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Brazil: Brazilian Reinsurance Market - Recent Changes
by Andre Alarcon and Bárbara Bassani
Ever since the implementation of Supplementary Law no. 126/07, which put an end to the reinsurance monopoly, the Brazilian market has been undergoing constant changes related to the rules on reinsurance placement and risk capital. This scenario also includes rules on internal controls, risk-based supervision model, changes in the values of penalties and more thorough inspection by the Superintendence of Private Insurance [Superintendência de Seguros Privados – SUSEP], the Brazilian insurance regulatory agency.
The National Council of Private Insurance [Conselho Nacional de Seguros Privados - CNSP] Resolution no. 168/2007, which regulated the above-mentioned Law and provided for the reinsurance and retrocession activities and their intermediation, was recently amended with regard to the rules on market reserve for local reinsurers and intragroup cessions, by CNSP Resolutions no. 322/15[1], of 7/20/2015; no. 324/15[2], of 7/30/2015; and no. 325/15[3], of 7/30/2015.
The Brazilian cedents may transfer risks to local, admitted and occasional reinsurers.
If the cedent, reinsurer or retrocessionaire belongs to the same financial conglomerate or are related companies, any reinsurance or retrocession must be reported to SUSEP, and there are specific rules applicable to the intragroup transactions.
Prior to the publication of the new rule, the insurer or the local reinsurer could not transfer, to related companies or companies belonging to the same financial conglomerate based abroad, more than twenty percent (20%) of the premium corresponding to each coverage contracted. The new rule changed the maximum limits of the premium of each automatic or facultative contract, in the transfer of risks from the insurer or the local reinsurer to related companies or to companies belonging to the same financial conglomerate based abroad as follows:
I - 20% up to December 31, 2016;
II - 30% as of January 1, 2017;
III - 45% as of January 1, 2018;
IV - 60% as of January 1, 2019;
V - 75% as of January 1, 2020.
The limits are not applicable to the lines of warranty, export credit, agricultural credit, internal credit and nuclear risks, which have permission for cessions in reinsurance or retrocession to a related company or company belonging to the same financial conglomerate based abroad, subject to all other legal and regulatory requirements. Therefore, the lines excluded by the regulatory agency, for purposes of the percentage of related companies, remain the same as those provided for in the previous rule.
Thus, we may infer from the new rule that the limits allowed for related companies or companies belonging to the same financial conglomerates based abroad are gradually increasing, and, by 2020, they will reach a much higher percentage than that currently allowed. Such increase is in line with the intended market openness, which is expected since the publication of the Supplementary Law and has been looked at positively by the insurance and reinsurance market, even though the new rule was not previously discussed, as it was not submitted to public consultation by the regulatory agency for the key players to contribute to its wording, so much so that wording issues and other inconsistencies were soon identified, which led to the publication of a sequence of Resolutions within a few days, until the final version of CNSP Resolution no. 168/07 was consolidated.
It is worth noting that under art 14, par. 5, of CNSP Resolution no. 168/200, introduced by CNSP Resolution no. 232/2011 and later by CNSP Resolution no. 322/2015, ratified by CNSP Resolution no. 325/2015, a related company or a company belonging to a same financial conglomerate is a set of legal entities which are related, directly or indirectly, by stock ownership of 10% or more of the capital, or by effective operating control, defined by common administration or management or by operation in the market using the same trademark or trade name.
However, the concept of related company is different from that set in CNSP Resolution no. 321, published on 7/17/2015, which establishes, among other subjects addressed, the criteria for investments. Art. 2 of said rule defines that related companies are:
affiliated or controlled companies or companies equivalent to affiliated or controlled companies;
legal entities related by interest, direct or indirect, of ten percent (10%) held by the managers and their descendants of the first and second degree of one of the companies, jointly or separately, in the capital of the other company;
legal entities related by interest, direct or indirect, of ten percent (10%) or more, held by controller members (in the case of nonprofit open private pension plan entities) or stockholders of one of the companies, jointly or separately, in the capital or shareholders' equity, as it may be the case, of the other;
legal entities, whose management, in whole or in part, is the same as the management of the supervised one, except offices in collective bodies, under the bylaws or regulation of the company, and provided that those holding the offices have no management power;
legal entities related by operation in the market using the same trademark or trade name.
The concept of related companies or companies belonging to a same financial conglomerate headquartered abroad, for the purpose of prohibition between companies in the same group was already different from the definition of related companies for the general rule set in CNSP Resolution no. 226/2010, which established the criteria for investments by insurers and local insurers so that the publication of new rules affirmed the small conceptual differentiation (CNSP Resolutions no. 321/2015, 322/2015, and 325/2015).
The wording is quite similar and contains common points.
Another change widely discussed in the market is the change in the rules on reinsurance contracts and preferential offering to local reinsurers by the insurers. The insurer's preferential offering of each cession of reinsurance to a local reinsurer remains at forty percent (40%) and it could not be different, given that Supplementary Law no. 126/07 itself provides in article 11 that the cedent will contract with, or make preferential offerings to, local reinsurers of at least 40%[4] of its reinsurance cession.
After the new rules have been issued, in regard to that portion that will be offered preferentially, each automatic or facultative contract must be made at following percentages:
Such limits do not apply to cessions related to the following lines: (i) performance bond; (ii) export credit insurance; (iii) agricultural insurance; and (iv) domestic credit insurance; therefore the line exceptions were kept.
Under the new rules, IRB-Brasil Resseguros S.A. remains authorized to carry out its reinsurance and retrocession activities and qualified as local reinsurer; the deadline for adaptation in regard to nuclear risks was re-set for December 31, 2017, in view that adaptation until the previous deadline (December 31, 2014) proved itself impossible.
The changes introduced in CNSP Resolution no. 168/2007, in July and August, allow, as announced by SUSEP, a system to make the market more flexible, and this has been optimistically regarded, although it is undeniable that a "wave" of uncertainties was raised by the impact of a sequence of rules published in such a short time. In a certain way, this initially generated a period of legal uncertainty and even a temporary interruption to some transactions while the scenario is stabilizing, and this will take place shortly considering the positive aspects, in particular, in view of the deadlines set for the implementation of the new percentages for the cessions.
The rule that insurers and local reinsurers cannot cede, respectively in reinsurance and retrocession, more than fifty percent (50%) of the premiums issued for underwritten risks remains effective, considering their aggregate transactions in each calendar year, and this must be taken into account for risk placement structuring.
In addition to the more impacting changes mentioned above, CNSP Resolution no. 322/15 created an Advisory Commission to propose actions designed to correct any asymmetries between the Brazilian reinsurance regulation and the best global practices. Finally, it is accepted that the Brazilian market must be on the alert for the other markets and adjust whatever may be incompatible with the practices of more developed foreign markets.
Initially, that Commission would be formed by one representative of each body that form the CNSP, two representatives of the consumers and two representatives of the reinsurance segment, and would be presided over by the representative of the Ministry of Finance.
CNSP Resolution no. 325/15 changed the composition of the Commission and now it is formed by one representative of each body that form the CNSP, two representatives of the insurers and two representatives of the reinsurance segment, and will be presided over by the representative of the Ministry of Finance. The "representatives of consumers" were excluded from the composition of the Commission.
The regulatory agent was right at this point, as it is worth noting that, although every insurance contract is a contract to which two parties have to adhere[5], not every insurance contract is a consumer contract. In particular, when it relates to large risks[6], hardly will there be a consumer relation, and using terms that allude to a possible application of the Consumer Protection Code is totally unwise, as foreseen when the Commission was created.
Thus, according to the text of the rule, the National Confederation of General Insurance, Pension Plan and Life Insurance, Supplementary Health and Capitalization Companies will appoint their head and substitute representatives in the insurance segment, and the National Federation of Reinsurance Companies will appoint the head and substitute representatives in the reinsurance segment. At the Chairman's discretion, representatives of segments related to the subject may be invited to take part in the Advisory Commission, which will allow consumers to participate, if and when that is the case.
Changes of reinsurance are not final yet and the rules on formalization of the reinsurance contract are still to be issued, in view of a recent draft of SUSEP's Circular no. 03/2015 submitted to Public Consultation[7], on 7/6/2015, which sets additional criteria related to art. 37, of CNSP Resolution no. 168/07.
Said article provides that reinsurance contracts must be formalized within two hundred and seventy (270) days from the initial date of coverage effectiveness, otherwise formalization will not be valid, for all purposes and intents, from the beginning. The reinsurer's acceptance, in the reinsurance proposal, is proof of the coverage taken out. The contract must state the proposal date, the acceptance date, the initial date of coverage effectiveness, and the place that will be used as reference to define the time the contract will start to be effective and will terminate.
For the last two years, SUSEP has conducted rigorous inspections of reinsurance contracts [8], and this topic has been discussed by the market many times. For example, some of these discussions refer to: (i) concept of contract formalization; (ii) how contracts are formalized; (iii) when a reinsurance contract is executed; (iv) whether the slip and the acceptance, together, represent the contract; (v) to which extent the reinsurance broker is responsible for such formalization. All of these issues could give rise to one single paper.
In this context and meeting the market expectations, the drafted text of the rule submitted to Public Consultation defines that contractual formalization is the execution of a reinsurance contract by a reinsurer, with date and stamp included. Moreover, the rule submitted to consultation not only seeks to define contractual formalization but also expresses great concern about the cedent.
Cedent's agreement with the terms and conditions of the formalized reinsurance contract must be proved to SUSEP, if it so requires. On defining the reinsurance contract, the draft comprises both reinsurance and retrocession and expressly states the possibility of an electronic or paper contract, also defining how documents will be safeguarded.
The draft also evidences that the cover note, issued by the reinsurance broker, does not replace the reinsurance contract. This issue is quite obvious and does not need to be described in the rule, unless if to completely avoid the misinterpretation by those who defend that the cover note is the contract itself.
Despite some practical difficulties imposed by the drafted text, such as the reference to the need of signature, date and stamp, for purposes of contract formalization, the issuance of the Circular in question is expected by the market, so as to ensure more safety regarding the subject, in view of the thorough inspection of reinsurance contracts over the past years and the different legal interpretations by legal practitioners and by SUSEP on the concept of formalization of reinsurance contracts.
The Brazilian market is heading towards the development and promotion of reinsurance, pursued since the end of the monopoly, with the transformation and consolidation of some concepts a bit vague until then.
In spite of the favorable scenario, new issues will certainly emerge, and only when the market gets used to the new rules and to the way by which the regulatory agency will supervise reinsurance operations, new paths will be pursued. For now, it is early to give an accurate forecast of the market movements.
[1] Such resolution was published on 7/21/2015 and basically provides for market reserve for local reinsurers and intragroup cessions. The rule amends par. 4 of art. 14 and art. 15 of CNSP Resolution no. 168/2007 and revokes CNSP Resolution no. 232/2011. On 7/22/2015, another Resolution (no. 321) was published with the same wording as that in CNSP Resolution no. 322.
In view of the numbering mistake, CNSP Resolution no. 323 published on 3/23/2015 invalidated Resolution no. 321, published on 7/22/2015.
Thus, CNSP Resolution no. 321/15, published on 7/17/2015, remains in force, and CNSP Resolution no. 321/2015, of 7/22/2015, was revoked.
It is worth pointing out that CNSP Resolution no. 321/2015, published on 7/17/2015, addresses technical provisions, assets reducing the need for technical provision coverage, venture capital based on underwriting, credit, operational and market risks, adjusted equity, minimum capital requirement, solvency recovery plan, retention limits, investment criteria, accounting standards, independent accounting and actuarial auditing, and Audit Committee as regards insurers, open private pension plan entities, capitalization companies and reinsurers.
[2] Published on 8/3/2015, CNSP Resolution no. 324/15 amends art. 49 of CNSP Resolution no. 168/2007 and revokes art. 1 of CNSP Resolution no. 206, of December 17, 2009.
[3] Published on 8/3/2015 as well, CNSP Resolution no. 325/15 approves CNSP Resolution no. 322/2015, with amendments.
[4] Note that in the first three years of the effectiveness of the Law, that portion was sixty percent (60%).
[5] After all, the insurer adheres to the minimum mandatory clauses imposed by SUSEP as, without them, its product is not registered. In turn, the insured adheres to the clauses of the product registered by the insurer, and small changes can be made under specific conditions. With the end of "singular" insurance, the insurers' discretion increasingly becomes limited to the sphere of insurance.
[6] In this case, reinsurance is essential and, for this reason, usually purchased.
[7] At the time, suggestions and comments on the draft of the Circular regarding the formalization of reinsurance contracts could be sent until 8/12/2015.
[8] In most inspections, SUSEP seeks to impose a penalty as it believes that the contract was not executed within the deadline established in the rule or that there was no proof that reinsurance was taken out within the deadline, which gives rise to many discussions on whether it would be possible to use emails and other types of negotiations as evidence. If the contract is not formalized, the penalty will be the fine provided for in article 32, of CNSP Resolution no. 243/11, ranging from R$ 10,000.00 to R$ 100,000.00.
Andre Alarcon
Bárbara Bassani
Brazil Insurance Reinsurance
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NOTICE PAPER NO. 908
NOTICE OF ADJOURNMENT MOTION
FOR THE SITTING OF PARLIAMENT ON 10 JANUARY 2022
Ms Hazel Poa, Non-Constituency Member
VACCINATION-DIFFERENTIATED SAFE MANAGEMENT MEASURES
1. Mr Speaker, I thank the Member for her speech on matters related to Vaccination-Differentiated Safe Management Measures (VDS).
2. The Member raised several points for clarification, including the removal of the concession to allow unvaccinated workers to return to the workplace with a negative Pre-Event Test (PET) result; and also her queries relating to the extension of VDS to children.
3. Earlier today, the Minister for Health responded to questions from Members. He highlighted our threefold response in living with COVID-19: vaccination and boosters; bolstering our healthcare capacity; and calibrating our Safe Management Measures (SMMs). Each is important in our response to Omicron, and in ensuring that in the longer term, we can resume our normal lives, as far as possible.
4. Our experience over the past few months shows that VDS will enable us to continue our path of safe and calibrated reopening whilst at the same time minimising the risk of hospitalisation to preserve healthcare capacity, in particular limited hospital and intensive care unit (ICU) resources. It is important to note that non-fully vaccinated persons who are infected with COVID-19 are more than 7 times more likely to become critically ill in ICU compared to those who are fully vaccinated (0.5% of cases versus 0.07%), and 12 times (1.7% of cases versus 0.14%) more likely to die [1]. Among seniors aged 60 and above, the incidence of fully vaccinated and non-fully vaccinated cases who are critically ill in the ICU are 1.9 and 35.9 per 100,000 population, respectively. The incidence of fully vaccinated and non-fully vaccinated seniors who died are 0.3 and 8.2 per 100,000 population, respectively [2].
5. As a result, throughout the pandemic, we find that two-thirds of our ICU beds are occupied by individuals who are unvaccinated. They are also more likely to be administered therapeutics, which are not cheap, so although they are a small proportion of our population, they take up a disproportionate amount of medical and hospital resources, and contribute to significant amount of workload of our hospital staff. These are not mere statistics; it is actual resources being drained because of people who fall ill because of COVID-19.
6. The basis of VDS is therefore two-fold. First, by putting restrictions on their social activities, we protect the unvaccinated by preventing them from being overly exposed to the virus.
7. And the Member earlier said "Well, it is just for them, right? " But that is not true. Because, the second point is that if you were unvaccinated, people get infected, we preserve our hospital capacity while allowing the rest to carry on normal activities as much as possible.
Rationale for VDS
8. Let me now elaborate on these points, including how VDS contributes to our safe re-opening and transition to living with COVID-19.
9. To set the context, the emergence of the Delta variant in May 2021 required quick action to be taken, to contain the numerous outbreaks of clusters in the community and to minimise the risk of our healthcare capacity being overwhelmed. The Multi-Ministry Taskforce (MTF) thus decided to significantly tighten our SMMs, resulting in the move to Phase 2 (Heightened Alert) in May 2021.
10. At the same time, we further ramped up our vaccination efforts, resulting in improved vaccination rates, particularly among seniors. Members will remember that our vaccination programme kicked off one year ago, in early January 2021. By 9 August 2021, 72% of our entire population had completed their full regimen or received two doses of COVID-19 vaccines, with 81% receiving at least one dose. With this high level of vaccination coverage, and through our collective efforts as a nation to comply with the strict Phase 2 (Heightened Alert) measures, the daily number of COVID-19 cases fell to double digits. The MTF thus restarted the process of resuming more economic and social activities, through a calibrated risk-based approach aimed to protect the unvaccinated whilst not placing further strains on our healthcare system.
11. We thus introduced VDS for selected premises, activities and events from 10 August 2021. Through VDS, we eased measures for those who are fully vaccinated, rather than hold everyone back in order to reduce the risk to the unvaccinated. Fully vaccinated persons have good protection against the virus and are at lower risk of becoming dangerously ill if infected with COVID-19. This means that they will not strain our resources, so vaccination is still a very important and powerful measure in the many things that we are doing to protect our community from COVID-19.
12. We resumed dining in F&B establishments, for groups of up to 5 vaccinated persons, with exemptions for children aged 12 years and below. We also allowed significant increases in event sizes such as congregational and worship services, live performances and MICE up to 500 persons, as long as all attendees were fully vaccinated.
13. Unvaccinated individuals, on the other hand, need to be more prudent in interacting with larger groups of people especially in mask-off settings, which are high risk. Hence, the strict measures will continue to apply to them. It would not matter if they are tennis coaches. The virus does not discriminate. It will impact you more severely if you are unvaccinated. With access to premises, activities and events being brought under the VDS framework, the hope was that this would also encourage the unvaccinated to get their vaccination, so that they can participate in the community and society safely.
14. Despite our cautious approach to reopening, the heightened transmissibility of the Delta variant resulted in new clusters emerging by end August 2021. This put great pressure on our healthcare system. The number of cases was sustained at 3,000 per day as mentioned by Minister Ong earlier and the serious cases, who had to be seen in hospitals, resulted in 100 to 170 cases occupying ICU beds each day [3]. 66% of ICU patients were unvaccinated or partially vaccinated individuals.
15. They took up scarce medical resources, which are needed for others who are very sick individuals including those with non-COVID conditions, who require expensive therapeutics. To stabilise the situation, we had to roll out revised healthcare protocols, and tighten our SMMs again. But we were able to allow more activities to continue during this Stabilisation Phase compared to the earlier Phase 2 (Heightened Alert) period, due to VDS. VDS has also allowed us to safely resume more activities, even after we exited the Stabilisation Phase on 22 November 2021. With more social interactions taking place over the year-end holidays, case numbers did not see a surge.
16. We now face a prospect of another surge of cases, due to the Omicron variant. We are in a better position than before, as our vaccination coverage has improved greatly over the past few months to 87% of our entire population completing their full regimen, with 89% receiving at least one dose [4].
17. But we need to decide, whether we want to tighten up all our SMMs again, which would affect the lives and livelihoods of both the vaccinated and unvaccinated; or to calibrate our measures so that we only tighten up for those who are unvaccinated and who would be more likely to impose strains on our healthcare system. These decisions are not taken lightly. We need to calibrate, we need to balance. Further adjustments to our VDS policies have thus been made, to ready us for this potential increase in cases as well as allow us to better understand the nature of the Omicron variant and its differences from the Delta variant. These include the removal of the concession for unvaccinated individuals to produce a negative pre-event test (PET) result prior to participating in a VDS event or activity, and the reduction of the exemption period for recovered persons to enter VDS settings, from 270 days to 180 days. Through VDS, we hope to keep the unvaccinated individuals protected from infection whilst allowing the rest of society to continue with their normal activities.
Removing the Concession to Allow Unvaccinated Workers to Return to the Workplace with a Negative PET Result
18. In line with our overall reopening approach, the MTF announced the introduction of the Workforce Vaccination Measures (WVM) [5], which required that from 1 January 2022, unvaccinated individuals who were medically eligible for vaccination would be required to produce a negative PET result before entering the workplace so as to mitigate the risks of workplace transmission. The MTF subsequently announced on 14 December 2021 that up to 50% of those who can work from home will be allowed to return to the office from 1 January 2022, as we would be in a better position to ease the current default work-from-home posture with the WVM in place.
19. However, we have seen the emergence of a more transmissible Omicron variant, which with the Delta variant, significantly raises the risk of contracting COVID-19 compared to a year ago. To strengthen our protection against a large wave of cases locally and to keep our workplace safe, the MTF announced that from 15 January 2022, unvaccinated workers, barring those medically ineligible, will not be able to return to the workplace even with a negative PET result. As of 2 January 2022, there were about 48,000 employees who had not taken any vaccine dose. This is a reduction from the 52,000 reported on 19 December 2021, as we have seen more employees coming forward to get vaccinated. Among the unvaccinated employees, those aged 30 to 39 form the largest group at 16,000. Whilst a negative PET is an indicator that the person is not infected with COVID-19, the unvaccinated individual has no protection against the virus. And if you think about it, if all the 48,000 were infected with COVID-19, it would indeed impact on our healthcare system.
20. This decision is taken in consideration of many factors and in consultation with many different stakeholders. This move was supported by the tripartite partners, who recognised the public health imperative of vaccination and the urgency to sustain business activity to protect livelihoods. A fully vaccinated workforce would be able to operate more safely and sustainably.
21. We still allow employees who are certified medically ineligible for vaccines under the National Vaccination Programme (NVP) to return to the workplace, given that they constitute only 0.3% – a very small proportion – of unvaccinated workers. However, whilst such employees are exempted from the WVM, the Ministry of Manpower (MOM) and tripartite partners have guided for employers to give special consideration, such as allowing them to work from home if they are able to do so and redeploying them to suitable jobs which can be done from home if such jobs are available.
Charging COVID-19 Patients Who Are Unvaccinated by Choice
22. From the start of the COVID-19 pandemic, we had adopted a special approach to fully cover the costs of COVID-19 medical treatment for Singapore Citizens, Permanent Residents and Long-Term Pass Holders (SC/PR/LTPHs) who had not recently travelled. This special approach was intended to avoid financial considerations adding to the public uncertainty and concern when COVID-19 was an emergent and unfamiliar disease.
23. Today, the vaccines have since become widely administered and there is sufficient evidence that they confer protection to reduce the risk of serious illness and death. Those aged above 12 who remain unvaccinated by choice have decided to do so despite knowing that this places them at a higher risk of requiring costly inpatient care, which adds to the strain on our healthcare system. The special treatment of government fully covering the costs of COVID-19 medical treatment will therefore not apply to this group. This will also be the case for individuals aged above 18 who do not come forward for their booster within 270 days or 9 months from their last dose.
24. Depending on the severity of the patient's condition and the type of COVID-19 facility where care is rendered, the bill size would vary, but these patients who are unvaccinated by choice may still tap on the regular healthcare financing arrangement to help pay for their bills, where applicable. While the median bill size for COVID-positive patients receiving treatment in acute hospitals who require both ICU care and COVID-19 therapeutics is estimated to be about $25,000, access to means-tested government subsidies and MediShield Life coverage can reduce the bill to about $2,000 to $4,000 for eligible Singaporeans in subsidised wards. SCs and PRs may also use their MediSave balance to help fund any remaining post-subsidy amount, subject to the claim limits that apply.
Extending VDS to Children
25. With regard to extending VDS to children in the community, public, pre-school and school settings, there are presently no plans to do so for those aged 12 years and below.
26. The focus at this time is to ensure our children are well protected as we begin vaccination for those aged 5 to 11 years using the paediatric doses of the Pfizer/BioNTech/Comirnaty COVID-19 vaccine. We will periodically review our policies as the extension of the national COVID-19 vaccination programme to children aged 5 to 11 progresses. Earlier today, we have also addressed concerns that were raised by Members. We acknowledge that these are some legitimate concerns that parents may have, but given the facts that we have and the current situation that we are facing, it is still highly encouraged for parents to bring their children, if they are eligible, for vaccination.
27. In summary, increasing population immunity through vaccinations and boosters, reinforced with VDS, has been integral to our COVID-19 response in protecting the vulnerable and ensuring that our healthcare system can cope with the incoming Omicron wave, as well as any future infection waves. Singapore is now in a better position to achieve our goal of being a COVID-19 resilient nation.
[1] Based on number of cases reported from 1 September to 30 November 2021, and their clinical status as of 31 December 2021.
[2] As of 1 November 2021.
[3] Based on the number of cases reported from 5 October 2021 to 12 November 2021.
[4] As of 6 January 2021.
[5] See MOH and MOM's joint Press Release on 23 October 2021: https://www.mom.gov.sg/newsroom/press-releases/2021/1023-implementation-of-workforce-vaccination-measures
Category: Parliamentary QA Highlights


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Our first step is to simply become immersed in your organizations' current needs and challenges. Together, we engage key stakeholders, elevate awareness of best practices and outline a framework for the implementation of a sustainable ergonomics program.
Next, we investigate key areas or concern. Our team of board certified ergonomists will document and analyze site trends, evaluate existing design standards and review your current program. From there, we will work a cost effective strategy to reduce risk and improve employee comfort and health.
Employee training, assessment, and workstation enhancement form the core of our implementation process. Interactive group training sessions and individualized assessments elevate awareness of proper configuration, improve posture, and reduce employee discomfort. Our certification program in office ergonomics builds in-house expertise of the assessment process and becomes a first line of defense for preventing workplace injuries.
Humanscale provides an ergonomic consulting service and assessment to help your company become more ergonomic and understand how they can improve worker comfort and lower injury risks.


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redpajama_set_name: RedPajamaGithub


text:
14. Playing and Having Fun with the Child:
There is no doubt that playing and having fun with one's child has a great effect on his correct and proper upbringing. This is since playing is a part of his life that he should not be deprived of.
So do not trivialize the act of playing with children for you will be clashing against their natures and the dispositions upon which the were created. Instead, participate with the in their games. Play with them and have fun with them to the point that they love you, enjoy your company and heed your advice and guidance. Allah said to his Prophet sws:
"And by the Mercy of Allaah, you dealt with them gently. And had you been severe and harsh-hearted, they would have disbanded from about you." [Surah Aali 'Imraam: 159]
The Prophet sws was the best os people towards his family as he sws said: "The best of you is he who is best towards his family, and I am the best towards my family." [Reported by Al-Haakim] 66
The prophet sws would play and have fun with children. Abu Hurairah radiaallahuahu said: "The Messenger of Allaah would stick his tongue out to Al-Husayn bin 'Alee, so the boy would see the redness of his tongue and become ecstatic." 67
'Umar radiaallahuanhu said: "I saw Al-Hasan and Al-Husayn on the shoulders of the Prophet sws so I said: "What an excellent steed you two have below you." And the Messenger of Allaah sws said: "And what excellent riders they are!" [Reported by Abu Ya'laa] 68
The Prophet sws would also pray around with the brother of Anas bin Maalik radiaallahuanhu, saying: "O Abu 'Umair, what happened to the nughair?" [Agreed Upon] 69
And once he sws passed by a group of people from the tribe of Aslam who were practicing archery, so he said: "Shoot, tribe of Isma'eel, for indeed your forefather was a marksman. Continue shooting and I am with tribe so and so." Upon this, one of the teams refrained from competing, so the Prophet sws said: "Why aren't you shooting your arrows?" They said: "How can we shoot when you are with them?" So he sws said: "Continue shooting and I am with all of you." [Reported by Al-Bukhaaree] 70
'Abdullah bin Al-Haarith radiaallahuanhu said: "The Messenger of Allaah sws would line up (the children) - 'Abdullaah, 'Ubaidullaah and Katheer - of the tribe of 'Abbaas and day to them: 'Race towards me, and whoever reaches me first will get something (i.e. as a reward).' So they would race towards him and jump on his back and front and he sws would kiss and hug them." [Reported by Ahmad] 71
'Aishaah, may Allaah be pleased with her, would play with girls, and the Prophet sws would dispatch them to her so that she could play with them." [Agreed Upon] 72
Through the means of playing, you can instill good characteristics into your children - characteristics such as honesty, fidelity and so on. You can also use activities and games to make them aware of condemnable characteristics such as lying, treachery, deception, use of obscene language and so on.
66 Reported by At-Tirmidhee (3895) from narration of 'Aishaah may Allaah be pleased with her, and he said it was a "hasan saheeh" hadeeth; and Ibn Maajah (1977) reported it from Ibn 'Abbaas. As for the narration reported by Al-Haakim from Abu Hurairah, then its wording is: "The best of you is he who is best to this family after me.". Reported by Al-Haakim in al-Mustadrak (3/352, no. 5359) and authenticated upon the standards of Muslim and Adh-Dhahabee agreed.
67 Reported by Ibn Hibbaan in his Saheeh (12/408, no. 5596) and (15/431, no. 9675)
68 Quoted by Al-Haithamee in Majma'-uz-Zawaa'id (9/182) and he said: " Abu Ya'laa reported it in al-Kabeer and its narrators are all of the standards of the Saheeh Collection." Al-Bazzaar also reported it (1/418, no. 293)
69 Reported by Al-Bukharee (6129 and 6203) and Muslim (2150)
70 Reported by Al-Bukharee (2899) from Salamah bin Al-Akwa' radiaallahuanhu
71 Reported by Ahmad in al-Musnad (3/335, no. 1836)
72 Reported by Al-Bukharee (6130) and Muslim (2440) from the narration of 'Aishaah, may Allaah be pleased with her.
Book: Raising children in Light of the Qur'aan & Sunnah, by 'Abdus-Salaam bin 'Abdillah As-Sulaymaan whit an introduction by Shaikh Saalih Al-Fawzaan (Page. 46,47 y 48)
Etiquetas: Family


WiFi Password Finder : Even though what many might think, wifi password finder is well known across hundreds of nations in many countries.
get more youtube views - : Spend some time to answer the feedback from your consumers.
buy facebook shares - : Use Facebook Observations to improve your social networking strategy.


This post categorized under Earing and posted on January 28th, 2019.
Buy 14k Yellow Gold Childs High Polished Oval Baby Signet Ring and other Rings at Amazon.com. Our wide selection is elegible for free shipping and free returns.Signet Rings with custom Monogramming help celebrate lifes great moments whether it be marriage holidays births anniversaries graduations or even just the celebration of self.A ring is a round band usually of metal worn as ornamental jewellery.The term ring by itself always denotes the finger ring but when worn as an ornament elsewhere the body part is always specified e.g. earrings neck rings arm rings and toe rings.Rings always fit snugly around or in the part of the body they ornament so bands worn loosely like a bracelet are not rings.
Wedding Rings Engagement Rings Celtic Jewelry Monogram Jewelry Family Crest Jewelry Signet Rings Mothers Jewelry Reverse Cradles Our Newest Creations Engravable Jewelry Gemstone Jewelry. deSignet International is a Third generation Family Owned business employing six goldsmiths three jewelry deSigners and three customer service representatives.Custom Initial Ring Personalized Letter Ring Bridesmaid Gift Gold Signet Ring Engraved Initial Ring Custom Jewelry Stacking Ring 28.00If youd like to add this item to compare you need to remove one of the other five items.
You searched for gold Etsy is the home to thousands of handmade vintage and one-of-a-kind products and gifts related to your search. No matter what youre looking for or where you are in the world our global marketplace of sellers can help you find unique and affordable options. Lets get startedChest Common The common wooden chest comes in several sizes including small (2 cubic feet 1 hit point break DC 17) medium (4 cubic feet 15 hp break DC 23) large (6 cubic feet 30 hit points break DC 29) and huge (8 cubic feet 50 hit points break DC 35). Most include a simple inset lock. Chest False-Bottomed Chest These chests are typically used by smugglers transporting Different engagement rings flatter different finger types. Find the most flattering ring for your unique finger shape and size be it short long sornamentder or wide.The key to understanding gold karat is the karat value over 24. An example is a 14 karat gold wedding ring. It is 1424 which equals 58.3% gold and 41.7% alloy.
Theia Uniornament 10 mm Court Shape ornamentanium Signet Ring. 4.2 out of 5 stars 8. Theia Mens 9 ct Yellow Gold Oval Shape Signet Ring. 103.00 - 111.00 Prime. 4.2 out of 5 stars 3. Sterling Silver & Clear CZ Crystal Engraved Heart Childs Signet Ring Size B 9ct Yellow Gold 12mm Maiden Heart Shaped Signet Ring. 119.99. 5 out of 5 stars 1 9ct 9Carat Yellow Gold. Girls Heart Shaped Patterned Signet Ring. Ring SizeM. US Ring Size6 12. Face Height8.3 mm. We will always go out of our way to source the product you are looking for. eBaySeller Rating 99.9% positiveLocation Hull East Riding of Yorkshire United KingdomShipping Free9 CT LADIES Yellow Gold Ruby Red Heart Shaped stone Ring - 69.00. This solid yellow gold ring is stamped 375 for 9 carat gold. It features ruby red stone in shape of heart. Size of main stone is 5x 6mm.
The Annals of Tacitus on Early Christian Writings the New Testament Apocrypha Gnostics and Church Fathers information and translations of Gospels Epistles and dojewejewelts of early Christianity.Memoirs of Mrs. Caroline Chisholm by Eneas Mackenzie. PREFACE. THE age of hero worship is rapidly pjeweling away in the murky cloud of barbarous feudalism and that of the champions of moral virtue benignantly dawning over the surface of the civilized world. The truly jewelle who give knowledge dignity peace and love to mankind are becoming the recognized heroes of all people.PREFACE C. Suetonius Tranquillus was the son of a Roman knight who commanded a legion on the side of Otho at the battle which decided the fate of the empire in favour of Vitellius.


Learn about the structures of cell membrane, or plasma membrane, with this collection of printable cell membrane diagrams. These cell membrane printable diagrams are available in printable size with labels and a quiz sheet for evaluation. Check out the first diagram of cell membrane in the following image below.
As you can see in the cell membrane diagram above, it includes the borders of the cell. The plasma membrane not only defines the borders of the cell, but also allows the cell to interact with its environment in a controlled way. The principal components of the plasma membrane are lipids (phospholipids and cholesterol), proteins, and carbohydrate groups that are attached to some of the lipids and proteins. The proportions of proteins, lipids, and carbohydrates in the plasma membrane vary between different types of cells.
The cell membrane consists of two adjacent layers of phospholipids. The lipid tails of one layer face the lipid tails of the other layer, meeting at the interface of the two layers. The structure of the fatty acid tails of the phospholipids is important in determining the properties of the membrane, and in particular, how fluid it is.
Provided above are the worksheet version of the cell membrane diagrams for any evalutional purpose. Get all these diagrams by clicking on the images. You can also find other educational diagrams in our site by typing the keyword on the search column. Don't forget to share this page to your social media account!
Cell Membrane Diagrams on Diagram Site. This diagram pictures uploaded by Cassidy Smith on 15 March 2018 at 12:00 pm. If you feel this image of Cell Membrane Diagrams is useful for you, feel free to share this nice Biology to your social media account.


People who have been following me for a while know that I'm of Filipino decent and majorly German in the head. In fact I can be particularly old-school German when it comes to appliances and kitchen goods. Germans believe that something is of acceptable workmanship if it lasts longer than your pet dog and is ideally still intact to be handed over when the next generation is ready to move out.
Yes, German brands like Bosch, Siemens, Braun and Miele instil in me the confidence of a life-time of economically and properly washed clothes, frothily blended smoothies and other reliable tools and gadgets which would allow McGyver to build his own multitasking kitchen-wonder Ironman sidekick.
So... the product that I'm going to introduce and which is has become really dear to me is actually ... Japanese. Before you start engaging your nostrils to sniffle contemptibly hear me out.
I like my tea and my coffee hot. Even during summer I prefer to drink my coffee hot especially when the aircon of certain establishments is cranked up to freezing. Because of this preference I have become an enthusiastic owner of tumblers. And because I'm coordinationally severely challenged those tumblers are lucky if they ever get to celebrate their one-year-anniversary.
Few months ago I managed to crack another tumbler (in the shower but that's another story) and I finally decided that I would invest in a BMW equivalent of a thermos container. Say goodbye to the medium-range Starbucks tumbler. I geeked out over several reviews and was eyeing the brand Thermos (yes, German) and which was also available in Hong Kong. But alas, too many people were complaining that the hinge of the cover was a bit flimsy. And I'm can be to flimsy what constructive critique can be to low self esteem: damaging.
Thanks to amazon's "customer also viewed" feature I stumbled over the brand Zojirushi. I have seen this brand with the elephant logo before in a SOGO store. But because it was a rather cutely designed elephant I gave it as much credibility as the Hello Kitty rice cooker I spotted there as well. Further research revealed that Zojirushi is actually a popular good quality thermos and tumbler brand. Sorry Dumbo, I've misjudged you. According to all the positive reviews on Amazon it can give the German brand a run of its money.
"These really are the business. Like many things designed by and for Japanese, the elegance, simplicity and engineering that goes into these basically lets you take for granted that it is a mug that you can fill and use (spill free) and never have to worry about it. "
"It really is amazing how this mug keeps hot/warm liquid warm and cold liquid cold. 24 hours later ice is still floating in ice water! I used it to keep hot water for my infant's formula mix - worked AMAZING!"
I'm usually sceptic when it comes to the word AMAZING. It's applied way too often. But the majority of the reviews were raving about the Zojirushi tumblers and giving them full marks.
Thanks for your e-mail and interest in Zojirushi Vacuum Mug.
Kindly note that only the new series, SM-KA36/48, is available at the moment.
Below please find product pictures of SM-KB36/48 for your reference.
Please be informed that all Life Kan stores carry 3 to 4 colors of SM-KB48(0.48L).
Kindly advise color you need, we will check the availability for you.
Should you have any queries, please feel free to contact us.
So I went to the Life Kan store in Causeway Bay and secured a 16 oz. tumbler in a lovely smoky blue (also available for 12 oz) for HKD 356, colour was on sale.
Have been using my Zojirushi tumbler for over a month now, I'm still in love with my tumbler darling and can enlighten you with following review so far.
Do not fill with piping hot liquid if you intend to drink liquid within the next 2 hours. It'll be too hot.
Life Kan staff will open package for you to check content. Make sure that lid spring is not worn out and strong enough. Press lid latch to flip the lid open. Then tilt tumbler as if you were pouring. See if open lid stays in place and does not loll about. If lid spring is too weak lid could bop on your nose when taking a swig.
Love your tumbler. Treat it well and hand wash!
In Hong Kong you can get SM-KB36 (12 oz) and SM-KB48 (16 oz).


Comfort and style combined, Sheraton Fisherman's Wharf is located in the popular San Francisco neighbourhood of the same name. You'll be treated to a warm welcome and a friendly atmosphere from the moment you arrive, creating a relaxed environment for your stay. The hotel offers not just a great location, close to the main attractions, but also a heated outdoor pool and seating area with fire pits, where you can enjoy the warm Californian weather.
The rooms and suites are inviting and contemporary, with views of the courtyard, pool or city skyline available. Classic American breakfasts, delicious coffee and pastries can also be enjoyed at the two on-site cafés, as well as a host of restaurants and bars nearby.
A good choice for families, with large rooms sleeping up up to four or six people, a heated outdoor pool and breakfast cafe in the hotel.
Situated in one of San Francisco's most popular neighbourhoods, Sheraton Fisherman's Wharf is within walking distance of Pier 39 and the world-renowned cable car lines which will transport you all over the city. There are also several golf courses nearby.
Renovations will be taking place as the hotel between 30 Apr - 31 Aug 2018 whist the property enhances future guest experiences with the addition of a full service restaurant and bar, an extensive club lounge and an expanded fitness centre, along with poolside cabanas and remodelled public areas. Work is expected to impact significantly between 8am - 5pm daily and most public areas will be closed during this time.


I haven't played StarCraft II for a long, long time and I would like to get back into it as a very casual player.
My problem is that I played a lot before and somehow landed in diamond league.
I lost all my placement matches and then about 10 more after that and I am still in diamond league.
My performance is so bad that my opponents don't enjoy the game either.
Does anybody know if there is a reset stats and league option or the best way to play against players around my skill level?
You should be moving down the rankings, but you won't move to a new division until your hidden Elo somewhat stabilizes. So just keep playing, you'll keep losing, and when you start winning every other game or so, you'll get dropped down to the level of those players.
SC2's matchmaking system tries not too move you too much, so when it detects a large fluctuation from where it expects you to be, it will wait until it's pretty sure where you belong before actually moving you there.
Give it some time. The best advice I can give is to warn your opponents that you're just getting back into the game, and that you're not really diamond league material anymore. If they are angry with you for that then let them be angry... kind of stupid to get angry over someone getting back into the game.
After a week or so you should fall to a different league.
You are probably not really in diamond league anymore. The system won't demote you till it is confident that if figures out where you belong. I was bored and wanted to fool around in bronze league. I was leaving games nonstop right after they started. Eventually I was facing silver league opponents even thought I was still in diamond league. Once I beat some of them it demoted me to silver.
What is the league structure in Starcraft II?
Why do Starcraft 2 leagues award playing, rather than winning?
How can I teach my less-skilled friends the value of scouting and aggression?
Why is bronze league so broad?
How can I see how many league games I lost in Starcraft 2?
How often should I cheese my low-level opponents?
How can I be downgraded to a lower league?
Is there a way to share vision with opponent in Starcraft 2?
How can I voluntarily lose ranking score in Starcraft 2?
Scouting 2 Rax & early gas in TvT on a 2p map - what are the possibilities?


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prices for the farmers who have good crops.
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Poornimaji gave a speech on "Beyond meditation – Self Discovery". The intended audiences were teachers and parents of the kids from the school. The Principal of the School, Ms. Tripthi Desai, was very impressed by Poornimaji's speech and wanted to have more of this kind in her School in the future.


Catch The Breeze is pet friendly.
Catch The Breeze unfortunately does not provide linen for your stay, however please contact us to arrange a linen package for you or should you choose to supply your own linen the following will be needed: sheets, pillow cases, bath and beach towels, hand towels, face washer and bath mat.
Catch The Breeze unfortunately does not supply Wi-fi for your stay.


A basement remodeling project can be an excellent way to maximize the functional space in your home. The downfall… it does require giving up quite a bit of basement storage space.... Important to consider: the factors that make the price of a basement development project vary. Please note that these prices are never fixed because all projects can have their independent characteristics.
QUESTION. I want to create a walk-out, or daylight basement on a sloping lot. How can this be accomplished? ANSWER. Creating a walk-out basement on sloping terrain is easy in Home Designer when you follow the steps below.... While many countries include basement levels to their homes as standard, the UK seemingly lacks this 'basement mentality'. However, where plot size is limited, or capacity for extending is limited, a basement really comes into its own.
A basement or cellar is one or more floors of a building that are either completely or partially below the ground floor. over the long run, so drainage is the key. There are draining membranes that can be applied to the outside of the basement that create channels for water against the basement wall to flow to the foundation drains.... This is defined in the Waterproofing Design Guide (available from the Basement Development Group) as where the water table is above the underside of the lowest basement floor slab. A very useful risk assessment chart is printed in the guide.
QUESTION. I want to create a walk-out, or daylight basement on a sloping lot. How can this be accomplished? ANSWER. Creating a walk-out basement on sloping terrain is easy in Home Designer when you follow the steps below.... How to Develop a Compiled Plug-in If you have installed a Java Development Kit (JDK), you can compile Java source code from within a Strange Eons Project.
Ah where to begin your basement finishing or remodel project? That's the real question, and it haunted me for months. This was the hardest part for me, and it took a lot of Googling, researching, and reading to realize the best plan of attack.
A basement or cellar is one or more floors of a building that are either completely or partially below the ground floor. over the long run, so drainage is the key. There are draining membranes that can be applied to the outside of the basement that create channels for water against the basement wall to flow to the foundation drains.
For a basic project in zip code 47474 with 1 plan, the cost to Develop Basement Ideas starts at $1,086 - $1,763 per plan. Actual costs will depend on job size, conditions, size options.


Today we're submitting a plan to redevelop four sites—places where we already have offices but hope to significantly increase our square footage—to the Mountain View City Council.
It's the first time we'll design and build offices from scratch and we hope these plans by Bjarke Ingels at BIG and Thomas Heatherwick at Heatherwick Studio will lead to a better way of working. The idea is simple. Instead of constructing immoveable concrete buildings, we'll create lightweight block-like structures which can be moved around easily as we invest in new product areas.
(Our self-driving car team, for example, has very different needs when it comes to office space from our Search engineers.) Large translucent canopies will cover each site, controlling the climate inside yet letting in light and air.
With trees, landscaping, cafes, and bike paths weaving through these structures, we aim to blur the distinction between our buildings and nature. Of course, this project is about much more than just office space; it's about doing more with the local community as well. So we're adding lots of bike paths and retail opportunities, like restaurants, for local businesses.
We chose Mountain View for our headquarters 15 years ago because we love the beauty of the bay, the close proximity to great universities, the family-friendly environment and the chance to work in a city at the heart of Silicon Valley. Today, we want to create office spaces that don't just provide a great home for Google, but which also work for the city that has given us so much. Source by Google Official Blog.
The building's translucent canopy lifts up to allow the public Green Loop to go through the center of the building, with cafes and local shops on the lower levels. Large, translucent enclosures blur the boundaries between inside and out. These canopies regulate climate, pollution, and sound, while freeing spaces from traditional architectural limitations like walls, windows and roofs.
The canopies along Shoreline Boulevard open onto a public plaza with retail spaces. Along the street, buildings are 2 or 3 stories, with taller areas toward the center of the structures. Within the canopy, building segments operate like furniture—light, tactile and reconfigurable. These segments form small villages where employees can work or relax.
Consolidated parking sits below the building, helping us reach our goal of Net-Zero parking. Once at Landings, visitors can easily connect to the rest of campus through one of several walking and biking paths. At ground level, the environment is newly restored. Employees will be drawn from offices to the outdoors, to work alongside waterways and under trees.
Mountain View residents can walk or ride along green corridors, eat at cafes, shop, play in parks, or work in the public community gardens. By consolidating parking, traffic congestion is reduced in the area, making it safer and more attractive for people to walk and bike.
In place of parking lots and other underutilized sites, we will establish revitalized native ecosystems, including re-oaking and wetlands. This rendering shows the Green Loop, a circuit for bikes and pedestrians that weaves through urban and natural areas. A solar canopy produces energy and also protects bicyclists from the rain. Text and Images by Google +.


text:
Dear 'Muricans: Why I Like Hillary
2016 Presidential Campaign, Democrats, Donald Trump, Fox "News", GOP, Hillary Rodham Clinton, HRC, human rights, Media, men, parity, politics, Republicans, White House, women, Women's Rights
Adrienne BoettingerTuesday,22 March 2016
Recently I was asked why I support Secretary Hillary Rodham Clinton and want to see her become the 45th President of the United States. The tone with which I was asked indicated the questioner believed it was mainly because she is a woman. To my own ears, my response sounded defensive and disjointed — like I was looking for evidence to bolster my inclination and having a tough time.
I've thought about my answer in comparison to the reasons people give for liking Mr. Trump. Their answers make better sound bites — easy to remember, bold, hyperbolic and catchy. "He tells it like it is" (which to me is the most terrifying explanation). "He can't be bought" (not sure how they believe that). "He will get America back on track and help us win" (no clue what that's supposed to mean). Their answers are unsatisfactory to me just as I'm sure my answer was unsatisfactory to those asking me about HRC. I'll try to do a better job now:
Dear 'Muricans,
I like Hillary Clinton because you think she's unlikeable. I like her because when her opponents and pundits use charmingly sexist terms to undermine her, she keeps on keepin' on. I like her because you read everything she does as negative – if she is too passionate about something, you say she's "overly emotional"; if she tries to handle something stoically, you say she's "cold"; and if she tries to speak carefully to be neither too emotional nor too cold, you say she's "too rehearsed".
I like her because she laughs loud and long, even when you call it a cackle. Because she will work and play without wearing make-up. Because when a reporter asks her a sexist question, she throws it right back. I like her because she is not good at self-promotion. Because she doesn't use all her breath on how she's the best at everything and her own best advisor and wins all the time. I like her because she will admit when she's made a mistake. Because she is strong and soft, tough and fragile, smart and silly, determined and gracious.
I like Hillary Clinton because she tries really hard and keeps on trying no matter what. She believes in people, in their goodness, and she works with all her strength to help them. Out of college she worked for the predecessor of the Children's Defense Fund, co-founded the Arkansas Advocates for Children and Families as the state's First Lady, and consistently works to make sure people understand you can't separate women's rights from human rights.
And yes, I like Hillary Clinton because she's a woman and for the love of sweet baby Jesus I want to see a damn woman President in the White House. I don't give a rat's ass if you think that's a piss-poor reason for liking her. Is that the only reason I like her? No. I like her because she's the right person for the job.
Experts say people choose candidates based more on feelings than platforms. Maybe. But with Hillary Clinton, I like it all. I like the feeling of voting for a strong, resilient, dedicated woman who has already been the first in so many areas and done it with grace, skill, and aplomb. I like her positions on the issues, what she has done to actualize those positions, and her dedication to them.
Anyways, that's why I like her. I know if you gave her a chance you would too. For some reason many of you seem hypnotized by a fear-mongering, bigoted crapweasel which I think makes you unlikely to actually read the words I wrote. I hope you get better soon.
Adrienne Boettingercovers politics, news and other topics for TSD. All Posts Follow @twitterdev
Image Credit: Gage Skidmore on Flickr
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The 2016 Southern Conference Championship came down to the final period of the final championship match. Denzel Dejournette (Winston-Salem, N.C./R.J. Reynolds) delivered in the final moments of the heavyweight match to claim Appalachian State University wrestling's first SoCon Tournament title since 2003.
The Mountaineers (12-4, 6-1 SoCon) trailed 77-73.5 to five-time defending champion Chattanooga going into the championship matches. 2016 SoCon Champions Michael Longo (Corona, Calif./Santiago) at 141 pounds, Nick Kee (Laurinburg, N.C./Scotland) at 174 pounds, and Dejournette all secured wins to snap the Mocs run as champions.
Longo used a first round pin of Billy McClelland of Davidson to advance to the semi-final match at 141 pounds. Longo was down early but fought back to pin John Muldoon of SIUE in the second round to secure his spot in the finals. Longo defeated Mike Pongracz of Chattanooga in a low-scoring contest for the second-straight year. With the win, Longo is headed to New York for his second trip the NCAA Championship in as many seasons.
Kee dominated his opening match against Nathaniel Powers of Davidson, winning by 17-0 technical fall. Kee marched on the 174-pound final with a 13-4 major decision over Conner McMahon. Like Longo, Kee completed his unblemished SoCon season in the championship match, winning by 14-6 major decision over Sean Mappes. Kee will head to the NCAA Championship for the first time in his career.
App State had two wrestlers finish as runner-ups for the second-consecutive year. Vito Pasone (Wilkes-Barre, Pa./E.L. Meyers) placed second at 125 pounds while Forrest Przybysz (Jefferson, Ga./Jefferson) placed second at 165 pounds.
Pasone needed just over a minute to rack up a 16-0 technical fall victory over Zamir Ode of Davidson. In the semi-final, Pasone notched his second technical fall of the afternoon over Alonzo Allen of Chattanooga to punch his ticket into the 125-pound final. Pasone lead for most of the first two periods, but came up just short of a trip to nationals and had to settle for runner-up. Alfredo Rodriguez took control in the third period and went on to win 17-10.
Przybysz shut out Davidson's Adam Flatt 12-0 in his opening round match to advance to the semi-final of the 165-pound bracket. Przybysz won a nail-biting semifinal match with a takedown in the overtime period to advance to a SoCon final for the second consecutive season. Przybysz competed hard all match and used a late flurry to tie the match in the third period against Austin Trott of Gardner-Webb. Trott's riding time proved to be the difference as he used the extra point to win, 5-4.
Along with the five wrestlers that were in the finals, the Apps had another four third-place matches. Irvin Enriquez (Aberdeen, N.C./Pinecrest) placed 3rd at 133 pounds and Matt Zovistoski (Paramus, N.J./St. Joseph Regional), Taylor Jackson (Lady Lake, Fla./The Villages) (Rutgers), and Randall Diabe (Greensboro, N.C./James B. Dudley) all placed fourth.
App State's three conference champions will be headed to New York Ciy for the NCAA Championship held at Madison Square Garden on starting on Mar. 17.


This "Talking t-shirt" was born during a meditation retreat. I was really enjoying the peaceful state of mind and body to just be, without rushing life around. Since retreats are the best occasion to stay still and come back to our true nature is it not so easy to bring this state of mind in "everyday's life". That said, this t-shirt wants to celebrate those little moments during the day in which we find the strenght of just stay still and not fall into our traps that would love to see us rushing around.


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Sr Maureen Delaney's changing ministry at Doreen in the Yarra Valley
I sit here today, looking out at the brown grass of Summer, and the many homes that have arisen in recent time. Previously, I'd be looking at green pastures to the horizon.
In the ten years since I came to live and minister at Currajeen Retreat Centre at Doreen (26 km north-east from Melbourne's CBD), the landscape has changed. Our roads have been widened. New roads now exist. Painted Hills Rd is almost beside us; there are traffic lights at its entrance into Bridge Inn Rd where we are located.
What was then our haven of peace, the Currajeen Retreat centre, is still a haven of peace – but its surroundings are different.
Many new families have come among us. We meet them in the Supermarkets and in the Churches – a rich mix of cultures – Indians, Sri Lankans, Filipinos, South Americans, Europeans from Malta, Italy, Spain, and Austria, come to mind.
It is all about people! Through my week I walk with people from far and near, who come for support in their living, for a quiet prayer, for an answer to questions, seeking a greater openness to our loving God.
The interfaith community is strong in our Municipality of Whittlesea, as are Ecumenical involvements. Both are represented in gatherings of Spirituality in the Pub. Currajeen people are present in both, as they were in the recent gathering from the Christian Churches on the World Day of Prayer.
Our Faith Sharing Saturday mornings with the RSC sisters of Melbourne have become significant for us across the years – a reflection time together and the shared company of lunch.
These are Sr Maureen's words describing changes she has noted since coming to Currajeen in 2009. She had been in Ireland on renewal. En route back to her ministry in Launceston at the Emmanuel Pastoral and Spirituality Centre, Maureen visited her friend and mentor Sr Margaret Dwyer at Currajeen. Margaret had become the Vicar for Religious in the Archdiocese of Melbourne.
In conversation Sr Margaret asked: "Would you think about taking on this?" "This" was the ministry of Currajeen ("Spring of Living Water") with its retreats, programs in spirituality, spiritual directees, outreach and welcome to all who come.
Sr Maureen, who had grown up in Melbourne, had attended St Columba's, a Sisters of Charity College in Essendon (she is a die hard Bombers' fan), had loved her time in Tasmania. But the prospect of returning home to Melbourne, closer to family and old friends, and continuing in the ministry she loved, meant that she made the move. She had come for a short visit, and she has stayed, so far, for ten years.
It is a ministry in which she has thrived. Now in her 80th year she is seeking to lighten her "load" – the long retreats might cease, but her listening and presence with people continues as spiritual director , guide. and gatherer of individuals. Her parish priest, Fr Martin, has seen Sr Elizabeth Costigan and Sr Maureen accompanying retreatants to Mass across the years, and is aware of parishioners who come to Currajeen for advice, support, a quiet space and friendship. "Yours is a hidden ministry, Maureen", he said one day – words that delighted her with his awareness.
While the landscape of Doreen has changed, and its inhabitants, too, Sr Maureen's focus is as it has always been: "It is about the people. Always about people."
In February, 2019 Maureen's pastoral skills were particularly needed. Early in the month the people of the area were remembering and commemorating the 10th Anniversary of the Black Friday Fires. The memorials of those days were magnificent and brought the community ever closer. And, there were those for whom it was too much to participate – yet they knew strong bonds through tragedy and support for one another. "I am a survivor, not a victim!" she heard often, and they are memorable words.
Later in the month the parishioners of Mernda/Doreen were trying to come to terms with what the guilty verdict for Cardinal George Pell meant. "It was so hard being at Mass. We were feeling close to it all. There was shock, confusion, outrage, and such sadness," said Sr Maureen. "It was challenging to be there with them, being able to listen and share the frustration among us."
She had to draw on her own deep well of pastoral care and rich spiritual development to help those who were clearly suffering. These are just some chapters in Sr Maureen's journey with the Sisters of Charity. She was educated by the Sisters, and when she left school she worked with the Civil Aviation Authority. Like so many Sisters of Charity, she had considered a possible religious vocation while she was at school, but had decided when she entered the work force that was not her path. And yet . . . .
She entered in 1959, telling herself that in six months she would be home. However, she was soon involved in the Novitiate and in teacher training. Her first appointment as a secondary teacher was at Bethlehem College, Ashfield, followed by the role of science mistress at St Mary's, Hurstville. Later at St Mary's, Liverpool she was in the science mistress role and then as religious education coordinator. Years of teaching ministries followed.
In 1993, she went for renewal to the Jesuit Renewal Centre in Ohio. From that time, her ministries have been involved with retreats, spirituality, and adult faith formation – apart from the time when she was a councillor for the Congregation from the end of 2002 until the end of 2008.
And that was when she came to Currajeen's green pastures. As she looks into the future, she sees her life more involved with parishioners of the local parishes and continuing to be with Currajeen people who seek to meet with her.
While Sr Maureen's physical capacity might be declining with the years, her spiritual gifts have never been more needed.
So that is where her focus lies in the future – among the people of the area she has come to know and where she is known in the local scene of Christ the Light Parish, that enfolds Mernda, Doreen, Whittlesea, and Kinglake.
Main image: Sr Maureen Delaney
Second image: Sr Maureen Delaney and Sr Margaret Dwyer


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2Boon
3Battle against Skanda
4Literary references
Tārakāsura
(Redirected from Tarakasura)
Asura in Hindu mythology
Tarakasura
Skanda Purana
Vajranga (father)
Vajrangi (mother)
Diti (grandmother)
Kashyapa (grandfather)
Aditi (grandmother)
Shambuki
Tripurasura
Tarakasura (Sanskrit: तारकासुर:) also rendered as Tharakasuran (Tamil: தாரக்காசுரன்) and Tarakasura (Telugu: తారకసుర) is a powerful asura in Hindu mythology. He is the son of the asura Vajranga and his wife Vajrangi.[1] Taraka had three sons: Tarakaksha, Vidyunmali, and Kamalaksha, who were known as the Tripurasura.[2] He is known to be slain by Kartikeya.
Birth[edit]
Diti, ever jealous of her sister Aditi, asked for her consort Kashyapa to provide her a son who would be capable of defeating the devas, who were the sons of Aditi. Consenting, Kashyapa granted his wife Vajranga, possessing adamantine limbs, who performed her bidding by capturing Indra and the devas and punishing them. When Aditi protested, Brahma urged Vajranga to release his captives, who acquiesced, stating that he had only done what his mother had instructed. Pleased, Brahma created a wife for him known as Vajrangi, who was both alluring and loving. When he offered her a boon, she asked him to grant her a son who would capture the three worlds, and cause misery to Vishnu. Dumbstruck, he performed a penance to Brahma to grant him a good son, who was born as Tarakasura.[3]
Boon[edit]
Taraka performed a penance to Brahma, and when the creator appeared, asked for two boons: One, that none shall be his equal in all of the three worlds, and two, that only a son of Shiva could slay him. This second desire was considered to be crafty on his part, since Shiva was a yogi and was unlikely to bear children. His wish granted, Tarakasura promptly overran Svarga, expelling the devas just like his father had, but now declaring himself to be the new Indra. Indra approached Brahma and demanded that he assist him, since it was the latter's fault for granting whatever boons his devotees sought. Brahma explained to him that he could not do much, considering that Shiva was engaged in a deep tapas and would hardly notice Parvati, the daughter of Himavan who sought him as her consort. Indra devised a scheme with Kamadeva and Rati, who attempted to disrupt Shiva and beguile him with thoughts of love, accompanied by dancing apsaras and music. When Kamadeva shot his floral arrow at Shiva, he felt a powerful surge of attraction towards Parvati, but then observed the scheming Kamadeva and burnt him to ash. Parvati performed a severe tapas in order to finally win the affections of Shiva and married him with great pomp, giving birth to Kartikeya, the son of Shiva destined to slay Taraka.[4]
Battle against Skanda[edit]
According to the Skanda Purana, Kartikeya (Skanda) was appointed as the commander of the gods, charged with his destiny of vanquishing the asura. The divinities offered a number of gifts to empower him. Taraka, the king of the daityas, summoned billions of asuras to defend his realm, his forces commanded by Kalanemi. The asuras gained the upper hand, the armies of the devas falling like trees to a forest fire. Indra was struck down. Hearing Kalanemi's contempt, Kartikeya and Krishna arrived to duel him, the latter wielding his great bow and raining arrows on the asura from atop Garuda. Kalanemi responded by swallowing Krishna and Garuda whole, after which the deity sliced the asura's belly open with the Sudarshana Chakra, the celestial weapon cutting down masses of daitya warriors. Observing Taraka, Krishna spoke to Kartikeya:
O Kumara, see the Lord of Daityas, who is like Kala (God of Death) at the close of a Yuga. This is that same (demon) by whom Śiva had been propitiated by means of terrible penance. It is he by whom Śakra and others had been transformed into monkeys for one hundred million years. It is he who could not be defeated by us despite our pile of all (superior) weapons in the course of the battle. This great Asura should not be viewed with contemptuous disregard. He is Taraka. This is your seventh day. Now it is mid-day. Slay him before sunset. Otherwise he cannot be killed.
—  Skanda Purana, Kaumarika Kanda, Chapter 30, Verses 58 - 61
Kartikeya ignored Taraka's words of condescension and battled him, hurling his terrible shakti on the asuras. When the miraculous missile was thrown by Skanda of unmeasured splendour, excessively terrible clusters of meteors fell on the earth. A million missiles of shakti fell out from it, a thousand million vehicles being struck down. When Krishna urged him to hurl his shakti against Taraka, Skanda hesitated, observing that his foe was a devotee of Rudra. Krishna then manipulated Taraka into attacking Shiva.
Thereupon various Devas rushed (against the Daitya) in the following manner: Janardana lifted up his discus and rushed speedily. Indra lifted up his thunderbolt. Yama raised his staff roaring loudly. The infuriated Dhaneśvara roared raising his iron club. Varuṇa roared with his noose held aloft. Vayu raised his terrible great goad. The Fire-god (Vahni) lifted up his Śakti of great refulgence. Nirṛti raised his sharp sword. The infuriated Rudras lifted up their tridents. Sadhya-devas raised their bows. Vasus lifted up iron bolts. Viśvedevas raised pestles and thrashing rods. The Moon and the Sun their refulgence, the Aśvinīdevas the medicinal herbs, the serpents the blazing poison and Himadri and other important ones lifted up the mountains.
—  Skanda Purana, Kamumarika Kanda, Chapter 30, Verses 111 - 115
Nevertheless, Taraka proved to be an equal to all of their prowess combined, roaring triumphantly. Krishna laughed scornfully, loudly, musing that had he known that Skanda would not slay a devotee of Rudra, the devas and he would not have seen such destruction. Assuming his form of Vishnu, he wrung his arms and swore to kill all the asuras, charging against them and killing a billion of them even as he ran. The earth shook and the devas grew terrified. The gandharva Siddha urged Vishnu to think on his actions that threatened the entire universe. Reverting to his form as Krishna, Skanda and he charged towards Taraka, upon which they witnessed a woman emerge out of the latter's head. The woman announced that she was Shakti, who had resided in the asura ever since his great penance, but would now forsake him because his adharma had out-balanced his dharma. Kartikeya seized the Shakti and pierced it against Taraka's heart, finally fulfilling his destiny even as the deities hailed his name.[5]
Literary references[edit]
This story is the basis for the epic Kumarasambhava (lit., birth of Kartikeya) by Kalidasa[6] (c. 4th century CE). The theme of the vaporised love spirit roaming free in the universe was adopted by the Vaishnavas (c. 16th century) who believe it was reincarnated in Vasudeva.[7] This is also the theme of the poem madanbhasmer par (মদনভস্মের পর) by Rabindranath Tagore.
^ Sivkishen (2015-01-23). Kingdom of Shiva. Diamond Pocket Books Pvt Ltd. ISBN 978-81-288-3028-0.
^ Gokhale, Namita (2012-10-23). Book of Shiva. Penguin UK. ISBN 978-81-8475-863-4.
^ Vanamali (2013-10-04). Shiva: Stories and Teachings from the Shiva Mahapurana. Simon and Schuster. pp. Chapter 10. ISBN 978-1-62055-249-0.
^ Vanamali (2013-10-04). Shiva: Stories and Teachings from the Shiva Mahapurana. Simon and Schuster. ISBN 978-1-62055-249-0.
^ www.wisdomlib.org (2019-12-27). "Tāraka is Slain [Chapter 32]". www.wisdomlib.org. Retrieved 2022-07-11.
^ "Book Excerptise: Kalidaser granthAbalI, v.2 by Kalidasa and Rajendranath Vidyabhushan (Ed.)".
^ Prabhupada, A.C.B.S. (1972). Kṛṣṇa, the Supreme Personality of Godhead.
Retrieved from "https://en.wikipedia.org/w/index.php?title=Tārakāsura&oldid=1122910483"
Daityas
Articles containing Telugu-language text


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Ferdinand Quayson: Gh man Secures over Ghc54 Million worth of Scholarships for Needy but Brilliant Students
Wednesday, September 15, 2021 at 4:55 PM by Linda Anderson
A young man known as Ferdinand Quayson has claimed to have helped some poor but brilliant Ghanaian students
He has provided these students with over Ghc54 million worth of scholarships to study in Ivy League schools
In a recent post on LinkedIn, Ferdinand shared that his drive to provide opportunities for needy students stems from his own experience growing up
The young founder is asking Ghanaians to step in to help prepare more students for life-changing opportunities
A kind Ghanaian man called Ferdinand Quayson says he has made it one of his life's missions to provide a chance at a brighter future for needy students.
In a recent post on his LinkedIn page, Ferdinand shared that he has secured over Ghc54 million worth of scholarships for brilliant but poor students in Ghana.
The inspiration
The young Ghanaian man opened up about the inspiration behind what he does.
He shared that he was once a struggling street child who had a life-changing opportunity at a point in life to study at Wesleyan University in the US on a full scholarship in the year 2016.
Ferdinand Quayson: Ghanaian man Secures over Ghc54 Million in Scholarships for Needy but Brilliant Students Source: Ferdinand Quayson
Having had an amazing opportunity in life, he made it his mission to help provide the same opportunities to poor students who cannot afford quality education.
Young Achievers Foundation Ghana
Ferdinard Quayson shared that, through his foundation called Young Achievers Foundation Ghana, he has secured $9 million in scholarships to help needy but intelligent Ghanaian students.
These students can now pursue a world-class education at Harvard, Yale, Princeton, Dartmouth, Cornell, and Northwestern.
The brilliant and benevolent young man explained that his foundation helps provide resources, counseling, and academic support for students from under-resourced communities throughout Ghana.
I was totally depressed after being rejected by 50 graduate schools - UCC graduate shares
The hope
The hope right now, according to Ferdinand, is to raise $7000 (Ghc42,276) to help continue supporting students.
According to the young founder, the funds raised will help cover the cost of SAT boot camps, test registration fees, and living costs for accommodating 30 annual scholars.
His GoFundMe has been linked here.
YEN.com.gh earlier reported that, a fifth-grade teacher known as Joshua Martin is reported to have graciously offered scholarships to high school students he does not know with his very own money.
Good morning America (GMA) reported this in a video published on their Youtube channel.
When asked "why?" during the interview, this benevolent young man narrated that he wanted to make a change and also give students the financial support they needed to go to school.
An essay writing competition on the title, "Being a black man in America" was organized for black students to partake in and the best entries were selected. The total number of students who were awarded the scholarships was not disclosed.
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If you look closely at this 50s shirt dress from Vera Vague, you'll see that the print is actually chess pieces. And here I thought that I couldn't love 50s-era shirt dresses more than I already do.
This vintage skirt from Les Oubliettes is colorful, flattering, and affordable. Wait, why don't I own it yet?
I love the uniqueness, yet versatility of the Koko necklace from Le Petit Paillette.
These shoes from Tamar Shalem are quite possibly the most perfect pair of sandals I have ever seen.
I adore the idea of owning a bracelet with the coordinates from home, and this one from Tatum Bradley Co. is exactly what I've been looking for.
These bags from Tamitik, which you can have your photos printed on, are genius.
I'd say this sheer vintage shirt dress from Five Ten Twenty Vintage is perfect for summer, but I'd wear this beauty all year round.
That shirt dress with the chess pieces is amazing! Though, admittedly I was slightly let down because I some how read "Chess pieces" as "Cheese pieces" and was like "Cheese dress???? I need it!" Granted, I still want it as a chess dress (because cute!) but alas, it's too small for me. I also love that coordinates bracelet. I want one, too!
That is the most amazing dress I've ever seen.
lots of lovely items!! I'd say my fav might have to be the pouch w/ your picture on it though. and the skirt is so fun!
That first shirt dress is gorgeous. I always forget how much I love a classic shirt dress until I see a pretty one or someone rocking one. The bracelet with home coordinates is such a cool idea too.
Love all these picks! But I especially love the skirt and the sheer dress!
I absolutely love that vintage chess dress and the sheer blue one :) great finds!
And the blue sheer dress is pretty spectacular too! As are those sandals!
I love the uniqueness and charm of that bracelet!
Love these finds! Thanks so much for including our Chess Dress here, Elana!
You always find the most amazing pieces.
Chess pieces?! I want that one the most. Brilliant finds, per usual!


It was hoped that keen competition would be provided by a team of 17 Ugandans but they had to withdraw from the meeting at the last minute because of a Kenyan-Uganda border crisis.
However spectators at the meeting were provided with plenty of excitement as they saw one of their country's leading women runners, alice Adala, flash to victory in the 100 and 200 metre sprints. Alice Adala is the only woman athlete from Kenya who has qualified for this year's Olympic Games in Montreal, Canada.
She won the 100 metre race in 12.3 seconds and the 200 metre dash in 24.9 seconds.
In the men's 1500 metre race Nicholas Serem narrowly beat Kipsubai Koskei in 3 minutes 44 seconds.
The men's 100 metre sprint was won by Charles Asati in 10.6 seconds. In the 400 metre men's hurdles Daniel Kimaiyo won the event in 52.4 seconds.


This spacious penthouse is brought to the lettings market by Orchards of London. The property is located on the fourth floor and spans across 1,113 sq ft of living space and comprises of three well sized bedrooms, two bathrooms, one of which is an en-suite, a variety of storage space, a spacious integrated kitchen/diner and reception room. All the rooms have direct access to the private wrap-around roof terrace, the perfect venue for those upcoming summer soirees. The property is located superbly due to its close proximity to highly regarded local schooling, a vast variety of amenities, cafes, restaurants, independent retailers and much more that is on offer on Chiswick High Road. Commuters are able to get onto Chiswick Park (District line & Overground) or Turnham Green (Piccadilly & District lines) whilst motorists are near the M4.


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