text:
Q: How to get value as header field in pivot table? I've been looking for this answer for hours without finding anything at all on this subject.
I'm trying to get a pivot table from the "Sells" table that displays :
- as header fields, the name of each seller in my shop
- as rows, each month of the year
- as data the sum of their sells for each month
The only issue I have is that the headers are populated with ID instead of the name of the sellers.
For example, instead of showing this :
Month    | Steve | Joe
January  | 5000$ | 600$
February | 400$  | 400$

It keeps showing the ID related to each seller:
Month    |   1   |   2
January  | 5000$ | 600$
February | 400$  | 400$

Here is my query :
TRANSFORM Sum(Sells.Ca) AS [Monthly sells]
SELECT DISTINCTROW Format$(Sells.DateSold,'mm - mmmm') AS Month
FROM Sells
GROUP BY Sells.DateSold
PIVOT Sells.Seller

Thank you very much for your help and your time.
EDIT:
As @WolfgangKais mentionned in the comments, I forgot to mention that the Seller field is a lookup field, that's why it only shows the first value of the lookup field, hence the ID and not the name.

A: As stated by @June7 and @Wolfgang Kais, I had to include the Sellers Table in the query in order to get each seller's name instead of their ID, thank you very much for the lead.
This was done by :

*

*Constructing a temporary table containing rows populated by sellers name, amount sold and date of sell:
SELECT Sellers.Name AS Seller, Sells.Ca AS Amount, Sells.DateSold AS Month
FROM Sells
INNER JOIN Sellers ON Sells.Seller = Sellers.ID

*Including this temporary table into my first pivot query (In the FROM part):
TRANSFORM SUM(TempTable.Amount) AS [Monthly Sells]
SELECT Format$(TempTable.Month, 'mm - mmmm') AS Month
FROM(
     SELECT Sellers.Name AS Seller, Sells.Ca AS Amount, Sells.DateSold AS Month
     FROM Sells
     INNER JOIN Sellers ON Sells.Seller = Sellers.ID
) AS TempTable
GROUP BY Temptable.Month
PIVOT Temptable.Seller


text:
Home > School of Law > LAWLIB > St. Mary's Law Journals > The Scholar > Vol. 5 (2022) > No. 2
South Africa's Land Reform Programme.
Andre J. Groenewald
South Africa is committed to land reform.  Because land is what shapes our national identity, the land dispossession of black people by the hand of white colonizers shapes the importance of land reform in South Africa. After the Natives' Land Act of 1913, rights to own, rent, or even sharecrop land in South Africa depended upon a person's racial classification. This was furthered by the Native Trust and Land Act of 1936. In 1994, however, the new government passed a Land Restitution Act. The land reform policy, Reconstruction and Development Programme, aimed to redress the injustices of apartheid, foster national reconciliation and stability, and improve household welfare and alleviate poverty. The Reconstruction and Development Programme framework has three major elements: redistribution, restitution, and land tenure reform. The goal of redistribution is to provide the disadvantaged with access to land for residential and productive purposes.  The intention is to improve people's access to municipal and tribal land used primarily for grazing purposes. Land restitution usually involves returning land lost because of racially discriminatory laws. Lastly, land tenure reform aims to bring all people occupying land under one legal system of landholding. The Interim Protection of Informal Land Rights Act, the Land Reform Act, and the Extension of Security of Tenure Act have been introduced to protect the interests of farm workers and labour tenants living on other people's land. The ultimate goal is to rehaul and reconcile the past land acts which wrongly based land rights on a person's racial classification.
Andre J. Groenewald, South Africa's Land Reform Programme., 5 The Scholar (2003).
Available at: https://commons.stmarytx.edu/thescholar/vol5/iss2/4
Volume Number
St. Mary's University School of Law
The Scholar Images
Immigration Symposium
All Issues Vol. 25, No. 1 Vol. 24, No. 2 Vol. 24, No. 1 Vol. 23, No. 3 Vol. 23, No. 2 Vol. 23, No. 1 Vol. 22, No. 3 Vol. 22, No. 2 Vol. 22, No. 1 Vol. 21, No. 3 Vol. 21, No. 2 Vol. 21, No. 1 Vol. 20, No. 3 Vol. 20, No. 2 Vol. 20, No. 1 Vol. 19, No. 3 Vol. 19, No. 2 Vol. 19, No. 1 Vol. 18, No. 2 Vol. 18, No. 1 Vol. 17, No. 3 Vol. 17, No. 2 Vol. 17, No. 1 Vol. 16, No. 4 Vol. 16, No. 3 Vol. 16, No. 2 Vol. 16, No. 1 Vol. 15, No. 4 Vol. 15, No. 3 Vol. 15, No. 2 Vol. 15, No. 1 Vol. 14, No. 4 Vol. 14, No. 3 Vol. 14, No. 2 Vol. 14, No. 1 Vol. 13, No. 4 Vol. 13, No. 3 Vol. 13, No. 2 Vol. 13, No. 1 Vol. 12, No. 4 Vol. 12, No. 3 Vol. 12, No. 2 Vol. 12, No. 1 Vol. 11, No. 4 Vol. 11, No. 3 Vol. 11, No. 2 Vol. 11, No. 1 Vol. 10, No. 4 Vol. 10, No. 3 Vol. 10, No. 2 Vol. 10, No. 1 Vol. 9, No. 3 Vol. 9, No. 2 Vol. 9, No. 1 Vol. 8, No. 2 Vol. 8, No. 1 Vol. 7, No. 2 Vol. 7, No. 1 Vol. 6, No. 2 Vol. 6, No. 1 Vol. 5, No. 2 Vol. 5, No. 1 Vol. 4, No. 2 Vol. 4, No. 1 Vol. 3, No. 2 Vol. 2, No. 2 Vol. 2, No. 1 Vol. 1, No. 1

redpajama_set_name: RedPajamaCommonCrawl


He/she should be able to recruit, train as well as motivate an accounts receivable team wherein he/she can provide the needed leadership as well as the coaching of the associates so that he/she can accomplish the main goals and objectives of the institution.
He/she should guarantee that the decisions made are good especially when it comes to the releases and hold of customer's orders due to financial conditions of the said account.
Guarantees the collections associates are employing right judgment that is inside their authority when it comes to releasing and holding of orders.
Capable of establishing s well as reviewing credit limits for all accounts.
Capable of resolving complex issues about collections.
Good working relationship with collection agency.
Participating with the sales in all aspects ensuring the credit terms are suitable in meeting the management's objectives and the credit and collections policy.
Administer and alleviate credit risk.
Recognize and correct the barriers coming from the operations through developing innovative solutions to problems.
Responsible for managing the accounts under the bankruptcy jurisdiction and other legal proceedings under collection/credit.
Supervise cash receipts and application to assess and modify the efficiency of current procedures for cash applications.
Work together with internal and external customers for the improvements in cash application, as well as collections and credits processing.
Set up workloads and handle budgets and resources.
Do You Work as a Accounts Receivable Supervisor ?
Tell us about your experience as a Accounts Receivable Supervisor . How much you earned, who your employer was, how much education was required or anything that pertains to this career. Help others who are trying to enter into this field. All information is kept anonymous.


text:
"""
==================================
Demo of the command-line interface
==================================

Show how to use the command-line interface to simulation. Typically
the command would be called from the command line instead of Python.
"""

import os

print(__doc__)

# make sure we're in the correct path
os.chdir(os.path.abspath(os.path.dirname(__file__)))

cmd = """
simulate_movement.py --raw funloc/subj_01/raw_fif/subj_01_funloc_raw.fif \
                     --pos subj_01_funloc_hp_trunc.txt \
                     --dipoles demo_activations.txt \
                     --duration 1 -p
"""
os.system(cmd)

redpajama_set_name: RedPajamaGithub


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text:
person My account home Investment Trust Centre
Housing Development Finance Corp (HDFC)
Performance and company information
Kweichow Moutai
Aberdeen Standard ISA
Aberdeen Standard Share Plan
Aberdeen Investment plan for Children
Other online investing
MIFID II: costs & charges
We use cookies to help improve your online experience. By using this site, you agree that we may store and access cookies on your device. You can change your cookie settings at any time.
What does the company do?
HDFC, was founded in 1977 as the first specialised mortgage company in India. Since then, HDFC has grown into one of the biggest providers of mortgage loans in the country, financing more than 7.5 million homes. It also has a presence in banking, life and general insurance and asset management where it holds direct stakes in market leaders.
Why do we like the investment?
The company has an extensive local distribution network exceeding 500 offices with outreach programmes to several towns and cities all over India. HDFC is managed conservatively with high underlying credit quality. This is illustrated by a conservative loan profile, where the average loan term is 13 years and customers are around 39 years old when they finance their first home. These qualities also make HDFC superior to its peers as a result of the well-managed asset and liability mix.
We also like HDFC's solid management, under the charge of chairman Deepak Parekh and vice-chairman and CEO Keki Mistry. Its growth prospects are underpinned by positive market dynamics, supportive policy and favourable demographics. The housing mortgage market in India is structurally growing but underpenetrated, with mortgages comprising only 10% of gross domestic product. Government support, including incentives for developers to build affordable housing, is likely to improve affordability further. More broadly, the majority of India's population is below 35 years old, underscoring the large potential for home loans. Also, the number of households is rising with a shift towards nuclear families. Rising urbanisation would also boost housing demand. About 32% of the Indian population resides in cities, with that proportion expected to rise to 50% by 2030.
In which year did we first invest?
Where is their head office?
What is their website?
www.hdfc.com
The value of investments and the income from them can go down as well as up and you may get back less than the amount invested. Please refer to the relevant Key Information Document (KID) prior to making an investment decision. Please be aware of scams that can affect investors.
© Standard Life Aberdeen
Read the detailed risk warning
NMPI Status
The Company currently conducts its affairs so that securities issued by Asia Dragon Trust plc can be recommended by financial advisers to ordinary retail investors in accordance with the FCA's rules in relation to non-mainstream pooled investment products (NMPIs) and intends to continue to do so for the foreseeable future.
The Company's securities are excluded from the FCA's restrictions which apply to non-mainstream investment products because the company would qualify as an investment trust if the company were based in the UK.
Pre-investment Disclosure Document (PIDD)
The Alternative Investment Fund Manager Directive ("AIFMD") requires Aberdeen Standard Fund Managers Limited, as the alternative investment fund manager of Asia Dragon Trust plc, to make available to investors certain information prior to such investors' investment in the Company.
The AIFMD is intended to offer increased protection to investors in investment products that do not fall under the existing European Union regime for regulation of investment products known as "UCITS".
Read the PIDD for Asia Dragon Trust
Aberdeen Asset Managers Limited is authorised and regulated by the Financial Conduct Authority
in the United Kingdom. The information contained in this website does not constitute an offer of, or an invitation to apply for securities in any jurisdiction where such an offer or invitation is unlawful, or in which the person making such an offer is not qualified to do so. Aberdeen Asset Managers accepts no responsibility for the content of any external web sites.
ABERDEEN ASSET MANAGERS LIMITED: 10 Queens Terrace, Aberdeen, Aberdeenshire, AB10 1XL Company No. SC108419


text:
Improve Impact
World Hepatitis Day
How Ketchum helped the World Hepatitis Alliance maximize its global engagement.
July 28th is World Hepatitis Day. It's also a focal point of the World Hepatitis Alliance's effort to drive prevention and international awareness for patient groups and people living with viral hepatitis—in other words, a global messaging event. Ketchum stepped in and benchmarked social analytics for World Hepatitis Day in 2013. By gaining a comprehensive understanding of the success of 2013, we believed we could develop an approach that would maximize engagement in 2014.
Using an analytics tool called Pulsar, we discovered a host of insights that informed our strategic approach for the following year. We found out where conversation spiked and lagged, identified key bloggers, tracked relations among time zones, and searched for trending hashtags. Guided by our data-driven roadmap, we engaged audiences on every front: campaign posters, toolkits for patients, Thunderclap campaigns shared across social media and SMS messages sent to 10 million subscribers in India and Sub-Saharan Africa and much more. Altogether, the strategy played out brilliantly, encouraging us to repeat our approach going forward.
thousand unique visitors to the new hub site
million reached through social media by Thunderclap
views of the global video and counting
© 2022 Omnicom. All rights reserved.


ou need to include only one person who is involved in the business or perhaps large and even involve a number of people.For these individuals, they often like to share your experiences through others who definitely are in similar boat while them not to mention wish to produce a home business hitting the ground with other entrepreneurs.
Below are a few Few Ideas To guide you.
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Just the thing you need to remember is that your particular hybrid was organized to replace your mid to help you long golf iron, so you might want to swing it as being a mid to be able to long iron.Have the particular confidence cascade over down and on the ball like you would with your mid to help you long golf iron.
Now would like to hit your hybrid off of the tee you should first tee it up a small amount of higher as compared to an flat iron and receive a few perform swings in order to get use towards the different fat, feel and duration of the driver.You also need to setup a small number of inches left of center into your stance, however is not as far forward because you do together with driver.Since the shaft isn"t if your driver you wish to be convinced and step a little closer for the ball.This all is critical to especially whenever you"ve only hit operater on the last few holes.
ving comparing and contrasting advantages with rates.Some suppliers are so famous that they can afford to charge more for merchant akun services.Others have got recently added this method, so a few might reduce, prevent, or leave out certain fees to get your enterprise.However, you might have to pay out these fees following on from the first twelve months or yet another kind of trial phase.Read many of the terms carefully so you understand that this account will work, how significantly it bills, and just what the possibility glitches may be.Contact the lending company with virtually any questions or perhaps uncertainties before seeking an credit account.Then, whenever approved, you should really feel confident you have made an excellent investment.
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Is furthermore there something more painful than with out using logo model?
The impression of company logo design is definitely inculcated in your minds of this consumers.Imagine some lousy pattern of custom logo that flaunts your enterprise name.Individuals are wise buyers as they are having a decisive eye lids for art work.Poorly designed company logo is a power down and is usually a better with regard to nothing material.
What does any person Need to grasp about Custom logo Designs?
Assessing the species of business underneath the and any impact that you wants to produce to his or her consumers matters considerably.Once the bosses entrepreneur gets under way showing this company logo design over the internet or throughout anywhere, the logo process begins in addition.Somewhere later on, the quickly made logo ought to be changed.Subsequently, if this would be your last superior alternative, the efforts producing up an important name around would probable just go along the strain.Before things produce what a person least thought, get things immediately.Trust skilled hands that earn an income out in designing logo.
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What Quality a home based business Logo Pattern does Hold?
Watch for any business images of McDonalds, Nike, plus Apple! Simplicity tops many of the existing brand designs.What"s more, a emblem should possibly be unique, vivid, and customers preferences-centered.Know what multiple consumers everyone target as well as what impact you intend to create and make use of the professionally known hands who"ll direct your company towards roads of success.Commercialize the choices and the corporate name by using a professional brand.Success is probably within people grasp.Simply find the best artist for ones logo structure and points would just churn out what you always dreamt of.
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Eat and interesting way to create a unique not to mention individual visitor book is to apply one that may compliment this theme for the wedding.After wedding ceremony guest book may be the first impression of the wedding that a lot of of any guests may have.So that isn"t very surprising but assuming you have a story book theme wedding day with knights in shinning armor and a beautiful light horse and so forth.Then it is advisable to pick a wedding guest reserve that follows and with this magical great tale theme.
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Here"s some of the great idea that has been very common recently a photo guest booklet.This might be especially fun for those that are generally into scrapping.This is a very uncomplicated yet completely unique guest book which might create quite a few fun memories from the wedding within a visual manner.Simply please take a picture of the Happy couple with are just looking for camera.Print the particular photo as well as glue add it into the photo album or possibly a regular guest book.Utilised together then put some message inside guest book to their guests.Similar to "Thanks for arriving for our wedding party, it is often a big special day for all of us and really is endless you will like it likewise." After that leave this specific out along with a Polaroid or digicam and sufficient film to make certain that everyone get a few chances to adopt pictures.As guests are available they will take their visualize and place it into the guest book by having a little concept.
Prefer to add a strong special feel tot the person wedding client book? One uncomplicated and pleasure way to begin this is have the book tailor made with this monograms from the Couple.
These are just some of the thousands of crafting ideas you"ll get.It is necessary to spend an afternoon before hand if you end up not stressed by using a million different details.Look at the theme, colors as well as tone belonging to the wedding and try and incorporate as much of these and often.Again prepare ahead and also leave yourself time.
lls taking all the family to the top end - sluggish and uncomplicated.Lessons together with ski knowledge shall be something watching for your initially day over the slope, professionals who log in literally be skiing lower a huge batch after sixty minutes of teaching.
Endeavor to choose the ski resort having beginning tips with trainers from a ski golf iron or higher education; this include the best solution.Learning that will ski really is quite uncomplicated, but it contributes greatly to possess highly skilled teachers.At the same time, if there"s a simple local snowboarding club or possibly school, it may be better to learn from in that respect there first - to return repeatedly, except for just one week-end.Most resorts already have a ski school to the premises, and tuition are sensibly priced in team and individual lessons, however is not all.
Some ski resorts accommodate more complex skiers, so try to guarantee the ski resort is a one required.It makes sense, however, to schedule an exercise appointment so that you can arrive at the resort.This will be sure that you can start finding out ski the primary hour of the vacation.
Tell about a Hotel where people should stay.
Provide Location of the Hotel/ Resturant.
Tell about Cost of Rooms, Food Available and other features that are useful for the customer.
If you are the Owner of Hotel/ Resturant then Provide complete details of How to Book arrom Online.
People will be able to book rooms in your hotel in advance.
You need to be a Member to tell about your Hotel.


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Masters in Nutrition & Dietetics (Belgium), HCPC & BDA registered.
I have been a registered dietitian and nutritionist for over 10 years and have covered many aspects within dietetics. The main areas I have worked in are paediatrics, adults, mental health and acute inpatient settings. This has enabled me to cover a lot of different eating habits and conditions. From the start of my career, I have been working with eating disorders and have continued to do so until present. I currently work in a Pediatric NHS setting and combine this with dietetic input at Nightingale Hospital London.
As a dietitian, I will guide you to what your body is demanding of nutrients, together, we will aim for an individualised plan to reach your requirements. Anxiety regarding diet and weight can have a massive impact within families, social events and relationships. Together we will set achievable goals and work towards change of behaviours.


One year after your date of separation and once all of your personal and financial issues have been addressed, you are ready to file for your divorce decree. The Common Sense Divorce offers Do-It-Yourself and Full-Service processes to file your Uncontested Divorce.
In both files, our lawyers will prepare your Court Divorce Applications. The main difference between each process is whether you want to take the two days off work to go to the Superior Courthouse and file the documents with the court.
In the Do-It-Yourself process, we prepare the documents and provide you with full instructions on how to attend the Superior Court (requires 2 appearances), how to file your documents and how to legally serve your spouse the court documents. In the Do-It-Yourself Process, you will pay the court mandated fees ($447) yourself and you will have to hire and pay a process server to legally serve your spouse the Divorce Order.
In the Full-Service process, we take care of the process for you. We prepare the documents and we attend the Superior Court (twice). We file your documents on your behalf and we legally serve your spouse the court documents. In the Full-Service Process, all court mandated fees ($447) are included as well as process server costs.


text:
Akihito Kubo
MA03.11 - Chemotherapy After PD-1 Inhibitors Versus Chemotherapy Alone in Patients with Non–Small Cell Lung Cancer (WJOG10217L) (Now Available) (ID 409)
10:30 - 12:00 | Author(s): Akihito Kubo
Studies have suggested that chemotherapy after immune checkpoint inhibitors may confer an improved response in patients with non–small cell lung cancer (NSCLC). However, potential selection bias in such studies has not been addressed. We therefore applied propensity score analysis to investigate the efficacy of subsequent chemotherapy after PD-1 inhibitors (CAP) compared with chemotherapy alone.
We conducted a multicenter retrospective cohort study for patients with advanced or recurrent NSCLC who were treated at 47 institutions across Japan between 1 April 2014 and 31 July 2017 with chemotherapy (docetaxel with or without ramucirumab; S-1; or pemetrexed) either after PD-1 inhibitor therapy (CAP cohort) or alone (control cohort). The primary end point was objective response rate (ORR). Inverse probability weighting (IPW) was applied to adjust for potential confounding factors, including age, sex, smoking status, performance status, histology, EGFR or ALK genetic alterations, brain metastasis, and recurrence after curative radiotherapy.
A total of 1439 patients (243 and 1196 in the CAP and control cohorts, respectively) was available for unadjusted analysis. Several baseline characteristics—including age, histology, EGFR or ALK alterations, and brain metastasis—differed significantly between the two cohorts. After adjustment for patient characteristics with the IPW method, ORR was 18.9% for the CAP cohort and 10.8% for the control cohort (ORR ratio, 1.75; 95% confidence interval [CI], 1.25–2.45; P = .001). Median PFS was 3.5 and 2.6 months for the CAP and control cohorts, respectively (hazard ratio [HR], 0.862; 95% CI, 0.743–0.998; P = .048). The PFS rate at 3, 6, and 12 months was 53.3%, 28.5%, and 4.6%, respectively, for the CAP cohort, and 44.3%, 19.7%, and 6.1% for the control cohort. Median OS was 9.8 months for the CAP cohort and 10.3 months for the control cohort (HR, 0.979; 95% CI, 0.813–1.179; P = .822).
After adjustment for selection bias using propensity score–weighted analysis, CAP showed a significantly higher ORR and longer PFS compared with chemotherapy alone, with the primary end point of ORR being achieved. However, these results did not translate into an OS advantage, and no PFS benefit was apparent at 12 months despite the improvement observed at 3 and 6 months. Our findings suggest that prior administration of PD-1 inhibitors may result in a synergistic antitumor effect with subsequent chemotherapy, but that such an effect is transient. CAP therefore does not appear to achieve durable tumor control or confer a lasting survival benefit.
P2.14 - Targeted Therapy (ID 183)
Type: Poster Viewing in the Exhibit Hall
Track: Targeted Therapy
Coordinates: 9/09/2019, 10:15 - 18:15, Exhibit Hall
P2.14-11 - Retreatment with EGFR-TKI for 541 NSCLC Patients with EGFR Mutation (ID 2633)
Epidermal growth factor receptor (EGFR)-tyrosine kinase inhibitor (TKI) is remarkably effective against non-small cell lung cancer (NSCLC) harboring EGFR activating mutation. However, tumors almost inevitably develop resistance approximately after one year of EGFR-TKI treatment. In addition, some patients can not tolerate an EGFR-TKI treatment because of adverse events and result in discontinuation of the treatment. In such cases, the same or other EGFR-TKI may be re-administered. However, its efficacy is not fully evaluated.
We retrospectively investigated patients who received EGFR-TKI between January 2008 and August 2017. Among these patients, the response rate and time to treatment failure (TTF) for each re-administered TKI were assessed. We assessed each TTF for patients who discontinued the prior EGFR-TKI because of progressive disease (PD group) and patients who discontinued TKI because of adverse events (AE group). We also evaluated the overall survival (OS) for the patients who received the retreatment with EGFR-TKI and who did not.
A total of 1400 patients from 11 institutions were enrolled in this study. Among them, 570 patients received retreatment with EGFR-TKI, and 541 were eligible. Among the 395 patients who discontinued prior EGFR-TKI because of disease progression, the response rate and the median TTF of subsequent Gefitinib/Erlotinib/Afatinib were 8%/8%/18%, and 4.9/3.2/4.3 months, respectively. The median TTF for the AE group was significantly longer than that for the PD group (10.8 months vs 3.8 months, p<0.0001). In the AE group, The OS for patients receiving retreatment with EGFR-TKI was significantly better than the OS for patients without retreatment (Hazard Ratio = 0.256, p < 0.0001). Similarly, in the PD group, the OS for patients receiving retreatment with EGFR-TKI was significantly better than the OS for patients without retreatment (Hazard Ratio = 0.456, p < 0.0001).
Retreatment with EGFR-TKI was shown to be effective for both patients who discontinued prior EGFR-TKI because of disease progression as well as adverse events.


text:
2018-2019 x Regular Season Playoffs
Seasons Regular Season Regular Season Playoffs Regular Season Playoffs Regular Season Playoffs Regular Season Playoffs Regular Season Playoffs
CSHL
West Potomac
WT Woodson
GM/Edison/Hayfield
TC Williams
Bishop Ireton
About Washington-Lee
The Washington-Lee Generals hockey club currently features a varsity team competing in the Capital Scholastic Hockey League (CSHL). The club calls MedStar Capitals Iceplex its home ice arena and fellow Arlington, VA high school, Yorktown, is W-L's top rival, however in recent years, a budding rivalry with fellow CSHL club West Potomac has been on the rise.
Head Coach: Matt Seney
Athletic Director: Carol Callaway
Home Arena: MedStar Capitals Iceplex
Washington-Lee Headlines
Final Wash Post Rankings: W-L #5, T.C. #8
By CSHL 03/07/2019, 12:00pm EST
W-L Defeats T.C. For First Championship!
By CSHL 03/02/2019, 12:00am EST
WCAA Scholarship Winner Announced
By CSHL 02/24/2019, 1:00pm EST
W-L #4 in Wash Post top-10; TC and Bishop Ireton "on the bubble"
By CSHL 12/07/2018, 9:45am EST
CSHL Represented Well in Washington Post's First Top-10 Rankings of 2018-19!
www.WLGeneralsHockey.com
Visit the W-L Hockey website for more information about the club!
Recent Washington-Lee News
The Washington Post released their final ice hockey rankings of the season. The rankings take into account over one hundred high school programs through D.C., Maryland, and Virginia; and include both private and public schools.
Fresh off their CSHL Championship, Washington-Lee finished #5 in the rankings and the highest ranked team in Virginia. T.C. Williams finished #8.
Full Rankings (League):
1. Gonzaga (MAPHL)
2. DeMatha (MAPHL)
3. Georgetown Prep (MAPHL)
4. Churchill (MSHL)
5. Washington-Lee (CSHL)
6. Langley (NVSHL)
7. Chantilly (NVSHL)
8. T.C. Williams (CSHL)
9. St. John's (MAPHL)
10. Wootton (MSHL)
The CSHL Virginia State Championship lived up to the hype as Washington-Lee and T.C. Williams played a great hockey game between two of the best high school programs in Virginia.
Defending champion T.C. Williams was the Washington Post's #7 ranked high school team in the DMV area. The Titans boasted the best regular season record (8-2) in the CSHL before knocking off Lake Braddock/Park View and West Potomac in the playoffs to work their way back to the title game. The Titans were on a 9-game win streak dating back to November and were led the 2018-19 CSHL Player-of-the-Year Jason Townsend.
Washington-Lee entered the contest ranked right behind T.C. at #8 by the Washington Post. The Generals finished the CSHL regular season with the second-best record of 7-2-1, which included a win over the Titans back in November. W-L earned their way into the championship game with victories over Woodbridge and Bishop Ireton in the playoffs. The Generals lineup featured a core of experienced seniors and juniors complemented by a talented but young stable of underclassmen, including ten freshmen.
W-L struck quickly when Kyle Wilson chipped a puck into the neutral zone and Austin Pick outraced the Titans defender to it. Pick flew in on a breakaway and rifled a shot into the upper corner of the net, giving the Generals a 1-0 lead just 44 seconds into the game.
A couple minutes later, Victor Hugo retrieve a puck in the neutral zone and made a quick transition pass up to Pick, who barreled past the T.C. defenders again and slid the puck through the legs of the T.C. goalie to give W-L a 2-0 lead less than three minutes into the game.
The Titans were stunned early but managed to regroup. Goalie Lucas Hernandez Wilson settled in and turned away a several more early scoring chances by W-L. T.C. began to generate pressure in the offensive zone and with a little over five minutes left in the opening period, Luke Mattson found John Fortney on the backdoor. Fortney one-timed the pass into the back of the net for the score.
In the second period, both goalies, Hernandez Wilson for T.C. and Ely Constantine for W-L, made several big saves for their teams. The game stayed 2-1 through the period despite both teams having several powerplay opportunities.
With a little over ten minutes left in the game, W-L senior Logan Ehrlich rushed up the left side of the ice and into the T.C. zone before cutting hard to the net. Hernandez Wilson saved Ehrlich's first shot, but the senior retrieved his own rebound and skating across the front of the goalmouth was able to slip the puck into the net to give W-L a 3-1 lead. Hunter Spicer added a power play goal for the Generals with just under seven minutes to play to extend W-L's lead to three goals.
The Titans weren't ready to concede and they ferociously battled back. T.C. capitalized on their own power play when Jason Townsend scored with 2:39 left in the game. With their goalie pulled for the extra attacker, the Titans frantic effort led to another goal by Townsend, bringing the game within one score but with only 38 seconds remaining.
Washington-Lee held on as time ran down to capture the 4-3 victory and the Championship!
Congratulations to the 2019 CSHL Virginia State Champion Washington-Lee Generals!
Congratulations to Logan Ehrlich of Washington-Lee for being selected by the Washington Capitals to receive the Washington Capitals Alumni Association (WCAA) Scholarship!
The scholarship is awarded to one senior from each of the five high school hockey leagues (CSHL, MAGHL, MAPHL, MSHL, NVSHL) in the Washington, D.C. metropolitan area.
Congratulations, Logan!


- It's been a challenging task for parents to search the best tutor in Delhi-NCR. Every parent wants quality teaching methods that are only possible if someone has years of experience in teaching.
Mathematics is one of the hardest subjects in Science stream along with Chemistry and Physics, but their applications are there in almost every part of daily life. Its subject is huge and takes time to get complete hold of all the topics that are required to study in these competitive exams.


text:
Q: Dynamic Cell Sizing:Overriding Xcode storyboard constraints By right, this should give a adjusted cell based on the content.However, the height of my cell is still based on the storyboard property and is there a way to let the height adjust dynamically by overriding the storyboard property?

func collectionView(_ collectionView: UICollectionView,
layout collectionViewLayout: UICollectionViewLayout,
sizeForItemAt indexPath: IndexPath) -> CGSize {
if let chatsText = chats[indexPath.row].message {
    let size = CGSize(width: 250, height: 1000)
        let options =   NSStringDrawingOptions.usesFontLeading.union(.usesLineFragmentOrigin)
        let estimatedFrame = NSString(string: chatsText).boundingRect(with: size, options: options, attributes: [NSAttributedStringKey.font : UIFont.systemFont(ofSize: 18)], context: nil)
        return CGSize(width: view.frame.width, height: estimatedFrame.height + 20)
    }

    return CGSize(width: view.frame.width, height: 200)
}
}

 func collectionView(_ collectionView: UICollectionView, cellForItemAt indexPath: IndexPath) -> UICollectionViewCell{
    let cell = collectionView.dequeueReusableCell(withReuseIdentifier: cellIdentifierA, for: indexPath) as! ChatCollectionViewCell
 //   cell.messageReceived.text = chats.reversed()[indexPath.row].message
     let senderIDNumber = Auth.auth().currentUser?.uid
    if chats[indexPath.row].senderID == senderIDNumber {
    cell.messageSend.text = chats[indexPath.row].message
        if let chatsText = chats[indexPath.row].message {
            let size = CGSize(width: 250, height: 1000)
            let options = NSStringDrawingOptions.usesFontLeading.union(.usesLineFragmentOrigin)
            let estimatedFrame = NSString(string: chatsText).boundingRect(with: size, options: options, attributes: [NSAttributedStringKey.font : UIFont.systemFont(ofSize: 18)], context: nil)
            cell.messageSend.frame = CGRect(x:0,y:0,width:250 + 16, height:estimatedFrame.height + 20)

         //showOutgoingMessage(text: chats[indexPath.row].message)
    }
    else {
   /* cell.messageReceived.text = chats[indexPath.row].message */
    }
    }
     return cell
    }

A: Just after you set your chats array in your code add the following line :
yourCollectionViewName.reloadData()

You probably pass into your sizeForItemAtIndexPath method before setting your array of chat. reloadData method will reload your collectionView and calculate cell size again.

A: maybe you forget to set collection view's delete to your layout object. in this case, you've confirmed flow layout protocol already:

UICollectionViewDelegateFlowLayout

two ways to set collection view's delegate:
1st. by programming:
collectionView.delegate = self // if your view controller confirms UICollectionViewDelegateFlowLayout

2nd. in storyboard: control and drag to the view controller

BTW, if this is not the right ans, please upload your repo to public, like Github, we would help you fix it.

redpajama_set_name: RedPajamaStackExchange


text:
Insurance Law Hawaii
A commentary on insurance coverage issues in Hawaii and beyond
All-Risk Policy
Court Denies Motion to Dismiss Retailer's COVID-19, Business Interruption Claim
The insured furniture retailer survived a motion to dismiss its business interruption claim after government orders caused disruption of the insured's operations due to COVID-19. Susan Spath Hegedus v. Ace Fire Underwriters Ins. Co., 2021 U.S. Dist. LEXIS 88041 (E.D. Pa. May 7, 2021).
Plaintiff operated two locations in California. Plaintiff had an all-risk policy from Ace. When the pandemic struck, county and state orders shuttered plaintiff's business as non-essential. Plaintiff filed a claim for lost business income. Ace denied the claim because the losses did not arise from any direct physical loss or damage to property, and were barred by the policy's virus exclusion. Plaintiff filed suit and Ace moved to dismiss.
The court found that plaintiff plausibly stated claims for coverage related to business income. The Business Income Additional Coverage portion of the policy required "direct physical loss of or damage to" property. This disjunctive language indicated the two phrases could not be synonymous, or they would be redundant. The allegations in plaintiff's complaint regarding its suspension of operations could plausibly constitute a "direct physical loss of . . . property at the described premises," because plaintiff lost the ability to physically operate its business. The phrase "direct physical loss of or damage to" was ambiguous as used in the policy. Therefore, the plaintiff's alleged loss of property that plausibly fell within the scope of the policy was sufficient to survive the motion to dismiss.
Addressing the virus exclusion, the court noted that the complaint alleged it was the government shutdown orders that caused the losses, not the virus. The complaint did not allege the presence of the virus at the premises. It alleged that the government orders caused its losses when its business operations were suspended. Regardless of what may have precipitated the closure order, the virus continued to exist. Accordingly, it was the order to shut down the business that forced the closure. The argument that the orders themselves caused the losses, or were at least the predominant cause of its losses, was also sufficient to defeat the motion to dismiss.
Posted by Tred Eyerly on June 30, 2021 in All-Risk Policy, Business Interruption, COVID-19, First Party Insurance | Permalink | Comments (0)
Restaurant's COVID-19 Claim Survives Motion to Dismiss
The insurer's argument that the insured restaurants' claim for business interruption due to COVID-19 should be dismissed because there was no physical damage to the structure was rejected by the federal district court in Alabama. Serendipitous, LLC v. Cincinnati Ins. Co., 2021 U.S. Dist. LEXIS 86998 (N.D. Ala. May 6, 2021).
Due to closure orders issued at the beginning of the coronavirus pandemic, restaurants could provide only curb pick up for months Later, they were allowed to seat customers, but at a restricted capacity. The restrictions caused the restaurants to suffer business income losses, so the restaurants submitted a claim to Cincinnati for coverage. The claim was denied. The restaurants filed suit.
Cincinnati moved to dismiss, arguing that the restaurants had not adequately pleaded a direct physical loss under the terms of the policy. The court focused on the word "loss" as used in the policy. "Loss" was defined in the policy as "accidental physical loss or accidental physical damage." Cincinnati argued that the term "loss" was unambiguous and that the restaurants failed to identify "physical" loss or damage to property needed to trigger coverage. The restaurants argued "loss" was ambiguous as used in the policy. Further, the "loss" or "damage" requirements in the definition of "loss" were disjunctive, so the words must have distinct meanings.
The court agreed that the alternative phases "accidental physical loss" and "accidental physical damage" in the definition of "loss" indicated that each phrase had a separate meaning. Otherwise, one of the phrases was superfluous. The distinction indicated that loss meant something other than damage. Further, when property was damaged so badly that it could not be used again, it typically was considered a loss.
The restaurants alleged that they were physically deprived of their property because of the COVID-19 virus. Civil orders restricting the restaurants' access to their property because of the widespread presence of a rapidly spreading, invisible, lethal virus that survives on surfaces such as restaurant tables were no different from civil orders restricting access to a restaurant after fire destroys part of a building. The restaurants alleged that civil authorities limited access to the restaurants because the virus was so prevalent in the community. Further, the restaurants had to close completely when an employee contracted the virus, whether or not the employee contracted CZOVID-19 at the restaurant, to disinfect the premises because the potential for spread of the highly contagious virus made the premises "dangerous" and unusable until the premises were disinfected.
Accordingly, Cincinnati's motion to dismiss was denied.
Posted by Tred Eyerly on June 07, 2021 in All-Risk Policy, COVID-19, First Party Insurance | Permalink | Comments (0)
Insurer's Motion to Dismiss Class Action COVID-19 Claim Denied
The insurer's motion to dismiss a nationwide class action suit arising from shutdown orders after the COVID-19 pandemic was rejected by the court. Back2health Chiropractic Ctr. v. Sentinel Ins. Co., 2021 U.S. Dist. LEXIS 42791 (D. N.J. March 15, 2021).
Back2health sought coverage under its all-risk policy after stay-at-home and business restrictions were implemented. The complaint alleged the policy covered some of Back2health's financial losses. The insurer denied the claim due to lack of physical damage to Back2health's property. Back2health filed suit individually and on behalf of a nationwide class consisting of policy holders who's coverage had been denied by Sentinel.
Sentinel first moved to dismiss due to lack of personal jurisdiction under Rule 12 (b) (2), Fed. R. Civ. P. Sentinel argued there was no specific jurisdiction for claims of nonresident class members with no adequate link to New Jersey. The court rejected this argument because, at this early stage of the litigation, it needed to only be satisfied that it had personal jurisdiction over Sentinel for the claims advanced by Back2health, the only named plaintiff.
Sentinel next argued there was a lack of standing and the case should be dismissed under Rule 12 (b) (1), Fed. R. Civ. P. Sentinel conceded that Back2health had standing as to a New Jersey class. But Sentinel argued Back2health did not have standing as to putative out-of-state plaintiffs. The court disagreed. Article III standing was a constitutional requirement that directly impacted a court's subject-matter jurisdiction. In assessing Article III, a court had to assure itself of a party's standing. Third Circuit precedent did not raise concerns about a named plaintiff's standing to assert claims for putative out-of-state members. Sentinel's motion to dismiss for lack of standing was denied.
Posted by Tred Eyerly on May 03, 2021 in All-Risk Policy, Business Interruption, COVID-19, First Party Insurance | Permalink | Comments (0)
California Federal District Court Denies, in Part, Insurer's Motion to Dismiss COVID-19 Business Interruption Claim
In another victory for policy holders on business interruption claims arising from COVID-19, the federal district court denied the insurer's motion to dismiss on one of two claims. Kingray Inc. v. Farmers Group Inc., et al., 2021 U.S. Dist. LEXIS 41300 (C. D. Cal. March 4, 2021).
Plaintiff Kingray Inc., who operated a sports bar and grill, and Plaintiff Nora's Style Salon, Inc. filed suit against Farmers when business interruption coverage was denied under plaintiffs' all risk policies. Government shut-down orders at the beginning of the COVID-19 pandemic caused plaintiffs to suffer loss of business income.
Plaintiff alleged that as a result of the COVID-19 civil authority orders, they suffered "direct physical loss of and damage to" their properties. The were unable to use their properties for their intended purpose and were forced to suspend and curtail business operations, rendering their properties less useful and profitable.
Kingray's policy excluded "loss or damage cause by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease." This exclusion defeated Kingray's argument for coverage and its claims were dismissed.
Nora's policy, however, did not include a virus exclusion. Nora's argued that the "or" used in the phrase "direct physical loss of or damage to" demonstrated that "physical loss" was different from "physical damage." The court agreed it was possible that either the coronavirus or the "stay at home" orders caused "direct physical loss" to Nora's. Nora's was forced to shutter, rendering its property unusable for its only purpose - the operation of a business. If Nora's was not allowed to operate or invite others onto tis property, it was disposed in some way. Dispossession was a form of loss. It was plausible that "direct physical loss of" property included physical dispossession because of dangerous conditions (a virus in the air) or a civil authority order requiring Nora's to close.
Therefore, Farmers' motion to dismiss was granted in part, denied in part.
Posted by Tred Eyerly on April 26, 2021 in All-Risk Policy, Business Interruption, COVID-19 | Permalink | Comments (0)
First Judgment Entered for Policyholders in COVID-19 Claim
The insureds' motion for summary judgment seeking coverage for business interruption due to the COVID-19 pandemic was granted by the North Carolina Superior Court. North State Deli, LLC, et al. v. The Cincinnati Ins. Co., No. 20-CVS02569, Order Granting Plaintiffs' Motion for Partial Summary Judgment (Super. Ct. N.C., entered Oct. 9, 2020). This was the first ruling in the country finding in favor of policyholders for coverage for business income loss resulting from the COVID-19 pandemic. The order is here [Order].
Plaintiffs operated seven restaurants in North Carolina. The restaurants were insured by "all-risk" policies from Cincinnati, which offered business interruption coverage. The policies defined "loss" as "accidental physical loss or accidental physical damage."
Plaintiff sought coverage for losses arising out of the COVID-19 pandemic. Beginning in March 2020, governmental authorities entered orders mandating the suspension of business operations at various establishments, including plaintiffs' restaurants. Coverage for business interruption was denied and plaintiffs sued. Plaintiffs moved for summary judgment.
The court initially noted that the policies did not define "direct," "physical loss," or "physical damage." Dictionary definitions led the court to determine that "direct physical loss" described the scenario where business owners and their employees, customers, vendors, suppliers, and others lost the full range of rights and advantages of using or accessing their business property. This was precisely the loss caused by the government orders. Plaintiffs were expressly forbidden by government decree from accessing and putting their property to use for the income-generating purposes for which the property was insured. Therefore, this loss was unambiguously a "direct physical loss" and the policies provided coverage.
The policies provided coverage for "accidental physical loss or accidental physical damage." Cincinnati's argument that the policies require physical alteration conflated "physical loss" and" physical damage." The use of the conjunction "or" meant that a reasonable insured could understand the terms "physical loss" and "physical damage" to have distinct and separate meanings. Under Cincinnati's argument, however, if "physical loss" also required structural alteration to property, then the term "physical damage" would be rendered meaningless.
Finally, nothing in the policies excluded coverage for plaintiffs' losses. The policies did not exclude virus-related causes of loss.
Therefore, the policies provided coverage for business income for plaintiffs' loss of use and access to covered property mandated by the government orders as a matter of law. The motion for partial summary judgment was granted.
Posted by Tred Eyerly on October 26, 2020 in All-Risk Policy, Business Interruption, COVID-19, First Party Insurance | Permalink | Comments (0)
Court Denies Remand of COVID-19 Case
The federal district court rejected a challenge to its diversity jurisdiction and rejected the insured's attempt to remand the COVID-19 claims back to state court. Vandelay Hospitality Group LP v. Cincinnati Ins. Co., 2020 U.S. Dist. LEXIS 149196 (N.D. Tex. Aug. 18, 2020).
Vandelay purchased a commercial property policy from Cincinnati through Swingle Collins, its registered broker, and its employee, Baron Cass. The policy was "all risk" and purported to insure three of Vandelay's restaurants for, amoung other things, direct physical loss and loss incurred due to business interruptions.
Vandelay had to close its restaurants in March 2020 when state and local officials issued emergency orders limiting dine-in restaurants to take-out service due to COVID-19. Vandelay closed its three restaurants and submitted a claim to Cincinnati. The claim was denied. Vandelay sued Cincinnati and Cass in state court for breach of contract and for a declaratory judgment that the policy covered the claimed losses. Vandelay amended its petition to join Swingle Collins.
Cincinnati removed the case based on diversity jurisdiction, contending Cass and Swingle Collins were fraudulently joined. Cincinnati was an Ohio corporation. Vandelay, Cass and Swingle Collins were all citizens of Texas.
A declaratory judgment was appropriate only if (1) a justiciable controversy existed and (2) the controversy would be resolved by the declaration sought. Duplicative relief could not be sought in a declaratory judgment action.
Vandelay sought a declaration that the forced closures of its restaurants denied access to the premises and was covered under the policy. Further, Vandelay sustained "direct physical loss to property" because of COVID-19 and the related state and local orders. Finally, Vandelay wanted to establish that the lost business income it sustained was due to the necessary suspension of operations.
Each of the declarations sought would be resolved in the context of Vandelay's breach of contract action. Therefore, the declaratory relief sought would add nothing to the action in that the request mirrored Vandelay's claims and duplicated its own claim for breach of contract. Because the court's adjudication of the breach of contract claim would determine whether there was coverage and thereby determine all parties' rights under the policy and any claims arising out of its formation, the declaratory judgment claims were duplicative and unavailable as a matter of law.
Consequently, defendants met their burden of demonstrating that there was no reasonable basis for predicting that Vandelay might be entitled to a declaratory judgment in state court. There was no reasonable basis for recovery against Swingle Collins and Cass, so Vandelay's motion for remand was denied.
Posted by Tred Eyerly on September 23, 2020 in All-Risk Policy, COVID-19, First Party Insurance, Removal | Permalink | Comments (0)
No Coverage For Wind And Flood Damage Suffered From Superstorm Sandy
The court found that the policy's anti-sequential clause barred coverage for damage caused by Hurricane Sandy. Estate of Doerfler v. Fed. Ins. Co., 2020 N.J. Sup. Unpub. LEXIS 920 (May 14, 2020).
The insureds held identical homeowners policies from Chubb and Federal Insurance Company. Damage resulting from flood was not covered. The policies' "surface water exclusion" stated,
[W]e do not cover any loss caused by: flood, surface water, waves, tidal water, overflow of water from a body of water . . . or spray from any of these even if driven by wind.
The insureds also had separate flood insurance policies, insuring the structure of each home for $250,000.
Superstorm Sandy created wind gusts as high as eighty miles per hour. A severe storm surge caused tides to rise between nine and eleven feet. The storm surge caused surface water to flood onto plaintiffs' properties and their homes ultimately collapsed.
Claims were submitted to the insurers. Inspectors determined that the damage to the homes was cased by storm surge and flood waters, not wind. Plaintiffs were paid the maximum amounts under the flood policies.
Plaintiffs sued the insurers and cross-motions for summary judgment were filed on whether the surface water exclusion barred coverage after the homes were destroyed in the flood that inundated their properties.
The trial judge correctly found that the policies did not cover the losses sustained in the flood. The surface water exclusion clearly applied.
The trial judge correctly rejected plaintiffs' contention that wind was the initiating and efficient proximate cause of the storm surge and, because wind damage was covered under their policies, the surface water exclusions did not apply. Under the efficient proximate cause rule, recovery was allowed where the insured risk was the last step in the chain of causation set in motion by an uninsured peril, or where the insured risk itself set into operation a chain of causation in which the last step may have been an excepted risk.
As determined by the trial judge, the efficient proximate cause rule did not apply here. Wind and flood waters were not separate events. Further, there were no sequential causes of loss. Because the policies excluded any loss contributed to, made worse by, or in any way resulting from or caused by flood, surface water, waves, tidal water, or overflow from a body of water (an anti-sequential clause), the claims were barred regardless of whether wind played any role in the loss.
Accordingly, the trial court properly granted summary judgment to the insurers.
Posted by Tred Eyerly on June 22, 2020 in All-Risk Policy, First Party Insurance, Flood Coverage, Flood Policy | Permalink | Comments (0)
Policy Lanuage Expressly Prohibits Replacement of Undamaged Material to Match Damaged Material
Construing an all-risk Businessowners Policy, the court found that the policy language did not required replacement of undamaged material match materials that were damaged. Pleasure Creek Townhomes Homeowners' Ass'n v. Am. Family Ins. Co., 2019 Minn. App. Unpub. LEXIS 1095 (Minn. Ct. App. Nov. 25, 2019).
The policy covered the Association's 14 townhome buildings. In June 2017, a hail storm damaged siding on all 14 buildings. An appraisal panel included the cost to replace the undamaged, faded siding in its appraisal award so that it would match the new siding. American Family refused to pay this component - which was appraised at about $211,382 - of the award.
An exclusion in the policy provided,
We will not pay to repair or replace undamaged material due to mismatch between undamaged material and new material used to repair or replace damaged material.
We do not cover the loss in value to an property due to mismatch between undamaged material and new material used to repair or replace damaged material.
After declining to pay for the undamaged mismatched siding, American Family moved for summary judgment, which the district court granted, finding that the policy excluded coverage.
The appellate court affirmed. The Minnesota Supreme Court in Cedar Bluff Townhome Cond. Ass'n v. Am. Family Mut. Ins. Co., 857 N.W. 2d 290 (Minn. 2014), found that the mismatch between the old siding and new siding available constituted a covered loss, and obligated American Family to pay to replace all of the siding. But the policy in Cedar Bluff had no matching exclusion. Therefore, this case was distinguishable and the district court's granting of summary judgment to American Family was affirmed.
Posted by Tred Eyerly on December 30, 2019 in All-Risk Policy, Appraisal, First Party Insurance | Permalink | Comments (0)
Insurer Awarded Summary Judgment on Collapse Claim
The Eleventh Circuit agreed with the insurer that there was no coverage for a collapse under the policy. S.O. Beach Corp. v. Great Am. Ins. Co.,2019 U.S. App. LEXIS 32569 (11th Cir. Oct. 31, 2019).
S.O. Beach Corporation and Larios on the Beach, Inc ("Larios") owned a building in Miami Beach. Sometime between march 4, 2012 and April 10, 2013, Larios discovered that parts of the first three floors of its building had caved in to varying degrees. The primary cause of the collapse was a wooden support beam that had severely rotted. Larios found a broken pipe that was gushing water onto the beam, causing deterioration. Larios was forced to evacuate the building until the damage was repaired.
Larios submitted a claim under its all-risk policy with Great American. The policy required that a collapse an "abrupt falling down or caving in of a building or any part of a building" to be covered. Before a coverage decision was made, Larios sued for breach of contract. The parties filed cross-motions for summary judgment. The district court granted Great American's motion and denied Larios' motion.
On appeal, the court noted that Larios carried its initial burden under the all-risk policy of showing that a loss - the purported collapse - happened while the policy was in effect. The burden shifted to Great American to prove that the cause of the purported collapse was excluded under the terms of the policy. Great American produced documentary evidence along with testimony from expert witnesses and fact witnesses showing that the purported collapse was gradual, not abrupt.
Therefore, the burden shifted back to Larios to prove that an exception to the exclusion applied. Larios argued the policy was ambiguous. But the court found there was no conflict between explicitly covering collapses that resulted from a gradual cause like decay and limiting coverage to collapses that were abrupt. Decay was just one of over a dozen covered causes listed in the policy's collapse coverage provisions. Some of the causes were abrupt, like "lightning" or an "explosion." Others were more gradual, like "decay" or "water damage." But regardless of whether the cause of a collapse was gradual or abrupt, the collapse itself was covered only if it was abrupt. Larios' contention that the collapse provisions were ambiguous was rejected and the district court was affirmed.
Posted by Tred Eyerly on December 09, 2019 in All-Risk Policy, Collapse | Permalink | Comments (0)
Ninth Circuit Reverses Grant of Summary Judgment to Insurer For Fortuitous Loss
The Ninth Circuit reversed the district court's issuance of summary judgment regarding coverage for damages when the insured's plant had to be shut down due to an accident. Ingenco Holdings, LLC v. Ace American Ins. Co., 2019 U.S. App. LEXIS 10946 (9th Cir. April 15, 2019).
Ingenco operated a gas purification plant which converted raw landfill gas into usable natural gas. The final step in the purification process involved the removal of excess nitrogen from the landfill gas. The gas was directed through adsorbent beads, to which nitrogen adhered, contained within pressure vessels.The beads could not withstand the direct pressure of the landfill gas inflow. which, if untreated, could grind the beads down into dust. To reduce the force of the gas flow on the beads, a "diffuser basket" was suspended from the top of each bead-filled pressure vessel. The diffuser basket acted as a shield that prevented the full force of the incoming landfill gas from striking the beads directly.
In 2010, metal brackets securing a diffiuser basket broke. This resulted in damage to other components and an eventual shutdown of the entire facility. The plant remained idle for several months as Ingenco investigated alternative nitrogen filtration options and undertook repairs.
Ingenco filed a property damage claim with Ace in May 2011. The all-risk policy excluded "faulty or defective material, faulty workmanship, faulty methods of construction . . . unless loss by a peril not otherwise excluded ensues . . ." Ace denied coverage, contending that the losses were not caused by any"external" force, but rather from defects in the diffuser basket. Ace reasoned that without an "external cause" there was no covered loss. Even if there were an external cause, coverage would still be denied under the "defective material," "wear and tear," "deterioration," and other, similar exclusions.
Ingenco sued for breach of contract and declaratory relief. The district court granted summary judgment to Ace, agreeing that Ingenco's losses did not result from an "external cause," but rather from an inherent problem in the system, which had been designed to withstand the "external" force at issue, i.e., the landfill gas. The "ensuing loss' exception to the "defective material" exclusion did not apply because there was no covered loss in the first place. Ingenco appealed.
The Ninth Circuit noted that the policy did not define the term "external cause." The proper analysis was on whether the loss was fortuitous. This required looking into whether a particular loss was certain to occur, the parties' perception of risk at the time of the policy issuance, and whether the loss could reasonably have been foreseen. The issue was not the fortuity of the process gas or some other cause, but rather whether Ingenco's loss was fortuitous. The court concluded the loss was not inevitable and could not have been reasonably foreseen. Therefore, the loss was fortuitous or, at the very least, there was a triable issue of fact.
Therefore, the district court's grant of summary judgment to Ace on the question of whether Ingenco's loss was the result of an "external cause" was reversed. The district court failed to consider the role of fortuity in all risks insurance disputes.
The court next considered the ensuing loss provision in the exclusion for faulty or defective material, etc. Ingenco argued that, even if the diffuser basket was defectively designed, and even if its failure constituted an uncovered "internal" cause of loss, the "ensuing loss" exception preserved coverage for the post-failure damage to the adsorbent beads throughout the purification system. Ace's position was that the damage did not result from an "external cause." The court reasoned that the loss of the adsorbent beads did ensue from some prior, but excluded loss or event, whether it was the stream of gas or the failure of the diffuser shield. There was no specific exclusion regarding the loss of the beads. Therefore, even if the diffuser shield suffered from some inherent defect, the subsequent destruction of the adsorbent beads would be covered under the ensuing loss exception.
Consequently, the Ninth Circuit reversed the district court grant of summary judgment against Ingenco and remanded the case to the district court for trial.
Posted by Tred Eyerly on May 15, 2019 in All-Risk Policy, Ensuing Loss, First Party Insurance | Permalink | Comments (0)
Tred Eyerly practices law in Honolulu, Hawaii, and focuses on insurance coverage issues.
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Ultrasound continues to be a rapidly growing modality in the world of diagnostic imaging. Numerous reports forecast continued growth in coming years as advances in ultrasound systems make this modality even more vital for health care facilities of all sizes.
A recent report with information sourced from Reportlinker states that the global ultrasound device market will grow at a compound annual growth rate (CAGR) of 4.9 percent over the period of 2017-2023. The forecast is based on a study on the ultrasound device market that covers the analysis of the leading geographies such as North America, Europe, Asia-Pacific, and RoW for the period of 2015 to 2023.
A MarketsandMarkets report that "analyzes and studies the major market drivers, restraints, opportunities, and challenges in North America, Europe, Asia-Pacific, and the Rest of the world (RoW)" also predicts growth.
"This report studies the ultrasound market over the forecast period of 2016 to 2021. The ultrasound market is expected to reach $6.86 billion by 2021 at a CAGR of 5.2 percent during 2016 to 2021," according to MarketsandMarkets.
Grand View Research provides some insights into why it expects the global ultrasound market to reach new heights.
Mordor Intelligence also shares its insights regarding the global ultrasound market.
"Government and private funding for R&D in ultrasound imaging, aging population, increasing number of health care providers, curtailment in the size of ultrasound devices, and higher incidences of chronic diseases are some of the factors that are propelling the growth of the market. However, lack of skilled labor to handle the equipment and stringent FDA regulations are turning out to be restraints for this market," according to Mordor Intelligence.
Mordor Intelligence agrees that the future holds continued growth for the ultrasound market.
"Many players in this market are trying to expand their product portfolio to top the global market. Few companies have even adopted product innovation and new product launches as their key business strategies, to ensure their dominance in the market," according to Mordor Intelligence.
The major players in this market include GE Healthcare, Philips Healthcare, Siemens Healthineers, Samsung Medison Co. Ltd, Toshiba Medical Systems Corp., Mindray Medical International Ltd., and Hitachi Medical Corp.


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FHVS
Friedrich Heinrich von Seckendorff
Austrian Field Marshal
Occupations Diplomat Military personnel
Birth July 5, 1673 (Königsberg in Bayern, Haßberge, Lower Franconia, Bavaria)
Death November 23, 1763 (Meuselwitz, Altenburger Land, Thuringia, Germany)
Authority ISNI id Library of congress id VIAF id
Friedrich Heinrich Reichsgraf von Seckendorff (5 July 1673 – 23 November 1763) was a Franconian field marshal and diplomat, in the service of the imperial Habsburg monarchy of Austria. Later he served as commander of the Bavarian army and fought Austria.
Seckendorff was born in Königsberg, Franconia, into the Seckendorff family of nobility. His father was an official of Saxe-Gotha and his nephew was Veit Ludwig von Seckendorff. He studied law in Jena, Leipzig, and Leyden.
Early military career
In 1693, Seckendorff served in the allied army commanded by William III of England, and in 1694 became a cornet in a Gotha cavalry regiment in Austrian pay. Leaving the cavalry, he became an infantry officer in the service of Venice, and in 1697 in that of the Margrave of Ansbach, who in 1698 transferred the regiment in which Seckendorff was serving to the Imperial army. He served under Prince Eugene of Savoy in the Great Turkish War.
In 1699, Seckendorff married and returned to Ansbach as a court officer, but the outbreak of the War of the Spanish Succession called him into the field again as lieutenant-colonel of an Ansbach regiment, which was taken into the Dutch service. During the War of the Spanish Succession, Seckendorff led Ansbach's regiment and, at the head of his dragoons, conquered 16 standards in the Battle of Blenheim. Promoted to Oberst, Seckendorff participated in the battles of Ramillies and Oudenaarde and the siege of Ryssel.
Disappointed with his lack of promotion in the Netherlands and Austria, Seckendorff entered the service of King Augustus II of Poland as a Generalmajor and commanded the king's auxiliary Saxon troops in Flanders, fighting in the siege of Tournai and the battle of Malplaquet. As the Polish envoy to the Hague, he participated in the negotiations of the 1713 Treaty of Utrecht; in the same year he suppressed an insurrection in Poland. As a lieutenant general, Seckendorff commanded Saxon troops in the 1715 siege of Stralsund against King Charles XII of Sweden.
Seckendorff reentered imperial service as a Feldmarschallleutnant in 1717. Under the command of Eugene of Savoy, Seckendorff led two Ansbach regiments against the Ottoman Turks at Belgrade. In 1718 he successfully fought against Spain in Sicily. Granted the title of Reichsgraf in 1719, Seckendorff was named Feldzeugmeister two years later.
In 1726, at the instance of Eugene of Savoy, Seckendorff became the imperial ambassador at the Prussian court in Berlin. He gained the trust of King Frederick William I of Prussia; king and diplomat had fought alongside one another in the War of the Spanish Succession. Seckendorff also bribed the minister of state, the influential Friedrich Wilhelm von Grumbkow, with an Austrian pension. In order to avoid a potential marriage between Crown Prince Frederick and a princess of the House of Hanover that would have allied Prussia and Great Britain, Seckendorff manipulated Frederick William and his son so that the crown prince instead married Elizabeth Christina of Brunswick-Bevern, a marriage more favorable to Austria.
Seckendorff's diplomatic skill also led to recognition of the Pragmatic Sanction by the courts of numerous German principalities, Denmark, and the Dutch Republic.
Later military career
In 1734, Seckendorff returned to the imperial army and became Governor of Mainz. As imperial general of cavalry during the War of the Polish Succession, he led 30,000 troops against the French at Clausen on 20 October 1735. In 1737, Emperor Charles VI made Seckendorff commander-in-chief in Hungary, at the same time giving him the baton of Feldmarschall. Although initially successful in the Austrian-Russian campaign against the Ottomans, he was eventually forced to retreat across the Save River. His numerous enemies in Vienna brought about his recall, trial and imprisonment at Graz as punishment for the unsuccessful war.
Empress Maria Theresa released Seckendorff from prison in 1740, but, denied his arrears of pay, he laid down all his Austrian and imperial offices and accepted from the new Holy Roman emperor, Bavarian Charles VII, the rank of field marshal in the Bavarian service. As commander of the Bavarian army, Seckendorff relieved Munich in the War of the Austrian Succession and, by a series of battles in 1743 and 1744, forced the Austrians back into Bohemia, after which he resigned.
Following the death of Charles VII, Seckendorff negotiated a reconciliation between Austria and Bavaria in the Treaty of Füssen on 22 April 1745. Emperor Francis I reaffirmed all of Seckendorff's honors, and the diplomat retired to his estate at Meuselwitz in Thuringia. In 1757 the death of his wife, for whom, harsh and unamiable as he was, he had a deep and abiding affection, broke down his already failing health. Frederick the Great directed Prussian hussars to abduct Seckendorff from Meuselwitz in December 1758 during the Seven Years' War. After spending half a year in detention in Magdeburg, he was exchanged for Moritz of Anhalt-Dessau, who had been captured by Austrians at Hochkirch. Returning to Meuselwitz, Seckendorff died at his estate in 1763.
Frederick the Great despised Seckendorff, resenting the military diplomat for gaining the trust of Frederick William I and his involvement in the Prussian wedding plans. Regarding Seckendorff, Frederick wrote, "He was sordidly scheming; his manners were crude and rustic; lying had become so much second nature to him that he had lost the use of the truth. He was a usurer who sometimes appeared in the guise of a soldier, and sometimes in that of a diplomat".
Family Early military career Diplomacy Later military career Quotes


There is no one best way for an undergraduate student to learn elementary algebra. Some kinds of presentations will please some learners and will disenchant others. This text presents elementary algebra organized accord ing to some principles of universal algebra. Many students find such a presentation of algebra appealing and easier to comprehend. The approach emphasizes the similarities and common concepts of the many algebraic structures. Such an approach to learning algebra must necessarily have its formal aspects, but we have tried in this presentation not to make abstraction a goal in itself. We have made great efforts to render the algebraic concepts intuitive and understandable. We have not hesitated to deviate from the form of the text when we feel it advisable for the learner. Often the presenta tions are concrete and may be regarded by some as out of fashion. How to present a particular topic is a subjective one dictated by the author's estima tion of what the student can best handle at this level. We do strive for consistent unifying terminology and notation. This means abandoning terms peculiar to one branch of algebra when there is available a more general term applicable to all of algebra. We hope that this text is readable by the student as well as the instructor. It is a goal of ours to free the instructor for more creative endeavors than reading the text to the students.


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Giving the Moon the Business: U.S. FAA Backs Bigelow
One small step for making business on the Moon a new economic sphere?
The FAA's Office of the Associate Administrator for Commercial Space Transportation (AST) has given thumbs-up regarding private sector operations on the Moon.
In a December 22 letter to Bigelow Aerospace, the FAA's AST — in consultation with the Department of State, the Department of Defense, and other federal agencies, including NASA and NOAA – "is prepared to support Bigelow Aerospace's trailblazing initiative."
The letter is in response to a Bigelow Aerospace "payload review" tied to commercial development of the Moon.
Protect assets and personnel
The FAA/AST letter, obtained by Inside Outer Space, encourages the private space firm to continue to invest in the development of Bigelow Aerospace's lunar habitat to support public and private sector activities.
"Moreover, we recognize the private sector's need to protect its assets and personnel on the Moon or on other celestial bodies," the FAA AST letter explains. "Supporting non-interference for private sector operations will enhance safety and only add to the long history of preserving ownership interests in hardware and equipment."
Ill-equipped regulatory framework
Furthermore, the letter explains that the Department of State's fundamental concern is that the national regulatory framework, in its present form, is "ill-equipped" to enable the U.S. Government to fulfill its obligations under the Outer Space Treaty with respect to private sector activities on the Moon or other celestial bodies.
Space entrepreneur, Robert Bigelow (left) explains company's plans for commercial operations on the Moon.
Credit: Bigelow Aerospace/Leonard David Archives
"This response represents one small step for Bigelow Aerospace and one giant leap for lunar development," said Mike Gold, Director of Washington, D.C. Operations & Business Growth for Bigelow Aerospace, LLC.
In 2013, after completing a Space Act Agreement on behalf of NASA to identify potential next steps for commercial space development, Bigelow Aerospace determined that the best destination for future private and public sector activities is the Moon.
Unlike asteroids or Mars, Bigelow Aerospace believes that the Moon has the potential to support near-term opportunities for economic growth.
"As is the case with any new frontier, prospects remain uncertain, but the Moon offers a variety of minerals and resources that could support mining or other forms of commercial operations," adds Gold. "Bigelow Aerospace sees its role in lunar development as the historic equivalent of the Hudson Bay Company, providing the necessary habitats, equipment, and transportation for entrepreneurs to execute their business plans. Bigelow Aerospace wants to enable individuals, companies, and countries to transform the Moon into a dynamic arena for imagination and innovation."
Beginning of a process
Does the FAA now have jurisdiction over the Moon? Does this letter fully resolve the legal vacuum that has existed for low Earth orbit (LEO) and beyond LEO commercial operations?
"This is the beginning of a process, not the end," Gold said. "This response represents a first step by the AST to use what authority it has to create a safe and attractive environment for commercial lunar development. The first step is always the most challenging, and we're grateful to the FAA AST and their colleagues at the Department of State for this decision."
3 Responses to "Giving the Moon the Business: U.S. FAA Backs Bigelow"
David Heck says:
The Next Giant Leap !! International Lunar Research Park like Mike Marlaire's NRP !
sort the shit out on tis earth first with out polluting the moon with human corruption and filth
Wojtek says:
greg "sort the shit out on tis earth first " -> please tell me how You would like to do that ? How to stop wars in 3-world regions (in most of cases, wars are also reasons of starvation), how to make China respect human rights, how to convince North Korea leaders to go to democracy ?
I think, it is easy to talk like this – but how to do that?
When Kolumb started his journey to America, situation in Europe was very similar to toad state in poor regions of Africa. There are some publications, how the discovery of new lands has helped to change situations in lots of 17 & 18 century Europe.
Please also google a little about details of this article – it's also about resources extraction.


Juice Syndicate delivers raw superfood juices and smoothies for cleansing – straight to your door! Our juice programs are brimming with nourishing superfood ingredients to boost your life and vitality by deeply restoring you and your cells.
Freshly made and delivered straight to your door, you are consuming super-fresh "living" juices and smoothies. Our juice range includes: Rejuvenate, Vitalize, Elevate, Green Machine, Almond Blitz and Daily Grind.
Not heat treated, not pasteurised and no nasty additives, Juice Syndicate make just raw superfood juices and smoothies, and we make them so that they can be consumed the way nature intended: pure, natural and super fresh.
Shop online, have your juice-cleanse program delivered to you and start feeling the difference.
Whether a quick two-day juice cleanse, a longer four-day cleanse, or a five-day cleanse, you have a program to choose from that will suit your individual needs and goals.


On March 29, 2012, Michigan's Governor approved legislation passed by the state's house and senate and known as the Nonrecourse Mortgage Loan Act, which takes effect immediately.
Prohibit a post closing solvency covenant from being used as a nonrecourse carveout or as a basis for any claim against a borrower, guarantor, or other surety on a nonrecourse loan.
Specify that a noncompliant provision in loan documents would be invalid.
Specify that the Act would not prohibit a loan secured by a mortgage from being fully recourse to the borrower or guarantor, if the loan documents did not contain nonrecourse provisions.
Provide that the lender will not enforce the liability or obligation of the borrower by an action or proceeding in which a money judgment is sought against the borrower.
Provide that any judgment in any action or proceeding on the loan is enforceable against the borrower only to the extent of the borrower's interest in the mortgaged property and other collateral security given for the loan.
Provide that the lender will not seek a deficiency judgment against the borrower.
Provide that there is no recourse against the borrower personally for the loan.
Include any combination of those provisions or any other provisions to the effect that the loan is without personal liability to the borrower beyond the borrower's interest in the mortgaged property and other collateral security given for the loan.
"Nonrecourse carveout" would mean a specific exception, if any, to the nonrecourse provisions set forth in the loan documents for a nonrecourse loan that has the effect of creating personal liability of the borrower or a guarantor or other surety of the loan for all or some amounts owed to the lender, if specified events occur.
"Post closing solvency covenant" would mean any provision of the loan documents for a nonrecourse loan, that relates solely to the solvency of the borrower, including a provision requiring the borrower to maintain adequate capital or have the ability to pay its debts, with respect to any period of time after the date the loan is initially funded. The term would not include a covenant not to file a voluntary bankruptcy or other voluntary insolvency proceeding or not to collude in an involuntary proceeding.
Click here to access a copy of the Act.
Wonderful blog & good post.i did get lots of good points from here.thanks for sharing.
I think Michigan did a wise decision of pushing through with this act. It's seems really beneficial.
I would agree with the comments above, Michigan made a wise decision in passing this act. It would be helpful to the people on finding a mortgage leads.
Hopefully new jersey governer will do some amendment in Nonrecourse loan act.


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Bits & Pieces: Stephanie Jenks Cross-Trains
July 26, 2014 July 9, 2014 by runbei
Not long ago, I scribbled about the surprisingly high proportion of elite young triathletes who've been successful when they switched to running. Think Lukas Verzbicas, Jordan Hasay (in her high school years), Alexa Efraimson, Elise, Cranny, and Sarah Baxter.
We can now add Stephanie Jenks. At the USATF Junior Championships, Jenks trailed Mary Cain throughout the 3000-meter race.
Stephanie Jenks (Click to enlarge. Photo: Des Moines Register)
Cain had no competition – she was miles better than the other athletes in the field. For Mary, it was a pleasant, comfortably hard workout. But whereas Cain is a world-class pro with Nike OTC, Stephanie Jenks is a high school sophomore.
And, guess what, Jenks is an active triathlete. Counting her running, cycling, and swimming, she trains 18 times a week. Swimming and cycling allow her to develop her aerobic and leg strength without stressing her entire body, as running would.
Cain easily won the 3000. None of the other under-19 track superstars could match her pace except high school sophomore Stephanie Jenks.
Is the running world discovering that cross-training is an efficient way to improve? Mark Bloom, the excellent Runner's World high school running columnist, reveals that the girls on the track team at Pennsylvania's Unionville High cross-train all the time. They've emerged as a national power, although they run half the mileage of many other teams.
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Smile Dental Orthodontic & Implant Clinic is a Dental Clinic in Koramangala 6 block, Bangalore. The clinic is visited by doctors like Dr. Sajan Subbaiah, Dr. Pramod and Dr. Kishan Paniker.
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My root canal treatment was treated gracefully, explained the issue and the treatment.He was cordial and professional.