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Business, Finance, women, search_term_string, 7Bsearch_term_string7D, Gateway Gulf Investor Forum 2020, 257Bsearch_term_string257D, Private Education Sector, Bahrain EDB Art Competition, {search_term_string}
A New Law for the Digital Economy: Data Protection in Bahrain
Digital EconomyEconomic Development
/ Digital Economy / A New Law for the Digital Economy: Data Protection in Bahrain
A strong 21st-century economy must be digital through and through. Across the GCC, change is afoot as economies begin to steer away from purely oil-led growth towards an increasingly entrepreneurial model which fosters innovation. At the inaugural Gateway Gulf Investor Forum in May, which brought together more than 850 delegates from over 40 countries, it was clear that the region as a whole is diversifying and privatising, and in the process – creating the foundations for a thriving digital economy.
Bahrain has a long track record as a regional pioneer in the adoption of innovative technologies and business-friendly regulation to support the development of a digital economy. In 1962, the Kingdom became the first country in the MENA region to install a mainframe computer. The region's first satellite station followed in 1969.
In 2004, Bahrain led the way in market liberalisation in the GCC by fully deregulating its telecommunications sector. The Middle East's first smart cards were launched in Bahrain in 2005, followed by the first in the region to roll out 3G and 3.5G mobile broadband services and wireless services, and by 2008, Bahrain had rolled out the region's first nationwide high-speed 4G LTE network.
These developments have attracted companies across multiple sectors, including tech giants like Amazon Web Services who have set up storage zones in the Kingdom. As privacy concerns around the world keep mounting, so too does the need to regulate the handling of personal data across the private and public sectors.
This year, Bahrain has introduced its first nationwide standalone Personal Data Protection Law.
The Personal Data Protection Law is designed to be a key enabler in the development and future growth of Bahrain's digital economy. By recognising the importance of data protection, the Law seeks to keep pace with technological advancement by promoting efficient, secure and effective processing of big data. The Law will govern how personal information is used by individuals and organisations for commercial use. By ensuring the integrity and confidentiality of personal data, consumer trust in the market will be strengthened allowing for increased data flows across borders which individuals and businesses can capitalise on for growth and trade.
Bahrain's Personal Data Protection Law is modelled by the 1995 EU Data Protection Directive and provides for all principles enshrined in the 1998 UK Data Protection Act which is widely accepted to be a global code of best practice.
The new law shows investors, businesspeople and consumers that Bahrain continues to take solid steps towards a data-driven economy by adopting robust and transparent regulation to support digital transformation at all levels.
Further examples of that transformation include the Bahraini government's Cloud First Policy. Cloud First is a strategic move to integrate the cloud into all government agencies, enabling ministries to deliver additional services to users more efficiently while reducing IT system maintenance overhead costs by 30–90%. Startups in particular benefit from Bahrain's cloud ecosystem, since the ability to scale products at low costs helps disrupt existing markets.
Startups can also benefit from the region's first onshore regulatory sandbox, launched last year by the Central Bank of Bahrain to enable businesses to test new products and services in a safe-to-fail environment. The regulatory sandbox together with this year's launch of Bahrain FinTech Bay – the largest dedicated FinTech hub in the MENA region – have made Bahrain's FinTech scene one of the most vibrant in the Middle East.
These are some of the reasons why the World Economic Forum subsequently ranked Bahrain first in MENA for ICT readiness and individual ICT penetration. At the individual level, WEF also ranked Bahrain 14th globally among 139 economies.
The future prosperity of the GCC depends on countries like Bahrain responding quickly to the waves of digital and technological disruption that are sweeping the world economy. As Bahrain's digital economy deepens and expands, the Personal Data Protection law will enable the Kingdom to continue to attract high-quality FDI across multiple sectors. In 2017, Bahrain EDB facilitated an investment inflow of $733m – a record level which has already been surpassed this year. Therefore, it is no surprise that MENA's digital media market is forecasted to triple in size to $4bn by 2022.
The Personal Data Protection Law is proof of Bahrain's ability to stay right at the heart of the Gulf's growth potential in the years to come. The conditions for trade, innovation, and disruption could not be better – for Bahrain, the region, and the world at large.
Khalid Al Rumaihi
Chief Executive, Bahrain Economic Development Board
Digital Economy GCC Investment Logistics Manufacturing Technology Transport
The future of manufacturing: How technologies are transforming the industry in Bahrain
Digital Economy Finance FinTech
Breaking barriers: gender equality in Bahrain's FinTech sector
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Recent in Bahrain Pulse
How American companies can benefit from Bahrain's business climate Dec 7, 2020
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Why cross-border data flows are essential in the post-COVID era Dec 7, 2020

redpajama_set_name: RedPajamaCommonCrawl


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The terms "financial security" and "financial protection" can have different meanings for different people. Think about your own family's situation. If the income of your household's breadwinner unexpectedly were to cease, what would be the impact? Would there be enough money to cover your family's basic expenses? What about additional expenses?
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Car Hire Castel Gandolfo
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Top hotel deals in Castel Gandolfo
Hotel Castel Vecchio
Viale Pio XI, 23, Castel Gandolfo, RM
0.47 km from city centre
Situated on a lake, this hotel is 0.5 mi (0.8 km) from Papal Palace of Castel Gandolfo, and within 9 mi (15 km) of Lake Nemi and Ippodromo Capannelle. Castel Romano Outlet and Valmontone Outlet are also within 25 mi (40 km). Castel Gandolfo Station is 10 minutes by foot and Villetta Station is 16 minutes.
Villa Degli Angeli
Via Spiaggia Del Lago, 32, Castel Gandolfo
Situated in a regional park, this hotel is steps away from Lake Albano and Castelli Romani Regional Park. Palazzo Colonna and Papal Palace of Castel Gandolfo are also within 3 miles (5 km).
Hotel Castelgandolfo
Via De' Zecchini, 27, Castel Gandolfo, RM
Located in the heart of Castel Gandolfo, this golf hotel is within a 10-minute walk of Papal Palace of Castel Gandolfo and Castelli Romani Regional Park. Lake Albano and Chiesa Santa Maria dell'Assunta are also within 3 miles (5 km). Castel Gandolfo Station is 7 minutes by foot and Villetta Station is 12 minutes.
Atlantis Inn Castelgandolfo
Via Santa Lucia Filippini 11 13, Castel Gandolfo
Situated in Castel Gandolfo, this golf guesthouse is within a 10-minute walk of Papal Palace of Castel Gandolfo and Castelli Romani Regional Park. Lake Albano and Chiesa Santa Maria dell'Assunta are also within 3 miles (5 km). Castel Gandolfo Station is 8 minutes by foot and Villetta Station is 12 minutes.
Hotel La Culla del Lago
Via Spiaggia del Lago 38, \N, Castel Gandolfo, RM
Situated in Castel Gandolfo, this inn is steps away from Lake Albano and Castelli Romani Regional Park. Palazzo Colonna and Papal Palace of Castel Gandolfo are also within 3 miles (5 km).
Il Nido del Falco B&B
Via Spiaggia del Lago 24/C, Castel Gandolfo
Situated in Castel Gandolfo, this beach bed & breakfast is steps away from Castelli Romani Regional Park and Lake Albano. Papal Palace of Castel Gandolfo is 2.2 mi (3.6 km) away.
La Locanda del Pontefice
Via dei Laghi, Km 8, Castel Gandolfo, RM
Situated in Castel Gandolfo, this golf property is 0.1 mi (0.1 km) from Castelli Romani Regional Park and within 3 miles (5 km) of Lake Albano and Papal Palace of Castel Gandolfo. Abbazia di San Nilo a Grottaferrata and Gotto D'Oro-Cantina Sociale di Marino are also within 6 miles (10 km).
B&B Fiorella
Via Pian del Lago, 10, Castel Gandolfo
Situated in Castel Gandolfo, this bed & breakfast is within a 5-minute walk of Castelli Romani Regional Park and Lake Albano. Papal Palace of Castel Gandolfo is 1.7 mi (2.8 km) away. Castel Gandolfo Station is 29 minutes by foot.
La Casa sul Lago
Situated in Castel Gandolfo, this bed & breakfast is steps away from Lake Albano and Castelli Romani Regional Park. Papal Palace of Castel Gandolfo is 1.8 mi (2.9 km) away. Castel Gandolfo Station is 26 minutes by foot.
Villa Aulina Casa Nostra
Via Mole di Castel Gandolfo 3/C, Castel Gandolfo
Situated in Castel Gandolfo, this guesthouse is within a 15-minute walk of Castelli Romani Regional Park and Papal Palace of Castel Gandolfo. Lake Albano and Gotto D'Oro-Cantina Sociale di Marino are also within 3 miles (5 km). Villetta Station is 13 minutes by foot and Castel Gandolfo Station is 23 minutes.
Raffaello Suite at Atlantis Inn of Castel Gandolfo
Corso della Repubblica, Castel Gandolfo, Lazio
Situated in Castel Gandolfo, this bed & breakfast is within a 10-minute walk of Papal Palace of Castel Gandolfo and Castelli Romani Regional Park. Lake Albano and Chiesa Santa Maria dell'Assunta are also within 3 miles (5 km). Castel Gandolfo Station is 9 minutes by foot and Villetta Station is 13 minutes.
Corso Repubblica 31, Castel Gandolfo, Lazio
This family-friendly Castel Gandolfo apartment building is within a 10-minute walk of Papal Palace of Castel Gandolfo and Castelli Romani Regional Park. Lake Albano and Chiesa Santa Maria dell'Assunta are also within 3 miles (5 km). Castel Gandolfo Station is 9 minutes by foot and Villetta Station is 13 minutes.
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All the FAQs about car hire in Castel Gandolfo
Can I get cheap car hire in Castel Gandolfo?
On Wotif absolutely! per day is currently the lowest price in a fantastic list of deals we have for cheap car rental in Castel Gandolfo.
What's the average cost of car hire in Castel Gandolfo per day?
The average cost of car rental in Castel Gandolfo is in the list of deals we have currently available. Of course, that'll change depending on pick-up location, dates, and the kind of car you want.
What type of car can I rent in Castel Gandolfo?
Wotif has an awesome selection of car rentals in Castel Gandolfo. Think fun city rides in budget-friendly compacts to open-road thrills in stylish sports cars and more. Use the Car Type filter to choose your favourite and we'll get you moving.
Which is the best car rental in Castel Gandolfo?
Wotif compares prices from top Castel Gandolfo car hire companies. Narrow down your choice with the easy-to-use filters and book your epic deals with the best car rental company for you.
Where can I rent a car in Castel Gandolfo?
At Wotif, we have great deals on super-convenient car-rental locations around Castel Gandolfo – you may want to get your car at the airport, in the centre, or near where you're staying. Just stick your travel dates in Wotif's search, use the customising filters and, voila, it'll magic up loads of fantastic options for car rentals in Castel Gandolfo to suit you best.
I need to change my Wotif car hire booking. Can you help?
Of course! Our flexible cancellation policy makes it easy. To change any part of your car booking, simply cancel your existing one and rebook a new itinerary. In most cases, you won't be charged a penalty.
How do I cancel my Wotif car rental booking?
To cancel your car hire booking, sign in, and head to Manage Booking and click Cancel Reservation. If you booked your car hire as part of a holiday package, refer to Wotif's customer service portal for help. You must cancel a prepaid car rental reservation 6 hours before pick-up to qualify for a full refund.
Can I rent a car if I'm under 25 in Castel Gandolfo?
Some rental companies may let you hire a car in Castel Gandolfo if you're under 25. The best thing to do is check with the individual car supplier before booking.
Can I rent a car long term in Castel Gandolfo through Wotif?
Yes. Many companies offer affordable car rental deals in Castel Gandolfo for long-term hire – in fact, it's often cheaper than short-term rental. Select your pick up location and travel dates then hit Search to see all the great options available.
Why should I hire a car in Castel Gandolfo using Wotif?
We partner with top car hire agencies so you can select your perfect ride – from roomy SUVs to nippy run-arounds. Last-minute change of plans? No worries! It's simple and, in most cases, free to cancel and rebook. And if you need to book hotels and flights, you can mix and match with Wotif for extra savings.
What are the advantages of hiring a car with Wotif in Castel Gandolfo?
Car rental in Castel Gandolfo gives you the flexibility and freedom for a truly fantastic getaway that runs on your schedule. Style, comfort, and quality come as standard whether you're in an executive ride or a compact coupe – Wotif has the wheels you need.
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A coach is part teacher, part parent, part student, part mentor, and part guru. He must possess a stern hand and a comforting touch—and the wisdom to discern when each is needed. Each decision he makes is a part of a perilous high wire act that can propel a team forward or send a season tumbling downward. But when does a coach truly become a coach? Is it after some athletic director looks across the desk, offers his hand, and says, "Congratulations, you've got the job?" Is it after that first win? That first championship? Is it somewhere else along the way or is it when all those nagging questions in the back of the mind finally stop nagging? Scott Illiano, head baseball coach of the West Essex High School Knights, chronicles his incredible journey from waiter in a chain restaurant to championship coach in Our Time. Discover how an unproven coach and a patchwork group of underdogs battle injuries, biting cold temperatures, and fierce competition in their quest to win the Greater Newark Tournament, the oldest and most prestigious baseball tournament in the state of New Jersey. Twenty kids and four coaches share a dream and a whole lot of heart. Through their journey, in victory and defeat, struggle and success, readers will find out when a coach becomes a coach.


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BBCSPORT All Sport
Swimming Home
Catch-up: European Short Course Swimming Championships - day four
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British team of Scott, McLay, Hopkin & Anderson end night with silver in 4x50m mixed freestyle relay
GB's Anderson also wins women's 200m freestyle gold
O'Connor claims bronze in women's 200m individual medley
Scott & Litchfield qualify for tomorrow's men's 100m IM final; Scott also into 100m freestyle final
Tollcross International Swimming Centre, Glasgow, hosting event from 4-8 December
All times stated are UK
GB's Anderson wins gold in 100m freestyle
Video caption: 2019 European Short Course Swimming Championships: GB's Anderson wins gold2019 European Short Course Swimming Championships: GB's Anderson wins gold
Freya Anderson claimed gold in the 100m freestyle yesterday - setting a superb time of 51:49 as she beat France's Beryl Gastaldello and Femke Heemskerk of the Netherlands to top the podium.
Fellow Briton Anna Hopkins came fourth, missing out on a medal by just two hundredths of a second.
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Ones to watch in Glasgow - Men
Getty ImagesCopyright: Getty Images
Duncan Scott will look to give the home crowd something to cheer aboutImage caption: Duncan Scott will look to give the home crowd something to cheer about
Kliment Kolesnikov (Russia – 200 Backstroke): Won four medals in Copenhagen two years ago and might be the first medal winner in Glasgow. Will also be in the 50 and 100m backstroke and could start the Russian squad off in the 4x50m event too. And he's still only 19.
Duncan Scott (Great Britain, Men's 200m Freestyle): One for the home crowd to cheer on, Scott is in rare form at the moment and he will need to be if he wants to beat Lithuania's defending champion Danas Rapšys. Scott, who made the podium in the World Championships this year, beat Rapsys in Glasgow at the European Championships last summer.
Kristian Gkolomeev (Greece, 50m Freestyle): Won silver in Glasgow in the longer pool in 2018, and is now competing with the added turn on the shorter course. His father was a Bulgarian swim star. At 6ft 8in tall, he is arguably halfway to the other end of the pool by the time he surfaces from his dive.
Fabio Scozzoli (Italy, 50m Breaststroke): Now 31 years of age but not finished yet, Scozzoli won the world short course title in Istanbul in 2012 and repeated that four years later in Canada. He finished second behind Adam Peaty in 2018 but beat him into third two years ago in Copenhagen and broke the European record in the process.
Florent Manaudou (France, 50m Freestyle & Butterfly): A London 2012 winner, Manaudou had a career year in 2014, winning a combined 11 medals (seven of them gold) at the European Championships and World Short Course Championships. He sprinkled a couple of world records in there too. A recent convert to the ISL ranks.
Ones to watch in Glasgow - Women
Georgia Davies is looking to grab a backstroke medal in GlasgowImage caption: Georgia Davies is looking to grab a backstroke medal in Glasgow
Federica Pellegrini (Italy): A veteran of the Athens Olympics in 2004, where she won 200m freestyle silver, Pellegrini is nicknamed the Lioness of Verona and her career highlight was her 200m freestyle win in Beijing in 2008. She says she will give it all up after Tokyo next year.
Katinka Hosszu (Hungary): Three times an Olympic champion, Hungary's finest is known as the Iron Lady and her ISL team, operating out of Budapest, carries that name. She holds the 100m and 200m IM records and the same is true in the 100m and 200m backstroke. She finished the last Short Course European Championships with six golds.
Simona Quadarella (Italy): Just 20 years old, she dominated the distance events in Glasgow in 2018, winning the 400m, 800m and 1500m titles. She will be competing in the 400m and 800m this time around.
Georgia Davies (Great Britain): Probably Britain's best hope of a women's medal, Davies is a potential podium spot for the 50m and 100m backstroke. She won bronzes in China and Canada In the 100m event. She's also going in the mixed and women's 4x50m medley relay teams.
Pernille Blume (Denmark): The Olympic champion from Rio in the 50m freestyle has found wins tough to come by since, but remains a medal contender and certainly the fastest woman swimmer that her country has ever produced. She was the winner of four medals at the last European Short Course Championships.
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BBC coverage
All times are GMT and subject to change.
You can watch all of the action from the European Short Course Swimming Championships live on the BBC Sport website & app with coverage from the final day also available on the BBC Red Button - and you can watch it all again on the BBC iPlayer.
Saturday 7 December
17:00-19:20 - BBC Sport website & app
Sunday 8 December
17:00-19:45 - BBC Red Button, BBC Sport website & app
How to get into swimming
#GetInspired
Video caption: Getting wild about outdoor swimmingGetting wild about outdoor swimming
One of the nation's most popular activities, swimming is for anyone and everyone. From chilling out on the inflatables to doing several laps in the deep end, it's hard not to love a dip in the pool.
Find out how you can learn to swim in England, Wales, Scotland and Northern Ireland. You can also use Swim England's pool finder to find your local swimming bath.


The act of squeezing ones testicles at the base so they are tense at the top of the fist. This makes a heart shape which you then shine a flashlight on to project a valentine heart on the wall, ceiling, etc. Course hairy nuts can also make this a Nappy Valentines.
Hold em, Squeeze em, shine the light, its a happy valentines!
Get a Happy Valentines mug for your fish Rihanna.


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Classic & Collectible
1965, 1966, 1967 Plymouth Belvedere/Satellite and GTX
Chrysler's famous 426 Hemi was offered in only a handful of drag-strip specials during 1965, but was made a regular Satellite option in 1966.
For 1966, the Belvedere/Satellite received new sheet metal, resulting in a crisp, lithe body that was truly elegant. When equipped with the smaller V-8s of 273, 318, and 361 cid, they were the best all-around Plymouths in the line. Their crisp, chiseled styling was retained for 1967 with few changes.
Also for 1966, the incredible 425-horsepower Hemi was made available as an option on the Belvedere II and Satellite. The result was the electrifying "Street Hemi," equipped as standard with a heavy-duty suspension and oversize brakes. It was first offered with a four-speed gearbox, later with optional TorqueFlite automatic.
In the light Belvedere package, the Street Hemi could be simultaneously a docile boulevard tourer and a demon at the stop light. With the right tires and axle ratio, and correctly tuned, it was one of the quickest production cars available.
Right off the floor it was ready for drag-race competition in A/Stock or AA/Stock classes, and along with Dodge's Coronet it was allowed to run on NASCAR's shorter circuits-with predictable results.
David Pearson won the 1966 NASCAR championship with a Coronet; Richard Petty won in 1967 with a Belvedere. These were the major breakups of Ford's otherwise tight stranglehold on NASCAR between 1965 and 1970.
In 1967, the Hemi option was offered on the new Belvedere GTX, in addition to a 440-cid wedgehead "Super Commando" V-8 with 375 horsepower. The 440 had first been seen in the 1966 Plymouth Fury and other full-size Chrysler products but didn't become a performance engine until the 1967 model run. Even in this form it was not highly stressed.
In late summer 1966, a few factory-backed racing Belvederes carried the letters "GTX" in stock-car competition. The meaning wasn't clear until the "win-you-over" 1967s were announced, with a Satellite GTX at the top of the line.
Offered as a high-performance hardtop or convertible, the GTX looked its part, with a silver and black grille and rear deck panel, simulated hood air intakes, sport striping, and big dual exhausts.
Cars equipped with the powerful engine wore small 426 Hemi badges on their lower front fenders but otherwise gave little warning of what lay within.
The Belvedere I and II lines were continued with the same models, and a stripped Belvedere wagon was introduced with a base price of only $2,579. This proved to be more of a price leader than a serious seller: Only 5,477 were built, and the model was withdrawn in 1968.
Plymouth's racing victories are so numerous as to preclude mention here, but Richard Petty's NASCAR performance is worthy of note. He scored a record 27 triumphs (out of Plymouth's season total of 31), including 10 straight wins, on his way to his second Grand National driving championship. Both the 27 and 10 figures are records that still stand today.
Find specifications for the 1965-1967 Plymouth Belvedere/Satellite and GTX in our final section.
For more information on cars, see:
Consumer Guide New Car Search
Consumer Guide Used Car Search
1962, 1963, 1964 Plymouth Sport Fury
1967-1968 Plymouth Sport Fury and VIP
1968-1969 Plymouth Sport Satellite and GTX


An African American Trump supporter was admitted to a local Cleveland hospital after being shot during a political argument in a bar, reports say.Paul Jones, Jr., 60, was talking politics with the other patrons at a Cleveland bar named Winston's Place when one of the others in the room apparently took offense that a black man could be a Trump supporter. The black assailant wasn't part of the initial discussion, the victim told ABC Channel 5. "He butted in the conversation," the elderly Air Force Vietnam War veteran told reporters. "The conversation wasn't directed at him or to him." Police reported that the man walked out of the bar, then returned with a pistol and with little warning shot the victim in the thigh. "People today," Jones' mother Latosca said, "if you don't think like they do, they are ready to cause problems." "I'm quite sure you have a lot of people having their own opinions. But that doesn't mean you should hurt somebody because you have your own opinion," the victim's mother added. Police are still searching for the shooter who, if found, will be charged with felonious assault. The injured Trump supporter is expected to make a full recovery. See folks Black Lives don't Matter to other black people when your black and stand for a message of America. Black Lives Matter will likely never discuss this for two reasons he was shot by a black man, and he got shot because he's black and supporting Trump. Trump should instantly visit this man when he recovers from his injuries, because this man alone could destroy Black Lives Matter and the Left for not advertising his being shot for practicing his first amendment right to support his candidate. Good hopes to this man for a full recovery. Proof when black in America and against the left your black life don't matter to brainwashed black people.
I am praying for a speedy recovery for Mr. JONES. MR. Trump needs to jump on this.


The Saddle Company have brought their experience of producing lightweight, comfortable saddles to exactly the discipline where these qualities are sought. The result is the Endurance model.
Made as a part leather, part synthetic saddle where all the visible surfaces are leather hide covered. It features extra padding in the skirt over the stirrup bars and a thigh pad. Five D rings around the seat allow for saddle bags and accessories. Removable knee blocks and three girth straps.
Large serge covered panels give a wide weight bearing area. Serge lined panels mould themselves easily to the horse's back and they have excellent heat and moisture dissipation.
As with all Saddle Company saddles they feature a TreeTec precision moulded tree which guarantees symmetry and alignment and is virtually unbreakable. The tree can also be adjusted in the factory for width multiple times, so if your horse changes shape or you change horse, the saddle can be adjusted to fit for a small charge.
Don't forget that this saddle isn't just for Endurance riders – anyone looking for a comfortable general purpose saddle should consider it.
Order your endurance saddle from our online shop.
Multiple D rings for accessories and saddle bags.
The well padded seat and skirts maximise rider comfort.
Rear view of the wide panels and generous gullet. These panels are freshly flocked and un ridden and will adjust to the shape of the horse's back within the first few hours of use.


text:
Contact Us : +61 438 718 737 lindsay.david@www.lfeconomics.com
Home / Analysis
Game of Mates in Banking Regulation and Enforcement
By LF Economics	- May 10, 2018
By Philip Soos
A comprehensive report was published by the Council of Small Business Organisations of Australia in 2010, explaining how the Australian Bankers' Association (ABA) and subscribing banks have thoroughly subverted our system of co-regulation. This describes a system consisting of a combination of self-regulation and prudential regulation, with government and other regulatory organisations, such as ASIC, taking a more hands-off role to policing lenders.
After Australia's rapid deregulation when the recommendations of the Campbell Committee of 1981 were implemented by the Keating government, by 1987 it was feared that deregulation had gone too far and too fast. Policymakers were also concerned about the unequal bargaining power between lenders and borrowers.
This resulted in the 1991 Martin Review, which concluded that lenders had an overwhelming advantage in the legal system, dominating businesses and individuals who had few resources to fight the banks through the courts. The review recommended that a code be crafted that set out high-minded principles that lenders ought to abide by: The Code of Banking Practice.
Unfortunately, the ABA and subscribing banks, through their vast rent-seeking power, have managed to neuter the Code of Banking Practice, rendering it an unenforceable piece of toilet paper. The organisation established to monitor lenders' breaches of the code, the Code Compliance Monitoring Committee (CCMC) has been turned into a lame duck, along with the ombudsman, the BFSO (now the FOS).
The point of this soft corruption was to influence public perception that lenders were law-abiding organisations out to help businesses and individuals, and the very low number of breaches as determined by the CCMC was proof of lenders' meticulous compliance to the rule of law.
Despite this public relations propaganda, what you will find is truly a Game of Mates in action.
The report is summarised below, with important points noted along with the corresponding pages. It is well worth the read for those not wanting to read the full 335 page report, though a more up to date report of only 30 pages is also available.
TSBC (2015) The Australian Bankers' Problematic Code, 30 pages, (download here)
COSBOA (2010) The Australian Bankers' Problematic Code, 335 pages, (download here)
Detailed Summary
Before 1981, the activity of Australian banks and their manner with dealing with customers, was heavily regulated by the federal government. Following the 1981 Campbell report, this regulation was significantly reduced. After the stock market crash of 1987, there was concern that deregulation had gone too far. An alternative approach was suggested to ensure customers achieved fair treatment, which was the subject of the Stephen Martin committee of 1991. The report suggested that a formal system of self-regulation be enacted, given the high costs of legal disputes in the courts to all parties (2).
The first Code of Practice was established in 1993 but not adopted until 1996, and underwent a substantial revision in 2003 and modified again in 2004. Although reviews took place in 2005 and 2008, it appears the 2004 version is still in force (at the time of this report). The 1993 code was authored by the ABA but failed to include recommendations from the Martin Committee the banks did not like. The current versions similarly do not take the recommendations into account. The key organisation which oversees the application of the code is the CCMC but is thwarted by another, undisclosed organisation, the CCMCA. Their constitution severely restricts how the CCMC can enforce the code (3).
The constitution and weasel words means banks can filter and limit complaints, limiting the power of the CCMC. The banks and ABA have maintained control over compliance procedures which would require them to deal fairly with customers (4).
Martin cited the inequality of laws and courts to resolve bank disputes, all but the wealthiest could afford it. The committee expressed concern for small business redress: high costs, powerful banks, protracted proceedings, inability to continue legal action and failure to ensure adequate discovery (6).
The 2003 code redefined the meaning of a number of words and terms, allowing banks room to manoeuver to ensure they did not have to fully comply with the recommendations and spirit of the 1991 Martin review and the 2001 review by Richard Viney. The modifications to the code made in 2004 varied only slightly (7).
From 20February 2004, it appears the code was not binding when signing contracts, given the implementation of the hidden, unpublished and compulsory constitution of the CCMCA which highly restricted the CCMC from examining potential breaches of the code. This essentially nullified the Martin Committee recommendations and principles (7-8).
Post February 2004, the bankers and ABA used media statements to sell myths that the code is a contract, it protects individuals and small business, the CCMC is independent, member banks must comply with high standards, etc. The Martin Review principles were watered down in 2003 and then obliterated in February 2004 with the constitution (8-9).
The code which has evolved over more than 20 years was intended to balance the unfair asymmetry between lenders and borrowers but instead became the exclusive tool of bankers (13).
The ABA was founded in 1947, and the bankers' judgement, via the ABA, substituted for government committees, legislators, regulators and other stakeholders (15).
The powers, independence and authority of the CCMC were watered down (16).
Banks can breach most of the 250 clauses and sub-clauses in the 80 provisions in the revised or modified Codes, implying that the CCMC cannot hear, investigate and adjudicate on such breaches due to the restrictions of the CCMCA constitution (19).
S52 of the Trade Practices Act 1974 (Cth) provides that a corporation shall not, in trade and commerce, engage in conduct that is misleading or deceptive (25).
As the fortunes of the banking sector has increased after the early 1990s recession cleared, the public has seen the responsibilities of regulators transferred from the public sector to the banks themselves. The introduction and reliance on voluntary self-regulation i.e. the code, has opened the door to questionable activities by lenders (31).
The report's recommendations led to deregulation of the financial services industry, the floating of the dollar, the removal of exchange controls and permitting the entry of foreign banks. It was a seismic shift and the industry rapidly grew in the decade thereafter. There were concerns, however, that deregulation had gone too far, with the Standing Committee on Finance and Public Administration on 27 November 1991 publishing its report on banking and deregulation; the Martin Committee. It was this report that recommended the adoption of a code of banking practice (34).
While a government task force was set up to draft a new code, with input from stakeholders, it was the ABA who managed to draft the final version. This version ignored many of the Committee's recommendations (35).
The Wallis Committee of 1997 advocated that rather than relying on industry, government should comprehensively regulate to enforce the rule of law in the banking sector. Following the Wallis Committee, the government established the regulators ASIC and APRA and later the ACCC (35-36).
Joe Hockey, then the Minister for Financial Services and Regulation, responded to the Wallis Committee by creating a uniform prudential regulatory environment to balance the goals of increasing competition while preserving fairness and security of the financial system. He was strongly in favour of self-regulation, with government regulation to only enforce against severe market failure. In 1999, he created the Self-Regulation Task Force to advise government on how best the industry could regulate itself (45-46).
It was the officers of the ABA who appointed Richard Viney to conduct a review of the first code on 12 May 2000 (48).
The Campbell report of 1981 advocated a system of co-regulation, primarily of industry self-regulation and some limited government regulation to achieve desired prudential objectives (54).
The Campbell report, infamously, declared that the more efficient manner of organising economic activity is through markets. The Rae Committee Report of 1974 argued that regulators to have regard for efficiency as well as investor protection; that excessive attention on investor protection may impose undue burdens on firms, generating inefficiency (55).
Given the problems that may emerge from a system of self-regulation, the Campbell Committee advocated a system of co-regulation (56).
A government task force proceeded to draft a code with the input of many stakeholders (76).
The Martin Review a first by a modern government to develop standards of fair treatment of customers in banking (76-77).
A government committee assessed the progress of the banks in implementing the report's recommendations in 1992. It found that most of the banks' implementation of some recommendations were unsatisfactory (77).
The code was initially designed as a response to an unworkable legal regime, and as a contractual provision, was not intended to become the primary tool available to customers seeking to assert their rights. It was the code's initial diversion from the principles of the Martin report that has reduced its effectiveness as a regulatory regime. Its inception and subsequent incarnation in the 2003 update that has made it unsuitable for the protection of banking customers (87).
The 1993 code was an 11 page document that didn't reflect the 572 page Martin Report, falling short of basing itself on the report's recommendations. While a government task force drafted the code in consultation with stakeholders, the final draft was by the ABA. This advantaged the lenders over the borrowers (90).
The 1993 code opposed any increase in the monetary threshold of the ABIO (92).
The code stipulated that customers must first use the subscribing bank's IDR process, which predictably favoured the institution over the customer (93).
Although it has been already noted that the code does not properly reflect the Martin report, the report lists six key areas in which the code did deviate (94-95).
The 1993 code become fully operative in November 1996 (95).
The Wallis Committee recommended that the new ASIC should have a strong focus on preventing fraud (99).
Following Costello's establishment of ASIC and APRA, it was envisaged that these two regulators, including the RBA, would oversee the scheme of co-regulation, with the former two enforcing consumer protection and prudential regulation, and monitor compliance with the code (103).
ASIC was given the responsibility of monitoring banks' compliance with the code, which has been removed from the APSC (104).
Despite being statutorily bound to enforce codes of practice in the financial services industry, ASIC has consistently characterised the operation of codes as non-enforceable (110).
ASIC announced it stopped monitoring industry compliance as a result of the code of 2003, later clarifying its role in developing and updating codes, approving EDRs and consulting with consumer affairs stakeholders (111).
Codes are approved by ASIC, including setting standards for IDRs and EDRs, including breaches of these schemes. Unfortunately, ASIC is often unwilling to use its powers, their decision-making is opaque and consumers are provided with minimal guidance on how to use such provisions for their benefit (115).
On 12 May 2000, the ABA appointed Richard Viney to review the 1993 code (118).
Toward the end of the review process, ASIC, consumer organisations and Viney agreed there needed to be effective sanctions for code breaches and monitoring (123).
This led to the formation of the CCMC (124-125).
As the same time as the Viney review, the government task force on self-regulation advocated just that. These two paved the way for self-regulation to become the prominent form of regulation, even though it may be contrary to the recommendations made by the Martin Committee and the Wallis Inquiry (128-130).
Many years transpired after the final version of the code was authored by the ABA, whereby stakeholders thought that banking principles needed to be strengthened along with a mechanism for monitoring and dispute resolution. The industry appeared to have convinced the government and public that self-regulation was workable and the best way to proceed. Out of this came the revised 2003 Code (1 August) and modified 2004 code (131).
The CCMCA constitution was already published by 20 February 2004 (133).
The message put forth by the ABA and industry, to convince the government and public that the code is an enforceable contract, the banks would submit to independent monitoring, the CCMC may take action against rogue banks and each bank would have to submit an annual code of compliance report. This of course assume the code was an enforceable contract and the CCMC was independent – both of which was not true (134-135).
On 14 May 2004, the ABA amended the 2003 code and published their modified 2004 code. This included disclosure of fees and charges, changes to terms, fees and charges, privacy and confidentiality and complaints handling (135-136).
The banks which knew of their legal and regulatory duties under the Banking Act and APRA guidelines, still chose to go forward with promoting the modified 2004 code on the basis of high-minded principles while implementing the hidden CCMCA constitution (145).
Extraordinary: in 2004/05, the CCMC closed 10 cases with one determination, whereas the BFSO closed 3,949 classes referred by customers of subscribing banks. It is clear the banks were not happy about using the CCMC as investigate and close cases given the reputational hit upon bank CEOs and directors. Also, there were entirely arbitrary limitations imposed upon the BFSO, which suited banks, like capped damages. If code breaches revealed unlawful conduct by the CCMC, the consequences for the bank could be serious, and for individuals within the bank, ruinous for their reputation and career (164-165).
The FEMAG report was the first to uncover the CCMCA's hidden constitution (165).
The first review of the code was carried out by FEMAG in 2005 (167).
The Jan McClelland review of December 2008 found that the CCMCA constitution hinders the effective operation of the CCMC but did not place much emphasis on rectifying these issues (169).
The McClelland and Viney reports in 2008 both concluded the CCMC was performing its duties effectively, with no intractable problems, with neither report fully addressing the dubious governance practices. Both were funded by the same subscribing banks. The CCMC code dealt with the possibility of civil and criminal implications. This is clearly a worry for the banks (178).
A very good step by step guide is noted here to demonstrate how the bureaucratic mess between the banks' IDRs and CCMC is designed to ensure the complaints end up in court, sidestepping the recommendations and intentions of the Martin Committee. The banks can therefore cover up allegations of serious misconduct, undermining the intention of the code to protect all of the banks' customers (187-188).
There are slight differences between what the BFSO and the CCMC are designed to investigate in terms of disputes and breaches of the code (190).
Both the 2003 and 2004 codes were inadequate because they did not deal with the conflicts of interest. The ABA, BFSO and CCMC and CCMCA were all substantially funded by subscribing banks, including acting to appoint consumer representatives of the BFSO and CCMC. Networking between subscribing banks and ex-bankers within and between these organisations not only generates conflicts of interest, it openly signals the appearance of conflicts of interest (201).
After the CCMC was established, ASIC limits its role in enforcing self-regulated voluntary industry codes. This left the CCMC as the sole guardian of consumer protection in the financial services industry (203).
In October 2005, the CCMC commissioned FEMAG to conduct the initial review of the CCMC's activities (204).
Unbelievably, the CCMC annual report for 2004/05 demonstrates the organisation only investigated and made a determination in one case, while 18 other complaints remained open or were considered inappropriate. This is what FEMAG had to base its analysis of off; hence it was mostly a theoretical investigation of the CCMC (208-209).
The FEMAG report concluded the CCMC was performing largely according to its aspirations but potential failures could arise due to flaws in the code and the CCMCA's restrictive and opaque constitution (210).
The FEMAG was the first to make public issues with the CCMCA's unpublished constitution (212).
The FEMAG report noted the CCMCA was an unincorporated, unregistered entity, and because its constitution did not provide for a governing committee, its affairs would be governed by general meetings of members. The members would have opportunity to influence the appointment of the committee and the CCMC's activities. In effect, the committee was appointed by the CCMCA. The subscribing banks controlled the publishing of the code and promotion through the administration and funding of the ABA, the CCMC practices and guiding principles through the CCMCA, and with support of the BFSO appointed preferred committee members (215).
FEMAG noted that the CCMCA constitution prohibited the CCMC from hearing any complaint that was in or has been investigated by another forum (or was going to be heard), and a very wide definition of forum was cast. As the CCMC has next to no visibility among the public, complainants would invariably go to a 'forum' such as the FOS, thus rendering it impossible for the CCMC to even accept that case to investigate if any breach of the code had been made. It is essentially an opt-out clause which clearly detracts from the principles and recommendations made by the Martin Committee (222, 232).
The independence of the CCMC is severely undermined by the suppression of free speech. For the CCMC to issue any public statements, they require the approval of the bank parties which appointed them, the BFSO and CMCCA chairs (226).
The CCMC argued in their submission to the McClelland review that the constitution made carrying out their duties under their code unworkable (240).
CCMC independence was stunted in a number of ways. They were unable to make public statements without the approval of banks, and was funded by banks and thus subject to financial oversight powers. The latter meant that the power for the BFSO and CCMA chairs to determine funding, budget and remuneration for the CCMC (240-241).
Previously, banks were required to report code breaches to the CCMC but following opposition by the ABA in the McClelland review, the clause governing this requirement was removed. The lack of a statutory duty for banks to report their own breaches thus required the CCMC to monitor for breaches; this made their job of monitoring and investigating breaches a far more difficult logical exercise to follow (242).
There is a strong probability the banks' legal counsel and law firms knew about the CCMCA constitution and how it restricted the CCMC in carrying out the duties, and likely also support it. At the time, the constitution was not publicly available, kept from bank customers for the last six years (this report was published in 2010), there was a lack of transparency, the CCMCA was not registered, does not host a website or list its details through any public directory. In other words, the CCMCA and its restrictive constitution was never meant to be discovered by the public or bank customers (246).
The FOS replaced the BFSO and commenced operations on 1 July 2008 (263).
The CCMC annual report 2007/08 notes that for the first time, a bank has been named for serious non-compliance with the code: WBC. It took four years since the inception of the CCMC to name a bank. Are we to believe that in a thoroughly criminogenic environment, that there has only been one bank named and shamed, and in a restrictive manner, being kept to the CCMC annual report? (270).
The Jan McClelland final report advocated subsuming the CCMC into the FOS along with other recommendations to enhance the efficiency and effectiveness of both organisations but failed to mention the major problem of the CCMCA's restrictive constitution rendering the CCMC into a lame duck, even though the CCMC's submission clearly highlighted this issue. The parties that did have knowledge of the constitution predictably failed to advocate reform of it (271-275).
The 2008 Viney review, the second he had performed after the 2001 review which led to the revised 2003 code, was in command of all the submissions to the McClelland review and yet failed to deal with the substance of the serious issues the CCMC submission had raised in connection with the constitution. It was essentially a whitewash confirming the CCMC was doing a good job, when in fact, it was heavily constrained in carrying out its job (276-289).
After the McClelland and Viney reviews of 2008, two diverging perspectives emerged. On one side were the bankers, ABA, FOS and reviewers who were unconcerned about the restrictions placed upon the CCMC. On the other were former members of the CCMC who had made their concerns known but were ignored. It is easy to see which side won the bureaucratic battle (290).
During FY 2008/09, there were 6,731 new disputes lodged with FOS yet only 11 determinations carried out by the CCMC, and this was up from 9 determinations reported during the previous year (291).
The only serious content relating to rendering the CCMC an effective organisation by reforming the CCMCA's constitution were the 2005 FEMAG review and the CCMC submission to the McClelland 2008 review (305).
Australia 2019. What to expect. Recession?
The Genesis of White-Collar Criminology
Putting APRA's Stress Test to the Test.
E-Mail: lindsay.david@lfeconomics.com
© Copyright 2017 By LF Economics. | All Rights Reserved.


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    <class name="Sonata\Component\Basket\BasketInterface">
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redpajama_set_name: RedPajamaGithub


Home › Blog › What is a Content Marketing?
Union Mark Agency helps you leakage Content Marketing to achieve your business objectives. One of the agency's most important objectives is to help you get found on the Internet. In addition union mark agency can help you with many types of marketing programs such as newsletters, email campaigns, and social media. Most importantly union mark agency writes content that increases leads and sales. This content can be designed for native advertising, embedded marketing, branded content, outbound marketing, inbound marketing and other marketing methods that can build brand awareness and new business opportunity. Union mark agency provides focused well-written content for all of these marketing activities.
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Even though the primary purpose of native marketing is not to improve your site ranking, it actually does help. Your search ranking is improved when more people click on your native ad and go directly to your website. Google rankings sites by the number of visits, so by increasing the visits, you actually increase your own search ranking.
The challenge for union mark agency is to make the article interesting and relevant to the readers of the hosted publication. For example, if you sell door security devices, you could place an article in a security journal such as CSO Online that discusses door access control software with an article titled "Cloud Versus On Site License for Access Control".
The goal of providing embedded advertising is to include content elements within other articles and publications that relate to a product or service. This content blends in with the rest of the article and it is not obvious that a product is being advertised. For example, the article may describe how an IP security camera works, and embedded in the content is a manufacturer's camera provided as an example. The article may also include highlights of the product's capacity. In this way, embedded content advertising blends into the overall discussion and adds value to the article.
As an example, take a look at the article, "What is the Best Price for Your Camera System". Embedded in the article are links to product pages that describe a manufacturer's products.
Branded content is perhaps most similar to native advertising. This type of sponsored post highlights the brand name of an organization or product. It helps to build the organization's reputation, and helps direct traffic to its website. Branded content is somewhat similar in appearance to native marketing, but branded content goes further to incorporate the branded product or service within the main "story" of the article.
For example, in an article about security cameras you might focus exclusively on a single camera brand. All of the examples and hyperlinks lead readers to the website you are promoting.
Outbound marketing includes newsletters, direct email, and social media. All of these resources are provided by the union mark agency. Once you have collected email addresses of prospects and customers, you can create various outbound marketing campaigns that help generate new business.
For example, publishing a newsletter reminds people about your brand, products and services. It helps to build recognition and reminds them that you are around to help. When they click on an article, it brings them to your blog site, and increases your web traffic. This helps to increase your search position. A good salesperson can create excitement and interest when they meet a prospect, but after time goes by the prospect may totally forget the conversation. The newsletter is a gentle reminder so that when the timing is right you will be a part of the purchase decision.
Inbound marketing uses many different methods for bringing prospects to your website. Improving your native search position is one of the major goals of inbound marketing. If you can be found on the first search result page for a relevant set of keywords, you have won the marketing challenge. Blogs, whitepapers, referrals from other sites, and newsletters all help you achieve a good native search position.


text:
Q: is there a cleaner way to right operator[]() for a vector? For a vector pointer, is there a cleaner way to assign a value to an element in the vector through its pointer. For example;
vector<int> *num = new vector<int>(10,0); //gives {0,0,0,0,0,0,0,0,0,0}
 num->operator[](2) = 5; //gives {0,0,5,0,0,0,0,0,0,0}. IS HORRIBLE CODE! HELP

redpajama_set_name: RedPajamaStackExchange


text:
Q: What can be the reason to use global structure's pointer as a thread local storage typedef struct Test
{

}Test;

//global struct
Test t;

static __thread *tTLS = &t;

Can someone explain what are we trying to achieve with above code? what can be the usecases?
here we have a global structure and pointer to it is used as a TLS (thread local storage). So we anyways have a global structure address with the thread why we may need its pointer again as a TLS?
The example would help.

A: I'm guessing that the code fragment you showed is meant to set up the value of tTLS for the initial thread (the thread whose thread procedure is main), only.  In all the other threads, tTLS will be changed to point to some other struct.
You could confirm this guess by showing the code of at least one thread procedure other than main.


The former artistic director of New York's Aveda Advanced Academy, Jon Reyman, now splits his time among New York, San Francisco (as founder of Spoke & Weal salon) and Los Angeles (where he'll be opening a salon in March). The Fashion Week veteran has been featured in magazines like Vogue and Elle, and he's appeared on shows like "Project Runway" and "Good Morning America."
A typical Fashion Week includes meeting with fashion designers and his team to discuss the looks before the shows, then setting up three hours in advance of each show and trying to remain "really, really calm," generally starting at 7 a.m. and working until 9 p.m. Some designers send him detailed images of the look they want; other times, the directions will be as abstract as "a rose" or "pictures of a fjord," he says.
This season, his schedule included 26 shows in just nine days. He works with as many as 50 models and 35 hairdressers. His first show was Ann Yee, where he had 12 models, 10 hairdressers and one big ice storm. "The designers are my clients, so it's my job to make them happy," he says.
He also tries to keep himself and his team happy along the way. "Although I appreciate the drama in fashion, I come very well prepared, so I limit as much chaos as I can.
"There are just so many variables."


If I am not using my mushrooms super fresh I prefer to preserve them. One of my favourite ways is pickling them in apple cider vinegar.
Simply clean your mushrooms and put them in a sterilised jar. If you want to keep them down in the vinegar solution you can use a layer of apple slices. This works great if you dont have enough mushrooms for the jar.
I also added black peppercorns and a few cloves of garlic. Slices of chili would also go a treat.
I had these set aside for two and a half months and they are amazing. They have a subtle nutty apple flavour with a bit of a zing and soft texture.


Clive has been involved with the association for the past 34 years, when he was employed by Wilson and Mansfield.
He was elected as chairman of the BFJA in 1982, having served on the executive committee for just one year. Clive was the youngest chairman ever to be appointed to the BFJA. Clive remained chairman for a decade and then remained on the committee. Having started his own business in 1988, Clive Webster Ltd, it had proved to be a great success!
Clive remained a committed BFJA member until 2005 where he decided to step back up to a leadership role and act as the executive secretary and treasurer of the BFJA.
Clive has served the association with aplomb and will be much missed.


The Samaritan Cookbook is a culinary odyssey from the ancient Middle East to the modern Levant. A project by the One Semitistan collective, we are building an edible cultural bridge uniting diverse traditions. We celebrate the common foods eaten by different types of people, featuring Samaritan history as a unique phenomenon at the intersection of the Israeli and Palestinian experiences, as well as the Hebrew and Arabic spheres.
What follows is an introduction – the book's creators are hoping to find a publisher and expand the book to 100 dishes.
Please Contact us with suggestions.
The book's content appeals to five main groups: Mediterranean food lovers looking for healthy, tasty cuisine; the co-existence crowd interested in ways to bring Middle Eastern communities together; Jewish people fascinated by a distinct Israeli heritage; Christians hoping to connect with a Biblically important legacy; and aficionados who enjoy studying this one-of-a-kind ethnolinguistic sect.
The delicious dishes are grouped into starters, soups, mains, desserts, and drinks. Each recipe is combined with directions, commentary, and photography in a visually appealing spread. Many have some broader cultural reference with anecdotes from the samaritan cook who originally put the instructions on paper. Sometimes this might revolve around a holiday celebration, and contextual descriptions explain the background of the items. The style of the Samaritan Cookbook fuses old and new, giving a modern feel to 3000 year-old motifs.
The team behind the Samaritan Cookbook is New York-based. Editors Ben Piven and Avishay Zelmanovich envisioned this effort as a way to produce a contemporary take on the original 2010 cookbook put together by Holon, Israel-based Benyamim Tsedaka, a Samaritan jack-of-all-trades who serves as their chief academician. The community itself is spilt between that southern suburb of Tel Avivi and the town of Kiryat Luza, just outside the Palestinian city of Nablus on the slopes of Mount Gerizim in the West Bank.
We Israelite Samaritans have a unique experience through a long, tumultuous past spanning thousands of years. We still carry out the same annual festivals, and visits to holy places during days of happiness and days of mourning. Our days of flourishing and good fortune, as well as days of withering, all in the Land of Israel, give us continued hope that we will last forever.
One of the most important parts of Samaritan identity is the special cuisine delivered by our ancient forefathers – from the days when the menu and ingredients were quite sparse, to the days that it became enriched with hundreds of different kinds of spices and dishes. From this extensive kitchen, we have selected 72 of the best dishes, all of them an expression of over 3000 years of Israelite history. These dishes are influenced by this narrow strip of land in the Levant that connects the cultures of Africa, Asia and Europe – with a special Samaritan touch.


We are a leading private investigation team. If you require a private investigator in Gordon call us now.
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We understand how difficult it is to deal with the unpleasant sensation that your partner may be seeing somebody else in secret. That's why we've devoted ourselves to providing just the best private investigation services in Gordon. With our network of 150 expert private detectives based all over the country, we have the coverage you require to track your partner down wherever she or he may be.
We don't spread ourselves too thin by using our services for every single specific niche. Rather, we focus heavily on mastering techniques and strategies for busting only cheating partners, even the sneakiest of them. Our private investigators have been specially trained in the most efficient private monitoring methods, therefore guaranteeing that they'll capture unfaithful partners no matter what.
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You are here: Home / Sexual Health Q&A / How might uterine fibroids affect a woman's sex life?
How might uterine fibroids affect a woman's sex life?
Uterine fibroids can make sex, especially penetrative sex, extremely painful.
In a January 2014 study published in The Journal of Sexual Medicine, a group of American scientists reported that fibroids were significantly associated with "deep dyspareunia." Dyspareunia refers to painful intercourse. Deep dyspareunia is pain
deep in the vagina, as opposed to the entrance.
The 827 women in the study group ranged in age from 35 to 49. Sixty-three percent of them had fibroids. Among the women with fibroids, about 22% said they had experienced deep dyspareunia during the previous year.
The research team reported the following:
Women whose fibroids were located in the upper portion of the uterus were more likely to have deep dyspareunia.
Depressed women were twice as likely to have deep dyspareunia than those without a history of depression.
Deep dyspareunia was more common in women who had delivered babies. For each delivery, the odds of deep dyspareunia increased 30%.
It was also more common in younger premenopausal women.
Women who had other pelvic problems, such as endometriosis, were almost three times more likely to have deep dyspareunia when compared to those who did not have pelvic issues.
The study did not show that fibroids caused deep dyspareunia. It just showed a connection between the two conditions.
The pain can affect other aspects of a woman's sex life, too. For example, she may find herself less interested in sex, knowing that it will hurt.
Women who have painful sex are encouraged to speak to their doctor. While the cause could be uterine fibroids, there can be many other factors involved.
Next question: What should women know about sex and urinary tract infections (UTIs)?
Previous question: What are uterine fibroids?


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Килкени (, Каунти Килкени; ) е едно от 26-те графства на Ирландия. Намира се в провинция Ленстър. Граничи с графствата Карлоу, Уексфорд, Лийш, Уотърфорд и Типърари. Има площ 2061 km². Население 87 394 жители към 2006 г. Главен град на графството е Килкени. Градовете в графството са Балирагет, Грейгнамана, Калан, Касълкоумър, Килкени (най-голям по население), Мълинават, Томастаун и Ърлингфорд.

Графства в Ирландия

redpajama_set_name: RedPajamaWikipedia


Real results for Direct to Consumers! Omni-Channel Solutions that WORK!
Digital Plus coordinates our latest email marketing initiatives with digital display re-targeting, email re-targeting and Facebook re-targeting, delivering more impressions and increasing your ROI.
Our Digital Plus program allows our clients to utilize a coordinated marketing approach to deliver impressions across multiple channels. We actively engage the consumers who have shown a marketable interest in your product or services based on their activity from opening the email to clicking on the email. These consumers have demonstrated a greater interest in prospect marketing than just targeting a broad demographic with no engagement follow up.
By delivering the maximum amount of impressions you not only create a brand recognition with the consumer, your multiple impressions engage the consumer and gives them the opportunity to directly interact with your brand, without increasing your ad spends. Clients have reported up to a 30% increase in response rates and ROI.
We run email campaigns to identify consumers with a marketable interest in our clients product or services. The marketable interest is identified by two actions by the consumer; opening and clicking the creative. Most campaigns deliver between a 12% and 15% open rate, while generating a click thru rate of roughly 1-2%. On a campaign of 100K emails, with a 15% open rate and a 1% click through rate, an advertiser can expect to receive 20,000 display ads targeted to consumers who click and approximately 10,000 Facebook impressions. A Digital Plus campaign costs approximately 5% more than straight email campaigns alone; however, clients report increases in response rates by up to 30%!
Direct mail is still the most effective direct to consumer marketing method; however, with ever rising printing and postage rates, direct mail is very costly. To reduce direct mail costs by up to 90%, ADS utilizes the matching email address with every postal record. We allow the email to drive the direct mail list by focusing the direct mail campaign solely on the consumers who show a marketable interest in the email, the openers and the clickers. We then coordinate our digital display and Facebook re-targeting with the postal deployment.
For example, a direct mail campaign targeting 100K consumers with and average cost for data, printing and postage of 45 cents will cost the advertiser $45,000. By running the email campaign first and identifying the audience with a marketable interest, the direct mail list is now approximately 15,000 records. At 45 cents a record, the data, printing and postage cost comes too $6,750, add in the email cost with the re-targeting included at $6,000, the total cost for the campaign targeting engaged consumers is $12,750, a savings of $32,250!
Every campaign is different, but we have received feed back from our clients with increases in response rates up to 30% consistently across a diverse number of clients. From CPG to Auto our clients report better than average response rates.
Digital plus will not interfere with your existing buying strategies. Our campaign is re-targeting consumers who engage with your brand, we are not buying keywords or targeting a specific geography. Our efforts are in response to consumers engagement with your advertising. Digital Plus will not interfere with any Ad Words buying or Facebook.
Digital Display re-targeting will begin as soon as 6 hours after the first email lands. Facebook retargeting begins after 48 hours. The majority of the openers emails are uploaded to Facebook, we match at 60-70%, and then begin re-targeting.


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Home Lifestyle Health & Fitness New funding for local hospitals announced
Politics/Provincial
New funding for local hospitals announced
MPP Bill Walker
Ontario is investing in the health and safety of patients as it addresses urgent upgrades, repairs and maintenance to help modernize 131 hospitals across the province.
Today, Bruce-Grey-Owen Sound MPP Bill Walker visited local hospitals in Hanover, Durham and Owen Sound to announce that they are receiving a combined $4,840,161 in funding to maintain their infrastructure and ensure a safe and comfortable environment for patients to receive care. This is part of the government's investment of $175 million this year through the Health Infrastructure Renewal Fund (HIRF) to support hospitals across Ontario.
"These investments will help ensure that patients at our hospitals in Bruce-Grey-Owen Sound can receive the care they need in a safe and comfortable setting," said Walker. "Seemingly small things like well-functioning roofs, windows or heating and air conditioning systems, fire alarms and back-up generators can make the world of difference to a patient's experience. This funding will help ensure that hospitals across Ontario are able to make the needed upgrades and improvements, so patients and families have access to the reliable, quality care they expect and deserve."
Hanover and District Hospital is receiving $184,581, Grey Bruce Health Services (with hospitals in Lion's Head, Markdale, Meaford, Owen Sound, Southampton and Wiarton) is receiving $2,831,982 and South Bruce Grey Health Centre (with hospitals in Chesley, Durham, Kincardine and Walkerton) is receiving $1,823,598.
Hanover and District Hospital presentation. From left: Executive Manager of Human Resources and Physician Recruitment Eric McCallum, V-P Patient Services and Chief Nursing Officer Michelle Scime-Summers, President and CEO Dana Howes, Bruce-Grey-Owen Sound MPP Bill Walker. V-P Finance and Operations Kim Mighton and Hospital Board Chair Lorna Eadie-Hocking
South Bruce Grey Health Centre presentation. From left: CFO Drew Braithwaite, President and CEO Michael Barrett, Bruce-Grey-Owen Sound MPP Bill Walker and Hospital Board member John Haggarty
Grey Bruce Health Services presentation. From left: CEO Gary Sims, Bruce-Grey-Owen Sound MPP Bill Walker and Director of Facilities Management Neil Havens
"Ontario has a plan to build a connected and sustainable public health care system centred around the needs of patients, including investing $27 billion over 10 years in hospital infrastructure projects," said Walker. "Maintaining hospital infrastructure is one more example of how we are working towards ensuring that Ontarians have the health care services they can depend on while building the capacity we need to end hallway health care."
"This is the second consecutive year that SBGHC has received a significant capital investment from the Government of Ontario to ensure the infrastructure of our hospital sites can continue to meet the needs of the patients we serve," says Michael Barrett, SBGHC President and CEO. "SBGHC intends to use this funding on various projects at all four of our sites, with the largest project being the installation of a sprinkler system at our Durham site to meet the requirement for all hospitals to have full sprinkler systems by 2025."
"Most people who come into the hospital will never see the boilers, the new roofs, the sprinkler system or the security systems, but these are critical items that allow our healthcare system to function safely," said Gary Sims, President and CEO of Grey Bruce Health Services. "We could not deliver quality patient care without this dedicated fund for infrastructure renewal from the provincial government, and we are very grateful for this support."
"We would like to thank the provincial government for the Health Infrastructure Renewal funding. This funding is integral to the maintenance of our hospital in order to provide high-quality care for our patients," said Hanover and District Hospital President and CEO Dana Howes.
"Healthcare impacts everyone and is always a priority. I am pleased our government continues to work toward bringing Ontario's world class health care system into the 21st century, this funding will help hospitals to address urgent issues," said Walker.
Ontario is investing $175 million in repairs and upgrades to 131 hospitals this year through the Health Infrastructure Renewal Fund and, in addition, is investing $7.2 million to address ongoing urgent and/or emergent infrastructure renewal needs for community health service providers who met specific criteria on a priority basis, through the Community Infrastructure Renewal Fund.
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Dossofiorito Design Studio carries out in an empiric way its researches on forms and materials, aiming to combine in their projects a wide contextual research with an innovative use of craft. The work of Livia and Gianluca spans from self initiated collections of objects to commissions from institutions, companies and private customers; from site specific installations to the ideation and conduction of children workshops. Although varied, many of Dossofiorito's projects share a performative character and an attitude to stimulate deeper considerations trespassing the physicality of the objects and their immediate fruition.


Decorative and standard concrete borders provide a durable and aesthetically pleasing custom landscape edging. Colored or plain concrete is extruded and troweled in place to highlight or emphasize a walkway, flower garden or any other landscaping area.
Various colors, stamps and textures are added for the look and feel of brick or stone.
Lawn mower wheel can be run down curb, eliminating edging.
Provides an attractive border for plants, flower beds, grass, property lines etc.
1) Made of reinforced CONCRETE, more durable and economical than traditional garden edging.
2) Effective root and weed barrier.
3) Will not rust, rot or break like other edging.
5) Design and color flexibility.
6) Existing landscape not disturbed.
7) Professional/clean appearance adds value to your property.
Beautify your yard with stamped concrete borders. Authentic brick patterns and stone textures. Replace your old black plastic or rotting wood borders. Won't buckle, shift or rot. Many styles and colors for residential and commercial applications.
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