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Akame ga Kill Hentai Doujinshi (10 doujinshi)
DragonBall Hentai Doujinshi (22 doujinshi)
✅ Holio - U - v2 - 2
Holio - U - v2 - 2
An interactive sex game with a new girl every month.
hulio
cheerleade
captai
(8 × 4) minus (4 × 2)
Sex or Relations
Got another test to find out something new about your sexuality. This time we have a small test about Sex and Relations! Answer all questions and get advice that is useful.
Pirate Slave
Fuck some brown-haired which was taken from enemy's ship as a hostage. Yes, you play as an angry buzzed pirate. First-ever you can play with her using some of available instruments. Find all hotspots and pass to the fucky-fucky scenes. You must hold mouse button until progress bar gets filled and disappears.. Visit Gamcore to see more fine adult games, fucky-fucky games and animations for free
Re:Maid UPDATED
4/27/17: Updated! Attempt out the "bunny" and "bitcoin" cheats for free! ______ Hi guys, I'm proud to FINALLY introduce to you the full version of Marble Syrup's RE:MAID (including the part precedingly released standalone as "Chapter 1"). This revved into an enormous project much bigger than intended, of even higher quality than many professional, for-pay visual novels, to my mind. So I hope you boys will enjoy it! Everything added together, this visual novel contains some 110K words. To read every single line would take your average reader more than 7 hours..! Each single play-through is much shorter though, meaning the game is joy to replay and there's lots to explore. It also features unbelievable beautiful graphics and hump scenes (directed by artist LASTERK) permanently accompanying the story, so you don't have to be big on reading to get into it. If you like the game, sate support us on Patreon! You get a downloadable and much better-looking fullscreen-able version of the game (it's 50MB compared to 15MB for the web version) https://www.patreon.com/marblesyrup ____________________________________________________ Brief BACKSTORY/OBLIGATORY DISCLAIMER Back in June, before we had begun our Patreon, we released a game called "My Housemate is a Maid", which we ended up taking down because... well, we used most of the graphics from an older Japanese game without permission and we were subsequently called out on this online. Yes, it was stupid, and an rosy pucker thing to do, for which I (BigB) have at least apologized for to everyone involved. We lodged things with the very gracious and generous original illustrator, and determined to remake the game with the assistance of a pro artist to make the game glance as extraordinaire as possible. And that's what you have in front of you right now.
Reaper Anal invasion Rodeo
Meet Reaper from Overwatch game. His/her gender is selected by you, today. Here you're going to see almost anything that and what can happen during anal sex. Plenty of different movement styles and consequences that comes after anal sex.
Pummeling Basket Picnic
You're on a date with some horny and young girl. She doesn't know what you are going to do to her. Talk gently and sweet to fuck her without any foreplay. Give her what she wants, touch her boobs and make her horny.
Street Fighter – Poison anal invasion tranny
Poison from Street Fighter is a boy or a girl? This small game featuring the big slut and the badass Cody allows you to watch these two fighters fucking. A nice anal in which Cody introduce his big cock inside the hole of Poison fucking. You can decide to put a pussy or a cock on Poison. Whatever you opt for, you can finish the loop with a huge cumshot established by Cody. Hey! Now it's raining sperm!
Summer Sesh
To complete and see all sex scenes in this game you will have to complete several tests about basketball, geography, computers and space. Each lady will spread her legs and give you an opportunity to fuck her after you pass each test.
Big Ass Mummy Fuck-a-thon – Oba09
Huge boobs and big ass face, this desperate mother is waiting for a hard cock to satisfy her! In this Oba sex game by Flying Tree Frog, will you be strong enough to fuck a such milf body that is perfect? These breast are so huge that you feel like a climber reaching a mountain! And that significant butt is so large that you feel like a traveller through the Gobi desert! We don't want to put pressure on you, but we ask you one more time: without losing face, Are you ready to fuck that beautiful mom?
GWL2 Both of You, Fuck Like You Want to Win!
GWL2 is a adult visual novel with animated romp sequences Hayley wants to make it as a pro wrestler in the major city! Ensue her tour as she meets new friends, experiences a cut hatch ruthless business, and... Rails fuck-stick and stuff... This is a porn game after all Want to play the first game? Download it herehttp://www.mediafire.com/file/8zm622ahxywa47g/GWL Game.zip If You Would like to help support me making more games and art, I have a Patreon and a Ko-Fi https://www.patreon.com/hayleypetharley https://ko-fi.com/hayleypetharley
In this high quality sex game we have 3D asian model which preforms many things that are crazy and weird. She's masturbating, pissing, playing with her boobs and many more. For a better view use our slider near the star rating tool, to expand the game window.
[HM] Mercy Approach (Overwatch) [ไทย]
Fucky-fucky Kitten: Prison Break
2016 update: The problematic audio should be updated now. Boink copyright - with freeware sounds!. Taking place directly after the nonsensical shenanigans of Sex Kitten Misdeed Spree, Sex Kitten Prison Break puts you, starring as our trouble-magnet romp maniac, in a really shitty situation involving a dingy prison cell, DMT aftereffects and a psychopath for a cellmate! What will happen to our poor zerohero? Will he be found guilty and sentenced to death? Or will he break out and continue drilling crap up just like he always did? Let's find out. Expect the regular insanity, absurdity and total departure from sanity you've come to expect from the Sex Kitten Series! Manages Up, Down, Left, Right for movement, interact with stuff with mouse. Thanks to everyone who helped me out on this project!. Satiate recommend this for the mature section.
Sakyubasu No Tatakai I
This is Some Thing between Shinobi and Angel Girl game combined with characters from Legend of Krystal. Your task is to help Eva overcome her family members to restore her power and rule the kingdom again .


In 2014, the development of the Russian tax system and law enforcement practice relating to tax administration issues will be influenced by several fundamental factors.
First, according to experts, in 2014 the Russian economy will be exposed to increasing stagnation, which will cause a decline in the revenue of the state budget. This will put the tax authorities under pressure. On the one hand, the tax authorities will have to be more creative during tax audits (for instance, raise claims on new grounds, and find additional arguments to support their conclusions). On the other hand, it cannot be ruled out that additional tax will also be charged in situations which were previously resolved in favor of the companies. Either way, the tax audits to be conducted in 2014 are expected to result in substantial amounts of tax being charged additionally and penalties being imposed on companies. These changes are already being observed.
Second, in 2013 a law was adopted to eliminate the Supreme Commercial ('Arbitration') Court, the highest judicial body in the system of state commercial courts. This is the body that has been shaping judicial practice in relation to tax disputes and considering tax disputes in its capacity of the most senior court. It has been laid down in statute that the powers of the Supreme Commercial Court will be assigned to the Supreme Court, the highest judicial body in the system of the general jurisdiction courts. In this context, tax experts have the most pessimistic expectations in relation to the upcoming changes. The ground for such sentiment is the fact that the system of general jurisdiction courts in Russia is lagging significantly behind the system of state commercial courts: the legal position of the Supreme Court is more conservative. In addition, practice has evolved in such a way that the general jurisdiction courts are more dependent on the executive power.
For instance, tax experts fear that the previous practice of tax disputes formed by the Supreme Commercial Court will become impracticable, and that the "reformed" courts will consider the tax disputes in a formal manner in many cases.
These changes are potentially relevant because judicial power has traditionally played a very important role in shaping Russian tax practice. When courts consider tax disputes, they form approaches to implementing the provisions of tax law, fill the gaps in tax law, and develop and implement judicial doctrines to prevent tax evasion.
Considering these two factors, we recommend conducting an "unscheduled" audit to revise the tax policy of companies working in Russia from the most conservative angle. This will help companies to prepare for eventual tax audits and in most cases to mitigate the adverse consequences of these.
Two issues will be especially prone to tax risks in 2014: transfer prices and thin capitalization.
First, upcoming audits should be mentioned.
In 2014, the companies that have reported in their financial statements transfer prices based on the new transfer pricing provisions (effective from 2012) will be audited by the tax authorities. The audits will be conducted in the context of the Federal Tax Service checking these reports and raising questions which many companies will have to answer. Such questions may be connected, primarily, with the fact that similar companies active in the same area have implemented different approaches to transfer pricing. We assume that the tax authorities will choose 1 or 2 companies in each industry and charge, "on an experimental basis", extra tax on them pursuant to the new transfer pricing provisions. The Federal Tax Service will also make considerable efforts to prevent these extra charges from being invalidated by court, since the practice that evolves will serve as a basis for subsequent tax disputes to be considered.
Moreover, the tax authorities will continue to identify overdue debentures of companies, which fall within the scope of the thin capitalization rules. In many cases, the additional tax charged under the thin capitalisation rules is substantial for companies. The judicial practice on the matter is currently unfolding in the tax authorities' favor, even if their conclusions are at odds with the generally accepted approaches of the OECD. The trend for the tax authorities and courts is to treat thin capitalisation rules from a formal perspective which does not take into account the "arm's length" principle. Tax specialists are making considerable efforts to change the judicial practice that is being formed.
Despite the negative forecast for the year 2014, which may be a difficult period for companies, in most cases companies will be able to guard against or mitigate adverse tax implications by engaging highly skilled Russian tax law professionals as well as attorneys specialising in tax disputes.


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Lan ETS 2017 - tournois exclusifs 15e Édition NOSTALGIE - Duration: 84 seconds.
Lan ETS - Tutoriel - Duration: 2 minutes, 31 seconds.
Lan ETS 2017 - Trailer - Duration: 102 seconds.
Lan ETS 2016 Finals - Ayyyyy vs Anixia - Duration: 1 hour, 49 minutes.
Lan ETS 2016 - Hyper X League of Legend Finals - Datzit Gaming Fire vs Datzit Gaming Triangle - Duration: 3 hours, 3 minutes.
Lan ETS 2016 - Teaser - Duration: 2 minutes, 23 seconds.
Lan ETS 2015 - PNY NVIDIA Upgrade your PC Stunt - Duration: 15 minutes.
Lan ETS 2015 - Price is Right Stunt - Duration: 17 minutes.
Lan ETS 2015 - Closing ceremony - Duration: 42 minutes.
Lan ETS 2015 - Intel presentation - Duration: 15 minutes.
Lan ETS 2015 - Go Fast Stunt - Duration: 26 minutes.
Lan ETS 2015 Trailer - Duration: 59 seconds.
Lan ETS 2014 @ M.Net - 13 Décembre 2013 - Duration: 6 minutes, 12 seconds.
Lan ETS 2014 @ M.Net - 7 mars 2014 - Duration: 4 minutes.
Lan ETS 2014 - Overclocking Demo - Overclocking TV - Duration: 13 minutes.
Lan ETS 2014 - Lipsing Battle - Corsair - Duration: 7 minutes, 36 seconds.
Lan ETS 2014 - Keyboard Crush - Cooler Master - Duration: 6 minutes, 14 seconds.
Lan ETS 2014 - Human Tower - Cooler Master - Duration: 14 minutes.
Lan ETS 2014 - Musical Chair - In Win - Duration: 10 minutes.
Lan ETS 2014 - Burpees - In Win - Duration: 14 minutes.
Lan ETS 2014 - Stunt - PNY - Duration: 7 minutes, 29 seconds.
Lan ETS 2014 - Recap - Duration: 2 minutes, 10 seconds.
Lan ETS 2013 - Duration: 2 minutes, 24 seconds.
Lan ETS 2013 @ M.Net - MusiquePlus - 8 mars 2013 - Duration: 4 minutes, 39 seconds.
Lan ETS 2013 - Activité Corsair / Corsair activity - Crushing - Duration: 23 minutes.
Lan ETS 2013 - Activité Plantronics / Plantronics Activity - Singing - Duration: 24 minutes.
Lan ETS 2013 - Activité Madcatz / Madcatz Activity - Gangnam Style Deathmatch - Duration: 13 minutes.
Lan ETS 2013 - Activité CoolerMaster / CoolerMaster activity - Duration: 19 minutes.
Lan ETS 2013 - Activité ASUS / ASUS Activity - Question - Duration: 19 minutes.
Lan ETS 2013 - Activité Riot Games - Teemo Hats - Duration: 15 minutes.
Lan ETS 2013 - Activité / Activity - Speed Hot-dog - Duration: 8 minutes, 6 seconds.
Lan ETS 2013 - Cérémonie fermeture / Closing Ceremony - Duration: 24 minutes.
Interview with Ks.Jig, runner-up of LAN ETS 2013 - Duration: 5 minutes, 19 seconds.
Interview with Hendralisk, winner of LAN ETS 2013 - Duration: 7 minutes, 3 seconds.
Reprise de plusieurs matchs de League of Legends, Starcraft 2 et Counter Strike : GO au Lan ETS 2013.
Replays from various games of League of Legends, Starcraft 2 and Counter Strike : GO at Lan ETS 2013.
Lan ETS 2013 - Les Gros Camions vs Alpha Males - LoL - Ro8 - Bo3 - Duration: 1 hour, 33 minutes.
Lan ETS 2013 - No Ballz No Babie vs CHIEFS - LoL - Ro32 - Bo1 - Duration: 1 hour, 17 minutes.
Lan ETS 2013 - Bolt vs No Logic Gaming - LoL - Round Robin - Bo1 - Duration: 35 minutes.
Lan ETS 2013 - CHIEFS vs Crack Smoke Five - LoL - Round Robin - Bo1 - Duration: 42 minutes.
Lan ETS 2013 - Worth It vs Four Skins - LoL - Round Robin - Bo1 - Duration: 45 minutes.
Lan ETS 2013 - B4 Nightclub vs Red Panda Squad - LoL Fr - Round Robin - Bo1 - Duration: 31 minutes.
Lan ETS 2013 - East Atlantic Gaming vs Cool Catz - LoL Fr - Round Robin - Bo1 - Duration: 31 minutes.
Lan ETS 2013 - CHIEFS vs Crack Smoke Five - LoL Fr - Round Robin - Bo1 - Duration: 42 minutes.
Lan ETS 2013 - Dancing Toboggans vs MKB-Team - LoL Fr - Round Robin - Bo1 - Duration: 58 minutes.
Lan ETS 2013 - No Ballz No Babies vs CHIEFS - LoL Fr - Round Robin - Bo1 - Duration: 1 hour, 8 minutes.
Lan ETS 2013 - Worth It vs Four Skins - LoL Fr - Round Robin - Bo1 - Duration: 37 minutes.
Lan ETS 2013 - Les Gros Camions vs Alpha Males - LoL Fr - Ro8 - Bo3 - Duration: 1 hour, 27 minutes.


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2020 NCFR Conference Program Highlights
Presenters at Plenaries and Special Sessions
Watch this page for more information about featured conference sessions.
2020 Plenary Presenters
Wednesday, Nov. 11 — Kira H. Banks and Amber Johnson
Thursday, Nov. 12 — Ndidiamaka N. Amutah-Onukagha, Anis Ben Brik, and Rosario Esteinou
Friday, Nov. 13 — Kevin Nadal
Thank you to our 2020 Conference Host — Human Development and Family Science at University of Missouri — for its generous support of the conference!
Opening Plenary: Wednesday, Nov. 11, 1-2:15 p.m. CT
Kira H. Banks
Amber Johnson
Equity in Action: Helping Families Navigate Systems of Oppression
Kira H. Banks. Ph.D. (pronouns: she/her/hers), has been working to support individuals and groups to understand themselves, others and systems of oppression for over 20 years. Her teaching, research and community involvement is rooted in the values of Black Psychology, which uplifts the interconnectedness and resilience of people and rejects an individual and deficit approach.
Dr. Banks is an associate professor in the Department of Psychology at Saint Louis University, an APA-accredited Clinical Psychology doctoral program. Her research examines the experience of discrimination, its impact on mental health and intergroup relations. Her courses have ranged from abnormal psychology to the psychology of racism. Dr. Banks has published over 20 articles in peer-reviewed outlets including American Psychologist, Cultural Diversity and Ethnic Minority Psychology, and Journal of Diversity in Higher Education. She has also contributed to The Harvard Business Review and popular media outlets such as Huffington Post and The Atlantic.
Dr. Banks' expertise was sought after and she served as a racial equity consultant for the Ferguson Commission and continued as the Racial Equity Catalyst for Forward Through Ferguson. Her thinking and writing has helped frame racial equity in the St. Louis region.
Dr. Banks has developed a podcast and YouTube channel, Raising Equity, which explores how to intentionality raise children with the knowledge and understanding of systemic inequities and to equip them to create an equitable society rather than accept the status quo. She believes strongly that research should be useful and can inform our every day lives. Dr. Banks is also co-principal of The Mouse and the Elephant, which develops customized curriculum to meet companies' long-term needs. She received her master of arts and doctorate from the University of Michigan.
Amber Johnson, Ph.D. (pronouns: they/them/theirs), is an award-winning associate professor of communication and social justice at Saint Louis University.
As a scholar, artist, and activist, Johnson's research and activism focus on narratives of identity, protest, and social justice in digital media, popular media, and everyday lived experiences. As a polymath, their mixed-media artistry involves working with metals, recycled and reclaimed goods, photography, poetry, percussion, and paint to interrogate systems of oppression. They are the creator of The Justice Fleet™, a mobile justice museum that fosters healing through art, dialogue, and play.
Dr. Johnson has published articles in several journals including Qualitative Inquiry, Critical Studies in Media and Communication, Text & Performance Quarterly, Liminalities: A Journal of Performance Studies, and Communication Quarterly. Dr. Johnson is the co-author and co-editor of two books: African American Communication: Examining the Complexities of Lived Experiences and Gender Futurity, Intersectional Autoethnpgraphy: Embodied Theorizing from the Margins. Their current book project, A Great Inheritance, is a young adult fiction novel that follows five children chosen to dismantle the gender binary.
Dr. Johnson earned their doctorate from Pennsylvania State University in communication and creative writing, and their master of arts from Saint Louis University.
Thursday Plenary: Nov. 12, 1-2:15 p.m. CT
Ndidiamaka N. Amutah-Onukagha
Anis Ben Brik
Rosario Esteinou
Global Health Disparities Among Families in the COVID-19 Pandemic
Ndidiamaka N. Amutah-Onukagha, Ph.D., has a longstanding commitment to public health that spans over 15 years of experience. Her current research interests include maternal mortality and morbidity, health disparities, reproductive health, infant mortality and HIV/AIDS in women of color.
Dr. Amutah-Onukagha is an associate professor in the Department of Public Health and Community Medicine at Tufts University School of Medicine. She received her doctorate in public health with a focus on maternal and child health at the University of Maryland, College Park School of Public Health.
Dr. Amutah-Onukagha is a member of the American Public Health Association and is currently the co-chair of the Perinatal and Womens Health Committee in the Maternal and Child Health Section. Dr. Amutah-Onukagha is a former president of the Society of African American Public Health Issues and currently serves on the Board of Directors for the National Womens Health Network.
Since 2018, Dr. Amutah-Onukagha has planned and led a national conference on Black Maternal Health Inequities.
Anis Ben Brik, Ph.D., MPA, is an associate professor at the Hamad Bin Khalifa University (HBKU) College of Public Policy in Qatar. Prior to joining HBKU, he served as director of the Family Policy Department at the Doha International Family Institute. He has previously held senior advisory positions focused on family and social policy at several government agencies in the Gulf region.
Dr. Ben Brik is interested in the empirical analysis of issues related to child welfare, family policy, social security, and evaluation research in the Middle East and North Africa region. He has published empirical research in a wide range of international peer-reviewed journals, including Children and Youth Services Review, Early Child Development and Care, Child Indicators Research, and Decision Sciences. His most recent publications include Families and Social Change in the Gulf Region (Routledge). The book also provides a context in which to understand how family relationships and social policies can promote children's physical health, behavioral adjustment, psychological well-being, social relationships, safety, cognitive development, and economic security in the Gulf countries.
Dr. Ben Brik's current project on "COVID-19 Family Life Study" is an international research study that explores the effects of the coronavirus pandemic on family life across cultures. The study is conducted in forty countries across Europe, Africa, Latin America, Asia, and the Middle East.
Rosario Esteinou, Ph.D., received her doctorate in sociology at the University of Turin, Italy. She is a family sociologist and has been a researcher for over 30 years at the Centro de Investigaciones y Estudios Superiores en Antropología Social (CIESAS - Center of Research and Higher Studies in Social Anthropology) in Mexico City.
She is a member of the National System of Research of the National Council of Science and Technology, the Mexican Academy of Sciences, the National Council of Family Relations, and the International Sociological Association.
Dr. Esteinou has published articles, chapters and books about the family in Mexico, especially in the fields of sociology, anthropology, demography, history and social psychology. Currently, her research interests focus on family and couple relationships, parenting, adolescents and youth, and family policy.
She has been a visiting professor at the Centre of Family Research at the University of Cambridge, the London School of Economics in the United Kingdom, the University of Newcastle in Australia, and the University of Nebraska in the United States. Dr. Esteinou has also participated in different Expert Group Meetings organized by the United Nations and other institutions.
Closing Plenary: Friday, Nov. 13, 1-2:15 p.m. CT
Kevin Nadal
The Manifestation of Microaggressions within Families: Intersectional Identities, Power, and More
Sponsored by the Department of Human Development and Family Studies, University of Illinois at Urbana–Champaign
Kevin Nadal, Ph.D. (pronouns: he/him/his), is an award-winning professor, psychologist-activist, and author, who received his doctorate from Columbia University in New York City. Currently, he is a professor of psychology at John Jay College of Criminal Justice, a senior college of the City University of New York. He is one of the leading researchers in understanding the impacts of microaggressions, or subtle forms of discrimination, on the mental and physical health of people of color; lesbian, gay, bisexual, transgender, and queer (LGBTQ) people; and other marginalized groups.
Dr. Nadal is the author of ten books including Filipino American Psychology: A Handbook of Theory, Research, and Clinical Practice (2011, John Wiley and Sons), That's So Gay: Microaggressions and the Lesbian, Gay, Bisexual, and Transgender Community (2013, APA Books), and Sage Encyclopedia of Psychology and Gender (2017, Sage).
He is a National Trustee of the Filipino American National Historical Society and a co-founder of the LGBTQ Scholars of Color Network. In 2017, he received the APA Early Career Award for Distinguished Contributions to Psychology in the Public Interest. He has published over 100 works and has spoken at hundreds of colleges, universities, corporations, nonprofit organizations, professional networks, and hospitals.
More Presenters To Be Announced

redpajama_set_name: RedPajamaCommonCrawl


Sep 13, 2015 How change the parity after crating a com2tcp com0com · hub4com · com2tcp · serial port sniffer · serial port splitter · serial com port visual. For example, with the com2tcp ( COM port to TCP redirector, part of the com0com project ) you can communicate via serial interface with the TCP/IP servers. May 7, 2007 COM port to TCP redirector (com2tcp) v1.3.0.0 released. The COM port to TCP redirector is a Windows application and is a part of the com0com. Com2TCP - Перенаправление COM порта в Ethernet (1); Cпособы Magnet -ссылки и torrent-файлы · Microsoft Baseline Security Analyzer (MBSA) 2.2.
However, if you want to use Windows-based APRS software that expects a COMn port (like COM1, etc), you'll need to use com2tcp from the com0com project. 123, Recovery torrents.ru rar, 21.9 MBytes, 2016-03-08 30, com2tcp.exe, 92 KBytes, 2016-03-08 24, CEEBOT torrents.ru 7z, 85.1 MBytes, 2016-03-08. Oct 8, 2015 . hub4com-2.1.0.0-386\com2tcp --baud 115200 \.\COM15 11000. Just change the number after COM from 15 to the number Задаю IP и номер порта, соединяюсь и шлю строку из Hercles-а и вижу данные на RS232. В связке с com0com+com2tcp не работает.


Anxiety is a normal reaction to stressful circumstances or thoughts, such as feeling anxious about a test or feeling anxious about a problem at work. However, when this normal process turns negative the weight of anxiety can be debilitating, causing significant difficulties in daily life and functioning. When anxiety problems rise to this level, it is likely that the it has developed into an Anxiety Disorder. Anxiety Disorders are common, affecting approximately 40 million adults per year. Importantly, Anxiety Disorders are treatable and often respond very well to therapy.
Anxiety disorders can form for a variety reasons. Between 30% to 50% of the cause may be genetic, but early childhood experiences (such as loss of a parent or overprotective parenting), recent stresses in life, perfectionism or unrealistic expectations about yourself and others, relationship conflicts, alcohol or drug addiction, caffeine, poor coping skills, and other factors all contribute to the experience of anxiety. No matter the source for your anxiety, you don't have to struggle with anxiety on your own. Let me work with you to find relief.
Anxiety Disorders are very common in America. Often clients seeking treatment for anxiety have other areas of their life that they would like to improve as well, which influences the types of therapeutic intervention used. I work with clients seeking short-term therapy, as well as those seeking longer-term work. I see clients who have a variety of different types of anxiety. The symptoms for each type of anxiety disorder are different but they may include overwhelming fears and a sense of dread.
GAD is characterized by chronic anxiety, exaggerated worry and tension, even when there is little or nothing to provoke it.
OCD is characterized by recurrent, unwanted thoughts (obsessions) and/or repetitive behaviors (compulsions). These obsessions and compulsions can be very time consuming and leave little time for normal day-to-day activities.
People with panic disorder have sudden and repeated attacks of fear that last for several minutes or even longer. Panic attacks typically include a fear of disaster or of losing control even when there is no real danger. Panic attacks may include chest pain, heart palpitations, shortness of breath, shaking, sweating, dizziness, or abdominal distress.
Generally speaking, phobias are irrational and unrealistic fears that can interfere with your daily life. Common phobias include fear of blood or injection, insects or flying.
PTSD can develop after exposure to a terrifying event or ordeal in which grave physical harm occurred or was threatened. Traumatic events that may trigger PTSD include violent personal assaults, natural or human-caused disasters, accidents, or military combat.
Of the various anxiety disorders, social anxiety is the most frequently encountered. Those with social anxiety have the feeling that they are constantly being judged by others. Social anxiety can interfere with enjoyment of school, work or other activities that involve other people.
My goal is to help you get better quickly, with reduced symptoms and dramatic improvements in you daily life. I draw from the following evidence-based types of treatment, which clinical research has found to be the most effective in treating anxiety, depression, and other mental health disorders. None of these treatments use any medication, and all of them are highly effective.
CBT is a practical, short-term approach to treatment that has been proven effective in treating a wide range of issues including anxiety, depression, insomnia, and relationship difficulties. In CBT, the goal is to identify and change patterns of behavior and thought that can perpetuate symptoms over time. CBT is normally considered a short-term therapy. It focuses on behavior and thinking patterns and helps clients make sense of by thinking rationally about the stressors that cause their anxiety. CBT helps clients become aware of irrational or negative thinking. CBT is present-focused, meaning patients are encouraged to identify what they can do right now to change how they feel.
ERP, or Exposure Therapy, is a type of Cognitive Behavioral Therapy that is effective in treating OCD, phobias, panic disorder, and other anxiety disorders. In Exposure Therapy, you slowly and systematically confront situations that are anxiety-provoking. You learn to respond to your triggers as you become desensitized reduce anxiety. With ERP you practice confronting your fears in a controlled environment so that you can develop the skills to manage stressful situations on your own.
MBCT combines Cognitive Behavioral Therapy techniques with mindfulness strategies so that you can more calmly manage your thoughts and emotions during periods of anxiety or depression. Through mindfulness training we examine how effective your current anxiety coping strategies are and develop new and stronger ways of coping. Mindfulness allows people to focus on the present, rather than worrying about the past of the future.


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29 Comments September 27, 2017 at 12:57 pm
TTC budget woes deepen
Toronto ignores the growing backlog of transit repairs and renewal at its peril—not to mention the $2.8-billion hole in the plan
By Steve Munro
The TTC has yet to prioritize its many competing projects. Photo by Peter Crock in the Torontoist Flickr Pool.
Transit is a vital Toronto service with an insatiable hunger for money. TTC's budget committee met yesterday to consider a first cut at their next 10-year capital plan and how this might fit with the City of Toronto's limited funding.
To hear TTC management, all is well, at least in the short term. Spending plans for 2018 match available funding and, most importantly, the City-imposed limit on borrowing for transit projects.
But over 10 years, available funding—monies that various governments have committed to provide—are about $2.8 billion short of the $9.24-billion plan. This gap between what the City will pay and what the TTC needs has been growing for years. It is only minimally offset by accounting prestidigitation that assumes the TTC will not actually spend all the money they are asking for. That shaves $420 million off of the total, but much remains.
How Deep is the Hole?
The first big problem with the TTC's budget is that it understates the long-term shortfall by omitting many projects from the formal "base budget." There are four different types of "unfunded" transit projects:
Base budget items for which there is no funding because the City and its "funding partners" cannot or will not ante up the money: $2.273 billion (e.g., automatic train control for Line 2 (BD), new subway cars for Line 2, new subway cars for ridership growth on Lines 1 (YUS) and 2, purchase of new buses starting in 2021, purchase of additional new streetcars for ridership growth and system expansion)
Deferred new budget requests for items that are "should haves," but not yet important enough to formally be in the base: $1.05 billion (e.g., purchase of more than 500 new buses separate from those above, new bus technologies, future Wheel-Trans buses, Warden Station redevelopment)
Scope changes on existing projects: $128 million (e.g., fire ventilation upgrades, escalator replacements)
Projects for future consideration: $2.216 billion (e.g., Bloor-Yonge Station capacity improvements, platform edge doors on Line 1, new subway maintenance facility at Davisville, station modernization, new transit control centre, Islington Station improvements)
Groups 2 to 4 all contain a variety of facility upgrade projects to deal with aging infrastructure. Many of these have a relatively low cost, but collectively they are worth hundreds of millions. These are only a sample showing the largest or more important projects.
These lists are growing because City Council has instructed the TTC that new projects cannot be added to the "base budget" without Council approval. This does not make the projects disappear. It only hides their cost by leaving them out of the official version of the capital plan. The only exceptions are projects that are deemed critical, or that do not start until the 10th year of the plan, far enough in the future that they have little effect on spending projections.
One important change at the City is the imposition of a "stage gate" process where a project cannot even reach commitment to proceed until its design is sufficiently advanced to keep the risk of cost overruns low. This is a big change for those who prefer to sketch plans on napkins and worry about the cost later, but it also affects management who low-ball cost estimates simply to get political approval. A more rigourous process has its effects on both groups.
Noble as this change may be, it is a recent addition to the process, and few projects have actually gone through it. The benefits will take a few years to materialize, and it is unlikely that pet projects will completely disappear from TTC plans even with dubious cost estimates.
Which Projects Go First?
The second problem is that every project is presented as if it had equal importance in the overall scheme. The TTC Board previously asked that staff propose a prioritization scheme for projects, but this has yet to appear. A big issue is the meaning of "priority"—is a priority project one where "if we don't do this, something will break," or one where "if we don't do this, I won't be re-elected"? Even "break" can mean anything from annoying unreliability to complete collapse.
Not only is a priority list missing, major project clusters (such as the planned renewal of the Bloor-Danforth subway) are scattered across multiple budget lines with no indication that they are related.
Budgets can be deadly dull reading, and the documents can be daunting to a novice, including most members of the TTC board and Council. During the meeting it was obvious that members, and not a few management, were struggling with the details of this core TTC planning document. The budget committee itself cancels more meetings than it holds, and tends to review the budget in the heat of the moment when the whole document must be approved. Little surprise that few understand how it works.
This is not just an exercise in good management theory, but an important part of planning for the City's transit future. Without digging, it is almost impossible to learn how the budget relates to various initiatives councillors might like to see. Is there actually a provision for some change, or has a request simply been relegated to the "someday" pile? Are all components of a change present, or are there "oops," missing pieces lurking in the budget that will delay policy changes?
A good example lies in service quality and improvement. Within the 10-year plan, there is provision for only 99 new buses, to be acquired over the coming five years, dedicated for service improvements. Hundreds more may be purchased, but these will simply replace what is on the street today. Pressed to explain what these would be used for, management explained that they would mainly be spare service buses, "run as directed" as the TTC calls them, to fill in where necessary.
The TTC board will receive three important reports in coming months that could have significant effects on the capital budget:
Ridership Growth Strategy: a plan for building ridership with a more attractive transit system. This will require more vehicles, but the lead time to provision buses (not to mention build a garage to house them) can be several years. All the will to improve service can founder through a lack of capital resources.
Bus Fleet Plan: related to the RGS or even to a "do nothing" approach to service. The TTC needs an updated view of its bus and streetcar needs, based on anticipated changes in demand, changing vehicle technologies and the shift of riders between modes as new LRT and subway services replace bus routes.
Renewal Plan for the Bloor-Danforth Subway (Line 2): Separately from the Scarborough extension, the BD line is 50 years old and in need of major overhaul for track, signals, fleet and maintenance shops.
As jobs and population return not just in the core area, but to other parts of the "old" city like Liberty Village, there is a growing demand for travel. What are the options for moving more people by transit in areas where streets are clogged with motorists? There is little provision for this in the capital budget.
Other non-TTC projects (such as SmartTrack) compete for funding and these can elbow aside the more mundane, but badly needed, work on the existing transit system.
A structural problem with the TTC budget comes from the age of the subway system. For decades, many components have used up their design lives and some parts of the system—track, trains, escalators—have been replaced once or more. Now with large segments of the subway over 40 years old, the bill is coming due on replacing major subsystems and structures. This effect is only dimly appreciated by members of the TTC board because only the highest priority subsystem—signalling—has attracted their attention through its cost and ongoing service interruptions.
As written, the 10-year plan gives no indication of the magnitude and timing of effects from these issues and policy decisions that they could trigger.
Paying for Transit
Money for transit projects comes from many sources including direct charges against taxes at all three government levels, from project-specific subsidies and from other levies such as development charges.
In recent years, City finance staff have become more creative in their approach to financing capital needs, and this includes measures that could have unexpected consequences. One example is a scheme, advanced in the budget presentation, that the savings from "efficiencies" could be used to finance debt for capital projects.
Suppose a new bus fleet is alleged to be more energy efficient and require less maintenance. These savings could help pay for the buses, even to the point of subsidizing a premium price.
However, the savings must actually materialize and be sustained over the life of the debt. If they are not, then there is an unfunded cost. If the energy or maintenance savings don't pan out, what pays down the debt? Problems with new bus technologies that failed to deliver on expectations (Compressed Natural Gas and Hybrids) are perfect examples.
Recently, purveyors of electric buses have suggested that their extra cost could be financed through savings compared to diesel buses. If that approach is taken, the savings could be completely eaten up to offset the extra vehicle cost.
More importantly, savings like these would normally offset rising operating costs. A new bus might use less fuel, or run forever without a tune-up. However, those savings will not translate to more service or lower fares because they will be scooped to pay down the debt. This is a subtle way to transfer capital costs to the operating budget and poach money that should be providing service or limiting fare increases.
One large potential funding source is the second phase of the federal Public Transit Infrastructure Fund, but this is not yet a done deal. Details of the next phase of PTIF remain uncertain, and the current phase extends only to March 2019.
For the City, there is a tricky balancing act. If PTIF money goes to a project that is now City-funded, then the City can recoup part of its contribution for use on other projects. However, if an unfunded project such as new trains for the BD line moves into the funded part of the plan, this requires net new City spending unless there are offsets elsewhere.
The TTC's plan gives no indication of which projects might be on their "wish list" for PTIF grants or how the timing of this funding would affect the staging of projects in the pipeline.
The capital budget and plan passed by TTC's budget committee is, at best, an outline of what capital spending could look like over the next decade, but it raises difficult questions about the number and scale of unfunded projects. This must be explored and explained in better detail to the full TTC board and to Council as it works through the 2018 budget.
Much vital work does not lend itself to photo ops nor to election campaign slogans, but Toronto ignores the growing backlog of transit repairs and renewal at its peril.
Filed under budget, capital budget, transit, TTC


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No Your Links: 10/8/07
By Jake Whitacre@jakewhitacre Oct 8, 2007, 6:12pm EDT
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Training camp is over, so there isn't as much going on as there was last week but there's still plenty of things going on.
The Wizards held an open scrimmage Saturday to close out training camp. Arenas and Jamison didn't play so there wasn't all that much to report but there's still some great recaps available from Wizards Insider, Glenn Consor, and We're Off To See The Wizards who saw some interesting things (G-Wiz in a thong?) and got some pictures as well. While Arenas and Jamison both didn't play in the scrimmage, both are probably going to be playing tomorrow's preseason game against Cleveland.
The most interesting story of the day comes from The Big Lead who has uncovered some interesting stuff about DeShawn Stevenson including his Myspace(NSFW). I use the word interesting in italics because I'm not really sure how else to describe it. The Hype Guy and SVP Style have their own takes on this odd bit of news.
Speaking of Stevenson, when did LSU stop feeling their face?
More hate on 33 win prediction.
NBA.com has been doing features for each team about one player's journey to the NBA. Today's feature was on Antawn Jamison.
Roger Mason clarifies why he turned down a three year deal with the Spurs in the Washington Times:
"Obviously, San Antonio is a championship club," Mason said of the Spurs, who have won four championships in the last nine seasons. "I thought it was humbling for them to pursue me. But at the same time, I was here last year, and I thought that was a learning step for me. I got very comfortable with and learned the system. I think one thing about establishing yourself in the league is continuity. I can benefit from that."
The Detroit Free Press has a piece about Jarvis Hayes that included this little blurb that I'll let you analyze/ridicule:
Besides that obstacle, the Wizards' offense, which centered on the triumvirate of Gilbert Arenas, Antawn Jamison and Caron Butler, didn't fully take advantage of Hayes' skills as a shooter.
Now in Detroit, he feels each one of those issues is in his past.
"I think it's 50% the system," Hayes said, "and 50% the guys who are here already. Very unselfish, they trust their teammates, they trust in each other to get the job done. It's twofold."
Finally, a check of the Bullets Forever Pick 'Em. JackPitt still holds the lead with 38 correct picks but 6 people are within 9 picks of the lead, including that dashing young fellow Jake who got 12 of 13 yesterday, making up for his abysmal 0 for 14 (because the picks didn't go through) performance last week.


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PTC Files Complaint Seeking Fines Over NASCAR Broadcast
The watchdog Parents Television Council announced today that it has filed an indecency complaint asking the Federal Communications Commission to fine NBC and all company affiliates that carried the network's Oct. 3 NASCAR coverage that included Dale Earnhardt Jr.'s use of the S-word on air.
After the Earnhardt incident, NBC announced that future NASCAR coverage would be subject to a five-second tape delay, the PTC said. "But frankly," said Brent Bozell, PTC president, in a statement, "NBC should have taken this action long before the Earnhardt incident, especially given NBC's past problems with indecent language during live broadcasts, including Bono's utterance of the F-word during the 2003 Golden Globe awards.
"We are demanding that the FCC impose the maximum fine allowable under the law against every NBC affiliate that aired this offense," Mr. Bozell said. "We further demand that the FCC consider license revocation as a real option, given the repetitive nature of these offenses." NBC declined comment on the complaint.
The FCC last week announced fines against Fox Broadcasting Co. and its affiliates totaling a record $1.183 million for allegedly indecent material on the reality show "Married by America," which was also the subject of a PTC complaint.
TBS Signs Deal With Nash


Mombasa RFC required a last day brilliance to qualify for Championship playoffs as they beat rivals South Coast Pirates 25-27 in Ukunda on Sat April 6, 2019.
Mombasa picked five points to climb to sixth with 37 points, five above Kisii RFC who went into the matchday needing a bonus win too but lost 13-0 to MMUST.
Catholic Monks secured a home semifinal as they beat Egerton 10-32 which takes them to 59 points but USIU could finish above them if they win their last two matches.
USIU play Ngong on Sunday at 11am while a postponed clash against South Coast Pirates is set for next week.
Western Bulls picked four points on the road beating UoE 6-10 to stay second with 54 points, five above USIU who have two matches in hand.
MMUST's wonder season continued with a 13-0 win over Kisii RFC to secure fifth place with 42 points. Kisumu RFC received a walkover from Kitale also to seal fourth place with 46 points.
Pirates moved to 24 points after picking a losing bonus which now puts them two points off ninth placed Egerton Wasps.
Kitale RFC joined Ngong RFC on the relegation to the nationwide.


Online Accredited Degrees – The Best Online Life Experience Degrees Guide: Is an Online Graduate Degree Or an Online Undergraduate Degree What You Need?
Is an Online Graduate Degree Or an Online Undergraduate Degree What You Need?
There was a time when a college or Bachelor's degree is not seen as an important part of the professional life of a person to find a job. However, with the realization and need for better financial earnings, more and more people are getting the realization that additional education will be the answer in their desire to have more income generated from their jobs. However, quitting a job for some time and pursuing a graduate education or even an undergraduate one can be a consideration that will not be a probable option for many. These kinds of situation of many people in a work force had made the many online undergraduate degrees and online graduate degrees a lot more lucrative choice to take.
For those who never had a college education and had been in a blue-collared job for some time, trying to have the development or change of career, taking online undergraduate degrees is a good answer for their need for development to get into an office job that requires some Bachelor's degree. Getting such online undergraduate degrees will give these individuals with the chance to even have a position of an office supervisor or maybe even a manager of a department.
Completion of any of the available online undergraduate degrees can make your curriculum vitae look more presentable and this is something you can get from an online undergraduate degree program. Moreover, having the documents that can support your education and skill can only beget from a completed educational learning. You may be skilled and experienced but just without a diploma to support your needed employment might result to having other applicant have the edge, especially the ones with an undergraduate education completed.
Nevertheless, for some of you who already have the Bachelor's degree and you still want to get more from your job financially, online graduate degrees are also available for you to consider. Having a completed Master's degree through a normal campus study as well as from any online graduate degrees program from reputable universities internationally will bring a lot of weight in any hiring and promotions that any individual aspire to have.
Having a higher salary and the relation it has on the educational attainment of an employee is truly correlated. Having the Master's degree in a field where you are involved means much more chances for a big amount of financial earning for you. The available online graduate degrees can be an answer for your desire or aspiration to get a higher paying job and even an instant promotion on your position.
Getting the right university to provide you with the online graduate degree is really a good investment for your future's career, as well as the undergraduate program available online. Getting the right information on the online programs for education is best to be gathered first to ensure the accredited certificate to be yours. Gaining ahead is what everybody wants in their career and to develop one's self will be a choice that can help you reach your dreams of doing it big in whatever field of career you are planning to pursue.


Universidad Nacional de Tucuman (UNT), created on May 25th 1914, is a public federal university located in Tucuman province, northwest region of Argentina with activities regulated by federal laws which grant funding and autonomous self government to federal public universities. The highest university authority is the University Assembly who is responsible for internal regulations and also appoints rector and vice-rector as head of administrative authorities. According to internal regulations, the government decisions are issued by University Council. Academics activities are organized trough faculties and high schools covering areas of science, engineering, humanities, and arts with a population of 70000 students. Since their foundation, UNT focuses on research as a main source of knowledge creation and international cooperation is a strategic issue in all research areas within UNT. In addition through diverse outreach programs, UNT keeps a systematic cooperation with society.


Tuatara, New Zealand, up to 60 cm (2 ft) long The tuatara is a reptile from New Zealand. It has no external ears, one of the characteristics of lizards, which it otherwise closely resembles. It is not related to lizards, but is the only member of an order of reptiles that lived on Earth in the early years of the dinosaurs, for which it is described as a "living fossil". It has a crest of skin down its back that can be raised as a threat. This feature gives it its name which, in the Maori language, means "peaks on the back".
The tuatara lives in burrows on about 30 small islands off the coast of New Zealand. Although tuataras can dig their own burrows, they often take over those made by petrel seabirds. They bask in the sun during the day and feed at night, hunting insects, worms and small lizards. They also eat the eggs and chicks of petrels. Some will even eat their own young.
Like lizards, tuataras can shed their tails when in danger and later regrow them. Males sometimes lose their tails in fights with other males during the breeding season.
Like turtles and tortoises, the tuatara is very long-lived. It becomes an adult at 20 years old, continues to grow until about 35 and may live for over 120 years. It probably has the slowest growth rate of any reptile.


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Clinical Research Coordinator at Baptist Cancer Center Shares Her Story
Mar 2 • 2020
Employee Spotlight: Candace Davis
The chance to improve lives is what inspired Candace Davis to pursue a career in breast cancer research. Davis, a clinical research coordinator at Baptist Cancer Center, began her role more than four months ago and hasn't looked back. Patience, compassion and communication are the tools she brings to work each day.
For Davis, the job is personal. She not only strives to help patients feel welcomed and informed when they volunteer in clinical trials but also honors the memory of her mother, who passed away from ovarian cancer when Davis was just 20 years old.
"My mom is my driving force," said Davis. "She's the reason I help patients with cancer and why I wanted to work in clinical cancer research."
Finding Hope After Loss
Clinical trials are research studies in which patients volunteer to test new drugs, devices or procedures. Doctors use findings from clinical trials to learn if promising approaches to cancer prevention, diagnosis and treatment are effective.
"When my mother passed away from stage 4 ovarian cancer, it felt like no one was around to give us information," said Davis. "They seemed too busy to stop and talk or offer insight into what was going on with my mom. I never wanted anyone to feel that way."
Shortly after her mother's death, Davis' cousins, Sasha and Cheryl, were diagnosed with breast cancer at ages 33 and 48.
"Luckily, my cousins caught it in time," said Davis. "They were another reason I wanted to be in research. I wanted to educate people and give them hope. I thought that if I could help a patient go through a clinical trial and thrive in life after the study — that would be worthwhile to me, even though I lost my mom."
From Cousin to Advocate
To support her cousins through their diagnoses and treatment, Davis educated herself about breast cancer. She wanted to learn as much as she could about the disease.
"When my cousins were diagnosed with breast cancer, I learned that higher amounts of estrogen in the blood are linked to an increased risk of breast cancer in some women," said Davis. "It also intrigued me to learn that African American women tend to be diagnosed with breast cancer at a younger age than white women."
Now as a clinical research coordinator, Davis helps educate and support patients involved in breast cancer trials.
"I'm there when patients follow up with their doctor," said Davis. "I get their lab work and talk to the pharmacy to make sure their medications have been prepared for chemotherapy treatment. I also make sure they're taking their medicine at home and answer their questions."
Outside of work, Davis is a wife and mother to three boys. She's passionate, organized and committed to her family and friends.
"Even when I'm not at work, I'm still telling people what to do," said Davis. "It's funny — most of my family members and friends might call me a little bossy, but it's out of love. I take care of them, eat with them and spend time with them — because we never know what tomorrow holds."
Davis urges everyone to prioritize their health and never skip checkups or screenings. She lives by a popular breast cancer awareness campaign slogan: "Keep abreast to save a breast." One mammogram could be the difference that saves or prolongs your life — the same things Davis fights for daily.
"The best thing about going to work is the possibility that one of your patients' lives may be prolonged because they were in your research study or used a device in your clinical trial," said Davis. "To look in their faces and see they know you're trying to prolong their lives — that feeling is everything."
Visit our website to learn more about Baptist Cancer Center. Find a doctor by visiting our Find a Doctor page.


How do Home Sellers Handle Multiple Offers?
Every home seller will handle multiple offer situations differently and it's important for home buyers to understand prior to submitting an offer what can happen if the seller does receive more than one offer. Below are 4 different ways a home seller may handle a multiple offer situation.
Many home sellers will request "highest and best" from every buyer who submits an offer on their home. So what does it mean when the seller requests "highest and best"? Basically, the seller is giving every buyer an opportunity to change their offer. This way they can submit their best offer by a certain day and time. A highest and best offer should contain the buyers highest purchase price they're willing to pay. Plus, highest escrow amount, least amount of contingencies, shortest contingency periods and best closing date.
It's important for home buyers to understand when they are instructed to submit their highest and best it's their only opportunity to change their offer. They should not expect the seller to counter their offer, think the seller will wait around past the deadline for their offer or that a full price will "win." It's not uncommon for other home buyers to offer well above list price in the tune of 1%-10% in a multiple offer situation because they really want the home, so offering $1 above list price might not cut it.
Not all sellers will disclose they have received multiple offers especially if one offer, in particular, stands out. So instead of requesting highest and best some sellers may choose to counter one offer and see if they can come to terms. Now a lot of home buyers don't understand why a seller wouldn't notify all parties that they received multiple offers and give them the opportunity to change their offer. However, in my experience some sellers don't want to risk losing an offer that has the potential to be perfect for an offer that may never come if they were to request highest and best.
Typically when a seller decides to counter one offer it's because there are only a few terms they'd like to change. Something simple such as price or close date, so they'll counter. When countering a single offer the seller may disclose to the buyer they received multiple offers. But are choosing to work with them first in hopes they'll agree to the changes. Some buyers will jump at the opportunity to avoid a bidding war and accept the sellers counter, but others won't. If the first offer doesn't pan out the seller may elect to counter a second offer and avoid requesting highest and best all together. Not every seller wants to go the highest and best route.
With multiple offers being commonplace in many parts of the country some home buyers will submit their "highest and best" offer from the start in an attempt to get the house and avoid a bidding war. Sometimes this tactic works; the seller will accept the offer as written and not entertain or view any of the other offers. Both parties usually look at it as a win-win, but when this happens it tends to leave the other buyers who submitted an offer extremely disappointed that they didn't get a chance to negotiate or change their offer.
It's rare, but sometimes a seller may choose to do absolutely nothing. I've only encountered this situation once, the seller didn't feel they had to do anything. They assumed if a buyer really wanted their home they'd chase them. This definitely isn't the norm, but in this case the buyer whose offer was accepted did chase them because they really wanted the house.
Home buyers need to understand the real estate market and what they can expect. If they're in a hot market where homes are receiving multiple offers they'll probably want to submit their highest and best offer from the start. This is where working with a top Realtor who specializes in the area can greatly benefit a buyer. Their agent will not only be able to guide them through the process, but also educate them along the way.
Please consider spreading the word and sharing; How do Home Seller's Handle Multiple Offers?
Are you a home seller looking to generate multiple offer? Kyle Hiscock provides excellent advice on how home sellers can achieve this.
Many home sellers aren't sure how to handle a bidding war, but Bill Gassett goes into great deal exactly how this situation can and should be handled.
Is the highest offer the best offer? Conor MacEvilly answers this very popular question, which a lot of home sellers may be surprised by the anser.
The above real estate article "How do Home Seller's Handle Multiple Offers?" was written by Michelle Gibson of Wellington Florida Real Estate. Specializing in residential real estate since 2001 in Wellington and the surrounding area. Not only does Michelle assist buyers and sellers, she assists landlords and tenants too. She would love to share her expertise and guide you through the entire real estate process.


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Why Guyana's rainforests are a scientist's dream
Image source, Andrew Snyder
Andrew Snyder came across an electric blue tarantula in the rainforest of Guyana
By Carinya Sharples
When herpetologist Andrew Snyder's flashlight landed on something bright blue in the rainforests of Guyana, South America, he stopped and took a closer look.
It turned out to be a blue tarantula of the Ischnocolinae subfamily, a species most likely unknown to science.
"It was very exciting to say the least," says the PhD candidate from the University of Mississippi.
"I had no idea that it would turn out to be such a stunning tarantula but I'm glad that I went with my instincts to double check."
Mr Snyder made the discovery during a biodiversity assessment team survey led by World Wildlife Fund (WWF) Guianas and Global Wildlife Conservation.
In total, the researchers found more than 30 species that are likely to be new to science.
Guyana is home to many unusual species such as Stefania evansi, also known as the Groete Creek Carrying Frog, which rears its offspring on its back until they are ready to fend for themselves
These include six species of fish, three plants, 15 aquatic beetles and five odonates, better known as dragonflies and damselflies.
The Kaieteur Plateau-Upper Potaro region, where the survey took place in 2014, is a rich habitat for spectacular and endangered species such as the Tepui swift, the jaguar, the Guianan cock-of-the-rock, the white-lipped peccary and the golden rocket frog.
It is also home to many species that are endemic to the Guiana Shield and Guyana specifically.
Sharing expertise
The team behind the research comprised scientists, field support assistants and experts from Brazil, Canada, the US and, of course, Guyana.
The survey was all about team work. Here they discuss where to set up camera traps.
In this survey, for example, the lead of the water-quality team and one of the senior members of the fish team were Guyanese while the community field assistants included residents of Chenapau, an indigenous village located near to the research site, as well undergraduate students from the University of Guyana.
One of those students was Nelanie La Cruz, who recently returned to Guyana after completing a Master's degree in aquatic science at University College London.
"They asked if I wanted to assist the scientist studying water beetles and I was really excited by that," she said.
"I and another student worked with him for about three days or so, then he left us to continue doing the collection. It was very cool, a definite boost to the confidence."
"We're investing in bringing in new blood and expertise to organisations like ours," explains Aiesha Williams, WWF Guianas country manager for Guyana.
"Working in partnership with other scientists from different parts of the world can help build the capacity that we have here and ensure a kind of exchange."
Experts in their field
Without expertise and logistical support from local residents, navigating the remote Kaieteur National Park, the oldest protected area in the Amazon, and the Upper Potaro region would have been near impossible.
"People on the ground know a lot more than you going in [to the field]," says Ms Williams. "They know a lot about the area, the biodiversity, its uses… it is part of their lives and livelihoods."
Through these local partnerships, WWF Guianas also plans to address environmental concerns such as the impact of gold and diamond mining on the water and biodiversity of the region, often a heated topic given the reliance of many residents on natural resource extraction.
The researchers are worried about the impact mining could have on aquatic ecosystems
It is hoped that the documentation of the biological diversity will allow Kaieteur National Park wardens, officials from Guyana's Protected Areas Commission and residents themselves to make more informed decisions about land use and management of natural resources.
Due recognition
Although WWF Guianas says it recognises the important role of indigenous people, equal status is not always given to non-academic scientists by environmental and conservation groups both inside and outside of Guyana.
Image source, Juliana Persaud
The spectacular Kaieteur Falls, where the Potaro River cascades down 741 feet, is located within Kaieteur National Park
"Academics have used our knowledge of our lands and living things in them to promote themselves and the general science," says Laura George, governance and rights coordinator of the Amerindian People's Association in Guyana.
"It is time that they acknowledge indigenous peoples as the first and true scientists."
One way to involve indigenous science, suggests Ms George, is to give space in official reports for local names, such as Camaliya, the word for Tepui swift in the Patamona language of Chenapau.
Another, she says, is providing more opportunities in higher education.
"While the report makes mention of residents who contributed to the expedition, there is no substantial sustainability to support indigenous peoples in being recognised or towards becoming 'academic scientists'."
"These researches must support outcomes that support and respect indigenous peoples as the true and first knowledge holders and the true protectors of the lands."
New alliance emerges in Amazon forest
Hundreds of new species found in Amazon
Treasure trove of new plants revealed
Guyana tribe goes hi-tech to protect its land
First images of new Amazon coral reef
The Guyana tribe in search of a lost identity
UK economy only G7 nation to shrink in 2023 - IMF
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Joe Biden rules out sending Ukraine F-16 jets
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'They call us garbage people'
How worker surveillance is backfiring


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The Tale of Honour
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Amazon's Director, JA Bayona, Leaves New Zealand
Speculated by The Independent, and inspired by a very Hobbity photo from director JA Bayona, one can assume…
Category: Television
Speculated by The Independent, and inspired by a very Hobbity photo from director JA Bayona, one can assume Season 1 of Amazon's Lord of the Rings series has concluded New Zealand filming.
A post shared by JA Bayona (@filmbayona)
Continue reading "Amazon's Director, JA Bayona, Leaves New Zealand"
Amazon TV series
Fabian McCallum
Lloyd Owen
Benjamin Walker is an accomplished actor who has truly done it all. His resume includes acting and singing on the big screen, television, and on-stage. He has performed his stand-up comedy show Find the Funny all over the U.S., and he's even played two U.S. presidents.
Continue reading "Amazon Casting: Benjamin Walker"
And then there were three… Our latest delve into Amazon's casting brings us to British actor Lloyd Owen.
Continue reading "Amazon Casting: Lloyd Owen"
As we draw nearer to the end of our closer look at all twenty of the recently announced (or confirmed) castings from Amazon, staffer greendragon brings us up to speed with the incredibly impressive career of Scottish actor and film maker Peter Mullan.
Peter Mullan
Continue reading "Amazon Casting: Peter Mullan"
Augustus Prew is a London-born actor who started his career as a child, getting his first big break in the acclaimed film About a Boy, followed by appearances in several TV shows. His next big film role was that of Robin De Noir in The Secret of Moonacre, where he plays a rather eccentrically dressed young man who looks surprisingly like a Lost Boy.
Continue reading "Amazon Casting: Augustus Prew"
In today's spotlight, we feature two actors with roles in Amazon's Middle-earth series, both versed in theater and film – Alex Tarrant and Fabian McCallum.
Alex Tarrant and Fabian McCallum cast in Amazon's The Lord of the Rings Series
Continue reading "Amazon Casting: Alex Tarrant and Fabian McCallum"
Alex Tarrant
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The Hillywood Show®@HillywoodShow·
It's one of our favorite parodies!! 😭✨ https://twitter.com/nienotheater/status/1351677139284877312
Tolkien Professor@tolkienprof·
Exploring the Lord of the Rings, Session 171 https://www.pscp.tv/w/ctZHeTFNV0V3TUFZUkp4S2J8MVJER2xQa3ZnckVHTBNVmOT3O2LgVIHYnFjPZDkjvmxtNcbtWDeTJMCW7VUZ
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😮 Things are getting real over at http://youtube.com/NerdoftheRings ! Might cross 100k tonight!
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BAFTA Los Angeles Britannia Awards
By Julia Neel 5 November 2010
A HOST of stars from both sides of the pond congregated at the Hyatt Regency in LA yesterday for the 2010 BAFTA Los Angeles Britannia Awards. Carey Mulligan was on hand to present an award wearing a two-tone dress, while Dakota Fanning, Marion Cotillard and Olivia Wilde kept the glamour levels high. SEE ALL THE PHOTOS Frost/Nixon star Michael Sheen was awarded with the Britannia Award for British Artist of the Year, while Jeff Bridges took home the Stanley Kubrick Britannia Award for Excellence in Film.
Former Golden Girls star Betty White received the Charlie Chaplin Britannia Award for Excellence in Comedy at the ceremony, which honoured those who have made an outstanding contribution to the entertainment industry both in America and Britain.
SEE ALL THE BRITANNIA AWARDS ACTION HERE
NOVEMBER 2010 - Carey Mulligan.
SEE THIS WEEK'S BEST CELEBRITY PHOTOS
NOVEMBER 2010 - Dakota Fanning.
NOVEMBER 2010 - Rosario Dawson.
NOVEMBER 2010 - Marion Cotillard in Elie Saab.
NOVEMBER 2010 - Olivia Wilde.
NOVEMBER 2010 - Yvonne Zima.
NOVEMBER 2010 - Betty White was awarded with the Charlie Chaplin Britannia Award for Excellence in Comedy.
NOVEMBER 2010 - Eliza Bennett.
NOVEMBER 2010 - Hailee Steinfeld.
NOVEMBER 2010 - Izabella Miko.
NOVEMBER 2010 - Jeff Bridges - who won the Stanley Kubrick Britannia Award for Excellence in Film - with his wife Susan.
NOVEMBER 2010 - Jane Lynch presented Betty White with her award.
NOVEMBER 2010 - Kirsten Lea.
NOVEMBER 2010 - Kevin Spacey.
NOVEMBER 2010 - Martin Sheen won the Britannia Award for British Artist of the Year.
Carey MulliganMarion CotillardPeople & Parties
Finally! Elle and Dakota Fanning Will Play On-Screen Sisters For The First Time
By Allyssia Alleyne 6 December 2019
BAFTAs 2020: Everything You Need To Know
By Hayley Maitland 7 January 2020
The 5 Funniest Memes And Moments From The 2020 Golden Globes
By Gabe Bergado 6 January 2020


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January Jones Talks Plastic Surgery, Insecurity, and Mad Men Makeup
January Jones Quotes on Beauty and Plastic Surgery 2011-04-07 17:32:00
April 7, 2011 by Lacey Gattis
January Jones isn't one to pull punches, and in the May 2011 issue of Marie Claire UK, she talked about experiencing bullying because of her beauty. This isn't the first time she's spoken openly about the price of being pretty and her own insecurity, though. To see some of January's most forthright beauty quotes, just keep reading.
On acting and her insecurities: "'I'm afraid of judgment and I couldn't think of a job where you're more open to judgment, more exposed," January told Marie Claire. "I always have to face my fears."
On why she became a model: "[It was about ] showing all those b*tches in high school who said I wasn't pretty enough," January told GQ back in 2009.
On why she gave the above quote: "It sounds like something I might have said when I was, like, 15," January explained to Marie Claire. "The b*tches in high school were b*tches because I was pretty," she further added.
On how much makeup she wears for Mad Men: "Not as much as some people," January said in an interview with Vanity Fair. "We've got mine down to about an hour and a half. I don't wear too much makeup; I just wear lipstick and a little bit of eyeliner."
On her resemblance to Grace Kelly: "I've been offered a couple of TV movies playing Grace Kelly and there was no way I would touch them with a seven-foot pole," she told The Times Magazine back in March.
On plastic surgery: "It makes you feel good about yourself, although I wouldn't have anything done to my lips," January also explained to The Times. "I wouldn't be averse to having something pulled back and up, but I can't deal with the idea of my skin being taken off my face."
Image Source: WireImage


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Dr. Manny: Are we losing the war on Zika?
By Manny Alvarez, ,
Palm trees are reflected in puddles after a torrential downpour in the South Beach part of Miami, July 18, 2014. (REUTERS/Carlo Allegri)
It would be premature to say that we are losing the war on Zika, but we have certainly lost our fair share of battles. The cases of local transmission we now see in the Miami area are certainly an indication that we should be gravely concerned about our tactics in keeping our residents safe. It is foolish to think that with the tropical weather in Florida, and the large amounts of rainfall in the region, the mosquito issue will be a temporary problem.
More than 15 million tourists flock to the greater Miami area annually, bringing with them about $24 billion in revenue. Among those millions of tourists are visitors from other countries currently reeling from ramifications of the Zika virus, like Puerto Rico, the Dominican Republic and Mexico. Failure to monitor the health of tourists arriving at our southern borders will only accelerate the issues in Florida and help it spread to nearby states.
One of my greatest fears is that many people are not taking the Zika virus and its various health implications seriously. In Puerto Rico, 30 individuals have been diagnosed with Guillain-Barre syndrome; a rare, paralyzing condition that Centers for Disease Control and Prevention (CDC) director Tom Frieden predicts will strike as many as 200 more. Officials issued travel advisories to Puerto Rico and several other regions as a means to protect tourists from being exposed to the virus' dangers. This is not a panic-driven hysteria; the medical evidence of the potential damage this virus can cause is obvious.
While Zika may not affect an average age male or female who is otherwise considered healthy, data suggests the virus causes mild symptoms in as many as one in five patients. Even for those who are symptomatic, recovery is typically quick and individuals may not realize they even had a viral infection. But to weigh those odds against what the virus has the potential to do to an unborn child is irresponsible. For prospective parents, it is not a guarantee that you will present symptoms once you become infected, and the risk that your undetected infection poses to your unborn child involves life-altering, irreversible neurological defects.
Officials identify Miami's South Beach as second site of Zika virus transmission
Study in mice shows Zika virus also attacks adult brain cells
Study sheds light on how Zika infects the placenta
Each year more than 3 million babies are born in the United States alone. To write the virus off as a localized issue would be reckless. The folks at the CDC, as well as state health agencies and local offices must work together to come up with permanent remedies for the virus. That includes a safe and effective vaccine. The federal government must prioritize this concern and organize itself so Zika does not become a chronic health issue for pregnant women in this country. If we allow that to happen, we may see universal Zika testing for all expectant mothers, which could have dire implications for the medical community. In addition to rising costs, we will struggle to meet the demand for manpower and effective technology to address an issue that should have been contained from the start.
I'd also like to know what involvement the federal government has in providing Zika-related relief in neighboring nations and territories. We don't hear enough about the progress being made in these regions, and the statistics indicate the number of cases is continuing to increase rather than decrease. In Miami, though the number of cases is small compared to other outbreaks, it is still real enough to be quantified by officials and requires travel advisories.
While the afflicted areas are likely to take a hit in the tourism industry, I believe strongly it's a hit worth taking. The advice from obstetricians to prospective parents and pregnant women will be to avoid these areas, and think twice about spending an elongated period of time there. Statistically, the odds may be in your favor when visiting areas like Miami, where cases are being sporadically reported, but there truly is no guarantee.
Let us hope, whether it be for the sake of our nation's health or economic needs, that everybody continues to rally behind finding a solution in the Zika crisis and controlling the mosquito population. To win the war on Zika, we will need officials to continue being transparent with the American public as more information about reported cases becomes available, and we will need other countries fighting the virus to put economic concerns aside and be forthcoming with their reported health issues.
Dr. Manny Alvarez serves as Fox News Channel's senior managing health editor. He also serves as chairman of the department of obstetrics/gynecology and reproductive science at Hackensack University Medical Center in New Jersey. For more information on Dr. Manny's work, visit AskDrManny.com.
https://www.foxnews.com/health/dr-manny-are-we-losing-the-war-on-zika


Prawns are every non vegetarian's favorite seafood and exactly opposite is not so favorite Papaya!
So in today's Masala Trail's episode, Chef Sneha Nair, teaches you how to make a delicious Prawn Curry with the blend of Raw Papaya. So watch the video and learn how to make Prawn Curry in Kerala style.
- Pour cocnut oil in a pot and add some curry leaves and chopped onions.
- Add prawns and cook them until they turn white.
- Put on low flame and once cooked add the left out coconut milk.


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"Even the most accurate model data isn't of much use unless it's presented well. My goal is to provide clients with useful, well-designed products that may help them plan ahead in an efficient manner."
Jessica began studying meteorology at North Carolina State University in 2009. Having interest in meteorological communication, Jessica heavily considered a broadcast career upon graduation; however, she decided to continue her education at NC State, and completed a Masters in meteorology in 2016. Her graduate research focused on the environmental conditions of cool season severe thunderstorms, as well as improving forecast communication to the general public. She also worked with National Weather Service offices all across the eastern U.S. throughout her 2.5 years as a graduate student. Her main interest now is improving meteorological communication. She is dedicated to producing the best, most efficient products possible for clients, including the incorporation of client suggestions and requests.
Jessica is dedicated to producing the best, most efficient products possible for clients, including the incorporation of client suggestions and requests.


Durban enjoys a subtropical climate, with very hot, humid summers and mild to warm winters. Rain is frequent during the summer months, but comes in the form of thunderstorms in the afternoons, so the sunny holiday weather is not badly affected. In winter temperatures are more comfortable but still warm enough for beach-going.


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Retro Gaming Poll - What is the best console of all time?
The winner as per the Poll is the Super Nintendo Entertainment System!! Congratulations to Nintendo for this huge win! Trophy is in the post!
The Super Nintendo Entertainment System is Nintendo's second home console, following the Nintendo Entertainment System (NES). The console introduced advanced graphics and sound capabilities compared with other consoles at the time. Additionally, development of a variety of enhancement chips (which were integrated on game circuit boards) helped to keep it competitive in the marketplace. Via the Super FX chip, the SNES was able to run some of the first three-dimensional video games on consoles, beginning with Star Fox.
This is our first community poll and what a way to start. The best console of all time as voted for by you wonderful people.
We hope you don't mind but to save on space and load times we have condensed the list a little, we have instead added an "Other" option at the bottom.
If you choose this option then please tell us which console it is by adding a comment at the bottom.
So now its time for me to close my mouth and let the options do the talking.
One Response to Retro Gaming Poll – What is the Best Console Ever?
The only one I want to vote for isn't on the list. Gah. Other just doesn't do it justice. Amiga 500.


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Gastrophanella cavernicola is een sponssoort in de taxonomische indeling van de gewone sponzen (Demospongiae). Het lichaam van de spons bestaat uit kiezelnaalden en sponginevezels, en is in staat om veel water op te nemen.

De spons behoort tot het geslacht Gastrophanella en behoort tot de familie Siphonidiidae. De wetenschappelijke naam van de soort werd voor het eerst geldig gepubliceerd in 2000 door Muricy & Minervino.

Gewone sponzen

redpajama_set_name: RedPajamaWikipedia


All machines in Komatsu's current iMC line-up – covering the PC210LCi-10 excavator, and D61EX/PXi-23, D65EX/PXi i-18, D85EX/PXi i-18 and D155AXi-8 dozers, share some common features.
• Automated blade and semi-autonomous control, from bulk excavation to final grades.
• Integrated factory-installed Komatsu machine control system, with all components locked away inside, so they are highly secure from damage, vandalism and theft.
• Multiple automated dozing modes, with auto grade assist, auto stop control and minimum distance control for the excavator, ensuring jobs are finished faster, more accurately and with minimal rework, so you move dirt once, first time every time.
• Conventional "bolt-on" machine control components are replaced with fully integrated factory-installed GNSS antennas, enhanced inertial measuring unit (IMU+) and stroke sensing hydraulic cylinders, ensuring Komatsu reliability, durability and quality.
• Exclusive cab-top (dozer) and handrail mounted (excavator) GNSS antennas greatly reduce the risk of damage, theft or vandalism associated with conventional blade and counterweight mounted antennas and cables – while ensuring greater accuracy through more stable GNSS antenna positioning.
• Chassis-mounted enhanced inertial measuring units (IMU+) measure machine pitch and roll to enable precision work equipment control, even when working on slopes.
• Robust stroke-sensing hydraulic cylinders use proven sensor technologies for accurate finish grade performance, allowing the iMC system to constantly track the angle and location of the blade or bucket edge.


As I've mentioned in the past, I'm the principal UK expert (yes, the "PUKE") for ISO TC68/WG4, the ISO working group that has produced an updated version of the ISO 20022 standard. ISO 20022 is standard for defining messages based on definitions in a central repository, with a focus on banking and finance. Those of you whose are involved with financial messaging via the SWIFT network will have used ISO 20022 messages whenever you use one of the XML "MX" series messages. WG4 has produced a 2009 version of ISO 20022; it is currently a committee draft which has gone to TC68 for an international vote, so it is not yet an approved version; the current approved version is the original 2004 version.
My particular interest in ISO 20022 is in the part that describes how to generate XML Schemas from UML models. I like the repository based approach where you can share components between related messages, but don't have to implement that sharing at the Schema level, with includes and imports. ISO 20022 has one Schema file per message, and that makes life easier than if you have to get people to set up a hierarchical directory of cross-linked Schemas correctly.
I wrote an XML Schema generator for the current 2004 version of ISO 20022. That generator works with XMI (UML in XML) files produced by Enterprise Architect (from Sparx Systems), and is implemented as a series of XSLT scripts.
For the new 2009 version of ISO 20022, the good people at MagicDraw donated licences for WG4 to use their UML editor, and so MagicDraw is the UML editor that was used to develop the new metamodel and UML profile. For this reason, for my new implementation I decided to target MagicDraw (I might support other UML editors too, later, depends on how many requests I get).
I decided to continue with my previous approach, working from the XMI, this time using a mix of XQuery and XSLT. XMI is a rather generic XML format that can be hard to read and understand, so I consider it error-prone to try and generate XML Schemas from the XMI directly. Instead, I distill the XMI into a much simpler XML format which reflects the structure of the ISO 20022 metamodel, an "XML DSL". I then process that simpler XML file to generate Schemas or anything else. So, the plan was to use an XQuery to generate the simple XML, and then XSLT to generate the Schemas (there are some things that are easier in XSLT than XQuery).
However, it turns out that the latest XMI 2.1 standard is loose around how UML stereotypes (user annotations) are represented. So, after some failed attempts at "reverse engineering" how MagicDraw represents stereotypes in XMI, I decided I needed a different approach. Instead, I am using the MagicDraw Open API to read the contents of an ISO 20022 UML model. This means I need to be using a Java program, or something that runs on a JVM.
Java itself isn't great for XML, in as much as the code tends to end up rather more verbose and unreadable than it need be. I tried Groovy, which has some reasonable support for XML, but moved away from that because the XML support is incomplete. It seems that in a number of languages, the people who implemented the XML library didn't really like XML, so they decided to only implement support for the parts of XML that they thought were worthwhile. For users, that causes nothing but problems.
What I am currently using is Scala, which is convenient because you can just start typing XML as the value of a variable in the middle of a program, and Scala knows what to do. I've now written the code to generate the simple XML format. It hasn't been as easy as it should have been, because Scala support in IDEs is still weak (I use Intellij), and because Scala's integration with Java is good but not as good as it could or should be. For example, Scala avoids the use of null values. It does have some support for them because it needs that to work with Java libraries. However, at times when Java code would give me a null pointer exception, I find my Scala code just hangs, leaving me with a lot of searching to do to find what went wrong and where. Still, the code is more readable than Java, and things can only get better, so I'm planning to stick with Scala for this.
Once I have XML Schema generation done, the next thing to look at is ASN.1. ASN.1 ("abstract syntax notation") is an ISO standard for designing messages that predates XML, and has been most widely used in the telecommunications industry. Note that I wrote in a previous post that ASN.1 was the format used for ISO 15022 messages (more-or-less the predecessor to ISO 20022). That was wrong, I want to point out; somewhere along the line I got the wrong idea, and in spite of my saying it in a number of WG4 meetings, only recently did someone from SWIFT point out that I was mistaken.
Anyway, WG4 has added support in the 2009 version of ISO 20022 for ASN.1 as an alternate message syntax to XML Schema. Now, ASN.1 itself is actually multi-syntax. There are a couple of binary encodings it supports, plus there is a more recent XML encoding. The ISO 20022 profile of ASN.1 has been constructed so that, as closely as possible, an XML message that is valid according to the XML Schemas will also be valid as an XML encoded ASN.1 message, and vice-versa. Since ASN.1 messages also have a binary encoding, this new ASN.1 support means that ISO 20022 will have an official binary encoding as well as the existing XML encoding. It will be interesting to see how the usage of XML versus binary ISO 20022 messages goes over the next few years; banking and finance applications have size and latency challenges for which plain-text XML often isn't suitable.
I should be able to generate the ASN.1 grammars for the messages from the same simple XML that I use to generate the Schemas. Doing so will show that the simple XML genuinely decouples that back-end code generators from the format of the input UML model; that's something I need to have the possibility to support UML editors other than MagicDraw in the future.
If any of this interests you, either ISO 20022 or my work on Schema and other generators for ISO 20022, feel free to get in touch.