on walleyes and northern pike. Panfish, muskies and smallmouth bass also attract a good amount of angling attention.
An impoundment on the Michigamme River, the reservoir rests in east-central Iron County, about four miles northwest of the town of Channing (Dickinson County).
The surface area of Michigamme Reservoir fluctuates depending on the amount of water allowed to drain over the Way Dam. In the summer it covers about 6,400 acres, but during winter drawdown it is reduced to about 3,700 acres.
The Deer, Fence, and Michigamme rivers, along with Margeson and Clark's creeks all feed the reservoir, which features about 125 miles of shoreline including several islands, points, bays and coves.
Michigan's Master Angler records indicate that six fish caught in Michigamme since 2016 qualified for recognition including two bluegills over 10 inches each, two pumpkinseed sunfish (11.75 and 9.75), a 14.13-inch crappie and a 12.75-inch rock bass.
The most recent DNR survey of the fishery in the reservoir turned up 15 species including 2,471 walleyes averaging 15.3 inches, and 1,861 northern pike averaging 19.4 inches.
"Walleyes in Michigamme Reservoir were represented by 16 year classes in our samples," DNR fisheries biologist Patrick Hanchin wrote in a summary of the survey. "…Thus, we conclude that natural reproduction of walleyes is sufficient to maintain the current population, although the current population density is below average to average compared to other lakes."
The survey also produced good numbers of white sucker (average length 19.3), rock bass (7.9), yellow perch (9.9) and black crappie (9.6). There were also fair numbers of bluegill (averaging 7.8 inches), smallmouth bass (14.7), pumpkinseed sunfish (7.0), burbot (17.6), largemouth bass (15.3), brook trout (11) and one 18.8-inch whitefish.
Although the survey didn't produce any muskies, local anglers do report catching good numbers of them.
Crawler harnesses and crankbaits produce good walleye action. Try trolling around the island in the northeast corner of the lake or along the steep breaks near the Deer River inlet at the west end.
Most fishing occurs during the warm-weather seasons, but there is also good ice fishing on Michigamme Reservoir.
There are several access sites on the reservoir including one off Channing Road and one off Way Dam Road.
Michigamme Reservoir
Nearest town………….Channing
Surface water………..6,400 acres
Water clarity………………Stained
Walleye, white sucker, northern pike, rock bass, yellow perch, black crappie, bluegill, smallmouth bass, pumpkinseed sunfish, longnose sucker, burbot, largemouth bass, brook trout, lake whitefish.
DNR district fisheries office (906) 875-6622, the DNR web site http://www.michigan.gov/dnr, Luckey's Sport Shop (906) 265-0151.
Tags: Bass, Crappie, largemouth bass, Northern pike, Perch, sunfish, Trout, Walleye

redpajama_set_name: RedPajamaCommonCrawl


How to Build Muscle – Part 2!
Happy Transformation Tuesday everyone! The picture above is my 4 year transformation from about 120 lbs to 225 lbs at a height of 5'8" (please forgive the hat and sunglasses combo, it was my first time on a boat and I thought I was cool LOL). During this time, all I cared about was becoming as big as possible. I have since made another transformation from 225 lbs to 185-190 lbs (way more comfortable at my height). I decided to post this transformation picture today because this post focuses on muscle building. Today is part 2 of my 3 part Muscle building series for this week. If you have not gotten a chance to read part 1, feel free to check it out here.
Part 2 will focus on 5 more simple tips that can be followed and implemented right away in your workout routine to start packing on some muscle as fast as possible!
I want to start off these tips with two of the most important aspects of muscle building. Sleep and Recovery. When you are training to build muscle, you are putting stress on your body. When you lift weights, you are damaging your muscles. The stress and damage to your body causes your body to adapt. However, your body cannot adapt without time to recover. Muscle does not grow in the gym, muscle grows while you recover. Too much stress too often will break down your body beyond its ability to repair and elevate your cortisol chronically. This can lead to muscle loss, fat storage, and other problems that you do not want to deal with. Make sure you take proper rest days and give your body time to recuperate. You should also aim to get at least 8 hours of sleep a night. Other beneficial recovery methods are: meditation, deep breathing, napping, massage, foam rolling, stretching, yoga, and contrast showers.
When performing your lifts, you should always finish your set knowing that you could have done at least 1 more repetition. While pushing yourself to failure will stimulate muscle growth, it will also burn the natural (non-enhanced) lifter out way too quickly and you will be forced to take time off. You will also risk injury if you push yourself to failure too often. You cannot gain muscle mass if you are forced to stop hitting the gym due to burn out or injury.
While machines do have their place, as a beginner you want to stick to compound movements with free weights. If you read Part 1, you know that you want to be utilizing the big, compound movements such as the squat, deadlift, Press (horizontal press and vertical press), chin ups, and rows for "heavy" weight because they incorporate a large degree of muscle mass over the entire body. Machine are used more for "isolation" (body part specific) movements, which you do not need to be focusing on at this time.
Your training sessions should be no longer than 1 hour to keep your anabolic (muscle-building) hormones high and catabolic (muscle-wasting) hormones low. After 1 hour you start to hit the law of diminishing returns and you will not see much benefit (and may even see negative effects).
I know that everyone is impatient. I have that problem myself. When I decide I want something, I want it now. So, I know that when you are reading this you are looking for ways to build muscle as fast as possible. One of my biggest pieces of advice is to stay consistent. Only consistency in your diet and training will allow you to reach your goals. Sticking to your goals will produce the most effective results. Stopping and starting or changing your methods too quickly will hinder or halt your results.
Stay tuned for Part 3 later in the week where I provide examples of muscle building workouts for beginners! Please subscribe if you want to stay up to date on future blog posts!!!


Washington and three other states are due in a federal courtroom in Montana this week as they try to stop the Trump administration from selling coal from federal lands over concerns about climate change. Attorneys for Washington, California, New Mexico and New York say the sales put the climate at risk and shortchange taxpayers. The states were joined by environmentalists and Montana's Northern Cheyenne tribe in a lawsuit that would revive a coal leasing moratorium imposed under President Obama. The Trump administration says ending the moratorium was critical for the economy despite falling demand for the fuel. U.S. District Judge Brian Morris is presiding over a hearing today in the case. He recently ruled in another case that the Trump administration must consider reduced coal mining to help combat climate change.


The 3D Modeling Gallery, the place where you download your favorite 3D models for 3D printing or Upload your favorite 3D models for others to download or buy. The market place is really heating up, there is new functions, new products new ways of downloading, cloud slicing and new ways of selling your digital content.
This is all great news of course, it means that the customer (user) is getting a selection of pretty dam cool models from a variety of content providers. Not only that it is allowing independent artists, designers and makers to create their own designs and sell them through these online galleries. Its pushing innovation and pooling the collective knowledge of artists, designers and engineers. 3D modelling sites have also given rise to great initiatives such as Enabling The Future which gives access to people who need prosthetic limbs that are affordable, functional and often very cool 3D printed alternatives.
Pinshape a Canada based 3D model gallery is user driven meaning that all of their designs are created by a community of designers, engineers and creators. Interestingly Pinshape also allows for users to stream 3D models from their site using 3DPrinterOS, a 3D printing cloud based system. This offers lots of IP protection for designers who don't want unauthorised copies of their designs on the market. 3DShook another 3D model gallery offers users a different option with a subscription service to access their 3D models that have been created in house by their design team and is guaranteed to print. Then there is cgtrader a 3D computer graphics model site that has be operating since 2011 and now has a dedicated section for 3D printing.
Of course many 3D Printer manufacturers have their own 3D galleries to support their printers such as the XYZprinting gallery and Thingiverse. There are other 3D model databases out there too, such as Yobi3D and Yeggi who are able to organise huge amounts of 3D models from the internet and store them in one place.
There is one certainty for the future 3D modelling gallery landscape, it's here to stay, it's likely to transform over the years but access to 3D model content is definitely going to shape how we buy, sell and use products.


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Die Cladonematidae sind eine ausschließlich im Meer lebende Familie der Hydrozoen (Hydrozoa) aus dem Stamm der Nesseltiere (Cnidaria). Es handelt sich um eine kleine Familie mit derzeit 21 Arten in vier Gattungen.

Merkmale
Die Hydroidpolypen bilden Kolonien bestehend aus kriechenden Stolonen oder einem aufrechten Stämmchen, an dem die einzelnen Polypen sitzen. Die Hydranthen sind spindelförmig mit einem Kranz von vier bis fünf capitaten Tentakeln. Es kann zusätzlich ein weiterer Kranz, weiter vom Mund entfernter, filiformer Tentakeln vorhanden sein, die sensorische Funktion haben. Die Medusenknospen bilden sich einzeln oder in kleinen Gruppen an der Basis der Hydranthen.

Die Medusen können schwimmen und/oder sich mit Hilfe der Tentakeln auf dem Substrat fortbewegen. Das Manubrium ist zylindrisch und kann perradiale Taschen aufweisen, die aber auch völlig fehlen können. Der Mund besitzt entweder kurze Lippen, die mit Nesselzellen besetzt sein können, oder er ist mit verzweigten Mundtentakeln besetzt. Die Anzahl der radialen Kanäle ist variabel, sie münden in den Ringkanal. Die Anzahl korrespondiert gewöhnlich, seltener übersteigt, die Anzahl der Randtentakeln. Die Randtentakeln sind hohl, mit einigen capitaten Zweigen, oder mit adhesiven Zweigen. Die Gonaden sitzen auf der Subumbrella und umgeben das Manubrium völlig, oder sie sitzen in speziellen Bruttaschen. An der Tentakelbasis sitzen Ocelli.

Geographisches Vorkommen
Die Vertreter der Familie sind weltweit verbreitet. Einige Arten sind auch im Mittelmeer beheimatet.

Systematik
Die Familie Cladonematidae wurde von manchen Autoren in die eigentlichen Cladonematidae und die Eleutheriidae unterteilt. In den neueren Arbeiten werden die beiden Familien vereinigt. Derzeit enthält die Familie folgende Gattungen und Arten:
 Cladonema Dujardin, 1843
 Cladonema californicum Hyman, 1947
 Cladonema myersi W.J. Rees, 1949
 Cladonema pacificum Naumov, 1955
 Cladonema radiatum Dujardin, 1843 (syn. C. mayeri Perkins, 1906, C. novaezelandiae Ralph, 1953 und C. perkinsi Mayer, 1904)
 Cladonema uchidai Hirai, 1958
 Dendronema Haeckel, 1879
 Dendronema stylodendron Haeckel, 1879
 Eleutheria Quatrefages, 1842
 Eleutheria claparedei Hartlaub, 1889
 Eleutheria dichotoma Quatrefages, 1842
 Staurocladia Hartlaub, 1817
 Staurocladia acuminata (Edmonson, 1930)
 Staurocladia alternata (Edmonson, 1930)
 Staurocladia bilateralis (Edmonson, 1930)
 Staurocladia charcoti (Bedot, 1908)
 Staurocladia haswelli (Briggs, 1920)
 Staurocladia hodgsoni (Browne, 1910)
 Staurocladia kerguelensis (Gilchrist, 1918)
 Staurocladia oahuensis (Edmonson, 1930)
 Staurocladia portmanni Brinckmann, 1964a
 Staurocladia schizogena Bouillon, 1978a
 Staurocladia ulvae Bouillon, 1978a
 Staurocladia vallentini (Browne, 1902) (syn. S. capensis (Gilchrist, 1918))
 Staurocladia wellingtoni Schuchert, 1996

Quellen

Literatur
 Jean Bouillon, Cinzia Gravili, Francesc Pagès, Josep-Maria Gili und Fernando Boero: An introduction to Hydrozoa. Mémoires du Muséum national d' Histoire naturelle, 194: 1-591, Publications Scientifiques du Muséum, Paris 2006 ISBN 978-2-85653-580-6
 Marymegan Daly, Mercer R. Brugler, Paulyn Cartwright, Allen G. Collin, Michael N. Dawson, Daphne G. Fautin, Scott C. France, Catherine S. McFadden, Dennis M. Opresko, Estefania Rodriguez, Sandra L. Romano & Joel L. Stake: The phylum Cnidaria: A review of phylogenetic patterns and diversity 300 years after Linnaeus. Zootaxa, 1668: 127–182, Wellington 2007  Abstract - PDF

Online
 Hydrozoa Directory

Einzelnachweise

Weblinks

 World Register of Marine Species

Hydrozoen
Hydrozoa

redpajama_set_name: RedPajamaWikipedia


SBS Gayo Daejun 2011 Part 2 on 29th December 2011!!
Guest List: TVXQ, 2PM, Super Junior, 2NE1, Girls Generation, Wonder Girls, KARA, BEAST, CNBlue, FT Island, Brown Eyed Girls, T-ara, miss A, f(x), Lee SeungGi, IU, Kim HyunJoong, After School, MBLAQ, INFINITE, Dal Shabet, Boyfriend, A Pink, B1A4, SECRET, 4minute, G.NA, SISTAR, Davichi, K.Will, TeenTop, Rainbow, U-Kiss!
SBS Gayo Daejun 2011 Part 1 on 29th December 2011!!
KBS Music Bank on 23th December 2011!
Guest List: Super Junior, Wonder Girls, B2ST, T-ara, CN BLUE, SISTAR, IU, SECRET, Davichi, Kim Hyun Joong, G.NA, HyunA, miss A, f(x), INFINITE, Boyfriend, A Pink, B1A4 and Dal Shabet!


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PART 10Advance Polling (continued)
Establishment of Advance Polling Stations (continued)
Transfer Certificates (continued)
Marginal note:Transfer certificate for elector with disability
168.2 (1) An elector who has a disability and is therefore unable to vote without difficulty in his or her advance polling station may apply for a transfer certificate to vote at another advance polling station in the same electoral district.
Marginal note:Application requirements
(2) The application shall be made in accordance with the Chief Electoral Officer's instructions.
Marginal note:Issue of transfer certificate to elector with disability
(3) An election officer shall issue a transfer certificate in the prescribed form, and provide the certificate to the person who submitted the application to the officer, if the officer is satisfied that the elector's name appears on the revised list of electors for the electoral district.
Marginal note:Signing, numbering and recording transfer certificate
168.3 The election officer who issues a transfer certificate shall
(a) fill in and sign the certificate and mention on it the date of its issue;
(b) consecutively number the certificate in the order of its issue;
(c) keep a record of the certificate in the order of its issue on the prescribed form;
(d) not issue the certificate in blank; and
(e) if possible, send a copy of the certificate to an election officer who is assigned to the advance polling station on whose list of electors appears the name of the person to whom the certificate has been issued.
Marginal note:Registration at advance polling station
169 (1) Every elector whose name is not on the revised list of electors may register in person, at the advance polling station where the elector is entitled to vote, before an election officer who is assigned to that advance polling station.
Marginal note:Conditions
(2) An elector shall not be registered unless he or she
(a) provides as proof of his or her identity and residence the piece or pieces of identification referred to in paragraph 143(2)(a) or (b), respectively, the piece or one of those pieces containing an address that proves his or her residence; or
(b) proves his or her identity and residence by making the solemn declaration referred to in subsection 549.1(1) in writing and is accompanied by another elector whose name appears on the list of electors for the same polling station and who
(i) provides the piece or pieces of identification referred to in paragraph 143(2)(a) or (b), respectively, the piece or one of those pieces containing either an address that proves that other elector's residence or an address that is consistent with information related to that other elector that appears on the list of electors, and
(ii) vouches for the elector by making the solemn declaration referred to in subsection 549.1(2) in writing.
Marginal note:Vouching for electors in long-term care institution
(2.01) If an elector who resides in an institution for seniors or persons with a disability wishes to prove his or her identity and residence under subsection (2), the other elector referred to in paragraph (2)(b) who accompanies him or her may be an employee of the institution who resides — despite that paragraph — in any polling division in the elector's electoral district or an adjacent electoral district.
Marginal note:Definition of employee
(2.02) In subsection (2.01), employee includes an owner of the institution and any person who occupies a management position at the institution.
Marginal note:Examination of identification documents
(2.1) The representative of a candidate may examine but not handle any piece of identification provided by the elector.
Marginal note:Registration certificate
(3) If the elector satisfies the requirements of subsection (2), an election officer who is assigned to the advance polling station shall complete a registration certificate in the prescribed form authorizing the elector to vote and the elector shall sign it. The registration certificate shall include a solemn declaration made by the elector that he or she is qualified as an elector under section 3.
Marginal note:Entry
(4) An election officer who is assigned to the advance polling station shall indicate on the prescribed form the names of the electors who are permitted to vote under this section.
Marginal note:Prohibition — registration at advance polling station
(4.1) It is prohibited for any person to
(a) knowingly apply to be registered at an advance polling station in a name that is not their own;
(b) knowingly apply, except as authorized by this Act, to be registered at an advance polling station to vote in an advance polling district in which they are not ordinarily resident;
(c) apply to be registered at an advance polling station to vote in an electoral district knowing that they are not qualified as an elector or entitled to vote in the electoral district; or
(d) compel, induce or attempt to compel or induce any other person to make a false or misleading statement relating to that other person's qualification as an elector for the purposes of the registration of that other person at an advance polling station.
(5) [Repealed, 2018, c. 31, s. 117]
2000, c. 9, s. 169
2007, c. 21, s. 30, c. 37, s. 3
Marginal note:Requirement before making solemn declaration — elector
169.1 (1) If a person decides to prove his or her identity and residence by making the solemn declaration referred to in subsection 549.1(1) in writing, an election officer shall, before the person makes the solemn declaration, advise him or her in writing of the qualifications for electors and the penalty that may be imposed under this Act on a person who contravenes subsection 169(4.1) or 549(3).
Marginal note:Requirement before making solemn declaration — vouching for elector
(2) If a person decides to vouch for an elector by making the solemn declaration referred to in subsection 549.1(2) in writing, an election officer shall, before the person makes the solemn declaration, advise him or her in writing of the penalty that may be imposed under this Act on a person who contravenes any of subsections 282.1(1) to (3) or 549(3).
Marginal note:List deemed to be modified
170 When a registration certificate is completed and signed in accordance with subsection 169(3), the list of electors is deemed to have been modified in accordance with the certificate.
Voting Procedure
Marginal note:Conduct of advance polls
171 (1) Except as provided in this Part, an advance poll shall be conducted in the same manner as the manner in which the vote at a polling station on polling day is conducted and shall be regarded as such for all purposes of this Act.
Marginal note:When advance polling stations to be open
(2) An advance polling station shall be open from 9:00 a.m. to 9:00 p.m. on Friday, Saturday, Sunday and Monday, the 10th, 9th, 8th and 7th days, respectively, before polling day, and shall not be open at any other time.
Marginal note:Notice of advance poll
172 (1) Each returning officer shall, not later than Saturday, the 16th day before polling day,
(a) give a notice, in the prescribed form, in the electoral district of the advance poll, that sets out the following information:
(i) the numbers of the polling divisions in every advance polling district established by the returning officer,
(ii) the location of each advance polling station,
(iii) the place where, for each advance polling station, an election officer who is assigned to the advance polling station shall count the number of votes cast at the advance polling station, and
(iv) that the counting of the votes cast shall begin on polling day as soon after the close of the polling stations as possible or, with the Chief Electoral Officer's prior approval, one hour before the close of the polling stations;
(b) send two copies of the notice to each candidate and to the Chief Electoral Officer; and
(c) make available to each candidate in the electoral district a map of the electoral district indicating the boundaries of each advance polling district and the location of each advance polling station.
Marginal note:Maps made available to registered parties
(2) The Chief Electoral Officer shall, not later than Saturday, the 16th day before polling day, make available to each registered party maps of each electoral district — in electronic form or in formats that include electronic form — indicating the boundaries of each advance polling district within the electoral district and the location of each advance polling station.


Trying to make debt an everyday topic is difficult. What's more, most people who are in my line of work have an accounting background. As such, there's a tendency to be more numbers-focused than say, story-telling, for example.
But a year ago, I came across an individual on my Twitter feed who was commenting on personal finance issues and the sorts of situations that my clients face. He's even got an impressive social media follower base because of it.
His name is Scott Terrio. He's a regular contributor to Macleans, BNN, and many more media outlets. I'm happy to share that he's also the newest member of the Hoyes Michalos team. Scott is our new Manager of Consumer Insolvency and he's our guest on today's podcast, as we talk debt.
One of the things that you've certainly written a lot about is people don't still grasp the whole concept of a consumer proposal.
Just as a refresher, a consumer proposal is a legal alternative to bankruptcy. You often repay less than the debt you owe and only a Licensed Insolvency Trustee can file a proposal on your behalf.
A consumer proposal is a deal and the typical kind of deal would be well, OK, you owe $60,000, how about you pay back $20,000.
It's understandable, though, that many Canadians wouldn't know this alternative exists. It's not something we like to think about on a regular basis. For a lot of people, talking out loud about debt doesn't happen as often as it should. To add to that, not a lot of companies have an incentive to inform either. A bank certainly wouldn't tell you. They just want you to borrow. A mortgage lender also wants you to borrow money. Same goes for auto and retail lenders.
There's a much higher population of people who don't want you to know about consumer proposals than people who do.
So that'll be our goal going forward, to continue educating the public on their debt relief options, and how they can better manage their money. To hear more of our conversation, tune into today's podcast.
Doug Hoyes: There are not very many people who work in the debt help business and are regularly quoted in the media or who are on Twitter or any other form of social media. That's not surprising. Debt is an uncomfortable topic. While the media likes to cover the more sensational stories making debt an everyday topic is difficult. On top of that most people in my line of work have an accounting background so we tend to be somewhat numbers oriented but that means we're often not very good at communicating stories.
But a year ago I started to see a name pop up in my Twitter feed and I started to notice that he was building a great reputation tweeting, commenting and writing about debt topics like those that affect my clients. Well, I'm happy to say that my guest today is now the newest member of the Hoyes Michalos team, our manager of consumer insolvency, Scott Terrio. Scott, welcome to the team and welcome to Debt Free in 30. Why don't you give our listeners a quick background on your situation, so let me ask you some quick fire questions here. So question number one, where were you born?
Doug Hoyes: Okay, I've heard of that. Where did you grow up?
Doug Hoyes: Okay, that's pretty close to here and then tell me about school after that.
Scott Terrio: Okay so after I left the burgeoning metropolis of St. Catharines I went off to the University of Waterloo.
Doug Hoyes: Yeah, I've heard of it.
Scott Terrio: So spent four years or so there, a little bit longer because I was in the co-op program and that usually means you intermix work terms with school terms after some period. Did a few kind of, you know, standard work terms that you do and that kind of thing so some government, some science stuff, whatever. And then when I graduated I ended up going straight to one of those jobs actually with the Ministry of Agriculture and Food, strategically located in downtown Toronto.
Doug Hoyes: That makes total sense, yeah.
Scott Terrio: Now it's in Guelph, they fixed that just after I left. So when I left there I went off to work for John Deere.
Doug Hoyes: The tractor guys.
Scott Terrio: As you do, yes. And I spent 14 years there actually.
Doug Hoyes: So what towns did you live in?
Scott Terrio: So I lived in Swift Current after doing a little bit of training and a lot of flying, probably spent 20 to 25 weeks a year in the United States on various trips. They like the trips. And then I spent two years in Swift Current, less a day as I like to say for good behaviour. They sent me back to Ontario and I took over a territory right in south central, right here basically, around this area Kitchener-Waterloo.
And spent about five, six, seven years doing that before I got moved into the head office in Grimsby to start up a new it was called a sales support centre where we kind of handled dealers all across the county. And it was keeping things consistent in terms of marketing and sales and dealer development, that kind of stuff. So, it was quite a broad view of things of a very, very large company.
Doug Hoyes: Excellent. And we're going to get to what happened after John Deere next so I should tell the listeners that Scott and I first met in person over a coffee way back in well July, 2017, I guess not that long ago.
Scott Terrio: It doesn't seem that long ago now.
Doug Hoyes: Because again I'd seen you on Twitter, I'd seen you all around and I thought I should meet this guy so we went and had a coffee I guess it was at the Starbucks inside the Longos in Brampton there, just beside my Brampton office. And at that time you told me hey, I'm quite happy, I'm working as an estate manager for a smaller insolvency firm in the Toronto areas so I said that's cool. We continued to, you know, we connected regularly on Twitter, you know, and then as sometimes happens life kind of threw a curve ball that ended well luckily for me with you becoming part of our team here at Hoyes Michalos. So, perhaps you could describe a little bit about how you came to be a part of the team here at Hoyes Michalos.
Scott Terrio: A win/win, yes. But to make a long story short I had a mentor at my former firm who was a great guy, really excellent with clients, the best kind of person you can imagine at this kind of business where a lot of things are viewed as very negative and making people feel about themselves and hey, this is just a bump in the road kind of thing. So I hopefully picked up a lot of that from him.
He took a long term illness, an older fellow, and ended up passing away last May after having been off for a better part of two years and two bouts of cancer. So, what happened as a result of that was I got thrown kind of to the wolves because I was covering not only two or three offices but all four and great exposure to a sound and thorough dunking into the waters of insolvency.
So good that way, but to make a long story short, that misfortune, that health misfortune of his along with a number of other administrative issues, lead to the dissolution of that firm and I don't even know the full story there. But the gist of it is the place I was working at is no longer and here I am working at Hoyes Michalos.
Doug Hoyes: Well and when all of this happened you and I started chatting again and, you know, we had lunch I guess it was in November just down the street, we're recording this in our Kitchener office right now. And, you know, we started to talk about how you could continue helping people from here at Hoyes Michalos. So what was kind of going through your mind then? Because you worked for a big organization in John Deere.
Scott Terrio: 45,000 employees worldwide.
Doug Hoyes: We're not going to send you to the United States or anything as part of what we do. So, how did that kind of all fit into your thinking of well, do I want to join you guys? You obviously had lots of other opportunities.
Scott Terrio: Right. Well, you know, I spent a long time at John Deere and then another eight years at my former firm. So, I think I brought a lot of my sales and marketing and people skills from John Deere into what I did in insolvency. And so, that combined with my mentors tutelage meant that I was pretty keen on not only helping people but also it was kind of fun teaching people. Because when clients come in that's really what you're doing you're fixing their problems, but if you do it right you're also making them feel a little bit better, right, because they're pretty down.
You know, they kind of teach their family members well you shouldn't – don't sign any joint debt with anybody, kind of the basics, right, that really society doesn't teach people. You know, you don't get that in school, you don't get it – I think anybody who knows that stuff, knows it, you know, a parent who has looked after them and said this is what you want to know about money and that kind of stuff.
So a lot of this is educational from my standpoint and partly how I got into doing media stuff was not only looking at what you were doing successfully but also saying hey, you can get your message out to people, you know, and really teach them the basics about stuff they should do, stuff they shouldn't do when it comes to consumer credit, debt and stuff like that and it's a really great vehicle for that.
Doug Hoyes: Yeah and I think that's probably the main reason I wanted you on the team, you and I seem to have a similar approach to that sort of thing. There is stuff people don't know. I mean the reason I have done, I don't know 179 episodes of this podcast or whatever it's been is to get the word out about what people don't know. I mean you're a great communicator and as I said at the start I see you on TV all the time and I think you've got a great way of explaining these concepts to people. You know, and I also asked around and I get the impression individual people really respond well to your down to earth approach.
So walk me through – we know what you've done in the media and we'll talk about some of the places people can kind of read what you're up to going forward. But you're certainly going to be meeting with a lot of people while you're here. What's it like when someone comes in to meet with you? So they go to the internet, they find the hoyes.com website, they fill out a form, they send us a message, they call us in and we say yeah, great you're in the Toronto area, why don't we book you to come in and see Scott because you're primarily going to be working in Toronto. So someone comes in to see you, what happens?
Scott Terrio: Well, I like to take a, you know, kind of a warm and casual approach with people. You know, sometimes you get people coming in with a real mess of complicated problems, maybe there was a small business that's closed and now they're facing the things that come with that, the business tax debt, that kind of thing plus all their consumer debt so you got a real complicated mess. Other times it's more, most of the time, it's just consumers with more debt than they should have ended up with more debt than they should have ended up with and maybe they should be doing better than they are.
But when somebody comes and sits down with me, whether I have spoken to them on the phone or not previously, I just say tell me what's going on. It's open ended, right? Like I just want to get people talking and I want to spend a lot of time listening at the first sort of half of the meeting and then the second half I do a little bit more talking because here's where we're at and here's, you know, we're narrowing your options down here, right. Because you might have four options when you walked through the door but I know now it's only two really because realistically here's what we're going to do.
And as you know you've met with more clients than I have but I think I've probably met with somewhere between 3,500 and 4,000 clients now and you can tell pretty quickly what direction things are going with a lot of experience. But we also send a lot of people away, right? That's partly what trustees do, our job legally is to explain everybody's options and not to railroad them down a certain way.
And so, you know, somebody comes in and they've got a lot of home equity and a little bit of debt, well we're not going to have a conversation about insolvency for very long, right? You're going to get a well rounded overview of where you're at and what your legal rights are, what kind of things you should be doing as far as, you know, first step, second step, third step. In other words, you know, you can maybe file a proposal but that's not your first shot, right? You might want to talk to your banker first, maybe tap your home equity; maybe you have family members that can help you out with stuff. Like there's a lot of things that people can do before we get to insolvency.
Doug Hoyes: Yeah and I think that's the key point because of all the people who contact us, at most about a third of them are going to end up filing a consumer proposal or a personal bankruptcy which means okay two thirds or more are going somewhere else. And you're right it could be you've got a lot of equity in your home, so maybe you can refinance and pay off your debts that way. Maybe it's a tax issue you've got and if you have a tax person go through all that and get all that cleaned up, maybe you don't have that problem anymore and you don't need to see us. So, it really is a fact fining mission at the start to figure out what the possible different options are.
Scott Terrio: Yeah and even if you've spoken to someone on the phone on an occasion when they come in and speak with me specifically, you'll find out more anyway. When they come in and they bring in all their papers and you realize oh there's also this and there's that. So that might change things too, right, you might have thought well maybe this is going to end up this way and it might not once you realize what's going on.
And part of the trick to this stuff like I said is getting people talking and finding out kind of a well rounded view of them, it isn't just debt, right? It's what do you own, what have you done in the last couple of years, like I want to know people's stories like what's your employment been like, right? Maybe you lost a job and then you got another job again but for those six months that you were off maybe some of that debt was run up by necessity. To me that's kind of the stuff that kind of colours the story a bit. And so as your, you know, as your potential insolvency person I want to know that because I want to know that this has into been, you know, a lot of people think that people running up debt in a very sinister way, right?
But 90% of the time or more it's just people having life happen to them. Even the opening wording of the bankruptcy and insolvency act is an honest but unfortunate debtor. It's not meant to be punitive. It's meant to be rehabilitative in nature. So, if you take that approach with people and build some trust early with them right then I think you can get them going down a path.
Doug Hoyes: Yeah and I look at what we do kind of like what a dentist does. I mean the dentist isn't going to say for the last 20 years, you've eaten too much chocolate and too much sugar and now your teeth are bad and you didn't floss three times a day. Well, okay but stuff happens, people get cavities, you know, people play hockey and get their teeth knocked out, I mean that's just kind of the way it is.
Scott Terrio: No point playing the blame game. You're the one holding the drill.
Doug Hoyes: That's right, we're not having arguments with the dentist, it's much more important to focus on tomorrow rather than yesterday.
Doug Hoyes: So okay, regardless of why you're in this situation, what can we do going forward? One of the things that I think you've certainly written a lot about and people can see a lot of your writing in places like Maclean's for example and well, give me a couple of the other publications.
Scott Terrio: Maclean's, MoneySense and Canadian Business are the three, they're affiliate magazines but they're different – they tend to be different readerships. So depending on the article you write, I mean I'll just write an article because I want to, I'll just think of something interesting and write it and then I send it in and they say this is more appropriate for this or what or whatever. Those are the three that I have been working with for the last year or so.
Doug Hoyes: And you got lots more coming up with them.
Scott Terrio: Yeah I was just going to say we can drift a little bit here. There's some big news coming out on that from our end. So you'll be seeing more of that stuff let's say that for now as just recently here so that's good. But yeah it kind of gets – you know, it's a mixture of interests stuff with a little bit of technical, not too much.
Doug Hoyes: Well, I know one of the things that you've written a lot about, as I have too because people in our business tend to focus a lot on this is people don't still grasp the whole concept of a consumer proposal.
Doug Hoyes: And to you and me it's kind of obvious because it's a pretty simple thing.
Doug Hoyes: But the average guy on the street understands, thinks they understand what bankruptcy is, they probably don't but at least it's been a word that's been around for hundreds of years and so on. Whereas a consumer proposal is a much new concept and I think both you and I in the past have been quoted as saying yeah, it's one of those things that, you know, it's I don't know the way you phrase it, it's one of the best kept secrets.
Scott Terrio: That's exactly how I phrase it, yeah.
Doug Hoyes: So, why do you think that is? Well, first of all give us the, you know, the one or two sentence of what a consumer proposal is. I think everyone listening to this show knows what that is.
Scott Terrio: Right, so a consumer proposal is a legal alternative to bankruptcy, that's usually my catch, you know, answer and, you know, it's under the bankruptcy act but it's not bankruptcy. It doesn't really involve anything that a bankruptcy involves other than getting rid of your unsecured debts in a different manner.
Doug Hoyes: Yeah it's under the bankruptcy and insolvency act.
Scott Terrio: Some people will understand it as a Chapter 13, right, because of course we get so much of our spillage over from the US and people phone me up and say I want to do a chapter seven, well bankruptcy it's not called that here. That's fine terminology. But it is a personal restructuring I would say, some people, it's better explained to them that way. So you take your debt and you make a different deal legally.
Doug Hoyes: It's a deal, that's a good word.
Scott Terrio: It's a legally binding deal. It's done through courts. Nobody goes to court but it's done through the courts and it's filed with a licensed insolvency trustee.
Doug Hoyes: And it can only be filed through a licensed insolvency trustee.
Scott Terrio: Yep, nobody else. People will present that sometimes that way but yeah that's the only way it's done. And what you're doing is saying to your creditors is I can't handle this unsecured debt load with all of its minimum payments and interest and everything the way it's at right now.
Doug Hoyes: And unsecured debt means? Give us an example.
Scott Terrio: Yeah, so Visas, MasterCards, unsecured lines of credit, so non home equity lines of credit.
Doug Hoyes: So, not your mortgage, not your car loan.
Scott Terrio: Not your mortgage, not your car loan, anything where there's an asset tied to it is secured, so that's different and anything that is in your wallet is unsecured I would say, income tax is included, if you owe income tax arrears.
Scott Terrio: Payday loans, those are all unsecured. Anything that doesn't have an asset tied to it where if you don't pay the creditor has no recourse other than to sue you really.
Doug Hoyes: And again if you've got a car loan that you can't pay, well, okay you can give the car back and then do a consumer proposal because at that point it's not attached to the car anymore.
Scott Terrio: Right, so the shortfall, the $10,000 shortfall, that goes from formally being secured to unsecured, that can go in your proposal.
Doug Hoyes: So it can deal with pretty much all forms of debt and it's a deal and the typical kind of deal we would do would be well okay you owe $60,000 and how about you pay back 20. And I just made up those numbers because every case is different. It's whatever we can get people you owe money to to agree to.
Scott Terrio: Right and trustees have enough experience doing this stuff. As you know we can tell partly by the mixture of creditors, right, some creditors respond differently to they want a higher percentage of return, others don't. And that's part of the, you know, as I said earlier when someone sits down to meet with you and within the first 10 or 15 minutes if you've done enough of these you can kind of see which way it's going. And if it's going down the proposal route you can kind of know okay, here's roughly what you're going to be looking at here because of various factors.
Doug Hoyes: Yeah and the math we're doing is we look at if you were to go bankrupt what would the creditors end up getting? And so in a bankruptcy the more money you make the more you've got to pay, if you have lots of equity in your house for example you'd end up losing some of that. So, we do that math, well the proposal has to be a little bit more than that or they might as well just have you go bankrupt. And you're right, we know that this particular bank they're always looking for this many cents on the dollar, whatever so it's fairly easy to craft a deal.
And so for the average person, well not the average person, the average person who would be contacting us who perhaps owes 50 or $60,000, we can often work out a deal that, you know, they pay off $20,000. No interest over a period of four or five years, something like that.
So with that background, here's my question that was just a preamble, that wasn't my real question, this is the actual question that I'm asking you. And that is so, that sounds pretty good to me, you know, instead of paying back 60 plus interest over the next 10 years which is going to cost me $120,000 I can do a deal where I pay back $20,000. I mean yes, okay there's going to be a note on my credit report that I filed a proposal but once the debt's gone I can start rebuilding, so paying $20,000 sounds a lot better than paying $120,000. Why do people not know about this, why is this not a thing?
Scott Terrio: I don't think insolvency in general is on many people's radar, you know. Before I came to this business I probably knew just kind of what you were saying earlier which is I kind of know what bankruptcy is, right? Okay, I'm going to lose my house.
Doug Hoyes: I lose everything.
Scott Terrio: And I had worked in a fair bit of what you'd say financial sophistication, that might sound snotty, but with John Deere, so I thought I knew a fair bit about money because that's a fair bit of what that is, and still didn't know anything bankruptcy. And so of course I would know that much less about proposals because, you know years ago there were more bankruptcies filed than proposals and now it's kind of back to – it's more 50/50 now because people do get exposed to the existence of these things and you and keep your house and all the good and things about doing a proposal, the numbers are creeping up and they're about even now.
Doug Hoyes: Well, yeah in fact in Ontario there are now more proposals filed than bankruptcy and at our firm here yeah definitely we file more proposals than bankruptcy.
Scott Terrio: Sure. Because if you put that in front of people as an option, often times they don't know about that. They come in and say I'm in a lot of trouble here and they might think I'm going bankrupt. But we say you might not have to do that and it's always a better route out in a proposal because you're not going to get a bankruptcy rating and all that stuff.
So, I think it's the best kept secret in Canada, I think you're right on that. That's the phase I use. Why it's a secret hard to say but it's probably just because, you know, 100 and what 125, 130,000 people a year file insolvencies, personal insolvencies in Canada and, you know, that might be more in peak years but it's still a very small drop in the bucket compared to what 35 million people, whatever.
And I just think that this is not something that people come across in their daily lives and it's also not something that people don't want to think about and that's partly why people get into so much debt, right? You look at the consumer debt levels now and people just put this out of their minds and they kind of go on and they go on and they go on and they kick the can down the road and 20,000 in debt becomes 30 and 40 and then it just becomes a fixture in your life and so you might go five years paying minimum payments and where do you start, right?
Doug Hoyes: Yeah and you're right, if you've never been in that situation then you wouldn't be aware of it. If I was to mention some strange medical condition that you'd never heard of, you'd go yeah I don't know what I should do if I had that strange medical condition.
Scott Terrio: And likely never going to happen to me.
Doug Hoyes: Right, yeah. You know, whereas if I just got over having the flu, well then I know exactly what the flu's all about and what I should do and need to recover and so on and so forth. So I think for a lot of people they've never been in that situation.
And I guess the other part is who has the incentive to let people know that consumer proposals exist? Well, not the banks they want you to borrow money, not the mortgage lenders because they want you to borrow money, not the car financers because they want you to borrow money, the retailers they want you to borrow money.
Scott Terrio: There's a much higher population of people who don't want you to know about it than people who do.
Doug Hoyes: Right and maybe it's not so much a case of them not wanting you to know about it, they want you to borrow though. They have no incentive to publicize it. And I think that's the reason that I think you're going to be a great fit here at Hoyes Michalos because that's what we're trying to do is get that word out. Yes, there is another solution here.
Scott Terrio: It's just education, right? Again, we're back to the word education that I've written in my chicken scratch in my notes here. And, you know, it doesn't hurt to know stuff. Just knowing about a proposal, so what you don't have to file a proposal. But the thing is I do a lot of presentations and stuff like that too to various groups and what will inevitably happen is if you speak to an audience of 200 people about proposals they're all taking notes and usually my presentation is only about 20 minutes, 30 minutes but I'm there for 90 minutes. I'm doing 60 minutes of questions after. And then they buttonhole you at the door on the way out.
So, if I go do a presentation at 7:00 I tell my wife I'm not coming home until 11. I'm not going to get out of there, I'm going to give out about 50 business cards and I think people see this in others. So the proposal might not be for the group you spoke to but they all know 50 people and when they go to a dinner party with their friends everyone talks about housing and debt, that's what they talk about, right?
Scott Terrio: So, I think people end up saying you know what, that's interesting. I've got a friend who's in a lot of trouble and they would never touch a bankruptcy but they might do this because this is a way out that's a softer landing, it's a whole bunch of good things.
Doug Hoyes: Yeah a bankruptcy sort of has finality to it which in a lot of case is good. If you've got a broken leg you need to put a cast on it, you have no choice. But with a proposal it is a negotiated settlement so you're not forcing it on the people you owe money to. We go them and we say hey, we think this is fair, they have the opportunity to come back and say yes or maybe we' like a few extra bucks or whatever and then the majority has to agree. And I think that's why people feel a lot better doing a proposal because okay, I worked out something and we all agreed to it.
Scott Terrio: Well, a lot people use the term I didn't ditch my debts. And that may not be legally accurate but that's how they feel so it's accurate. So I think people feel a proposal is as you say I came to an agreement with my creditors. And they said yes and so everybody's kind of happy here because it's good for the person filing because they're out of their debt as you said maybe as much of a 70% discount on principle, which is huge, right?
Doug Hoyes: And no interest.
Scott Terrio: And interest is even bigger. I always tell people oh geez that's a lot, I save 70%, well, yeah but you also save 100% of future interest and you can basically double that debt over 10, 20 years, right?
Scott Terrio: So the interest is just as big of an impact if not more. And people feel like they've made an agreement and everyone is involved. And you also don't get the negative connotation where, you know, I just kind of said I'm out of here. And so, you know, that's how people speak, that's the kind of terminology they use so I like to use it too instead of getting bogged down with too much technical. I mean if you want some more detail you can read one of my pieces. But that's – when you sit with people, there's none of that, you just say okay, what do you got going on? And you make it conversational, we end up having laughs sometimes.
Like it's not – it isn't like a grilling and it shouldn't be. The person should walk out the door I'm going to get out of this pretty well here and I trust this person. Because there's a real wall, a veil, in this business between the public and us that geez, when I go in those doors they're going to put a shackle on my legs and I'm not getting out of there and it isn't like that.
Doug Hoyes: No, not at all. I mean out of a group of 200 adults, one of them is going to have to file a proposal or a bankruptcy this year. So, it's not everybody but it's also not something that no one has ever been through before, it becomes a lot more common.
Scott Terrio: No and also I tend to say too that a proposal is far more people than they think. So yeah 165,000 or 70,000 a year might file proposals but I think if everybody knew about these, and it wouldn't be five out of 10 Doug but there's going to be people that say that fits me, like that fits what I'm going through here, right? Because again it's a softer landing, there's a lot of good things about it, you get to keep assets, right?
Doug Hoyes: Well, you know exactly what your payment is because once the deal is done that's the payment, that's what you're paying.
Scott Terrio: And there's a finish line.
Doug Hoyes: And there's a finish line, exactly. So if you start working some overtime and can pay it off quicker, great it's done.
Scott Terrio: Or if you just see it right through to its conclusion, every payment you make, you're that much closer to the finish line. If you pay $300 every month you're 300, next month you're 300 less or not 300 less to pay that month but overall, right? It's diminishing at a regular rate, you know when the finish line is.
Doug Hoyes: Opposed to just paying interest and owing the same amount next month. Well, I think that's excellent and I think we've given everybody a flavour for what you and I and the rest of the team hopes to accomplish over the next coming years and that's to get the word out there that yeah there are other solutions. And I know that there's lots of people out there who are, you know, debt consultants and they're putting all these crazy claims out there but in a lot of cases all they're really doing is charging you money to then refer you to a licensed insolvency trustee. So you're better off coming right to the source and being done with it.
So, how can people find you then? So let's start Twitter you've got like 10 million followers, I might be exaggerating a little bit.
Scott Terrio: Yeah you are. So it's @scottterriohma. That stands for Hoyes Michaels and Associates.
Doug Hoyes: @scottterriohma so there's three t's in a row then when you spell it out.
Scott Terrio: Yeah, if you think you put to many t's you haven't.
Doug Hoyes: scottterriohma and then obviously people can email you at sterrio@hoyes.com. And then you mentioned it earlier but where are some of the places that people can be looking out for some of the stuff you're going to be doing in the coming months.
Scott Terrio: Right, okay. So as I said I was mentioning that with the Maclean's, MoneySense, Canadian Business group, we're going to actually be having a regular column possibly monthly, possibly every two weeks. What that will be, it's going to take a form, it's going to be Q&A, which is nice because they've got a big – it's Rogers Media, they've got a big umbrella for viewers and readers. They told me, it's incredible how many.
Doug Hoyes: A billion, a billion people.
Scott Terrio: They're going to ask their viewers and readers what they want to know about consumer debt and credit and that kind of personal finance stuff. It will be around debt though. That will be the thing. And we're going to put in maybe one or two, probably two questions every time because one might not suit and you might look at the second one and think that one pertains to me or someone I know. And I will give a detailed answer on what, you know, all surrounding that issue, whatever issue you brought up. I'm going to say you've got this not quite right it's a misconception or something and then here's what you can do to, you know, to handle the situation.
Doug Hoyes: Yeah and there's so many misconceptions out there. I mean I look at the comments on our Facebook page and every single day someone puts well, consumer proposal, it's exactly the same as bankruptcy. Okay no, no it isn't, in fact it's not the same at all. Yes, they're both under the same umbrella of the bankruptcy and insolvency act but there's different time periods and credit reports. You already talked about different ways to deal with assets and so forth. So I think that's going to be great having all those things out there and of course you also do your, you know, if the TV station calls you're there as well.
Scott Terrio: I was there on Friday on BNN.
Doug Hoyes: There you go.
Doug Hoyes: Everything I read on the internet is true Scott. I don't know what you're talking about here.
Scott Terrio: Some of the stuff that is – people are advised on the internet is just phenomenal. So part of it is just dispelling some of that too, right, because, you know, there are facts and then there is the internet.
Doug Hoyes: Yeah, fake news.
Scott Terrio: Yeah, so part of it is just strictly educational in terms of saying okay, here's a typical scenario and a question from a reader and here's why that, you know, here's the parts that are accurate, here's the parts that are inaccurate, here's the things that you can do. You know, and whether it's through a trustee or not it doesn't matter, I'm going to answer the question and it's going to be, you might have to go elsewhere to do this, maybe a proposal is for you, whatever. It isn't going to be a, you know, a selly pushing thing, it's just going to be educational, right?
Doug Hoyes: Yeah, we're going to try to stick to the facts, which is exactly what we want to do. So, for anybody listening who is not following Scott on Twitter already then scottteriohma is a good place to do it. Obviously you can follow the Hoyes Michalos Twitter account as well because we'll be tweeting all that stuff as well and I do the same thing at doughoyes so lots of information out there so I think it's going to be great. Scott, thanks very much for being here.
Scott Terrio: Thank you, Doug.
Doug Hoyes: And I think that's a great way to end the first of that will no doubt be many appearances from Scott here on Debt Free in 30. That's our show for today. As always a full transcript and links to everything we talked about today including links to contacts Scott Terrio can be found at hoyes.com.
And by the way if you haven't checked out hoyes.com lately about a week go or so, we're recording this just at the start of February, we unveiled the new hoyes.com website. It loads fast, it looks great on any device you use but most importantly all of our content is easier to find and it's easier to contact us if you have any questions. And yes, all 179 episodes of Debt Free in 30 with full show notes are on the new website at hoyes.com.
Next week I have another vey special show for you with two first time guest so if you have ever gone shopping or used a rewards card you will want to listen to that show. So, until next week, thanks for listening, I'm Doug Hoyes. That was Debt Free in 30.
Should You Use Your Bonus To Pay Off Debt?


text:
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Mikveh Israel's burial ground – Philadelphia, 1740
Although Mikveh Israel, Philadelphia's first synagogue, was not founded until 1782, the land for its cemetery has an earlier history. A burial plot was first bought by Nathan Levy in 1738 when he suddenly needed a burial place for one of his children, and land was made available to him by Thomas Penn, the son of William Penn. In 1740, he bought more land on Spruce Street, and in that year, as ordered by Thomas Penn, the graveyard became a communal Jewish cemetery. However, Mikveh Israel did not take on its upkeep until 1791. It was used until the time of the Civil War, and its growth reflects the development of Philadelphia Jewry. Legend tells that when the British occupied Philadelphia in 1777, they executed deserters against the wall of the Spruce Street cemetery, and there were other reports of desecration as well. In 1956, the cemetery was designated a National Historic Shrine, and shortly thereafter, it became a part of Independence National Historic Park.
Mikveh Israel, first synagogue in Philadelphia. American Jewish Archives, Cincinnati, Ohio.
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Does anyone remember the episode of Friends where Phoebe hates Pottery Barn? On the show, she gripes about the fact that the furniture is mass-produced and that the merchandise isn't authentic. That may very well be true, but this uninspired consumer happens to love Pottery Barn. In fact, my past few apartments have easily resembled various Pottery Barn catalogs. My only problem with the franchise is that it's not exactly within my new budget. In particular, I found a leather recliner that I knew would fit perfectly in my apartment, but it was $1,400. That seemed a little steep considering that I struggle to pay for groceries. So when the manager at one of the stores that I frequent suggested that I get a part-time job to acquire the enviable employee discount, I jumped at the opportunity. I warned the manager that I could only work on select weekends and he was surprisingly on board with that stipulation. I was nervous about taking on another job, but the swindler in me figured that I could give my two weeks notice once I ordered my recliner.
I had to work two whole shifts before my discount card arrived in the mail. During that time, I discovered that I'm not passionate about working in retail, but more on that later. I also learned that my new discount extended to Williams Sonoma, West Elm and the Pottery Barn Outlet store. Jackpot! I called the outlet and they happened to have my recliner in stock. I had no time to waste, so once my card arrived, I headed straight to Tejon, CA. Tejon is two hours outside of LA, and there's literally nothing in the town except for an outlet mall and a handful of fast food restaurants. In other words, Tejon is Paradise. The recliner only ended up costing me $450, which was more than 50% off the retail price. Since I had spent far less than expected, I stopped by the J. Crew Outlet store and purchased a gingham button-down shirt for $14. Sure, I ended up getting food poisoning from Tejon's Taco Bell, but I still considered the trip a huge success and I plan on visiting the metropolis again.
Now that I had my coveted recliner, I began to ponder whether I was going to continue to occasionally work at Pottery Barn. I had several weddings coming up, and the discount was fairly substantial. Since I only had to work once every 3 or 4 weeks to hang onto the discount, I figured that I would ride it out until they fired me. I had never actually been fired from a job before, but I had serious doubts in my ability, or desire, to sell home goods.
Before every shift, the manager meets with the employees to explain their "goals for the day." They typically include opening up Pottery Barn credit cards, obtaining customers' email addresses, and reaching some sort of monetary sales goal. I smile and nod as I receive my instructions, but in my mind, I know that I'm not going to do any of that. Instead, I stroll around the store and scope out future purchases for my apartment. My favorite place to discover bargains is the stockroom, which is like a treasure trove of forgotten items. I routinely find merchandise that has been hiding on the shelves for years, which means that the prices have been marked down significantly. For these items, I place them somewhere discreet until my shift is over so that I can purchase them before leaving the store. I bought these amazing dice last week for only $2.97!
Another practice that is likely preventing me from becoming Employee of the Month is my tendency to befriend customers. When people come into the store, I trap them into lengthy conversations because it helps pass the time. The other day, I met this really fun couple whom I talked to for almost two hours. They informed me about Dapper Day at Disneyland, which is held twice a year, and everyone, including Mickey Mouse, wears Gatsby attire! They had me at Dapper. Throughout the conversation, my manager paged me twice to see if I could help ring people up at the register. I told him that I was busy assisting another customer. I'm sure he thought that I was in the midst of a massive sale with clientele (I still don't even know what clientele is). Instead, the couple purchased a $40 picture frame marked 50% off. Initially they had been interested in purchasing a very expensive dining room table and chair set for their 22-year-old son's starter apartment. Naturally, I explained to them that a 22-year-old would destroy this table playing beer pong, and I directed them to World Market to find a similar style for a fraction of the cost.
I think the managers were starting to notice my ineffectiveness on the sales floor, so they asked me if I would come in one day to help out in the stock room. I spent the afternoon assisting two employees with unpacking boxes and replenishing inventory on the storage shelves. Although these two co-workers had told me their names at least five times, I only remembered that one of them was named Hector. I couldn't remember which one, so I just opted to call them both Hector until one of them corrected me. In an interesting twist, neither objected to this name, so I wondered if they were actually both named Hector?! The Hectors were nice enough, but I could tell that they were slightly frustrated with my work ethic. In my defense, I had been told that it was going to be a leisurely afternoon of assessing our inventory. But, this turned out to be actual physical labor. Not to mention, the air conditioner was broken, causing me to sweat bullets through my Burberry polo shirt. I was tired of the Hectors suggesting that I work faster, so I opted to hide out on the other side of the stockroom and played Words With Friends on my phone until my shift ended. As I clocked out, I asked one of the sales associates which stockroom employee was named Hector. He looked at me quizzically and then replied, "Neither of them." Go figure.
The day before my latest shift, the manager called me and asked me to come in early because it was time to complete my 6-month evaluation. Holy crap! Had it been six months already?! I guess time flies when you only work 1.5 times a month. I would be lying if I didn't say that I was a bit nervous about the evaluation. I was certain that the jig was up and that I was going to get canned as soon as I walked into the manager's office. I even considered going on a hasty shopping spree to use my discount one last time. I sat down with the manager, resolute to accept my fate. As he read the evaluation from his computer screen, I was shocked by what I was hearing. In a nutshell, he told me that I had exceeded expectations and was a "joy" to have around the store. Was I being punk'd? I started to think that he had mixed up my personnel file with one of the other employees. I glanced over his shoulder to verify that my name was indeed on the monitor. It was! Perhaps expectations are just super low in retail?! It looks like I will be shopping for some time to come!


text:
Franz Käfer (* 22. September 1891 in Ederding; † 22. September 1962 in St. Pölten)  war ein österreichischer Politiker (SDAPDÖ, später KPÖ) und 26. Bürgermeister von St. Pölten.

Leben
Franz Käfer wurde am 22. September 1891 als Sohn eines Arbeiters in Ederding bei Herzogenburg geboren. Er hatte neben einer Zwillingsschwester zwei ältere Brüder. Nach dem Besuch der Schule absolvierte er die Heizerprüfung und arbeitete von 1921 bis 1934 in der Glanzstofffabrik in St. Pölten. 1922 wurde er Obmann des Glanzstoff-Betriebsrates, 1927 Gemeinderat in St. Pölten. Beide Funktionen hatte er bis zur Auflösung der SDAPÖ 1934 inne.

Käfer war seit 1932 Kommandant des republikanischen Schutzbundes für die Abteilung Wagram. Nach dem österreichischen Bürgerkrieg wurde er verhaftet und verbüßte eine zehnmonatige Haftstrafe wegen Hochverrats. Enttäuscht durch diese Ereignisse trat er 1935 der verbotenen KPÖ bei. Nach dem Anschluss Österreichs arbeitete er wieder als Heizer in der Glanzstofffabrik, trat jedoch nicht der NSDAP bei. Deshalb wurde er am 1. September 1939 im Konzentrationslager Buchenwald inhaftiert und verblieb dort bis 1942. Danach ging er wieder seinem Beruf als Heizer nach, musste sich jedoch jeden dritten Tag bei der Polizei melden.

Mit der Besetzung St. Pöltens 1945 wurde die KPÖ wieder legal, Käfer leitete die Aufstellung einer Hilfspolizei. Am 16. Mai 1945 wurde er vom Stadtkommandanten der Roten Armee zum Bürgermeister ernannt. Im Dezember desselben Jahres legte er sein Amt nieder um eine Neubildung zugrunde der vorangegangenen Wahl zu ermöglichen. Diese hatte Wilhelm Steingötter mit der SPÖ gewonnen. Dieser Rücktritt wurde jedoch von der Besatzungsmacht nicht akzeptiert und sowohl er als auch alle Gemeinderäte blieben im Amt. Erst nach der nächsten Wahl 1950 übergab er das Amt an seine Nachfolger. Er war danach noch längere Zeit als Stadtrat für das Schulwesen tätig. Er verstarb am 22. September 1962 in St. Pölten.

Ehrungen
 Franz-Käfer-Straße in St. Pölten – Wagram

Einzelnachweise

Bürgermeister (St. Pölten)
Person der Arbeiterbewegung (Österreich)
Häftling im KZ Buchenwald
SPÖ-Mitglied
KPÖ-Mitglied
Österreicher
Geboren 1891
Gestorben 1962
Mann


This is one of the best dark joomla 2.5 templates that you can get for free. Some users say it's even better then a paid template because of its design, loading time and features. Decide for yourself and download it now.
Only Contact us form will not display in the Contact us page. When I click on Contact us bottom in the menu I get empty page?
can you please tell me how to change the images and text in the slider?
I just downloaded this template, it looks great! However, as a Joomla newbie, I was not able to add content under 3 Tabs. Could you pls explain more? Thank you!
But one question . How do I modify the news tab that appears on the right side ?
Cant seem to find it.
and also, when I try to change the postition on "Module Language Switcher" Nothing happens, it just stays where it is .. even if I delete the module ???
Hi. Really nice temp there. Everything works fine for me except that i get an standard strict error like this one over the slideshows: Strict Standards: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in any ideas?
@Dell please email me your URL.
But I also have a problem with the contact form. The Message field is placed to the right of the Name field and not below the "Message" text as expected. Do you hace any suggestions on what is wrong?
Thanks for a great template but I too cannot figure out how to customize pics in the photo slider.
Could you provide some details.
I am running the latest version of Joomla 1.7.
(1) How do I shrink the grey side bar's on the side? I'd like to have the Top Menu bar stretched across the entire page and the grey side margins are pretty large.
(2) Also, I'm having some issues with the Contacts Page. I'd like to know how to display Address on the page.
(3) Additionally the Contacts Page Column Sorting does not appear to work. I suspect this is not a template problem, but a Joomla 1.7 problem.
similar to the Milkway Template.
i really like this template.Good job.
I like this template very much.Thank you for the nice job.


text:
package org.drools.compiler.compiler;

import java.util.List;
import java.util.Map;

import org.drools.compiler.builder.impl.KnowledgeBuilderConfigurationImpl;
import org.drools.compiler.lang.descr.AndDescr;
import org.drools.compiler.lang.descr.BaseDescr;
import org.drools.compiler.lang.descr.EntryPointDescr;
import org.drools.compiler.lang.descr.ExistsDescr;
import org.drools.compiler.lang.descr.FunctionDescr;
import org.drools.compiler.lang.descr.ImportDescr;
import org.drools.compiler.lang.descr.NotDescr;
import org.drools.compiler.lang.descr.OrDescr;
import org.drools.compiler.lang.descr.PatternDescr;
import org.drools.compiler.lang.descr.ProcessDescr;
import org.drools.compiler.lang.descr.RuleDescr;
import org.drools.compiler.rule.builder.AccumulateBuilder;
import org.drools.compiler.rule.builder.ConsequenceBuilder;
import org.drools.compiler.rule.builder.EnabledBuilder;
import org.drools.compiler.rule.builder.EngineElementBuilder;
import org.drools.compiler.rule.builder.EntryPointBuilder;
import org.drools.compiler.rule.builder.FromBuilder;
import org.drools.compiler.rule.builder.GroupElementBuilder;
import org.drools.compiler.rule.builder.PackageBuildContext;
import org.drools.compiler.rule.builder.PatternBuilder;
import org.drools.compiler.rule.builder.PredicateBuilder;
import org.drools.compiler.rule.builder.QueryBuilder;
import org.drools.compiler.rule.builder.ReturnValueBuilder;
import org.drools.compiler.rule.builder.RuleBuildContext;
import org.drools.compiler.rule.builder.RuleClassBuilder;
import org.drools.compiler.rule.builder.RuleConditionBuilder;
import org.drools.compiler.rule.builder.SalienceBuilder;
import org.drools.core.addon.TypeResolver;
import org.drools.core.definitions.InternalKnowledgePackage;
import org.drools.core.rule.JavaDialectRuntimeData;
import org.kie.api.io.Resource;
import org.kie.internal.builder.KnowledgeBuilderResult;

import static org.drools.core.base.CoreComponentsBuilder.throwExceptionForMissingMvel;

/**
 * A Dialect implementation handles the building and execution of code
 * expressions and blocks for a rule. This api is considered unstable, and
 * subject to change. Those wishing to implement their own dialects should look
 * ove the MVEL and Java dialect implementations.
 */
public interface Dialect {

    String getId();

    // this is needed because some dialects use other dialects
    // to build complex expressions. Example: java dialect uses MVEL
    // to execute complex expressions
    String getExpressionDialectName();

    Map<Class<?>, EngineElementBuilder> getBuilders();

    TypeResolver getTypeResolver();

    SalienceBuilder getSalienceBuilder();

    EnabledBuilder getEnabledBuilder();

    PatternBuilder getPatternBuilder();

    QueryBuilder getQueryBuilder();

    RuleConditionBuilder getEvalBuilder();

    AccumulateBuilder getAccumulateBuilder();

    PredicateBuilder getPredicateBuilder();

    ReturnValueBuilder getReturnValueBuilder();

    ConsequenceBuilder getConsequenceBuilder();

    RuleClassBuilder getRuleClassBuilder();

    FromBuilder getFromBuilder();

    EntryPointBuilder getEntryPointBuilder();

    EngineElementBuilder getBuilder(Class clazz);

    AnalysisResult analyzeExpression(final PackageBuildContext context,
                                     final BaseDescr descr,
                                     final Object content,
                                     final BoundIdentifiers availableIdentifiers);

    AnalysisResult analyzeBlock(final PackageBuildContext context,
                                final BaseDescr descr,
                                final String text,
                                final BoundIdentifiers availableIdentifiers);

    void compileAll();

    void addRule(final RuleBuildContext context);

    void addFunction(FunctionDescr functionDescr,
                     TypeResolver typeResolver,
                     Resource resource);

    void addImport(ImportDescr importDescr);

    void addStaticImport(ImportDescr importDescr);

    List<KnowledgeBuilderResult> getResults();

    void clearResults();

    void init(RuleDescr ruleDescr);

    void init(ProcessDescr processDescr);

    void postCompileAddFunction(FunctionDescr functionDescr,
                                TypeResolver typeResolver);

    void preCompileAddFunction(FunctionDescr functionDescr,
                               TypeResolver typeResolver);

    PackageRegistry getPackageRegistry();

    default boolean isStrictMode() { return true; }

    default boolean isJava() { return true; }

    default void addSrc(String resourceName, byte[] content) {
        throw new UnsupportedOperationException();
    }

    class DummyDialect implements Dialect {

        public static final String ID = "java";

        private final InternalKnowledgePackage pkg;
        private final ClassLoader rootClassLoader;
        private final KnowledgeBuilderConfigurationImpl pkgConf;
        private final PackageRegistry packageRegistry;

        DummyDialect(ClassLoader rootClassLoader, KnowledgeBuilderConfigurationImpl pkgConf, PackageRegistry pkgRegistry, InternalKnowledgePackage pkg) {
            this.rootClassLoader = rootClassLoader;
            this.pkgConf = pkgConf;
            this.pkg = pkg;
            this.packageRegistry = pkgRegistry;

            JavaDialectRuntimeData data = (JavaDialectRuntimeData) pkg.getDialectRuntimeRegistry().getDialectData(ID);

            // initialise the dialect runtime data if it doesn't already exist
            if (data == null) {
                data = new JavaDialectRuntimeData();
                this.pkg.getDialectRuntimeRegistry().setDialectData(ID, data);
                data.onAdd(this.pkg.getDialectRuntimeRegistry(), rootClassLoader);
            } else {
                data = (JavaDialectRuntimeData) pkg.getDialectRuntimeRegistry().getDialectData(ID);
            }
        }

        @Override
        public String getId() {
            return ID;
        }

        @Override
        public PackageRegistry getPackageRegistry() {
            return packageRegistry;
        }

        @Override
        public void addImport(ImportDescr importDescr) {
            // we don't need to do anything here
        }

        @Override
        public void addStaticImport(ImportDescr importDescr) {
            // we don't need to do anything here
        }

        @Override
        public void init( RuleDescr ruleDescr ) {
            // we don't need to do anything here
        }

        @Override
        public void init( ProcessDescr processDescr ) {
            // we don't need to do anything here
        }

        @Override
        public EngineElementBuilder getBuilder( Class clazz ) {
            if (clazz == PatternDescr.class) {
                return getPatternBuilder();
            }
            if (clazz == EntryPointDescr.class) {
                return getEntryPointBuilder();
            }
            if (clazz == AndDescr.class || clazz == OrDescr.class || clazz == NotDescr.class || clazz == ExistsDescr.class) {
                return new GroupElementBuilder();
            }
            return throwExceptionForMissingMvel();
        }

        @Override
        public PatternBuilder getPatternBuilder() {
            return new PatternBuilder();
        }

        @Override
        public EntryPointBuilder getEntryPointBuilder() {
            return new EntryPointBuilder();
        }

        @Override
        public TypeResolver getTypeResolver() {
            return this.packageRegistry.getTypeResolver();
        }

        @Override
        public String getExpressionDialectName() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public Map<Class<?>, EngineElementBuilder> getBuilders() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public SalienceBuilder getSalienceBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public EnabledBuilder getEnabledBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public QueryBuilder getQueryBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public RuleConditionBuilder getEvalBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public AccumulateBuilder getAccumulateBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public PredicateBuilder getPredicateBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public ReturnValueBuilder getReturnValueBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public ConsequenceBuilder getConsequenceBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public RuleClassBuilder getRuleClassBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public FromBuilder getFromBuilder() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public AnalysisResult analyzeExpression( PackageBuildContext context, BaseDescr descr, Object content, BoundIdentifiers availableIdentifiers ) {
            return throwExceptionForMissingMvel();
        }

        @Override
        public AnalysisResult analyzeBlock( PackageBuildContext context, BaseDescr descr, String text, BoundIdentifiers availableIdentifiers ) {
            return throwExceptionForMissingMvel();
        }

        @Override
        public void compileAll() {
            throwExceptionForMissingMvel();
        }

        @Override
        public void addRule( RuleBuildContext context ) {
            throwExceptionForMissingMvel();
        }

        @Override
        public void addFunction( FunctionDescr functionDescr, TypeResolver typeResolver, Resource resource ) {
            throwExceptionForMissingMvel();
        }

        @Override
        public List<KnowledgeBuilderResult> getResults() {
            return throwExceptionForMissingMvel();
        }

        @Override
        public void clearResults() {
            throwExceptionForMissingMvel();
        }

        @Override
        public void postCompileAddFunction( FunctionDescr functionDescr, TypeResolver typeResolver ) {
            throwExceptionForMissingMvel();
        }

        @Override
        public void preCompileAddFunction( FunctionDescr functionDescr, TypeResolver typeResolver ) {
            throwExceptionForMissingMvel();
        }
    }
}

redpajama_set_name: RedPajamaGithub


Because if there's one thing the internet can't stand it's making absolutely any sense at all, this is a video recreating the Game Of Thrones intro with a bunch of timelapse video of different molds growing. People are so weird. It's hard to believe somebody sitting around watching a timelapse of mold growing and thinking to themselves, "I've got it -- I'll remake the intro to Game Of Thrones with these videos!" What's even harder to believe is THEN THEY ACTUALLY DID IT instead of just letting the idea die right there on the spot like every idea I've ever had that didn't involve eating or taking a nap.
Keep going for the video, as well as the original for comparative purposes.
A mushroom walks into a bar and the bartender says, "Hey, we don't like your kind here." The mushroom says, "Why not? I'm a fungi."
I mean it's impressive due to how hard it is i'm sure... but it doesn't really look like GoT... just extreme DoF and fast time lapse. really cool though.
"The Game Of Molds: Game Of Thrones Into Remade With Timelapse Of Molds Growing"
Misspelled Intro there Mr geekologie. I dont care about typos/online grammer but I just thought I'd let you know. I was confused for a second until I realized you meant intro haha.
Grammar. The word is "Grammar".
Actually way more entertaining than I assumed it was gunna be.