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Tapas and optimism from Williams
Just had a very enjoyable day at Williams HQ in Grove where a few of us were treated to a series of briefings by the team. The drivers Nico Rosberg and Kazuki Nakajima were there, we had a talk around the car by technical director Sam Michael and then a briefing on the team's health, FOTA and other general F1 matters from Sir Frank Williams and team CEO Adam Parr.
They even threw in some lunch, all very trendy, with small tapas-sized portions and lots of them. Being Williams though it was roast beef and fish and chips in the tiny bowls rather than some continental nonsense. Rhubarb crumble and crème brulee for pudding. Hardly anyone drank any wine except a few of the older generation journos…
Williams is a no-nonsense team which has been living beyond its means for the last couple of seasons in an effort to keep up and which is therefore grateful to the credit crunch for forcing its main rivals finally to agree cost saving measures. I actually think that Williams could have been in serious trouble if FOTA had not happened and with it the agreement to slash costs. Now Williams will be able to compete more fairly and will be able to pay off their debt. Despite losing RBS, Baugar and Petrobras as sponsors, they are more diversified than some other teams, a point CEO Adam Parr made. It was interesting to see Sir Frank together with Adam. He defers to him more and more and you could see that he has great trust in his number two. Could be another handover soon a la Ron Dennis…
The drivers spoke with optimism about the season ahead. The headline quote of the day was Nico Rosberg saying that he wants to be in a top car by 2010 and although he hopes it can be with Williams, that is his clear priority. He looked fantastic, no I mean even more fantastic than he normally looks. He's slimmed down, like many drivers, because the KERS system has added weight to the cars and that means weight has to come off the drivers. Nico also said that he was relishing the challenge of the new rules with all the buttons to press and front wings to adjust. He feels that F1 is moving even more towards the intelligent drivers and he's keen to position himself as a driver with a great interest in and feel for, the technology.
Frank said that he thinks the Honda team will be on the grid in Melbourne in some guise or other, Adam added that the fact that they are still making things for the car, planning a shakedown test next week ahead of an appearance at Barcelona test the week after, shows that Honda are serious about the proposals in front of them.
Looking at the opposition, Frank said that he thought Red Bull look particularly strong. Sam Michael pointed out that the RBR car was more developed at launch than other cars, but that other teams had major upgrades planned before Mclbourne, so you could really only judge at the first race.
Everyone agreed that it's very close with no more than 3-4/10ths of a second separating the cars which have tested so far. That's mind blowing if you think about it. Sam also said that Williams are not ready with the KERS system and hope to bring it to the car soon. He reckons BMW and McLaren are the two teams who are most bullish about their KERS systems and are most likely to use them in Australia.
One interesting undercurrent I picked up was that there is some muttering about the Renault engine. They were down on power last season and were allowed by the other teams to bring their motor up to speed with the others. This was done on trust through a FOTA agreement, whereby each manufacturer presented its power curve and they all agreed what Renault should be allowed to increase by. The implication is that perhaps the power curve they demonstrated at the start was a little lower than the reality….and so they may actually be a little ahead of the others now! This would also help Red Bull as they use the Renault motor.
Sam said that the adjustable front wing was going to make a bigger difference to overtaking than he and others had anticipated, Apparently the drivers can get really close to a car in front through a fast corner onto a straight and that makes passing very possible,. It will be circuit dependent of course and Shanghai for example, with the long fast corner onto the long straight will see a lot more passing. Same with Bahrain.
The boost from the KERS button adds 5mph to a car's straight line speed so the cars which start the season with KERS will be able to take even more advantage of the adjustable front wing for passing.
Final note, Frank was very unhappy about the BBC News coverage of the RBS pulls out of F1 in 2010 story yesterday. He felt it was far too doom and gloom and also not accurate in its depiction of the facts of the story. I didn't see it, so I cannot comment, I was engrossed in Liverpool vs Real Madrid football match, which had a good outcome as far as I'm concerned.
To sum up, Williams seem quietly confident about the season ahead, the car seems to be going quite well in testing and the key for them is going to be to take their chances when they arise this year on the tracks they always go well on, the street tracks for example.
Posted in Nakajima, Rosberg, Williams | Tagged F1, Rosberg, Williams | 19 Comments
on February 26, 2009 at 4:18 pm | Reply guy
another great article james – it's really good to hear the behind the scenes stuff – keep it up! Question: does the fact 8 teams (so far) with massively varying budgets can produce cars that run within just 3-4 / 10ths of a second mean the technical regs have taken away the power / skill of the designer / engineers – you may view it as just the opposite? Perhaps that was the intention (not so much more overtaking but closer racing generally). Will this reduce costs or mean there will be more exepnsive refinement – much to the annoyance of max.
V interesting re renault engine retune – seems the other teams were caught sleeping!
on February 26, 2009 at 4:26 pm | Reply Bradley
Surely Flavio wouldn't have pulled such a dirty trick with the Renault engine, James?!
Good news about the front wing and KERS; there have been a lot of naysayers about all those new systems but it's increasingly seeming like they will be of real benefit, and that's got to be good for the sport.
As for Williams, they're in the same boat as Renault – but 12 months further down the road. Both teams will, in their different ways, be a litmus test for the viability of Max's cost-cut vision of F1 as we see whether they can find enough sponsorship to carry on going racing…
on February 26, 2009 at 4:41 pm | Reply Matthew
"Apparently the drivers can get really close to a car in front through a fast corner onto a straight and that makes passing very possible".
Best thing I've read all week! I don't understand how that would be the result of the moveable wing though, surely it's due to the overall lower downforce levels?
on February 26, 2009 at 5:10 pm | Reply Tom
How do Nico & Kazuki defend themselves against drivers with KERS, up close behind them with an extra 5mph on tap? Can they run with a higher top gear, nearer the rev limit?
on February 26, 2009 at 5:28 pm | Reply Finn
Think Frank is one of life's true gentlemen. Very focussed and determined, but a remarkable and admirable gent to his core. You know exactly where you stand with FW: very direct and clear in what he thinks and says.
The Renault engines? … possible tinkering, I guess … but with their hulking looking launch car, they probably need all the engine power they can get.
Overtaking? … how does a car on a Sunday suddenly go faster than it did on a Saturday if the cars are all in parc ferme and can't really be tweaked?
Teams will have maxed the cars out in terms of their trim, adjustable settings, KERS usage, etc, in quali, so it is difficult to see how a car that was slower on a Saturday is suddenly going to go faster on a Sunday afternoon than the car it qualified behind originally.
Being able to overtake may help when you are out of position due to fuel stops or if the car in front is really struggling because of a change (for example) in their tyre performance, etc … but car P5 isn't going to overtake cars P4 and P3 in "normal" race conditions just because of an adjustable wing. The car in front can also adjust its wing settings and it can also pump its KERS button.
If you hit the KERS button coming out of a corner and going into a straight, the car that is following is going to struggle to keep up with you as the following driver won't be able to respond quickly enough to the leading driver's burst of speed. By the time they have caught up, their own KERS energy will have been used up and the lead car will already be heading into the next corner.
I want to see more overtaking, but unless cars suddenly change their performance levels from a Saturday to a Sunday, it just isn't going to happen in any meaningful way – except when cars get out of position in qualifying.
Finn –is it not the case that cars carrying differing fuel loads, sporting different compound tyres, being quicker on different parts of the track and being quicker at different stages of the race will result in more over taking in view of the the new regs?
on February 26, 2009 at 8:49 pm | Reply Tomys
Adam Parr is absolutely outstanding man. He understands the business and he has kind of Willams feeling. I enjoyed one of press conferences of 2008 with him when he was arguing I believe with Gerhard Berger and Christian Horner about customer cars, and I just loved his arguments. Before I knew him I was not at all sure who can replace Frank once he will be not able to manage his team, but with Adam I can see now. Very charismatic person too.
Well done James for article, it seems to me you know what we would like to know and that's rare!
on February 27, 2009 at 1:22 am | Reply F1 links: F60 updates and Renault pit stops | F1 Fanatic - The Formula 1 Blog | F1 video | F1 pictures | F1 news | Lewis Hamilton | Fernando Alonso
[…] Tapas and optimism from Williams […]
on February 27, 2009 at 6:00 am | Reply Patrice Ici
I *LOVE* rhubarb crumble :o)
Forgive my naivety, but is there any significant difference in the intermediate/wet tyres this year? Slicks and moveable aero parts are an exciting proposition for dry races but what happens in the wet?
on February 27, 2009 at 10:32 am | Reply Finn
To Guy: I agree that WHEN there are discrepancies between the cars, we see overtaking (as we have always done) … but a lot of the time the cars are on similar strategies (teams tend to cover each other's positions and all run fuel and tyre changes within the same small windows) and so 'real' overtaking is unlikely if cars line up in speed order from the Saturday qualy.
I hope we will see more overtaking/racing, but I don't see much evidence so far that real race pace overtaking will be more likely with the new regs.
I hope I am wrong!!
on February 27, 2009 at 10:45 am | Reply John Snow
Loving your articles, keep them coming please! Have you thought about turning all this great stuff into a magazine? There is some good interactive electronic magazine software out there at the moment and with a few photos and sponsors you could turn this into a nice little earner for you!
on February 27, 2009 at 11:55 am | Reply F1 links: F60 updates and Renault pit stops | PooZ
on February 27, 2009 at 12:05 pm | Reply guy
To Finn: Thanks for your reply – i just re rerad your first post and understand your point, which is well made. I just hope the fact the cars can now physically drive at the maximum nose to tail should end up with more overtaking – as the quality of the driver should now shine through.
I also agree with John Snow – james – make some money out of this!!
on February 27, 2009 at 12:43 pm | Reply Clinton
I thought it was never the intention of the Overtaking Working Group to make a slower car faster than the car in front of it just by virtue of the fact that it is behind.
That would cause unthinkable results … If Car X is inherently slower than Car Y, why should it be automatically faster just because it qualified behind car Y. It leads to the situation that P2 is as good as P1, because you will be faster than P1 by virtue of being behind it and automatically overtake.
What the new regs intend to do is prevent a situation where Car X is inherently 1 second a lap faster than car Y, but still gets stuck behind it! How often have we seen that!
on February 27, 2009 at 12:47 pm | Reply Duncan
The BBC story was a bit doom and gloom but it didn't solely concentrate on Williams, it also looked at other RBS sponsored sports such as the Six Nations, which is also going to be affected.
Sir Frank was interviewed in the piece so maybe he was misquoted.
P.S. the story was on the six o'clock news!!
P.P.S I hope your reference to the Real Madrid v Liverpool game was because you like to see English clubs doing well and not because you're a Kopite!
on February 27, 2009 at 3:13 pm | Reply john g
i now view renault and flavio with the same suspision that i had of ferrari in the jean todt days. looking at the end of last season, their engines were clearly not suffering performance deficit, and if they have been allowed to carry out modifications to increase power then they will be at an unfair advantage. only the fact that the other teams all decided to allow these mods to be made keeps me from thinking it was some dodgy deal done with the FIA tho i certainly do believe that renault have kicked ferrari out of the FIA bed.
the overtaking problem is a difficult to solve. the current rules are that the quickest car qualifies at the front of the grid and the slowest at the back. as this shouldn't change significantly for the race, then why should cars be any quicker or slower relative to each other than they were in qualifying unless they are 'out of position' for some reason (tyre issue, mistake, traffic etc). all the kers and adjustable wings will not change this.
this is why the FIA have sought to introduce the gimmick of ensuring that the cars cannot be set up for maximum performance throughout the race, in the hope that teams will opt for different strengths and weaknesses. for example, with the tyres now, the compounds will be two steps apart for greater differentiation. at Melbourne, teams will be using the super soft and medium compounds, and not the softs. (it's maybe also why a lot of modern tracks have a combination of high speed long straights and pathetic slow speed corners). given that the most exciting races have been where drivers are out of position in qualifying and have to come through the field, the only genuine way to get overtaking is by a method of reversed grids. however, this needs very careful considration to avoid it being a further gimmick designed to appeal to the short attention span exceitement seeking casual viewer. the whole boost to pass culture that the FIA has adopted is already falling into this trap. overtaking needs to remain rare enough to demonstrate genuine skill (and balls) rather than being the norm. it's like goals in football compared to baskets in basketball – sure a 0-0 draw can be a very dull affair (valencia anyone?) but we must be careful it doesn't go too far the other way.
as for williams, i wish them all the best and hope they do well. privateers are vital for the sport, and nico deserves a decent car too. it does look like another very tight midfield battle again this year though, with renault and RBR and toyota certain to be very close.
john g: The reverse grid is of course a feature of banger and stock car racing (UK stock not USA) where contact is allowed if not often essential, as a part of normal passing tactics. In touring cars we have a kind of half reversal in the third race with a weight penalty applied in the second to the winner of the first. Again contact often occurs "unintentionally" with the lads happily swapping paint throughout the races.
As you mention the greatest interest is generated by a driver coming through from the back (As Lewis's famous GP2 race) But in F1 that happens very rarely, takes exceptional talent in addition to having a power or speed or grip/handling advantage and a ruthless streak. There are very few combinations of those about now that Schumi has gone. My point is that where no contact is allowed (to "enhance" the passing move) the reverse grid is impractical.
Weight penalties in line with points scored might be possible, say 250g per point to be measured on the car weigh in scrutineering on Thursday before each race. leaders may have the equivalent of a passenger in the car by end of season but it would tend to spread the points out far more throughout the field, thus it would be quite possible for a midfield runner to win the championships.
on February 27, 2009 at 10:59 pm | Reply Dermot
Any views on the fins which Williams have mounted each side of the cockpit? Will their legality be questioned or is this another loophole allowing bodywork on that particular area of the car?
They should be banned for destroying the looks of an otherwise stunning looking car! The livery kinda takes me back to the days of the rothmans livery too…
All the best to the Williams boys…we need a privateer challenging for wins again to spice things up a bit.
on February 28, 2009 at 6:03 pm | Reply shostak
Yes, Renault and Red Bull will have an unfair advantage this year with his engine, the same Ferrari and McLaren had last year.


Thank you for this information! I finally found exactly what I needed to get started.
I tried all id's up to 250.000 or something like that.
I've just released a Swift project on Github that accesses all of Blizzard's API for WoW, StarCraft 2, and Diablo 3. This includes the new OAuth services.
If there are any iOS developers out there this should make it easier to create apps.
It's not built as a framework, more like a foundation for an app, but it's a fairly comprehensive start.
Do any of the WoW API's contain GetBuildInfo() method?
I'm tinkering around with an AddOn to update the Interface Version number of the *.toc file for AddOns that have been installed and would like to update a resx string value with the appropriate ## Interface Version: so that when a patch happens a player with many addons can quickly and cleanly update their addons interface version number so that the client no longer sees the addon as out of date unless the addon is returned an error value indicating could not be loaded, or impossible to load. I'm seeing this as a FrameXML that could be run from a slash command that would invoke the library I have created that would go out to the file system open the toc file in each addon (unless it was prefaced by "Blizzard_" (indicates a Blizzard implemented addon which should not be modified)) recursively walking the directory tree opening each toc file in turn checking the Interface version for a match if found skip to next addon if match not found update existing interface version with corrected interface version number save the file close the file and continue iterating until all addons are updated with the current interface version.
The goal is to make AddOns that have been updated but the author failed to update the Interface Version number correctly loadable without the out of date flag and to do so programatically so that the player does not have to spend much time on going through a long list of addons opening a toc file checking the interface version updating if necessary saving the file and closing the file.
I realize that the Load out of date addons does this but I constantly find myself having to do this when I update addons from curseforge because the addons author has not updated the toc Interface version so I decided a tool was in order to go through the list in a rapid relatively pain free way.
Any help on Implementing GetBuildInfo() would be appreciated.
I have written a small tutorial to get OAuth2 in development and production environments with passport-bnet in Nodejs Express.
I've updated 2 year inactive https://github.com/strattonw/wow4j for the new developer platform and contacted the orginal maintainer already, that he may transfer me his project.
My plans for my project will be to use more endpoints, implement callback and a way better documentation.
Hey, I created an API wrapper library for WoW, SC2, and D3 community APIs called BlizzPy for Python developers. It includes fetching character, guild, auction, PVP, pets, and general game data for WoW (both raw JSON and organized data), ladder and player data for SC2 (both raw JSON and organized data), and just raw API data for D3.
You can install it through "pip install blizzpy".
Could you add it to the list? Thanks.
I updated the python-wowapi to support the new client credentials flow. Also the project no longer lives on bitbucket as stated in the first post, but on github.
if you please can update the list with this php gist https://us.battle.net/forums/en/bnet/topic/20769697539 using GuzzleHttp and kamermans\OAuth2 to request the new api with Oauth2.
It's an rss feed generator for WoW which I implemented based on benweiers blizzard.js js library in node.
Description: A simple API proxy server for the battle.net API. Will retrieve the access token and proxy API request. Useful for web UIs that don't wish to expose API credentials to the end user. Can be easily deployed as an application using Docker or hosted on a free site, such as Heroku.


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Caruana, Fabiano (2381) - Strikovic, Aleksa (2498) - Narciso Yepes Memorial, Lorca, 2005
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New Jersey Wedding Photographers - NJ NY Photography | What to look for in a wedding videographer?
Recently, my cousin became engaged, and I will be his best man. Naturally, the subject of who will be his wedding videographer came up. His answer was simple: what should I look for in a wedding videographer? I had to think a little bit before answering. I mean, I never really thought about it from a client's perspective, and I realized that this must be what many couples go through when choosing a wedding videographer. So I would like to shed some light on the subject.
When I was looking for a doctor, a good friend of mine, who is an excellent surgeon, told me: "If you have to select a doctor, would you go with the one that does one or two operations a month, or the one that does three surgeries a week?" I did not have to think twice. The answer was obvious, the one who does three operations a week. Why is that? That doctor who does more surgeries is obviously more experienced.
When you look for a wedding videographer, that same remains true. On average, a busy wedding videographer will record about 20-35 weddings per year. Above 35 weddings could be overkill.
First of all, make sure that your wedding videographer has done more than thirty weddings. A wedding videographer that has done more than fifty wedding could be easily considered an experienced videographer.
I wouldn't really put much weight if the wedding videographer says that he or she has two, three or five years of experience. It does not really matter. What matters is how many wedding he or she has done. The more the merrier.
Why is experience so important to me ? Because in DSLR video, focusing is extremely important and difficult, and practice makes master. Unless your taste is for video that goes in and out of focus, you should look for a videographer what will keep your video in focus.
Depending on your budget you may want to go with only one wedding videographer instead of multiple wedding videographers. Watch samples of his or her work while shooting a wedding video alone. Ask what is the best position he or she adopts during the ceremony and the reception.
Ask to see work while working with several videographers as well. How they position each camera during the ceremony and reception.
Ask to watch excerpts of a wedding video more than a highlight. Many wedding videographers emphasize in the highlight more than the wedding video itself. I have seen wedding videographers missing important parts of the ceremony because they are working to get an exotic angle down from the aisle floor or with the slider. They do this just to create more production value to their highlight to show future clients.
There are many, but many wedding videographers still using regular HD cameras, which give you acceptable image, but not cinematic look like DSLR cameras would give you.
Image quality is just half of your wedding video, sound is the other half.
A wedding video with bad sound could damage the quality of the video.
Ask the wedding videographer how they capture sound during the ceremony and reception, specially if you are getting married at a church, which has a lot a reverberation. Just make sure your wedding videographer mics the officiant or officiants, the groom and podium. They should be able to capture good sound from anywhere people will be talking or singing.
Ask how long your wedding video will be. I have heard of wedding videographers that charge a great amount of money for their service, but only provide a 5 minute highlight and unedited raw footage. If you pay a couple thousands more, they give you 20 to 30 minutes wedding video. They reason that a video of more than 30 minutes could be boring and people would not enjoy it. I am one of those wedding videographers, who does not believe that. I think that the client could get a nicely edited wedding video of the entire wedding without being boring. If you would like to jump to certain part of the video, there are always the chapters. Just go to the scene selection on your dvd or blu ray and select whatever you would like to watch. Don't take me wrong, a shorter version of your wedding video is awesome, and we do offer it. In fact, we were one of the first studios to introduce this concept, but I just don't think that it should replace a long version of your complete wedding video.
Ask about the turnaround of the work. There are many wedding videographers that promise a first draft of your wedding video in five or six months. In my opinion that is too long. I provide a first draft of a wedding video within 2 months from the wedding day, so I can't really comprehend six months.
Check how the final product is delivered. There are many wedding videographers that are still providing their clients with dvd only, and what good is it to record something in hd if it will be delivered in standard definition. Other wedding videographers will charge extra for blu rays. So make sure you know the final format. Even if you don't have Blu-ray, make sure you get Blu-rays.
Ask if they provide unlimited access to the video online or the digital copies for your mobile device.
Check if they allow changes to your wedding video and how the terms are for these changes.
A wedding video is one of the best memories you will have from your wedding day. You need to make sure that you will get the best possible wedding video.


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William H. Kieser
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Born in Williamsport and raised near Trout Run, Bill spent the summers of his youth in Newberry at the Diamond Street home of his grandmother, Rena B. Kieser. He spent countless hours in Newberry Park and played Original Little League and West End Babe Ruth Baseball. At the age of 16, when Bill's parents instructed him to "go find a summer job", he approached his grandmother's neighbor, and his father's friend Larry Sanders who owned the funeral home next door. He started working at Sanders Mortuary during the summer of 1992, cutting grass and filing papers. He has been an employee ever since.
Bill graduated from Liberty High School in 1994 and earned a B.S. in Business Administration from Lycoming College in 1998. In 1996, he made the decision to attend mortuary school at the Pittsburgh Institute of Mortuary Science (PIMS). In 1999, he graduated from PIMS with honors. Bill returned to Williamsport to complete his apprenticeship with Larry and Nancy Sanders. After passing the state and national boards in 2000, he became a licensed funeral director. Bill continued working at Sanders Mortuary and in December 2009, he became the owner of Sanders Mortuary, with Larry and Nancy Sanders staying on staff as licensed funeral directors.
Bill is actively committed to serving the community in which he lives and works. Most notably, he is past president of the Newberry Lions Club and past president of the Newberry Community Partnership. He serves on the Board of Directors for the Salvation Army and Susquehanna Health Heartworks Program. He is a Leadership Team and active member of Pine Street United Methodist Church. In his spare time, he enjoys being with his family, coaching baseball at Original Little League, and once in a while can be seen out playing golf, hunting and snowmobiling.
Bill resides in Williamsport with his wife Sarah, his son Pence, his daughter Pippy and their dog Saki.
Bill continues to uphold the standards of integrity and excellence that have been the trademarks of Sanders Mortuary throughout the past seven decades as he continues to serve families in the greater Williamsport area and beyond during their most solemn times of need.
Michael R. Lingg
A native of Williamsport, Mike grew up in the East End and graduated from Bishop Neumann High School in 1992. After graduation he earned a Bachelor of Arts degree from Mansfield University in 1995 and graduated from Simmons Institute of Funeral Service, Syracuse, NY in 1997. Mike became a licensed Funeral Director in 1998 and has since worked in funeral homes in both Lancaster and Williamsport.
In addition to his funeral director license, Mike has his life insurance license, enabling him to provide pre-need funeral insurance to families that we serve. Mike has been a vital part of the Central Penn Funeral Directors Association where he has served various roles.
Community involvement is important to Mike. He has served on committees with the Williamsport / Lycoming Chamber of Commerce, and is a member and former past president of the Williamsport Area Management Association. Mike enjoys coaching his sons in AYSO soccer, Loyalsock Little League, Trinity Basketball teams in the Bower League and Little Lancer Basketball Program. Mike serves as an usher at Trinity Episcopal Church where he and his family attend.
Mike and his wife, Amy, live in Loyalsock Township with their sons Steven and Ryan. His oldest child, Renee graduated from Penn State University and currently resides in Boston where Mike likes to visit and delight in New England cuisine.
Sarah E. Kieser
Funeral Director & Family Care
Born and raised in York, Pennsylvania Sarah is now delighted to call the Northern Tier of the state home. She has been with Sanders Mortuary since 2014 and is a Licensed Funeral Director, a Certified Celebrant and holds a PA Life Insurance License. Sarah graduated from Red Lion High School, York College with a Bachelor's degree in Public Relations and Speech Communication. She earned a Master of Science degree in Gerontology from Towson University, Towson, MD and a Mortuary Science degree from American Academy McAllister Institute, New York, NY. Prior to working alongside her husband Sarah assisted funeral directors in PA, DE, RI and MA with their Pre-Planning programs, helping them educate their communities on the important benefits of advance funeral and cremation planning.
Often found helping with many tasks around the funeral home, Sarah embraces working with families and finding a creative spin to celebrate one's life. She hosts our Lunch & Learn workshops, helps with monuments and represents the funeral home at community outreach events. Sarah truly enjoys having conversation and helping folks pre-plan their funeral services ahead of time for complete peace of mind.
Sarah helps coordinate our Wreaths Across America Program, Operation Valentine, Valentines Luncheon, Holiday Remembrance Service and so many more programs that Sanders participates in. She currently serves as the Pine Street United Methodist Church Coordinator for Family Promise of Lycoming County, is a Past President, Secretary and Treasurer of the BNI Millionaires Networking Chapter, serves as a Committee Chair for the American Cancer Society's Destiny Ball Event, and plays an active role currently serving as President for the Newberry Lioness Club.
Sarah enjoys being with her family, cheering on Pence & Pippy in all of their events and taking trips to York County and the beach whenever she can. You may even spot her walking around Newberry with her dog Saki or volunteering around town. Sarah and Bill are proud to call Williamsport Home and be of service to the many great neighbors they are blessed with.
Bryan H. Hunsinger
Born and raised in Williamsport, Bryan graduated from Williamsport Area High School, Class of 1982 and started working at Sanders in the summer of 1983. He attended Williamsport Area Community College and Lycoming College and graduated with a Mortuary Science Degree from Cincinnati College of Mortuary Science in 1987. Over the course of the last 30 years, Bryan has worked as a Funeral Director in Hummelstown and has also owned and operated his own funeral homes in Beavertown and McClure. In 2009, Bryan returned to Lycoming County and worked for the McCarty-Thomas Funeral Home before re-joining the staff at Sanders in 2015. You can find Bryan with a smile on his face, helping out in all areas of the funeral home. The hard work ethic instilled in him by his parents truly shows as he goes from directing funerals and preparing deceased for services to grabbing a paint brush and applying a coat of paint, to mulching and landscaping, doing anything that is needed around the funeral home. His extensive knowledge of video and photo technology has made him an essential part of our Tribute Videos produced for families.
Bryan is an advocate for the Skip Hunsinger Children's Christmas Spectacular in town carrying on a tradition and program started by his father. He lives with his wife, Nevilee in Williamsport. In his spare time he enjoys being at the family cabin in Central Oak Heights, cooking, relaxing in his hot tub, doing yard work and other outdoor activities.
Coy D. Thornton
Born and raised in Ebensburg, Cambria County PA. He is a graduate of Central Cambria School District and following the 9/11 2001 attacks he followed in his older brother's military footsteps by enlisting in the United States Marine Corps Reserve, and achieved the rank of Sergeant. During Coy's eight years in the military he served one mobilization and one deployment overseas in support of Operation Enduring Freedom. While not serving with the Marines, Coy learned the masonry trade and earned a commercial driver's license having achieved 500,000 safe miles.
At the age of thirty Coy decided he wanted to go to college and spend the rest of his life serving a community. He obtained his Mortuary Science degree from the Pittsburgh Institute of Mortuary Science and a bachelor's degree in Business from Point Park University in 2014, graduating with high honors. Coy has been employed at Sanders Mortuary since 2016 where he served his apprenticeship and earned his PA Funeral Directors License. He is very passionate about serving families in their worst time of need by providing quality products, expert embalmings, and perfect service for all of our families regardless of social status or financial standing. In his free time, Coy enjoys volunteering in the kitchen at the Duboistown VFW Post #7863 where he also serves as Post Chaplain, participating in activities as a member of the Williamsport Marine Corps League, and working on his next degree with the John F. Laedlein Blue Lodge #707. Coy is also a great advocate replacing veterans cemetery flags and participating in Wreaths Across America. In his spare time you can find him playing the guitar, boating, fishing, swimming, tubing on Lycoming County streams, spending time with his family around campfires, and riding his Harley Davidson with his older brother and fellow veteran brothers and sisters of various veteran motorcycle organizations.
Alyssa L. Fink
Born in Williamsport and raised in the outskirts of Jersey Shore, Alyssa is a 2012 graduate of Jersey Shore Area Senior High School. After graduation she attended Pennsylvania State University until transferring home and graduating from Pennsylvania College of Technology with a B.S. in Business Administration Management Concentration with a minor in Marketing and a B.S. in Business Administration Banking and Finance Concentration with a minor in Small Business and Entrepreneurship. Alyssa obtained her degree in Mortuary Science from Pittsburgh Institute of Mortuary Science. In the warmer months Alyssa can consistently be found on the water with her family and friends kayaking the local creeks, river and streams or hiking the local state woods searching for waterfalls.
Robert L. Bickel
Peter Heilman
Dale A. Metzker
Donald O. Praster
Donald R. Richard
| 821 Diamond Street
| Williamsport, PA 17701
| Tel: 570-322-3466
sandersmortuary@sandersmortuary.com


Our Shepherds huts are nestled away in our woodland a mile away from the village of Thompson, full of luxuries such as a king size bed, microwave, wood burner, fridge, gas hob, large shower, flushing toilet, illuminated mirror, electric hand rail, wash basin, tea, coffee, sugar, bath towels, hand towels and lots more. Open your double doors and step onto our bespoke verandas fully equipped with a double ended bath, fully equipped outdoor kitchen, combi oven, gas fire pit and alfresco dining.
Why not venture away from the stresses of life and step in the enchanted woods at Thompson Hall Retreat.
Follow the meandering drive across the fields and arrive into a beautiful wood full of mature beech, elm, oak and sweet chestnut trees.
Park your car and follow the woodland path in search of one of the most glamorous shepherds huts your eyes will ever see, finished to a very high standard with a luxurious king size bed, combi oven, fridge and a beautiful shower.
The shepherd's huts face east to so you can capture the sun rise across the arable fields and the neighbouring land owns and managed by the Norfolk wildlife trust.
Enjoy the peace and tranquillity of nature around you and this will soon help you relax and unwind. Open the doors and step onto the veranda with a luxury outdoor bath, dining area and outside kitchen all under the glow of LED lighting.
We can delivery to your hut breakfast, lunch, or dinner hamper so you don't have to venture out various selection are available all with local produce.
If you fancy a takeaway you can order pizza, Indian or Chinese and it will be delivered to your door, or if you would prefer a mile into the village is our local pub with local ales, and wide range of meals.
Wander around the back of you hut and follow a short path to our fields where you can sit amongst the trees and watch the sun go down or even play games on our fields. Find your way back to your hut and settle down in front of the wood burner or sit out on the veranda under your patio heater or lounge in a hot bath and gaze at the stars. You can also gaze upon the stars sitting in your fenced garden on the outdoor furniture, with the heat from the gas fire pit keeping you warm.


The nature of the Gibbs energy change gives an indication of the direction of spontaneously proceeding processes in isolated and closed systems. When ∆G<0, the process can proceed, at ∆G>0, the process processes spontaneously in opposite way (in other words, if the Gibbs energy in the initial state of the system is greater than at the end, the process can take place if on the contrary - it may not) . If ∆G = 0, then the system is in a state of chemical equilibrium.


Our activated carbons and activated carbon cloth provide personal defense solutions against potentially harmful vapors, gases, air particles and dust.
Beijing Bule Forest Carbon Industry Company has been pioneering advances in personal and collective protection filters. Today, we supply the most technologically advanced, impregnated carbons for military, industrial, and laboratory markets. As new needs for personal protection emerge, we continue to develop new products and find innovative uses for existing ones.
Activated carbon provides an engineered surface on which to develop novel chemistries for neutralizing various contaminants. Depending upon the requirements of the application, activated carbons can be impregnated with a variety of metal complexes to remove a diverse range of contaminants. In the simplest terms, impregnated activated carbons do double duty. They first remove (adsorb) the contaminants from the air. The carbon then either holds the contaminants or reacts to render them harmless. This functionality for both physical and chemical interaction with contaminants makes impregnated activated carbons ideal for respirator and collective protection filter applications.


text:
'use strict';

const gulp = require('gulp');
const jshint = require('gulp-jshint');
const stylish = require('jshint-stylish');
const mocha = require('gulp-mocha');
const webpack = require('webpack-stream');
const sass = require('gulp-sass');

let paths = ['*.js', 'config/*.js', 'lib/*.js', 'models/*.js', 'routes/*.js', 'test/*.js'];
let sources = {
  js:['./app/**/*.js'],
  wp:['./app/**/*.js',],
  test:['./test/unit/*.js']

}

gulp.task('lint', function() {
  return gulp.src(paths)
    .pipe(jshint({
      "bitwise": true,
      "curly": true,
      "eqeqeq": true,
      "esversion": 6,
      "forin": true,
      "freeze": true,
      "noarg": true,
      "noempty": true,
      "nonbsp": true,
      "strict": true,
      "undef": true,
      "unused": true,
      "mocha": true,
      "node": true
    }))
    .pipe(jshint.reporter(stylish));
});

gulp.task('mocha', function() {
  return gulp.src('test/*-test.js', {read: false})
    .pipe(mocha());
});

gulp.task('build:html', function(){
  return gulp.src(['./index.html'])
  .pipe(gulp.dest('./build'));
});

gulp.task('build:css', ['sass'], function(){
  return gulp.src(['./style/style.css', './style/skeleton.css'])
  .pipe(gulp.dest('./build/style'));
});

gulp.task('build:templates', function(){
  return gulp.src(['./app/templates/**'])
  .pipe(gulp.dest('./build/templates'));
});

gulp.task('bundle:test', function() {
  return gulp.src(sources.test)
    .pipe(webpack({output: {filename: 'test_bundle.js'}}))
      .pipe(gulp.dest('./test'));
});

gulp.task('test', function(){
  return gulp.src(sources.test)
  .pipe(webpack({
    output: {
      filename: 'test_bundle.js'
    }
  }))
  .pipe(gulp.dest('./test'));
});

gulp.task('bundle', function(){
  return gulp.src(sources.wp)
  .pipe(webpack({
    output: {
      filename: 'bundle.js'
    }
  }))
  .pipe(gulp.dest('./build'));
});

gulp.task('sass', function () {
  return gulp.src('./style/sass/*.scss')
    .pipe(sass().on('error', sass.logError))
    .pipe(gulp.dest('./style'));
});

gulp.task('build', ['build:html', 'build:templates', 'bundle', 'build:css'])

gulp.task('default', ['lint', 'mocha']);

// var watcher = gulp.watch(paths, ['lint', 'mocha']);
//
// watcher.on('change', function(event) {
//   console.log('File ' + event.path + ' was ' + event.type + ', running tasks...');
// });

redpajama_set_name: RedPajamaGithub


Guest author: Peter Smith, Ph.D., assistant professor of peacemaking & conflict studies.
For many Americans, September 11 was a defining moment 16 years ago. One of the comic strips in the morning paper directed my attention this way. It read: "Never Forget" and included a shadow outline of the Manhattan skyline with the World Trade Towers. It got me thinking about the role of memory and what message I was to be taking from the comic stip. What exactly should not be forgotten? Evil deeds? Symbols of capitalist conquest? First responders? Terrorists? So, my musings began with what we are not to forget and it was not clear to me. But, more than that, it is not just what we remember but how we remember that makes a significant difference. For instance, the Israelites were counseled to always remember that they were once slaves/mistreated aliens in Egypt, so this should inform the ways that they related to strangers living among them thenceforth: with compassion and justice rather than exploitation and disregard. Thus, remembering is critical for current action.
The preeminent story for Christians is the life of Jesus, a narrative which we are to "Never Forget." But here, again, it is not merely what we remember but how we remember. One way of remembering could be steeped in bitterness and the desire for revenge against those who persecuted and killed Jesus. Rising up in rebellion against Rome was a tempting option for some. Later generations of Christians fell prey to the temptation to blame the Jews as those responsible for orchestrating the death of Jesus. In such cases, remembering of the death of Jesus becomes fuel for revenge. But the story of Jesus, rightly remembered, is one of healing and the quest for right relationships amongst humans. When Jesus holds his last supper with his disciples, he predicts his death and tells them that the new covenant will be centered in his self-offering of his whole being; bread and wine symbolizing his body and blood. Thus, rather than encouraging his disciples to focus their remembering on the perpetrators and the atrocity of putting an innocent person to death, he invites their (and our) remembering to be oriented around his consistent way of life, which death could not vanquish, self-offering love.
The work of restorative justice has to do with leading people in an exercise of remembering that emphasizes how we remember, not just what we remember. For, when offenders are called upon to remember their deeds, they do so with guidance to take responsibility, to not make excuses, and to apologize. And when victims are called upon to remember the offense they suffered, they are counseled to do so with honesty, speaking from their pain and confusion. And both parties are counseled to listen respectfully, which is a major contributor toward remembering the events in a way that leads toward healing and harm repair rather than further hurt and destruction. So, we might ask ourselves whenever we are encouraged to "Never Forget," what is it that needs remembering and in what ways can our remembering be most helpful toward bringing about the flourishing humanity?


Fort Lauderdale marble polishing may require the usage of paraffin wax, several sandpapers, cloths and pumice containing wax care solutions that can cost around $851 to $1,005 depending on the size of the marble surface.
Search the FORT LAUDERDALE, Florida Credibility Review business directory to find information on Plating and Polishing companies. Check DandB.com to gain business insight.
We are a fully licensed and insured glass repair and restoration company. Located in South Florida, we provide a quality service to residential, industrial, and commercial customers throughout Miami, Ft Lauderdale, and West Palm Beach. Our service is on-site, which means we repair scratched glass without having to remove it.
Klindex innovated much of the process , technique , and tooling used in the flooring preparation and restoration business, including the diamond grinding disk. Klindex grinders are built to last a lifetime and are gear-driven, which means no belts to break.
Right from the sanitization of the restroom to industrial floor cleaning, floor polishing to commercial carpet cleaning, we can meet every need of our customers with the help of a well-trained team, brilliant equipment, and standard products and processes.
Klindex floor grinding polishing equipment for superior floor finishing. Designed and made in Italy. The professionals choice the world over. Superior quality machines and tools. Diamond tools for grinding and polishing. For all natural stone types. Such as marble, granite, terrazzo, travertine etc. Diamond tools for concrete polishing.
Find car washing and polishing equipment and supplies in Welleby, Fort Lauderdale, FL on Yellowbook. Get reviews and contact details for each business including videos, opening hours and more.
30+ items· 31 Cleaning, Polishing, and Finishing Companies in Florida. Search or browse our list of Cleaning, Polishing, and Finishing companies in Florida by category or location.
AAA Marble Care specializes in sealing services of natural stone, Marble Polishing, Granite Polishing, Marble Cleaning, and Marble Floor Polishing. We are a family owned and operated business. Proudly serving Parkland, Fort Lauderdale, Boca Raton, Palm Beach, Aventura, Key Biscayne, Bal Harbour, Brickle and the surrounding South Florida areas.
Car Washing Polishing Equipment Supplies in Ft Lauderdale on YP.com. See reviews, photos, directions, phone numbers and more for the best Car Washing & Polishing Equipment & Supplies in Ft Lauderdale, FL.
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Find the Best Fort Lauderdale, FL Metal Polishing Buffing & Plating on Superpages. We have multiple consumer reviews, photos and opening hours.
"Fort Lauderdale marble polishing and restoration services don't get any better than this!" As the leading marble restoration and marble cleaning company in Fort Lauderdale, Florida, Classic Marble Restoration has the ability to bring your marble, limestone, granite, and terrazzo back to life!
It is a well-known fact that terrazzo is durable. All it needs is the right methods to achieve an exceptional terrazzo polishing in Fort Lauderdale. We have the skills, experience, and the equipment to restore your flooring to the way it looked when it was new or just installed.
Terrazzo Polishing Fort Lauderdale Plenty of home and business owners alike choose terrazzo floors for their durability and aesthetic appeal. A beautiful terrazzo floor is made from a conglomerate of glass, tile pieces, seashells and more inlaid in cement and polished for a smooth finish.
Join for FREE to read real reviews and see ratings for Fort Lauderdale Floor Polishers near you to help pick the right pro Floor Polisher.
A Cleaning Supplies and Rentals specialises in vacuums sales and service in Broward County, vacuum repair, janitorial cleaning equipment, marble floor polishing products, floor scrubber rentals, janitorial cleaning products, floor machine rentals, carpet cleaner rentals, vacuum cleaner sales and much more. We are one stop shop located in Fort Lauderdale, Broward County.
ISO 9001:2008 certified stainless steel polishing services. Materials handled also include aluminum, brass, steel, copper, magnesium, powder metal, silver, titanium, acrylic & plastics. Parts in lengths up to 40 ft. can be finished. Capabilities also include grinding & buffing.
The top 35 listings for Truck Polishing Supplies in or near Miami, FL : Chrome Meca Truck, Tim Halpin Equipment Corp, 4 Trucks Enterprises, T M Trading Inc, Truckin Motion Truck Polishing Supplies. The Top 35 Listings in or near Miami, FL.
Find car washing and polishing equipment and supplies in North Lauderdale, FL on Yellowbook. Get reviews and contact details for each business including videos, opening hours and more.


text:
Q: Why ipython Anaconda does not recognize my omdb import? I am having some issues understanding what is happening with the installation of omdb module in my computer (https://github.com/dgilland/omdb.py).
I installed via Terminal using:
pip install omdb

Then I created a simple python script to test if it would import correctly:
import matplotlib
import omdb

print omdb.get(title='A Beautiful Mind', fullplot=True, tomatoes=True)

The script ran perfectly when I used python in terminal:
python movies.py

but then I tried to use my ipython with Anaconda, and I would always get the following message:
ImportError: no module named omdb

Is there another way to install a module, or am I missing something about Anaconda and Python?
All I wanted was to be able to use omdb. I'm using Python 2.7.11-0 and OS X 10.9.5. Any help is appreciated

A: That's because Anaconda installed packages aren't stored into a Python library, it has it's own warehouse. So you should use the command for it:
conda install omdb

Anaconda comes with its own package manager named conda. It also doubles as a virtual environment manager.
The Python package manager is pip, which is only a package manager and you will have to install virtualenv in order to manage virtual environments.

redpajama_set_name: RedPajamaStackExchange


text:
"use strict";

var _ = require('./lodash');
var utils = require('./utils');

module.exports = function(markdown, type) {

  // Deferring requiring these to sidestep a circular dependency:
  // Block -> this -> Blocks -> Block
  var Blocks = require('./blocks');
  var Formatters = require('./formatters');

  // MD -> HTML
  type = utils.classify(type);

  var html = markdown,
      shouldWrap = type === "Text";

  if(_.isUndefined(shouldWrap)) { shouldWrap = false; }

  if (shouldWrap) {
    html = "
" + html;
  }

  html = html.replace(/\[([^\]]+)\]\(([^\)]+)\)/gm,function(match, p1, p2){
    return ""+p1.replace(/\n/g, '')+"";
  });

  // This may seem crazy, but because JS doesn't have a look behind,
  // we reverse the string to regex out the italic items (and bold)
  // and look for something that doesn't start (or end in the reversed strings case)
  // with a slash.
  html = utils.reverse(
           utils.reverse(html)
           .replace(/_(?!\\)((_\\|[^_])*)_(?=$|[^\\])/gm, function(match, p1) {
              return ">i/<"+ p1.replace(/\n/g, '').replace(/[\s]+$/,'') +">i<";
           })
           .replace(/\*\*(?!\\)((\*\*\\|[^\*\*])*)\*\*(?=$|[^\\])/gm, function(match, p1){
              return ">b/<"+ p1.replace(/\n/g, '').replace(/[\s]+$/,'') +">b<";
           })
          );

  html =  html.replace(/^\> (.+)$/mg,"$1");

  // Use custom formatters toHTML functions (if any exist)
  var formatName, format;
  for(formatName in Formatters) {
    if (Formatters.hasOwnProperty(formatName)) {
      format = Formatters[formatName];
      // Do we have a toHTML function?
      if (!_.isUndefined(format.toHTML) && _.isFunction(format.toHTML)) {
        html = format.toHTML(html);
      }
    }
  }

  // Use custom block toHTML functions (if any exist)
  var block;
  if (Blocks.hasOwnProperty(type)) {
    block = Blocks[type];
    // Do we have a toHTML function?
    if (!_.isUndefined(block.prototype.toHTML) && _.isFunction(block.prototype.toHTML)) {
      html = block.prototype.toHTML(html);
    }
  }

  if (shouldWrap) {
    html = html.replace(/\n\n/gm, "

");
    html = html.replace(/\n/gm, "

");
  }

  html = html.replace(/\t/g, "    ")
             .replace(/\n/g, "
")
             .replace(/\*\*/, "")
             .replace(/__/, "");  // Cleanup any markdown characters left

  // Replace escaped
  html = html.replace(/\\\*/g, "*")
             .replace(/\\\[/g, "[")
             .replace(/\\\]/g, "]")
             .replace(/\\\_/g, "_")
             .replace(/\\\(/g, "(")
             .replace(/\\\)/g, ")")
             .replace(/\\\-/g, "-");

  if (shouldWrap) {
    html += "
";
  }

  return html;
};


Global 1,2,3-Benzotriazole Market elaborates the complete details covering product definition, product type, key companies, and application. The report covers useful details which are categorized based on 1,2,3-benzotriazole production region, major players, and product type which will provide a simplified view of the 1,2,3-benzotriazole industry. The 1,2,3-benzotriazole market report presents the competitive scenario of the major market players based on the sales revenue, customer demands, company profile, the business tactics used in 1,2,3-benzotriazole market which will help the emerging market segments in making vital business decisions. The 1,2,3-benzotriazole market study is based on major geographical regions South America, Europe, North America, The Middle East & Africa, China, India and Japan.
The 1,2,3-benzotriazole report covers all the minute details related to the industry like technological developments, growth opportunities, threats to market growth, innovative strategies and futuristic market trends. Global 1,2,3-benzotriazole market analyses the report based on customer demand, supply and demand status, competitive market scenario and industry policies. The company profile of the eminent 1,2,3-benzotriazole market players based on the sales margin, import/export scenario, past, present and the future market scenario will filter essential market details.
The 1,2,3-benzotriazole market review also provides information stating the downstream buyers and raw materials analysis, 1,2,3-benzotriazole market development status, major vendors, technical advancements, business tactics which will help the emerging market segments in taking useful decisions that will fuel the growth of 1,2,3-benzotriazole industry. The growth of 1,2,3-benzotriazole market during 2012-2017 has been covered and future growth expected has been elaborated in this report. Latest industry news, plans and policies, 1,2,3-benzotriazole supply and demand scenario, and the market characteristics are also covered in this report.
This report focuses on the 1,2,3-benzotriazole in a global market, to categorize the market based on key players, type, application. This study answers several questions for 1,2,3-benzotriazole manufacturers primarily which market area they should focus upon during the next five years.
In the first section, the 1,2,3-benzotriazole report portrays fundamental market overview, product classification, cost, applications, 1,2,3-benzotriazole market scope and market volume forecast from 2012-2022. 1,2,3-benzotriazole market segmentation based on key geographical regions, 1,2,3-benzotriazole market dynamics, factors contributing the development of the market and the hurdles to the market growth are analyzed in this report. 1,2,3-benzotriazole applications, market dynamics, in-depth study of emerging and existing market segments is covered in this report.
In the second section 1,2,3-benzotriazole, the report analyzed the industry chain scenario, stating the major 1,2,3-benzotriazole players, their market volume, upstream raw material description of 1,2,3-benzotriazole, labor cost, production cost, 1,2,3-benzotriazole marketing channels and downstream consumers.
In the third section comparative study of 1,2,3-benzotriazole market share based on product category, production volume based on regions and 1,2,3-benzotriazole gross margin study are done. 1,2,3-benzotriazole consumption volume, region-wise import/export analysis and forecast market from 2018-2023 has been analyzed in this report.
In the fourth section 1,2,3-benzotriazole, report covers the SWOT analysis of the market to identify the growth opportunities, limitations to the 1,2,3-benzotriazole market growth. The comparative study of 1,2,3-benzotriazole based on the top players, their production capacity, consumer volume forecast from 2018-2023.
In the fifth section, 1,2,3-benzotriazole conducts the feasibility study, identifies the industry barriers, data sources and key research findings are offered.


Find listings of Inverness Windscreens. Featured listings include Autoglass, Silver Shield Windscreen, Auto Windscreens, and National Windscreens (Replacements) Inverness Ltd.. To suggest a listing in this category click here.
National Windscreens (Replacements) Inverness Ltd.


The word is out and the Mysterious Waterfalls trail is quickly becoming the most sought after guided hike we offer. We consider this to be Boquete's Best Hike for those looking for pure natural beauty. This hike starts off with relatively gentle inclines but more extreme inclines appear quickly making this a challenging Level 3 hike. There are two nice waterfalls along the trail and bring your swimming suits because for those of you with the will and stamina, a wonderful and mysterious surprise awaits at the end of this trail – an amazing waterfall and swimming hole!


text:
Message: "When Justice Prevails" from Paul Taylor
Paul Taylor - October 26, 2008
Sitting On The Couch With Your Brother
Scripture References: Galatians 6:1-18
From Series: "From Bumper Cars to Carnival Swings"
The Necessity of Community
Why Do I Get Dumped On For Doing the Right Thing?
Paul Taylor - May 2, 2010
Jeremiah 38:1-13
Will the Bad Guys Get What's Coming to Them?
Jeremiah 50:1-46, Jeremiah 51:1-64
Romance Introduction
Paul Taylor - May 26, 2010
Paul Taylor - June 9, 2010
Outreach As Romance
Paul Taylor - June 23, 2010
Jesus Through Stories Introduction
Paul Taylor - July 7, 2010
The Kingdom: Who's In? Who's Out? Who Decides?
Paul Taylor - July 14, 2010
Diversity: How Many Become One
Paul Taylor - September 5, 2010


text:
Location: Dubai Financial Services Authority (DFSA) > Consultation Papers > Past Papers > Consultation Paper No. 12 The Authorized Market Institution, Recognition and Offered Securities Modules of the DFSA Rulebook > Annex E Supervision (SUP)
Annex D General (GEN) Annex F Glossary (GLO)
In this Annex, underlining indicates new text and striking through indicates deleted text.
SUP 2 Information Gathering
SUP 2.1 Application
SUP 2.1.1
This chapter applies to an Authorised Firm Authorised Person with respect to the carrying on of all of its activities and takes into account any activities of other Members of the Group of which the Authorised Firm Authorised Person is a Member.
SUP 2.2 Information and documents
SUP 2.2 Guidance
1. In order to supervise the conduct and activities of Authorised Firm Authorised Persons and Authorised Individuals the DFSA needs to have access to a broad range of information about an Authorised Firm Authorised Person's business.
2. The power for the DFSA to obtain information and require an Authorised Firm Authorised Person to produce information and documents is provided under Article 73.
3. The DFSA will provide Authorised Firm Authorised Persons with written notice of the documents and information that are required.
4. The Regulatory Law 2004 allows the DFSA to make a request for information and documents from an Authorised Firm Authorised Person wherever that Authorised Firm Authorised Person may be located. This allows the DFSA access to the head office of a Branch or Subsidiary and the provision of documents from its head office.
5. Article 73(4) allows the DFSA, on application to the Court, to exercise these rights outside the jurisdiction of the DIFC in relation to a Person other than an Authorised Firm Authorised Person and require such a Person to comply with the requirement or permit the exercise of the DFSA's rights.
An Authorised Firm Authorised Person must where reasonable:
(a) give or procure the giving of specified information, documents, files, tapes, computer data or other material in the Authorised Firm Authorised Person's possession or control to the DFSA;
(b) make its Employees, readily available for meetings with the DFSA;
(c) give the DFSA access to any information, documents, records, files, tapes, computer data or systems, which are within the Authorised Firm Authorised Person's possession or control and provide any facilities to the DFSA;
(d) permit the DFSA to copy documents or other material on the premises of the Authorised Firm Authorised Person at the its DFSA's reasonable expense and to remove copies and hold them elsewhere or;
(e) to provide any copies as requested by the DFSA; and
(f) answer truthfully, fully and promptly, all questions which are put to it by the DFSA.
An Authorised Firm Authorised Person must take reasonable steps to ensure that its Employees act in the manner set out in this chapter.
An Authorised Firm Authorised Person must take reasonable steps to ascertain if there is any secrecy or data protection legislation that would restrict access to any data by the Authorised Firm Authorised Person or the DFSA. Where such legislation exists, the Authorised Firm Authorised Person must keep copies of relevant documents or material in a jurisdiction which does allow access in accordance with legislation applicable in the DIFC.
SUP 2.3 Access to premises
1. Under Article 73, the DFSA may enter the premises of any Authorised Firm Authorised Person during normal business hours or at any other time as may be agreed, for the purpose of inspecting and copying information or documents stored in any form on such premises, as it considers necessary or desirable to meet the objectives of the DFSA.
2. The DFSA expects to be able to give reasonable notice to an Authorised Firm Authorised Person or Person when it seeks information, documents, meetings or access to premises. On rare occasions however, the DFSA may seek access to premises without notice. The prospect of unannounced visits is intended to encourage Authorised Firm Authorised Persons to comply with the legislation applicable in the DIFC.
3. Pursuant to Articles 67 and 72 (2), Authorised Firm Authorised Persons are required to give full co-operation and respond to any regulatory request.
SUP 2.4 Third party providers and supliers
An Authorised Firm Authorised Person must ensure that the terms of its contract with each third party provider or supplier under a material outsourcing arrangement requires the third party to:
(a) provide for the provision of information under this chapter in relation to the Authorised Firm Authorised Person and access to their business premises; and
(b) deal in an open and co-operative way with the DFSA.
SUP 2.4.1 Guidance
1. The DFSA will normally seek information from an Authorised Firm Authorised Person in the first instance, but reserves the right to seek it from supplier under a material outsourcing arrangement if appropriate.
2. A material outsourcing arrangement would be a service of such importance that weakness, or failure of the service would cast serious doubt on the Authorised Firm Authorised Person's continuing ability to remain fit and proper or comply with applicable laws including Rules.
3. GEN rule 5.3.22 requires an Authorised Firm Authorised Person to inform the DFSA about any material outsourcing arrangements.
4. The Regulatory Law 2004 requires co-operation and disclosure by an Authorised Firm Authorised Person's auditor and may involve the DFSA meeting or requesting documents or information from the Authorised Firm Authorised Person's auditors.
SUP 2.5 Lead regulation
(1) If requested by the DFSA, an Authorised Firm Authorised Person must provide the DFSA with information that the Authorised Firm Authorised Person or its auditor has provided to a Financial Services Regulator.
(2) If requested by the DFSA, an Authorised Firm Authorised Person must take reasonable steps to provide the DFSA with information that other Members of the Authorised Firm Authorised Person's Group has provided to a Financial Services Regulator.
1. Under Article 39 the DFSA may exercise its powers for the purpose of assisting other Regulators or agencies.
2. The DFSA may also delegate functions and powers to representatives of other Regulators or agencies as prescribed in Article 40.
SUP 3. Waivers
This chapter applies to every Authorised Firm Authorised Person.
a. shall not apply in relation to a particular person; or
b.shall apply to a particular Person with such modifications as a reset out in the written notice.
2. This chapter sets out Rules in connection with the provision of a written notice under Article 25 including Rules prescribing procedures for the making of applications and providing of consents.
3. It is unlikely that the DFSA will waive the following Rules:
a. Rules in GEN chapters 2 and 3; or
b. Rules in COB part 1.
Throughout the Rulebook reference to the written notice under Article 25 will be referred to as a 'waiver'.
SUP 3.2 Procedures for application for waivers
A wWaiver application forms are is contained in PFN.
Application by an Authorized Firm
If an Authorised Firm wishes to apply for a waiver, it must apply in writing and the application must be delivered to the DFSA as outlined insection 7.10. 11
The application must contain:
(a) the name and Licence number of the Authorised Firm Authorised Person;
(c) a clear explanation of the waiver that is being applied for and the reason why the Authorised Firm Authorised Person is requesting the waiver;
(d) details of any other requirements; for example, if there is aspecific period for which the wavier is required;
(e) if the Authorised Firm Authorised Person has any reason why the waiver should not be published or why it should be published without disclosing the identity of the Authorised Firm Authorised Person; and
(f) all relevant facts to support the application.
An Authorised Firm Authorised Person must immediately notify the DFSA if it becomes aware of any material change in circumstances which may affect the application for a waiver.
Determination of waivers
1. The DFSA will acknowledge an application for a waiver and may request further information. The time taken to determine the application for a waiver will depend upon the issues it raises.
2. The determination of a waiver is at the discretion of the DFSA and it will generally only apply a waiver where there is shown to be an appropriate and justifiable reason.
3. The DFSA may impose conditions on a waiver, for example additional reporting requirements
4. A waiver may be given for a specified period of time only, after which time it will cease to apply.
5. If the DFSA decides not to give a waiver, it will give reasons for the decision.
6. An Authorised Firm Authorised Person may withdraw its application for a waiver at any time up until the giving of the waiver. In doingso, an Authorised Person should give reasons for the withdrawing of the application.
General waivers
7. Where the DFSA considers that a waiver should apply to a number of Authorised Firm Authorised Persons, for example, where a rule unmodified may not meet the particular circumstances of a particular Category of Authorised Firm Authorised Person the DFSA will inform the Authorised Firm Authorised Persons concerned that the waiver is available, either by contacting Authorised Firm Authorised Persons individually or by publishing details of the availability of the waiver on the DFSA's website. An Authorised Firm Authorised Person will not have to make a formal application but will have to give its written consent for the waiver to apply.
Consent during application for authorisation
8. An applicant for authorisation may request a waiver whilst its application for authorisation is being processed. Insome circumstances, the applicant may need to work with the DFSA in developing the waiver and may not be required to use the formal application process. However, the written consent to the waiver by the Authorised Firm Authorised Person will then be required once the applicant is authorised.
Application of waived rules
9. If a waiver directs that a rule is to apply to an Authorised Firm Authorised Person with modifications, then contravention of the modified rule could lead to the DFSA taking enforcement action.
10. If a waiver is given subject to a condition, the waiver will not apply to activities conducted in breach of the condition, and those activities, if in breach of the original rule, could lead to enforcement action.
SUP 3.3 Publication of waivers
1. Under the Regulatory Law 2004, unless the DFSA dissatisfied that it is inappropriate or unnecessary to doso, it must publish a waiver in such a way as it considers appropriate for bringing the notice to the attention of:
a. those likely to be affected by it; and
b. others who may be likely to become subject to similar notice.
2. The principal method of publication of waivers is by publication on the DFSA website.
3. If an Authorised Firm Authorised Person believes there are reasonable grounds for the DFSA either to withhold publication or to publish the waiver without disclosing the identity of the Authorised Firm Authorised Person it should make this clear in its application.
SUP 3.4 Continuing relevance of waivers
An Authorised Firm Authorised Person must immediately notify the DFSA if it becomes aware of any material change in circumstances which could affect the continuing relevance of a waiver.
SUP 3.5 Withdrawal or variation of waivers
Under Article 25, the DFSA may:
a. on its own initiative or on the application of the Person to whom it applies, withdraw a written notice; or
b. on the application of, or with the consent of, the Person to whom it applies, vary a written notice.
SUP 4 Requirement to provide a Report
1. In summary, under Article 74, the DFSA may require an Authorised Firm Authorised Person to provide it with a report on any matter.
2. The Person appointed to make a report, must be a Person nominated or approved by the DFSA. This Person will be referred to throughout the Rulebook as an independent expert.
3. Where such a requirement has been made of an Authorised Firm Authorised Person it must take all reasonable steps to ensure that any Person who is providing or has provided services to the Authorised Firm Authorised Person shall give all such assistance as the independent expert may reasonably require.
4. As outlined in Article 74, information given or a document produced is admissible in evidence in administrative and civil proceedings, provided that any such information or document also complies with any requirements relating to the admissibility of evidence in such proceedings.
5. An Authorised Firm Authorised Person may appeal to the Regulatory Appeals Committee in respect of the requirement to provide a report.
SUP 4.2 Appointment and reporting process
(1) The DFSA may, by sending a notice in writing, require an Authorised Firm Authorised Person to provide a report by an independent expert. The DFSA may require the report to be in whatever form it specifies in the notice.
(2) The DFSA will give written notification to the Authorised Firm Authorised Person of the purpose of its report, its scope, the timetable for completion and any other relevant matters.
(3) The independent expert must be appointed by the Authorised Firm Authorised Person and be nominated or approved by the DFSA.
(4) The Authorised Firm Authorised Person must pay for the services of the independent expert.
1. If the DFSA decides to nominate the independent expert, it will notify the Authorised Firm Authorised Person accordingly. Alternatively, if the DFSA is content to approve the independent expert selected by the Authorised Firm Authorised Person it will notify it of that fact.
2. The DFSA will only approve an independent expert that in the DFSA's opinion has the necessary skills to make a report on the matter concerned.
SUP 4.3 Requirements
When an Authorised Firm Authorised Person appoints an independent expert, the Authorised Firm Authorised Person must ensure that:
(a) the independent expert co-operates with the DFSA; and
(b) the Authorised Firm Authorised Person provides all assistance that the independent expert may reasonably require.
When an Authorised Firm Authorised Person appoints an independent expert, the Authorised Firm Authorised Person must, in the contract with the independent expert:
(a) require and permit the independent expert to co-operate with the DFSA in relation to the Authorised Firm Authorised Person and to communicate to the DFSA information on, or his opinion on, matters of which he has, or had, become aware of in his capacity as an independent expert reporting on the Authorised Firm Authorised Person in the following circumstances:
(i) the independent expert reasonably believes that, as regards the Authorised Firm Authorised Person concerned:
(A) there is or has been, or may be or may have been, a contravention of any relevant requirement that applies to the Authorised Firm Authorised Person concerned; and
(B) that the contravention may be of material significance to the DFSA in determining whether to exercise, in relation to the Authorised Firm Authorised Person concerned, any powers conferred on the DFSA under any provision of the Regulatory Law 2004;
(ii) the independent expert reasonably believes that the information on, or his opinion on, those matters may be of material significance to the DFSA in determining whether the Authorised Firm Authorised Person concerned satisfies and will continue to satisfy the fit and proper requirements; or
(iii) the independent expert reasonably believes that the Authorised Firm Authorised Person is not, may not be, or may cease to be, a going concern;
(b) require the independent expert to prepare a report, as notified to the Authorised Firm Authorised Person by the DFSA, within the time specified by the DFSA; and
(c) waive any duty of confidentiality owed by the independent expert to the Authorised Firm Authorised Person which might limit the provision of information or opinion by that independent expert to the DFSA in accordance with (a) or (b).
An Authorised Firm Authorised Person must ensure that the contract required under rule 4.3.2:
(a) is governed by the laws of the DIFC;
(b) expressly provides that the DFSA has a right to enforce the provisions included in the contract under rule 4.3.2;
(c) expressly provides that, in proceedings brought by the DFSA for the enforcement of those provisions, the independent expert is not to have available by way of defence,set-off or counter claim any matter that is not relevant to those provisions;
(d) if the contract includes an arbitration agreement, expressly provides that the DFSA is not, in exercising the right in (b) to be treated as a party to, or bound by, the arbitration agreement; and
(e) provides that the provisions included in the contract under rule 4.3.2 are irrevocable and may not be varied or rescinded without the DFSA's consent.
SUP 5 Imposing Restrictions
1. Article 75 provides the DFSA with the power to impose restrictions on an Authorised Firm Authorised Person's business. This includes prohibiting an Authorised Firm Authorised Person from entering into specific or certain types of transactions, from soliciting business from specific or certain types of Person or from carrying on business in aspecific manner. The DFSA may also require an Authorised Firm Authorised Person to carry on business in, and only in, specified manner.
2. Article 76 provides the DFSA with the power to prohibit or require an Authorised Firm Authorised Person to deal with any relevant Property in a certain manner.
3. The DFSA may exercise its powers to impose a prohibition or requirement in the circumstances prescribed in the Rules.
4. The DFSA is conscious that the decision to exercise these powers will have significant impact on the Authorised Firm Authorised Person and accordingly will only doso in exceptional circumstances.
SUP 5.2 Restrictions on an Authorised Firm Authorised Person's business or on an Authorised Firm Authorised Person dealing with property
The DFSA has the power to impose a prohibition or requirement on an Authorised Firm Authorised Person in relation to the Authorised Firm Authorised Person's business or in relation to the Authorised Firm Authorised Person dealing with Property under Article 75 or Article 76 in circumstances where:
(a) there is a reasonable likelihood that the Authorised Firm Authorised Person will contravene a requirement of any legislation applicable in the DIFC;
(b) the Authorised Firm Authorised Person has contravened a relevant requirement and there is a reasonable likelihood that the contravention will continue or be repeated;
(c) there is loss, risk of loss, or other adverse effect on the Authorised Firm Authorised Person's customers;
(d) an investigation is being carried out in relation to an act or omission by the Authorised Firm Authorised Person that constitutes or may constitute a contravention of any applicable law or Rule;
(e) enforcement action has commenced against the Authorised Firm Authorised Person for a contravention of any applicable law or Rule;
(f) civil proceedings have commenced against the Authorised Firm Authorised Person;
(g) the Authorised Firm Authorised Person or any Employee of the Authorised Firm Authorised Person may be or has been engaged in market abuse;
(h) the Authorised Firm Authorised Person issubject to a merger;
(i) a meeting has been called to consider a resolution for the winding up of the Authorised Firm Authorised Person;
(j) an application has been made for the commencement of any insolvency proceedings or the appointment of any receiver, administrator or provisional liquidator under the law of any country for the Authorised Firm Authorised Person;
(k) there is a notification to dissolve the Authorised Firm Authorised Person or strike it from the DIFC Registrar of Companies or the comparable register in another jurisdiction;
(l) there is information to suggest that the Authorised Firm Authorised Person is involved in financial crime; or
(m) the DFSA considers that this prohibition or requirement is necessary to ensure customers, users, Authorised Firm Authorised Persons or the financial system are not adversely affected.
SUP 5.3 Procedure to restrict an Authorised Firm Authorised Person's business or property
1. Where possible an Authorised Firm Authorised Person will receive an opportunity to make representations prior to the DFSA imposing a restriction on its business or Property unless the DFSA concludes that any delay likely to arise as a result of such requirement is prejudicial to the interests of the DIFC. When making a representation the process in END App3should be followed.
2. An Authorised Firm Authorised Person may appeal to the Regulatory Appeals Committee in respect of a restriction imposed on its business or Property.
3. When the DFSA imposes a restriction it will doso in writing setting out:
a. the restriction on the business or property;
b. the date and time when the restriction takes effect;
c. where applicable, the duration of the restriction;
d. the reasons for the restriction; and
e. the fact that the Authorised Firm Authorised Person may appeal to the Regulatory Appeals Committee.
SUP 6 [Not currently used]
SUP 7 Notifications
This chapter applies to every Authorised Firm Authorised Person with respect to the carrying on of Financial Services and any other activities whether financial or not.
1. This chapter sets out Rules unspecific events, changes or circumstances that require notification to the DFSA and outlines the process and requirements for notifications.
2. The list of notifications outlined in this chapter is not exhaustive. Other areas of the Rulebook may also detail additional notification requirements.
3. An Authorised Firm Authorised Person and its auditor are also required under Article 67 to disclose to the DFSA any matter which may indicate a breach or likely breach, a failure or likely failure to comply with laws or Rules. An Authorised Firm Authorised Person is also required to establish and implement systems and procedures to enable its compliance and compliance by its auditor with notification requirements.
SUP 7.2 Core information
An Authorised Firm Authorised Person must provide the DFSA with reasonable advance notice of a change in:
(a) the Authorised Firm Authorised Person's name;
(b) any business or trading name under which the Authorised Firm Authorised Person carries on a Financial Service in or from the DIFC;
(c) the address of the Authorised Firm Authorised Person's principal place of business in the DIFC;
(d) in the case of a Branch, its registered office or head office address;
(e) its legal structure; or
(f) an Authorised Individual's name or any material matters relating to his fitness and propriety.
A Domestic Firm must provide the DFSA with reasonable advance notice of the establishment or closure of a Branch office anywhere in the world from which it carries on Financial Services.
Authorised Firms should refer to AUT in respect of notification requirements in relation to fitness and propriety and change in control matters.
SUP 7.3 Regulatory impact
An Authorised Firm Authorised Person must advise the DFSA immediately it becomes aware, or has reasonable grounds to believe, that any of the following matters may have occurred or may be about to occur:
(a) the Authorised Firm Authorised Person's failure to satisfy the fit and proper requirements;
(b) any matter which could have significant adverse effect on the Authorised Firm Authorised Person's reputation;
(c) ]any matter in relation to the Authorised Firm Authorised Person which could result inserious adverse financial consequences to the financial system or to other firms;
(d) a significant breach of a rule by the Authorised Firm Authorised Person or any of its Employees;
(e) a breach of any requirement imposed by any applicable law by the Authorised Firm Authorised Person or any of its Employees;
(f) any proposed restructuring, merger, acquisition, reorganisation or business expansion which could have a significant impact on the Authorised Firm Authorised Person's risk profile or resources;
(g) any significant failure in the Authorised Firm Authorised Person's systems or controls, including a failure reported to the Authorised Firm Authorised Person by the firm's auditor;
(h) any action that would result in a material change in the capital adequacy or solvency of the Authorised Firm Authorised Person; or
(i) non-compliance with Rules due to an emergency outside the Authorised Firm Authorised Person's control and the steps being taken by the Authorised Firm Authorised Person.
The DFSA would also require notification of the implementation, or planned implementation of major new or revised IT systems or new technology affecting the Authorised Firm Authorised Person's business, risk profile or resources.
SUP 7.4 Fraud and errors
An Authorised Firm Authorised Person must notify the DFSA immediately if one of the following events arises in relation to its activities in or from the DIFC:
(a) it becomes aware that an Employee may have committed a fraud against one of its customers or users;
(b) a serious fraud has been committed against it;
(c) it has reason to believe that a Person is acting with intent to commit a serious fraud against it;
(d) it identifies significant irregularities in its accounting or other records, whether or not there is evidence of fraud; or
(e) it suspects that one of its Employees who is Connected with the Authorised Firm Authorised Person's Financial Services may be guilty of serious misconduct concerning his honesty or integrity.
SUP 7.5 Other regulators
An Authorised Firm Authorised Person must advise the DFSA immediately of:
(a) the granting or refusal of any application for or revocation of authorisation to carry on Financial Services in any jurisdiction outside the DIFC;
(b) the granting, withdrawal or refusal of an application for, or revocation of, membership of the Authorised Firm Authorised Person of any regulated Exchange or clearing house;
(c) the Authorised Firm Authorised Person becomes aware that a Financial Services Regulator has started an investigation into the affairs of the Authorised Firm Authorised Person;
(d) the appointment of inspectors, howsoever named, by a Financial Services Regulator to investigate the affairs of the Authorised Firm Authorised Person; or
(e) the imposition of disciplinary measures or disciplinary sanctions on the Authorised Firm Authorised Person in relation to its Financial Services by any Financial Services Regulator or any regulated Exchange or Clearing House.
SUP 7.6 Action against an Authorised Firm Authorised Person
An Authorised Firm Authorised Person must notify the DFSA immediately if:
(a) civil proceedings are brought against the Authorised Firm Authorised Person and the amount of the claim insignificant in relation to the Authorised Firm Authorised Person's financial resources or its reputation; or
(b) the Authorised Firm Authorised Person is prosecuted for, or convicted of, any offence involving fraud or dishonesty, or any penalties are imposed on it for tax evasion.
SUP 7.7 Winding up, bankruptcy and insolvency
An Authorised Firm Authorised Person must notify the DFSA immediately on:
(a) the calling of a meeting to consider a resolution for winding up the Authorised Firm Authorised Person;
(b) an application to dissolve the Authorised Firm Authorised Person or to strike it from the register, maintained by the DIFC Registrar of Companies, or a comparable register in another jurisdiction;
(c) the presentation of a petition for the winding up of the Authorised Firm Authorised Person;
(d) the making of, or any proposals for the making of, a composition or arrangement with creditors of the Authorised Firm Authorised Person; or
(e) the application of any person against the Authorised Person for the commencement of any insolvency proceedings, appointment of any receiver, administrator or provisional liquidator under the law of any country.
SUP 7.8 Change in an Authorised Firm's financial year end.
1. GEN rule 8.3.5 requires a Domestic Firm to obtain DFSA consent prior to implementing a change to its financial year end.
2. GEN rule 8.3.6 requires an Authorised Firm which is not a Domestic Firm to provide the DFSA with reasonable advance notice when it intends to change its financial year.
SUP 7.9 Accuracy of information
Article 66 states that a Person shall not:
An Authorised Firm Authorised Person must take reasonable steps to ensure that all information that it provides to the DFSA in accordance with any legislation applicable in the DIFC is:
(1) An Authorised Firm Authorised Person must notify the DFSA immediately it becomes aware, or has information that reasonably suggests, that it:
(2) subject to (3) the notification in (1) must include details of the information which is or may be false or misleading, incomplete or inaccurate, or has or may have changed and an explanation why such information was or may have been provided and the correct information.
SUP 7.10 Provision of notifications
SUP 7.10.1
(1) Unless a rule states otherwise, an Authorised Firm Authorised Person must ensure that each notification it provides to the DFSA is:
(a) in writing and contains the Authorised Firm Authorised Person's name and license number; and
(b) addressed for the attention of the supervision Division and delivered to the DFSA by:
(ii) hand delivered to the current address of the DFSA;
(iv) faxed to a fax number provided by the DFSA.
(2) In (1)(b)(ii),(iii) and (iv) confirmation of receipt must be obtained.
SUP 8 Reporting
1. The purpose of this chapter is to outline the process and requirements that must be followed when making a report to the DFSA.
2. Other sections of the Rulebook outline the specific reports that must be provided and states the due date, frequency, timeframe for delivery and the contents that are required in the report.
3. In order to discharge its obligations and meet its objectives under the Regulatory Law 2004, the DFSA requires timely and accurate information about an Authorised Firm Authorised Person.
SUP 8.2 Provision of regulatory reports
(1) Unless a rule states otherwise, an Authorised Firm Authorised Person must ensure that each report it provides to the DFSA is:
(a) in writing and contains the Authorised Firm name and Licence number; and
(3) If the report is submitted in paper form, it must be submitted with the coversheet contained in PFN.
Annex F


Place the meat in a pot with water at medium to high heat.
Once completely cooked add Goya Sazon, Goya Recaito, the can of tomato sauce and Adobo.
Stir the mixture until all elements are evenly blended.
Cut into the skin of the plantain, but not all the way down, so that there is an insert for fingers to peel away the skin.
Cut the plantains longwise to create strips to layer for the dish.
Fry them in vegetable oil in a frying pan at medium to high heat until soft and golden brown (these are good to snack on).
Layer the bottom of a glass dish with the cooked plantain strips.
Apply a layer of Ragu Traditional sauce on top of the plantains.
Add the cooked MorningStar Grillers Crumbles.
End the layer with cheese.
Repeat steps for construction until at the final layer.
The final layer will consist of just plantains, a bit of leftover Ragu Traditional sauce and remaining cheese.
Cook the dish in the oven at 350 degrees for about 10 minutes.
Slice like a lasagna, and enjoy!