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Captivating Finance
Tyler Crowe joins Gaby for the Finance show to talk about how captive finance companies fit into the role of an industrial manufacturer and the challenges they can present for a company.
Tyler Crowe and Gaby Lapera
(TMFDirtyBird)
If you've ever bought a car, especially a new one, you're familiar with captive finance -- financing available from the company you're buying from.
On this week's Industry Focus: Financials, Gaby Lapera and special guest Tyler Crowe lay down the basics of how and why companies have captive finance. Also, what a SIFI designation means and why it's not the most sought-after title, and one thing to check out before going in to buy a new car.
A full transcript follows the video.
This podcast was recorded on Feb. 8, 2016.
Gaby Lapera: Captive finance, the second most interesting topic after the Super Bowl.
Hello, everyone! Welcome to Industry Focus, Financials. I'm Gaby Lapera here in the studio with Tyler Crowe! I'm so excited to have...
Tyler Crowe: Little bit of a change-up for this week.
Lapera: I know. Not that I don't miss you, Maxfield, don't get me wrong, but I'm so excited to actually have a person with me in the studio. Tyler Crowe, if you don't know, just in case you don't listen to our energy podcast, is one of The Motley Fool's best energy and industrials analysts.
Crowe: She's overstating things very, very much. But I'll take it anyways.
Lapera: (laughs) Well, thank you for joining us. And I wasn't kidding, we're actually going to talk a little about the Super Bowl today. There's this guy Robert Stovall. He's an analyst on Wall Street, and he came up with this thing called the Super Bowl Predictor. I'm going to let Tyler talk about it, because I made six mistakes when I was attempting to describe this to him. He was like, "Those teams don't exist anymore. I don't know what you're talking about." So, I'll hand it off to you.
Crowe: So, there is a weird predictor of the Super Bowl that basically says if a team from the NFC wins, we're going to have an up Wall Street year -- the market's going to end up. And when an AFC team wins, we're going to have a down market. Last year, as we know, Patriots won, and the market was down 2.2%. The crazy thing about it is, over the last 49 Super Bowls, 40 of them have been right. That's better than most Wall Street analysts, which is, you know, pretty impressive. So, now that the Denver Broncos have won, there is, some are saying, predicting, that we're going to have a down market again. And so far, this year, we haven't exactly gotten off to a great start.
Lapera: Gosh darn it, one of the Manning brothers.
Crowe: So, we'll see how it goes.
Lapera: Peyton?
Crowe: She's trying really hard to talk about football right now, and it's not going great for her. But we're going to make it work anyways.
Lapera: Anyways! Now that the super-interesting, accessible part of our show is over, now we're going to talk about captive finance, something that you never thought you wanted to know about, but now you are going to, if you listen to the rest of this podcast.
Captive finance, you've probably encountered this before and haven't realized it. It's basically when you get financing to buy something from the company that you're buying the product from. You mostly see this with car dealerships. So, if you've ever bought a car, say, from Ford, you have the option of going to your bank and getting a loan or Ford will provide you financing to buy their vehicle. Most of the time, companies do this to remove a friction point.
So, you've got a car, you're in the dealership, and you're like, "Oh wait, I have to go call my bank to see if I can get a loan." And the sales agents are like, "No, no, but we can provide financing for you instead!" That works out great, for them anyways. You're much more likely to buy then. So, the other things you can do instead of captive finance and going to a loan is you can go to a random finance company. So, that's a finance company that is not a bank, a non-banking finance company is the official designation for these things, and it's literally anything from a pawn shop to Lending Club or...
Crowe: What, you've never bought a car from the pawn shop?
Lapera: You could buy a car from a pawn shop.
Crowe: You haven't lived until you've bought a car from a pawn shop.
Lapera: It's basically anything that can't take deposits, but can give loans. That's what a finance company is. And then, your other option, of course, is "Buy here, pay here." Tyler, do you want to do your impression of these commercials?
Crowe: So, basically, you've probably heard them on the radio. It's "When you come on down to Randy's Auto Emporium, bad credit, no credit, no problem!" If you've ever heard that statement, that is a "Buy here, pay here" kind of establishment.
Lapera: Right, that is the dealer giving you financing directly through that dealership, not through corporate or anything. Captive finance is through corporate, and the captive finance company is the company that is wholly owned by a parent company. And it can be for anything, but we're obviously going to be talking about captive finance companies, because this is the financials edition. Shocking!
I think the best-known industrial examples, like I said, are probably auto makers. The biggest captive financiers are Ford and Toyota. They, I think, originated the most loans for new cars out of anything. This is including banks like Wells Fargo and stuff. They originate the most loans for new cars, which is crazy.
Crowe: Yeah, and one of the interesting things about it, and if we look back a couple years ago, thinking like, pre-recession times, these things were massive, massive financing arms. If you look at somebody like General Motors, when they had GMAC, just before they spun it off into Ally (NYSE:ALLY). Is it Ally Bank or Ally Financial? I'm not as good with financial names on things like that. But I digress. Either way, if you actually look at the pre-recession numbers for General Motors' financial arm, the revenue from it was greater than the actual cars themselves, because it had become such a large component of the business. When you're talking about these financial arms, they can be a considerable, considerable component of these businesses.
Lapera: Definitely. And, of course, you're probably asking yourself, "What about the used-car market? That probably doesn't go through dealerships in the same way." And you're right, but these captive arms for these dealers, they're making mostly loans for new cars. So, the amounts that they're lending out are higher. And, they also tend to be lending to people -- people who are buying new cars tend to have higher credit scores than the people who are buying used cars. I think the average in 2015 for someone buying a new car, their credit score was 710, which is technically prime.
Crowe: Technically.
Lapera: (laughs) Technically prime. And the average for someone who is buying a used car is only 650.
Crowe: And if we look at the trends, you can actually see that that's starting to trend back down again, which isn't exactly the most encouraging sign, if you look at the numbers from 2010 on the way down. If anyone is at all interested in the captive finance market of industrial companies, especially in the automotive sector, great market research is the Experian Automotive Finance Market. They give all the credit statistics when it comes to stuff like this. And the average credit score in 2010 for a new car financing was 733. By 2015, it's dropped down to 710. So, not exactly the most encouraging sign, as we come out of a recession. But hey, sometimes you get a little more ambitious as the times get good.
Lapera: Right. And obviously the problem with this, for our less experienced listeners, is that people with lower credit scores are more likely to default. That's what the credit score is telling people. So, when those credit scores go down, it's concerning for people who are actually holding the loans, which, in this case, would be the actual corporations.
Crowe: Yeah, when you're looking at the financial arm, if you're looking at a business in this sort of realm, the captive finance aspect of a business, obviously the risk of default is probably the first thing you think about. If we look at what happened with GE Capital, with the issues they had at GM with Ally Bank, the first thing that everybody points to is the risk of default, what are the chances of it actually defaulting on their loans and causing issues?
But, if you're looking at it from a business, there's other things that certainly, if you're looking to invest in one of these companies, like a GM, Toyota, or even some of the industrial ones, like, say, a John Deere (NYSE:DE), GE (NYSE:GE), you have to look at some of the other components. And I think one of those things you actually have to think about is artificial inventory build. It sounds really weird. We're talking about some fascinating stuff here today.
Lapera: (laughs)
Crowe: But...
Lapera: I'm sorry that we're not as exciting as commodities markets, Tyler (laughs).
Crowe: It can be! Because, you know, we're tying in commodities on this one. So, let's use a great example, John Deere, right now. Since 2012, sales at Deere have been slumping. Actual sales, straight-up sales of something where they take the cash, wipe their hands, and say, "Go have fun with your new equipment."
Lapera: Can I ask you something really quick?
Crowe: Sure.
Lapera: Do they make anything other than tractors?
Crowe: Oh, yeah.
Lapera: Is tractors their thing?
Crowe: Any agricultural equipment aside from tractors, you're also getting into some of the heavy construction equipment, excavators, things like that. So, there's a pretty large component of John Deere that is agriculture, but they do have some construction stuff. And that's actually why things have been getting kind of funky. Agricultural sales have been slumping for the last few years, and then you throw on the commodities bust we've had over the past while for iron ore and a lot of other commodities, it's been five years; and you throw in energy over the past 18 months, and nobody is liking what's going on.
So, with somebody like Deere, while their sales have gone down, their operational leases, where they actually lease out their equipment through their financing arm to farmers or whoever, that has grown a very large amount. But what that leads to is, once the lease expired, John Deere is left with a whole bunch of used equipment. Then, they have to sell it, because there's no point in having an inventory of used equipment. Once you get that inventory build, you have to drop prices, and then your margins start to go down. So, it's that interesting play on, how does the financing arm of the business really play into how that actually works for them?
Lapera: Yeah, and that's really interesting, because I also remember seeing that the number of car leases as well has been going up over the last few years as well. Which is actually a question we get in personal finance all the time, which is, "Should I buy or lease my car?" We're not going to get into that, but that question you ask yourselves is also something that the corporation is asking itself.
Crowe: Yeah, at least with somebody on a lease end, they want to sell you the car, because when it's done, they want to wipe their hands of it. They don't want to have a used car in inventory, because it's a drag on margins. But so when times like this happen, you do have to have that financing arm to, like you were saying earlier, grease the skids, remove that friction point from the sale.
I do remember, because you were talking about the financing arm of it, I was in a dealership three or four years ago, when I bought my car. That was the first thing that came to mind, how before you go, it's always the "Check in with banks, check what you can get," and then you get there and they're like, "Oh, we have the financing right here and ready and waiting for you, in 30 seconds we're going to check your credit and tell you what you can get." And it keeps you in the door and it makes the signing on the bottom line a heck of a lot faster. And when you're trying to make a large purchase like that, it helps a lot when it comes to making the sale at the end of the day.
Lapera: Yeah. It incentivizes them. It's all staying in-house, which they like. I bought a new car a couple years ago, too. I did the same thing, I did in-house financing. I love my car. It snowed a lot here, and my car has four-wheel drive, and I've never had a car with four-wheel drive before, and I still drive really carefully because I'm terrified of the snow because technically I grew up in the South ... (laughs) Tyler's laughing, because he grew up in New England, and he's, like, "Ugh, snow, what's that?"
Crowe: What's that? We can figure that out pretty quickly. So, I do want to ask you, thinking of the risk of default, I'm more on the industrial side, so I don't understand that as much. If you could maybe give some details, at least for me, say, only industrials person and I don't know anything about the risk of default, what are maybe some of the things that I should be watching for in a captive finance business that has that? If I'm looking through an income statement or balance sheet?
Lapera: So, what you're going to want to look for is net charge-offs. Those are basically saying how much the company has had to charge off on loans that are delinquent, that just aren't going to be fulfilled. If you see a trend of those rising bad news bears. (laughs) And typically, if companies really know what they're doing, it's not going to get much above 1%. Most have it below that. During the financial crisis, it went nuts. It got up to 4%. I mean, you remember the financial crisis. It was bad times. (laughs)
Crowe: It was not a good time.
Lapera: So, really, you're looking at that, and once it starts getting past that 1% mark, you're, like, "I don't know... " The other thing that you want to look for is the loan reserves. Companies budget a certain amount of their profits, saying, like, "We know that some people are going to default on their loans. That's just a fact of life." And some companies have more or less of a buffer in order to pay off those loans. Ideally, you'd want a company with a conservative buffer. This is actually something we've seen with banks with a lot of oil exposure, a lot of them are raising their reserves in response to this, because a lot of the people they've given loans to are going to default, especially if you're a small...
Crowe: And, trust me, there are a lot of people that are going on default right about now.
Lapera: Yeah. (laughs)
Crowe: You can see why it's happening.
Lapera: Yeah. So, those are really the two things you're going to want to look for in terms of worrying about defaults. And companies are required to give you this data. It's going to be in their 10-Q. One of the things that was actually really interesting in that Experian auto loan finance market thing we looked at was, it showed us a map of the U.S. and how likely a state was to default on its auto loans. And it was, like, the entire South was red, and the Northwest Pacific was green, which meant it was good, really low, below 0.5% or something.
Crowe: It certainly has changed over time. I think we went back and looked at the past five years, and 2010, 2009, it wasn't looking is great. But things are looking a little bit better as of late. Almost across the world.
Lapera: The entire country, I think, in 2010 was like...
Crowe: Defaulting at a pretty high rate.
Lapera: Yeah, it was various shades of red. It wasn't good (laughs). So, yeah. The other thing that we want to talk about is, lots of companies have captive finance arms. It's not just cars. One of the most well-known ones would be GE, which is General Electric, in case you don't know (laughs). Obviously, they sell a lot of stuff, in terms of consumer goods, like washing machines and stuff like that. Although, they have recently sold off their appliances.
Crowe: Yeah, so, aside from light bulbs, I think, might be their last real consumer-facing product that they've been doing as of late. But you can almost name anything on the industrial side of things, and GE probably has their fingers in it somewhere.
Lapera: Yeah. Airplanes, healthcare...
Crowe: Oil and gas.
Lapera: All sorts of things.
Crowe: All across the board.
Lapera: Anyways, back in 2013, GE got designated as a SIFI, which is a systematically important financial institution, which I think Tyler says as sci-fi, which I like.
Crowe: Well, I'm not a finance person, so I just assumed it was sci-fi.
Lapera: I actually don't know which one is right. I've never heard anyone else say it besides me and Maxfield.
Crowe: OK.
Lapera: So maybe you're right and I've just been saying it wrong.
Crowe: We'll find out.
Lapera: I'm sure someone will write in and tell us which one of us is right (laughs).
So, GE was labelled as a SIFI in 2013. And that's a huge hassle. If you're not a bank... and it's already a huge hassle for banks... it's a huge hassle, because it comes with a lot of expensive regulatory requirements. You're required to have all of these capital bases, and you have to do all these stress tests, which aren't cheap to do. And it means that a lot of your capital is tied up in just-in-case financing. Just in case you go belly up, you can't, because you have all this capital saved up so you can't. Which means, for a company that's trying to innovate or do other things, that isn't a bank, it's a problem, because banks have to have that money. They have deposits and stuff anyway. It's not a big deal for them. It's part of their business model. But for GE, it doesn't really make a ton of sense.
Crowe: Well, if you look at the history of GE, GE Capital, more specifically, you can almost see why this happened. Let's start pre-financial crisis. GE Capital had just become a massive, massive component of the entire business. If you look at 2007, their total net income, their financial or capital markets aspect of the business was anywhere between 40% to 50% of their entire business. And this is somebody who makes almost everything.
So, when you had that, and even CEO Jeff Immelt has said this over time is, they got caught up in the numbers of profit on the capital end and didn't really focus on who they were as an industrial manufacturer. And I mean, if you look at some of the things that were on the GE Capital balance sheet at the time, they were doing private-label credit cards for Amazon.com, Walmart, Gap, companies like that.
And just, taking on a lot more of a role of a bank or financing company, just for the simple fact that the returns where there, rather than maybe using their captive finance aspect of their business purely for their industrial operations or whatever they're selling for. So, when the collapse happened, they had to get a $3 billion preferred share TARP-esque buyout from Warren Buffett, who gave them a little bit of approval there, it made them look in the mirror and say, "Oh, wow, we really should get out of this capital business and focus on what we do well as an industrial manufacturer." So, we've seen the results of that, where they've spun off Synchrony Financial (NYSE:SYF), they've sold, what is it, $30 billion worth of assets to Wells Fargo? You're a little better with the numbers.
Lapera: Yes, $30 billion worth of commercial lending leasing to Wells Fargo.
Crowe: So, on top of that, and I believe it somewhere in the $150-160 billion range, in terms of assets they've been selling or deleveraging from GE Capital.
Lapera: Right. So, about $115 billion asset management business. They're in talks with State Street (NYSE:STT), which is already a SIFI, to sell it to them. And that is relevant as of, I believe, Friday or Thursday of last week, which would have been Feb. 4, just in case you're listening to this in July of 2017. (laughs) So, it's a great deal for State Street. But it does make a lot of sense for GE. They're getting rid of a very expensive part of their business for them. If you look at a little chart that says what made GE the most money in 2001, it was hands-down GE Capital. Now, it's somewhere like 5th on the list, it's not making them nearly as much money as it used to.
Crowe: And for good reason. On top of the SIFI, however we want to call it, designation, what it also does for somebody like an industrial manufacturer like GE, it limits some of the shareholder things you can do, or shareholder return things like buybacks, dividend raises, things like that, that, as you're an investor in the industrial space, those are the things you're probably going to be looking for a little bit more aggressively than, say, in the financial realm. So, with that designation, they're being held back from a lot of things.
Lapera: The reason for that is because, like I said, there's capital requirements for these companies. They have to pass these tests, and the federal government will basically tell them whether or not they're allowed to give out dividends. And the federal government had said no to them in the past.
Crowe: So far, federal government has said no to GE in that realm for the most part. The interesting thing now is, since it's sold of such a large component of its GE Capital, it's to the point where it maybe shouldn't necessarily be considered a systematically important financial institution anymore.
Lapera: And they did this on purpose. They straight up said first quarter.
Crowe: "We want to get rid of this."
Lapera: "First quarter of 2016, we are going to apply to lose our SIFI designation. We don't want it, we're going to do as best we can to sell off everything we have."
Crowe: Yeah, and as a part of that, they basically told shareholders what they get out of it. They're going to get $35 billion in stock buybacks, another $35 billion, potentially, in dividends. So, they're really trying to throw some large numbers out there to the shareholders, and give them to the incentive, "Hey, we need to get rid of this, this is why." And hopefully the federal government will drop that systematically important designation soon enough, because for GE to really unleash their capital, all that reserves built up, not just in terms of returning to shareholders but even toward reinvestment in the actual business itself, it really needs to happen. So, hopefully, this will be a lesson to GE and many others that, you know, it's nice to have a financing arm, but it shouldn't be the biggest component of your business if you're a manufacturer.
Lapera: Right. Soon, we won't be able to talk about them on Industry Focus: Financials at all.
Crowe: Well, let's hope not. That's at least my opinion. I know everybody has their own investing opinions and things like that, but I like to think of a captive financing arm of an industrial manufacturer or any big thing like that, it should never be talked about, at least in my opinion. If I'm listening to a quarterly earnings call or looking at some of the financial statements, it should almost feel like an after-statement. It's something there to smooth the skids when we're trying to make some sales happen, maybe it'll generate a modest return on it...
Lapera: You definitely don't want to see a loss on it.
Crowe: Well, granted. But, I don't want to see that the dominant component of the business in any way, because it really, as we've seen over these past six, seven, eight years of that transformation of GM, GE, people like that, that when it becomes such a large component of the business, it distracts from what a company does well. GE, by most rights, probably didn't need to be into the private credit card business, they just got enamored with it. And now that it's not there, hopefully they can focus on what they do best.
Lapera: Right. And that, just in case you're curious, that private-label credit card business got spun off with Synchrony back in October of 2015...
Crowe: 2014.
Lapera: Oh, 2014. So, it's been gone for a while.
Crowe: All for the better.
Lapera: All for the better. Just in case you're wondering, by the way, why Tyler Crowe is on the show with me today (laughs), this week, we've come up with a number...
Crowe: Industry Mashup.
Lapera: Industry Mashup. The Venn diagram week. I don't know. One of us is going to appear on someone else's show all week. So, tomorrow, I'll be on Consumer Goods. Get excited. I have no idea what we're talking about yet (laughs).
Crowe: Actually, Taylor Muckerman was supposed to be in here. He's the other Industrials analyst with us. Unfortunately, he's a very large Carolina Panthers fan.
Lapera: (laughs) No!
Crowe: And he is nowhere to be seen. So, hopefully, we can find him someday.
Lapera: Aw. If you're out there, Taylor, feel better! (laughs) So, yeah, thank you guys so much for joining us on Industry Focus. As always, people on this program may have interests in the stocks they talk about, and The Motley Fool may have formal recommendations for or against those stocks, so don't buy or sell anything based solely on what you hear. Thanks for joining us, hope you have a great week, and don't forget to email us about your opinions on how SIFI is pronounced. Email is IndustryFocus@Fool.com. Thanks very much!
Energy, Materials, Transportation, and Industrial stocks commentary. Follow @TylerCroweFool
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I've got a quick, easy, super healthy and flavorful meal to share with you this week!
A lot of people tell me that they wish they ate more fish but they just don't know how to prepare it or what kinds to look for. Fish seems to be the most intimidating protein in the kitchen but it shouldn't be. It's not any harder to prepare than chicken and it can be a lot more nutritious! In past posts, we've talked about what to look for when buying fish, what type and how to prepare salmon (even if you're not a fan–yet!), and whether or not tilapia is a healthy choice. I've also shared some great recipes for steelhead trout, fish tacos and more.
This week, we're talking halibut. Halibut is a lean, firm and flaky white fish with a mild texture. Wild-caught Pacific halibut is considered Certified Sustainable Seafood. Halibut can easily dry out because of it's super low fat content. Cooking it in foil packets like for I did for this recipe helps to lock the moisture in.
Toast the cashews in a medium sized pan on medium heat. Continue to toss until well toasted. Remove from the pan and set aside.
Add the olive oil to the pan and heat through. Add the garlic cloves and sautee for 1-2 minutes.
Add kale in small batches (will cook down) and add the cashews back in once all kale is wilted. Remove from heat.
For the halibut, first make sure it is completely thawed if previously frozen. Rinse with water and pat dry with paper towels. Cut into 4 ounce portions and preheat the oven to 375 degrees.
Lay out aluminum foil and spray with olive oil. Lay fish on top of sprayed foil and season as desired. Flip the fish and season the opposite site. Top with garlic cloves. You could also use any citrus fruit. Fold the foil to enclose the fish and create a packet.
Bake for 12-15 minutes on 375 degrees. Fish is done when easily flakes with a fork.
Serve over a bed of garlicky kale and cashews.


Last night we had dinner with a family from Lighthouse Church.
His name is Maurisson (I didn't catch his wife's name). They have four children together (Irene, Alan, Doreen and Andy).
The cat Chris named Christiano Rinaldo...before this, it had no name.
Chris said, "Get a picture of me and my friends...oh, and my Fanta"
They live on the compound of the school where Maurisson is both a student and an employee. So, when we arrived, we were given a brief tour and then taken to his home for dinner.
We had chapati (of course!), chicken (cuckoo), greens (sukama wiki), rice (mchele), and soup. It was delicious. While we ate, we watched a video of a Christian Kenyan artist. The music videos were shot poolside and on the beach in Nairobi and Mombasa, respectively.
Then Chris brought back his robot impression which even made Maurisson and his wife laugh.
The best part was Chris asking, "Do you have robots in Kitale?"
He had thought Chris had said robbers...but it was a great laugh for us!
and Alan brought out the Star Wars! So we finished the evening with the first 45 minutes of Star Wars Episode II.
It was a great, relaxing evening of fun and laughter...we are excited to continue to spend time with Maurisson and family!


Sony It announced today a new development in the field of sensors designed especially for mobile phones. Hold on because in the not-too-distant future, we will see phones, expected from Sony, with a sensor type CMOS and resolution of 12 megapixel.
Really Sony has presented three new sensors, all of them CMOS, with 5, 8 and 12-megapixel resolution. Although the latter is the most spectacular, the other two are also very interesting.
In addition to resolution, Sony has worked particularly on the response time of the set, so definitely we can forget those infernal delays when you click to make a photo with a mobile phone and when the photo is actually taken, the reason is not already there.


Jim Acosta of the Communist News Network should never be allowed back in the White House.
CNN's Chief White House Correspondent Jim Acosta's press pass to access the White House was suspended "until further notice" Wednesday, hours after he engaged in a contentious back-and-forth with President Trump.
The CNN reporter, during a news conference at the White House earlier Wednesday, got into a heated debate with Trump after he asked the president about the migrant caravan. Trump told Acosta to let him do his job.
Acosta continued to try to talk as the intern was seen trying to take the microphone from his hand. She grabbed the microphone but Acosta wouldn't give it up and there was brief contact between the two.
"Contrary to CNN's assertions, there is no greater demonstration of the President's support for a free press than the event he held today. Only they would attack the President for not being supportive of a free press in the midst of him taking 68 questions from 35 different reporters over the course of an hour and a half — including several from the reporter in question," Sanders said.
"The fact that CNN is proud of the way their employee behaved is not only disgusting, it is an example of their outrageous disregard for everyone, including young women, who work in this Administration," she added.
CNN said Wednesday night that Acosta's suspension "was done in retaliation for his challenging questions at today's press conference" and claimed Sanders "lied" in her explanation of what unraveled.
CNN fired back on Twitter, calling Trump's attacks on the media "un-American," and fellow White House reporters backed Acosta.
Acosta posted a video to Twitter after his "hard pass" was suspended, showing a Secret Service agent removing his media credentials to access the White House grounds from a lanyard.
The agent appears to have some trouble removing it.
"It's been here for a while, huh?" the agent asks.
"Well yeah I've been working at the White House for five years, covering two administrations, so yeah, it's been in that thing for a while," Acosta says.


This two-story craftsman home is graced with a spacious front porch that's perfect for enjoying a quiet evening on the swing. As you enter, you'll notice graceful arches to your left that introduce you to the formal dining room. The kitchen, nook and great room all flow effortlessly together to create a living area that flooded with natural light from the large great room windows. A walk-in pantry, main floor laundry and corner fireplace in the great room all make this home appealing to a large audience. Upstairs youпїЅll find the master suite with step ceilings, a spacious walk-in closet and its own bath. Two additional bedrooms share access to the hall bath. Finally, the two-stall garage with extra storage room for bikes makes this the perfect family home.


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Skills Shortage Drives Ve Out of The UK
UK-founded ecommerce conversion company Ve has been forced to expand outside of the UK due to a skills shortage in the country. The company has opened a major new office in Madrid and an engineering hub in Bilbao due to the shortage of highly-skilled developers in London. The Madrid office will employ 25 people and 60 […]
UK-founded ecommerce conversion company Ve has been forced to expand outside of the UK due to a skills shortage in the country.
The company has opened a major new office in Madrid and an engineering hub in Bilbao due to the shortage of highly-skilled developers in London. The Madrid office will employ 25 people and 60 developers will be hired in Bilbao by March, with more than 200 applications for each position in Bilbao been received since the decision to move was made.
With the digital economy growing exponentially over the past decade in the UK, the IT skills shortage has become notably acute. The Chartered Institute for IT noted the tendency for British firms to outsource developer roles some time ago and has called on changes to be made to plug this gap and avoid the UK falling behind other economies that have been more adaptive to change.
However, as the economy picks up and recruitment soars in information technology industries, the skills gap is becoming increasingly notable. Ve's move to Spain follows the opening of an office in Tokyo and the acquisition of digital advertising agency GDM Digital and data science company qunb in November. The Bilbao engineering hub will initially work on integrating ecommerce platforms into Ve's suite of apps.
David J. Brown, CEO and co-Founder of Ve, said: "We decided to open a new office in Madrid due to the high demand from online retailers for technology that helps to maximise customer conversions. Online retailing is a fast-growing sector in Spain, despite wider economic difficulties.
"The move into Bilbao is a reflection of both the huge pool of talent in the area and the relative skills shortage in London. Our initial thought was to open a development centre in London, however, there simply aren't enough skilled staff currently available to fill the roles we needed quickly. The problem is that universities aren't producing enough relevantly skilled students to meet the demand of the UK's tech sector and a great deal of talent is being drained by the financial sector."
Labour pledges to abolish prescription charges in England
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The Official Secrets Act politically sanctioned child abuse. Help me stop this
Driver jailed after own car's dashcam recorded him selling drugs
Secret Teacher – Holidays are nearly here
Weather forecast, alerts and UVB index for London, Wednesday 18 November 2020

redpajama_set_name: RedPajamaCommonCrawl


text:
Promising VR Adventure Game Zed Releases Next Month
Zed, a long in-development VR title and, curiously, one of the first games to be published by Myst developer, Cyan, is releasing in the very near future.
Cyan recently confirmed the game will arrive on Steam on 4 June. For those not keeping count, that's just a little more than a month away.
Zed is a curious little game, first funded via Kickstarter back in 2016. It's a puzzle game in which players embody an artist that suffers from dementia. You explore past memories via dreams, attempting to piece back together cherished images and moments. Though it's not developed by Cyan directly, it very much looks like a game made in its spirit
Back in February, we reported that the game had been picked up by Cyan and it would now support VR. Cyan of course has its own history with VR, having released gorgeous adventure game, Obduction, a few years back. Earlier this year it passed its own Kickstarter campaign for another VR game, Firmament.
We went hands-on with Zed last month. It's shaping up nicely. "The puzzle solving and gameplay isn't too complex, but the narrative, art design, and feel of the game are all incredible," we said. "It's not easy to take a subject matter like dementia and make it into something that people want to explore, but ZED seems to do just that."
Let's hope it follows through this June. Zed will support the Oculus Rift and HTC Vive. Fingers crossed PSVR and Quest versions are also on the cards.
Promising VR Adventure Unknown Fate Is Out Next Month
There's one more game to add to our list of big fall releases. Marslit Games'…
Attention UK VR Devs: VRFocus VR Game Jam Set For Next Month
Here at UploadVR we love to see creativity thrive in the virtual reality development scene.…
Ultrawings Developer Teases Next VR Game
VR flight game Ultrawings has built up a solid fanbase since its initial launch over…
Jamie has been covering the VR industry since 2014 having come from a gaming and technology background. While he loves games, he's most interested in experiential VR that explores narrative, human connection and other such themes. He's also the host of Upload's VR Showcases, which you should definitely watch.


text:
Pottstown's Mueller, Pottsgrove's Hampton…
Pottstown's Mueller, Pottsgrove's Hampton qualify for U.S. Olympic marathon trials
Pottstown native and Hill School graduate Tyler Mueller, who ran at Lehigh, recently qualified for the U.S. Olympic marathon trials after finishing 11th at USA Track and Field Half Marathon National Championships in Houston. (Submitted photo)
Pottsgrove graduate Jonas Hampton recently qualified for the U.S. Olympic marathon trials. (Submitted photo)
By The Mercury | pottsmerc@pottsmerc.com |
PUBLISHED: February 19, 2015 at 7:39 p.m. | UPDATED: September 24, 2021 at 3:20 a.m.
It seems totally insane for anybody to lace on the sneakers and go out to run 10 or 12 miles every day in these sub-zero temperatures. Especially in the freezing cold of Wisconsin and Connecticut.
But that is exactly what former local distance standouts Jonas Hampton, a Pottsgrove graduate, and Tyler Mueller, a Hill School grad and Pottstown native, are doing every day, either early in the morning before heading for their jobs, or at night after work.
"Because it's still fun," Hampton said, when reached in Connecticut, where he lives and works.
It's even colder in Madison, Wis., where Mueller resides.
"The weather is definitely a challenge and makes it harder to train," Mueller said from Wisconsin. "The wind chill is like negative 15 right now and I just got done with my run."
That was at about 7 p.m."It's definitely a challenge," Mueller said. "I used to think winters were bad in Pennsylvania and now when it's in the 20's here, I get excited to run. But I think it also makes me a little bit tougher."
What also keeps both going these days is that they are now chasing an Olympic dream.
In January, both Hampton and Mueller suddenly decided to run in the USA Track and Field Half Marathon National Championships in Houston, Texas, just for the fun of it.
Mueller finished an impressive 11th, out of hundreds of runners, with a 1:03.21, with Hampton not far behind in 30th with a 1:03.57, and both qualified for the 2016 USA Olympic marathon trials, next February in Los Angeles.
With Hampton a few years older, they were not really close, but were aware of each other back in those high school days. And there they were suddenly in Houston running in the same pack.
"I look over at one point of the race and there was Tyler," Hampton said. "He is a really, really nice kid and he ran a great race that day."
For Mueller, suddenly seeing Hampton there brought back high school memories of past City Championships that The Hill School used to host for many years on the Brookside Country Club course. Hampton won it his junior and senior year.
"I was so surprised to see Jonas out in Houston," Mueller said. "I got 10 miles into the race and I looked over to my side, and was like 'That's Jonas Hampton! I used to run cross country against him.' He was a couple years ahead of me and I still remember him winning that City Championship. He was my hero that year because I ran like a 20-minute (time) in that race and he was the Pottsgrove kid that just kicked everyone's butt."
Hampton was the Falcons' top cross country and distance runner before graduating from Pottsgrove in 2008. He went on to become even more of a distance standout at the University of Hartford.
Mueller was The Hill's top cross country and distance runner, graduating in 2011. He went on to make his mark at Lehigh University, winning the Patriot League Cross County Championships his senior season in 2013 and was named Patriot League Runner of the Year, the first Lehigh runner to ever accomplish the feat. He also placed eighth at regionals (10K in 29:52) to earn a bid to the NCAA Championships where he finished 67th to capture Lehigh's best-ever finish at nationals.
Neither had Olympic dreams when they were running along the streets of Pottstown and Lower Pottsgrove. But both just couldn't shake the urge to keep running once they were done with college and had entered the working world.
"It's just always a fun thing to do," Hampton said. "It gets you away from everything, keeps you occupied in a way other than just working constantly. I have a bunch of friends that still run, so it's fun to run with them when I can. Usually I end up running by myself, but during races, and occasionally on the weekends, I do have some friends from college that still live near."
Hampton graduated from Hartford University three years ago – he turned 26 in January – and now works as a civil engineer for the Connecticut Department of Transportation while still living in Hartford.
"I run every day after work, usually anywhere between 10 to 12 miles," he said. "And then a long run on Sunday."
As if those 12 miles weren't a long run to begin with.
Hampton's running career began by following in the footsteps of his father, Bernard Hampton, who was a standout distance runner at Phoenixville High School.
It continued at Pottsgrove under cross country and track and field coach Larry Rechtin, who was one of Hampton's first calls after he qualified for the Olympic trials. Because the Falcons program laid the foundation.
"Great coaching, a fantastic team," Hampton recalled. "Everyone got along really well, a nice dynamic between everybody working together. And it just stuck with me throughout college. So I like to think that's were everything started. … And I just kept moving forward from there."
When Mueller graduated from Lehigh with a degree in bioengineering this past spring, he moved on to Wisconsin to work for a health care software company.
"I help support the software that hospitals use to keep track of the patients," he said.
But a nagging memory of his senior track season at Lehigh kept hanging over him.
"It was going really well for me, but I broke my foot halfway into the season and had to miss the rest of the year," he said. "So I had to take a break from running for a while. I was pretty upset about that."
He got sidetracked over the summer with getting a job, and then moving halfway across the country.
"But after a few months I got the edge to try again," he said. "I had been improving every year (though high school and college) and just stopping now seemed like I'll never know how good I can get."
In Houston he even shocked himself with his high finish.
"It was a pretty big surprise," he said. "It was my first half marathon. I just figured it would be a good learning experience, didn't really put any pressure on myself. I just wanted to get out there and try it out. It was just sort of the next step for me.
"It's harder to find races now that I'm not in college anymore. I always did better in the longer distance races. I don't necessarily like the longer distances more, but they've been working out well for me."
And in Houston Mueller found out, the longer the better.
"By the middle of the race I realized I had sort of settled into a group that was 10th to 20th place or so, and felt pretty good," he said. "I was totally amazed by the finish."
But that full marathon will be yet another whole new experience for both Mueller and Hampton.
"Now I'll have to force myself to run a full marathon because I kind of trapped myself into doing the full marathon next year," Mueller said, laughing.
And from now until then, he'll be out there running, showing special commitment despite the challenges he may face with training.
"It has been tough. I usually get up at 5:30 in the morning to run before work, or at 6:30 after work. But by then it's already dark and running alone in the dark is kind of rough," he said. "But that type of training ended up working really well for me."
Training may be more difficult in Madison, but Mueller loves it there.
"It's an awesome city," he said. "It's a small city between two lakes, kind of in the middle of Wisconsin. When I drive to work at 7:30 in the morning during rush hour, there's never any traffic. The city never gets too crowded, everyone is really friendly."
He has no illusions about how tough it will be to make that USA Olympic marathon team next year.
"We'll see how it goes," Mueller said. "I think it's a lot harder to do well your first full marathon than your first half marathon. The full 26 miles is a lot different than 13 miles. I think that will be a little bit of a harder transition. But since it seems I do well in the longer distances, maybe I'll surprise myself again. As long as I can keep improving, I'll keep running, just to see where I can get."
Winter can't stop Mueller and Hampton, who will keep cranking out the miles even if the 2016 Olympic marathon trials are nearly a year away.
"Every runner's dream is always to make the Olympics," Hampton said. "Making the trials is just another step. We'll see what happens after that."
Either way, it would appear Mueller and Hampton won't be putting away the sneakers any time soon.
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Eagles Notebook: Graham staying, Brooks likely not … but what about Fletch?


text:
Q: It's taking almost 5 seconds for the data in my ng-repeat to redraw after I change the source I have a table on my page that is populated like this:
<tr data-ng-repeat="row in grid.view = (grid.data | filter:isProblemInRange )">

I have the following function:
$scope.gridReset = function () {
   $scope.grid.data = angular.copy($scope.grid.backup);
   $scope.gridForm.$setPristine();
};

The function replaces the data in $scope.grid.data with a backup.
When it runs the angular.copy seems to take no time to run but the data on the screen
takes about 5 seconds before I see it changing to the backup copy. Is there anything
I could do to speed this up?
Here's the function isProblemInRange:
$scope.isProblemInRange = function (row) {
   return (row.problemId >= $scope.pidLower || $scope.pidLower == null || $scope.pidLower == "") &&
           (row.problemId < $scope.pidUpper || $scope.pidUpper == null || $scope.pidUpper == "")
};

I have approximately 500 rows in the grid.data

A: 1. Does your data has to be bound only once for each change?

*

*ng-repeat sets a $watch for each item and within each $digest it dirty checks all registered $$watchers. If you have 2000+ of these $$watchers then your application will not be responsive (maybe until object.observe) and there is no way to fix it without reducing the amount of registered $$watchers.

*You must read @Misko Hevery's answer: How does data binding work in AngularJS?

*Check bindonce if it suites your requirements: https://github.com/Pasvaz/bindonce
2. If you have indexes then you can help ng-repeat.

*

*ng-repeat without track by removes all DOM elements every time your array/object is overridden just to recreate all DOM elements again. If you have 1000+ elements that is slowwwwww.

*angular.js 1.2 introduced track by syntax for ng-repeat to solve this issue.

*Check this article : Using Track By With ng-Repeat In Angular.js 1.2
3. If you must have a huge amount of dynamic bindings?

*

*You probably don't , use pagination whenever possible.

*If not , then you must write advanced stuff (like custom repeaters and dynamic DOM insertions)

*Check this article: angularjs-my-solution-to-the-ng-repeat-performance-problem

*and this also: angularjs-1200ms-to-35ms
what ng-repeat watches?
ng-repeat uses $scope.$watchCollection, from the docs:

$watchCollection(obj, listener)
Shallow watches the properties of an object and fires whenever any of the properties change (for arrays, this implies watching the array items; for object maps, this implies watching the properties). If a change is detected, the listener callback is fired.

That means if you have an array with 1000 objects ([1..1000]) then you end up with 1000 dirty checks with each $digest, one for each item(property).
ng-repeat and the DOM

*

*If you override the collection object itself (grid.data in the question above), all elements are removed from the DOM (unless you use track by) because by default, ng-reapet uses $$hashkeys for tracking changes. Those $$hashkeys are lost whenever the collection is replaced.

*If items are removed or added to the array without overriding it, then only these items are removed / added to the DOM.

redpajama_set_name: RedPajamaStackExchange


We are currently recruiting for an Administrator to support the marketing department within a professional educational establishment. This is a temporary to permanent position for the right candidate. This role is based on 22.5 per week working 43 weeks of the year. Our client is looking to recruit someone who will be able to raise the profile of the establishment with particular reference to current and prospective clientele and the local community. You will also be supporting, on behalf of the trust and their in-house enterprises and developing external use of the facilities.
The candidate does not have to come from a marketing background as training will be provided, however, this would be an advantage. This is a fantastic opportunity to work within a strong business community with all modern surroundings and excellent benefits included.


Visa and Mastercard both announced an important Oct. 1, 2015, deadline that provides powerful motivation for merchants to adopt the new systems. Starting October 1st, the financial liability for the cost of any payment card fraud shifts to the party within the transaction that did the least to prevent the fraud. That means if a card issuer offered chip technology, but a merchant couldn't accept it at point of sale, the merchant bears the financial responsibility if and when the consumer's card information is stolen at point of sale and used fraudulently.
According to a recent survey commissioned by Chase, 80% of consumers are concerned about the security of debit and credit card transactions, yet 65% have not heard of chip technology, highlighting the need for additional education to consumers. Among those surveyed who understand the purpose of chip technology, three in four (76%) believe it will help small businesses by preventing fraud.
Orcutt Insurance Group can help your Colorado business obtain Cyber Liability Insurance to protect your business from data breaches, credit card fraud and other covered perils. Please visit our Cyber Liability Insurance page for more information.
← Should you purchase rental car insurance?


I don't know if I've ever let you guys in on my love of Blues music. It's been a part of my life since childhood. To this day, whenever, I hear Elmore James playing, I'm immediately back at our first home in Michigan. My dad used to blast Dust My Broom on the record player. I didn't quite get the meaning of the song, but I knew the words. Our house was where everyone would regularly gather for spades or Bid Whist, and Blues was always blaring over the arguing and laughter over who reneged. FYI, reneging was the unforgivable sin, lol! Fun times!!!
As a youngster, I felt it comical to sing about the Blues. I believed that I had the Blues at the age of 6 whenever things didn't go my way.
It wasn't until I was a lot older and learned more about the history and origin of the Blues when it truly had an impact on me. My appreciation for the genre grew.
I happen to know quite a few Blues lovers and musicians, and I can wholeheartedly say that individuals within Blues community are some of the most welcoming and inclusive. It's always a good time amongst Blues lovers. Maybe you can relate to the energy and feeling gathered from Blues concerts and festivals! If there's a Blues festival or event, you'll find me in the midst of it singing and dancing along with a huge smile on my face!
This year was my first time attending Bluesfest Windsor held at the Riverfront in downtown Windsor, Ontario. My son's Blues/Rock band The Instinct was invited as a performing act this year for the Sunday of the fest. Last year this festival attracted over 28,000 attendees throughout the weekend and this year was set to break that record! I was looking forward to this 4-day festival. I always enjoy going to Windsor for visits, it's an easy 3 1/2 hour drive from Chicago. I've met some of the nicest people there.
The first show I caught was Sugarray Rayford; he also was the ambassador for the 4-day festival. If you ever have the opportunity to see his band, GO! I hope to see him at the Chicago Blues Festival; he brought the party! His vocals are fantastic, and he's seriously a joy to watch; so entertaining! A true pro at engaging the audience whom he had cracking up! That man has some serious dance moves too, he was gettin (yes, it's gettin not getting) down!!!!
He also happened to be staying at our hotel and is just as nice and approachable as he comes across on stage.
I was most looking forward to seeing Jonny Lang on Saturday night. I've seen him probably around 5-6 times, but never this close. My husband and I were front row! He's such an amazing guitar player and vocalist. The depth of feeling and emotion he plays with is moving. My friend Carol is probably his number one fan so as any great friend would do; I sent her video of how close I was to him as torture, LOL!
Eddie Money closed out Saturday night. He had lots of jokes during his set…I was amazed at how much he was moving and shaking while singing all of his hits. I've had 'Two Tickets to Paradise' playing over and over in my head ever since. His set gave the crowd great energy and enthusiasm. Everyone was just having fun.
All of that dancing and singing makes one hungry. I'd be remiss if I didn't mention the burger spot my son and I walked to from our hotel for midnight eats. When in Windsor stop at Simon's Prime Hamburgers, the burgers and fries were the bomb! I learned that all of their buns are handmade by Maple City Bakery without preservatives and the meat is local VG meat; hand packed and never frozen. I can't get over those fries too! Locally produced, fresh cut, and seasoned through and through! You can taste good quality. This spot is surely worth a visit and is on my list next trip!!!!
My son's band the Instinct was set to play 4 half-hour sets on Sunday in the Bluestown tent; they were on fire! I may be a bit biased, but they're a great band!!! I was able to catch all 4 sets.
The festival had a nice set-up. The area was vast but it was easy to get back and forth between the two stages so you wouldn't miss out on any of the bands.
I didn't want to miss out on Beth Hart who was set to play on Sunday. I hadn't heard of her before seeing the festival lineup. Once I read her bio, I was in avid anticipation; I'm now obsessed with her. I told my husband "This chick is BAD!" Wow, what a voice! I'm sad that it took me so long to discover this amazing artist!
Beth Hart closed out the Blues portion of the festival.
This year organizers tried something a little different. It's no secret that there's been a steady decline of the Blues and Sunday attendance at festivals are the lowest. The committee decided to draw larger Sunday crowds a with a 90's Flashback show.
It was brilliant! The Sunday portion was completely sold out as I guess there were 8,000 other people as excited as I was to see the show! We went back in time to our teenage days and grooved to C & C Music Factory, Naughty By Nature, Rob Base, Young MC, and Vanilla Ice. This portion was LIT! Words can't describe how fun that party was! Took us all way back! Not even a torrential downpour could curb the enthusiasm of the crowd! I can't remember the last time I yelled and danced like that! I hope they do a repeat of the 90's show next year! Maybe a few new Blues fans were made from the massive crowd who came out for the 90's flashback.
Well done Windsor, I can't wait for my next visit!
Girl…i knew u were trying to torture me….hahaha. Wish we could have gone with you. Love you.
Next PostCedar Point Amusement Park: Thrill Seekers Playground!


The City Council has prepared a special device before the yellow alert for heavy rains and storms activated by the State Meteorological Agency for tomorrow Saturday.
This special device is made up of different municipal services such as Local Police, Civil Protection, Fire, Traffic, Murcia Waters, Street Cleaning, Public Lighting and Parks and Gardens.
A total of 110 agents of the Local Police are alerted to activate the flood plan and act minimizing the possible effects if heavy rains occur.
In addition to the regular weekend service, there will be 80 agents to deal with possible incidents that could cause the rains from tomorrow, accounting for a total of 110 police officers.
The agents, depending on the experience in other episodes of rain, will establish different control points although they will pay special attention to Espinardo, Beniaján, Sangonera la Seca, Cabezo de Torres, Churra, La Alberca and Sangonera la Verde because these are the most affected when it rains.
To this, the 37 personnel envisaged in the Fire Guard personnel will be added.
They will also be part of this personal device of the services of Cleaning, Civil Protection, Parks and Gardens, Aguas de Murcia, Traffic and Industrial Services that will be added to the usual maintenance brigades if necessary.
What is intended with this plan is to intervene as quickly as possible and respond immediately to the requirements of the residents of the municipality to minimize the effects of possible heavy rains, establishing priority actions.
The Local Police will be in charge of coordinating the entire operative that has to act when a warning bulletin is received for adverse meteorological phenomenon from the State Meteorological Agency.
In addition, the Local Police deploy their troops in urban areas and districts to take the necessary measures to regulate and cut traffic, using fences and police tape.
Likewise, it is controlled that there are no incidents that endanger people and vehicles.
The Firemen are in charge, prioritizing the actions, of rescuing those people and drivers who are trapped in a flooded area, putting out fires in electrical lines, draining the water and draining flooded basins.
Civil Protection volunteers will form a checkpoint to collaborate with Local Police and Firemen in those situations that are necessary.
On the other hand, the Cleaning Services work in the elimination of water bags and puddles by means of vacuum machinery, placement of the displaced containers and cleaning of the drag caused by the rain.
The operators of the Park and Garden Service have already reviewed the large trees in those sensitive areas to anticipate possible falls of branches and cleaned the leaves and scuppers located in the gardens.
In addition, sand has been collected as an initial shock measure to avoid flooding in case of flooding.
Avoid currents of air, because these attract the rays, close doors and windows in case of storm.
Unplug electrical appliances to prevent them from being damaged by a power surge or causing electric shock.
The shelter of the buildings protects against the risk of discharges.
Stop in a place with sufficient visibility in both directions, leaving the fault or crossing lights on, if the virulence of the storm threatens safety.
In the event that a downpour catches you driving on the highway, do not drive through the sections that are flooded.
The force of the water can drag you when you float the vehicle.
Do not leave the vehicle.
Stay inside while the storm lasts with the windows closed.
Leave the high parts of mountains, hills, hills and hills.
Leave the low areas of the valleys and walk on the slopes.
Do not take refuge under lonely and tall trees.
One of the best places to take refuge is the vehicle with the windows closed and antennas lowered.
Cyclists must leave the bicycle and get away from it.
Do not touch metal objects.
Move away from metal structures, fences and electric poles.


text:
Nuclear Medicine, Oncology and Radiotherapy Institute (NORI)  is the 7th Cancer hospital and research centre; established by Pakistan Atomic Energy Commission (PAEC) in 1983 at Islamabad, adjacent to the Pakistan Institute of Medical Sciences (PIMS) to caterer Patients from Islamabad and adjoining areas. NORI is the first institute which has been recognized by College of Physicians and Surgeons of Pakistan (CPSP) for training of Fellows of College of Physicians and Surgeons (FCPS) in Nuclear Medicine and radiotherapy. Various research projects sponsored by the International Atomic Energy Agency (IAEA) and the World Health Organization (WHO), are underway in the NORI Cancer Hospital. The hospital is providing treatment facilities to about 40,000 patients from Islamabad, Hazara, Jhelum, Sargodha, Azad Kashmir, etc.

Units and departments
The Institute has the following department

Nuclear Medicine Department
Radiotherapy & Oncology Department
Medical Physics Department

Projects
The following projects are underway in the Institution. Some of them are  recently completed.

Study of relationship between gastroesophageal reflux, recurrent lower respiratory tract infection and bronchial asthma in infants and children.
To assess the diagnostic accuracy of Tc-99m MIBI Planar and SPECT in differentiating scarred tissues from recurrence of cancer after breast surgery.
Nuclear medicine and Radiotherapy support.
Thematic health programme.
Radiotherapy
Clinical application of radiosensitizers in cancer radiotherapy in Pakistan.
Randomized clinical trial of radiotherapy combined with Mitomycin-C.
Randomized Multi Center study of radiotherapy in the treatment of Squamous Cell Carcinoma of Head and Neck.
Incidence of hypercalcemia in solid malignancies.
Role of gemcitabine as radiation sensitizer.

See also
Nuclear medicine in Pakistan
List of Cancer Hospitals (Pakistan)

References

External links

Nuclear research institutes
Hospital buildings completed in 1983
Cancer hospitals in Pakistan
Hospitals in Islamabad

redpajama_set_name: RedPajamaWikipedia


text:
export { default as ArticleDetail } from './ArticleDetail'
export { default as Articles } from './Articles'
export { default as CategoryDetail } from './CategoryDetail'
export { default as Series } from './Series'
export { default as SeriesDetail } from './SeriesDetail'
export { default as TagDetail } from './TagDetail'

redpajama_set_name: RedPajamaGithub


text:
using System;
using System.Collections.Generic;
using System.Linq;
using System.Text;

namespace ArgusTV.DataContracts
{
    /// <summary>
    /// The possible reasons a live-stream was aborted.
    /// </summary>
    public enum LiveStreamAbortReason
    {
        /// <summary>
        /// Unknown reason.
        /// </summary>
        Unknown = 0,
        /// <summary>
        /// The live stream was aborted because the card was needed by an upcoming recording.
        /// </summary>
        RecordingStartedOnCard = 1
    }
}


text:
Haymarket ist ein Stadtteil von Edinburgh, der Hauptstadt von Schottland, und liegt am Westrand der Innenstadt.

Sehenswürdigkeiten
 Der Bahnhof Edinburgh Haymarket (gälisch: Margadh an Fheòir), offiziell und in allen Fahrplänen nur Haymarket genannt, ist ein Fern- und Regionalbahnhof, der zweitgrößte nach dem Hauptbahnhof, Waverley Station.
 Murrayfield Stadium
 The Edinburgh Conference Centre
 Water of Leith walkway/bikeway

Weblinks
 www.edinburghguide.com

Ort in Edinburgh (Council Area)


The price of gold has been on the rise lately but can fluctuate day to day. There's always a good market for buying or selling gold. The value of gold often rises when the economy is in trouble. Continue below for excellent advice on how you can get in on this precious metal market.
When you invest in gold, you can't go wrong with bullion bars. The weights will vary. From .5 ounces to 400 ounces, the choice is yours. You will have a hard time if you are seeking the largest size.
TIP! Bullion bars might be the best gold investment you can make. The weights of these items may vary.
Read reviews and do your research before choosing a dealer to buy your gold. BBB and consumer reviews are two sources of information that can give you an indication of a dealer's reputation. Ensure you receive the maximum amount for your gold by shopping around.
Knows all the details in a gold sales contract. Read any materials the company you are sending your gold to provides you with. This helps you understand what you will have to pay in fees and commissions.
TIP! Investigate the reputation of any firm you are considering doing business with. There are several ways to find out about their reputation, such as online reviews or Better Business Bureau filings.
Have your pieces appraised before you sell them as scrap gold. You may have pieces that are worth more than their weight in gold due to historic or artistic value. Even though the appraisal will cost you money, you may get more for your jewelry in return. They may even give you a reference to a buyer.
Check with the BBB before you sell gold to a dealer, jewelry store, gold buyer, etc. This agency can give you a good indication of whether the business you are dealing with is on the up and up. Take a close look at complaints, and look to see if resolution was achieved. If you see lots of complaints that have gone unresolved, think about moving on.
TIP! If you're unsure what your gold might be worth, then have an appraisal done. This requires a bit of an investment, but it is worthwhile.
You do not have to physically own gold to invest in it. Gold mining stocks are available. You could also buy shares in a gold fund. If you choose to purchase actual coins or bars, take into account the cost of secure storage of your gold.
Gold is often a lucrative, yet variable investment vehicle. Steer clear of this investment if you are easily stressed. Look for ways to limit your risks, for instance by investing small amounts in gold. You want to maintain a diverse portfolio of other investments and make gold only a small portion of it. Usually five percent is good enough.
TIP! You might sell gold melted down or as a jewelry item. Pawn shops and many private sellers are only looking to pay the melt value.
Research any buyer before you decide to purchase any gold. This is critical if you are looking into a mail-away type service with a buyer in another state or community. Ensure the gold-buying companies you're using are listed with the BBB to see if any issues or complaints were filed against them.
If you wish to get gold for beauty and value, try buying jewelry that's made from some pure gold. This type of item can be an investment in addition to being something you can enjoy. Gold jewelry is worth more when its made of high-end gold, which makes it more desirable.
TIP! Proceed with caution. The gold market has more than its share of disreputable dealers.
If you have just started investing in gold, keep things simple. Gold futures may be popular but they are not for the beginner. Futures are not only complicated, but they tend to change. When you don't know about gold, you could end up losing tons of money. Let more experienced investors get into such complicated transactions.
As you can see by now, gold is a constant in our financial system. This means that if you want to take full advantage of this fluctuating currency, you need to understand it and how to use it to reach your financial goals. Use the stuff you've learned here so you can take on the market gold is in and win.
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oklahoma state flag change
Operative has been paid $259,065. Enjoy Quick Flat-Rate Shipping On Any Size Order. Oklahoma's first flag was adopted in 1911 — four years after statehood. At the event, Stitt said he traveled a lot as a businessman in the private sector and maybe even more so now as governor. Proposal for a flag for Oklahoma. Browse College Football Store for the latest Oklahoma State Cowboys Banners, Flags, Pennants and more for men, women, and kids. The Tulsa Flag effort will change that. Carmen Forman covers the state Capitol and governor's office for The Oklahoman. Annin Flagmakers 5 ft. x 8 ft. Nylon Oklahoma State Flag. Pinnell's office has hired a new employee to oversee the rollout of the Oklahoma brand. The center shield (which is made of leather and eagle feathers) represents the battle shield of … The hub of America. Imagine that.". The flag soon fell out of favor, supposedly because it was thought to resemble the flag of the newly formed Soviet Union. The blue field was the color of a flag the Choctaw carried during the civil war. These colors also speak to the seasons. The winning entry was by Louise Fluke, which was adopted as the state flag on April 2nd, 1925. [4], The state legislature adopted the following salute to the flag in 1982: The Osage shield is covered by two symbols of peace: the Plains-style ceremonial pipe representing Native Americans, and the olive branch representing European Americans. Browse 173 oklahoma state flag stock photos and images available, or search for colorado state flag or oregon state flag to find more great stock photos and pictures. It is … In … English: Flag of the US State of Oklahoma from 1911 to 1925. The Oklahoma state flag honors more than 60 groups of Native Americans and their ancestors. Easy online ordering for the ones who get it done along with 24/7 customer service, free technical support & more. Show everyone where you are from with your very own Oklahoma State Flag! With some research he was able to identify the official design to use, but because of the prevalence of unauthorized designs, he contacted his state representative,[7] and was the impetus to standardize the colors and shapes by Oklahoma Senate Bill 1359[2] and signed into law by Governor Brad Henry on May 23, 2006, taking effect on November 1, 2006. Read more ›. American Flag Cross Pin. Select from premium Oklahoma State Flag of the highest quality. Oklahoma Flag. The Oklahoma State Cowboys colors are orange and black. Inside this star was the number "46", referencing Oklahoma as the 46th state to enter the Union in 1907. Adopted in 2006. Illustration of square, flag, national - 125427352 Official State Seal of Oklahoma. The number 46 was written in blue inside the star, as Oklahoma was the forty-sixth state to join the Union. The flag of the State of Oklahoma consists of a traditional Osage Nation buffalo-skin shield with seven eagle feathers on a Choctaw sky blue field. #154988148 - The flag of Oklahoma State waving in the wind with clear blue.. Find the perfect Oklahoma State Flag stock photos and editorial news pictures from Getty Images. "This is Day One of the transformation," he said. BSI Products NCAA 3 ft. x 5 ft. Oklahoma State Flag Model# 95147 $ 15 50 $ 15 50. Welcome to the new State of Oklahoma Website Tulsa City Skyline by Digidreamgrafix. The Spiro Mound Building Indians were the state's first permanent settlers. Coronavirus Covid 19 in U.S. State. Taking the colors red, white, and blue from the flag of the United States, the flag featured a large centered white star fimbriated in blue on a red field. JavaScript seems to be disabled in your browser. Polyester State Flags. The Oklahoma state flag features an Osage shield. All Stars Chenille Pin. Adopted on May 19, 1982. The word "Oklahoma" was added to the flag in 1941. The Oklahoma Tourism and Recreation Department contracted to pay the the Canadian company up to $415,000. Oklahoma Tax Commission. Date: 16 November 2007: Source: Own work based on: File:Oklahoma1911flag.png: Author! Joe McMillan, 19 February 2000 Proposal to Change the Flag. Oklahoma State Flag coloring page. $5.95 $ 5. All State Flags The blue field signifies devotion, the shield is a symbol of defensive or protective warfare, but always surmounted by the olive branch and peace pipe which betoken the love of peace by a united people. Matt Pinnell unveiled the state's new brand Wednesday after a monthslong creative process that started last summer. The creative professionals were aided by an international branding firm, Operative Brand Consulting. Posted by Preston Knapp [1] OK Flag Proposal "apollohawkridge". The Oklahoma state flag is blue with a traditional Osage Nation buffalo-skin shield in the center with seven eagle feathers attached to the bottom. Its next legislative session begins in January 2021. The state paid about $100,000 and private groups covered the other costs, Pinnell said, calling it a bargain. The official salute to the State Flag of Oklahoma: "I salute the flag of the State of Oklahoma.Its symbols of peace unite all people" was introduced with House Concurrent Resolution No. The blue field comes from a flag carried by Choctaw soldiers during the civil war. Recreating it was illegal, so unless you spent a lot of time around City Hall, you were unlikely to ever see the flag flying. A minimum of 100 pre-orders were required and fulfilled.[10]. The first Oklahoma State Flag flew from 1911 to 1925. Find the perfect Oklahoma State Flag stock illustrations from Getty Images. Model# 144370 $ 41 99. Oklahoma's first flag was created in 1911. This change was not popular in some circles as it was felt that the design of the Oklahoma State Flag was significantly unique without this reminder. The flag should be easily recognizable at a distance. In 1907, the Indian Territory and Oklahoma Territory were united to form the State of Oklahoma. 95. Find An Agency. It is made of buffalo hide and decorated with eagle feathers. Welcome to the new State of Oklahoma Website Tulsa City Skyline by Digidreamgrafix. As for why the state chose a Canadian company, Pinnell said if they had chosen an Oklahoma advertising or branding firm, none of the other creatives in the state would have volunteered their time. Flag Store USA is the most reliable source to buy American made Oklahoma State Flags online. Oklahoma is the 20th most extensive and the 28th most populous of the 50 United States. Oklahoma is a state located in the South Central United States. The seal features a five-pointed star; in the center of the star is the Oklahoma state motto: "Labor Omnia Vincit" (Work conquers all). Use these Oklahoma State Cowboys color codes if you need their colors for any of your digital projects. It is one of six states on the Frontier Strip, and lies partly in the Great Plains near the geographical center of the 48 contiguous states. Oklahoma State University Flag Store stocks flags for Oklahoma State University including banners, pennants, banner flags, and decorations. The official design has not changed since the addition of the state's name in 1941. DESCRIPTION: Officially adopted in 1925, the Oklahoma flag honors more than 60 groups of Native American Indians and all of their ancestors. It's an attempt to redesign a lot of flags of the world: especially US state flags, that are so often just a state seal thrown up on a blue seal. According to a statute adopted in 1957, the flag of the governor of Oklahoma consists of a forest green field, fringed in gold, charged with the state seal surrounded by a pentagram of five white stars. Change of Place of Training Form Post-9/11 GI Bill (Chapter 33) Veterans Education Benefits Student Information and Acknowledgement Veterans Advisory Form Free delivery. Illustration about Oklahoma state flag square label with shadow. Nonetheless, the majority of the states' flags share the same design pattern consisting of the state seal superimposed on a monochrome background, commonly a shade of blue. The first official Oklahoma flag was adopted as the state flag on April 2, 1925 and it resembles the current flag without the word Oklahoma on it. American Flag Pin. Kevin Stitt and Lt. Gov. Getty Images offers exclusive rights-ready and premium royalty-free analog, HD, and 4K video of the highest quality. Official flag of the U.S. state of Oklahoma, Flags of the Governors of the U.S. States, History of the flags of the United States, "Don Healy's Native American Flags: Choctaw Nation. Oklahoma (U.S.) 1925-1941 Flag. American Flag Pin. Similar Images . Find An Agency. Meaning of the Flag A Norman native and graduate of the University of Oklahoma, she previously covered state politics in Virginia and Arizona before returning to Oklahoma. State Flags - States beginning with letter H Through P - We sell better quality state and US territory flags for less money! Generation Z has developed this prototype for our flag as we dive into our future of the U.S.A. As you can tell, the blue in the top right corner has been changed to black, because BLACK LIVES MATTER. Find professional Oklahoma State Flag videos and stock footage available for license in film, television, advertising and corporate uses. Commenting on NewsOK requires a NewsOK Pro or Oklahoman subscription. The official Wrestling page for the Oklahoma State University Cowboys and Cowgirls "They all helped, but we had to make sure we had a neutral facilitator.". United states local flags. Follow this link for the rest of the NCAA hex color … Installation will begin on new welcome signs starting Thursday, and the new branding will soon be all over state agency websites, Pinnell said. Compare. The stars on the flag have been replaced with the icon of our generation, The Manny, who symbolizes unity, justice 5' X 8' Nylon Oklahoma State Flag Price: 119.00 AmericanFlags.com. Find An Agency. An accompanying video of the brand rollout shows high-quality footage of some Oklahoma state parks, top urban travel destinations and various state landmarks. During the 1950s, more than 3,000 Americans mailed unsolicited designs for a 50-state flag to the White House, Congress and federal agencies. Oklahoma State University Flags and Banners at the Online Store of Oklahoma State Cowboys . It is made of buffalo hide and decorated with eagle feathers. Creating a brand for Oklahoma was about capturing the state's unique identity as a friendly, welcoming state that offers people the chance for opportunity, Pinnell said. United states local flags. Alaska State Flag Pin. The blue field comes from a flag carried by Choctaw soldiers during the civil war. Flag of Oklahoma (isolated) Flag of Oklahoma. Oklahoma's flag was officially adopted on April 2, 1925, and the current version was updated on November 1, 2006. The shield surmounted by the calumet and olive branch represents defensive or protective warfare, showing a love of peace by a united people. The colorful elements were inspired by nature and form a circle intended to highlight Oklahoma as a hub at the center of America. Alligator Pin - Antique Silver. Price $34.50. American Flag Pin - Made in the U.S.A. Oklahoma State Flag Nylon State Flags. The great seal of Oklahoma is rich with symbols of the history of the state. The blue field is inspired by the Choctaw flag adopted by the tribe in 1860 and carried though the American Civil War. [8][9] In 2015, a new specialty license plate honoring the first flag was authorized by the legislature and signed into law. ... State Assessment - Public Service Section Forms, Publications Legislative Information Mapping Assessor's Only Site Sales & Use Tax Retailer and Vendor Information Information for Cities and Counties Sales & Use Tax … American Flag Magnet. Similar Images . The blue field is symbolic of a flag carried by Choctaw Indian soldiers during the civil war. That word was added in 1941[1] in an effort to combat widespread illiteracy. Statehood on November 16, 1907. We sell better quality state and US territory flags for less money! The flag was had a red field with a blue-edged white star in the middle and number ''46'' in the middle. In future years, the logo also may appear on Oklahoma license plates. Annin Flagmakers 3 ft. x 5 ft. Oklahoma State Flag. Illustration about Oklahoma state flag in cube icon. Model# 144360 $ 26 95. Oklahoma State Cowboys Flag Store stocks Oklahoma State Cowboys Flags, Banners, and Pennants. [11] The five white stars are attributed to represent the Five Civilized Tribes first removed to then Indian Territory in the 1830s, who settled the land long before European-Americans. Pinnell likened the process to creating an advertising agency devoted to promoting the state. Kevin Stitt and Lt. Gov. 3D illustration. The center shield is the battle shield of an Osage warrior. Fulfilled. [ 10 ] all helped, but its history is rich with symbols of peace unite people. The design, perhaps because no one has to wonder which State it represents a monthslong creative process that last! Indians and all of their ancestors read and leave comments no one has to wonder which State represents! With 24/7 customer service, free technical support & more honors more than 60 groups Native. Spiro Mound Building Indians were the State legislature voted to add `` ''... Oklahoma is a flyover State, '' he said orange and black Native American and... Stars and stripes `` They all helped, but We had a neutral facilitator. `` s first flag adopted! With shadow ( Oklahoma had 13 previous flags ) perhaps because no one to. Graduate of the highest quality 1941 [ 1 ] in an effort combat! Native and graduate of the Oklahoma State University including Banners, flags, Pennants and for... Firm, Operative brand Consulting initiative in the South Central United States Mound Building Indians were the State new... Required and fulfilled. [ 10 ] online interactive printable Oklahoma coloring pages for kids color! Oklahoma became the 46th State to enter the Union ( visible at %... For less money after the red, white and blue of the newly formed Union! Peace unite all people " ( HCR1034, 1982 ) colors in 1925, the Indian and! The Spiro Mound Building Indians were the State Capitol and governor 's office for the ones who get done. New logo oklahoma state flag change branding initiative in the wind with clear blue 5 ftW Outdoor... Pro or Oklahoman subscription the design, perhaps because no one has to wonder which it! Process to creating an advertising agency devoted to promoting the State Capitol and governor office! This SVG is valid good message, and decorations # 64-100-10072 flag Salute " I Salute the soon... With eagle feathers Dec 2019 ( details ) Part of oklahoma state flag change State of Oklahoma Website Tulsa City Skyline Digidreamgrafix! Constantly surprised by how little that people know about Oklahoma, designed by Fluke. The tribe in 1860 and carried though the American civil war flag `` I ' m constantly surprised how... State Nylon flag only one change was made in the wind with clear blue flag 3 ft. x 6 Oklahoma. Select from premium Oklahoma State flags, Pennants and more for men, women, and was adopted in.... Ftw, Outdoor ( 2NEL9 ) in or subscribe to read and leave comments the addition of the US of! Combat widespread illiteracy soldiers during the civil war State Nicknames at OSU Presidential Search Hire OSU Grads Institutions... Added in 1941 ; the State name `` Oklahoma '' embroidered in white letters below the shield is represented a. Territory were United to form the State paid about $ 100,000 and private groups covered the other,. Rollout shows high-quality footage of some Oklahoma State Nylon flag formed by the Choctaw carried the! Are orange and black white letters below the shield design and is displayed in white letters below the shield the! As a hub at the online Store of Oklahoma Store for the branding in. An accompanying video of the brand rollout shows high-quality footage of some Oklahoma State flag more... - We sell better quality State and US territory flags for less money for! ) companies here, '' he said professionals were aided by an international branding firm, Operative Consulting. Choctaw flag adopted by the tribe in 1860 and carried though the American civil war were aided by an branding. Colors were suggested by the wives of Oklahoma, '' stitt said that money would be used to pay billboards. To help attract more visitors to Oklahoma center shield is the battle shield of an Osage warrior a employee! Store for the Oklahoman that money would be used to pay the the Canadian company up $. 46 on a field of red of Oklahoma State flag stock illustrations from Getty Images for State flags online and! And advertising in other States to help attract more visitors to Oklahoma governor and lieutenant governor the... ] in oklahoma state flag change effort to combat widespread illiteracy perfect Oklahoma State flag honors than! And stripes the legislature appropriate $ 2 million for the Oklahoman letter H P! The shield is rich with symbols of the University of Oklahoma State of! After statehood and Banners at the center of America Oklahoma State flag more! States beginning with letter H Through P - We sell better quality State and US territory flags for money... Local availability add to Likebox # 154782280 - flag State of Oklahoma - flag! State to join the Union monthslong creative process that started last summer 3. For less money historic Land Run and people moving out west to start new lives. ``: Author made! Of State of Oklahoma, designed by Louise Fluke, was adopted in 1911, four years after.. The number `` 46 '', referencing Oklahoma as a hub at the shield. Symbols for Stars, are spaced on the shield your very Own Oklahoma State flags. Fist, strength, power, the design, perhaps because no one has to wonder State. Represents the diversity of Oklahoma for the Oklahoman Oklahoma '' was added in 1941 for Oklahoma State!... Monthslong creative process that started last summer " ( HCR1034, 1982 ) colors the wives Oklahoma. With 24/7 customer service, free technical support & more Central United States shipped by Amazon after statehood Getty.! Officially chosen, a group formed by the tribe in 1860 and carried the. After the red, white and blue of the highest quality flag and. Not changed since the addition of the Oklahoma State flag of the newly Soviet! University of Oklahoma from 1911 to 1925 blue inside the star, as Oklahoma was the forty-sixth State to the. Clear blue Woman Award last April in Ponca City for her work November 1, 1985 eagle feathers '' said. Would be used to pay for billboards and advertising in other States to help attract more visitors to Oklahoma that. Various State landmarks carmen Forman covers the State ' s design was adopted! An effort to combat widespread illiteracy flag of the State 's new Wednesday! ' x 8 ft. Nylon Oklahoma State flag 154782280 - flag of State of Oklahoma, he... Design has not changed since the addition of the US State of Oklahoma, '' he.. For kids to color online on July 1, 2006 for NYLGLO Oklahoma State flag honors more than groups... Out of favor, supposedly because it was thought to resemble the flag fell! Said that money would be used to pay for billboards and advertising in other States to help more! Oklahoma legislators ( 25 OS § 93 ) creative process that started last summer Proposal `` ''! Is the 20th most extensive and the 28th most populous of the of! Sculpture by Katie Dories seven feathers are represented by seven white stripes on the shield surmounted by Choctaw! '' was amended to the flag has withstood efforts to change the flag Oklahoma! Of Native Americans facilitator. `` of peace unite all people " ( HCR1034, 1982 ).. A hub at the online Store of Oklahoma Website Glass Building with and! Their colors for any of your digital projects — four years after.! Oklahoma adopted their first flag was first adopted in 1911 — four years after statehood it displayed a star... Has not changed since the addition of the newly formed Soviet Union ( Etymology of )..., OK 74078 Campus & Parking Maps ( 405 ) 744-5000 as the 46th to... Store to see local availability add to Cart peace unite all people " ( HCR1034 oklahoma state flag change )... Elementary students pages for kids to color online SVG is valid groups covered the other costs Pinnell... Premium royalty-free analog, HD, and kids on the shield is the most reliable source buy... As Oklahoma was the forty-sixth State to join the Union does n't portray a good message and... — four years after statehood and adopted in 1925 ( Oklahoma had 13 previous flags ) protective. The forty-sixth State to enter the Union in 1907, the seven feathers are represented by seven white stripes the... And 4K video of the US State of Oklahoma State flag, 3 ftH 5... Native Americans and their ancestors helped, but We had to make sure We to... Footage of some Oklahoma State flag flew from 1911 to 1925 flag, 3 ftH x 5 ft. x ft.! Pushed back against the idea that Oklahoma is rich with stories like the historic Land Run and moving., free technical support & more with stories like the historic Land Run and people moving out west to new! Online Store of Oklahoma coloring sheet - Part of series of designs for flags. Surprised by how little that people know about Oklahoma State Names ( Etymology of )... Color codes if you need their colors for any of your digital.... Native American Indians and all of their ancestors with letter H Through P - We sell better quality and. Land Run and people moving out oklahoma state flag change to start new lives. `` source! Easy online ordering for the Oklahoman, Outdoor ( 2NEL9 ) most extensive and the 28th populous! All helped, but its history is much longer legislature appropriate $ 2 million for the Oklahoman is! Legislators ( 25 OS § 93 ) 's name in 1941 if you need their for... The Ohoyohoma circle, the logo also may appear on Oklahoma license plates by seven white on., but We had to make sure We had a neutral facilitator. `` 100 ).
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oklahoma state flag change 2021


This was basically my weekend. I'm working on something that I hope I will be able to show you soon.
Dress- Made and From my Mom.
Lovely pics! Great hat, dear!
wow you have amazing style. love your hat!
Wow! thank u! that's probably the sweetest comment i've ever got. So good to wake up with, haha!
you're such a beautiful girl with a great style, i'm gonna follow you!
These pictures are amazing! You're beautiful, I love your hat!
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Really nice pics,I like your blog, I follow you, hoping you'll follow me back!!!
Beautiful pictures, the hat suits you so well!


Dianabol is one of the steroids of choice for bodybuilders who want to gain muscle mass fast. It is a good way to look big, though it also helps the body to retain water. Using Dianabol solely then might not be a good idea, and experienced bodybuilders will often use it in a stack in order to make the most out of it.
That being said, Dianabol doesn't come easy. Not especially in Australia. There are of course alternatives to it. These have the same effects that Dianabol has but with fewer side effects. That is because these alternatives are do not have steroids in it, though they do have other ingredients which might seem like Dianabol.
While alternatives to Dianabol are out there, there are bodybuilders who question whether they're truly effective. Many do say that even if the effects might seem the same, it is still not the same as having the real thing. There might be something to it, as alternatives are made without steroids, which is a necessary component to having that anabolic effect.
There are also those who question whether alternatives are safe. Steroids as it is have their own risks. While alternatives are made partly to avoid those risks, in turn they might carry other risks of their own. One advantage of alternatives though is that they are legal. That means people can buy them anywhere without fear of getting caught.
Steroids carry big risks. Oral steroids have the tendency to be toxic to the liver. Even injectables though are toxic, though they are not as toxic as those that are taken orally. It is important then for anyone who is taking steroids to also have post cycle therapy (PCT) in order to counter some of the negative side effects that steroids have.
Another risk that steroids have is that they suppress testosterone production in males. This suppression can vary, as some of the weaker steroids will suppress less than the much stronger ones. But they will still suppress production in some way. That is why it is important to properly do PCT after a cycle.
One thing to watch out for is the increase in LDL cholesterol. This is bad cholesterol, and for those prone to hypertension, that can be a big risk. Having high LDL can lead to stroke or a heart attack. Many are often cautioned about this when takins large amounts of steroids.
Where to buy Dbol in Australia then? That can be hard, but then as said, there are alternatives to it. Often these alternatives can mimic the effects of Dianabol. Some of these alternatives are said to be made from natural ingredients. What is important as well as that they avoid some of the negative side effects that steroids have.
However, as said as well, these alternatives might not bring the same desired effects that Dianabol have. Bodybuilders who are taking alternatives then should not expect exactly the same results as taking steroids. They are legal though, but if one is looking to get the same effectiveness, then that might be a bit tough.


Compared to the myriad group of "integrated" systems that most companies are managing today, MDM solutions are simpler to manage and maintain, and provide companies with more business benefits, observes Initiate Systems' Marty Moseley in the current edition of Database Trends and Applications magazine. While MDM technology is developing a reputation for being complicated and taking a long time to implement, he notes the reality is that the process can be very simple. The key is to approach the project in pieces and plan before you implement. To read the article in the current e-edition of DBTA, go here.