1.1 CD is authorised by the Financial Transactions and Reports Centre of Canada ('FINTRAC' – MSB Registration Number M08690900) to operate a money services business in Canada.
1.2 The Client wishes to enter into a contract or contracts with CD for the purchase and redemption of electronic money, the purchase, sale and delivery of currency (including foreign currency) and for money remittance. The Client agrees with CD that all transactions shall be carried out on the terms and conditions set out herein (the 'Terms'). The Terms shall come into force as soon as the Client signs the Account Opening Form or accepts the Terms online, and shall continue until terminated in accordance with the Terms.
1.3 It is important that the Client reads and understands these Terms, which will apply to all dealings between the Client and CD. If there are any terms that the Client does not understand or does not wish to agree to, the Client should discuss it with CD before signing the Account Opening Form or accepting the Terms online. The Client should only sign the Account Opening Form or accept the Terms online if the Client agrees to be bound by these Terms.
1.4 Please note that foreign currency exchange rates are subject to fluctuations outside the control of CD. Historical prices are not a reliable indicator of future prices.
1.5 A reference to the Terms shall include the addendum to the Terms.
(b) Foreign Exchange Services: CD may enter into transactions for the sale, purchase and delivery of currency with the Client ('FX Contracts') in accordance with an instruction by the Client (such instruction being an 'FX Order'). FX Contracts include spot contracts, limit orders and stop orders (as detailed on the CD website).
(c) Payment Services: Following the execution of an FX Contract or if the Client holds Electronic Money and subject to these Terms, CD may transfer the converted currency or the funds corresponding to Electronic Money after redemption of the Electronic Money to the Client's bank account or the bank account of a third party (the 'Payee') in accordance with an instruction by the Client (such instruction being a 'Payment Instruction' and the onward transfer being an 'Onward Payment').
2.2 CD will always contract as principal with the Client and deal with the Client on an execution only basis.
2.3 FX Contracts are for settlement or delivery. That means at maturity of the FX Contract the Client must either: (a) take or give instructions for delivery of all of currency purchased; or (b) give instructions for all of the currency purchased to be sent to CD in exchange for Electronic Money.
(b) it is acting on its own account and not on behalf of any other person.
2.5 CD may provide information about foreign exchange markets and related matters from time to time, however, the Client acknowledges that CD is not and will not provide advice to the Client upon the merits of a proposed Electronic Money Contract, FX Contract or Payment Service, and will not provide any taxation, financial, investment or other advice of any sort to the Client. In entering into an FX Contract and/or issuing a Payment Instruction the Client must not treat any information or comments by CD as advice and the Client must rely only on its own judgement (or the judgement of the Client's third party adviser). CD is not the Client's adviser in any respect.
(f) automatically, by setting a Rule (as defined in the addendum) on an Electronic Money Account as set out in the addendum.
3.2 The Client may authorise another named person (an 'Authorised Person') to give Electronic Money Orders and / or FX Orders and/or Payment Instructions to CD on behalf of the Client by providing written instructions to CD in accordance with Clause 3.1.
3.3 CD is entitled (but not obliged) to act upon instructions which are or reasonably appear to be from the Client or any Authorised Person.
3.4 CD may contact the Client or their Authorised Person by telephone, fax, email or mail at the contact details provided by the Client in the Account Opening Form or, where made available to the Client, by the Online System. It shall be the Client's responsibility to inform CD of any changes to the Client's or Authorised Person's contact details.
4.1 The Client or its Authorised Person may from time to time provide an Electronic Money Order to CD in accordance with Clause 3. Following receipt of an FX Order, CD shall, if it is willing to accept the Electronic Money Order, agree with the Client the terms on which it is willing to enter into the Electronic Money Contract.
(b) the Client redeeming Electronic Money contained in an Electronic Money Account ("Withdrawal") and send the corresponding funds to the Client's Bank Account.
5.1 If CD accepts the Electronic Order for an Upload, the Client shall pay CD the full amount by electronic transmission (or by such other means as agreed with CD in any particular case) in cleared funds into a bank account nominated by CD for this purpose ('Segregated Bank Account') and CD shall issue Electronic Money to the Client to be held in the appropriate Electronic Money Account. CD does not accept payments in physical cash (coins and banknotes) from any Client.
5.2 The Client and CD (on the Client's behalf) are able to redeem this Electronic Money and use the corresponding funds when the Client enters into FX Contracts and/or Onward Payments.
6.1 When the Client has been issued Electronic Money by CD, it will be held in a virtual account (an 'Electronic Money Account') of the same currency as the funds which were sent to CD. The Client can hold Electronic Money Accounts in different currencies. The currencies of Electronic Money Accounts available will vary from time to time. The Client should contact CD if it would like an up to date list of the currencies which it can hold Electronic Money in.
7.1 The Client can enter into a Withdrawal, when it holds Electronic Money, by issuing a Payment Instruction to CD in accordance with Clause 19 and selecting its own Bank Account as the Payee Bank Account.
8.1 Where the Client pays money to CD in advance of entering into an FX Contract or an Onward Payment, such money will be held by CD in a Segregated Bank Account in exchange for the issuance of Electronic Money into the Client's appropriate Electronic Money Account.
(c) any other fees, costs, taxation liabilities, or charges incurred by CD in relation to the Client or for the payment of interest in accordance with Clause 25.
8.3 Following fulfilment of all outstanding FX Contracts between CD and the Client under these Terms, any excess amount held by CD for the Client in respect of the Client's FX Contracts shall be, after first being applied by payment to CD in satisfaction of all claims of CD against the Client arising under these Terms or under any FX Contract, sent to a Segregated Bank Account in exchange for the issuance of Electronic Money into an Electronic Money Account belonging to the Client.
9.1 When CD holds Electronic Money on the Client's behalf, CD holding the funds corresponding to the Electronic Money is not the same as a Bank holding money in that: (a) CD cannot and will not use the funds to invest or lend to other persons or entities; (b) the Electronic Money will not accrue interest; and (c) the Electronic Money is not insured by Canada Deposit Insurance Corporation.
9.2 CD may hold the Client's Electronic Money indefinitely. However, if we hold Electronic Money for a Client for more than two years, CD shall use reasonable endeavours to contact the Client to redeem the Electronic Money and return the corresponding funds to the Client. If CD is unable to contact the Client, it may redeem the Electronic Money and send the corresponding funds, less any of its costs incurred, to the last known bank account CD has on file for the Client.
10.1 The Client or its Authorised Person may from time to time provide an FX Order to CD in accordance with Clause 3.
10.2 Following receipt of an FX Order, CD may, if it is willing to accept the FX Order, agree with the Client the terms on which it is willing to enter into the FX Contract.
(e) in the case of an FX Contract where payment for currency is to be made in a currency other than Canadian Dollars ('CAD'), the currency in which payments by the Client are to be made.
10.4 Upon receipt by the Client of the Deal Confirmation, the Client should check the Deal Confirmation for any omissions and/or errors. In the event of any omission and/or error, the Client must provide immediate notice in writing to CD in accordance with Clause 3 setting out full details of the omission and/or error. Subject to Clause 10.5, notwithstanding any omission and/or error in the Deal Confirmation, the FX Contract relating to the FX Order detailed in the Deal Confirmation will be binding on the Client and CD, and CD's and the Client's rights under these Terms in respect of the FX Contract shall apply with full effect.
10.5 CD will not be bound by any FX Contract where it is reasonably determined by CD that there is a Manifest Error in the purchase or sale price quoted in the Deal Confirmation. In these Terms, a "Manifest Error" refers to a manifest or obvious misquote of the purchase or sale price quoted to the Client, including a misquote based on a published price source on which CD has relied in connection with the FX Contract, having regard to the market conditions at the time the FX Order was received.
10.6 Once CD has transmitted a Deal Confirmation confirming an FX Order in writing, the Client may only amend or cancel the Deal Confirmation if CD expressly agrees (and any such amendment or cancellation shall be on the conditions specified by CD) or otherwise in accordance with the provisions of Clause 10.9.
10.7 CD may at its absolute discretion refuse any FX Order or instructions given by the Client without giving any reason or being liable for any loss the Client suffers as a result of such refusal.
(c) the instruction is to close the Client's account or to remit the Client's funds to a third party.
(a) Each party will remain liable to perform accrued but unperformed obligations which have fallen due before termination, but all other rights will cease upon such termination.
(b) The Client will be liable for all of the costs, expenses and losses (and interest at the rate referred to in Clause 25 on any such sums) that CD may incur (including any action it may take or have taken to cover or reduce its exposure) as a result of CD entering into such FX Contract with the Client (including, without limitation, all costs of unwinding any hedging arrangements which are referable to such FX Contract). Any excess amount held by CD in respect of an FX Contract shall be returned to the Client after deducting all other sums due to CD.
(a) CD may agree to enter into a contract with the Client (a "Limit Order Contract") in consideration for the promise by the Client to abide by its obligation under the corresponding FX Contract if entered into, whereby an FX Order is deemed to have been sent from the Client to CD without further notice being provided to the Client, upon CD being able to provide the Client with an exchange rate which is the same as the exchange rate which the Client requested upon entering into the Limit Order Contract (the "Limit Order Threshold Exchange Rate"). Limit Order Contracts can either be entered into for a specified period of time (referred to as the "Validity Period") or indefinitely.
(b) The Limit Order Contract may be entered into either by email, telephone (using the details set out in Clause 3(b)) or by using the Online System, between the hours of 9am and 5pm on a 'Business Day' (being a day, other than a Saturday or Sunday, on which banks are open for business in and any other geographic locations required to complete the transaction). Should the Client place an order to enter into a Limit Order Contract outside these hours, the order will only be considered on the next Business Day. CD will send a confirmation of the details of the Limit Order Contract immediately after the Limit Order Contract has been agreed. If the Client notices any error or discrepancy, it must inform CD as soon as reasonably possible.
(iv) the Validity Period, if any.
(ii) the terms of the associated FX Order and FX Contract shall be those agreed in the Limit Order Contract and CD and the Client shall be bound by the terms of such associated FX Contract.
(iii) for an indefinite period, then the Limit Order Contract will only become null and void upon termination in accordance with Clause 10.10(f).
(f) The Client may terminate a Limit Order Contract either by phone during business hours or by sending a notice in writing to CD. If the written notice is sent to CD on a day which is not a Business Day or outside the hours of 9 am and 5 pm on a Business Day, then the notice of termination will not be deemed to have been received by CD until the following Business Day.
(g) For the avoidance of doubt, the termination of a Limit Order Contract will not be effective if the associated FX Order has already been deemed to have been sent to CD and the FX Contract entered into. If the Client wishes to cancel the FX Contract, the terms of Clause 10.9 shall apply.
11.1 Where CD and the Client enter into an FX Contract, the Client must make sure that it holds enough Electronic Money, in the currency specified in the Deal Confirmation, on or before the Maturity Date.
11.2 Failure by the Client to hold the correct amount and currency of Electronic Money on the date(s) specified in the Deal Confirmation shall relieve CD of any obligation to redeem the Electronic Money to make a corresponding payment under the relevant FX Contract.
12.1 After CD and the Client have entered into an FX Contract and subject to Clause 12.2, CD shall redeem the Electronic Money and use the corresponding funds for payment of monies owing to CD under the FX Contract including, without limitation, any Security Payment.
12.2 The Client accepts that, prior to undertaking an FX Contract, CD will deduct from the corresponding funds set out in Clause 12.1 those costs and charges which CD is entitled to pursuant to these Terms including any advance or instalment payments, transfer charges, deal profit and interest.
12.3 The Client is solely responsible for ensuring that, following the deductions referred to in Clause 12.2 and the application of the exchange rate agreed in the Deal Confirmation, the amount of any Onward Payment will be sufficient to fulfil any obligations that Client has to the relevant Payee.
CD's charges in relation to Foreign Exchange Services will be as set out in the Deal Confirmation. The Client understands that because CD deals as principal the exchange rate it offers the Client will not be the same as the rate CD obtains itself.
14.1 The Client may use the money purchased in an FX Contract (Purchase Monies) to enter into an Onward Payment. If the Client wishes to do so, then it must notify CD not less than 2 Business Days before the Maturity Date of the FX Contract of the details of the beneficiaries of Onward Payment.
14.2 As an alternative to Clause 15.1 or if details of the beneficiary are not provided on time, then the Purchase Monies will be sent to the Segregated Bank Account in exchange for the issuance to the Client of Electronic Money into the Client's appropriate Electronic Money Account, provided CD is able to provide an Electronic Money Account in the same currency as the Purchase Monies.
14.3 If details of the beneficiary are not provided on time and CD is unable to provide an Electronic Money Account in the same currency as the Purchase Monies, then CD reserves the right to use the Purchase Monies to purchase money in a currency which CD can provide an Electronic Money Account and send the exchanged money to one of CD's Segregated Bank Accounts in exchange for the issuance of Electronic Money into the Client's appropriate Electronic Money Account.
15.1 CD may agree in writing to purchase and exchange into CAD or another currency a non-CAD cheque or a non-CAD bank draft (a 'Draft') which the Client has received in the name of the Client and this Clause 16 applies to all such purchases and exchanges.
15.2 The Client must forward a request for each foreign currency cheque or Draft purchase together with the relevant cheques and/or drafts to CD.
15.3 All cheques and Drafts presented to CD by the Client may be examined by CD for validity and negotiability (transferability) and any item CD considers may not be valid or negotiable will be returned to the Client as soon as reasonably practicable at the Client's risk.
15.4 All cheques and Drafts must be endorsed by the Client as "payable to Currencies Direct (Canada) Inc." or "Devises Directes (Canada) Inc." and be signed by the Client or an Authorised Person.
15.5 CD agrees to pay the Client in CAD or another agreed currency the value of the cheque or Draft in accordance with CD's value dating policy and subject to the charges notified to the Client by CD from time to time.
15.6 Any cheque or Draft returned to CD as not able to be negotiated or cleared following presentation by CD will be returned to the Client, at which time the Client agrees to immediately reimburse CD any monies paid to the Client, or on the instruction of the Client, together with any charges imposed by the returning institution.
15.7 Any item lost, stolen, or destroyed in transit during the clearing process will be reported to the Client within a reasonable period of CD receiving notification of this. CD will supply the Client with a letter confirming that CD has not received value for the item from any bank involved in the clearing and/or paying of the item.
(a) The Client fails to hold the correct amount of Electronic Money in the correct currency at the stipulated time or otherwise is unable to make any payment when due under these Terms or any FX Contract.
(ii) suspends payment of its debts, makes or takes steps with a view to making any assignment, composition or similar arrangement with or for the benefit of their creditors, has a receiver appointed in respect of some or all assets, takes or has any proceedings taken against them in bankruptcy, or has anything similar to any of the events described in this Clause 17.1(c) happen to the Client anywhere in the world.
(viii) suffers anything similar to the events described in this Clause 17.1(d) anywhere in the world.
(d) The Client fails in any respect to fully and promptly comply with any obligations to CD under these Terms.
(e) If any of the representations made or information supplied by the Client are or become materially inaccurate or materially changed.
(f) If it becomes or may become unlawful for CD to maintain or give effect to all or any of the obligations under these Terms or otherwise to carry on its business.
(g) If CD or the Client is requested not to perform or to close out an FX Contract (or any part thereof) by any governmental or regulatory authority whether or not that request is legally binding.
(i) CD considers it necessary to do so for its own protection including (without limitation) in the following circumstances: (i) protection from fraud or money laundering; (ii) protection from Client default; (iii) protection from market failure; (iv) protection from adverse or volatile market conditions; and (v) protection from loss by CD.
16.2 If the Client becomes aware of the occurrence or likely occurrence of any event referred to in Clauses 17.1(a) to 17.1(h) above, it shall notify CD immediately.
16.3 If any event referred to in Clause 17.1 above takes place CD shall at its discretion be entitled to cancel any FX Contract then outstanding and charge the Client with all of the costs, expenses and losses (and interest at the rate referred to in Clause 25 on any such sums) that CD may incur (including any action it may take to cover or reduce its exposure) as a result of CD cancelling FX Contracts with the Client (including, without limitation, the costs of unwinding any hedging arrangements which are referable to the FX Contracts. Any excess amount held by CD in respect of the FX Contracts shall be returned to the Client after deducting all other sums due to CD.
16.4 If for any reason an FX Contract is closed out or does not proceed to completion, CD will send to the Client any sum due to the Client or a notice setting out the sum due from the Client (as appropriate). The Client shall bear all the losses/ expenses of CD whatsoever that may arise on account of such close out or cancellation, and CD shall have the right to use any monies of the Client held by it to offset such amounts as are owed by the Client to CD. For such purpose, CD shall be entitled to convert any currency held by it and such conversion shall be at the rate of exchange available to it. Any fee or charge which CD incurs as a result of such conversion shall be paid for by the Client.
16.5 If the Client's cheque, or any other method of payment, is dishonoured, returned, not met on first presentation or stopped for whatever reason, CD shall levy an administrative charge. This administrative charge will become payable by the Client in addition to any other sums due under these Terms.
17.1 The Client represents and agrees that it shall not do anything to put CD in breach of any of the laws, regulations, rules or other instruments administered by FINTRAC (the 'FINTRAC Laws'), and undertakes to notify CD immediately upon becoming aware of anything that would be CD in breach of the FINTRAC Laws.
17.2 Upon CD's request, the Client will provide all information and assistance that CD requires in order for it to comply with the FINTRAC Laws.
(b) the money the Client is transferring or exchanging will be used for Illegal Activity.
17.4 The Client acknowledges that CD will be disclosing its Personal information (as defined below), and other information to FINTRAC in connection with the FINTRAC Laws.
17.5 The Client acknowledges that in certain circumstances set out in the FINTRAC Laws CD will be required to freeze or block the Client's account, where it is or is suspected of use in Illegal Activities. If this occurs, all of the terms of Clause 17 applicable to CD's refusal to perform contracts will be applicable.
(e) for an amount greater than the maximum stated in Clauses 18.2 and 18.4.
18.2 Without prejudice to Clause 18.1 above, CD shall not be responsible in any way for any delay in payment by it under these Terms relating to the Foreign Exchange Services which is caused by the Client or any other third party, including but not limited to bank delay, postal delay, payment network delay, the failure or delay of any fax or electronic transmission, or delay caused by accident, emergency or act of god. For the avoidance of doubt the Client accepts that the Client is solely responsible for ensuring that all payments which the Client is required to make under any FX Contract are made promptly and within the time limits specified by the particular FX Contract and these Terms.
18.3 The maximum liability of CD under a particular FX Contract, whether arising in contract, tort or otherwise, shall in no circumstances exceed an amount equal to the value (expressed in sterling) of the currency sold by CD under that FX Contract as at the due date of settlement of that FX Contract.
18.4 The maximum aggregate liability of CD to a Client in respect of Foreign Exchange Services provided under these Terms, whether arising in contract, tort or otherwise, shall in no circumstances exceed an amount equal to the aggregate value of currency sold by CD to the Client under FX Contracts issued in accordance with these Terms expressed in Sterling as at the due date of settlement of each FX Contract less any amounts previously settled.
(c) CD or the Client exercising its rights under these Terms to close out all or any part of any FX Contract before its applicable Maturity Date.
18.6 Any certificate given by CD under Clause 18.5 shall, unless it is manifestly inaccurate, be conclusive evidence of any amounts payable under that provision. The provision in this Clause 18 shall survive termination of any FX Contract or other agreement under these Terms relating to the Foreign Exchange Services.
19.1 The Client or its Authorised Person may from time to time provide a Payment Instruction to CD in accordance with Clause 3. Such Payment Instruction must confirm the details of the proposed Payee including its full name, account details for payment and any unique identifier confirmed to the Client by the Payee.
(c) stop the use of any foreign currency or CAD Draft, personal security features and information or other payment procedure or instrument in accordance with Clause 20.2.
(b) if the Client has agreed with CD that the Onward Payment is to be made on a specific day or on the last day of a certain period and the revocation is received by CD prior to the Cut-Off Time on the Business Day preceding the specified day for the making of the Onward Payment.
Any revocation of a Payment Instruction in accordance with this Clause 19.5 must be received in writing to CD by email in accordance with Clause 3, such email to include an image of the relevant Payment Instruction.
(b) CD may charge interest at the rate referred to in Clause 25.1 on any sums due to CD pursuant to this Clause 19.6.
(iv) a breakdown of charges and/or interest payable by the Client.
(c) a currency other than Euro or Sterling and the account of the Payee's payment service provider is located outside the EEA, CD shall endeavour to ensure that it actions the Onward Payment as soon as is reasonably practicable.
(c) notifies CD in accordance with Clause 3 without undue delay on becoming aware of the loss, theft, misappropriation or unauthorised use of any personalised security features (as defined in (a) above) or any Onward Payment or unauthorised use of the Payment Service.
(ii) always ensuring that login details are not stored by the browser or cached or otherwise recorded by the computer (or other device used to gain access to the Online Resources).
(c) where the Onward Payment is being made in connection with a credit line, if CD believes that there is a significantly increased risk that the Client may be unable to fulfil its liability to pay.
Unless doing so would compromise reasonable security measures or be unlawful, before stopping or suspending any Onward Payment (in whole or in part) or the Client's use of the Payment Service (as appropriate) or immediately after doing so, CD must inform the Client and give its reasons for doing so. As soon as practicable after the reason for stopping or suspending any Onward Payment (in whole or in part) or the Client's use of the Payment Service (as appropriate) has ceased to exist, CD must allow the outstanding element of the Onward Payment or the resumption of the Client's use of the Payment Service (as appropriate).
20.3 If the Client believes that a Payment Instruction has been given or that an Onward Payment was made in error and/or was unauthorised by it, the Client must notify CD as soon as possible via the helpline or e-mail address listed in Clause 3. Failure by the Client to notify CD immediately upon becoming aware of such a circumstance, which in any event must be within 6 months of the date of any Onward Payment, could result in the Client losing its entitlement to have the matter corrected.
21.1 Where it is established that a Payment Instruction has been given or that an Onward Payment was made in error and/or was unauthorised by the Client (and CD ought reasonably to have known that it was unauthorised) and that Client has notified CD in a timely manner within 13 of the monies being debited from its accounts, unless Clause 21.2 applies, CD shall refund to the Client the full amount debited erroneously or without authorisation.
(b) where Clause 21.2(a) does not apply, up to 100 Canadian Dollars of any monies paid by CD pursuant to any particular Payment Instruction and/or Onward Payment before it told CD that an Onward Payment had been lost, stolen, or misappropriated or the Client's security regarding the Payment Service had been breached. After the Client has notified CD, the Client will not have any further liability to CD for any subsequent unauthorised payments unless the Client has acted fraudulently.
21.3 CD shall not be liable for non-execution or defective execution in relation to an Onward Payment which it has made in accordance with a unique identifier given to it by the Client which proves to be incorrect. However, CD shall make reasonable efforts to recover funds involved in that transaction and may charge the Client for doing so, including passing on to the Client charges made by intermediary banks and/or the payee's bank for their assistance which assist in the tracing process.
(b) CD can prove to the Client (and where relevant, to the Payee's payment services provider) that the Payee's payment services provider received the Onward Payment within the appropriate time period described in Clause 19.9. CD shall, on request, make immediate efforts to trace the payment and notify the Client of the outcome.
(b) any charges and interest which the Client has paid as a consequence of the non-execution or defective execution of that Onward Payment.
(c) contravention by CD of the laws or regulations of Canada or any of its provinces or territories, where that contravention is due to CD complying with its obligations under the laws or regulations of any other jurisdiction.
21.7 In no event shall CD be liable to the Client in excess of the amount of money that the Client has actually paid to CD with respect to any service provided by CD to the Client, including for any wilful or negligent act on CD's part.
21.8 The provisions in this Clause 21 shall survive termination of these Terms or any agreement under these Terms.
22.1 The provisions of this Clause 22 shall supplement the provisions of Clauses 20 and 21 as regards lost Drafts.
22.2 CD shall be under no obligation to issue a replacement Draft or a refund where it is established by CD that the original Draft has been cashed or was issued and sent as instructed.
22.3 CD agrees to issue the Client with a replacement Draft or issue a refund at an appropriate rate where the Client has placed a stop on the original Draft provided that the Client indemnifies CD against any loss resulting from the original Draft being cashed fraudulently and provides CD with such security in the amount of the original Draft, plus costs, on such assets and upon such terms as CD is satisfied with, in its sole discretion. Further, in the event that the original Draft comes into possession of either the Client or the payee, the Client undertakes to take all reasonable steps to ensure that no attempt is made to cash the original Draft and that it is returned to CD at the earliest opportunity and, pending its receipt by CD, is held in trust for CD.
22.4 Where a replacement Draft or refund is issued and the original Draft is subsequently cashed by the beneficiary of the Draft and CD is unable to obtain reimbursement from the paying bank CD shall be entitled to stop any replacement issued, or seek immediate reimbursement from the Client and immediately enforce the security given to it by the Client.
23.1 CD will send the full amount of the Onward Payment to the Payee in accordance with the Payment Instruction. However CD cannot guarantee the Payee's payment service provider will not deduct a charge for receiving any Onward Payment. It is the responsibility of the Client to confirm with the Payee's payment service provider the details of any charges.
(b) any information to which the Client is entitled under the PS Regulations.
23.3 The Client may terminate these Terms in relation to Payment Services at any time by giving notice to CD in accordance with Clause 3. Any such termination shall be subject to Clause 26.4.
24.1 Where CD receives funds for the purpose of issuing Electronic Money, the funds corresponding to Electronic Money will be held in one or more Segregated Bank Accounts, which are bank accounts separate from the bank accounts upon which CD's own funds are held.
to pay any monies owing to CD under any FX Contract, including any Security Payment, in accordance with Clause 12.1, CD will hold those monies in an account specifically for this purpose (Transaction Account), which is not a Segregated Bank Account or CD's bank account where it holds its own funds, until the FX Contract is executed.
25.1 If the Client fails to make any payment required under these Terms (including under any FX Contract or Payment Instruction) when it falls due, interest will be charged on the outstanding sum at a rate of three per cent per annum over the overnight lending rate set by the Bank of Canada (or of such monetary authority as may replace it) from time to time. Such interest shall accrue and be calculated daily from the date payment was due until the date the Client pays in full and shall be compounded monthly.
25.2 CD may receive and retain or apply for its own benefit any interest which arises in respect of any sum held by CD in its Segregated Bank Accounts and Transaction Accounts.
26.1 CD may amend these Terms insofar as they relate to Foreign Exchange Services by notice in writing or in accordance with Clause 3.4 to the Client at any time and such amendments shall take effect from the date specified by CD but may not affect any rights or obligations that have already arisen and will not be retrospective.
26.2 Subject to Clause 26.3, CD may amend these Terms insofar as they relate to Payment Services by giving at least 2 months' notice in writing to the Client. If the Client objects to the proposed amendments, it has the right, subject to Clause 26.4, to terminate these Terms as regards Payment Services without charge before the date proposed by CD for the entry into force of the changes. The Client will be deemed to accept the proposed amendments unless it notifies CD and terminates these Terms insofar as they relate to Payment Services before the date proposed by CD for the entry into force of the changes. If no objection is received from the Client, such amendments shall take effect from the date specified by CD but may not affect any rights or obligations that have already arisen and will not be retrospective.
(b) a change to the standard interest rate applying pursuant to Clause 25.1, which in each case may be applied immediately.
26.4 For the avoidance of doubt, the termination of these Terms by the Client pursuant to Clause 23.3 or Clause 26.2 shall not affect any FX Contract nor any rights or obligations that have already arisen at the date of the termination. Following any such termination, any onward transfer of converted currency to a Payee shall be subject to such terms as CD and the Client shall agree.
27.1 If a Client is dissatisfied with any aspect of the services provided by CD, the Client may inform CD. All complaints should in the first instance be made in writing to CD in accordance with Clause 3 marked for the attention of the CEO. CD will endeavour to review each complaint carefully and promptly.
27.2 If a dispute arises between CD and the Client relating to the existence or terms of any FX Contract (a 'Disputed FX Contract'), CD may close out or take any other action it reasonably considers appropriate in relation to the Disputed FX Contract (which may include suspension of performance of the Disputed FX Contract) pending settlement of the dispute without previously notifying and/or without having received instruction from the Client. CD will try to notify the Client (orally or in writing) what action it has taken, as soon afterwards as it practically can, but if it does not, the validity of its action shall not be affected.
(i) no Onward Payment has been or will be initiated by the Payee (save where the Client is the Payee).
(b) written confirmation of any changes to the Client's telephone and facsimile number(s) and email and postal address(es).
28.3 For the avoidance of doubt, the Client will notify CD immediately if it becomes aware of the occurrence, or likely occurrence, of any of the events specified at Clause 17.1 above.
28.4 The Client undertakes to CD that it shall promptly perform in timely fashion its obligations under these Terms, each Electronic Money Contract, each FX Contract and each Payment Instruction.
(b) the use of such recordings as evidence by either party in any dispute or anticipated dispute between the parties or relating to dealings between the parties.
29.2 If CD makes any recordings or transcripts it may also destroy them in accordance with its normal procedures.
30.1 These Terms, the Account Opening and the Online User Guide (defined in Clause 32) set out the entire agreement and understanding of the parties on their subject matter and supersede all previous oral and written communications on the same subject matter. In the event of any inconsistency, discrepancy or ambiguity between these Terms, the Account Opening Form and the Online User Guide, the provisions of these Terms (subject to Clause 32), then these Terms shall prevail.
30.2 If at any time any provision of these Terms or any Contract is or becomes illegal, invalid or unenforceable under the laws of any jurisdiction, neither the legality, validity or enforceability of such provision under the laws of any other jurisdiction nor the legality validity or enforceability of any other provision of these Terms or any Contract shall in any way be affected as a result.
30.3 Where the Client comprises two or more people as named in the Account Opening Form each person named in the Account Opening Form will be jointly and severally liable to CD in respect of all obligations contained in these Terms. Any reference to the "Client" in these Terms means all persons named in the Account Opening Form jointly and severally.
30.4 The Client must make all payments under these Terms in full without any deduction, set-off, counterclaim or withholding of any kind.
30.5 If a party fails to exercise or delays in exercising any right under these Terms, by doing so it does not waive such right. The rights provided in these Terms do not exclude other rights provided by law.
30.6 The Client acknowledges and agrees that CD is permitted to carry out an electronic database search and search credit reference agencies in order to verify the Client's, or any shareholder or officer of the Client's, identity and credit standing. If such searches are carried out, CD may keep records of the contents and results of such searches in accordance with all current and applicable laws.
31.1 The Client authorises CD to collect, use, store or otherwise process any personal information provided by the Client or from the searches referred to at Clause 30.6 above ('Personal Information') to enable CD and/or members of CD's group and/or the organisation which introduced or referred the Client to CD to provide and/or improve its services and to assess the Client's credit worthiness. This may mean holding and processing your Personal Information outside of Canada, and/or disclosing it to individuals or organisations other than CD's affiliates and who may be located outside of Canada.
31.2 If the Client has consented on their Account Opening Form, or has provided any other form of consent, CD may also use the Personal Information to provide the Client with news and other information on CD's services and activities which may be useful to the Client. If the Client would prefer its Personal Information not to be used for such purposes, they may send CD an unsubscribe notification pursuant to the unsubscribe mechanism that CD provides in each communication sent to the client.
31.3 CD may pass on Personal Information to any organisations which CD considers may be of assistance to the Client so that they may contact the Client with details of products and services which may interest the Client, subject to the Client's consent. The Client has indicated in the Account Opening Form, or subsequently, whether it consents to receiving information from such organisations (including by e-mail or other electronic means).
31.5 If the Client wishes to obtain a copy of its Personal Information, it should contact CD in writing in accordance with Clause 3.
32.1 The Client may be required to complete a user set up form providing details of any Authorised Person whom may use any Online System which CD may make available to the Client. The Client will be required to confirm its agreement to any system restrictions and limits prior to the Client being granted access to the Online System. Such access will be on the terms and conditions as to the use of the Online System as may be made available by CD to the Client (the 'Online User Guide'), which shall form part of these Terms. This Clause 32 applies subject to the provisions of the Online User Guide in relation to the Online System, and if there are any inconsistencies between this Clause 32 and the Online User Guide, the provisions of the Online User Guide will prevail. Terms which are not defined in this Clause 32 will have the meaning (if any) given to them in the Online User Guide.
32.2 The Client agrees to use the Online System only in accordance with the Online User Guide and maintain any minimum operating and browser specifications as advised by CD from time to time.
32.3 The Client agrees to be solely responsible for the protection of all passwords and the Client should notify CD immediately of any actual or suspected compromise of any password.
32.4 If there are any interruptions in the Online System which result in the Client being unable to use the Online System the Client should fax or telephone FX Orders and Payment Instructions to CD.
33.1 These Terms and any relationship between CD and the Client shall be governed by the laws of the Province of New Brunswick and the laws of Canada applicable therein, and is subject to the exclusive jurisdiction of the courts of the Province of New Brunswick.
33.2 If there is any inconsistency between the English language version and any non-English language version, including specifically the French language version, of these terms and conditions, the English language version shall be deemed to be the controlling version.
34.1 This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
34.2 If there are any changes to the amount, date or frequency of the Client's Direct Debit CD will notify the Client 10 Business Days in advance of your account being debited or as otherwise agreed. If the Client requests CD to collect a payment, confirmation of the amount and date will be given to the Client at the time of the request.
34.3 If an error is made in the payment of the Client's Direct Debit, by CD or the Client's bank or building society, the Client is entitled to a full and immediate refund of the amount paid from its bank or building society.
34.4 If the Client receives a refund it is not entitled to, the Client must pay it back when CD asks it to.
34.5 The Client can cancel a Direct Debit at any time by simply contacting its bank. Written confirmation may be required by that bank. A copy of any written confirmation should be sent to CD.
1.1 Before the Client is able to make use of the services provided by CD which are described in this addendum and become an "Online Seller Client", the Client has to be accepted by CD as an Online Seller Client.
1.2 In order to be accepted by CD as an Online Seller Client, the Client has to, among other things, be an existing client of CD and sell products online.
1.3 Once the Client has been accepted as an Online Seller Client, it will be able to: (a) log onto the Client's secure area of the Online Seller Site; (b) open Electronic Money Accounts; (c) send online proceeds of sale and other monies agreed by CD from time to time ("Collection Monies") to the Electronic Money Accounts; and (d) set, amend pause and cancel Rules (as defined below) on Electronic Money Accounts and consequently automatically place FX Orders and Payment Instructions with CD.
2.1 If the Client has been accepted as an Online Seller Client in accordance with paragraph 1 above, then: (a) CD can receive Collection Monies on behalf of the Client into a Segregated Bank Account in exchange for CD issuing the Client with the equivalent amount and currency of Electronic Money. This Electronic Money will be stored in the Client's Electronic Money Account; and (b) Rules over the Electronic Money Accounts can be set, amended, paused and cancelled.
2.2 The Client is responsible for providing CD with clear instruction on which Electronic Money Account is to be credited with Electronic Money upon receipt of Collection Monies. Collection Monies sent to CD will be subject to a 0.1% receipt upon issuance of Electronic Money into the relevant Electronic Money Account.
2.3 The Client can ascertain how much money is held in each Electronic Money Account either via telephone using the contact details set out in Clause 3 or by logging onto the Client's secure area of the Online Seller Site in accordance with paragraph 6 of this addendum.
3.1 The Client is able to set rules ("Rules") on each of its Electronic Money Accounts. When a Rule is set and the condition (the "Condition") in that Rule is satisfied, then an automatic Payment Instruction and/or an automatic FX Order (depending on whether the Customer Account and the Destination Account (defined below) are the same currency or not) will be placed by the Client with CD.
3.2 There are three Rules which may be set on an Electronic Money Account, namely the Immediate AutoWithdraw Rule, the Threshold AutoWithdaw Rule and the Exchange Rate AutoWithdraw Rule. Only one rule may be set on an Electronic Money Account at a time.
3.3 If the Immediate AutoWithdraw Rule applies to an Electronic Money Account, then the condition which, when satisfied, triggers the automatic placing of a Payment Order and/or the automatic placing of an FX Order, is that any amount of Electronic Money is received by the Electronic Money Account (the "Immediate AutoWithdraw Condition").
3.4 If the Threshold AutoWithdraw Rule applies to an Electronic Money Account, then the condition which, when satisfied, triggers the automatic placing of a Payment Instruction and/or an FX Order, is that the balance of Electronic Money in the Electronic Money Account reaches or exceeds an amount which the Client determined (the "Threshold Amount") when setting the Rule (the "Threshold AutoWithdraw Condition").
3.5 If the Exchange Rate AutoWithdraw Rule applies to an Electronic Money Account, then the condition which, when satisfied, triggers the automatic placing of a Payment Order and/or the automatic placing of an FX Order, is that the exchange rate which the Client can obtain from CD to use the Electronic Money to purchase the currency the client chooses when setting the Rule, is the same as or more beneficial to the Client than the exchange rate which the Client determined (the "Threshold Exchange Rate") when setting the Rule (the "Exchange Rate AutoWithdraw Rule").
(e) , if the Exchange Rate AutoWithdraw Rule is to apply to the Electronic Money Account, the relevant Threshold Exchange Rate.
3.7 The Client is able to set, amend, pause or delete the Rules applying to each of its Electronic Money Accounts either via telephone using the contact details set out in Clause 3 or via the Client's secure area of the Online Seller Site.
3.8 The Client will receive notifications from CD when it sets, amends or cancels a Rule or when the condition of a Rule set on an Electronic Money Account has been satisfied. If the Client receives a notification which it, or an authorised user did not action or which it otherwise should not have received, then the Client must inform CD as soon as it becomes aware by using the contact details set out in Clause 3.
(c) then an FX Order will automatically be placed by the Client with CD.
(ii) the exchange rate which CD believes, acting reasonably, that it would be able obtain if it were to purchase the currency of the Destination Account using the currency of the Electronic Money Account on the wholesale markets at the time the FX Order is accepted by CD.
4.3 The Client acknowledges that, even if the Exchange Rate AutoWithdraw Rule applies, the exchange rate applied will still be as set out in paragraph 4.2(b). Accordingly, in rare cases, the exchange rate which applies to the Client's FX Contract might be less beneficial to the Client than the Threshold Exchange Rate.
(ii) the money which is purchased using the money which is available to the Client (less any charges) as a result of the Electronic Money in the Electronic Money Account being redeemed in the event that an FX Order was automatically placed at the same time the Payment Instruction was automatically placed.
(b) the details of the Payee will be the details of the Destination Account supplied when creating or amending the relevant Rule.
6.1 The Client's secure area of the Online Seller Site (the "Online Seller Site") is accessed by entering the Client's username and password on the appropriate page of CD's website.
6.2 The Client's secure area of the Online Seller Site allows the Client to view the amount of money held in each Electronic Money Account and set, amend, pause and delete Rules to those Electronic Money Accounts.
6.3 If there are any interruptions to the Online Seller Site, which result in the Client being unable to use the secure area of the Online Seller Site, the Client should contact CD to, among other things, set, amend and cancel Rules using the contact details set out in Clause 3.


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redpajama_set_name: RedPajamaGithub


Pacific Office Designs delights in bringing creative minds together in any setting. Whether it's in your workstation, meeting rooms, training rooms, or down the street in your local café, we provide comfortable environments designed to free your mind and renew your spirit. We represent over 200 quality manufacturers of contract furniture, leading the way with the best designs in the corporate, education, hospitality, and healthcare workplace.
Let our designers develop the space you need to maximize your talent and capabilities.


If you are looking to save time on RPG gaming development while still being able to define your own graphics RPG Game Icons may be just what you are looking for. Stock icons, icon libraries, and niche specific gaming icon packs in different sizes and a variety of formats will help you to improve your productivity with RPG gaming illustrations minus the use of a graphics editor. For diversity and quality RPG Game Icons will be just what you need.


There are some values available in CSS that allow shapes to be drawn. For example, there is a circle() function that is a valid value for a couple of CSS properties. "Drawn" might not be the right word, though. It's not like in SVG where you can create a <circle> element and it will literally draw a circle.
These shapes in CSS are for other things. Namely: clip-path, which is for making clipping masks, and shape-outside, for flowing text around shapes.
There are some other CSS properties that use SVG-like shapes for doing what they do. For example, offset-path is part of animating elements along vector paths, using the path() function. Paths are awesome. They are the ultimate drawing element, as they can draw anything, and all the other shapes are essentially syntactic sugar for paths.
What are the basic shapes?
Paths come from SVG. They have a special syntax that allows them to draw anything.
The clip-path and shape-outside properties can take all the "basic shapes" like circle() and polygon(), but not path().
The offset-path properties can take path(), but not the "basic shapes".
You can control the d attribute of a <path> through CSS also, but not the attributes of many other SVG elements.
I'm not really sure why any of this is, and I'm sure things will change in time, but it's good to know about.
See the Pen Clipped Avatars by Chris Coyier (@chriscoyier) on CodePen.
Well, you can't. Not directly in CSS anyway. Those curves require a path, and clip-path don't do path. Fortunatly, clip-path does take a url(), which will accept the ID of a <clipPath> element.
Say we want to move an object along the outside of that speech bubble shape we just used. The offset-path property is just for that.
See the Pen offset-path on path by Chris Coyier (@chriscoyier) on CodePen.
But what if you want to move the element in a circle? The basic shape version of a circle has a super easy syntax, like circle(50% at 50% 50%); But unfortunately, the basic shapes aren't supported. The spec allows for them, but they don't work. It kinda makes sense, because... how would you define which direction to travel?
And those commands dictate a direction naturally. There are also other ways to animate in a circle.
Say you wanted to wrap some text around an egg shape, because I dunno, you were setting some text of Alice talking to Humpty Dumpty. The egg shape is a good excuse to use the ellipse() Basic Shape.
See the Pen Shape Outside Egg by Chris Coyier (@chriscoyier) on CodePen.
See the Pen Wrap Text Around Curve by Chris Coyier (@chriscoyier) on CodePen.
The url() can even be a data URL. Also note that any element using shape-outside must be floated, a limitation that might be resolved with CSS Exclusions.
See the Pen Change path on hover by Chris Coyier (@chriscoyier) on CodePen.
You can even transition the shape, if it happens to be path data with the same amount of points.
It does get a bit confusing though. Say you have a <polygon> instead.
How do you update it with CSS?
There isn't a way, that I know of. Which seems weird as polygon is otherwise supported all over the place. I imagine part of problem is that the polygon() function is different from the points attribute. The polygon() function takes percentages and numbers with units in CSS, whereas the points attribute takes unitless numbers (like everything in SVG). They are different beasts, and that overlap is awkward.
See the Pen Altering Circle Attributes by Chris Coyier (@chriscoyier) on CodePen.
Long story short: there is usually a way to get done what you want to get done, but it's confusing what is/isn't supported where.
I'm not really sure why any of this is, and I'm sure things will change in time, but it's good to know about.
"Why" is mostly a case of lots of new features being developed asynchronously, and some get ahead of others. The long term goal is definitely to have a more logical & consistent set of shape functions.
path() wasn't in the original CSS Shapes spec, it is added by the motion/offset path spec. However, it is defined such that it should apply anywhere a CSS property accepts a <shape-function>, and has been added to CSS Shapes level 2. If you want to use path functions in clip-path and shape-outside, please file/upvote browser bugs!
Similarly, the motion/offset path spec supports all the shape functions, but the initial experimental implementation in Chrome is very limited.
The SVG attributes-in-CSS options are a little more complicated, because of the need to keep backwards compatible with the way things work in SVG. d doesn't define a complete shape: you need a separate fill-rule, and it only applies on a <path> element. Things are kind of half-way spec'd, but now browsers are holding back on any new implementation commitments. Again, if this is important to you (aka, if it could make your life way easier if browsers supported more SVG-in-CSS), please let the browser teams know!


The fun Alabaster Pineapples Shower Curtain features a row of white pineapples standing out against a deep indigo blue background to add a lively accent to any d cor.
This beach shower curtain ships from the manufacturer. Allow 1 to 2 weeks. Cannot express ship. For even more options, we encourage you to take some time to shop our thorough variety of beach shower curtains at Bella Coastal Decor now.


text:
Home Headlines Obama secures Iran victory as 34th senator endorses nuclear deal
Obama secures Iran victory as 34th senator endorses nuclear deal
Lady MJ Santos
US secretary of state John Kerry was due to defend the deal in a speech in Philadelphia on Wednesday. Photograph: Andrew Harnik/AP
2 September 2015 (TSR-Guardian) – The Obama administration has secured enough support in the Senate to ensure that the Iran nuclear deal will survive a congressional vote, but John Kerry warned remaining waverers that rejection of the agreement would be a "self-destructive blow" to US credibility.
Kerry was speaking in Philadelphia less than an hour after Democrat Barbara Mikulski became the 34th senator to support the deal, ensuring a landmark victory for the Obama administration's efforts to prevent it being derailed.
Mikulski's support for the agreement means that Obama has enough votes in the Senate to uphold his veto if Congress rejects the July deal as expected. But the adminstration is still hoping to amass 41 votes, which would spare Obama from having to use his veto and spend political capital.
Kerry said: "It's hard to conceive of a quicker or more self-destructive blow to our nation's credibility and leadership" than a vote against the agreement, known as the Joint Comprehensive Plan of Action (JCPOA). The secretary of state sought to dispel what he described as myths about the July deal which he said had begun to circulated "even before the ink was dry".
At the top of his list was the belief that the agreement was based on trust.
"There is a not a single sentence or paragraph in this whole agreement that depends on promises or trust. Not one," Kerry said. Instead, he insisted, Iranian compliance would be monitored by an unprecedented and hi-tech surveillance regime installed by the UN nuclear watchdog, the International Atomic Energy Agency (IAEA).
, Mikulski said she was convinced that the agreement, blocked all four possible pathways to a nuclear bomb, and created "the most robust and extensive verification system ever provided" by the UN nuclear watchdog, the International Atomic Energy Agency.
"The conditions for the lifting of sanctions are strict and verifiable, and with continued international support sanctions could snap back," Mikulski said. "The lifting of the sanctions comes more quickly than I would like, and snapback will require continued international support. But after considering the alternatives, I will support this agreement."
The 34-senator milestone represents a resounding defeat for efforts by the Republicans and the Israeli government to derail the agreement, but it is by no means the end of the political struggle.
The threshold means that Obama's supporters could stop his veto being overridden if he needed to use it against a congressional vote of disapproval on the JCPOA, agreed with Iran, the US and five other world powers in July. Democrats are now trying to reach 41 votes, enough to block the disapproval vote in the Senate by filibuster, and spare Obama from having to spend political capital on a veto.
The result is already a stinging blow for the deal's principal opponents, the Republican leadership, the American Israel Political Affairs Committee lobby group – which spent tens of millions of dollars campaigning against the JCPOA – and the Israeli prime minister, Binyamin Netanyahu, who waded into US politics to an extraordinary degree in an attempt to block it.
Diplomats say Wednesday's milestone removes the more significant near-term threat to the survival of the agreement, which has already beenendorsed by a Security Council vote. It is likely to accelerate preparatory steps on all sides to implement the deal, particularly in Iran, which has a long list of tasks to carry out under the JCPOA to limit the capacity of its nuclear programme before it can benefit from sanctions relief.
"The Iranians will be making certain their technical capabilities are up to scratch," a western diplomat said. "But they're not going to press the go button prematurely. They will sure to figure out quickest safest way to do the steps they have to under the agreement."
The spectacle of the furious US political battle has also helped convince some sceptics in the Iranian leadership over the Obama administration's determination to honour its side of the deal. Trita Parsi, the head of the National Iranian American Council, an advocacy group backing diplomacy with Tehran, said: "With the deal now being confirmed, there is a stronger expectation now that [Supreme Leader] Khamenei will come out and endorse it."
Now that the deal has been secured in Washington attention will shift to Tehran. President Hassan Rouhani argued that the JCPOA does not need approval from Iran's parliament, the Majlis. The deal has been submitted for review, but ultimately nobody expects the Majlis to defy the Supreme Leader to such a crucial issue.
"Even the most ardent anti-American politicians in Tehran now realize that the US is no longer monolithically hostile towards Iran. What is less certain in their eyes is whether this amounts to a strategic shift or a ephemeral phenomenon that ends with Obama's presidency," Ali Vaez, an Iran expert at the International Crisis Group said.
The real struggle in Iranian politics will be over whether the JCPOA will lead to a more general thaw in relations with the US. It has been a battle fought out in the past few days on the wall of the former US embassy, where the "Death to America" slogans that have been there since the 1979 Islamic revolution were painted over this week, only to be replaced by a plaque engraved with anti-American slogans put up by ultra-conservative students.
Conservative elements in the regime have been kept at bay by the Rouhani government, bolstered by the Obama administration's success to date in keeping American hardliners in check. But that balance is precarious, as opponents of the JCPOA plan new unilateral sanctions aimed at sabotaging the agreement.
"Most worrying is that lobbyists have already begun circulating drafts for new legislation that would impose new waves of sanctions against Iran unilaterally without due regard for the conflict resolution process entailed under the deal," said Ellie Geranmayeh, of the European Council on Foreign Relations.
"If such proposals become law in the course of the next few months when Iran begins to implement its commitments under the deal, Congress would in effect kill the agreement. Imposing US unilateral nuclear related sanctions would force Iran to walk away from the deal, China and Russia are likely to do the same – and Europeans would be placed in a dilemma scenario."
In his remarks on Wednesday, Kerry said he was prepared to work with Congress on sanctions "which are consistent with the agreement". But the text on sanctions in the JCPOA explicitly notes: "Iran has stated that it will treat … such an imposition of new nuclear-related sanctions, as grounds to cease performing its commitments under this JCPOA in whole or in part."
Therefore, new congressional sanctions, nuclear-related or otherwise, could still sink the agreement, and the president could have to his veto repeatedly to protect it, in turn raising concerns in Tehran and among US allies in Europe about the fate of the JCPOA after the Obama era comes to an end in January 2017."
Diplomats said that any disputes about new sanctions would hopefully be resolved by a joint commission including Iran and major powers, specially designated by the JCPOA as a means of conflict resolution.
Kelsey Davenport, the director for non-proliferation policy at the Arms Control Association argued that prompt and complete Iranian compliance could have an effect on the continuing American debate. "Establishing a solid record of compliance will help thwart attempts to sabotage the agreement and demonstrate to US skeptics that Tehran is serious about restricting its nuclear program," she said.
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http://thesantosrepublic.com
Lady MJ Santos is the Founder/CEO of The Santos Republic Systems. Her professional background is political and media strategy, asset and credit enhancement, international trade and development and public speaking. For two consecutive years, she was awarded by Silicon Valley's TRIPBASE as their favourite "writer to be revered and respected" of all the world politics blogs from across the internet for "displaying knowledge and temerity in her approach matched only by her success in the political and managerial circles".
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redpajama_set_name: RedPajamaCommonCrawl


text:
O Académico Basket Clube é um clube fundado em 29 de Dezembro de 1933, cuja principal modalidade é o andebol apesar da prática de outros desportos como Hóquei em patins, basquetebol, atletismo, voleibol, xadrez, patinagem artística ou Taekwondo.

É o 3º clube português com mais títulos nacionais de andebol e o único clube português a ter disputado uma final da Liga dos Campeões da EHF em 1993–94, período de ouro do ABC, então a melhor equipa portuguesa e umas das melhores a nível europeu. Foi campeão nacional pela última vez em 2015-16, ano em que conquistou também o seu primeiro título europeu, a Taça Challenge da EHF.

História
Em 6 de Novembro de 1958, no decurso das bodas de prata do clube, o reconhecimento da cidade de Braga pelo serviço prestado pelo ABC à juventude, é expresso pelo então Vereador José Maria Rodrigues que propõe a entrega da medalha de Ouro da cidade ao ABC.

1960 foi um ano rico para o ABC. E não só no Hóquei em Patins ou no Atletismo. O Voleibol reapareceu, depois de um longo interregno. E reapareceu em masculinos e femininos. Em masculinos, no Campeonato Regional do Norte da Promoção e em femininos, no Campeonato Regional do Norte.

O ano de 1961 foi também importante para o ABC no Atletismo, no Hóquei em Patins e também no Andebol de Sete. Mas o ABC não vivia unicamente para si próprio. Preocupava-se com a comunidade. Era um actor social. O Diário do Minho de 26 de Junho de 1961, fazia o seguinte cabeçalho: "Festival Desportivo elegante organizado pelo ABC de Braga e integrado nas Festas da Cidade", para anunciar os jogos de voleibol feminino e de hóquei em patins que o Académico iria realizar com o Leixões e a Selecção do Minho, respectivamente.

O Andebol do ABC iniciou a época em Janeiro de 1965 com o Torneio Início da Associação de Desportos de Braga (ainda com árbitros do Conselho da Associação de Andebol do Porto). Participaram ABC, S.C de Braga, Círculo Arte e Recreio de Guimarães, Desportivo Francisco de Holanda e Vitória Sport Clube, também de Guimarães. O ABC foi 3º com Moreira, Costa, Guilherme, Mateus, Assis, Creissac, José Afonso, Santos, César, C. Jorge, Santos, Saraiva.

Há pouco mais de duas décadas, o hóquei em patins era no entanto a modalidade rainha, chegando a ceder alguns atletas às várias selecções nacionais. Em 1979 o ABC, enquadrado pela Associação de Desportos de Braga, à época a maior Associação de Desportos do país, o Académico Basket Clube fazia-se representar em várias modalidades: Andebol, Hóquei em Patins, Basquetebol, Voleibol, Ténis de Mesa, Atletismo e Ginástica. Em 1982/83 o ABC caminhava para uma bipolarização em termos de modalidades praticadas: Hóquei em Patins e Andebol.

O ponto alto da vida do ABC nos finais de 1983 era, sem dúvida, a presença no Nacional da II Divisão de Andebol, Zona Norte. As equipas em competição eram as do Maia, ABC, Quimigal, SC Braga, Beira-Mar, Desportivo da Póvoa, Fermentões e CP Natação. O plantel era constituído pelos guarda-redes Godinho e Marta, pelos 1ª linha Luís Silva, José Barros, Moisés Ferreira, Maurício Ribeiro, Artur Passos e Adelino Silva e pelos 2ª linha António Casaca, Manuel Marinho, Alberto Araújo, Jorge Barbosa, Paulo Ribeiro e Fernando Rito. O treinador era Antero Cadilhe. Sucedeu-lhe Passos e depois António Cunha. Em 8 de Dezembro desse ano, em entrevista ao Correio do Minho afirmava "(…) eu como treinador e agora nesta situação, sempre tive o objectivo de ganhar todas as provas em que entro. É precisamente este espírito "ganhador" que estou a procurar incutir aos academistas. (…)"

Com a subida à primeira divisão da equipa de andebol, António Cunha foi o mentor do ABC tal qual o conhecemos. A mudança de cor do equipamento de preto para amarelo provocou uma cisão no clube, de tal modo que alguns dos sócios mais antigos abandonaram de vez o clube.

Apenas três épocas depois de ter assegurado o título da segunda divisão, o ABC completou uma ascensão meteórica com a conquista do primeiro de doze campeonatos nacionais da primeira divisão (1986 / 87).

Em 1994 disputou a final da Liga dos Campeões Europeus com o Teka de Santander.

Conquistas essas que continuam hoje a marcar o ABC como a melhor escola de formação de atletas de andebol em Portugal e uma referência para a modalidade europeia.

Em Janeiro de 2009, na Gala do Clube em que se comemoraram as bodas de diamante, viu reconhecido publicamente o trabalho desportivo e social desenvolvido, com a atribuição da Medalha de Mérito Desportivo, atribuído pela Secretaria de Estado da Juventude e Desporto.

Palmarés Seniores
Campeonato Nacional: 13
 1986-87, 1987-88, 1990-91, 1991-92, 1992-93, 1994-95, 1995-96, 1996-97, 1997-98, 1999-2000, 2005-06, 2006-07, 2015-16
Taça de Portugal de Andebol Masculino: 12
 1989-90, 1990-91, 1991-92, 1992-93, 1994-95, 1995-96, 1996-97, 1999-2000, 2007-08, 2008-09, 2014-15, 2016-17
Supertaça Portuguesa de Andebol Masculino: 7
 1991, 1992, 1993, 1996, 1999, 2015, 2017
EHF Champions League Finalistas: 1
 1993-94
Taça Challenge de Andebol Masculino Campeão: 1
2015-16
Finalista: 2 (2004-05, 2014-15)

Plantel 2013-14

Competições Europeias
Atualizado a 1 de janeiro de 2018.

Ligações externas
Site Oficial do ABC

Desporto em Braga
Clubes de andebol de Portugal
Clubes de basquetebol de Portugal
Clubes de voleibol de Portugal
Clubes de hóquei em patins de Portugal
Clubes de atletismo de Portugal
Clubes de xadrez
Clubes esportivos fundados em 1933
Fundações em Portugal em 1933

redpajama_set_name: RedPajamaWikipedia


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The Dust That Falls from Dreams
By Louis de Bernieres
Narrated by Avita Jay & David Sibley / 17 hours 25 minutes
From the acclaimed author of Corelli's Mandolin, here is a sumptuous, sweeping, powerfully moving new novel about a British family whose lives and loves are indelibly shaped by the horrors of World War I and the hopes for its aftermath.
In the brief golden years of the Edwardian era the McCosh sisters—Christabel, Ottilie, Rosie and Sophie—grow up in an idyllic household in the countryside south of London. On one side, their neighbors are the proper Pendennis family, recently arrived from Baltimore, whose close-in-age boys—Sidney, Albert and Ashbridge—shake their father's hand at breakfast and address him as "sir." On the other side is the Pitt family: a "resolutely French" mother, a former navy captain father, and two brothers, Archie and Daniel, who are clearly "going to grow up into a pair of daredevils and adventurers." In childhood this band is inseparable, but the days of careless camaraderie are brought to an abrupt halt by the outbreak of The Great War, in which everyone will play a part.
All three Pendennis brothers fight in the hellish trenches at the front; Daniel Pitt becomes an ace fighter pilot with his daredevil tendencies intact; Rosie and Ottilie McCosh volunteer in the hospitals, where women serve with as much passion and nearly as much hardship as the men at the front; Christabel McCosh becomes one of the squad of photographers sending "snaps" of their loved ones at home to the soldiers; and Sophie McCosh drives for the RAF in France. In the aftermath of the war, as "the universal joy and relief were beginning to be tempered by . . . an atmosphere of uncertainty," everyone must contend with the modern world that is slowly emerging from the ashes of the old.
A wholly immersive novel about a particular time and place, The Dust That Falls from Dreams also illuminates the timeless ways in which men and women carry profound loss alongside indelible hope.
Author Louis de Bernieres
Narrator David Sibley & Avita Jay
Length 17 hours 25 minutes
Publication Date August 4, 2015


Sarcasm in relationships starts in the sandbox.
Boy steals girl's shovel then punches her on the arm.
This is his first attempt at showing affection.
But some guys never make it out of the sandbox emotionally. They switch from stealing and punching to jokes and insults as a means of flirtation.
This is where it can get dangerous.
What is Sarcasm in Relationships?
Humor is really important in relationships.
Women love men who can make them laugh. Being able to make your partner laugh is fun, it can bring you closer together and can get you through the rocky times.
Everyone loves a good joke. But what about when the joke is at her expense?
If you're not sure what "ironic" means, don't worry about it. No one does. Not even Alanis Morissette.
Sarcasm is often referred to as the lowest form of humor, and it can be just that if you don't know how to use it correctly.
Like most comedy, sarcasm in relationships is an art form. Not everyone can do it properly.
It's like a painting – a few too many brush strokes and you can go from a priceless 19th century Jesus painting to a horribly restored/disfigured 19th century Jesus painting.
The main thing with sarcasm is choosing your target.
There's nothing wrong with being sarcastic about yourself, your life, your surroundings, etc. It shows you don't take yourself too seriously.
However, once you point the sarcastic arrow at your partner, you need to be very careful before you let the jokes fly.
Some men use sarcasm as a way to break the ice with girls. It's the verbal punch in the arm that says, "I dig you." It can be cute, it can be playful, but it can also be your downfall.
This is the slippery slope of sarcasm.
I went on a first date with such a jester once. It started out fine. He took a few gentle jabs at me on the car ride to dinner and it was funny (ish).
But after he mocked me about how high my heels were, my outfit, how long it took me to order my food, the way I ordered my food and then finally how I ate my food, I stopped mid-bite, stood up and put my coat on (that he had made fun of earlier) and walked out.
"I didn't come here for a roast," I said as a cab pulled up. Then I flipped him a freshly manicured bird out the cab window as we pulled away.
Sarcastic jokes are really just insults when you don't really know somebody. Also, I seriously need to work on some good comebacks.
Sarcasm can be even more deadly in an ongoing relationship.
They say that familiarity breeds contempt – but it can also breed sarcasm.
Once the relationship has progressed into something more meaningful, women want to see outside the sandbox thinking.
They want a man who can say what he feels and make them feel loved and appreciated. For realsies.
They may even want … GET READY FOR IT … a card now and again that says something romantic on it.
When used too often, sarcasm in relationships can give the impression that you're not taking her seriously. If you're constantly making fun of her, even if you think you're being HILARIOUS, it can end up making her feel belittled and stupid.
Over time it can truly damage her self-esteem.
Sarcasm can actually mask the real problems in relationships. Instead of communicating directly, snarky comments, bitter remarks and taunts are used to express disagreements.
And the next thing you know, you're stuck in a Darren Aronofsky film.
Being sarcastic towards her in front of other people is also risky.
How risky? RISKY BUSINESS RISKY!
You may think you're being charming by poking fun at your beloved, but you're going to make yourself AND your lady look bad. Or, worse, your friends may all chime in and start making fun of her as well. Is it all fun and games or are you going to lose an eye?
Don't get me wrong. I think sarcasm in relationships can be funny.
I love a well-placed quip at my expense now and again. Being able to laugh at yourself is a good quality to have; however, you need to be selective when to use it.
If you choose poorly with sarcasm, get ready to fall through the cracks like that dude who drank from the wrong cup. I bet he was SUPER SARCASTIC, probably like, "Okay, old guy, I'll drink from the wrong cup and something REALLY bad's gonna happen. Suuuure." And bye-bye.
When it comes to sarcasm in realtionships, you have to be careful with your partner.
When in doubt, there are a lot of other things to make fun of out there instead. Like smart cars, skinny jeans or the Kardashians.
Eliza Bayne is a writer and producer living in Los Angeles. She enjoys short walks on long piers, pierogies and making people laugh. Follow her on Twitter to experience her warped mind to the fullest: @elizabayne and visit elizabayne.com.


Beta-Local is an organization, a working group, and a physical space in San Juan, Puerto Rico. Beta-Local is a study and production program, an experimental education project and a platform for critical discussion and production immersed in our local reality (San Juan, the tropics, the Caribbean, the unplanned city) and our present moment (the economic crisis, the infinite potential, the skills and ideas of people who live here, now). There are some local variables such as the stagnation of local cultural institutions, the lack of an MFA program in the arts, a debilitating "brain drain", and the prohibitive costs of higher education outside of Puerto Rico, as well as the peddling of the generic-as-international by many art schools and cultural institutions. We view these as opportunities for generating new forms. Beta-Local does not aspire to become another node in the globalized art market or academic spectrum. We are not interested in a mimetic practice.
Above: Casa del Sargento in Old San Juan, a historic building owned by the Puerto Rican Institute of Culture and administered by Beta-Local since 2014. Photo by Sofía Gallisá Muriente.
Nine months, with weekly meetings.


Tap into timeless Italian design for your underwater training. Our Colosseum shorts feature one of our favourite SS2015 prints: a clean graphic sketch of the famous Roman landmark with gradations of green, white and red. Swimming is a work of art.
We believe in being on the vanguard, from swimsuit design to the materials we use. Waterfeel X-Life Eco is an environmentally-friendly fabric using recycled polyamide. It can stand up to chlorine and sunlight, but won't get between you and the water. With two-way stretch, you'll get the flexibility you need for tackling your favourite stroke.
Our swimwear for men maximizes your efficiency in the water with a perfect fit. At 27 cm long, our swimming shorts support you from mid-waist to upper-thigh with the flexibility and freedom of a brief.


text:
Chico je nejlidnatější město v Butte County v americkém státě Kalifornie. V roce 2010 zde žilo 86 187 obyvatel. Město je kulturním, ekonomickým a vzdělávacím centrem severního Sacramentského údolí a domovem Chico State University a Bidwellova parku, 25. největšího městského parku ve Spojených státech a 13. největšího městem vlastněného parku, který tvoří více než 17 % rozlohy města.

Další města v blízkosti metropolitní oblasti Chica (s populací přes 212 000) jsou Paradise a Oroville, mezi menší města a vesnice patří Durham, Cohasset, Dayton, Hamilton City, Nord a Forest Ranch. Metropolitní oblast Chica je 14. největší metropolitní oblast v Kalifornii.

Historie

Původními obyvateli oblasti, nyní známé jako Chico, byli příslušníci indiánského kmene Mechoopda.

Chico bylo založeno v roce 1860 Johnem Bidwellem, členem jednoho z prvních karavanů, které dorazily do Kalifornie v roce 1843. Během americké občanské války, 26. srpna 1863, byla založena vojenská jednotka Camp Bidwell (pojmenovaná právě po Johnu Bidwellovi, v té době brigádním generálovi kalifornské milice), která se skládala z jedné jízdní a dvou pěchotních rot. Na začátku roku 1865 se tato jednotka začala nazývat Camp Chico, protože v té době bylo v severní Kalifornii založeno jiné vojenské stanoviště nazvané Camp Bidwell, později přejmenované na Fort Bidwell. Město bylo zaregistrováno 8. ledna 1872.

Když bylo Chico zaregistrováno, stalo se domovem významné čínské komunity, nicméně v únoru roku 1886 čínská čtvrť vyhořela po zapálení žháři a čínská komunita město opustila.

Historik W. H. Hutchinson definoval pět nejdůležitějších událostí v historii Chica. Jsou jimi příchod Johna Bidwella v roce 1850, připojení města ke Kalifornské a oregonské železnici v roce 1870, založení Chico State University v roce 1887, koupě Sierra Lumber Company společností Diamond Match Company v roce 1900 a rozvoj vojenské letecké základny (která se později přeměnila v civilní letiště).

Mezi další významné události patří výstavba dálnice 99E v raných 60. letech 20. století a vyhlášení "zelené linie" při západní hranici města z důvodu ochrany zemědělských pozemků.

Geografie
Chico se nachází na severovýchodním konci Sacramentského údolí, jedné z nejúrodnějších zemědělských oblastí na světě. Pohoří Sierra Nevada se táhne východně od města, městské pozemky sahají několik kilometrů do předhůří. Na západě od města teče řeka Sacramento.

Demografie
Podle sčítání obyvatel žilo v Chicu v roce 2010 celkem 86 187 lidí. Hustota obyvatel byla 1 005,5/km².

Partnerská města
  Tamsui, Nová Tchaj-pej, Tchaj-wan
  Pascagoula (Mississippi), USA

Odkazy

Reference

Externí odkazy

  Oficiální internetové stránky
  Bidwell Park
  Kalifornská státní univerzita, Chico

Města v Kalifornii


text:
When Food Can Kill You: Coping With Severe Food Allergies
June 7, 2016 - For Xaviar Peterson, eating lunch at the school cafeteria, at a friend's house, or in a restaurant, can be extremely dangerous.There's… more
June 7, 2016 - For Xaviar Peterson, eating lunch at the school cafeteria, at a friend's house, or in a restaurant, can be extremely dangerous.There's a long list of foods—from peanuts, to shellfish, to sesame—that could quickly send him into life-threatening anaphylactic reaction. He's one of up to 15 million Americans who suffer from food allergies. And though the statistics continue to rise, there is still no cure.
See how Xaviar, with the help of his mom Anastasia, learns to protect himself against the very real threats of food allergies, while still trying to live a normal life.
To learn more about families coping with food allergies and some theories as to why so many are afflicted, read more here: http://www.nationalgeographic.com/people-and-culture/food/the-plate/2016/06/science-can_t-fully-explain-food-allergies--but-many-people-just
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text:
Classic TV Shows We Wish Were Available to Stream
Why can't we watch these beloved shows? Blame music rights, distribution rights, or saving certain shows for specific streaming services.
LaToya Ferguson
Viacom/Fred Silverman/Matlock/Kobal/Shutterstock
The joy of streaming means that many beloved shows from your past can be rewatched and relived all over again. It also means that such convenience makes the beloved shows that aren't available to stream yet (or at least, aren't available any more) stick out even more egregiously. After all, why can't everything just be streaming? This is the age of Peak TV!
It's a rhetorical question, but the actual answer as to why we can't have everything ever, right now, is a mix of music rights, distribution rights, saving certain shows for certain streaming services, or some mix of all three. While some of these shows, as we've noted, are available for digital purchase — gotta keep those royalty checks coming! — it's impossible to get them in their entirety as part of any ongoing subscription package.
With these elements to blame, IndieWire has compiled a list of a number of classic shows that aren't currently available to stream — and may never be (again or ever):
This Article is related to: Television and tagged David E. Kelley, Garry Shandling, Streaming, TV analysis


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text:
La temptina (en inglés, temptin protein), es una proteína que actúa como feromona en el molusco gasterópodo marino Aplysia californica. Es una proteína abundante que se sintetiza en la glándula del albumen, y se libera en los cordones de huevos durante la oviposición, junto con otras proteínas: atractina y enticina (en inglés, attractin y enticin). Juntas, conforman un complejo de proteínas solubles en agua que actúan en conjunto atrayendo parejas para la reproducción e inducir el desove

Historia
La temptina fue descripta por primera vez en el año 2004 en el gasterópodo marino Aplysia californica. En 2017 se extendió el conocimiento de la temptina como señal química al molusco gastrópodo Biomphalaria glabrata, de agua dulce. En el 2019 se reporta como una proteína presente en los huevos aéreos de los moluscos gasterópodos de agua dulce Pomacea canaliculata y Pomacea maculata. En el 2021 un estudio del gen de la temptina sugiere que es propio de todos los Lophotrocozoa, y que está presente en todos los moluscos, excepto en los cefalópodos.

Estructura
El gen que codifica para la temptina es propia del clado Lophotrocozoa. La temptina de Aplysia californica tiene homología de secuencia con dominios similares al factor de crecimiento epidérmico (EGF) de organismos superiores que median el contacto de la superficie de la proteína con la célula durante la fertilización y la coagulación de la sangre. La proteína presenta dos puentes disulfuro que podrían estabilizarla de la proteólisis del medio extracelular donde es liberada, y un posible sitio de unión a calcio. En la estructura secundaria predomina la hoja plegada β.

Funciones
Además de su función de feromona, en el bivalvo dulceacuícola Hyriopsis cumingii la proteína se expresa en el manto y participa en la biomineralización de la concha. Mediante silenciamiento de genes se pudo demostrar que su ausencia altera la estructura biomineral de la concha.

Referencias

Proteínas
Feromonas