text:
Home > BIG Team > BIG Staff
Dominique Halaby, DPA
Director, Business Innovation Group
Dominique Halaby, D.P.A. is the Director of the Business Innovation Group (BIG) at Georgia Southern University. This includes the Center for Business Analytics and Economic Research, Center for Entrepreneurial Learning and Leadership, Small Business Development Center, EDA University Center, Innovation Incubator and Georgia Southern Fab Lab. In 2015, BIG was recognized as a Gold Award Winner in Entrepreneurship by the International Economic Development Council.
Dr. Halaby is also overseeing the development of Georgia Southern University's City Center. The City Center is a joint initiative between Georgia Southern University, the City of Statesboro, and the Downtown Statesboro Development Authority to foster innovation and entrepreneurship in Bulloch County. In addition, he is working with the Hinesville Development Authority to construct a second City Center in downtown Hinesville.
Prior to joining Georgia Southern, he served as the Director of the Center for Community and Business Research at the University of Texas at San Antonio's Institute for Economic Development. Dr. Halaby spent most of his recent career building a non-profit organization in the Rio Grande Valley (RGV) dealing with workforce and economic development. He successfully secured over $35 million in funding, including one of the largest federal training grants awarded in South Texas. Under his leadership, the organization was recognized in 2003 by the Society for Human Resource Management as The Best to Place to Work in Hidalgo County for companies with less than 100 employees. He was successful in achieving broad collaboration in the RGV among healthcare providers and educators to strengthen home-grown approaches to meet their skilled workforce needs, and in several community planning and antipoverty initiatives. These projects won awards as national finalists for the Economic Development Administration (EDA) Best Practices in 2003 and 2006, as well as being recognized by the Texas Workforce Commission as the Transitional Workforce Award recipient in 2004. In addition, Dr. Halaby served as Interim Director of the Rio Grande Regional Center for Innovation and Commercialization and assisted public universities in South Texas and new business ventures in accessing the $200 million Emerging Technology Fund.
In addition to serving on the APLU's Commission on Economic and Community Engagement Executive Committee, Dr. Halaby currently serves as a board member of several other entities including the University Economic Development Association, Spaceport Camden and Statesboro Convention and Visitors Bureau.
Office Location: Innovation Incubator 1006
E-mail: dhalaby@GeorgiaSouthern.edu
Link: Curriculum Vitae
Michael Toma
CBAER Director
Dr. Michael Toma is the Fuller E. Callaway professor of economics at Georgia Southern University in Savannah. He specializes in macroeconomics and regional economics. He has a Ph.D. in Economics from George Mason University in Fairfax, Virginia and joined Armstrong State University in 1997. He now directs Georgia Southern's Center for Business Analytics and Economic Research. He is the recipient of teaching and research awards and currently serves as President of the Academy of Economics and Finance, an organization of academic economists and finance professors.
Office Location: Hawes Hall 212
E-mail: michael.toma@georgiasouthern.edu
Benjamin McKay
Assistant Director of Research, CBAER
As a member of the Center for Business Analytics and Economic Research (CBAER) team since 2007, Ben McKay has led numerous research projects throughout Georgia. These projects include economic impact analysis, market research, survey research, data analysis, strategic planning and community needs assessments. These projects have been used by clients to secure external funding from public and private sources, increase their profile, identify market demand, determine project and policy feasibility, and aid in their efforts to plan for the future. Many of these projects have had positive job growth and retention as outcomes.
McKay currently holds a Master of Public Administration degree from Southern Illinois University at Carbondale and a Master in Business Administration from Georgia Southern University. Additionally, McKay has professional experience in state and local government as a manager in the private sector.
Office Location: BIG 1001D
E-mail: bpmckay@georgiasouthern.edu
Valerie McElveen
Area Director, Small Business Development Center
Valerie McElveen has deep Georgia Southern roots – as she received her MBA from the university in 2015 and she previously worked for the university as an accountant during 2012 and 2013. She is excited about returning to the GS family and being part of the SBDC statewide network.
McElveen brings a wealth of experience and knowledge about small business operation and growth to her new role as a consultant. Her experience at the university and in the private sector is invaluable to the small business owners in Bulloch County and the surrounding area. She received her BBA in accounting from Eastern Michigan University and her MBA from Georgia Southern.
Office Location: BIG 1001A
E-mail: vcote@georgiasouthern.edu
Prior to connecting with the Small Business Development Center, John Myers was involved with consulting marketing services companies on their reiteration and new business development processes. He has expanded the revenues of companies in the medical, information technology, business services and manufacturing industries as a sales professional. Myers now puts his experience at small and large companies to use assisting veterans and their family members start and operate their own businesses.
Myers holds a Master of Business Administration degree from Georgia Southern University Parker College of Business and a BA in biology from the University of Colorado, Boulder.
Office Location: BIG 1001G
E-mail: jmyers@georgiasouthern.edu
Santanu Majumdar
FABLAB Director
Santanu has lived in India, England and now in the USA. During this time, he worked with designers, craftsmen, engineers, architects and professionals of all these nations. Santanu gathered experience in print production, exhibition, retail, packaging, signage system, short films, interactive and game design. He speaks four different languages.
Santanu is a TEDx speaker and has presented various papers on design education, sustainability, mentoring and collaborative research in several distinguished national and international design conferences. He has received several national as well as international awards and grants during his career in the industry and academia. Some of the awards are – GAMG (Georgia Association of Museums and Galleries) for designing a permanent exhibition on Bulloch County Military Heritage, American Graphic Design Awards, AAF – ADDY's (American Advertising Federation), Adobe Design Achievement Awards, Awarded gold & silver medal for best display and design at the International Trade Fair and Awarded gold in International Cooking Competition. He have presented various papers on design education for the millennial generation, sustainability in design, collaborative research projects and mentoring in several double-blind peer-reviewed distinguished national and international design conferences such as AIGA, UCDA Design Education Summit, RGD – Design Educators Conference, Toronto, Mentoring Conference, New Mexico, The Learner Conference, New York, USG Teaching and Learning Conference, Athens, Design Principles and Practices Conference, Vancouver, Making Futures – International Research Conference, Devon, U.K., IDEMi – The International Conference on Integration of Design, Engineering and Management for Innovation. University of Porto, Portugal, Critical Thinking Conference, Teaching and Learning Expo, DDEI – Designing Design Education For India Conference, Pune, India and will be presenting his paper Thinking Through Making at the Design Principles and Practices Conference 2019, St. Petersburg, Russia.
Santanu was engaged in various design projects for well-known organizations like the United Nation (UN), United Nations International Children's Emergency Fund (UNICEF), United Nations Development Program (UNDP), Help the Aged, UK, Design C, J. Walter Thompson (JWT), Tesco Super Markets, Londis Super Markets, Day Lewis Pharmacy, Munro Pharmacy, Government of Madhya Pradesh, and Government of India.
Office Location: BIG FabLab
E-mail: smajumdar@georgiasouthern.edu
Suzanne Hallman
Assistant Director of Entrepreneurship Education
Suzanne Hallman organizes and manages many of the Business Innovation Group's student events and programs. She also recently received her National Business Incubator Association (NBIA) Incubator Management Certification.
Hallman studied HR management at Georgia Southern, receiving an MBA in 2003. She commuted to Savannah for work in staffing for five years while in college and after finishing her degrees. She began working for Northland Cable Advertising in 2007, helping companies build marketing campaigns. In 2010, Hallman helped her husband start a small video production company, Stouthouse Media. She used her business management and networking skills to help Stouthouse grow, gaining invaluable experience in entrepreneurship along the way. Hallman was hired in August 2013 as Business Advisor for the virtual incubator program, GENIE, at Georgia Southern University. She is excited about this opportunity to put her degrees and experience to work to help build the entrepreneurial ecosystem in the region.
Office Location: BIG 1001E
E-mail: shallman@georgiasouthern.edu
Nancey Price
Nancey Price oversees the daily administrative and facilities operations at the Business Innovation Group. She received her BA in Women's & Gender Studies from Mercer University in 2015 as well as a Certificate in Public and Nonprofit Management from Georgia Southern University in 2017. She is currently pursuing her MPA in Nonprofit Management from Georgia Southern.
Office Location: City Campus
E-mail: nprice@GeorgiaSouthern.edu
Alan is more than familiar with Statesboro, having attended Georgia Southern University. After graduating, Alan moved to Atlanta and worked for UPS in their logistics services where he developed an interest in real estate. Following his time at UPS, Alan began a career in real estate as an appraiser. He has since held positions with the Georgia Department of Banking as well as the Georgia Real Estate Commission, where he investigated cases of fraud and ethics.
After 13 years in Atlanta, Alan has returned to Statesboro and is now the sole owner of Alan Gross Properties as well as a developer of residential rental property. His work requires him to compile and present detailed business plans to demonstrate the feasibility of potential projects. His duties include accounting, budgeting, marketing, maintenance and customer service. He additionally volunteers as the treasurer of the Downtown Statesboro Development Authority.
Office Location: Innovation Incubator
E-mail: alan@optionrealty.net
Score Mentor
David Miller was born in St. Louis, Missouri, and received his BBA degree in Management from the University of Texas. After graduation, David began a successful 41-year career in the corrugated packaging industry with Packaging Corporation of America, one of the top five companies in the industry. About a year ago, David decided to retire to live with his family full time in Statesboro. However, he wanted to do something that would allow him to "give back" and share his extensive business experience with others. When David's Statesboro friend, Jeff Graham, told him about the work that SCORE does mentoring aspiring entrepreneurs and small business owners, he knew he had found the right fit.
E-mail: dmiller703@aol.com
Gloria Strauthers
Gloria Strauthers is a native of Brookhaven, MS where she was an Honor Graduate, Class Secretary and Track and Field star at Brookhaven High School. In 2014, Gloria relocated to Brooklet, GA and became an Assistant Director at Georgia Southern.
Since the age of 12, Gloria's dream was to own her own business and follow in the path of her father. In 2016, Gloria decided to "take the plunge". She retired from full-time employment and began to pursue her dream and purpose to become a business owner and entrepreneur.
Gloria is now Principal of her own management consulting firm, Exodus Management and Consulting, LLC. Exodus provides management consultative services to corporate leaders to help them become more effective in their roles. Gloria is also an Independent Certified member of the highly respected John Maxwell Team of global Speakers, Trainers, and Coaches.
E-mail: gloria@exodusllc.net


Is RVing a passion for you? Thoughts of camping make you smile? Are you ready for five glorious days of all things RVing and camping?
Once again, America's Largest RV Show is coming to the Giant Center in Hershey. Feast your eyes on over 1,300 of the recreational world's newest RVs and camping gadgets and accessories. Forty-four manufacturers will present their most current models…really, something for everyone, thousands of accessories to choose from, countless service providers and free, hourly educational seminars.
Educational offerings will run the gamut of topics for novice to experienced RVers, the RV Doctor Gary Bunzer will be on hand with his top ten maintenance tips, available will be John Holod's Adventure Videos to help plan your next journey, and Bob Marx will share tips about choosing the right RV for you.
Senior Citizen Day (55+) is September 10, when seniors can get half priced tickets.
Veterans receive $1.00 off regular priced admission with a valid veteran or active duty ID every day of the event.
Book now at 1825 Inn Bed and Breakfast right next to Hershey PA….the perfect place to rest after walking the RV show!


According to several popular reports around the web, it seems like GitHub is having internal issues about the direction in which the company should go forward. This news comes shortly after the famed open letter, which addressed the manner in which GitHub has been treating the non-premium projects hosted through it.
The debate seems to revolve around two heads: on one hand, the upper management of GitHub is keen on focusing more on enterprise contracts, whereas there are some at GitHub who wish to develop the service to make it more suited for the average developers and coders around the world.
Of course, if either side wins the argument, it will mean a gigantic policy change for GitHub. Looking solely at the enterprise clientele would mean GitHub might lose out on its apex position as the developers' best friend, whereas targeting less of enterprise and more of development would mean GitHub might face profitability issues somewhere down the line. It is also worth noting that GitHub has, so far, been profitable by offering solutions for enterprise clients, whereas keeping its services free for the average user.
Viewing these reports in the light of the recent open letter written by GitHub users, these internal debates do seem to have legitimacy. As a $2 billion startup, GitHub is surely not in the game purely for the sake of helping developers, and profitability does matter. However, GitHub's fame rests quite a bit on the fact that it offers a good set of features and hosting options to users free of cost, and if it were to rethink its strategy and steer more towards paid enterprise offerings, the average developer might be compelled to seek an alternative.
To learn more about the background of these development, read the Dear GitHub open letter that addresses some of the key issues that developers face when working with GitHub.


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(5103) Diviš es un asteroide perteneciente al cinturón de asteroides, descubierto el 4 de septiembre de 1986 por Antonín Mrkos desde el Observatorio Kleť, České Budějovice, República Checa.

Designación y nombre
Designado provisionalmente como 1986 RP1. Fue nombrado Diviš en honor al  canónigo regular, teólogo y científico natural checo Prokop Diviš, que era conocido por sus experimentos con la electricidad, desarrolló uno de los primeros pararrayos en Europa, un dispositivo con el que intentó atraer la energía eléctrica de las nubes.

Características orbitales
Diviš está situado a una distancia media del Sol de 2,749 ua, pudiendo alejarse hasta 2,785 ua y acercarse hasta 2,713 ua. Su excentricidad es 0,013 y la inclinación orbital 4,891 grados. Emplea 1665,48 días en completar una órbita alrededor del Sol.

Características físicas
La magnitud absoluta de Diviš es 13,2. Tiene 12 km de diámetro y su albedo se estima en 0,074. Está asignado al tipo espectral X según la clasificación SMASSII.

Véase también
 Lista de asteroides del (5101) al (5200)
 Cuerpo menor del sistema solar

Referencias

Asteroides del cinturón principal
Objetos astronómicos descubiertos por Antonín Mrkos
Objetos astronómicos descubiertos desde el Observatorio Kleť
Objetos astronómicos descubiertos en 1986
Wikiproyecto:Asteroides/Artículos de asteroides

redpajama_set_name: RedPajamaWikipedia


Cameron McIver runs 240 ewes on his mixed farm at Wester Coltfield near Kinloss in Inverness-shire. Foot rot in his flock prompted him to look at the mineral intake of his sheep, and with the help of leading nutritional experts, Harbro, he has seen the positive results that have gone beyond foot health to better general flock performance.
Cameron, who also grows spring barley for malting and has 430 Simmental X cattle, needed some initial convincing when Harbro Beef & Sheep Specialist, John Taylor, recommended a mineral bucket that would help reduce the foot rot problems he was seeing in his flock. Pre-tupping, he tried two Feet Fertility and Worms mineral buckets, and saw how quickly the sheep were taking to it. He bought two more the next week, and then another two.
Feet, Fertility and Worms has been formulated to provide the vital key nutrients zinc, biotin and Sel-Plex, that promote hoof growth and health, support the oestrus cycle and help to reduce worm egg shedding as a complement to the shepherd's existing husbandry practices.
John Taylor of Harbro, who works with Cameron to improve the flock's performance, advises that introducing the bucket pre-tupping is key.
"A full year on, the lambs are doing really well and we haven't used the foot bath for scald. By being proactive we are off to a better start as we are decreasing the chances of problems, while also increasing our chances of a compact lambing period and easier management." he commented.


text:
Q: No longer able to compile LuaLaTeX after MikTeX update I just updated MikTeX from the console. Even with the following MWE (I guess MNWE in this case)
\documentclass[a4paper,11pt]{article}
\begin{document}
    I hate it here
\end{document}

I get the errors
C:\Users\Usuario\Documents\test.tex:1: Extra \endcsname. []
C:\Users\Usuario\Documents\test.tex:1: Missing { inserted. []
C:\Users\Usuario\Documents\test.tex:1: Missing control sequence inserted. []
C:\Users\Usuario\Documents\test.tex:1: Extra \endcsname. []
C:\Users\Usuario\Documents\test.tex:1: Missing { inserted. []

which is pretty annoying to be honest. In short, I cannot compile anything with Lua after the update, everything shows me precisely these errors.
A more complete log of the MNWE above reads as follows:
This is LuaHBTeX, Version 1.12.0 (MiKTeX 20.6.29) (format=lualatex 2022.4.2)  2 APR 2022 13:32
 restricted system commands enabled.
**C:/Users/Usuario/Documents/test.tex
(C:/Users/Usuario/Documents/test.tex
LaTeX2e <2021-11-15> patch level 1
Lua module: luaotfload 2022-03-18 3.21 Lua based OpenType font support
Lua module: lualibs 2021-05-20 2.74 ConTeXt Lua standard libraries.
Lua module: lualibs-extended 2021-05-20 2.74 ConTeXt Lua libraries -- extended c
ollection.
luaotfload | conf : Root cache directory is "C:/Users/Usuario/AppData/Local/MiKT
eX/2.9/luatex-cache/generic/names".
luaotfload | init : Loading fontloader "fontloader-2022-02-24.lua" from kpse-res
olved path "C:/Users/Usuario/AppData/Roaming/MiKTeX/2.9/tex/luatex/luaotfload/fo
ntloader-2022-02-24.lua".
Lua-only attribute luaotfload@noligature = 1
luaotfload | init : Context OpenType loader version 3.119
Inserting `luaotfload.node_processor' at position 1 in `pre_linebreak_filter'.
Inserting `luaotfload.node_processor' at position 1 in `hpack_filter'.
Inserting `luaotfload.glyph_stream' at position 1 in `glyph_stream_provider'.
Inserting `luaotfload.define_font' at position 1 in `define_font'.
Lua-only attribute luaotfload_color_attribute = 2
luaotfload | conf : Root cache directory is "C:/Users/Usuario/AppData/Local/MiKT
eX/2.9/luatex-cache/generic/names".
Inserting `luaotfload.harf.strip_prefix' at position 1 in `find_opentype_file'.
Inserting `luaotfload.harf.strip_prefix' at position 1 in `find_truetype_file'.
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.
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er'.
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Inserting `luaotfload.harf.finalize_unicode' at position 1 in `finish_pdffile'.
Inserting `luaotfload.glyphinfo' at position 1 in `glyph_info'.
Lua-only attribute luaotfload.letterspace_done = 3
Inserting `luaotfload.aux.set_sscale_dimens' at position 1 in `luaotfload.patch_
font'.
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t'.
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t_unsafe'.
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Inserting `luaotfload.rewrite_fontname' at position 6 in `luaotfload.patch_font'
. L3 programming layer <2022-02-24>
! Extra \endcsname.
\exp_args:Nc ...>\exp_after:wN #1\cs:w #2\cs_end:

l.1
  \documentclass[a4paper,11pt]{article}
I'm ignoring this, since I wasn't doing a \csname.

! Missing { inserted.
<to be read again>
\exp_after:wN
l.1
  \documentclass[a4paper,11pt]{article}
A left brace was mandatory here, so I've put one in.
You might want to delete and/or insert some corrections
so that I will find a matching right brace soon.
If you're confused by all this, try typing `I}' now.

! Missing control sequence inserted.
<inserted text>
\inaccessible
l.1
  \documentclass[a4paper,11pt]{article}
Please don't say `\def cs{...}', say `\def\cs{...}'.
I've inserted an inaccessible control sequence so that your
definition will be completed without mixing me up too badly.
You can recover graciously from this error, if you're
careful; see exercise 27.2 in The TeXbook.

! Extra \endcsname.
\exp_args:Nc ...>\exp_after:wN #1\cs:w #2\cs_end:

l.1
  \documentclass[a4paper,11pt]{article}
I'm ignoring this, since I wasn't doing a \csname.

! Missing { inserted.
<to be read again>
\exp_after:wN
l.1
  \documentclass[a4paper,11pt]{article}
A left brace was mandatory here, so I've put one in.
You might want to delete and/or insert some corrections
so that I will find a matching rig

I don't know what is meant by "a left brace was mandatory here" or that kind of stuff.

redpajama_set_name: RedPajamaStackExchange


text:
Civil services exam
Banking in india
» Banks in India was introduced by the British rulers, way back in the 17th century.
» Today Indian banks are considered among the best banks in the developing world and its attempts to emerge among the best in the world and is going on.
BANK & NON BANK INSTITUTIONS
A financial institution which accepts different forms of deposits and lends them to the prospective borrowers as well as allows the depositors to withdraw their money from the accounts by cheque is a bank.
Non - Banking financial Institution
If the financial institution has all the same functions but does not allow depositors to issue cheque and withdraw their money from deposits then it is a Non - bank institution.
NON - BANKING FINANCIAL COMPANIES (NBFCS)
A Non - banking institution which is a company and which has its Principal business of receiving deposits under any scheme or arrangement or any other manner, or lending in any manner is also a Non - banking financial company.
Functions of NBFC
i) An NBFC can not accept demand deposits (Which are payable on demand), like the savings and current accounts.
ii) It is not a part of the payment and settlement system and as such cannot issue cheque to its customers, and
iii) Deposit insurance facility is not available for NBFC depositors unlike in case of banks.
» Under the RBI Act, 1934, the NBFCs have to get registered with the RBI
» The requirement of registration with RBI such as
i) Venture Capital Fund, merchant banking companies, stock broking companies register with SEBI.
ii) Insurance company holding a valid certificate of registration issued by IRDA.
iii) Nidhi Companies under the companies Act, 1956.
iv) Chit Companies under the Chit Funds Act, 1982
v) Housing Finance Companies regulated by National Housing Bank of the RBI
A company incorporated under the companies Act, 1956 and desirous of commencing business of the NBFC should have a minimum net owned fund (NOF) of Rs. 25 lakhs NBFCs registered with RBI have been reclassified (since 2006) as - The Asset Finance Company (AFC)
» Investment Company (IC) and the loan company (LC) Provisions for accepting deposits.
The Reserve Bank of India (RBI) was setup in 1935 as a private bank with two extra functions, regulation and control of the banks in India and being the banker of the government.
* After nationalisation in 1949, it emerged as the central banking body of India.
* The governments have been handing over different function to the RBI which stand today as given below.
i) It is the issuing agency of the currency and coins other than rupee one currency and coin.
ii) Distributing agent for currency and coins issued by the government of India.
iii) Banker of the government.
iv) Bank of the banks/ Bank of last resort.
v) Announces the credit and monetary policy for the economy.
vi) Stabilising the rate of inflation.
vii) Stabilising the exchange rate of rupee.
viii) Keeper of the foreign currency reserves.
ix) Agent of the Government of India in the IMF.
x) Performing a variety of developmental and promotional functions under which it did set up institutions like IDBI, SIDBI, NABARD, NHB, etc.,
CREDIT AND MONETARY POLICY
The policy by which the desired level of money flow and its demand is regulated is known as the credit and monetary policy.
* All over the world it is announced by the central banking body of the country.
* As the RBI announces it in India.
* In India there has been a tradition of announcing it twice in a financial year.
* Before the starting of the busy and the slack seasons.
* There are many tools by which the RBI regulates the desired/ Required kind of the credit and monetary policy.
* CRR, SLR, Bank Rate, Repo Rate, Reverse Repo, PLR, Exim interest rate, small saving scheme's interest rates (SSS's), interest changes for the instruments of the money market, etc.,
The cash reserve ratio (CRR) is the ratio (fixed by the RBI) of the total deposits of a bank in India which is kept with the RBI in the form of cash.
» This was fixed to be in the range of 3 to 15 percent.
» At present it is 4 percent.
» Following the recommendations of the Narasimham Committee on the Financial System (1991) the government started two major changes concerning the CRR.
i) Reducing the CRR was set as the medium term objective and it was reduced gradually from its peak of 15 percent in 1992 to 4.5 percent by June 2003.
ii) Payment of interest by the RBI on the CRR money to the scheduled banks started in financial year 1999 - 2000.
» Though the RBI discontinued interest payments from mid - 2007.
SLR - Present SLR is 20.5%
The Statutory Liquidity Ratio (SLR) is the ratio fixed by the RBI of the total deposits of a bank which is to be maintained by the bank with itself in non - cash form prescribed by the government to be in the range of 25 to 40 percent.
Bank Rate
The interest rate which the RBI charges on its long - term lending is known as the Bank Rate.
* The rate has direct impact on the long - term lending activities of the concerned lending bodies operating in the Indian Financial System.
The rate of interest the RBI charges from its clients on their short - term borrowing is the Repo rate in India, which at present 6.50 percent.
* In western economies it is known as the rate of discount.
* It is not called an interest rate but considered a discount on the dated government securities which are deposited by institution to borrow for the short term.
* The value of the securities is lost by the amount of the current repo rate.
* This rate functions as the benchmark rate for the inter-bank short-term market (i.e., call money market) in India.
* The repo rate was introduced in December 1992.
It is the rate of interest the RBI pays to its clients who offer short-term loan to it.
* At present the rate is at 6.00 percent.
* It is reverse of the repo rate and this was started in November 1996 as part of Liquidity Adjustment Facility (LAF) by the RBI.
* It has a direct bearing on the interest rates charged by the banks and the financial institutions on their different forms of loans.
* This tool was utilised by the RBI in the wake of over money supply with the Indian banks and lower loan disbursal to serve twin purposes of cutting down banks losses and the prevailing interest rate.
MSF is a new scheme announced by the RBI in its Monetary Policy, 2011-12 which came into effect from May, 2011.
* Under this scheme, banks can borrow over night upto 1 percent of their net demand and time liabilities (NDTL) from the RBI, at the interest rate 1 percent
* Now it stands at 6.75 percent
* The MSF would be the last resort for banks once they exhaust all borrowing options including the liquidity adjustment facility by pledging through government securities, which has lower rate (i.e, reporate) of interest in comparison with the MSF.
* Banks can borrow through MSF on all working days except saturdays, between 3 : 30 and 4 : 30 pm in mumbai where RBI has it's headquarters.
* The minimum amount which can be accessed through MSF is Rs. 1 crore and in multiple of Rs. 1 crore.
* MSF represents the upper band of the interest corridor
BASE RATE
Base rate is the interest rate below which scheduled commercial banks (SCBS) will lend no loans to its customers.
* It means it is like prime lending rate (PLR) and the benchmark prime lending rate (BPLR) of the past and is basically a floor rate of interest.
* It replaced the existing idea of BPLR on july 1, 2010.
* The BPLR system, introduced in 2003, fell short of its original objective of bringing transparency to lending rates.
* Now, all categories of loans are priced with reference to the base rate only, except
a) Differential rate of interest (DRI) loans
b) Loans to bank's own employees, and
c) Loans to bank's depositors against their own deposit
DEVELOPMENT OF BANKING IN INDIA
The development of banking industry in India has been intertwined with the story of its Nationalisation
* Once the Reserve Bank of India (RBI) was nationalised in 1949 and a central banking was in place, the government considered the nationalising of selected private banks in the country.
1. EMERGENCE OF THE SBI
The government of india, with the enactment of the SBI Act, 1955 partially nationalised the three imperial banks and named them the State Bank of India.
* The first public sector bank emerged in India.
* The RBI had purchased 92 percent of the share in this partial nationalisation.
* The government in a related move partially nationalised eight more private banks Act, 1959 and named them as the associates of the SBI.
* After merging of the State Bank of Bikaner and the state bank of jaipur as well.
* The RBI came up with the state bank of bikaner and jaipur.
* Now the SBI group has a total number of six banks.
* SBI being one and five of its associates.
2. EMERGENCE OF NATIONALISED BANKS
* With the help of the banking nationalisation Act, 1969, the government nationalised a total number of 20 private banks.
i) 14 banks with deposits were more than Rs. 50 crore of nationalised in July 1969, and
ii) 6 banks with deposits were more than Rs.200 crore of nationalised in April 1980.
* After the merger of the loss - making new bank of India with the Punjab National Bank (PNB) in september 1993.
* The total number of nationalised banks came down to 19.
* Today there are 27 public sector banks in India out of which 19 are nationalised.
* Three related developments allowed the further expansion of banking industry in the country.
i) In 1993 the SBI was allowed access to be the capital market with permission given to sell its share to the tune of 33 percent through SBI ( Amendment) Act, 1933.
* At present the government of India has 59.73 percent shares in the SBI.
ii) In 1994 the government allowed the nationalised banks to have access to the capital market with a ceiling of 33 percent sale of share through the banking companies (Amendment) Act, 1994.
iii) In 1994 itself the government allowed the opening of private banks in the country.
* The first private bank of the reform era was the UTI bank.
* Since then a few dozens Indian and foreign private banks have been opened in the country.
3. EMERGENCE OF THE RRBs
The Regional Rural Banks (RRBs) were first setup on October 2, 1975 with main aim to take banking services to the doorsteps of the rural masses specially in the remote areas with no access to banking services with twin duties to fulfill.
i) To provide credit to the weaker sections of the society at concessional rate of interest who previously depended on private money lending and
ii) To mobilise rural savings and channelise them for supporting productive activities in the rural areas.
Banking Sector Reforms
The government commenced a comprehensive reform process in the financial system in (1992 - 93).
* In December 1997 the Government did set up another committee on the banking sector reform under the chairmanship of M. Narasimham.
* The Narasimham Committee - II (popularly called by the Government of India) handed over its reports in April 1998 which included the following major suggestions.
i) Need for a stronger banking system for which merges of the PSBs and the Financial Institutions (AIFIs) were suggested
* Stronger banks and DFIs (Development Financial Institutions, i.e. AIFIs) to be merged while weaker and unviable ones to be closed.
ii) A - 3 tier banking structure was suggested after mergers
a) Tier - I to have 2 to 3 banks of international orientation.
b) Tier - II to have 8 to 10 banks of national orientation and
c) Tier - III to have large number of local banks.
iii) Higher norms of Capital - to - Risk - weighted Adequacy Ratio (CRAR) suggested - increased 10 percent.
iv) Budgetary recapitalisation of the PSBs is not viable and should be abandoned.
v) Legal Framework of loan recovery should be strengthened.
vi) Net NPAs for all banks suggested to be cut down to below 5 percent by 2000 and 3 percent by 2002.
vii) Rationalisation of branches and staffs of the PSBs suggested.
viii) Licensing to new Private Banks was suggested to continue with
ix) Banks board should be depoliticised under RBI supervision.
x) Board for Financial Regulation and Supervisions (BRFS) should be setup for the whole banking, financial and the NBFCs in India.
BASEL ACCORDS
The Basel Accords (i.e. Basel I, II and now III) are set of agreements set by the Basel Committee on Bank Supervision (BCBS), which provides recommendations on banking regulations in regards to Capital Risk, Market Risk and Operational Risk.
* The purpose of the accords is to ensure that financial institutions have enough capital on account to meet obligations and absorb unexpected losses.
* They are of paramount importance to the banking world and are presently implemented by over 100 countries across the world.
* The BIS accords were the outcome of a long - drawn - out initiative to strive for greater International uniformity in Prudential Capital Standards for bank's credit risk.
The objectives are
i) To strengthen the international banking system
ii) To promote convergence of national capital standards
iii) And to iron out competitive inequalities among banks across countries of the world.
* The first Basel Accord, known as Basel I was issued in 1988 and focuses on the capital adequacy of financial institutions.
* The second Basel Accord, known as Basel - II is to be fully implemented by 2015. it focuses on three main areas, including minimum capital requirements supervisory review and market discipline, which are known as the three pillars.
* The third Basel Accord, known as Basel III is a comprehensive set of reform measures aimed to strengthen the regulation, supervision and risk management of the banking sector, these measures aim to
i) Improve the banking sector's ability to absorb stocks arising from financial and economic stress, whatever the source be
ii) Improve risk management and governance and
iii) strengthen banks transparency and disclosures.
LIQUIDITY OF MONEY
As we move from M1 to M4 the liquidity of the money goes on decreasing and in the opposite direction, the liquidity increases.
NARROW MONEY
In banking terminology, M1 is called narrow money as it is highly liquid and banks cannot run their lending programmes with this money.
BROAD MONEY
The money component M3 is called broad money in the banking terminology. With this money (which lies with banks for a known period) banks run their lending programmes.
The level and supply of M3 is known as money supply.
* The growth rate of broad money (M3) i.e., money supply was not only lower than the indicative growth set by the Reserve Bank of India but it also witnessed continuous and sequential deceleration in the last 7 quarters.
* The source of broad money are net bank credit to the government and to the commercial sector.
MINIMUM RESERVE
The RBI is required to maintain a reserve equivalent of Rs. 200 crores in gold and foreign currency with itself, of which Rs. 115 crores should be in gold.
* This is being followed since 1957 and is known as the Minimum Reserve System (MRS).
RESERVE MONEY
The gross amount of the following six segments of money at any point of time is known as Reserve Money (RM) for the economy or the government.
i) RBI's net credit to the Government
ii) RBI's net credit to the Banks
iii) RBI's net credit to the commercial banks
iv) net forex reserve with the RBI
v) Government's currency liabilities to the public
vi) Net non - monetary liabilities of the RBI
RM = 1 + 2 + 3 + 4 + 5 + 6
NON - RESIDENT INDIAN DEPOSITS
Foreign Exchange Management (Deposit) Regulations, 2000 Permits Non - Resident Indian's (NRIs) to have deposit accounts with authorised dealers and with banks authorised by the Reserve Bank of India (RBI) which include
i) Foreign currency Non - Resident (Bank) Account [FCNR(B) Account]
ii) Non - Resident External Account (NRE Account)
iii) Non - Resident Ordinary Rupee Account (NRO Account)
FCNR(B) Accounts can be opened by NRIs and overseas corporate Bodies (OCBs) with an authorised dealer.
* The accounts can be opened in the form of term deposits.
* Deposits of funds are allowed in pound, sterling, US Dollar, Japanese Yen and Euro NRE accounts can be opened by NRIs and OCBs with authorised dealers and with banks authorised by RBI
* These can be in the form of savings, current, recurring or fixed deposit accounts.
NRO accounts can be opened by any person resident outside India with an authorised dealer or an authorised bank for collecting their funds from local bonafide transactions in Indian Rupees.
* These accounts can be in the form of current, saving, recurring or fixed deposit accounts.
* Repatriation of funds in FCNR(B) and NRE accounts is permitted. Hence, deposits in these accounts are included in India's external department outstanding
* Deposits in NRO accounts too are included in India's external debt.
GUIDELINES FOR LICENSING OF NEW BANKS
The RBI, released the Guideline for Licensing of New Banks in the Private sector key features of the guidelines are
i) Eligible Promoters: A private sector/ public sector/ NBFCs/ Entity/ group eligible to set up a bank through a wholly - owned non - operative Financial Holding company (NOFHC).
ii) Fit and proper criteria: A past record of sound credential, integrity and sound financial background with a successful track record of 10 year will be required.
iii) Corporate structure of the NOFHC: The NOFHC to be wholly - owned by the promoter/ promoter group Which shall hold the bank as well as all the other financial services entities of the group
iv) Minimum voting equity capital requirements for banks and share holding by NOFHC minimum paid - up voting equity capital for a bank shall be Rs. 5 billion
» The NOFHC shall initially hold a minimum of 40 percent of the paid-up voting equity capital of the bank which shall be locked in for a period of five years.
v) Regulatory framework: the bank to be regulated by the relevant Acts/ Statutes/ Directives, issued by the RBI and other regulators.
vi) Foreign share holding in the bank: Foreign share holding upto 49 percent for the first 5 years after which it will be as per the extant policy
vii) Corporate governance of NOFHC: At least 50 percent of the Directors of the NOFHC should be independent directors.
viii) The prudential norms will be applied to NOFHC on similar lines as that of the bank.
ix) The bank shall not invest in the equity/debt capital instruments of any financial entities held by the NOFHC
x) The business plan should be realistic and viable and should address how the bank proposes to achieve financial inclusion.
xi) Existing NBFCs if considered eligible, may be permitted to promote a new bank or convert themselves into banks.
TWO NEW BANKS GET LICENSE
The RBI by early April, 2014 granted in - principle approval to two applicants, IDFC limited and Bandhan Financial services private limited, to set up banks.
* In principle approval granted will be valid for 18 months during which the applicants have to comply with the requirements and fulfill other conditions.
* Both are leading non - banking finance companies while IDFC deals in infrastructure finance, Bandhan is in micro finance business.
CHIT FUND
Chit fund (also known by their other names such as chitty, kuri, miscellaneous Non - Banking company) are essentially saving institutions.
* They are of various forms and lack any standardised form.
* Chit funds have regular members who make periodical subscriptions to the fund.
* The periodical collection is given to some member of the chit funds selected on the basis of previously agreed criterion.
* The beneficiary is selected usually on the basis of bids or by draw of lots or in same cases by auction or by tender.
* Chit funds are the Indian version of Rotating savings and credit Associations Found across the globe.
* Chit fund business is regulated under the central chit fund Act, 1982 and the Rules Framed under this Act by the various state government for this purpose.
UPSC Civil Services exam
యూపీఎస్సీ సివిల్ స‌ర్వీసెస్
స్ట‌డీ మెటీరియ‌ల్
study-material
Indian Agriculture
Concepts and Terminologies
India and the Global Economy
Inflation and Business Cycles

redpajama_set_name: RedPajamaCommonCrawl


The Hungry Gully Project (HGP) consists of a wholly-owned Special Exclusive Prospecting Licenses (SEPL) covering 48 sq. km. The HGP is located within the southern part of the highly tectonized altered and mineralized Cretaceous Blue Mountain Inlier (Map 1). Limited focused exploration has been completed to date at the HGP.
The geologic history of subduction, crustal thickening and tectonism has produced extensive mineralization within areas of Cretaceous rock throughout the Caribbean (Map 2), such as at the Pueblo Viejo deposit, which contains more than 36 million ounces gold and 930 million pounds copper.
Exploration and prospecting to date, although limited, demonstrates the excellent potential at HGP for economically-viable epithermal gold and copper-gold skarn and porphyry deposits (Map 3).
Exploration by BHP in the 1990s indicated the presence of an epithermal gold system at Round Hill within the HGP that may be distal and to a copper + gold ± molybdenum system at the nearby Dunrobin site (Map 4).
Exploration will focus on determining the extent and grades of the epithermal and porphyry systems at BGP plus screening BGP for other mineralization.


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Search, Plus Your World: Google's Risky Gambit
The web giant just mashed up its search engine and social network -- and the results so far are unsatisfying.
By Harry McCracken Jan. 19, 2012
Arnd Wiegmann / Reuters
Last week, the attention of the technology press turned — as it always does in January — to Las Vegas. As usual, the Consumer Electronics Show filled the town to the bursting point with new gizmos of all kinds. But the news with the greatest long-term potential to shake up tech as we know it emanated from Mountain View, California, and it didn't have anything to do with gadgets. It was Google's announcement that it's begun to add a new social dimension to its eponymous, market-dominating search engine — a twist that it calls "Search, Plus Your World."
For now, at least, what Google is doing with SPYW is stirring information from its Google+ social network into the gumbo of links that makes up its search results. For some searches, results will now be preceded by a link to updates and photos from your Google+ friends (assuming you have any) relating to your query; these items may also be woven into the results themselves. For some, a list on the right-hand side of the screen will recommend Google+ users who relate to the query you entered. And when you start to type into the search box, Google may suggest that you visit the profile of Google+ friends or high-profile users whose names match the characters you've entered.
(MORE: Why Google's Biggest Problem with 'Search Plus Your World' Isn't Antitrust)
The fact that these features have arrived isn't the least bit startling. Melding Google+ with the world's most popular search engine is Google's most potent weapon in its ongoing battle for web supremacy with the world's most popular social network, Facebook. And the very name "Google+" indicates that Google sees the service not as something distinct from Google search, but rather as its future.
I was, however, surprised by the intensity of the instant backlash against Google's decision to turn its search engine into a billboard for Google+. One Google+ competitor, Twitter, is openly agitated about Google's favoritism for its own social network. Google gurus Steven Levy and Danny Sullivan both appear to be wary of the change. (Levy says that a search engine, like Caesar's wife, must appear to be above reproach, and that SPYW is an apparent conflict of interest that takes Google "into dangerous territory.")
Many pundits have raised the most infamous example of a big tech company tying a fledgling product to a market-dominating one. That would be Microsoft's decision in the mid-1990s to give away its Internet Explorer browser with Windows. The move brutalized browser pioneer Netscape, but it also led to the epic legal tussle known as The United States v. Microsoft. Google could face similar scrutiny: The FTC, which was already investigating the search giant on antitrust grounds, now says it's looking into SPYW.
So what hath Google wrought?
If you ask the company, it'll say it's just trying to make search more personal. "Search is still limited to a universe of webpages created publicly, mostly by people you've never met," says Google Fellow Amit Singhal in the blog post introducing SPYW. "Today, we're changing that by bringing your world, rich with people and information, into search."
article continues on next page…


We present the charged-particle pseudorapidity density in Pb–Pb collisions at sNN=5.02 TeV in centrality classes measured by ALICE. The measurement covers a wide pseudorapidity range from −3.5 to 5, which is sufficient for reliable estimates of the total number of charged particles produced in the collisions. For the most central (0–5%) collisions we find 21400±1300, while for the most peripheral (80–90%) we find 230±38. This corresponds to an increase of (27±4)% over the results at sNN=2.76 TeV previously reported by ALICE. The energy dependence of the total number of charged particles produced in heavy-ion collisions is found to obey a modified power-law like behaviour. The charged-particle pseudorapidity density of the most central collisions is compared to model calculations — none of which fully describes the measured distribution. We also present an estimate of the rapidity density of charged particles. The width of that distribution is found to exhibit a remarkable proportionality to the beam rapidity, independent of the collision energy from the top SPS to LHC energies.


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De'Anthony Thomas Jersey
Going to hard out Chicago's physical play end
Posted by admin on April 20, 2019 in De'Anthony Thomas Jersey 0 Comment
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Mavericks' Harris To Play; Spurs' Ginobili Might Not Dec 5 2 AM Devin Harris will play tonight, but there's a chance San Antonio's Manu Ginobili won't.
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James Buchanan was one of the great businessmen of his time and a pioneer in the world of Whisky. His hard work and ambition led him to create one of the world's most recognized whisky brands, Buchanan's Blended Scotch Whisky. Buchanan's celebrates the timeless pleasure of sharing.


Bidorbuy, a large online auction site, based in South Africa, is set to give people a unique bidding opportunity. Six winning bidders will have the opportunity to take on chess great Gary Kasparov in a simultaneous game of chess. Kasparov will play an exhibition match against 30 or so participants. Six of those will be reserved for bidders on the site.
According to bidorbuy the auctions will be a "one-a-day" affair. One ticket will be available every day over six days, with the auction running between 9AM until 9PM with bids opening at R1(US13c). "Garry Kasparov is a legend. We are very proud to host these auctions", says bidorbuy CEO Jaco Jonker.
He expects that bidders will jump at the opportunity to play a game with one of the world's most renowned chess players. The mass exhibition match event is part of the preparations leading up to the launch of the Kasparov Chess Foundation Africa in early 2012. The "simul" will reportedly include a number of high-profile politicians, celebrities and sports personalities. According to bidorbuy, the Kasparov Chess Foundation, already active in the USA and in Europe, plans to develop its African arm in cooperation with the one year old, and already very successful South African programme called Moves For Life. You can read more at this link.
Kasparov still manages to do so much for chess. I think his achievements and contribution are matchless.
Tale of German politicians and chess!


With IATA accreditation, the company has the means to issue airline tickets to any destination. The company also possesses its own aircrafts, which include a 4 seater Beech Craft Baron and a 19 Seater Jet Stream 32. The planes on offer are available for charter domestically and are operated by licensed professional pilots.


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Anti-corruption law shortfall
Photo by Johnny Bugeja.
By Robert Vasquez
The salient feature of the recently published Anti-Corruption Authority Bill [Bill] is that it fails to do what it is intended to do because an important element of the very persons who are subject to investigation have the indirect power to appoint the investigators. Colossal powers in most areas are given to incumbent Chief Ministers, and through him to all Ministers acting by his appointment. The use of limited companies is a loophole also left open.
Independence is a necessary ingredient of any such Authority, just as it is for judges, public officers, and the Commissioner of Police. Their independence is provided by the required involvement of several constitutional bodies, namely the Judicial Services Commission, the Public Service Commission, the Specified Appointments Commission, and the Gibraltar Police Authority.
The independence of those constitutional bodies from political interference is strengthened by careful provisions that safeguard against direct involvement of politicians. Appointments to those bodies are carefully separated from direct appointments by the Chief Minister or any Ministers.
In sharp contrast the proposed Anti-Corruption Authority [Authority] is not similarly protected. The opposite is obvious. It is the Chief Minister who retains disproportionate powers under the Bill. It is difficult to see what parts of the law, once the Bill is enacted by Parliament, is not finally controlled by an incumbent Chief Minister.
There is no systemic independence from any elected government, which must be wrong. It is inappropriate because any sitting Chief Minister and all Ministers appointed by and serving him/her can be scrutinised by the Authority. If it finds reason, the Authority must then investigate and act, if necessary, without fear of influence or repercussion from the very person who appoints and can remove them.
Governmental, and so political, independence is lacking because the Bill proposes that a vast amount of power should be centred in the Chief Minister. In brief he appoints the entire Authority. Further he can remove any member of the Authority on prescribed grounds.
The safeguards provided by the Constitution on the appointment of judges, public officers, and the Commissioner of Police are simply missing. They are not replaced by any other independent protections.
In addition, the Chief Minister can ask the Authority for reports but is empowered to censor them on public interest grounds before they are made public. The Chief Minister has powers to stop information and documents from being provided on wide grounds, and to amend the list of offences which the Authority may seek to investigate and make wide-ranging regulations.
All in all, there is no political independence.
Importantly government owned companies undertaking public functions do not come within the powers of the Authority. It is a massive inbuilt loophole that will allow any government an avenue to avoid scrutiny and investigation.
The Opposition has a huge task on its hands to put the Bill into shape during its passage through Parliament and before it becomes law. It must take up the cudgels and not fail to act on the important issue that fighting corruption is. It must not fail again as it did in its years in government when it promised to legislate but failed to do so.
Interestingly, the issue of fighting corruption touches by necessity on internal and external security. Those are both in the exclusive constitutional power of the Governor. The question is, will he, or the Foreign, Commonwealth, and Development Office [FCDO] take some interest in the legislative process? The FCDO have involved itself on matters of corruption in other United Kingdom Overseas Territories. Time will tell.
Hopefully the Bill is in its infant stage of development. The Chief Minister has invited the Opposition to provide input. Let us see if the Opposition will take up that offer and knock the Bill into shape before it becomes an impotent law as currently drafted.
Let us see if the GSLP-Liberal Government will pay attention to the GSD Opposition. It is too important a law to let it drift into the wilderness or to be enacted as a 'nothingness' which is what the Bill provides right now.
Robert Vasquez, QC, is a barrister. He stood as an independent candidate at the last general election on a platform of democratic reform.


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Sanders campaign workers say they earn 'poverty wages'
By	Cnaan Liphshiz	 July 19, 2019 7:40 am
Bernie Sanders at a Fourth of July parade in Pella, Iowa, July 4, 2019. (Joshua Lott/Getty Images)
(JTA) — Unionized campaign organizers for Bernie Sanders' presidential effort complained of "poverty wages" and accused the Vermont senator of falling short of his own rhetoric on fair pay.
Campaign workers have demanded an annual salary equivalent to a $15-an-hour wage, which Sanders, a Democratic Socialist, for years has said should be the federal minimum, the Washington Post reported. Thursday.
The organizers and other employees supporting them have invoked the senator's words and principles in making their case to campaign manager Faiz Shakir, the documents reviewed by The Washington Post show.
The conflict between Shakir and union representatives dates back to May and remains unresolved, the Post reported.
Shakir defended the campaign, telling the Post it "offers wages and benefits competitive with other campaigns." Sanders and Shakir "both strongly believe in the sanctity of the collective bargaining process," he added.
The union representing the campaign workers, United Food & Commercial Workers Local 400, also defended the campaign, saying its staff "have access to myriad protections and benefits secured by their one-of-a-kind union contract."
Internally,union members drafted a letter to Shakir this week, which said they "cannot be expected to build the largest grassroots organizing program in American history while making poverty wages."
Citing the "campaign's commitment to fighting for a living wage of at least $15.00 an hour," they added: "we believe it is only fair that the campaign would carry through this commitment to its own field team."


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| Our Lady of Perpetual Help, St. Mary's Parish Albany
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The Church celebrates Reconciliation as one of its seven sacraments. At St. Mary's, private confessions are heard on Saturday afternoons from 3:30 – 4:30 PM; on the Last Wednesday of the month from 6-7 PM, along with Adoration of the Blessed Sacrament; or at the office by appointment. Please call the office for an appointment day and time 541-926-1449.
Communal reconciliation services are held during Advent and Lent.
Private Confessions
If you have not been to private confession, you may want to use this as a guide. At the church you will have the option of confessing from behind a screen or sitting in a chair which faces the priest. In the office, you will sit facing the priest.
Greet the priest and tell him about how long it has been since your last confession and any other important information, like" this is my first confession" or" I'm joining the church this Easter", or" I've been away from the Church "
Tell Father one or two of the most significant sins or issues that you are dealing with. You can say something like "I'm really struggling with my temper – it seems I'm yelling at the kids all the time." Or "I've been lying to my parents and sneaking out to do something that they wouldn't want me to do."
Penitents who are in the state of mortal sin must confess each mortal sin to the priest.
Say you are sorry and ask for God's forgiveness.
The priest may talk with you a little and then he may give you a penance and say the words of absolution. You say "AMEN".
When you have finished, Father will exchange a greeting of peace with you. If you are going to confession face-to-face, this may be done with a handshake. Father will say "Peace be with you…" You answer, "and also with you" or some similar words.
If Father asks you to say an act of contrition, you can say "Lord Jesus, Son of God, have mercy on me, a sinner" or use another act of contrition that you know.
Once you have left the Reconciliation Room you may have the opportunity to stay in the church or chapel to pray longer. It may be possible for you to complete the penance that the priest has given you at that time.
Staff and Parish Council
Hot items: 29th Marion Mass at 8:30am; Men's Group starting new study "Untold Blessings: Three Paths to Holiness";… https://t.co/kR85cDv05G 5 days ago
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Ace Tupasi of Our Lady of Perpetual Help Parish, Albany, OR


Happy Holidays! I hope this Fall / Winter Holiday Season is treating you all well. I've been pretty happy so far since the weather up here has managed to be mostly sunny [though fairly cold,] plus I've been able to get out of town several times and have more plans for Christmas and New Year's.
See the bottom of the page for details about some of the groups I participate in that are mentioned in the letter.
Mom and I are planning to try and take a 2-week trip to Hawaii. Should be fun - we may go on a 1 week cruise and then have most of a second week to check out whatever we want to spend more time at.
Easter weekend as usual I will be attending NorWesCon, a fairly large Science-Fiction / Fantasy genre convention in the Pacific Northwest.
This February Mom is hosting the Koester Cousins family reunion in Arizona. I'm hoping to go to that since my brother Don is planning to go and I haven't been to one yet.
I will bring in the real new Millennium hanging out with some other SCA folks after attending an SCA bookbinding class.
Later in January my Pathfinders group from church will be going on a Ski Trip / Winter Retreat to White Pass, which is up in the mountains a few hours east of here. I don't ski, but I do enjoy taking the time to be out of the city, to spend time with existing friends and make new friends, to make snowballs, and just generally relax.
2000: I will be going back to Arizona for a nice 2 week vacation this year. The first few days Mom and I will head down to Rocky Point, Mexico. Hopefully we will have warmth and sunshine and can go swimming in the Gulf of California. I'm looking forward to fresh shrimp basted with garlic butter and grilled on the barbecue, shopping for ironwood carvings, and watching sunsets over the ocean.
Dad and I take off for a road trip to Las Vegas for the final few days of my vacation. We'll stay at the Excalibur, take in some shows, play the game where you line up your quarter so it will push others into the winnings bin, and see what's new in the last 7 yrs.
2000: I went on several different trips in November. For Thanks Giving I flew back to Nebraska and had a great long weekend and Thanks Giving dinner with family. Mom flew back too and she and I both stayed with my brother Don. Mom and I did a little Christmas shopping Friday morning. Dad was also in town, so Saturday afternoon the four of us hung out and played games all afternoon. I was in heaven!
In mid-November I attended OryCon, a Sci-Fi convention held in Portland, Oregon. I always enjoy OryCon because the hotel is right on the Columbia River, plus I usually get a chance to visit briefly with my friend Mike (who lives in Portland) or my cousin Jenna and her family (who live in Vancouver, WA just across the border) or both. This trip Mike and I hung out at Denny's for a couple of hours which was nice since it's been ages since we talked and we were able to catch up. I also got a chance to do some volunteering at the convention, which is part of the reason I go, so that was good too.
At the beginning of November I flew out to Houston, Texas to visit Charm [a friend from church who had moved out there a few months before.] One day while I was there we drove out to Galveston which is on the coast of the Gulf of Mexico. While there we visited Moody Mansion, the Strand [a shopping area big in the 30s or so] and on the way home stopped by a cowboy outfitting store and I picked up a new pair of boots!
I actually flew into Arizona the day before leaving for Texas, which just happened to be Election Day. [Don't worry, I made it to the polls to vote that afternoon.] Got to see snippets of election coverage while waiting for the plane. It was interesting to watch states change colors back and forth and see that some states were undecided.
Dad visited for much of October [until we both flew back to Phx on Election Day.] It was a good visit - one afternoon we played Settlers of Catan and other games at Devin & Stephanie's [I try to visit them regularly to keep current with my adorable God-Children: Treanna, 4, and Alaric, 2.] We also got together with my brother Greg for dinner &/or movies a couple of nights. [One night coming home we were in a fender bender but luckily we had the Ford (not my Volvo) & damage was minor.] Dad also helped me get my old office cleaned out, plus projects at my house. Thanks Dad!
2000: In August I flew down to Arizona for my 10 year high-school reunion. I can't believe it's been 10 years already! It was really good to see people - most of whom I hadn't seen since graduation or before. The bizarre thing was that I remembered most people better from grade school than from high school. Hopefully I'll include some of those folks in this mailing and manage to keep in touch with them over the next 10 years.
2000: Earlier this year I got an e-mail out of the blue from my 2nd friend ever, Audrey. Now, I hadn't heard from her in months or even years though she had received my annual mass mailings so knew all about what was up with me, so getting this forwarded joke or story was great but a bit confusing. Well, a few e-mail conversations later she announced that she was getting married in June, so I took the opportunity to fly out to Colorado, and get back in touch with another old friend. Congratulations Audrey!
Feb. through May were mostly packed with work, more conventions, events, etc. In January I got a tooth pulled, and in December of 99 I had my first crown ever put in.
Well, that's my life and I'm about out of room.
OSC: I attend Science Fiction conventions with the Order of St. Chiros, a Christian con-going group I belong to who are helping spread the word to fellow Sci-Fi fans that Christians are people too. We provide sanctuary at conventions for people who need to get away from a bad situation, hold services at the conventions [as one of our members is a minister,] volunteer, fellowship, etc.
Pathfinders: 20s & 30s. This year I am a Co-Coordinator of my church's 20s & 30s group. We meet about once a month for a pot-luck dinner [usually at my place] and then go out to a comedy club, bowling, stay in and play board games, etc. We also have major events such as the Ski Trip / Winter Retreat to White Pass in January and sometimes a rafting trip in August.


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Up for sale 1988 Rolls Royce Silver Spur sedan in black color with 96K miles. This Rolls Royce was purchased from aninsurance company and it hassalvage title. Car has left front end damage as seen on thepictures. It will need body work and straighten left fender corner which is unibody to thecore support, repairheadlightopening, needs hood or repairexisting one, radiator might needrepair it has a area where fan blade touched the fins.When vehicle waspurchased, we replaced new battery and car started right up, it was also lot drivento verify its ridability, and transmission shift smooth and solid on the car.Interior is in good shape, non-smokinginterior, some fading othe wood interior by the glass area(See pics) on the leftside of the car. Also there is nocigarette ash tray in left rear door, besides it it appears to be all there, including original tool box, jack, emergency triangle etc.Rolls Royce spend most of its life inside the garage, paint looks good and glossy.This willeb a great project for s handy man who can bodywork and paint, and with some repairs andparts this carwillbebackto its original shape and beauty. I will also supplyto the winning bidder, left side oem usedheadlight free of charge.Any questionsplease ask prior placingbid on the car, I will be happyto assist you in any way I can with this purchase.Rolls Royce isbeing sold with salvage title, and official bill of sale.Car is located in St.Louis, Missouri area.Car is beingsold in "as is"condition, in the damaged condition aspictured, with no any kind ofwarranty expressed, or implied. All sales are final, no returns and no refunds.Please review all the pictures, it should give a good idea of the car, its shape as well as damaged area needed to be fixed. Thanks for bidding and God bless!
1988 Rolls Royce Silver Spur - Runs great and price to sell !!


John Early joined Moore Ingram Johnson & Steele in 2013 as a member of the firm's litigation department. His practice is primarily in the area of Workers' Compensation defense. John has handled numerous workers' compensation hearings, mediations, and appeals throughout the State of Georgia, and he has experience handling every aspect of workers' compensation claims.
John received his undergraduate degree from the University of Georgia. He was awarded his J.D. from Georgia State University in 2010. Prior to joining Moore Ingram Johnson & Steele, John practiced criminal and civil law with a small firm in Canton, GA.


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text:
Fixed installation projectors
The Space Player™
Professional Display Accessories
Geometric Adjustment
Geometric adjustment for specially shaped screens - The entry into 3D mapping
Multi Lamp Technology. Panasonic Higher end DLP projectors are all equipped...
Miracast™ – Next Generation wireless technology. Seamless HD video...
Wireless projection using iOS/Android
Project PDF files, PPT and images saved onto an iOS or Android device
HDVC
HDVC Accessories Range. On both basic and enhanced HDVC models, there are...
Brazillian Pavilion at Expo Milano 2015
Panasonic AV technology has been used to illustrate the food, agriculture and technology of Brazil at Milan Expo 2015.
The Brazilian Pavilion was one of the busiest at EXPO Milano 2015. There were many reasons for the success, including a rope suspension net, a metaphor for the theme of "Solutions to satisfy the world's hunger."
The theme of the pavilion was to express a range of ideas such as flexibility, the search for balance and the articulation of rhythm, fundamental to human life. Within the pavilion itself, the food, agriculture and technology of Brazil was illustrated using Panasonic projectors and displays.
Leader in food production
Brazil's pavilion, which totalled about 4100 m2, was designed to show visitors all the initiatives, planned or under way, for expanding and diversifying food production. The pavilion demonstrates advanced technologies that are to be applied in a sustainable way in order to meet demand from around the world.
On the first floor of the pavilion, a 55-metrelong wall with a horizontal resolution of 35,000 pixels served as a screen for a short video.
Alessio Comper, who oversees installations at A&T Multimedia, the integrator that created the installation, explains, "One of the major installations consisted of 22 Panasonic PT-DZ870 video projectors with an ET-DLE030 ultra short throw lens with edge blending, these projectors form a single image on a wall more than 55 metres long.
"The projected images help visitors to explore raw materials and advanced agricultural techniques used in Brazil for diversifying food products. The ET-DLE030 lens made this installation possible because it means that an image 3.2 metres along the base can be projected from a distance of just 130cm. The projection extends to 2 metres from just 5cm above the floor."
"We were able to keep the depth of the installation very confined despite the difficulties inherent in the presence of other installations and structural components," said Alessio Comper.
"The ultra-short throw lens helped with this, as well as enabling visitors to approach the projection screen closely without covering the images."
The structure of the Brazilian pavilion was also attached to the walkway netting, which generated significant oscillations. The projected pixel was around 1.6 mm across; with 30% blending and the UST lens, a minimum amount of structural vibration was enough to affect the alignment and nesting of the film.
This difficulty was minimised by using fixing posts for the projectors with micrometric adjustment. Weekly maintenance was also done to check and recalibrate the blending electronically (using a remote control.) The 22 projectors were networked with Panasonic's multi-projector monitoring and control software. They were programmed to come on 30 minutes before the show began each day and go off 30 minutes after it ended.
On the wall opposite the edge-blended projection, five videowalls, each 1x5, were installed to display typical Brazilian agricultural products. Each videowall consisted of five Panasonic TH-47LFV5 monitors. All monitors were aligned horizontally and the display input had a horizontal resolution of 9600 pixels.
A PC was provided for each 1x5 videowall, with a DisplayPort video card to manage the independent content on display.
Back-projection
On the second floor, 24 Panasonic PT-DZ780 projectors were installed, displaying Brazil's food and agriculture story. The projection was divided among 24 stations, each with a proximity sensor to activate the projection on translucent screens as a visitor approached. The projectors were mounted on the opposite wall at a height of 8.5 metres.
For this projection the dimensions of the translucent screens were not compatible with the video format, blending was added to reduce the images and avoid overflow onto adjacent surfaces, demonstrating the adaptability of the PT-DZ870.
A Panasonic PT-DZ870 was also used in the auditorium, a 500 m2 structure accommodating 200 people and featuring retractable seating.
Christine Concheso, Deputy General Commissioner and Director of the Brazil Pavilion, said, "I believe our pavilion offered a really special concept. The multimedia installation was designed to be non-intrusive, creating a relaxed atmosphere. Our visitors varied from young students to entire families, to older people. This demonstrates the appeal."
A view of earth from afar
Electronics meets crafts at Fuori Salone...
When art meets design
Jesper Just: Art meets technology
Etihad at Milan Expo
German Pavilion at Milan Expo 2015
Japanese Pavilion


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Bez: 200-year-old Masonic plot to blame for water levy
Shaun Connolly
There have been many conspiracy theories swirling around the imposition of water charges, but the strangest yet has emerged from a celebrity candidate in the British general election — the levy is the fulfilment of a Masonic lodge plot dating from the Battle of Waterloo.
The claim was made by Reality Party candidate Mark Berry, better known as Happy Mondays dancer Bez, as he warned against a planned EU-US trade deal.
"What we are seeing now is a thing called TTIP — the Transatlantic Trade Investment Partnership — it's happening in Ireland all the time, that's why you've got to pay for water — people kicking off — everything is being sold off to private companies.
"What we are seeing is this TTIP and privatisation of everything, it's actually the transfer of power between Masonic houses, so what's happening is that power is shifting from the Hanoverian mother lodge to the Stuarts and the Knights Templar, which are the Americans, the French, the Germans, they are all part of that lodge, do you know what I mean?
"The privatisation, everything we see today, is the result of this deal what was done 200 years ago at the Battle of Waterloo," Bez told the Irish Examiner.
Angry clashes dominate televised election debate in North
Nigel Farage still Ukip leader after 'withdrawing resignation'
Galloway to challenge election result
Gove back as UK Justice Secretary after reshuffle
TOPIC: British Election 2015


The abbreviation of the journal title "Canadian nursing home" is "Can. Nurs. Home". It is the recommended abbreviation to be used for abstracting, indexing and referencing purposes and meets all criteria of the ISO 4 standard for abbreviating names of scientific journals.
home Home No abbreviation listed in TWA.


A few years ago, it was estimated that 43.5 million adults had provided care for someone in the previous 12 months. The care provided by family members is vitally important - yet it is generally not financially compensated and usually not well-integrated into health care systems. Ultimately, failing to support them costs health care systems, the economy, and communities.
Today, we see robust funder interest in health policy, within a broad frame of reference.
Every year brings important changes to Grantmakers In Health, and this year will be no different. GIH's financial position is strong and we have invested considerable energy into developing our staff, infrastructure, programs, and partnerships. We are a vigorous organization that is confidently moving forward to help funders stay on top of issues, communicate and collaborate, and strengthen their skills.
Who was Terrance Keenan, and Why is There a Terrance Keenan Institute?
This October, GIH is welcoming our fifth class of Terrance Keenan Fellows (TK fellows). We are proud of this milestone and of the evolution of the Terrance Keenan Institute for Emerging Leaders in Health Philanthropy (TKI) that the fellows are part of. This month's Bulletin celebrates the history of TKI and the promise of the TK Fellows.
Earlier this year, with the goal of generating new insights and ideas about the role funders can play to advance health equity for Latinos and other people of color in California, GIH and Hispanics in Philanthropy (HIP) convened a meeting in San Francisco for funders and community partners on building a movement for Latino health equity.
Far too often, rural people are left out of the national conversation because of their geographical and social isolation from mainstream America. Yet they face significant health challenges.
The power of collective engagement was on full display last month when the GIH Board of Directors convened in Washington, DC for both an annual retreat and the first board meeting of 2018. A key topic of conversation at this year's gathering was the role of health philanthropy and GIH in responding to gun violence.
A few weeks ago, I was the moderator for a conversation about "Building, Protecting, and Promoting Evidence to Achieve Health Equity," between Rich Besser of the Robert Wood Johnson Foundation (RWJF), and Bob Ross of The California Endowment (Endowment). The foundations share a commitment to health equity, but their approaches to achieving it vary in interesting ways.
As we prepare for the 2018 annual conference, Navigating Currents of Change, I have been thinking about foundations and community leadership. The conference will provide multiple opportunities for trustees, CEOs, and program staff to dive into the complexities of this topic.
We are gearing up for the 2018 GIH Annual Conference on Health Philanthropy and are looking forward to the energy and intensity generated by hundreds of funders who are committed to their work and to making positive change in their communities.
The uncertain future of the ACA has focused attention for the past several months on policies related to health care, but we should not lose sight of the factors outside of the health care system that profoundly shape health. Community development, housing, and domestic violence—all discussed in this month's Bulletin—are among them.
As part of our 35th anniversary celebration, we reached out to GIH board members and board alumni to share their advice to health funders about the primary challenges that philanthropy should be tackling. As described in my July letter, several pointed out the contributions health funders have made—and can continue to make—to policy change.
The annual conference showed again this year why it is the premier opportunity for health funders to talk to their peers about challenges, lessons learned, and the path forward.
As legend has it, GIH began as a conversation among foundation program officers at a Nathan's Famous Hot Dogs restaurant in New Jersey, in 1978.
A new GIH report describes an innovative and transformative approach to health care delivery called the Nuka System of Care.
Please join us in celebrating the contributions of Chet Hewitt and Ron Pollack!
I am pleased to announce that GIH is partnering with a collaborative of funders known as the Water Funder Initiative to launch "Healthy Water, Healthy People," a year-long initiative that will highlight the importance of this issue and explore philanthropic partnerships.
I recently joined local policy experts and colleagues from Grantmakers Concerned with Immigrants and Refugees (GCIR) and Grantmakers for Education (GFE) in a Washington Regional Association of Grantmakers (WRAG) forum on the 2016 presidential election's implications for philanthropy.
"Know your story," Eric Kelly, President of the Quantum Foundation, urged the fellows at GIH's recent Terrance Keenan Institute for Emerging Leaders in Health Philanthropy. People's stories, he explained, are the wellspring of values that provide enduring strength through both favorable and challenging times.
Last month, the first-ever Surgeon General's Report dedicated to substance use disorders was released.
There's a movement afoot within philanthropy to forge closer working relationships among affinity groups, regional associations, and other philanthropy-serving organizations.
In 2010 GIH established the biannual Terrance Keenan Institute for Emerging Leaders in Health Philanthropy (TKI) as a living legacy through which Terrance Keenan's words and deeds could inspire the field's future leaders.
Policies made at the local level have a tremendous influence on people's health. Whether it's the quality of foods served in schools, water fluoridation, urban zoning, or minimum-wage requirements, the list of health-related policies determined or regulated at the local level is nearly endless.
In case you've missed the news, we have a new location and date for the 2017 GIH annual conference. We'll be in Boston, Massachusetts June 21-23, 2017. Now is the time to send us your fantastic ideas for breakout sessions, films, site visits, and the tech café!


I am a representative of a few big clients looking to advance their SEO and link building services.
I would like to start a working collaboration with you as I am aware of your credentials and experience within the industry.
What this would mean would be setting up a google docs that we would work together on.
I would like you to populate the sheet with a new list if websites that meet our clients requirements on a weekly basis that you can post guest posts on, I will then go through the sheet and pick out the sites I feel are a good fit and will forward them on to the client.
We would like this sheet to be constantly populated with new sites to keep up with the demands of these clients.


This historic inn is located in the picturesque conservation village of Thornhill in the beautiful Nith valley. Our hotel is surrounded by fantastic countryside and scenery making us an ideal base to explore and enjoy the many outdoor activities and country pursuits available on our doorstep. Thornhill is only 1 hours drive from Glasgow Airport and 1 hour and 20 min from Edinburgh Airport.
Thornhill is well placed for the areas' great walking, fishing, shooting, golfing and cycling while you can also visit local historic attractions such as Drumlanrig Castle. Explore the rich heritage of this varied landscape by climbing the ancient hill fort of Tynron Doon - one of the best preserved in Britain - or marvel at the Queensberry Marbles in the elegant church of Durisdeer.
Fisherman will delight in the loch- and river fishing in and around the River Nith, while the Lowther Hills and the long-distance route, the Southern Upland Way, offer opportunities for walking and rambling for all abilities. Cycling is another popular activity in this area as you can take a leisurely cycle along the KM Trail, named after Kirkpatrick Macmillan, the inventor of the first pedal cycle, or go biking on the trails in the Ae Forest.


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Home→Obituaries→OBITUARIES: Nero, Ingham, Samascott
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OBITUARIES: Nero, Ingham, Samascott
May 15, 2015 by STAFF
Betty Jean Nero (1931 – 2015)
HUDSON—Betty Jean Nero, 83, of Hudson passed away Monday, May 11, 2015 at her residence.
Born September 1, 1931 in DeKalb, she was the daughter of the late William and Minnie Klock.
She was also predeceased by her husband, John Nero; her daughter, Teresa Matteson and her brothers, Charles, Earl, Milton, Kenneth and Lloyd.
Mrs. Nero was a salesperson for the Jersey Baking Company in Hudson. She was a loving and devoted mother and grandmother.
Surviving are: her son, John Nero of Hudson; her daughter, Chris Zimmer of Crystal River, Florida; four grandchildren; five great-grandchildren; two sisters, Eva LaRock of Canton and Gladys O'Leary of Norfolk; several nieces and nephews.
At Mrs. Nero's request there will be no services. She will be buried in Cedar Park Cemetery at the convenience of the family.
Arrangements are with the Bates & Anderson – Redmond & Keeler Funeral Home, 110 Green Street, Hudson.
Visit www.batesanderson.com to leave condolences.
Charles H. Ingham (1926 – 2015)
VALATIE—Charles H. Ingham, 88, of Valatie died May 13, 2015 at his home following a long illness.
Born December 31, 1926 in Kinderhook, he was the son of the late Claude and Ethel (McCagg) Ingham.
Mr. Ingham was a Korean War veteran. He served with the U.S. Army and worked for the New York State Department of Transportation as a road foreman in Chatham for many years. He was a life member of the Tri-Village Rod and Gun Club and the NRA. He was an avid hunter, fisherman, trapper and sportsman and enjoyed working on automobiles and being with his family.
He is survived by: his wife, Constance "Connie" M. (Hotchkiss) Ingham; three children, Cindee Mackey (Don), Chris H. Ingham (Mary) of Hadley and Craig R. Ingham (Jennifer) of Valatie; three brothers, Paul Ingham of Chatham, Robert Ingham of Bells Pond and Richard Ingham of Niverville; five grandchildren, Amy Mackey-Apholz (Ronnie), Donald C. Mackey, Joshua L. Ingham, Jeremy L. Ingham and Ethan C. Ingham; several nieces and nephews and a daughter-in-law, Laura Lea Ingham.
He was predeceased by his son, Charles H. Ingham, Jr.; brothers, Claude, George and Clarence (Mick) and sister, Alice Conway.
Funeral services will be held Tuesday, May 19, 11 a.m. at the Raymond E. Bond Funeral Home, 1015 Kinderhook Street, Valatie, with the Reverend Angela Nelson officiating. Burial will follow in Woodlawn Cemetery, Valatie. Calling hours will be Monday, May 18 from 6 to 9 p.m. at the funeral home. Memorial contributions may be made to Community Hospice of Columbia Greene, 47 Liberty Street, Catskill 12414 or to the Wounded Warrior Project, P.O. Box 758517, Topeka, Kansas 66675.
Elsie Samascott (1916 – 2015)
VALATIE—Elsie Samascott, 99, of Kinderhook died May 12, 2015 at Barnwell Health Facilities.
Born March 21, 1916 in Strattligen, Switzerland, she was the daughter of the late Casper and Mina (Rodler) Gertsch.
With her husband Oliver, Mrs. Samascott was the former owner of Samascott Orchards in Kinderhook, where she was well known for her pick-your-own on Sunset Avenue and the ice cream stand on Route 9-H.
She is survived by: two sons, Gary Samascott and Ronald Samascott, both of Kinderhook; seven grandchildren, Bryan, Jeremy, Krista and Jacob Samascott, Kayla Wilson, Jody and Lucas Samascott; eight great-grandchildren, two nieces and one nephew.
In addition to her husband, Oliver, she was predeceased by two sisters, Mina Dreimiller and Edith Keene.
Funeral services will be held Monday, May 18, 11 a.m. at the Raymond E. Bond Funeral Home, 1015 Kinderhook Street, Valatie. Burial will follow in St. Mary's Cemetery, Stuyvesant Falls. A calling hour will be held from 10 to 11 a.m. prior to the funeral.


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A Clear View
by Elizabeth George October 17, 2013
I love reading about the life of David in the Bible. I especially enjoy the part where he fought against Goliath, the giant. You see, David was just a shepherd boy. He spent his days out in the fields with sheep… but he also spent them with the Lord. He passed the lonely hours and days of solitude by tending the animals, singing songs to God, playing his lute, and thinking on the Lord and His care, protection, provision, and promises. (See 1 Samuel 17.)
One day David's father sent him to the battlefront to take food to his older brothers. When he arrived, Goliath came to the battle line and threatened God's people—again. He taunted them and put down their God. The result? The Israelite soldiers panicked and fled. But David, who had a fresh perspective because he'd spent so much time focused on God, said, in essence, to the warriors, "Hey! Don't let that guy talk to you like that! Sure, he's big, but you're the army of the living God!" David was like the child who sees things as they are and says it. The shepherd boy could see what the seasoned warriors didn't see. Because he'd been close to God, he viewed things differently—and accurately.
The same is true for you! When you're close to God, spending time in His Word, you see clearly. You see a situation for what it is. You possess strength, courage, wisdom, and proper perspective. And all because you've been focused on God!
Then David said to the Philistine,
"You come to me with a sword, with a spear, and with a javelin.
But I come to you in the name of the Lord of hosts, the God of the armies of Israel…"
Read A Clear View on Elizabeth & Jim George.
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