We had met six months earlier on Instagram. Somehow we happened to be following each other. After she liked a few of my pictures, I direct messaged her a picture of a bowl of coffee ice cream. "Yum!" she had said, and I asked her what she wanted to be when she grew up. "I'm hoping I never grow up," she replied, the perfect answer. I was a writer and data scientist in New York. She was a law student in Boston. Within weeks, we were texting.
That emojis can be powerful tools in building emotional intimacy seems absurd yet obvious at the same time. The ambiguity of the form allows the receiver to interpret them in accordance with his subconscious desires, his mind filling in the vivid imagery of a girl staring at him, eyes sparkling in admiration, hand pressed delicately on her chin. From the sender's perspective, it's far easier to express vulnerability when words need not be involved. Yet in hindsight, I wonder if that same effortlessness of use also makes them less meaningful.
We live in a culture that's dissociated traditional expressions of caring from actual caring. Like no longer means like. Heart no longer means love. And, as I learned from my Boston friend, xoxo doesn't mean hugs and kisses but is actually an ironic reference to "gossip girl xoxo." Sometimes I wonder if our world is only the natural culmination of a postmodern dream in which nothing is what it seems.
By September, our e-lationship had begun to gain steam. We had spoken by phone once, while I was in line at Starbucks in Astor Place and she was driving to some community service event. We only spoke for a few minutes but we made each other laugh and we talked about how our days were. Isn't that all we really need in life? Someone who listens, someone who cares, someone who briefly makes us feel less alone?
When I flew to San Francisco for work for a week, I was exhausted by days packed with back-to-back meetings. When I would return to my empty hotel room, often past midnight, inevitably, she'd be awake even though it was 3 in the morning on the East Coast. She was a night owl like me and we'd often fall asleep listening to the sounds of each other's voice.
Once I sent her a quote: "There's a considerable loneliness that comes from being awake when few others are. One feels both that one owns the world, and that despite this triumph, has no one to share it with." Minutes later, my phone buzzed: "Awww I'm awake baby boi, you're not alone." Many times, I felt like I was living in the movie Her, devoid of any meaningful female presence in my life except her virtual one. We were supposed to watch it together. We were supposed to do so many things.
I was driving to Los Angeles from San Francisco, passing through the barren, drought-stricken Central Valley, when she mentioned that she had been feeling out of it after having brunch with two friends who were about to get married. "They kept talking about wedding planning and all I could think about was my meeting with a VC investor next week," she said. I asked her if marriage was on her product roadmap. "Theoretically," she responded, expressing frustration at the lack of eligible young men.
"i'm far from a prince / just tryna put my soul through a rinse / meetin hella resistance / don't worry girl i'm made of persistence.
Me: I don't cry nearly enough, I really want to have more feelings, I feel like I had more when I was younger.
Scotto was on fire now, his animation clearly evident through his texts.
Scotto was incensed that she had flaked.
One of Michael's sayings – I call them Scotto's mottos – is "if you don't do it, it's not real." And when I think in hindsight about how it all went down with Boston girl, I can't help but question whether he was right. He deeply believed that the virtual world wasn't real; that's why he kept pushing me to force my e-lationship from e-world to the real world. But what if that chasm is too vast for some situations? What if crossing between them is like passing through a black hole, something that causes matter to collapse into itself, unable to withstand the pressure of the singularity?
"Focus on closing the sale and if not then exit," he told me. "Here closing means f2f meeting?," I asked. "Confirmed." I still had doubts. "But what if i also enjoy cost less flirting long distance? Youre saying thats a waste of time and a silly substitute for the real thing?" His response was to the point: "Would James Bond do that?" "Love it, thank you sir," I said.
This was the moment of truth. Proceed and be bold. There was a hackathon coming up in Boston the next weekend, and I had been asked to be a judge. I hadn't seriously thought of going. Until now. Bismillah.
She responded that she might actually be in New York that weekend for a meeting, but she had already told them she might not make it because she wasn't feeling well. I played it cool: "ok cool i'll probably see you saturday then." "Sounds good :)," she responded.
It was Saturday afternoon. Michael Scotto, his sort-of girlfriend, my friend Adam, and I were driving to Boston. I told him I had never done anything like this before, but he had been ridiculously persuasive, and here we were. Driving into Massachusetts, we played the song Boston by Augustana.
Me: hey i'm in boston.
Her: Yayy. Hackathon tonight right?
Me: It's winding down. Planning to stop by a friend's party tonight. What are you up to?
Her: Lol sitting on my couch in my oversized sweater drinking tea and reading.
Me: are you feeling well enough to leave the house?
Her: Not really 🙁 My neck is still red and swollen a bit 🙁 Im gross right now Trust me you don't wanna see me.
Me: Sorry to hear that. Hey listen, I'm going to be straight up with you because that's how I roll. We've been talking for a while now and I'd like to see if this might go further. But if you don't feel the same, just be honest and let me know.
Her: to be honest I haven't really thought about it much. I know we started talking a while ago and I seriously had no idea what to make it of it. Wasn't thinking you were interested in anything but networking. And I know lately we've been talking a lot more and have been a bit flirty lol guess I wasn't sure whether or not you were serious.
Me: I'm interested in having a relationship with you. The only way to know for certain is if we meet in person.
Her: Fair enough. I'm sorry I'm really not avoiding you or anything and would love to meet you, soon! Maybe tomorrow morning ?
Me: What time works best for you?
Her: What is your schedule like tomorrow?
Me: I'm pretty open. Does noon work for you?
Her: Yes! Are you downtown or in Cambridge? Rather which square are you near?
Me: I think it's closer to a rhombus actually. Lol staying with my friend at mit.
Her: LOL. You're actually right. Ok so you're by Kendall/MIT. I can meet you in that area!
Me: Okay cool let's meet at the stop at noon.
Her: I'll check places after I take a nap. Yes, I know I'm pathetic. I'm so old. I'm sleepy at 7:47 on a Saturday evening.
Later that night, I went to a party for my friend from Michigan who was in town and we texted briefly.
Me: I'm at a party with a few Muslim friends, you should come by.
Her: I would love to but did you not see the current hot mess I am baby boi?! Lol.
Her: Lol I'm in bed.
Me: Sleep well 🙂 See you tomorrow iA.
The next morning, I wake up to my phone buzzing.
Me: My three friends wanted to drive back to NY last night. The only reason they stayed is because we're meeting.
Me: Well I did wait. So are you the type of girl who does what she says or are you the type who flakes out?
Her: You didn't tell me about heading back! You told me you'd be here until Sunday. Hahah ouch. When I'm not sick, I always do what I say. I told you I wasn't feeling good and was hesitant to make plans this weekend. I had to cancel my ny meeting on Friday too. So really don't take this personally!
Me: If this were the other way around and you were in NY and I was sick, I would still keep my word and not stand you up last minute.
Her: Omg you're making me feel so bad. I don't wanna get you sick! I'm not standing you up just rescheduling. I'm really sorry, I had no idea you stayed only for brunch. I thought you had more hackathon related or friends to see today. I will make it up to you! I wouldn't force you to hang out if you were sick!
Me: I'll be honest with you. I took you seriously and only came to Boston with the intention of spontaneously seeing you. It was not the hackathon or any other reason. It was because I wanted to see if you were someone who could be part of my life. Clearly, you are not that person and six months of communication and a one-sided effort of me trying to meet you in person multiple times when we were in the same city shows me that this is not meant to be.
Her: I wish you told me this before. I told you earlier this week too. Anyway fair enough, I won't argue this because we clearly have different view points and it's kinda pointless. I'm not going to make a decision or judgement about the situation or "what could've been" considering it was only seriously brought up last night. I'm glad you had time think about it and decide on what you want. I honestly didn't even start thinking about it until last night. It's a bit unfair to expect someone to reciprocate everything immediately. 6 months is also a stretch…I recall us speaking on the phone for the first time in August. And probably texting often in July. Everything else was neither here nor there. Nonetheless, I am sorry for any inconvenience I've caused you. Was not my intention. Anyway best of luck with everything!
It was over in less than 500 words.
It's been five days since I lost my Snapchat best friend. I also thought about calling this story "Getting Catfished in Boston." Because isn't that what Catfishing is? When someone's virtual persona is radically different from who they are in real life? Was Scotto right that only the real world is real? Is it ironic that we had planned to watch the movie Her together?
What hurts me the most is our blind reliance on technology in our last fateful minutes together. It was clear that feelings were hurt and there were lots of emotions and misunderstandings in the air. Wouldn't it make sense to sit down and discuss them face-to-face? Why do we place our lives in the hands of these electronic devices that distort our meaning and corrupt our very understanding of what's real?
I was also thinking about the idea that we have to reduce friction, the dogma of Silicon Valley, the idea that we have to make it effortless and easy to stay in touch. We have to be wary of anything that reduces the amount of effort necessary to achieve something. Friction is the only way we have of knowing how much something matters. Ask yourself: how hard is it? That's probably a good gauge of how valuable it is.
Sending a "I'm looking at you with hearts in my eyes" emoji only requires one keystroke. Actually telling someone, "When I look at you, I feel a great deal of affection and tenderness," is hard. Somehow, when we see the first, we assume the latter, when it's not necessarily the case. Horace says, "Nil sine magno labore", nothing is valuable except that which requires great effort.
I'm also reminded of two somewhat paradoxical quotes from Facebook. The first one is "Move fast and break things." The second one is "Never confuse motion for progress." So you have to go forth, "proceed and be bold," but just because something is happening doesn't mean it actually constitutes progress; you could be moving around in a circle.
And no, I haven't heard from her since this went down. Except on Instagram – where she's liked all 4 of the pictures I've posted over the past week. But I'm not sure if that's real at all.
Perhaps it's only poetic, for a relationship that began with an Instagram direct message to end with an Instagram like.
Author's Note: An earlier version of this piece was read at the Muslim Writers Collective in New York on October 27, 2014, a few days after the events described in Parts 2 through 4 transpired. The author is grateful to numerous friends – especially Sona Makker and Sarika Persaud – for their critical and insightful feedback throughout the writing process.
Hamdan Azhar, an avid writer and cultural critic, is the co-founder of the Muslim Writers Collective.


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July 16, 2012 - Vancouver, British Columbia - Happy Creek Minerals Ltd. (TSX-V:HPY, the "Company") is pleased to announce that exploration is underway on its 100% owned, 165 square kilometre Fox tungsten property located approximately 75 kilometres northeast of 100 Mile House, British Columbia (B.C.) Canada. The Company has completed camp construction and geological mapping, sampling and prospecting are now underway. The drill will be mobilized shortly.
David Blann, President and Chief Executive Officer of Happy Creek states: "We shall soon begin drilling 25 holes with a focus on delineating the zone we discovered last year. This new discovery is at or within 10 metres of surface and contains high tungsten grades. In addition, there is a strong geophysical target about 65 metres below surface that is thought to represent another tungsten bearing zone. With drilling to date covering only 10% of a three kilometre long trend, the project holds potential for multiple mineralized zones".
During 2011, the first ever reconnaissance drilling of the Ridley Creek area returned results that extended the positive 2010 trenching results and confirmed continuity of the favorable geology. Refer to press releases dated October 3rd, October 20th and November 1st, 2011. Tungsten prices are currently around $38/kg W03 (tungsten trioxide).
The 2011 drilling represents approximately 10% of the area that contains positive tungsten in soil, rock and trench samples at surface. The BK, BN and 708 samples remain untested by drilling. In addition, induced polarization geophysical results indicate potential for important large scale mineralized zones beneath the near-surface zones. Multiple mineralized layers or zones may occur as found at the Nightcrawler zone, where previous drilling identified an area 1.5 kilometres by 500 metres in dimension containing positive tungsten values in multiple layers. For example drill hole 07F-05 contains 2.0 metres of 0.74% W03 and 2.0 metres of 0.48% W03 that remain open in extent.
The geological setting, nature and scale of mineralization are similar to other tungsten mines and advanced stage projects world-wide. Drilling in 2012 is first planned to consist of 25 holes covering an area approximately 400 metres by 250 metres in dimension. Surface geology mapping, sampling, detailed topographic surveys, initial metallurgical and environmental studies are also planned.
On the Company's Silverboss property, a three dimensional induced polarization (3D IP) and magnetic geophysical survey is also underway to cover the prospective Horse Trail (copper-molybdenum-gold) zone. On the West Valley copper property, 1200 kilometres of airborne magnetic and spectral (radiometric) surveys have been completed and results are pending. On the Silver Dollar property, south of Revelstoke, B.C., the Company has acquired several additional mineral claims that increase the size of the contiguous land package covering a number of historical past producing gold-silver mines and prospects. On the Silver Dollar, an airborne geophysical and LIDAR detailed topographic survey, surface geology and sampling is planned for late August and September.
The Company also wishes to announce the appointment of Richard (Rick) Lee as chief financial officer (CFO). Mr. Lee has spent over 30 years either working for public accounting firms or companies. He has a wealth of financial and accounting experience working with and for public companies which trade in Canada on the TSX-Venture Exchange as well as with companies registered with the SEC in the United States. Mr. Lee is a graduate of the University of British Columbia with a Bachelor's degree in Commerce and is a Certified Management Accountant having obtained his designation in 1991. Rick is Vancouver-based, and will replace Dale Hansen of Calgary, who has stepped down. The Company wishes to thank Dale for his professional services, dedication and support since November 2010.
Concurrent with the appointment as CFO, the Company has granted to Mr. Lee options to purchase 200,000 common shares of the Company, exercisable for a period of three years at a price of $0.18 per share.


text:
NR18-004 Consultation opens on mandatory new CO alarm BSS Requirements
A public consultation on a proposal to introduce mandatory new Boat Safety Scheme (BSS) Requirements for carbon monoxide (CO) alarms on boats opens today Friday 17 August and will run to Friday 9 November 2018. 17 August 2018
NR18004 Announce Consultation BSS Requirements CO Alarms For Boats FINAL
The suggested change sees a fundamental shift recognising that CO poisoning, a silent unseen killer, could affect boat owners and crews from sources of CO generated outside of the boat by others e.g. the use of engines and appliances on adjacent boats.
The BSS stakeholder and management committees took account of evidence from the Marine Accident Investigation Branch (MAIB) findings published in May 2017 following the 'Love For Lydia' double-fatal tragedy, starkly describing the potential risk posed to other boat users by carbon monoxide-rich engine emissions.
The BSS has launched the consultation to keep people in and around boats safe when the results of further recent testing it had sponsored, reinforced findings of the MAIB.
The proposed mandatory new BSS Requirements will see checks introduced for suitable CO alarms in good condition and in suitable locations on all classes of boat with accommodation spaces.
The additional recognised benefit is the anticipated effectiveness of CO alarms in preventing death or injury to boat owners placed at risk in their own boats from running the boat's engines or appliances.
Alarms can also serve to alert craft occupants to moderate levels of CO which can be a long-term threat to health if left undetected.
Comments can be made in the next twelve weeks using the consultation form on the BSS website, the deadline is 16.30 on Friday 9 November 2018. For more information on the proposals and to make comments, go to www.boatsafetyscheme.org/alarmconsulation2018
Graham Watts, BSS manager said:
I encourage all who may be affected to consider the Scheme's proposals and comment.
It's encouraging that so many boat owners already enjoy the protection of CO alarms, however if you haven't yet got one and we have persuaded you to act now, please take a look at a list of CO alarms recommended as suitable for boats by the manufacturers' body, here .
Follow fitting instructions supplied with the alarm, but if these are difficult to meet fully on a boat, then best practice placement guidance can be found in the CO Safety on Boats leaflet. The online version is available here.
The BSS will produce a summary of the views expressed in the consultation and the BSS responses, by Friday 21 December 2018. The summary will be published on the BSS website www.boatsafetyscheme.org
It is intended that a communications campaign will promote the final agreed changes in very early 2019. The mandatory new BSS Requirements are intended to come into effect from January 2019 and implemented as BSS Checks on 1 April 2019.
More information about staying safe from CO on boats is available at www.boatsafetyscheme.org/co
The Boat Safety Scheme, or BSS, is a public safety initiative owned by the Canal & River Trust and the Environment Agency. Its purpose is to help minimise the risk of boat fires, explosions, or pollution from boats harming visitors to the inland waterways, the waterways' workforce and any other people on or near the waterway.
The Marine Accident Investigation Branch (MAIB), is a branch of the United Kingdom Department for Transport, which can investigate any vessel related accident occurring in UK waters and accidents involving UK registered ships worldwide. Investigations are strictly limited to establishing cause, promoting awareness of risks and preventing recurrence. The reports do not apportion blame and do not establish liability. This link takes you to the report www.gov.uk/government/news/love-for-lydia-report-published
Note that the MAIB Recommendation, published in May 2017, concerning the Love For Lydia double CO fatality incident in June 2016 included the following recommendation: Recommendation – "the BSS make the installation of carbon monoxide alarms a requirement for recreational craft participating in the Boat Safety Scheme."

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The Asian economic crisis, which reached Korea in late 1997, provided the landscape for restructuring that allowed some Korean companies to excel while forcing others to close down. Strong growth in exports, due in part to the depreciation of the Korean currency, resulted in a remarkable recovery in the Korean economy. The government has accumulated significant foreign currency reserves and paid off International Monetary Fund (IMF) bailout loans in advance. While the stock market continues to fluctuate, the economy is substantially stable.
The Asian economic crisis also provided similar opportunities for restructuring the Korean life insurance industry. Companies that entered the crisis from a position of strength emerged even stronger, while less strong companies were left seriously weakened. In 1995, there were 33 Korean life insurance companies. Today there are 23, with the prospect of fewer companies by the end of 2001. This article reviews the experience and restructuring that has taken place in the industry since the Asian economic crisis reached Korea. It also discusses the recent trends of the life insurance industry.
Between 1998 and 2000, there were several attempted acquisitions of life insurers by foreign companies. However, aside from government interventions, only one transaction has been completed to date. Domestic companies have actively sought both foreign capital and foreign expertise to facilitate the necessary restructuring. The life insurance market is beginning to open to both non-Korean competitors and, within Korea, financial institutions other than life insurers.
Fiscal year (FY) 1998 (starting April 1, 1998) began with the announcement that MetLife was considering an investment of over US $1 billion to take over the troubled Korea Life. As talks between MetLife and the regulators slowly progressed, numerous other parties, both foreign and domestic, were rumored to be making bids. Ultimately, the regulators could not find a satisfactory bid, and consequently chose to nationalize Korea Life. Nevertheless, the perception was that Korea was more amenable to foreign capital and domestic restructuring, and merger and acquisition (M&A) activity, together with significant restructuring, began in earnest.
The years 1999 and 2000 witnessed the most active period of restructuring and merger and acquisition (M&A) in the history of the Korean life insurance industry. Allianz acquired First Life (Jeil) after an auction process, completing the one acquisition of a solvent company in the Korean industry in a manner typical of western M&A. Several insolvent companies (KukJe, BYC, Coryo, TaeYang) were acquired by financially strong companies (Samsung, Kyobo, Allianz Jeil, Hungkuk, respectively). The government arranged these acquisitions as the first stage of the restructuring plan after the currency crisis. As several of the chaebols (Korean business conglomerates) expressed interest in entering the life insurance industry to expand their presence in the financial sector, the government proposed that the chaebols be allowed to set up life insurance companies by taking over (and infusing capital into) the insolvent companies. Hyundai (via Hankuk and Josun) and LG (via Hansung) entered the insurance industry in this way. SK, one of the financially strongest chaebols, acquired Handuk and Kookmin, putting it in the top six, in terms of assets. Kumho Group took over Dongah Life to become the fifth largest insurance company. This was the second stage and the end of the restructuring plan initiated by the government after the Asian economic crisis.
The regulators recently declared three-medium sized companies—Hyundai, Samshin and Hanil—non-viable due primarily to the large realized losses from the default of corporate loans to the Daewoo group and other insolvent companies. Several life companies expressed interest in purchasing these companies with the government's promise to make up the losses. However, the deals fell through. As a result, Hyundai and Samshin are transferring their policyholders to the nationalized Korea Life. Hanil, however, recently succeeded in recouping the loans made to its related chaebol and was permitted to open new business operations.
It should be noted that these activities were largely driven by the government, not by market principles. However, future changes in the marketplace will be driven by market principles, as the entrance of additional chaebols into the life insurance industry will change the long-term landscape of the industry. The industry is in the process of restructuring into a group of large, local companies supported by chaebols, and a group of foreign companies supported by multinational insurers. The medium or small local companies will experience a more competitive market for products and capital. The survival of these companies will depend heavily on differentiated products targeted for niche markets, and their ability to raise capital to meet solvency requirements. Hence, medium-sized companies are likely acquisition targets of multinational companies with large capital bases.
Among the joint ventures, Manulife and Allstate withdrew from their partners, while MetLife and New York Life bought out their partners' shares. AXA's departure from its joint venture with DongBu Life is further indication of the difficulties foreign and local companies have experienced with joint ventures.
Table 1 summarizes recent growth in assets for Korean life insurance companies and recent restructuring activity. The companies are typically segmented into (1) the Original Six that began operations following the Korean War; and (2) New Korean, (3) Joint Venture and (4) Foreign, all of which began operations after the market opened in 1989. The Original Six continue to dominate the industry in terms of revenues, income and assets.
The industry crisis spawned numerous regulatory responses aimed at hastening the industry's recovery and improving its strength against future economic shocks. In January 1999, the Financial Supervisory Services (FSS) was established, through the consolidation of the roles of the Banking Supervisory Authority, the Securities Supervisory Board, and the Insurance Board. The establishment of the FSS was designed to facilitate the cleanup of troubled financial institutions, and to improve capital adequacy and the transparency of financial statements for banks and insurers.
Beginning in fiscal 1999, life insurers were required to mark assets to market, under an approach similar to US GAAP FAS 115 treatment. Trading securities are now marked to market in the income statement, while unrealized gains or losses on investment securities now flow through the equity account. This prevents insurers from hiding losses in subsidiaries.
Under IMF recommendations, life insurers were required in FY 1998 to hold net level policy reserves instead of the historical minimum of seven-year Zillmer. At the same time, life insurers were allowed to establish a deferred acquisition cost (DAC) asset equal to the unamortized 7-year Zillmer allowance, thus creating a net liability equal to the old minimum standard. Of those companies who held reserves in excess of 7-year Zillmer at fiscal yearend 1997, all except Samsung took the opportunity in 1998 to reduce net liabilities by establishing the full DAC, to offset losses on the investment side.
Also based on recommendations from the IMF, the FSS is instituting a minimum-required capital standard for life insurers based on the European Union formula: generally, 4% of general account individual liabilities plus 0.3% of net amount at risk. Under current FSS guidelines, this standard will be fully phased in by the end of FY 2003. It is notable that the FSS formula excludes any capital requirement on group pension liabilities. Also, this standard for required capital does not specifically reflect asset-related risks. The recent failures of life companies in Korea were largely related to exposure to defaults in corporate loan portfolios and heavy stock and real estate investments. Some question whether this formula is adequate to identify troubled companies in Korea.
In April 2000, the assumed interest rates in pricing were liberalized. But the FSS now prescribes an interest rate ceiling for the calculation of policy reserves, to prevent inappropriate assumptions. In 2000, the ceiling was set at 6.5% for participating products and 7.5% for non-participating products; in 2001, rates were reduced to 5.5% and 6.5%, respectively.
Historically, reserve calculations on interest-sensitive products were based on the guaranteed surrender value interest rates, which typically approach the ultimate interest rate in three to five years. Regulators, concerned that the level of reserves in early policy years were not adequate, mandated the use of ultimate interest rates for new business beginning in 2000.
The reported capital of the industry declined each year from 1993 to 1998.
Table 2 indicates that this decline is not confined to a particular group of companies, but was felt within three of the four industry sectors.
The improvement in reported capital in 1999 was mainly due to stock market performance and capital injections by government and shareholders. To meet stronger government solvency requirements, insurance companies tried to raise capital through affiliated companies and new investors. Initially, the regulators allowed subordinated debt to count as capital for solvency margin purposes. To meet solvency requirements, several life companies issued sub debt to each other or to affiliated companies. However, the FSS became concerned that the solvency problems of several companies would spread to the entire industry and responded by disallowing certain sub debt.
During FY 2000, the Korean stock market lost close to half of its value. This event, combined with low interest rates and declining profitability of saving products with high guarantees, resulted in many companies not improving their capital position as of year-end 2000.
The government currently plans to inject 2,100 billion won into Korea Life to cover net value losses associated with the two non-viable companies being merged into Korea Life, and then to put it up for sale. Once this infusion of capital is made, the industry finally is expected to be in a solvent position in total.
The profitability of the Korean life insurance industry dramatically improved in 1999, excluding Korea Life and Dongah Life, which accounted for losses of 814 billion won and 378 billion won, respectively. For example, Samsung reported a 310 billion won profit. This was attributed to the improved productivity of its sales force and capital gains from trading investments. While the profitability of domestic companies reduced significantly in 2000, foreign insurers, led by Prudential and ING, further improved their profitability. It should be noted that most foreign companies do not invest in the stock and real estate markets, and instead rely on large mortality gains from products such as whole life.
The Korean life insurance industry as a whole has not been profitable over the last seven fiscal years, and may not be profitable for several more years, because of structural problems such as high operating costs and high dividend guarantees on participating policies. With the move to non-participating protection products with higher margins, the profitability of the industry is expected to improve over time.
A better indication of industry profitability perhaps can be obtained by focusing on specific areas of experience. Current indications, including 1999 and 2000 (Dec.), suggest that surrender rates are now falling for most insurers and mortality and morbidity rates remain stable. These trends will improve the financial health of the industry.
Industry growth subdued during 1998 and 1999, as insurers focused their efforts on financial and product restructuring. Table 4 shows the premium income for the industry from 1993 through December, 2000. From 1997 to 1999, the Original Six insurers experienced a decrease of 5% in premiums, while the joint venture insurers experienced a decline of 17%, and the New Korean insurers lost 54% of premium income. The foreign companies, on the other hand, continued to grow with an increase of 236%.
The results of the first nine months of 2000 show large increases in premium income for all segments of the industry, except the New Korean. As consumers paid more attention to the financial health of life insurers, the Original Six insurers and foreign companies took advantage of better financial conditions to increase their market share. Even though the foreigners' market share is still less than 2%, in terms of premium income, their average growth rate during the last four years (including the currency crisis) was 150% per year. The foreigners' market share for new policies through nine months of FY 2000 is about 8%.
allow a higher level of profitability at lower risk than the indexed short-term savings products.
In response to the losses suffered during the Asian economic crisis, as well as the weakening of the chaebols, there is an increased emphasis among the leading life insurers on product profitability, asset-liability management, and financial management. We expect future product development to focus on products that pass through investment and other company experience, while avoiding the legal limitations on profits on par policies.
As described in the previous section, the shift toward protection products has been strongly felt in the market. Among the protection products, the whole life product is receiving attention from both consumers and life insurers. Foreign companies, such as Prudential and ING, developed and initially dominated this market through alternative distribution channels with a well-educated male sales force. With high persistency compared with other products in the industry, they made this market profitable, mainly because of large mortality gains and acquisition expense loadings sufficient to cover expenses. As other domestic and foreign companies begin to employ this strategy, it will be interesting to see whether this market continues to be profitable in the future.
Most companies are developing non-participating savings products as a strategy to improve profitability and capital levels. Current regulatory guidelines specify that a minimum of 90% of all pre-dividend profits on par policies must be returned to policyholders. Shareholders, on the other hand, are responsible for all of the losses from participating blocks, as long as a company has positive retained earnings. Under this rule, it is difficult for a company to accumulate enough capital through participating business to meet solvency margin requirements.
The development of interest-sensitive products was intended to cope with fluctuating interest environments. Historically, public index rates, which reset only on semi-annual basis, were used to define the crediting rate on savings products, but these rates could become quickly outdated, as market interest rates change dramatically. As a result, several life companies began using internal index rates to reflect new interest levels sooner. They claim that these new indices are beneficial to policyholders, as they will be more market responsive.
In the past, Korean life companies have not adhered to a strict discipline of matching cash flows of assets and liabilities. In part, the asset-liability mismatch in the industry is a result of inadequate availability of long-term fixed income securities in the Korean capital markets.
The asset-liability imbalance impacts the sales strategy of many Korean life insurers. For example, if a company expects high cash outflows in the future, it may motivate its sales forces to sell saving products to improve cash inflow. This strategy was employed by many of the domestic life companies at the time of the Asian economic crisis. As a result, companies sold large blocks of single-premium policies with little consideration of asset-liability management. Maturities in invested assets supporting this business are significantly shorter than the maturity structure of the liabilities. As interest rates declined in recent years, this block of business depressed the profitability of the life insurance industry.
This situation significantly reduced the profitability of savings products and forced life companies to re-price all major products over the last year. With consistent improvements in persistency rates and shifts to protection products, life companies predict the duration of liabilities will lengthen. Several companies tried to extend the duration of investments by launching personal loans, collateralized by residences, and investing in long-term treasury bonds.
Another industry approach is investing in stocks as long-term assets. Under recent revisions to accounting standards, fluctuations in the stock market will directly affect the capital/surplus position of the company. Insurance companies must confront the challenge of stabilizing future income patterns while making long-term equity investments.
Because a limited number of chaebols have historically dominated the Korean economy, it has been difficult for life companies to avoid concentration risk in their investment portfolios. Most of the recent failures in life companies were related to their exposures to the Daewoo group and other insolvent chaebols. Currently, the Hyundai construction group is facing solvency problems. The total exposure of the life industry to Hyundai is not clear, but could potential cause further damage to the financial health of the industry.
Much of the restructuring necessary to ensure the continued viability of the Korean life insurance industry appears to be well underway. The industry absorbed the effect of measures to strengthen reserve bases and to force quicker recognition of future investment losses. Even though several loan defaults and real estate write-downs were incurred in the last three years, future deterioration of investment quality is still possible. One industry credit researcher predicts that the potential corporate loan defaults for only the companies listed in the Korean stock market will be 75 trillion won. Defaults of corporate loans may continue to be a large burden to life insurance companies in the future.
The recent entry of additional international players such as Allianz and others, should stimulate competition within the market and hasten the development of new products and sales channels. Other foreign insurers, such as Prudential and ING, show that targeting niche markets with efficient distribution channels can be profitable in the Korean market. It should be noted that another critical factor of the foreign successes is strong management and financial control, which has proven to be more difficult in joint ventures.
ING, Allianz, and Prudential are active in other financial industries, such as banking, trust, and investment banking, as part of overall bancassurance strategies in Korea. With leading experience in bancassurance operations in their own countries and a much larger base of capital, these companies are expected to play bigger roles in the Korean financial marketplace in the future. Because domestic life companies have had limited access to other financial industries, due to strict regulations and lack of capital, they will have a disadvantage in exploring opportunities in this new market.
As life insurers in other countries have discovered, the Korean life industry must design products and distribution systems that meet customer needs and provide adequate return on capital, or it will ultimately lose its market to more innovative financial players.


Explore how blood is moved from parts of our body, to the heart, the lungs, and back to the body. The circulatory system is VERY IMPORTANT!
This video depicts the blood moving through the heart with each beat. It has been included within the Field Trip Through the Heart Minecraft world.
This is the teacher-created world that will allow students to journey through the heart, answer questions and be creative!
Students will explore and navigate the path that our blood takes through the heart, lungs and body.
Students will identify key components of the heart and lungs that are vital for blood circulation.
How does the blood move in our bodies?
Why do we need to breathe in oxygen?
What purpose does the heart provide for us?
Can we survive without a heart?
Can we survive with the lungs?
After showing students a model or illustration of the heart and how the blood moves through it, students will then enter the Field Trip Through the Heart World in Minecraft. In this world, they will interact with Dr. Mobogo, who will guide them and teach them about the vital components of the heart and lungs.
At the end of the tour, students will be asked some questions about their journey, and they will be given the opportunity to create something on their own.
There is a quiz component to this lesson, as students will be asked a series of questions about different parts of the heart. If they answer correctly, they will be teleported to the next question. If they answer incorrectly, they will be teleported to the part of the heart that they need to revisit to improve their learning.
Once all 5 questions are answered, students will be given the opportunity to create using the Chemistry component.


text:
var demand = require('must'),
	LocationType = require('../LocationType');

exports.initList = function(List) {
	List.add({
		location: {
			basic: LocationType,
			customRequired: { type: LocationType, required: ['state', 'country'] }
		}
	});
};

exports.testFieldType = function(List) {
	var testItem = new List.model();

	var emptyLocationValues = {
		number: '',
		name: '',
		street1: '',
		street2: '',
		suburb: '',
		state: '',
		postcode: '',
		country: '',
		geo: []
	};

	var resetLocationValues = function() {
		testItem.set('location.basic', emptyLocationValues);
		testItem.set('location.required', emptyLocationValues);
		testItem.set('location.customRequired', emptyLocationValues);
	};

	it('should update its value from flat paths', function() {
		resetLocationValues();
		List.fields['location.basic'].updateItem(testItem, {
			'location.basic.number': 'number',
			'location.basic.name': 'name',
			'location.basic.street1': 'street 1',
			'location.basic.street2': 'street 2',
			'location.basic.suburb': 'suburb',
			'location.basic.state': 'state',
			'location.basic.postcode': 'postcode',
			'location.basic.country': 'country',
			'location.basic.geo_lat': '-33.865143',
			'location.basic.geo_lng': '151.2099'
		});
		demand(testItem.location.basic.number).be('number');
		demand(testItem.location.basic.name).be('name');
		demand(testItem.location.basic.street1).be('street 1');
		demand(testItem.location.basic.street2).be('street 2');
		demand(testItem.location.basic.suburb).be('suburb');
		demand(testItem.location.basic.state).be('state');
		demand(testItem.location.basic.postcode).be('postcode');
		demand(testItem.location.basic.country).be('country');
		demand(Array.isArray(testItem.location.basic.geo)).be.true();
		demand(testItem.location.basic.geo[0]).be(151.2099);
		demand(testItem.location.basic.geo[1]).be(-33.865143);
	});

	it('should update its value from nested paths', function() {
		resetLocationValues();
		List.fields['location.basic'].updateItem(testItem, {
			location: {
				basic: {
					number: 'number',
					name: 'name',
					street1: 'street 1',
					street2: 'street 2',
					suburb: 'suburb',
					state: 'state',
					postcode: 'postcode',
					country: 'country',
					geo: ['151.2099', '-33.865143']
				}
			}
		});
		demand(testItem.location.basic.number).be('number');
		demand(testItem.location.basic.name).be('name');
		demand(testItem.location.basic.street1).be('street 1');
		demand(testItem.location.basic.street2).be('street 2');
		demand(testItem.location.basic.suburb).be('suburb');
		demand(testItem.location.basic.state).be('state');
		demand(testItem.location.basic.postcode).be('postcode');
		demand(testItem.location.basic.country).be('country');
		demand(Array.isArray(testItem.location.basic.geo)).be.true();
		demand(testItem.location.basic.geo[0]).be(151.2099);
		demand(testItem.location.basic.geo[1]).be(-33.865143);
	});

	it('should remove the location.geo path without valid values', function() {
		resetLocationValues();
		List.fields['location.basic'].updateItem(testItem, {
			'location.basic.geo': ['151.2099', '-33.865143']
		});
		demand(testItem.location.basic.geo[0]).be(151.2099);
		demand(testItem.location.basic.geo[1]).be(-33.865143);
		List.fields['location.basic'].updateItem(testItem, {
			'location.basic.geo_lat': '',
			'location.basic.geo_lng': ''
		});
		demand(testItem.location.basic.geo).be.undefined();
	});

	it('should validate required fields', function() {
		List.fields['location.basic'].validateInput({}, true, testItem).must.be.false();
		List.fields['location.basic'].validateInput({
			'location.basic.street1': 'street1',
			'location.basic.suburb': ''
		}, true, testItem).must.be.false();
		List.fields['location.basic'].validateInput({
			'location.basic.street1': 'street1',
			'location.basic.suburb': 'suburb'
		}, true, testItem).must.be.true();
		List.fields['location.basic'].validateInput({
			location: { basic: {
				street1: 'street1',
				suburb: 'suburb'
			} }
		}, true, testItem).must.be.true();
		List.fields['location.customRequired'].validateInput({
			'location.customRequired.street1': 'street1',
			'location.customRequired.suburb': 'suburb'
		}, true, testItem).must.be.false();
		List.fields['location.customRequired'].validateInput({
			'location.customRequired.state': 'state',
			'location.customRequired.country': 'country'
		}, true, testItem).must.be.true();
	});
};

redpajama_set_name: RedPajamaGithub


Change is hard. People often seek psychotherapy around change. They want to change. People in their lives want them to change. Or some life change is affecting them in a meaningful way. Often, it's a combination. I can help you sort through these challenges when we work together in therapy. My range of training and experience give me the tools to guide you through the process of change, enhance your coping skills and cultivate the curiosity to understand the implications of your past, manage your current situation, make meaning of your thoughts and feelings and strengthen yourself for the future.
I specialize in the treatment of behavioral and substance addictions, eating disorders and compulsions. In my practice I also support individuals, couples, parents and families through transitions related to developmental milestones such as sending children to camp, or helping adolescents and young adults adjust to college and graduate school. Often I counsel people when they are dealing with challenging transitions in their life such as questioning their sexual or gender identity or coming out, changing careers, grappling with infertility, managing the turbluence of parenthood or adjusting to life in the context of relationship loss/divorce or bereavement.
Before a recent relocation to the metrowest suburbs of Boston, I was in private practice on the Upper West Side of New City, a staff psychologist at Upper East Health (an integrative addiction psychiatry practice), a founding partner of Camp Sisters Consulting, a consultant to various medical practices and healthcare companies and a published academic author.
I am able to work with you, your family or organization in my office, on site or via teletherapy or phone consultation, when appropriate.


Months of hard work and preparation by local residents will showcase the talent and skill the county has to offer in a variety of events.
Three royalties have been named, animals have been carefully fed, fruits and vegetables have been raised, and arts and crafts have been created.
See the back page of the San Juan Record, or the SJR website at www.sjrnews.com, for a full listing of fair events.
A fair guide was mailed to county residents and will also be available at the fairgrounds.
Saturday is Pink Day at the fair for breast cancer awareness.
The Down 'N Dirty Mud Bog starts at 10:30 a.m. at the fairgrounds and is free for spectators. The event features vehicles large and small.
The 4-H Horseshow begins at 11 a.m.
New this year is an Altitude Mud Run sponsored by Monticello Youth Running. There will be several divisions and races, including a 5K.
Blue Mountain Round-up Rodeo events will open the first weekend of the fair on Saturday, August 4 with Ranch Bronc, Brahma Bull Riding, and Barrels at 7 p.m. at the San Juan County Fairgrounds.
A dance on Saturday night from 9 to 11:30 p.m. will feature music from many genres. Door prizes will be given throughout the night and dance instructors are available.
On Monday, August 6 from 5 to 7 p.m. is the annual Monticello High School wrestling team Navajo Taco dinner.
Afterwards, a "Fair"ly Fun Game Show Night begins at 7 p.m. with Minute To-Win-It games, providing fun for the family.
A family movie night begins at dark (about 9 p.m.) on Monday evening.
Tuesday, August 7 at 5 p.m. is the annual Mud Volleyball Tournament.
The Farm Bureau Talent Find begins at 6 p.m. on Wednesday, August 8.
Afterward, fair exhibits will open to the public.
Pick n' Draw Jackpot Team Goat Roping will take place at the Junior Livestock pavilion on Wednesday night beginning at 7 p.m.
4-H Fun at the Fair kids activities begin at noon on Thursday, August 9. The Children's Fair continues on the grass from 2-4 p.m.
Live in concert at the fairgrounds on Thursday, August 9, beginning at 7:30 p.m., is world famous Diamond Rio. Eric Dodge is the opening act.
The All Night Softball tournament starts Friday, August 10 at 6 p.m. at the Monticello ballfields.
Local Rodeo and Horse Games take place on Friday at 7 p.m.
A host of additional events, culminating in the annual Jr. Livestock Auction and the Blue Mountain Youth Rodeo, will take place on the final weekend of the fair.
Miss San Juan is Queen Elise Thayn with first attendant Apsen English, second attendant Kiley Tracy, and third attendant Journey Baird.
The Blue Mountain Roundup Rodeo Queen is Shelly Lewis with attendant Davi Bowring. Jr Queen is Tayia Bennett.
Little Miss Wrangler is Paisley Monson, daughter of Logan and Sara Monson. Little Mister is Jed Grover, son of JJ and Tamra Grover.
The fair requires volunteer service from a host of area residents, under the direction of Fair Manager Anna Fredericks.
Fair board members are Katherine, Cindy, and Sherry Sallee, JJ Grover, Chris and Kent Adair, Susan Reeve, Jason Shumway, Cheryl Wheeler, Art and Crystal Adair, Cheyenne Low, Gloria Eberling, Paige Wray, Jennifer Hoggard, Sarah English, Brenda Freestone, Karah Nay, Dayna Young, Jackie Steele, Staci Hoggard, Ginger Tracy, Kim Tracy, Sarah Pipkin, Krieg Adair, Steve Draper, Patty Christensen, Janiece Atwood, RL Wilcox, Shaylee Adair, Cheyenne Grover, Jens Grover, Brad Bunker, Sulane Knight, Sierra Monson, and Emily Tuttle.


text:
Comic Con, India, Live video
Twitter signs on 12 desi content partners. Here's more
Social media platform Twitter Tuesday announced that it has formed more than 50 premium video content partnerships in the Asia Pacific region.
By Elton Gomes
Social media platform Twitter Tuesday announced that it has formed more than 50 premium video content partnerships in the Asia Pacific region. Out of these 50, Twitter has formed 12 collaborations with Indian partners for live streaming and video highlights programming in sports, entertainment, and news. Among the Indian partners, Twitter has signed on Shah Rukh Khan's production house Red Chillies Entertainment, Viacom18's music platform Vh1 Supersonic, Comic Con India, Network 18, NDTV news, Filmfare and cricket app CricBuzz, Live Mint reported.
Twitter fans will be over the moon as these collaborations will bring in hundreds of hours of live stream and video highlight programming across sports, entertainment, and news to the platform, Twitter said in a statement. "Content is happening now at Twitter, and we have proven through the efficacy of the partnerships we have crafted, that content programming and distribution on Twitter is an essential part of any media company's audience engagement and content monetisation strategies," Kay Madati, global vice president of content partnerships at Twitter, said in a statement, the Economic Times reported.
Twitter teams up with AOL to distribute original video
By partnering with Indian content companies, Twitter looks to expand its video content. In April 2017, AOL UK said it would be distributing its original video content commercially via Twitter, in an attempt to make its video advertising business "as big as TV". The partnership meant that advertisers would be able to sponsor or run pre-roll ads across AOL's original video content in the UK, and then retarget those audiences on Twitter. Advertisers would also be able to choose categories of video content to run ads next to content on Twitter, while the micro blogging site would insert their ads into relevant AOL original video content.
Advertising via social media platforms
Video consumption has been witnessing a sea change around the world. Empowered by on-the-go accessibility, a greater control over viewing experience, and a variety of shows to choose from, digital-savvy audiences are tending to choose online content platforms over traditional viewing platforms. This is why advertisers have turned to social media sites to market their products.
More importantly, marketers have set their sights on mobile platforms to merge social media and marketing. It has been estimated that by 2020, there will be close to 6.2 billion smartphones in the world, and the number of users on social media platforms will continue to skyrocket. Throughout 2017, live video content continued to have a strong presence on social media. And the trend does not seem to stop anytime soon – which is why Twitter's decision to form partnerships with Indian content developers is sure to help the company in the long run.
Elton Gomes is a staff writer at Qrius


Your LASIK Twin is someone just like you - same age, gender, prescription, and vision issues - that had LASIK and is loving it! Just fill in the story below, and we'll instantly show you a video of your LASIK twin telling their story.
Fill out our form below! It's super easy and it helps us to get to know you better.
Click the "Meet My Twin" button!
Meet your LASIK Twin! Our system will find someone just like you. They're the same age, have the same prescription, and LOVE their LASIK results!
Just enter your information by clicking each blue area below!
Make this story your own to meet your lasik twin!
I've spent too many of my years dealing with poor eyesight!
My prescription is your prescription? for farsightedness for nearsightedness only for wearing glasses while reading , and I do/do not do do not have an astigmatism.
Help me find my male/female male female LASIK twin!
Nobody should have to suffer with poor vision, awkward glasses or cumbersome contacts. That's why we're giving you $1,000 toward your LASIK procedure just for watching this video! Fill out the story above, click the button, and we'll email you your $1,000 gift card right away. Is this the easiest $1,000 you ever made or what?
Get a FREE consult from one of expert LASIK surgeons and find out how LASIK can bring your life into focus!
Still Not Sure About LASIK?
Just download our LASIK Info Kit now! It's got all the stats, facts, FAQs, and patient stories you need to understand the process and decide if LASIK is right for you.
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text:
Crank Baseball
Camp Mission
Crank baseball was created to offer aspiring college baseball players the chance to showcase their abilities in front of the top college coaches in the northeast. Crank camps allow players to showcase all areas of their game throughout the day long event. As a former college player and coach, camp director Matt Mayo can provide valuable feedback to players trying to get to the next level. Crank provides the same opportunities of the area's most elite showcase camps, at a fraction of the price. There is no reason to pay $1,000's of dollars to showcase your baseball skills when Crank baseball can offer the same experience for just $295.
There are no events scheduled at this time.
Please check back again soon
as we regularly update our schedule.
Coach Matt Mayo – Crank Baseball
The 2010 Fermi High School graduate was named All-Conference all four years and was named All-State twice in his high school career. The Enfield, Conn. native began pursuing a college degree in the fall of 2010 at Indian River State College, a highly touted Junior College in Fort Pierce, Florida. During the 2011 summer, Mayo played in the Florida Collegiate League, where he was awarded first-team league honors. The following year, Mayo transferred to Division II Mars Hill University in Mars Hill, North Carolina. Mayo spent the 2012 summer playing for the Geneva Red Wings in the New York Collegiate Baseball League (NYCBL) and spent the 2013 summer out west, playing for the San Francisco Seals in the Far West League and Alaska League. He was named to the All-Star Game during that summer in the Far West League. Mayo then headed to NAIA, Point University, located in West Point, Georgia. The most recent summer of 2015, Mayo played for the Seacoast Mavericks in the Futures Collegiate Baseball League (FCBL).
Matt Mayo's coaching career is just beginning. His first coaching experience was in the Fall of 2013 where he served as the 18U Head Coach for the Dream Bat Bombers Fall team. He coached the team to the league championship game that fall. The following spring at Point University, Mayo served as a Student-Assistant Coach. That summer, of 2014, he was an Assistant Coach for the 18U Dream Bat Bombers team and Head Coach in 2016. In August of 2016, Matt served as a trials coach for the USA Baseball Women's national team.
Powered by Dream Bat Company
Web Site and Registration Services from:
Matthew Mayo
Matt@CrankBaseballCamps.com


Welding services can offer a variety of services to meet the needs of different customers. It is easy to achieve construction needs with the help of welding services. Welding is a process that is used to join two pieces of metal through heat and pressure. Unlike in the past, welders use lasers instead of fire as a source of heat and pressure. There are different types of welding services from welding to architectural metal. Experts in welding use aluminum and steel or stainless steel and weld them to provide finished products according to your needs.
You can also get flame and plasma cutting services from a welding company. They use either small or large aluminum or steel for your cutting projects. You can also hire the welding services for fabrication tasks. Sheet and plate metal bending, forming, shearing, punching, saw cutting, drilling and saw cutting are some of the fabrication services you can expect from the welding companies.
Machining and milling is another service offered by the welding companies. Others might want to hire them for structural projects. Some of the fabricated structural products are like tube frames, stairs, platforms among other customized structural items to meet specific needs of the client.
Manufacturing services you expect from the welding services are like punching, sawing, flame cutting, machining, drilling, metal shearing among others. A reliable company provides clients with welding repairs and maintenance services. In most cases, welders provide repair services for different fields such as forestry, mining, and constructions. Welders offer both commercial and residential services. View here to know more about Casper welding fabrication.
If you need welding services; it is vital that you hire the services of the best company. Before you choose one, make sure you understand the elements that make a good welding company. Construction projects are vital that is why you need to hire quality services. You can detect a good company if they give you the freedom to present your fabrication ideas. Welding experts start by developing the design and then use them to give you an end product. First you need to find out the equipment used by the company. It is crucial that you hire a company that utilizes the latest technologies and equipment. Confirm if the welders are trained and skilled professionals click this link.
Make sure you hire welders that meet top industry standards to ensure you get the best services. The company you hire, ought to have quality customer service that understands the needs and demands of their clients. A good welding company will utilize different welding methods to produce quality products with minimal charges. Mobile welding services are also an option, but you need to ensure they come with all the required equipment and tools. An ideal welding company has several years' experience in various welding activities.


Ahem, well actually there is.
The invoking of 'Article 50 of the Treaty Of The European Union' was carried out after a vote in the House Of Commons on 1st February 2017, where MPs voted 498 in favour, and 114 against, a majority of 384. Quite a significant majority.
I have added my own emphasis to the particular section I would like to draw to the attention of our MPs.
By "treaties shall cease to apply to the State in question" this of course means European Union treaties that we are currently bound by as a member of the European Union will no longer apply as we will no longer be a European Union member.
So Article 50 clearly states that "the state in question" (ie the United Kingdom) will leave the European Union either if a withdrawal agreement is made (ie 'leave with a deal'), or two years after the notification of leaving is made (ie 'leave with no deal').
It makes perfect sense to me, but then what do I know, I'm just an ordinary commoner!
So, to those MPs now protesting that there is "no Parliamentary majority for a No-Deal Brexit", actually there is, because surely they read and understood the wording of Article 50 before they voted in favour of it?


text:
Holy Water Frontman David Knight Passes Away
Holy Water singer David Knight passed away at the age 0f 50 on April 21st, although details surrounding his death are still developing.
With Holy Water Knight released 'The Collected Sessions' through Perris Records in 2009, an album that culminated the group's recordings from the early '80s to the early '90s.
Holy Water bassist Freddy Villano shared his memories of Knight with Sleaze Roxx. "David was a phenomenal singer and those who knew him and/or heard him sing will most definitely attest to this fact. His death is so sad, on a personal level, obviously, but also on a professional one — mostly because I think he deserved so much more as a singer and songwriter. He was a truly talented individual whose voice could've had mass appeal"
"All I Need", the video and single released by Holy Water in support of 'The Collected Sessions', is quite possibly the last song Knight ever wrote, recorded and sang.
"David's enthusiasm for the track "All I Need" was totally palpable," Villano continued. "He really felt this was a new direction for Holy Water and was eager to make more music together using this template. David was never really a 'metal' guy. Even back in the day it was a hard role for him to assume, especially in a world of Bon Jovis, Mike Tramps and their kin. It just wasn't his thing. He was influenced by more mainstream artists like Elton John, Billy Joel, REM, etc. So I think the direction of "All I Need" really appealed to him in a visceral way."
Courtesy of www.sleazeroxx.com


Rabada played a big part in ensuring a win for South Africa in the first ODI.
Fast bowler Kagiso Rabada has said that South Africa must strive to carry forward the momentum they've gained by handsomely winning the first ODI against Sri Lanka in Dambulla. Rabada played a big part in ensuring a much-needed triumph for his team in the first game and now he has urged Proteas to not take their foot off the paddle.


Kafé Kirk is Kirk Whalum's love letter to his hometown, as well as a chance to bring some of the musically gifted friends he's made over the years to Memphis. But he's also made a holiday tradition of "The Gospel According to Jazz," a love letter, well, to the Birth of Christ.
Both of these came together spectacularly Sunday night at the Halloran Centre for the Performing Arts – with an assist from legendary drummer and percussionist, Sheila E.
Check out the clip above for a humorous intro for Sheila E., in which the band is grooving her smash hit "The Glamorous Life," and just as she's about to sing, the rest of the band breaks into "Hark the Herald Angels Sing." And if that sounds like fun, it was.
By the end of the night, Whalum had launched into full worship mode, complete with a foot-stomping, dancing in the aisles, organist solo finale that would have been right at home at the end of any Missionary Baptist or COGIC sermon.
The next Kafe Kirk is set for February. To get tickets, visit orpheummemphis.com.


Humane Society of Houston County, Inc. is a 501(c)3 non-profit organization dedicated to serving the citizens and animals of Houston County, Georgia. Our volunteers work tirelessly to educate the public on the importance of spaying & neutering, micro-chipping and responsible pet care. Humane Society HoCo serves the Houston County area including Warner Robins, Perry, Centerville, Bonaire, and Kathleen covering more than 376.75 square miles. We want nothing more than to save as many homeless animals as we can and find them wonderful forever families. We rely entirely on private donations, self-generated income (adoption and receiving fees), foundations, and corporations for all funding. Humane Society HoCo is not a branch of any national organization, such as the Humane Society of the United States, nor do we receive funds from any city, county, state or federal source. Every cent goes directly to helping our animals, many of whom have special needs and therefore have additional veterinary expenses.
The Humane Society of Houston County, Inc. has many wonderful dogs, puppies, cats and kittens available for adoption. The adoption fees include the cost of the animal's spay or neuter, their age-appropriate vaccinations, de-wormer, heartworm test (for dogs over 7 months old), FLV/FIV Combo test for cats, and microchipping.
We want to make sure that our furry friends go to loving and caring forever homes. All prospective new pet owners are asked to complete our online adoption application. We recommend that you spend 20 - 30 minutes with the pet you would like to adopt to make sure your chosen pet is the right companion for you and your family. Our volunteers will be on hand to provide valuable insight into each pet's personality and help you find a perfect match.
Once the application is completed, an adoption counselor will talk to you about your application and about the pet you have chosen to adopt. You must be approved by the adoption coordinator in order to adopt. After the process is complete, you and your new family member will receive your Purina Pro Plan Rally to Rescue Adoption Kit and begin your happily ever after!
Dee Allison, President; Daphene Stafford, Vice President; Amanda Campbell, Treasurer; Kathleen O'Neil, Co-Treasurer; April Vereb, Secretary; Vacant, Director of Animal Welfare; Vacant, Director of Volunteers; Vacant, Director of Media.
Ruth Collins, Ruby Gauntt, Gloria Hamlin, Debbie Liby, Shonia Laumann, Julie Holseth, and Robin Yesconis.


In an emergency, please call the presbytery on 0208 399 9550 and one of the priests will pick up any messages.
Please feel free to email the Parish Administrator on tolworth@rcaos.org.uk with any general enquiries.
You can contact the webmaster, Andrew Richardson, via the Parish Office.


text:
Thomomys bottae howelli is een knaagdier dat voorkomt in zuidwestelijk Noord-Amerika. Dit dier is een ondersoort van de valleigoffer (Thomomys bottae). Hij is oorspronkelijk beschreven door Goldman (1936). De typelocatie, de plaats waar het exemplaar vandaan komt op basis waarvan de ondersoort oorspronkelijk is beschreven, is in Mesa County (Colorado).

Literatuur
Goldman, E.A. 1936. New pocket gophers of the genus Thomomys. Journal of the Washington Academy of Sciences 26:111–120.

Dier uit het Nearctisch gebied
Goffers

redpajama_set_name: RedPajamaWikipedia


Several cartoon collections are available, and S. Harris owns the copyright to all the cartoons in the books. Therefore, it will be easy for you to get reprint permission and reproducible copy.
You can purchase S. Harris books online through amazon.com. Click on a link below to go to the page for that title on amazon.com, where you will find a description, ordering information, and more.
From preschoolers to emeriti, there are jabs here at education and cultural literacy.
Not just talking dogs, but talking anteaters, wart hogs, pigeons, bugs (including a dung beetle), skunks and pigs—but the platypus doesn't say a word.
While a chemistry professor explains the periodic law and physics professor diagrams the atom, S. Harris's cartoons help illuminate these fascinating ideas.
The Research Mall, Fermat's First Theorem and six Dr. Quark comic strips!
Beginning with the famous Miracle and ending with The Meaning of Life, this collection covers just about everything in between.
As Darwin slides into third base and Mozart goes digital, Dr. Quark's comic strip pops up every twenty pages or so.
This title is out-of-print, but the author has all of the remaining copies. You can purchase them directly from him for $10 each, postage paid. Complete the Contact form, and specify that you are interested in purchasing a copy of this title.
Isaac Asimov wrote the introduction to this collection of dog drawings. You may be appalled to discover what Galileo really threw off the Tower of Pisa.
Now in its fifth printing, the last page depicts the entire universe in its actual size.
Whether you're a Freudian or a Jungian, you'll agree this book is the perfect therapy.
Did Orville Wright want to eat airline food? Do you get T-Mail from your toaster? Ever call in the company optimist?
From the high crime area where kickbacks and price fixing are rampant to the illegal aliens from Mars, the law is lambasted here.
You've heard of Hippocrates. Here you can find the father of the upward spiral of health care costs.
In this outrageous send-up of global warming, Sidney Harris and his cartoonist colleagues comment on today's most inconvenient truths.
Click here for more information and sample cartoons.
If you're overwhelmed by the mess we've made of our environment, stretch out under a tree (remember them?) with this collection.
Aside From the Cockroach, How Was Everything?
The latest S. Harris collection---on a subject of interest to anyone who eats! From a greasy spoon's wellness special to gourmet leftovers, you'll find many surprises on our menu.


If your Rails/Rack application uses a MySQL, PostgreSQL or MongoDB instance that is managed by Cloud 66, then we will (by default) automatically amend your configuration files to ensure that they have the correct username and password (where appropriate) and server address (should your server address change due to instance resizing or fixed IP allocation). We will automatically track these changes and insert the correct details on the next deployment.
This will prevent our system from making any automated changes to the configuration files.
Adding this setting means that you need to ensure that the contents of your database configuration(s) are correct as Cloud 66 will no longer be able to update the file(s).


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Muhammad Ali released from hospital
Published on Thursday, 08 January 2015 20:05
LOUISVILLE, Ky. (AP) — Muhammad Ali is home after being hospitalized with a severe urinary tract infection.
The three-time world heavyweight champion was released from an undisclosed hospital Tuesday night, family spokesman Bob Gunnell said Wednesday. Ali is back home and looking forward to celebrating his 73rd birthday on Jan. 17 with his family and friends, Gunnell said.
"He's in great spirits and enjoying being back home," Gunnell said. "He's back in his daily routine."
Ali has had Parkinson's disease for years.
Ali was hospitalized Dec. 20 with what was initially believed to be a mild case of pneumonia. Doctors later determined Ali had a severe urinary tract infection and not pneumonia, Gunnell said.
The Ali family appreciates the outpouring of support and well wishes, and also thanked his team of doctors and nurses, he said.
Ali and his wife, Lonnie, have homes in Paradise Valley, Arizona; Berrien Springs, Michigan; and in Louisville. Gunnell would not say which home Ali had returned to.
Ali's public appearances have diminished in recent years as he wages his fight against Parkinson's disease, but he appeared in public in September at a ceremony in his hometown of Louisville for the Muhammad Ali Humanitarian Awards. Ali did not speak to the crowd but posed for photos with award winners, including former NFL star Jim Brown.
Brown leaned over and whispered to the seated Ali during the photo session. Later, Brown said he told Ali: "You're the greatest of all time."
Ali retired from boxing in 1981 and devoted himself to social causes. He has traveled the world on humanitarian missions. Ali received the Presidential Medal of Freedom from President George W. Bush in 2005.
The Muhammad Ali Center, in Louisville, is dedicated to Ali's humanitarian causes and showcases his boxing career, reliving his epic fights with Sonny Liston, Joe Frazier and George Foreman.


The Denali Trek Hike Mat is a lightweight self inflating mat that is perfect for your trekking or hiking adventures!
This matt includes a waterproof carry bag, ensuring you'll have a dry night's sleep even if you've been walking around in the rain all day. It's light and easy to carry around while on your trek or hike in the great outdoors.


Only the wings are included in this mod file! The other elements are shown for the sake of context.
This is an adaptation of wolsik's work. His wings were raster images which used Loader scripting. I've traced them to vectors and packaged them as a vanilla import for the sake of runtime compatibility.


Be open minded. People in other cultures eat things we would deem inedible or at least not desirable. But sometimes you may be surprised.
I am currently doing research on Chinese culinary culture. In April my friend and colleague and I made a trip to areas of western China where Sichuan cuisine is dominant. We spent a couple days in the city/municipality of Chongqing. Whenever I go to a new city where there is a distinctive cuisine I spend a fair amount of time researching the unique food of that area, and that city particularly. This research includes reading books, (mostly in Chinese because there is so little available in English), reading blogs, both English language and Chinese, reading online Chinese foodie forums, and talking to people from those areas. I have a Chinese food notebook where I make lists of dishes that I want to try in those cities that I visit. Pig ears was not on my list of things to try in Chongqing.
We arrived in Chongqing by train from Chengdu around midday. We transferred to the excellent subway system and rode out to near our hotel. After checking in we were starving so went in search of a close, convenient meal. We found a promising looking place nearby and sat down. We chatted with the lady who owned the restaurant a bit about what we should order. We told her we wanted traditional Chongqing dishes. It was a surprisingly excellent meal. As we were eating the owner and a couple workers came out to talk to us. I think they were intrigued that I was photographing all the dishes and taking notes in my notebook. Indeed they were curious about these two middle-aged foreigners taking such an interest in their food. In the course of our conversation we asked them what we should eat while in Chongqing, and if there were any specialties that were not on our list (I showed them the list of dishes in my notebook). The became very animated and told us that we had to eat at this restaurant just up the street. They said they had a very special dish that was very famous, "pig ears". We weren't sure we heard them right, and thought maybe that was just the name of the restaurant and not the actual dish served.
The next day we looked for this restaurant and couldn't find it. We asked some people on the street and they immediately knew the place and directed us to the restaurant. We had walked right by it. I guess we were looking for a big, fancy restaurant, not the small, nondescript place that is was.
It was a bit past the lunch hour so most of the workers were out front playing Mahjong. Only two other tables were occupied in the restaurant. Inside there were only four tables, with that many outside as well.
After seeing the name of the restaurant, we presumed that maybe that the shape of the noodles were like a pig ear. There are dozens and dozens of different shapes of noodles in Chinese cuisine. In my research on Northern Chinese food (Lu Cuisine), I read that many chefs there know how to make at least two hundred different shapes of noodles, including "cat's ear," which are noodles shaped like a cat's ear. So, it was not too ridiculous for us to think that maybe this pig ear noodle shop made noodles shaped like a pig's ear, right?
The bowls of noodles were ordered by weight. We weren't too sure on how much to order so we played it conservatively and ordered the lesser amount (I think it was 4 liang). While we were waiting for our bowls of noodles, they brought us a bowl of some kind of appetizer. We asked them what it was, and they all laughed and said, as if we were complete idiots, "the pig ears." And there they were.
Of course, the pig ears. We felt a little foolish. So we dug in . . . and they were not bad at all. In fact, they were pretty good. They were a little crunchy, and a little soft, and the chili oil was a bit spicy and quite flavorful. I've convinced myself that eating strange things is all psychological. If you can get your mind past it, no problem, strange stuff is often pretty tasty. And this was the case with the sliced pig ears. The were marinated in a chili pepper-vinegar and probably some other seasonings. They were a little hesitant to divulge exactly how they made them. The owner explained to us that her pig ears were famous not only in Chongqing, but all over China. She explained that they also had a mail order business and shipped their famous pig ears all over China. She even brought out a very large binder full of shipping receipts to literally every part of China. She was rather proud of this.
After a few minutes our noodles arrived. This was a really good bowl of noodles. They were fresh pulled chewy noodles cooked perfectly, with minced seasoned pork on top with some fresh fresh spinach.
The broth was deep, spicy, rich, and flavorful. Most of the spice was from chili peppers, though there was just a hint of Sichuan pepper. It also contained chopped scallion, garlic, ginger, and oil. It was the kind of broth that you must drink down after you have finished the noodles; that is, if you could after eating the noodles.
After we began eating the noodles, we realized we should have ordered bigger bowls. It was delicious and this was certainly not going to be enough, so we each ordered another bowl. We were good with the one dish (each) of the pig ears though.
The bottom line is that pig ears were not too bad, and the folks in Chongqing make an excellent bowl of noodles.


Screening people at high risk for diabetes can identify those with prediabetes, who can be referred to low-cost, community-based diabetes prevention programs. Screening can also identify those who have diabetes but do not know it, and get them into treatment as early as possible.
Those were the views expressed today by the Diabetes Advocacy Alliance™ (DAA) —a diverse coalition of 18 organizations that has come together to change how the nation approaches the health and economic burdens posed by diabetes—in welcoming the January 2012 issue of the policy journal Health Affairs focused on the topic of diabetes.
"One of the most critical health challenges in 2012 is to fully address the grave danger that diabetes poses to the health of Americans and the health of the US economy—and diabetes screening guidelines that are multiple risk-factor based are an important part of that," said Martha Rinker, Chief Advocacy Officer of the American Association of Diabetes Educators, which is a DAA co-chair organization.
The DAA applauded an article in the current issue of Health Affairs, titled "The U.S. Preventive Services Task Force Should Consider a Broader Evidence Base in Updating Its Diabetes Screening Guidelines." The article calls for the government's preventive services task force to consider a broader range of evidence—as well as a body of new evidence on the benefits of diabetes screening—when the group next updates its recommendations on screening for type 2 diabetes. The authors also recommend that primary prevention of type 2 diabetes be added as an important near-term health outcome when assessing the value of screening.
Currently, the U.S. Preventive Services Task Force (USPSTF), an independent panel of primary care providers who are experts in prevention and evidence-based medicine, calls for screening for type 2 diabetes only in those individuals who have high blood pressure and may be at risk for cardiovascular disease. USPSTF does not call for screening in individuals who have other risk factors, such as being overweight or having a family history of diabetes, which put them at high risk for type 2 diabetes itself.
USPSTF recommendations offer guidance to physicians and other primary care providers on providing appropriate preventive care, and health insurers often consider them in making decisions about whether or not to cover preventive services. Under the provisions of the Affordable Care Act, insurers will be required to offer all preventive services that receive an "A" or "B" designation from USPSTF with no cost-sharing requirements.
The Health Affairs report says that high quality clinical trials and new modeling studies provide evidence for the short- and long-term benefits of screening individuals at high risk for type 2 diabetes. It also recommends that USPSTF take into account studies that show the impact of screening and treatment in populations particularly at high risk for diabetes, including African Americans, Latino Americans, families with a history of diabetes, and others.
The DAA sees screening as the primary tool for identifying individuals who already have diabetes or whose elevated glucose levels place them on the verge of diabetes—a condition known as prediabetes. Once identified via screening, patients with confirmed cases of diabetes can receive care that helps reduce complications of the disease; while those on the verge of diabetes can reduce their risk of developing type 2 diabetes through lifestyle changes that include weight reduction and increases in physical activity. One such lifestyle intervention program is the YMCA's Diabetes Prevention Program, currently offered at YMCAs across the U.S., under the umbrella of the Centers for Disease Control and Prevention's National Diabetes Prevention Program.
The DAA is a diverse group of 18 patient advocacy organizations, professional societies, trade associations, nonprofit organizations, and corporations, sharing a common goal to defeat diabetes. Members of the DAA currently include the Academy of Nutrition and Dietetics (formerly the American Dietetic Association), American Association of Clinical Endocrinologists, American Association of Diabetes Educators, American Clinical Laboratory Association, American Diabetes Association, American Optometric Association, American Podiatric Medical Association, Healthcare Leadership Council, Medicare Diabetes Screening Project, National Association of Chain Drug Stores, National Community Pharmacists Association, National Kidney Foundation, Novo Nordisk Inc., Pediatric Endocrine Society, Results for Life, The Endocrine Society, VSP® Vision Care, and YMCA of the USA.


What is a responsible agent? How will you, as an out of town owner, resolve issues such as noise, garbage and parking for your property in Breckenridge at 2 AM to avoid having your business license revoked?
Buena Vista hosts a number of commercial outfitters who run mild float trips for those with children and elderly/less active persons in their party, up to class IV trips for those feeling more adventurous. The most popular whitewater section in North America, Browns Canyon, offers spectacular views in the midst of the 14,000' collegiate peaks along with class III whitewater, making this trip suitable for beginners to seasoned rafters. Just upstream from Brown's Canyon, The Narrows section can provide rafters with an alternative class III section passing by the town of Buena Vista. Further upstream The Numbers section provides rafters with a more challenging class IV experience for those in good physical condition. Many outfitters around Buena Vista also offer milder class I/II trips through scenic stretches of the river. Visitors to the area may also enjoy stopping by Mount Princeton or Cottonwood hot springs, as well as a number of cafes, restaurants and bars in the vibrant small towns of Buena Vista or nearby Salida. (From Breckenridge, Buena Vista is approximately 45 miles South on HWY 9/HWY 285. Season runs May-September).
Cañon City offers access to the infamous Royal Gorge section of class IV/V whitewater, with stunning scenery as you are enclosed on both sides with 1200' cliffs. Bighorn Sheep Canyon upstream of the Royal Gorge is a class III section of whitewater and plays host to Colorado's largest herd of Bighorn sheep. (From Breckenridge, Cañon City is approximately 100 miles South on HWY 9/HWY 50. Season runs May-September).
Many outfitters on the Arkansas river will offer half-day trips, full-day (including on-river lunch) and overnight/multi-day trips (with meals and camping on-river).
From Lake Dillon, the Blue river flows North through Silverthorne, where a 7-mile stretch of class III whitewater, just beyond the town, allows rafting for a short Season in May-June. There are 3 outfitters in Frisco who run trips on this stretch of river.
Idaho Springs on the i70 corridor between Denver and Frisco hosts several outfitters who offer class II-IV whitewater trips. Indian Hot Springs in Idaho Springs allows travellers to soak after a thrilling day on Clear Creek's rapids. (From Breckenridge, Idaho Springs is approximately 33 miles, going North on HWY 9 then East on i70. Short season generally runs May-June).
Rafters can enjoy beautiful scenery on the class I/II stretch of the Upper Colorado just North of Kremmling. (From Breckenridge, Kremmling is approximately 51 miles North on HWY 9 via Silverthorne. Season runs April-September).
Glenwood Springs offers a couple of outfitters who run class III/IV whitewater on the Colorado river through Glenwood Canyon's Shoshone and South Canyon Rapids. For those travelling through to the more Western end of Colorado they can book trips in this area and visit any of several hot springs in and around the town. (From Breckenridge, Glenwood Springs is approximately 97 miles, going North on HWY 9 then West on i70. Season runs May-September).
Performance Tours Rafting is Breckenridge's 1st Colorado whitewater rafting outfitter with trips on the Arkansas, Blue, Colorado, Clear Creek & more. For details and a special 10% off to guests of Mountain Management of Breckenridge visit Performance Tours website.
Like any free spirited mountain town, Breckenridge has its share of yogis and healers!! Many studios have opened in the past couple of years to respond to demand. Here is just a selection of those.
Drop Ins are always welcome for our regularly scheduled yoga classes. There are also punch passes for discounts. Meta Yoga Studios hosts SUP YOGA classes Thursday - Sunday during the Summer months of June, July, and August.
Bhava Yoga is a boutique yoga studio nestled in the Village near Peak 9. They offer a variety of yoga classes workshops and trainings, led by the best yoga instructors in Summit County. Bhava Yoga is also Colorado's only ski-in, ski-out yoga studio. Bhava also offers Ayurvedic cleanse packages.
Yoga is a dynamic, energizing practice that sculpts, hones and tones every muscle in the body and mind. You don't need to be especially flexible or incredibly fit to do yoga. Align your body, mind, and spirit with the most exciting studio around. Please come in and join our growing yoga family!
Unroll your mat at Peak Yoga and join a diverse community of yogis. Here you'll find a warm and welcoming group of instructors and students. To us "community" means making connections with each other and giving back to the neighborhoods in which we live.
Breckenridge has a wonderful selection of yoga studios, with classes every day, a couple of times a day! You can choose from gentle yoga, yoga for beginners, hot yoga, or try a more vigorous vinyasa class. We've made a handy list of yoga studios here.
Aren't you on vacation? It's time to relax! Breckenridge has a wonderful selection of massage therapists, spas that offer facials, manicures and pedicures. Many of our properties have onsite hot tubs to take a cozy soak, or some of the spas allow guests to use their amenities. We've created a list of spas for you browse through, here. Take it to the next level and indulge in a DIY face mask.
While you are in town, check to see what is playing at the Orchestra or the Playhouse. You can check out live music at a few different venues, as well. During the day, browse our great selection of Art Galleries in Breckenridge, see our list here.
Ah! Rain rain ... don't go away!
Breckenridge Gallery is a fine art gallery located on historic Main Street in beautiful downtown Breckenridge, Colorado. We're the longest-running fine art gallery in Summit County, carrying a variety of diverse paintings and sculpture in a variety of media since 1969.
Now in it's 4th year, Blue River Fine Art Gallery is the brainchild of renowned local landscape artist Jerry Georgeff.
Sophisticated, family-owned gallery offering a collection of fine art from local & national artists.
A co-operative gallery in Breckenridge managed by the Summit Arts Council. Arts Alive Gallery, which features the diverse work of local artists. In addition to the rotating collection, Arts Alive has several seasonal shows throughout the year. We participate in the Second Saturday Breckenridge Art Walks and have monthly receptions to recognize the featured artists.
The photographic work of Gary Soles, who has made his home in Summit County for the past twenty years. Explore the rapture of the mountains, rushing rivers and tranquil meadows which covers the landscape of the area, captured by Gary Soles.
Andrea Kreeger is best known locally for her work in ceramics. Her work includes both functional and sculptural artwork in porcelain clay, and kiln formed glass. She has created an open studio and has been sharing her space and expertise with her community teaching for many years in Summit County Colorado.
If you're the type that can eat Breakfast for three meals a day, you'll want to get to know this list of Breakfast and Brunch spots here in Breckenridge.
Breckenridge has lots to offer for our visiting coffee lovers.
A transportation guide on getting to and from the Denver airport to Breckenridge, and also the best ways to get around town once you're here.
Local Breckenridge hikes ranging from easy to hard - offering all kinds of adventure for your group.
Looking for natural hot springs to take your friends, parents, or your fur babies? Here's a list of hot springs all worth the day trip from Breckenridge - ranging from family friendly to completely natural and off the grid.


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1-888-330-0010|fir[email protected]
Simon Malinowski, Attorney
Simon was appointed managing attorney of our New York office in 2021, but he's been contributing to our clients' success since he worked for Harris Bricken as a summer associate in 2010 and 2011.
A seasoned real estate attorney, Simon advises developers, investors, contractors, and design professionals across all stages of the property development process, including: condominiums; multi-family rental properties; retail developments; mixed-use developments; and special projects. He also provides comprehensive legal services covering all aspects of commercial property ownership, from leases to refinancing to renovating.
Simon is especially valued by our clients for his incisive writing and shrewd negotiating skills, as well as for his extensive experience handling construction access agreements through proactive negotiation and RPAPL §881 petitions.
Simon is fluent in both Russian and Chinese, and a number of his international real estate clients come from Russian- and Chinese-speaking countries. With support from our foreign direct investment team, Simon helps our foreign clients successfully navigate the foreign investment issues that go with developing real estate in a foreign country.
Before starting as a real estate lawyer in New York City, Simon played a key role in the formation of our firm's cannabis practice by drafting the documents that in the early days of legalization quickly became the seminal legal framework for operating a cannabis dispensary. He also was instrumental in advocating for our cannabis clients before various local governments. Simon's experience navigating newly enacted cannabis legislation, combined with his finance and real estate expertise, provides our clients with significant advantages in New York's developing cannabis market.
In each of the past five years, Simon has been named a New York State "Rising Star" by Super Lawyers, a peer-nominated process that identifies the top 2.5% of lawyers under 40 in each jurisdiction.
More About Simon
New York Retail Dispensary Guidelines: What Every CAURD Applicant Needs to Know, Harris Bricken webinar, December 7, 2022.
"Ask Me Anything" Session with Harris Bricken Law + CBD & THC Licensing and Compliance Explained, Luxury Meets Cannabis Conference, May 5, 2022.
New York's Marijuana Regulation and Taxation Act, Queens Borough President webinar, January 25, 2022.
MRTA She Wrote: Understanding NY's Cannabis Laws to Take Your Business to Prime Time, CWCBExpo, New York City, New York, November 5, 2021.
Building a Cannabis Business in New York: An Operator's Perspective, Harris Bricken webinar, September 23, 2021.
Retail and Multi-Family Real Estate Development for Overseas Investors, Harris Bricken webinar, August 25, 2021.
Cannabis in New York: The Marijuana Regulation and Taxation Act's Impact on New York City, Harris Bricken webinar, August 17th, 2021.
Urban Real Estate Development for Overseas Investors, Harris Bricken webinar, July 28th, 2021.
U.S. Real Estate for Overseas Investors, Harris Bricken webinar, June 30, 2021.
Cannabis in New York: Intro to the Marijuana Regulation and Taxation Act, Harris Bricken webinar, May 4, 2021.
Guidance On How To Open A Cannabis Dispensary In New York, That Is, When The Time Comes, Benzinga, October 31, 2022.
Great Expectations, Cannabis Business Times, May 12, 2022.
Queens BP hosts talk on cannabis legalization, Queens Daily Eagle, January 27, 2022.
NY Senate Confirms Two Key Cannabis Officials, Law360, September 2, 2021.
New York Gov. Kathy Hochul Calls Special Session to Make 'Long Overdue' Decisions For Cannabis Program, Cannabis Dispensary Magazine, September 1, 2021.
Justice Clarence Thomas' Statement on Cannabis Is Political, Lawyer Says, Cheddar, July 2, 2021.
New York's Cannabis Plan Doesn't Add Up, Cannabis Culture, June 21, 2021.
Opportunities for restaurants, minority-owned biz in NY marijuana law, attorney says, Albany Business Review, April 27, 2021.
N.Y. Legalization Offers Head Start for Existing Operators, But Newcomers Won't Be Put Out, Cheddar, April 9, 2021.
Regular contributor to the award-winning Canna Law Blog.
New York Cannabis Regulation: Overview, Thomson Reuters Practical Law, December 13, 2021.
Sports Star Arrested For Ridiculous Amount Of Weed — And Other Reasons We Need To Legalize Marijuana, The Fresh Toast, July 6, 2021.
How New York Cannabis Legalization Priorities Equity, LA Weekly, April 8, 2021.
New York State Bar Member of the Committee on Cannabis Law
New York Super Lawyers "Rising Stars" (2016-2020)
University of Toronto, Honors (B.A.)
Indiana University Maurer School of Law, Cum Laude (J.D.)
Russian (Native)
Bar & Court Admissions
Get in touch with Simon


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