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This week we welcomed 10 members and 1 visiting Rotarian and guest speaker, Brian Kerr, from the West Van Rotary Sunrise club.
* On November 14th we will be hosting District Governor Darcy Long, make sure you attend that day!
Alfredo told us about the memory cafes for Alzheimer's patients and their care givers.
Today was our guest speaker was Brian Kerr, who spoke about Rememberance day and the crucial role that Canadian soldiers have played in armed conflicts, starting with the first world war.


Martin Eakes speaks in high-minded tones when he condemns payday lending. But his decades-long vendetta against the industry, subsidized by taxpayers and taking place within federal regulatory agencies themselves, could drive more business to financial institutions that Eakes runs.
Since 1980, when Eakes founded the Center for Community Self-Help (CCSH) in Durham, N.C., he has worked to push the American financial system toward a model he considers fairer and more transparent.
His critics see different motives at play. With the help of like-minded activists and bureaucrats, Eakes has enlisted some of the country's most powerful financial regulators in a political effort to shut down legitimate lenders that compete with Eakes' own businesses.
Chief among those businesses is the Self-Help Credit Union. A division of the CCSH, the credit union offers small-dollar loans and other financial products that compete with payday lenders. Studies show the products offered by Eakes' companies benefit when payday lenders are restricted by legislation or regulation.
Eakes, a left-wing housing policy leader who before the 2008 financial crisis described Self-Help as "one of the earliest subprime [mortgage] lenders in the nation," has used his seat on a federal advisory panel with influence over top financial regulators to push additional restrictions on payday lenders.
His network of businesses and advocacy groups—which has cumulatively received more than $380 million in federal grants, loans, and other taxpayer assistance since 1996—has spent millions lobbying the federal government on measures including additional regulations on those lenders. The groups frequently tout their public policy work in official publications and communications.
Eakes is one of at least nine individuals who have passed through a revolving door between the Self-Help network and positions at federal agencies that regulate financial firms with which his credit union competes.
Eakes himself has simultaneously served as the chief executive of the credit union and an affiliated interest group, the Center for Responsible Lending (CRL), and an influential advisory post at the Federal Deposit Insurance Corporation, which has recently played a major role in combating the payday lending industry.
The FDIC's efforts are part of a larger initiative involving the Department of Justice and the Consumer Financial Protection Bureau called Operation Choke Point. The effort seeks to eliminate the ability of businesses that federal regulators deem distasteful, exploitative, or dangerous to obtain financing from major American banks.
According to the payday lending industry, Operation Choke Point regulators have pressured banks to discontinue services to payday lenders that operate entirely within the law.
Critics of the program say it is designed to shut down legitimate businesses that the Obama administration opposes on ideological grounds by pressuring banks to stop lending to the classes of businesses it singles out as allegedly destructive or illegitimate.
In addition to payday lenders, businesses targeted by Operation Choke Point include gun stores, pornographers, rare coin dealers, tobacco companies, and dating websites.
According to the House Oversight and Government Reform Committee, which began investigating the operation in 2013, "internal [DOJ] memoranda on Operation Choke Point clearly demonstrate that the Department's primary target is the short-term lending industry—an indisputably lawful financial service."
DOJ and other agencies involved in the effort insist that the operation is merely an effort to advise financial institutions on the advisability of lending to what the department calls "high-risk" businesses. The FDIC says it is ensuring that banks that receive federal deposit insurance are not knowingly lending to businesses engaged in legally questionable activities.
However, former FDIC chairman William Isaac has called the operation "one of the most dangerous programs I have experienced in my 45 years of service as a bank regulator, bank attorney and consultant, and bank board member."
"Operating without legal authority and guided by a political agenda, unelected officials at the DOJ are discouraging banks from providing basic banking services—deposit accounts, payments processing services, and payroll accounts—to lawful businesses simply because they don't like them," Isaac wrote in a November Wall Street Journal column.
The Oversight Committee echoed that warning in a December report, saying that the program has "den[ied] countless legal and legitimate merchants access to the financial system and deprive them of their very ability to exist. Accordingly, Operation Choke Point violates the most fundamental principles of the rule of law and accountable, transparent government."
Its initial investigation explored DOJ's role in the operation. The December report looked at the role the FDIC played. "Operation Choke Point is an abuse of the [FDIC's] statutory authority," the committee concluded.
As the FDIC took on a larger role in Operation Choke Point, high-level agency officials, including its chairman, received regular briefings from Eakes and Wade Henderson, a CRL board member.
Both sit on the FDIC's Advisory Committee on Economic Inclusion. In that capacity, they have recommended to agency leadership regulatory steps to crack down on the payday lending industry.
Eakes has used his position to that end since at least 2007, according to the minutes of the advisory committee's meetings. In March of that year, FDIC regulators presented to the board a pilot project "to expand the availability of reasonably-priced small-dollar loans."
Self-Help provides just those types of loans. Its Credit Builder Loans program offers up to $3,000 in financing with payment terms between six and 24 months. Its WealthBuilder Loans provide $500 to $10,000 in financing repayable in one-to-four-year terms.
When the FDIC floated the pilot program, Eakes said it could be used as a means to eliminate the competition.
Eakes "suggested that the most valuable outcome of the pilot project might be to convince policymakers that there is an alternative to payday loans, thereby making it more palatable to prohibit payday loans," according to minutes of the meeting.
Seven years later, Eakes was still using his position on the advisory panel to push for regulators to crack down on payday lenders. "The actual cost of a payday loan ends up being greater than the anticipated benefits in almost every case, indicating that this model presents serious dangers to consumers," he claimed during an April 2014 meeting.
Despite such claims, payday lending remains extremely popular with the consumers who use such products.
A 2007 survey found that 87 percent of payday borrowers were "very" or "somewhat" satisfied with the service. Just 10 percent were "very" or "somewhat" dissatisfied. A 2013 survey commissioned by the payday lending industry found similar levels of satisfaction with the financial products offered.
Part of the reason for those high levels of satisfaction may be due to the simplicity of a standard payday loan.
"Payday loans are very simple and very transparent loans with a small number of terms, especially when compared to especially complex products such as mortgages or credit cards," according to George Mason University law professor Todd Zywicki.
Additionally, payday loans—which frequently cover unforeseen emergencies such as home or auto repairs—are often a less expensive alternative to other forms of short-term financing.
"Those who use payday loans have limited alternative sources of credit, such as pawn shops, bank overdraft protection, credit card cash advances (where available), and informal lenders," Zywicki explained in a 2009 paper. "Although expensive, payday loans are less expensive than available alternatives."
In addition to its short-term financing options, Self-Help offers some of the more popular alternatives to payday lending, including debit account overdraft protection and credit card cash advances.
Frequently those services are in effect more expensive than the payday loans they replace. One FDIC study estimated the de facto APR of a typical overdraft purchase to be between 1,067 percent and 3,520 percent.
Whether or not Self-Help's products specifically are more expensive than the average terms of payday loans, they do provide alternatives to those loans, and hence compete with them for customers looking for short-term financing.
Regulatory and legislative efforts to restrict payday lending have redounded to the benefit of financial institutions that offer the same types of products as Self-Help, studies show.
A law in Oregon that capped short-term interest rates "reduced access to payday loans in Oregon, and … former payday borrowers responded by shifting into incomplete and plausibly inferior substitutes," one study found. "Most substitution seems to occur through checking account overdrafts of various types and/or late bills."
States that banned payday lending outright, such as Eakes' home state of North Carolina, saw similar results.
Henderson told the Senate Banking Committee in July 2001 that Eakes had "craft[ed] a comprehensive legislative package in North Carolina" to crack down on payday lending. A month later, the state banned the practice.
A 2007 Federal Reserve Bank of New York study on North Carolina's move, and a similar crackdown in Georgia, found that banning payday lenders led to more bounced checks and bankruptcy filings. Additionally, the laws drove more borrowers to credit unions that would otherwise have gone to payday lenders.
The study's findings, its author wrote, suggested "that payday credit is preferable to substitutes such as the bounced-check 'protection' sold by credit unions and banks or loans from pawnshops."
Federal regulations that crack down on the industry would likely have a similar impact. Eakes' critics say that that fact demonstrates an inescapable conflict of interest in his work at FDIC to tighten regulations on—or completely do away with—payday lending.
"This isn't supposed to happen in America," said Phil Kerpen, president of the conservative group American Commitment. Kerpen has criticized Eakes and Herb Sandler, his CRL cofounder and a high-dollar Democratic donor, for pushing housing policies that encouraged subprime mortgage lending leading up to the 2008 financial crisis.
Eakes "is apparently using his close relationship with the Obama administration to choke off banking services from companies whose only crime is being his competitors," Kerpen said.
In addition to Eakes and Henderson, Mark Pearce, the former president of the Center for Responsible Lending, has used his current post as the director of FDIC's Division of Depositor and Consumer Protection to push stringent restrictions on payday lending, according to emails obtained by the Oversight Committee.
As Operation Choke Point kicked into gear at FDIC, emails showed, Pearce and his division pushed Chairman Martin Gruenberg to more actively target payday lenders.
"The Chairman is meeting with some bankers next week, and DCP wants to give the Chairman some 'talking points' as to how banks facilitate payday lending and why the FDIC is concerned," wrote FDIC senior counsel Marguerite Sagatelian in a March 8, 2013, email.
Prior emails suggest that those talking points, and other FDIC efforts concerning payday lending, were designed to restrict the industry—or eliminate it altogether.
Another Sagatelian email noted that Pearce was exploring ways for FDIC to "get at payday lending." In another, she refers to Pearce's "interest in trying to find a way to stop our banks from facilitating payday lending."
One email shows director of FDIC's Atlanta Region told Pearce that the agency was working on "getting the banks out of" working with payday lenders. "Glad we're on the same page," Pearce replied.
Some DCP employees warned Pearce that his division's ideological opposition to payday lending had empowered FDIC bank examiners who often exceeded their regulatory authority in pushing banks to cease doing business with those lenders. Such tactics invited congressional scrutiny, they warned.
"I may have to confront the issue of overzealous examiners (immoral issue). I would do so by making clear that it is not fdic [sic] policy to pass moral judgment on specific products," one of Pearce's deputies told him in an email obtained by the Oversight Committee.
"Some of the pushback from the Hill is that it is not up to the FDIC decide what is moral and immoral, but rather what type of lending is legal," an FDIC spokesman told Pearce in another email.
FDIC regulators nevertheless succeeded in convincing banks to sever business ties with legally operated payday lenders. A lawsuit filed against the FDIC by the Consumer Financial Services Association, the industry's trade group, notes nine of its member companies suffered financially as a direct result of pressure put on banks by Operation Choke Point regulators, including those in Pearce's division.
The DCP was created in 2010 in part to "complement the activities of the new Consumer Financial Protection Bureau," according to the department. Since FDIC has come under fire for its role in Operation Choke Point, CFPB has taken a larger role in targeting payday lenders.
As it has assumed that role, agency brass has routinely met with Eakes and other CRL and Self-Help executives, CFPB meeting logs show.
Eakes' access to the bureau's top regulators began even before CFPB was officially formed. In March 2011, he spoke with Elizabeth Warren, who would become a special adviser to the bureau and its de facto leader before she was elected to the U.S. Senate.
Since then, CFPB director Richard Cordray has held 10 meetings with CRL and Self-Help employees, including three with Eakes. Eakes has also met with CFPB's current and former deputy director.
As bureau regulators solicited guidance from CRL and Self-Help employees, they were devising regulations on the payday lending industry. Cordray held a field hearing on the issue on March 25, two weeks after one of his meetings with CRL staff.
Cordray and his agency are now working on rules designed to more stringently regulate the payday lending industry. They are expected to consider borrowers' "ability to repay" in assessing the legality of payday loans, a metric that Eakes actively promoted in his FDIC advisory role.
Like FDIC, which also employs former Self-Help associate general counsel CRL senior counsel Keith Ernst and CRL litigation counsel Seth Rosebrock, CFPB has significant staff overlap with Eakes' network of financial institutions and interest groups.
Cordray's field hearing came shortly after Leslie Parrish, the program manager for CFPB's work on payday and small-dollar loans, left to be the deputy research director for CRL.
Bill Bynum helped create the Self-Help Credit Union and served as its associate director before founding the Hope Credit Union in Jackson, Miss. Bynum now chairs CFPB's Consumer Advisory Board, where he has made policy recommendations explicitly designed to drive more business to credit unions.
"How can people access the credit they need without payday loans? Credit unions can serve this need, as long as they have the capital and motivation to reach out to un- or under-banked people," he told advisory committee members in a February 2013 presentation.
At the time, Bynum's co-chair on the advisory committee was Jose Quiñonez, CRL's former California Outreach Director.
As Operation Choke Point kicked into gear, CRL hailed efforts by FDIC, CFPB, and DOJ to more tightly regulate payday lenders.
"Taken together, these actions reflect a broader movement to end abusive debt-trap payday loans, and affirm that state and federal regulators have the tools to address this type of predatory lending," CRL said in a press release.
However, that effort is likely to face additional scrutiny this year as Republicans assume the majority in the Senate and increase their control over the House of Representatives.
Rep. Blaine Luetkemeyer (R., Mo.), who has introduced legislation to counter Operation Choke Point, has praised efforts at DOJ and FDIC to review efforts to cut off financing for legally operated businesses. But he recently suggested that Congress would continue to monitor the program.
Internal reviews, he said, are "a great first step in ensuring that those responsible for Operation Choke Point are held accountable and that Congress and the American people receive details and answers they deserve."


text:
require 'yaml'
require 's3sync/exceptions'

module S3Sync

  class Config < Hash

    REQUIRED_VARS = [:AWS_ACCESS_KEY_ID, :AWS_SECRET_ACCESS_KEY]

    CONFIG_PATHS = ["#{ENV['S3SYNC_PATH']}", "#{ENV['HOME']}/.s3sync.yml", "/etc/s3sync.yml"]

    def read_from_file
      paths_checked = []

      CONFIG_PATHS.each do |path|

        # Filtering some garbage
        next if path.nil? or path.strip.empty?

        # Feeding the user feedback in case of failure
        paths_checked << path

        # Time for the dirty work, let's parse the config file and feed our
        # internal hash
        if File.exists? path
          config = YAML.load_file path
          config.each_pair do |key, value|
            self[key.upcase.to_s] = value
          end
          return
        end
      end

      return paths_checked
    end

    def read_from_env
      REQUIRED_VARS.each do |v|
        self[v.to_s] = ENV[v.to_s] unless ENV[v.to_s].nil?
      end
    end

    def read
      # Reading from file and then trying from env
      paths_checked = read_from_file
      read_from_env

      # Update the environment with the latest values
      ENV.update(self.to_hash)

      # Checking which variables we have
      not_found = []

      # Cleaning possibly empty env var from CONFIG_PATH
      paths = (paths_checked || CONFIG_PATHS).select {|e| !e.empty?}
      raise NoConfigFound.new(not_found, paths) if not_found.count > 0
    end
  end
end

redpajama_set_name: RedPajamaGithub


Dr Ilke Inceoglu, Associate Dean (Research) in the Faculty of Arts and Social Science, has spent much of her career studying the psychology of the workplace. She concludes that gender is marginal as a factor in measuring workplace success. Surrey's Christine Rivers, agrees, saying Surrey's own MBA programme demonstrates this very clearly.
Dr Inceoglu's own career has spanned a two-year stint as research assistant at the Max-Planck Institute of Psychiatry in Munich, a period as a post-doctoral researcher at Aston Business School, and nine years in industrial R&D, working for a psychometrics HR consultancy. She joined the Business School at the University as Senior Lecturer in Organisational Behaviour & Human Resource Management in 2013, and was appointed Associate Dean (Research) in May 2014.
Throughout Dr Inceoglu's career, she has pursued what interests her, which has led her to research the psychology of work and organisations. She became interested in psychology having written a dissertation on Kant's work during her undergraduate degree in Philosophy at St Andrew's University, and went on to take an MPhil in Psychology at the University of Glasgow.
The seeds of her fascination with workplace psychology were then sown when she worked in clinical psychology and saw how the structures in which practitioners worked affected the service they delivered to patients.
"I don't feel that being a woman has held me back in my career, however it is a fact that representation of women in very senior positions is still considerably lower than that of men, both in the private and public sector", says Dr Inceoglu.
"The one time I worked in a very male-dominated environment – conducting a project with BMW in Munich for five months – I stuck out a bit because I was a female psychologist working with all these male engineers. However the working environment was fine. In the end, you are judged by performance and merit.
"In business today there is generally a good mix of men and women although it still thins out at the top. The recruitment pool for leadership roles is one barrier: women aren't necessarily putting themselves forward for certain roles.
Dr Christine Rivers agrees that it is the potential of the individual that is the core measure of success, regardless of gender.
"Developing leadership skills and the confidence to work with and manage a diverse group of people is critical to success and something that is ingrained in the values of our MBA programme. There is often a perception that MBA programmes are male-dominated but this is certainly not the case here at Surrey.
"Through our 'Women in Business' scholarship programme we actively encourage applications from female candidates who can demonstrate their contribution to business and evidence a drive to support other female candidates in future.
"As a result, on our full-time programme this year we have a 46% to 54% male to female profile with students from 16 different countries. Our part-time Executive MBA programme has a 60:40 male to female ratio with students from 11 different countries.


text:
Q: How can I make a command that can only be triggered once? I've made a command that the bot will ask some questions and once you are done answering it the bot will message your answers to a channel..
My problem is that you can trigger the command over and over. Is there a way to make it run only once by a user and can be run again by that user once all of the question is asked?
@commands.command(name='test')
@cooldown(1, 60)
async def test(self, ctx):
    if not ctx.guild:
        return
    test = []
    q1 = ['test', 'test']
    channel = self.client.get_channel(733649176373755945)
    dm = await ctx.author.create_dm()

    def check(author):
        def inner_check(message):
            if message.author != author:
                return False
            try:
                str(message.content)
                return True
            except ValueError:
                return False

        return inner_check

    for question in q1:
        await dm.send(question)
        msg = await self.client.wait_for('message', check=check(ctx.author))
        test.append(msg.content)

    answers = "\n".join(f'{a}. {b}' for a, b in enumerate(test, 1))
    submit = f'\n{answers}'
    await channel.send(submit)

A: Here's my version of your code, which does what you want.  I use self.test.reset_cooldown(ctx) to reset the cooldown:
from discord.ext import commands
from discord_util import message_check

class MyCog(commands.Cog):
    def __init__(self, bot):
        self.bot = bot
    @commands.command()
    @commands.cooldown(1, 100, commands.BucketType.user)
    @commands.dm_only()
    async def test(self, ctx):
        answers = []
        questions = ["test1", "test2"]
        for question in questions:
            dm = await ctx.author.send(question)
            msg = await self.bot.wait_for('message', check=message_check(channel=dm.channel, author=ctx.author))
            answers.append(msg.content)
        answer_str = "\n".join(f'{a}. {b}' for a, b in enumerate(answers, 1))
        await ctx.send(f"\n{answer_str}")
        self.test.reset_cooldown(ctx)

You can find my message_check code here

redpajama_set_name: RedPajamaStackExchange


The thesis explores literature on creativity research through separate dialogues with two artists. It links together theories on creativity with experiences from within a creative profession through the participation of a musician and a painter. The background research consists of scientific publications singled out with potential parallels with participant's everyday life in mind. The intention is to deepen the understanding of creativity as a phenomenon through the discussions as support for the writer's future profession of art education.
The overview of the literature on creativity is carried out with possible relevance for the dialogues and participants in mind. The dialogue is used as a tool for a deepened understanding of the topics. The participants share their experiences on creative processes and receive information on creativity research. The dialogue as a method is chosen to enable a flow of thoughts that a structured interview might not permit. The quoted dialogues are present within the paper as cut-out side stories with highlighted parts of interesting thoughts. The discussions were carried out in Finnish and English.
The thesis consists of seven main chapters. The first chapter introduces the intentions of the thesis, the participants of the dialogues, and makes the distinction between everyday creativity and innovation. The second chapter locates creativity within the domain, the field and the person, and explores the interaction of these. The third chapter traces back interest in a domain through a childhood experience and explores the characteristics of a creative mind. The fourth chapter dives into different ways of problem solving. In the fifth chapter the process from an idea to the final evaluation of a finished work is presented. The sixth chapter illuminates two areas of positive psychology: intrinsic motivation and the flow-experience. The seventh and final chapter summarises the chosen parts of creativity research, reflects upon the relevance of the knowledge for the writer as a teacher and evaluates the dialogue as a method.
Several interesting approaches to creativity research have been rejected due to the abstract nature and the inability to tie them to the dialogue. The dialogue has been an effective tool but not without difficulties. Exceptions were made in order to cover all of the desired information.
The approach broadened the understanding of the complex topic. It illuminated the creativity research and offered a window into the mind of the participants. The creativity research became approachable and received a position in reality. The deepened knowledge on the subject became a tool for teaching and positioned art education within creativity as a wider phenomenon.


6 Players from our 2018 will be on NCAA D1 rosters in 2018/2019!
Chris Caliguirian, a WA '18 Alum, received the heartfelt news he was being placed on scholarship at Towson!
Our 8 Visit Dates Are Posted! Apply Today!
Washington Academy staff has coached and mentored over 60 players that have played at the D1 level and over 100 that have gone on to play college basketball at other levels. We provide the platform for players to earn a basketball scholarship with guidance from our rigorous developmental program.
The mission of Washington Academy is to assist the student-athlete in reaching their goals as well as helping them grow mentally and spiritually. Our faith-based program is designed to prepare young men to reach their full potential in all walks of life.
Washington Academy is a faith-based organization operated in Greenville, N.C.
The boarding program is a wonderful opportunity for students to prepare for the increased independence and responsibility of college academics and to share their own unique background and experiences with others. for the increased independence and responsibility of college academics and to share their own unique background and experiences others. for the increased independence and responsibility of college academics and to share their own unique background and experiences with others.
Boarding students reside in an apartment building with faculty house parents. They follow the same daily program of study as day students, with the added dimension of intercultural interactions and dialogues to enhance the Washington Academy experience. Each person will have one to two roommates in a comfortable sized bedroom.
Copyright © 2019 Washington Academy.


text:
La Comisión fronteriza de Irlanda fue establecida en el Tratado Anglo-Irlandés de 1921. Su propósito era decidir de manera precisa la frontera entre el Estado Libre Irlandés, que se había secesionado del Reino Unido de Gran Bretaña e Irlanda, e Irlanda del Norte, que era parte del nuevo Reino Unido de Gran Bretaña e Irlanda del Norte.

Los nacionalistas irlandeses esperaban una gran transferencia de territorios de Irlanda del Norte al nuevo Estado Libre, sobre todo de aquellos territorios cercanos a la frontera, de mayoría nacionalista. Esta esperanza era considerada peligrosa por los norirlandeses, que intentaron entorpecer el trabajo de la comisión. Ante la disparidad de objetivos, el gobierno británico nombró a un tercer representante, favorable a sus intereses.

La recomendación final de la comisión fue un traspaso de territorios muy pequeña. Ya que no satisfacía a ninguna de las partes, y para evitar futuras disputas, los tres participantes decidieron suprimir sus recomendaciones, dar marcha atrás y ratificar la frontera establecida en la Ley de Gobierno de Irlanda de 1920.

La comisión estuvo formada por:
 Justice Richard Feetham, sudafricano, como presidente de la comisión. Nombrado por el Gobierno Británico.
 Eoin MacNeill, Ministro de Educación del Estado Libre Irlandés.
 J.R. Fisher, editor de un periódico unionista. Nombrado por el Gobierno Británico para representar a Irlanda del Norte

Tratados de Irlanda del siglo XX
Historia contemporánea de Irlanda
Tratados del Reino Unido del siglo XX

redpajama_set_name: RedPajamaWikipedia


We love starting the weekend with an egg-heavy brunch. Mix eggs with veggies for a healthy and hearty breakfast. Bonus points for making enough to munch on all week!
This veggie addition doesn't change the texture of eggs and fits in an entire serving of veggies (at least).
Steam and purée or finely grate cauliflower to mix with scrambled eggs. Try it with chicken or tuna salad for a full entrée.
Breakfast sweets can be packed with veggies too. Try making some travel-friendly bran muffins packed with zucchini and carrots in addition to the classic raisins, walnuts, and cinnamon.
Classic oatmeal might be topped with brown sugar and fruit, but oats can be savory too! Cook plain oats with water and add your choice of steamed or sautéed veggies. Top with an egg for extra protein and season with salt, pepper, or a sprinkle of Parmesan cheese.
When the skillet is heating next weekend, throw some pumpkin or squash purée into pancake or waffle mix to fit in an extra serving of veggies (and get a fun orange tinge, too).
A handful of spinach or kale blends well with any fruit smoothie. Try the classic Green Monster by blending 1 cup milk (we love almond milk!), 1 frozen banana, 2 handfuls spinach, and 1 tablespoon almond butter.
Like the green smoothie, this avocado-based treat is perfect for breakfast or a nutritious snack. Packed with healthy fats, vitamin E, and vitamin B6, avocados are one superfood we love to liquefy.
Carrot juice is pretty easy to find, but without a juicer at home, it's tough to make. Luckily, grated carrots are easy-peasy to fit into any fruit smoothie. Bonus: Because we're using all parts of the veggie, none of the fiber is lost from the juicing process.
When spaghetti and meatballs is on the menu, add a load of extra veggies (like spinach and mushrooms) to the dish instead of opting for a boring 'ol side salad.
Use a spiralizer or julienne tool to create zucchini, squash, asparagus, or cucumber noodle and skip the pasta altogether. (Or roast spaghetti squash!) Add extra veggies to the sauce for an extra dose of nutrients.
Remember herbs are leafy greens too!
Add fresh herbs to any rice, pasta or grain dish. Or whip up a quick homemade herb pesto to add to scrambled eggs or use as a sandwich spread.
It's a childhood favourite, but grown ups crave it too—don't lie! When the desire to demolish the whole lot sets in, add a load of fresh veggies for a dose of extra nutrients. Spinach, tomatoes, peas and broccoli make awesome additions.
Kumara and regular mashed potatoes are perennial favorites. To add some extra nutritional value, mix the two types 1-to-1 in a mash.
Anytime that casserole dish comes out of the cupboard, get the grater out too. Finely shredded zucchini or pumpkin can be added to virtually any casserole without changing taste or texture!
Lettuce makes a surprisingly awesome stand-in for bread and tortilla wraps. For tougher greens like kale or chard, blanch the greens and pat dry before wrapping.
Melted cheese between two slices of bread doesn't have much green value. Every time the cheesy craving strikes, throw in a few layers of veggies. Spinach, tomato and avocado make awesome additions.
Instead of opting for the classic chicken-and-cheese, throw in a variety of veggies and cut the cheese by half. Some favourite fillings are corn, peppers, onions and greens.
Try adding carrot purée or chopped mushrooms to ground beef recipes. From hamburgers to meatloaf, a few steamed and puréed veggies (or a mix of carrot and kumara) go a long way.
Tomato sauce is a great vehicle for any extra puréed veggies. The easiest addition (and our personal favorite)? Pumpkin purée!
Basic tomato sauce is great—definitely counts as one veggie! But the more veggies added, the better. Try adding puréed carrots or pumpkin, peppers, onions or greens.
Few things are better than a Sunday-morning plate of eggs Benedict, but classic hollandaise sauce can be less than healthy. Try this avocado hollandaise to fit in some extra green.
Mix pumpkin purée and grated cheese to create a tasty spread for grilled cheese, quesadillas, or pizzas.
Say bye-bye to classic oil and vinegar and hello to veggie-based dressings. Some ideas include butternut squash, tomato, beetroot or zucchini.
It's the perfect healthy vehicle for some serious protein!
Slice zucchini, avocado, carrot or green beans, lightly bread, and bake until crispy.
Lightly coated in oil and sprinkled with salt, crispy kale chips are a great (and much healthier) stand-in for potato chips.
Yes, a cheesy pizza is hard to pass up. But pizzas are a great vehicle for a big pile of veggies. Practically anything works, from greens and tomato to roasted pumpkin or root vegetables.
If pizza is for dinner, throw a salad on top for a fun meal to eat, and an easy two-in-one dinner.
Making classic chicken soup? Add a can of puréed tomatoes, pumpkin or potato. It will make for a thicker soup and also sneak in some extra veggies.


Your generosity means the world to us, but it means so much more to the animals we serve.
This year, we estimate that our services to animals will be required more than ever.
Your kind donation will mean that we will be able to save the lives of more animals, so they can go onto love a special human being.
We will be able to pay to treat animals that have been subjected to abuse every day - so they can move on with a healthy, positive life.
Any amount you are able to give means the world to us, and means a life for an animal.
Thank you, for considering donating to Green Acres Rescue. We make every single penny work hard in order to recover, rehabilitate and re-home as many animals as we are able.


We experimentally study aid distribution and cooperation in a field lab in rural Nicaragua. In the first stage of the experimental game, participants contribute to a collective effort that determines the amount of aid given to the group, which is distributed among the players in a second stage. We find that in a treatment where a group representative, selected as the highest contributor, distributes aid, contributions are higher compared to a treatment where aid is equally distributed. The higher amounts of aid attracted, however, benefit representatives only. At the same time, representatives do care about fairness. They give higher aid shares to players with low endowments and lower shares to low contributors. Moreover, representatives with lower relative wealth or who contribute relatively more, keep higher aid shares. With our experimental game simulating community-based development (CBD) schemes, we discuss the implications of our results for elite capture in such schemes.
Lab and life: Does risky choice behaviour observed in experiments reflect that in the real world?


M. Richard de la Barre Sch.C.L. 1366.
M. John de Lincoln Sch.Cn.L. 1397, 1399.
Estate ratif. 25 May 1397 (CPR. 1396-1399 p. 139) and 22 Oct. 1399 (CPR. 1399- 1401 pp. 24-5).
William Wilcock (fn. 2) ?-1502.
Occ. 16 Apr. 1501 (Brit. Mus., Harley MS. 1249 f. 272). D. before 20 July 1502 (Reg. St Davids 11 739).
M. John Fychan D.C.L. 1502-?
Coll. 29 Sept. 1502 (Reg. St Davids 11 745). Occ. 8 July 1504 (Lamb., Reg. Warham 11 f. 223).
M. Richard Gwent D.Cn.L. 1535, 1539.
Occ. 1535 (Valor IV 383). Occ. 1 Aug. 1539 (Nat. Libr. Wales, SD Ch. B/1 p. 26). ? Held preb. until d., 21 July 1543/11 Feb. 1544 (PCC 3 Pynnyng).
1. Robert Mason, Thomas Donclent, John Sampson, John de Middleton and Philip Davy, who are given as prebs. of Llanddewi-Aberarth (Menevia Sacra pp. 268-9) are not included here. Evidence shows that it was in a cursal preb. that the succession from Donclent to Davy took place. See p. 75.
2. There is no evidence that William Eliot held this preb. 1488 and 1493 (Menevia Sacra p. 269, no reference given).


The time has come; maybe you recently received a new job with an out-of-town office; or, perhaps you have a new child on the way, causing your family to expand and your once-spacious 1,000 square foot home in the middle of the bustling city to appear suddenly more cramped.
Whatever the case may be, your current home (though perfectly quaint when you first moved in) just isn't a suitable option any longer, and you're now forced to move hastily to try and sell it. But is it even possible to sell a home quickly?
With pesky home inspections and value appraisals (which are just some of the lengthy obstacles you'll inevitably run into during the home selling process) your hopes for a quick turnaround may soon start to dwindle. Leaving you praying for a solution. One that allows you to cut ties with your current property without all the hassle.
After all, having a home sit on the market for an extended period of time is an unfortunate, yet common reality for most sellers (especially those new to the process) which might make your realtor happy (with fees piling up and more money in their pocket) but in the long run will surely result in a myriad of headaches for you.
This is why more and more sellers are choosing to sell their homes themselves and targeting local home buyers and real estate investors for a quick sale. Especially if they're willing to take a bit less than market value for their homes.
How is this possible? Where would you turn in order to bypass the lengthy steps of the home buying process, such as home inspections? Well, trusted real estate investor firms (like Roxbury Mill Properties, LLC) have been a trendy go-to for home sellers (and buyers) across the country.
Step 1: Go here and enter your information (including name, email, zip code and phone number) using a simple contact form.
Step 2: Wait shortly for Roxbury Mill Properites to contact you over the phone to discuss their offer for your property.
Step 3: Either accept or reject the offer presented to you during the call.
Step 4: Get the cash for your property.
Can it really be that simple? Absolutely. Roxbury Mill Properties, like other investors, gives the seller an opportunity to permanently delegate ALL the downsides (including the financial responsibilities) of selling a home. These pitfalls can make the process feel like a full time job.
Think about it: Home inspections almost always lead to haggling with whomever is interested in purchasing your home, forcing you to take a more-than-significant loss in your asking price. Then again, the buyer may demand all of the home's issues be either fixed or remedied before they move in, which won't just hurt your budget for your new home but your timeline for selling your existing home as well.
Value appraisals can also differ substantially from what you think your home is worth. Making you scramble to improve the home's value by either making additions or carrying out tiresome renovations. Both of which may not even be in your budget. Nonetheless, when did spending money on a home you're looking to vacate become a smart and/or beneficial endeavor?
This is where local home buyers and real estate investors shine, especially Roxbury Mill Properties. They'll take ANY home you put up for sale, no matter the property's issues, damages OR price range.
Not to mention, using this method to sell your existing property provides the seller with more money for a new home; with no inspection fees, no renovations and no realtor fees looming over your head you'll likely be able to increase your budget and find your home for the future.
NEVER worry about your home's appeal, Roxbury Mill takes ANY property, regardless of issues (plumbing, structural, electrical etc.) or price range.
Focus on finding your dream home with the hassle of selling your old home out of the way!


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Home APPLE 'Ted Lasso' star Jason Sudeikis wins at Golden Globes
'Ted Lasso' star Jason Sudeikis wins at Golden Globes
Repeating his 2021 win, Jason Sudeikis was named Best Television Actor in a musical or comedy at the Golden Globes, for his performance in Apple TV+ hit "Ted Lasso."
"Ted Lasso" was beaten to the award for Best Musical/Comedy Series by HBO Max's "Hacks." The comedy's Brett Goldstein missed out on the Best Supporting Actor – Television category as O Yeong-su won for "Squid Game" on Netflix.
Billy Crudup and Mark Duplass had also been nominated for this category for their work on Apple's "The Morning Show." Star Jennifer Aniston lost out in the Best Television Actress – Drama category to Michaela Jae Rodriguez in FX's "Pose."
Hannah Waddingham was beaten to the Best Supporting Actress – Television category by Sarah Snook, for "Succession" on HBO. And "CODA" was a runner-up in the Best Picture Drama category, beaten by writer/director Jane Campion's "The Power of the Dog."
The Golden Globes are awarded by the 87 members of the Hollywood Foreign Press Association. Since the 2021 ceremony, however, the organization has been highly criticized after it was revealed that it had no Black members.
While the organization has committed to reforms to address this and other concerns, a number of media firms announced that they would cease their activities with it. They include NBC, which said it would not televise the 2022 ceremony, although it will reconsider for 2023.
Consequently, this year's Golden Globes are much lower-profile than before. Variety described the previously prestigious ceremony by saying, "Golden Globes put on an event that could have been put in an email."
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redpajama_set_name: RedPajamaCommonCrawl


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Mike Connors ist der Name folgender Personen:

* Mike Connors (Schauspieler, 1892) (Michael O'Connor; 1892–1949), australischer Schauspieler
 Mike Connors (Schauspieler, 1925) (Kreker J. Ohanian; 1925–2017), US-amerikanischer Schauspieler


Lavish sets, props and costumes for your next production of MAMMA MIA! are now available for you to rent. Sets include rotating taverna units, greek architectural columns and bases and furniture pieces that configure to create the different suggested locations of the story. Costumes are based in a blue, white and grey pallet that totally compliment the colors of the greek island. The showstopping Dynamo Super Trouper costumes and finale costumes are to die for! Book them now before its too late!
Or visit huntsent.com for photos.


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2052: Australia one, USA two, Netherlands three... 100m to go...
Australia win gold in the women's 4x100m freestyle relay.
2055: The Australians kept USA in their sights and won it on the last leg, pulling away in the final 100 meters to win the country's first gold medal of London 2012. The Netherlands get a silver medal and USA win bronze. Hosts Great Britain, still medal-less, finished fifth.
Congrats to Colorado's Missy Franklin who won her first medal (bronze) as part of the 4X100 free relay team. #Olympics #London2012
by MileHighRobert via twitter 7/28/2012 7:56:57 PM
Probably regreting not having Natalie Coughlin swim in that relay huh??
#swimming #TeamUSA #400MR #London2012
by Colombianita715 via twitter 7/28/2012 8:00:05 PM
2103: Strange one, leaving out Natalie Coughlin. She's just made a little bit of history despite not appearing in the final; having swam in the heats this morning she still gets a bronze medal and therefore is now the most decorated female swimmer in Games' history with 12.
China's explosive Sun Yang celebrates his awesome gold medal.
Sebastian Krimmer of Germany competes in the horizontal bar at London 2012.
The Olympics have been really fun! Last night for opening ceremonies, my wife found an online recipe & made traditional English tea sandwiches & we had PG Tips tea. Not bad! Our only complaint is that NBC is so incredibly limited in the events that it covers.
by StuckNearDetroit 7/28/2012 9:02:17 PM
I've watched more sport today than ever before. There's something magic about #London2012
by RuthDew via twitter 7/28/2012 9:03:31 PM
2205: Mmm... English tea sandwiches... Top work, Mrs StuckNearDetroit. I'm just watching the news in England at the moment, and they are leading on A) The fact that Mark Cavendish didn't win a gold medal and B) The fact that Michael Phelps didn't win a gold medal.
The beach volleyball started at Horse Guards Parade in London.
2213: Let's do a little round-up: qualifying for the men's team event in gymnastics has finished, with hosts Great Britain reaching the final in third place, a terrific achievement. USA were first, Russia second, China fourth. In the women's basketball, France beat Brazil 73-58 with GB and Australia about to tip-off.
Go USA women's volleyball team- nice victory over south korea
by JamieSo 7/28/2012 9:15:40 PM
Really enjoying the Volleyball and Handball, both played at a rapid tempo. #London2012
by coldaley3 via twitter 7/28/2012 9:17:44 PM
2220: Great win for the USA volleyball team, beating South Korea 3-1, while hosts GB lost 3-0 to Russia and China beat Serbia 3-1. In the women's handball, Montenegro beat GB 31-19, Denmark beat Sweden 21-18 and South Korea saw off Spain 31-27.
Terrific sand VB venue at Horse Guards Parade! London has done a terrific job with its metro/historic and high tech venues. Congratulations!
by NanaBK 7/28/2012 9:23:49 PM
The women's basketball got under way in London on Saturday.
And finally - excellently organised, no transport issues, friendly staff and a great atmosphere #london2012
by PhilV3003 via twitter 7/28/2012 9:32:13 PM
2234: That's good to hear. Meanwhile, London 2012 organising committee LOCOG have now officially just put some more tickets on their website, so if you've got any chance of going to the Olympic Games, you need to get involved immediately. Hang on, I just need to, er, stretch my legs...
Good for Lochte, Phelps was getting a big head.
by sally 7/28/2012 9:38:41 PM
Wow, Natalya Partika is amazing. She's a Polish table tennis player who's missing her right forearm. Not letting that hold her back, though - she's inspirational!
by Eva 7/28/2012 9:45:20 PM
China's Guo Wenjun wins Olympic women's 10m air pistol shooting title
1218: Another top-podium spot for China and another gold medal at the Royal Artillery Barracks in Woolwich as defending champion Guo Wenjun outshoots France's Celine Goberville. That's China's fifth gold in just over 24 hours. Astonishing.
1222: For all you glum-looking British fans, a fantastic story emerging from the ExCel Centre as judoka Colin Oates beats 2009 world champion Tsagaanbaatar Khashbaatar in the men's 66kg category. The Mongolian would be a prime candidate to win the man with the most a's in his name in London gold medal. However, it's onwards and upwards for Oates, who's through to the quarter-finals.
Your surname's not Lochte by chance, is it Ry? There is an interesting dichotomy between keeping enough fuel in the tank for the evening's finals and ensuring you've done enough to reach the final eight. Michael Phelps only just qualified by the skin of his teeth for the 400m IM on Saturday while Rebecca Adlington's 400m freestyle time means she's not in the center lanes for this evening's finals.
Guo Wenjun is China's fifth gold medallist after triumphing in the women's 10m air pistol shooting
1238: London organisers LOCOG were inundated with lots of angry tweets lambasting the number of empty seats across various Olympic venues on day one. However, London 2012 chairman Lord Coe says venues are "stuffed to the gunnels" and attributed the upturned seats in the "Olympic Family" area to the "nature of that accredited area". The "Family" is the umbrella term for athletes, their friends and families, journalists and sponsors. More to come from CNN on this story soon.
Georgia's Lasha Shavdatuashvili defeats David Larose of France in the men's -66kg judo. He looks quite pleased.
1248: The Brits are absolutely obsessed by it and the summer of 2012 has been nothing but one endless stream of it. Yes, the infamous rain has made its presence known across the capital for the first time in the Olympics, drenching the women's cycling road racers and stopping play on all but Centre Court at Wimbledon. Cue lots of "tsks" and eyes to the sky.
Missy Franklin is the second youngest swimmer on Team USA and she's out to kick butt. at 17, she's got no fear, and with her massive body size, ain't no one who can mess with her. Her arm span is more like a Boeing than a teenage wannabe medalist. She's the gal to watch in women's swimming.
by jake2k10 edited by p_soneji 7/29/2012 11:54:26 AM
1259: Excellent point about Franklin's armspan Jake. Like Michael Phelps, the 17-year-old has ridiculously long levers which help her glide through water with effortless elegance. She also possesses size 13 feet - imagine trying to find heels with those. To put that fact into perspective, her feet are FIVE times bigger than the average American woman. Crikey.
Even the rain isn't dampening the #Olympics . Big crowds Long the mall as the sun comes out! #cnnolympics #London2012
by PhilHanCNN via twitter 7/29/2012 12:04:21 PM
by PhilHanCNN via twitter 7/29/2012 2:17:08 PM
The Great British Summer strikes as unprepared spectators head for safety
USA's Kim Rhode wins the women's skeet shooting
1529: Take a bow Kim Rhode. She has just created history after becoming the first American athlete to win five successive Olympic medals. And given the USA's rich history at the Games, that is some achievement. The 33-year-old equalled her own world record with a perfect 25 in the final on her way to an unbeatable 99 at the Royal Artillery Barracks.
USA's Kim Rhode celebrates her gold medal in the women's skeet event.
1830: Indeed it was, Omee. Both the Men's and Women's Archery Team events were won by a single point, with South Korea needing and getting a nine with their final arrow. Top drama. We've got six more golds to come today - four in the pool, one in Men's Fencing and one in Men's Weightlifting.
CNN's Jon Mann and Becky Anderson discuss the empty seats at London 2012 venues, with comment from Organising Chief Lord Coe:
1837: There are some cracking matches going on at the moment - Horse Guards Parade has just gone wild as Great Britain's Women's Beach Volleyball Team have levelled it at 1-1 in sets with Canada. In the Men's Football at Wembley, 10-man Senegal are holding on 2-0 vs. Uruguay.
And here she is: Oksana Chusovitina, 37, competing for Germany. Amazing.
1901: They did, and it was - Great Britain's Shauna Mullin and Zara Dampney beat Canada 2-1 in their Pool F contest at Horse Guards Parade, and that might just be the best atmosphere of London 2012 so far too. In the Men's Football, 10-man Senegal held on to beat much-fancied Uruguay 2-0.
Senegal's Lions hold out for 2-0
& go top, earning a standing ovation. GB can join them on 4 points by beating UAE #cnnolympics #london2012
The rain did not make it easy during the Women's Road Race earlier.


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Chain eyes licence for former Matlock Wetherspoons
Made in Chesterfield: The hot tub company that grew from a Brimington bedroom to become industry leader
Chesterfield pub named 'best for dining' at prestigious restaurant awards - and all the other Derbyshire winners
A popular Chesterfield pub won a well-renowned industry award this week, being named as one of the best eateries in the area along with five other Derbyshire venues.
By Tom Hardwick
Thursday, 11th November 2021, 10:52 am
The Peacock Inn team celebrate the Westside Restaurant of the Year Award
The Peacock Inn at Cutthorpe was crowned best dining pub at the Westside Restaurant of the Year Awards, which celebrate the best of the hospitality industry in Sheffield and North Derbyshire.
Charlotte Marsden, the Peacock's General Manager, said: "It's absolutely amazing, all the guys here have worked so hard since we reopened in April. We've been extremely busy, so it was lovely to get that award last night.
"We're really pleased. Our staff are brilliant, we've got a really good team in the front and back of house."
Charlotte Marsden, the Peacock's General Manager
The Maynard in Grindleford won the reader's choice award, and Rob Hattersley, managing director, thanked his staff and all those who voted. He said: "We are proud to be recognised by Westside Magazine's readers for our continued dedication to excellence in our bar, restaurant and hotel. This award is fitting recognition of the efforts of each member of our team, who have been magnificent even during the most difficult of times for our industry."
"We are also proud to represent our local area and community. This award is great news not just for The Maynard, but for the entire area. A huge thank you to all who voted for us - we are truly humbled."
Bank House in Hathersage also had success on the night, claiming the best contemporary restaurant award. Sam Bell, managing director, said it was good to end a difficult year for the industry on a high-note.
"Winning this award is testament to the amazing team of people we have. We employ over 40 people from the local area, our people are our business and we are so proud of what they have achieved.
"This has also helped bring a positive end to what has been an awful year for the hospitality industry. It was also great to see some other Derbyshire restaurants on the shortlist this time and we are absolutely honoured that we won again."
Other winners included the Cavendish Hotel's Gallery Restaurant in Baslow, which was named restaurant of the year. The Bistro at Dunston Hall in Chesterfield was crowned best newcomer, and Hassop Station Café near Bakewell won best family-friendly restaurant.
ChesterfieldDerbyshireNorth Derbyshire
New florist excited to get started in 'friendly and welcoming' north Derbyshire
Owners of popular Chesterfield venue celebrate after being named CAMRA pub of the year
Peak District pub with cooked burgers beside raw meat gets zero food hygiene rating
Work to start on £3million Staveley Waterside development after funding approved


Even though we are in the middle of our winter quarter it is not too late to sign up! We have repaired out online appointments and apologize for any inconvenience. Early tuition date is February 17th for Spring Quarter.


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BYU grad follows the path less traveled to her degree
Mary Elizabeth Zilch became a world traveler at a young age. Most of her childhood was spent living abroad in Egypt and South Africa.
"My father worked for the US Agency for International Development as an auditor, but we liked to tell people he was a spy," Zilch said.
Studying Arabic at school in Cairo, serving in humanitarian aid throughout South Africa and visiting the jungles, waterfalls and beaches of nine other countries helped shape both her interests and the path that lead to BYU.
Today, Zilch is one of more than 1,800 students receiving a degree at BYU's graduation ceremonies, but her journey had a few detours.
Zilch's first couple of years at BYU were pretty typical. She started her studies intending to be a veterinarian, continued to study the Arabic language and eventually settled on pursuing an English degree.
During her junior year, Zilch married her husband. He graduated soon after and the couple moved across the country to Maryland. Zilch was given 5 years to finish her required coursework and graduate with her English degree, but at the end of five years her own growing family had done a fair bit of traveling. At the time, the family had moved eight times, lived in 4 different states and Zilch was expecting her third child.
"Thankfully, I have a very supportive and encouraging husband and an excellent example in my mother," Zilch said. "She had worked on her own classes while raising seven children and living in three different countries, so I found I had very little excuse not to finish my own degree."
After making the switch to a bachelor's degree of general studies with an emphasis in English, Zilch was able to complete her degree 11 years after starting here at BYU as a freshman and just a week before her fourth child was born.
She admits that time management was a struggle as she worked to finish those last few classes while also raising her children. Her advice to current students is to finish their degrees as soon as possible but not to give up if the path detours from what they intended.
"Stick with it and don't quit," said Zilch. "I feel like continuing my education has made me a more well-rounded individual. It has made me more appreciative of the world outside my little bubble of family and church."
Writer: Cory Gill
Byugrad
April 2022 Commencement: A life centered on Jesus Christ
By Jenna Knaupp
At the first in-person commencement since April 2019, over 6,800 students were honored for their completion of higher degrees at Brigham Young University.
Mother of four earns graduate degree, hopes to teach sociology
By Katie Child
All within the past five years, Jordan Coburn graduated with a double major in sociology and Spanish, worked as an English tutor, had four children and earned her graduate degree in sociology.
From football to acting—BYU grad chasing dreams with new kind of performance
By Trevor Jones
As BYU senior and acting major Langi Tuifua prepares to graduate this week, he reflects on how life doesn't always go as you might expect. Just a few years ago, no one could have imagined that he would be an actor on stage, even Tuifua.


Tax time is always a topic of concern for anyone who has to deal with the stress of finding those important documents, compiling all the information, and deciphering the complex forms. Although most people—if not all—hate the idea of giving up part of their hard-earned income to pay taxes, the important thing to remember is that taxes are an essential part of our society and its proper functioning. Without taxes, it would be impossible to fund many kinds of public welfare programs (such as homeless shelters, food banks, welfare, unemployment, etc.) or continue to develop public projects like road construction and maintenance, public parks, and many others. Schools are also supported by taxes, and when tax money is lacking, the educational system—and the future of the country—suffers.
When you are getting ready to prepare your tax forms, it is a good idea to collect all the information you will need and keep it in one place to decrease your frustration as you try to complete the forms. W-2 forms, 1099 forms, and other tax documents sent to you by your employer are necessary to prepare your taxes, so be sure not to discard these documents. There are many different kinds of forms that you can use to actually prepare your taxes, but which one is right for you depends on your financial situation and circumstances.
Because taxes are so difficult and frustrating for a large number of people, there are a variety of resources that have been designed to offer taxpayers some assistance and guidance in completing the forms accurately and correctly. Completing the tax forms correctly is important if people want to avoid the hassle of an audit by the IRS, which will ultimately cause far more stress and frustration and require more time and energy than a meticulous preparation of the tax forms initially.
Fact Expert knows the importance of tax time and is here to help make the process as painless and easy as possible. We have researched the facts and details about tax laws and requirements and can give you valuable advice and suggestions in helping to maximize your situation and get the most out of your tax return. We have also researched the resources available to help you, answer your questions, and avoid confusion and mistakes. If you have an exceptionally complex financial situation, it may be better and easier to have someone else who is experienced and educated in money matters prepare your tax return for you. Regardless of what you choose, Fact Expert can help you make the decision.


Morgan Stanley turns in third-quarter earnings Friday. Given how bank earnings have fared so far this season, analysts will be looking for a few key data points: How bad was fixed-income trading? How much is the bank paying its investment bankers? And how\'s that game plan to make the bank more stable and boring coming along?
CEO James Gorman has been on a mission to rejigger Morgan Stanley– a freewheeler before the financial crisis, fueled by proprietary trading and mortgage-backed securities — into something more steady. This summer, Morgan Stanley added the brokerage Morgan Stanley Smith Barney to its stable after buying out Citigroup\'s remaining stake. It\'s meant to make the bank more reliant on businesses like making loans and advising people on how to invest their money, and less reliant on riskier trading activities. It\'s also building up deposits, which give the bank a hedge when facing Federal Reserve stress tests or trying to keep quarterly earnings dependable.


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class  EleorderproductModel  extends  CommonModel{
     protected $pk   = 'id';
     protected $tableName =  'ele_order_product';

     public function updateByOrderId($order_id){
         $order_id = (int)$order_id;
         $product = $this->where(array('order_id'=>$order_id))->select();
         $ids  = array();
         foreach($product as $val){
             $ids[$val['product_id']] = $val['product_id'];
         }
         $idsstr = join(',',$ids);
         $month = date('Ym',NOW_TIME);
         $datas =  $this->query(" select  product_id ,count(1) as num from ".$this->getTableName()." where product_id IN({$idsstr}) AND month='{$month}' group by product_id ");
         $datas2 = $this->query(" select  product_id ,count(1) as num from ".$this->getTableName()." where product_id IN({$idsstr}) group by product_id ");

         foreach($datas as $val){
             D('Eleproduct')->save(array(
                 'product_id' => $val['product_id'],
                 'month_num'  => $val['num'],
             ));
         }

          foreach($datas2 as $val){
             D('Eleproduct')->save(array(
                 'product_id' => $val['product_id'],
                 'sold_num'  => $val['num'],
             ));
         }
         return true;
     }

}


The blue gradation dial model inspired by a cocktail, the Blue Moon.
The ice blue dial models inspired by a cocktail, the Skydiving.
The warm gray dial model inspired by a cocktail, the Side Car.
The champagne-gold model inspired by a cocktail, the Margarita. The glitter on the dial represents a scattering of snowflakes.
The silver dial model inspired by a cocktail, the Martini. The green-colored second hand, the calendar hand and the power reserve hand represent the olives in Martinis.
The brown gradation dial model inspired by a cocktail, the Manhattan.
The dark-gray dial model inspired by a cocktail, the Espresso Martini.


At first, average of income as well as quantity demanded is measured. But in determining whether to increase or decrease prices, a firm needs to know what the net effect will be. One calculates the arc elasticity by dividing the percentage change of one variable by the percentage change of the other. Simply input all of the remaining variables, and the result will be calculated automatically. Which class most likely has negative income elasticity of demand? } The use of the midpoint arc elasticity formula with the midpoint used for the base of the change, rather than the initial point x 1, y 1 which is used in almost all other contexts for calculating percentages was advocated by for use when x refers to the quantity of a good demanded or supplied and y refers to its price, due to the following properties: 1 it is symmetric with respect to the two prices and quantities, 2 it is independent of the units of measurement, and 3 it yields a value of unity if the total revenues price times quantity at the two points are equal.
So you have a 20% change in price and a 20% increase in quantity. Read on to learn how to calculate the price elasticity of demand with the midpoint method! Finally, the larger the number either positive or negative for the income elasticity of demand, the more responsive demand is to a change in income. If the points are separated by a larger distance on the demand curve, it is customary to express the change in demand and price as a proportion of their average values rather than of their original values. However, in some reports and texts, people will leave off the negative sign when reporting elasticity of demand because it is almost always negative. At any point to the right of M the point elasticity is less than unity e p 1.
What is the formula for calculating income elasticity of demand? Variation of demand for goods with respect to income increase In economics, income elasticity of demand measures the responsiveness of the quantity demanded for a good or service to a change in income. This approach has been emprirically validated using bundles of goods e. Example 2 Genovia has experienced exceptional growth in recent years. Before publishing your Articles on this site, please read the following pages: 1. For example, the change in the price level for a branded mobile phone can cause a substantial change in the quantity demanded.
One change will be positive, the other negative. This does not hold for such as the cars themselves, however; eventually, it may become necessary for consumers to replace their present cars, so one would expect demand to be less elastic. Methods of Measuring Income Elasticity of Demand Basically, there are three methods by which we can measure income elasticity of demand. When fuel prices increase suddenly, for instance, consumers may still fill up their empty tanks in the short run, but when prices remain high over several years, more consumers will reduce their demand for fuel by switching to or public transportation, investing in vehicles with greater or taking other measures. Make sure that they make intuitive and mathematical sense to us because something slightly strange happened. Example For example, consider the demand schedule for a hypothetical product.
So we get a percentage change of -0. The point elasticity of demand is defined as the proportionate change in the quantity demanded resulting from a very small proportionate change in price. So the income elasticity of demand for soft drinks equals The income elasticity value tells you a 1 percent decrease in income causes a 3 percent decrease in demand. When the goods represent only a negligible portion of the budget the income effect will be insignificant and demand inelastic, Necessity The more necessary a good is, the lower the elasticity, as people will attempt to buy it no matter the price, such as the case of for those who need it. What you are actually thinking about is the price elasticity of demand.
Income elasticity of demand indicates whether a product is. Defining Elasticity of Demand The elasticity of demand Ed , also referred to as the price elasticity of demand, measures how responsive demand is to changes in a price of a given good. Demand is rising less than proportionately to income. Income elasticity of demand is used to see how sensitive the demand for a good is to an income change. The time period, because consumption patterns adjust with a time-lag to changes in income. But if you focus on the absolute value, it's a - the magnitude of it- is a relatively large number, a relatively large % change in quantity relative to your % change in price. High income elasticity of demand: In this case increase in income is accompanied by relatively larger increase in quantity demanded.
Add Remove Unique is a leading manufacturer of powerful fully-loaded super light-weight laptop personal computers. Q 1 — Q 0 equals —1,500, and Q 1 + Q 0 equals 2,500. Typically inferior goods or services exist where superior goods are available if the consumer has the money to be able to buy it. We would take the starting point as the reference. Therefore, a one percent increase in price will result in a. If the income share elasticity is defined as the negative percentage change in individuals given a percentage increase in income bracken the income-elasticity, after some computation, becomes the expected value of the income-share elasticity with respect to the income distribution of purchasers of the product.
On most curves, the elasticity of a curve varies depending on where you are. If it was just change in quantity over change in price, we would get something. The quantity effect An increase in unit price will tend to lead to fewer units sold, while a decrease in unit price will tend to lead to more units sold. Microeconomics and Behavior 7th ed. The price elasticity of demand for aspirin is high -- a small difference in price produces a significant decrease in demand. Price elasticity of demand is almost always negative. Oxford Review of Economic Policy.
This is an important concept - the elasticity of demand for a good changes as you evaluate it at different price points. The equation defining price elasticity for one product can be rewritten omitting secondary variables as a linear equation. However, the method of calculating income elasticity depends upon the nature of the income demand curve. To determine if a demand is elastic at a given price, you have to evaluate it with the methods we're about to discuss. When the income distribution is described by a , the income elasticity is proportional to the percentage difference between the average income of the product's buyers and the average income of the population.
In this case, the income elasticity of demand is calculated as 12 ÷ 7 or about 1. The main determinants of income elasticity are: 1. Income elasticity of demand is the ratio of percentage change in quantity of a product demanded to percentage change in the income level of consumer. For example, where scale economies are large as they often are , capturing market share may be the key to long-term dominance of a market, so maximizing revenue or profit may not be the optimal strategy. This formula is an application of the.


Who are the 2015 NFL playoff darkhorse teams?
It seems that every season there is one or two teams that get into the playoffs that didn't make it the year before, or hadn't been in a while. Last season the Dallas Cowboys, Arizona Cardinals, Detroit Lions, Baltimore Ravens, and Pittsburgh Steelers all made that list.
Here are some candidates for the 2015 NFL playoff darkhorse teams.
The Chiefs finished last season just a game out of the Wild Card game. With one of the top backs, leading the history of the NFL in yards-per-game in Jamaal Charles, and the addition of Jeremy Maclin, they have a chance to win a second Wild Card berth in three years. The AFC Wild Card may come down to the last week with them, just like last season.
I've talked about Rex Ryan and the Bills before. With that already ferocious defense, they really need some offensive constancy. If they can run the ball as much and as well as they hope, a wild card berth may be down the line.
The Dolphins were another team just outside the playoff hunt last season and led by a tough defense. Tannehill has more weapons than last season and he could take another big step forward in 2015. They're in a crowded division with the Patriots and the Bills but should be in the thick of things coming down the stretch.
New Orleans comes into 2015 with a (hopefully) revamped defense and scheme. On the other side Brandon Cooks becomes the unquestioned No. 1 option for Brees. C.J. Spiller, an offseason addition, will likely play a big role out of the backfield. We'll see how they replace Jimmy Graham but they will be able to compete in the NFC South.
The last team on this list the Falcons, also has a chance to compete in the NFC South with new head coach Dan Quinn. He'll attempt to turn around a defense that's been horrible the last couple of years. Plus, they still have Matt Ryan and Julio Jones.


When it's time to choose a new floor for your home, there are many things to consider. Whether you're looking for a new floor perfect for active families or one that stands up to moisture, knowing and understanding the different products and attributes available can help you narrow down the selection. In fact, Armstrong flooring products offer durable solutions for all hard surface flooring options, including hardwood, laminate, vinyl and tile.
So what are you waiting for? Turn your dream floors into a reality. Stop by the L & M Carpet One showroom and we'll help you select the perfect Armstrong floors for your unique style, space and budget! We are located at 6156 Mechanicsville Turnpike.


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Alexander Abdelmajeed (Alex) Khateeb (born 8 June 1984) is a British racing driver, currently driving in Eurocup Formula Renault 2.0.

Career
At the age of nine, Khateeb started karting at Bristol Karting Centre. At the age of 15 he raced for the first time in a Formula Ford at Castle Combe.

In the 2006–07 season, Khateeb joined the Lebanon team in the A1 Grand Prix series to complete rookies practice sessions. He raced in two events, replacing Khalil Beschir. He races with the Lebanon team because of his Lebanese descent with his family originating in Tyre, Lebanon.

Khateeb is now involved in professional Drifting.

Career results

References

External links
 Biography at CircuitArt
 Driver Statistics at results.a1gp.com

1984 births
English racing drivers
Living people
A1 Team Lebanon drivers
Formula Renault Eurocup drivers
British Formula Three Championship drivers
Sportspeople from Bath, Somerset
British people of Lebanese descent
Carlin racing drivers
A1 Grand Prix drivers
OAK Racing drivers


text:
Looks Like PewDiePie Finally Found His Happily Ever After
Dani Di Placido Senior Contributor
I write about film, television, pop culture, and other fun stuff.
Comedian PewDiePie signs his new book 'This Book Loves You.' (Photo by Vincent Sandoval/WireImage)
2015 Vincent Sandoval
It's refreshing to see Felix Kjellberg's name hit the headlines without an accompanying controversy, but rather, as a source of inspiration and positivity.
Ever since the Wall Street Journal highlighted PewDiePie's penchant for offensive edgelord humor, Kjellberg became entwined in an antagonist relationship with the media, repeatedly hit with accusations of racism.
The most popular individual on YouTube soon found himself at the center of a uniquely modern culture war, his channel viewed as a potential recruiting ground for the alt-right. As the controversies piled up, PewDiePie often fired back at media criticism, the cycle of mutual distrust playing directly into the hands of opportunistic alt-right propagandists, hoping to steer PewDiePie's ever-growing subscriber count down a dark path.
The situation came to a terrible climax after the phrase "Subscribe to PewDiePie" was invoked by a mass shooter radicalized by the alt-right, provoking instant condemnation from Kjellberg, who officially ended the "Subscribe to PewDiePie" meme, recognizing that what had started as a fun, memetic advertising campaign had warped into something unrecognizable.
After all, PewDiePie's channel was never intended to be political; when the YouTuber first started making videos, he spent the majority of his time playing horror-themed games, overreacting to jump scares and cracking jokes.
Likely seeking an end to the constant media scrutiny and political controversy, both of which had very little to do with PewDiePie's actual content, Kjellberg found solace in Minecraft, a game that had peaked in popularity years ago, but remained as malleable and approachable as a box of Lego.
Thus, PewDiePie's channel reverted back into a gaming channel, more or less, the gentle nature of the game proving immune to controversy. The lush, pixelated land of Minecraft provided a space for PewDiePie to exercise his creative muscles, and find humor through gameplay.
The shift in tone was quickly followed by two positive milestones - the channel hitting an almost incomprehensible 100 million subscriber count, and Kjellberg getting married to his long-term girlfriend, Marzia Bisognin.
It's an adorable end to the strange tale of a Swedish YouTuber, who conquered the video-streaming site through strength of personality alone.
Of course, PewDiePie's story is far from over, his channel always evolving, but it's deeply encouraging to see Felix Kjellberg finally portrayed as a positive role model, his love story eclipsing his media misadventures.
The channel of the most popular individual on YouTube should never have been reduced to a territorial grab between poisonous political agendas, but simply, a space to have fun.
Follow me on Twitter. Check out my website.
Dani Di Placido
I'm fascinated by storytelling, in all its myriad forms; mythology, fairy tales, films, television, and urban legends.


Time to lighten the mood!
This edition of Wednesday Wow features a Japanese island that looks like the perfect setting for retirement or for the secret base of a James Bond villain! It also features a nifty way to grow food and art at the same time.
After we visit Japan, we'll zip out to Saturn for one of my very favorite space photos. It's one of my more frequent desktop wallpapers. Then, back on Earth, we'll zoom in close for a microscopic look at a couple of common items and finally end on the real star of today's Wowishnessosity: a piece of video that's a ton of fun.


The LEED-CI Platinum office supports collaboration with integrated information and communications technology allowing local teams to work in real time with colleagues around the globe. Designers worked with manufacturers to customize a radial work area solution which improves team visibility and collaboration while also maintaining the same seat count as traditional layouts. This strategy has increased employee satisfaction by 86% and has also improved employee concentration (32%), ability to meet face-to-face (31%), ability to hold phone conversations (22%), and individual work in private areas (14%).
Are you sure you want to delete this placement from CannonDesign Chicago Office?
Are you sure you want to delete from CannonDesign Chicago Office?


Our research identifies naturally occurring compounds for appetite control.
Feeling fuller for several hours after eating, or satiety, is an important part of dietary energy management and maintaining a healthy body weight. It also has a role in offsetting issues including obesity, diabetes type 2, cardiovascular disease and cancer, which are costly to individuals and society.
Create fresh and processed prototype foods that deliver appetite control to consumers.
New fruits and vegetables with naturally optimised levels of appetite control-containing compounds will be developed. Novel, low-cost ingredients will be available from fruit, vegetable and grain materials and high value appetite control foods will be created.


New outlets report that some 30 people were hurt when a floor collapsed early Sunday during a party at an apartment in South Carolina near the campus of Clemson University.
Video posted on social media shows a large portion of a floor on the first level of the building caving in as people were dancing, causing dozens to fall through to the basement. Partygoers screamed, and those who didn't fall stood on portions of the first floor that remained.
News reports cite a Clemson City Police Department news release as saying a call was received about 12:30 a.m. Sunday about the collapse of the floor at an apartment clubhouse.
Officers arrived to find multiple people hurt. No one was trapped. Reports say many were taken to hospitals with injuries but none was considered life-threatening.


He was already the poster boy of adventure sports coming into 2018, thanks to his free-solo climbs—alone, with no ropes—of massive rock walls. Over the past half-dozen years, his calm embrace of extraordinary risk has garnered a steady flow of mainstream media coverage (60 Minutes, The Economist, The New Yorker) and attracted big-ticket sponsors (BMW, Citibank, Squarespace) while leaving elite climbers dumbfounded. All that was before the October release of Free Solo, a film that marks the end of his transformation from an unknown dirt bag living in a van to a bonafide superstar who, well, still lives in a van, at least for most of the year.
He did, that is, until Free Solo. The 97-minute biopic chronicles his mind-bending 2017 ascent of the 3,000-foot Freerider route on El Capitan. Codirected by husband-wife team Jimmy Chin and Elizabeth Chai Vasarhelyi, whose previous project, 2015's Meru, was on most short lists for an Oscar documentary nomination, the film offers the first truly penetrating look at Honnold. We see him climbing like a machine, but also losing his nerve and bailing from an earlier attempt of Freerider, and expressing his feelings for his girlfriend, Sanni McCandless. Free Solo, he explains, captures him as accurately as a movie can. "It's basically me," he says.
When Alex Honnold decided to grab back the climbing speed record for the infamous Nose route on Yosemite's El Capitan this summer, he figured the best way to guarantee success was to get his good friend Tommy Caldwell to join him. This despite the fact that Caldwell had never set a speed record. "When Tommy commits to do something, it happens," explains Honnold.
Caldwell is among the best and most dedicated big-wall climbers in history. He spent seven years almost entirely focused on completing the first free ascent—using ropes and anchors for safety only—of El Capitan's Dawn Wall, which he completed with Kevin Jorgeson in early 2015. Their effort earned a shout-out from President Obama and is the subject of the other big climbing film released this fall, The Dawn Wall, by Sender Films.
As Honnold sees it, perceptions of Caldwell have always been half right. "His reputation as a good guy and a pillar of the community is super well-founded," he says. But the assumption that Caldwell is just another naturally talented athlete couldn't be further from the truth. "He never had a gift and rested on it," Honnold says. "Everything he's done, he was willing to make it happen. I wish I had his work ethic." —M.S.
Despite the fact that women have long been surfing the world's biggest waves—Betty "Banzai" Depolito was charging Waimea Bay, the legendary break off Oahu's North Shore, in the late seventies—they've been given few opportunities to compete in big-wave contests. The first women's heat didn't take place until 2010, at Oregon's Nelscott Reef Big Wave Classic. Last fall, after years of struggling to get support from the male-dominated surf industry, Depolito created a women-only contest at Waimea called Queen of the Bay, though it was canceled when the waves never came.
To date, no woman has ever competed in an event at Maverick's, the monster swell south of San Francisco, even though Sarah Gerhardt broke the gender barrier there back in 1999, just weeks before the first Maverick's event. That's about to change, following the persistence of Bianca Valenti and the Committee for Equity in Women's Surfing, which she cofounded with three other pro women in 2016. That same year, the California Coastal Commission required the group behind the Maverick's contest to include women in order to secure permitting. And CEWS then stepped in to ensure that the women's purse matched the men's.
Six women, including Valenti and Gerhardt, were invited to compete in 2016. The event was canceled that winter (due to unrelated legal issues) and again earlier this year (due to lack of swell), but the weather window reopens this winter, and ten women are on the roster to be called if suitable waves arrive. Just as important, the contest is now part of the World Surf League, which Valenti is lobbying for a lot more changes.
Frequently overlooked in the controversy surrounding Serena Williams's dispute with an umpire at the U.S. Open tennis final was the fact that when Osaka hoisted the trophy, she became the first Japanese player to win a Grand Slam event. It won't be her last.
In May, three months after Randall teamed up with Jessie Diggins to capture the first ever Olympic medal, a gold, for women cross-country skiers, in Pyeongchang—Randall's fifth Games and her first as a mother—the 35-year-old was diagnosed with Stage II breast cancer. She's chosen to make her battle with the disease public and candid, sharing images and videos on social media and her blog in an effort to show people what the process is really like. "Strangely, this chemo experience is kind of like my athletic career," Randall said in a video she posted in September. "I've got to get enough rest, I've got to eat right, I've got to hydrate—and I've got to not push myself too much." —M.M.
On July 22, Polish mountaineer Andrezj Bargiel became the first person to make a full ski descent of 28,251-foot K2, the second-highest peak on earth and one of the most dangerous. At least two of the handful of skiers who have attempted previous descents perished in the process. This year, the mountain's notoriously wicked weather was milder than usual, boosting Bargiel's odds. His drop took roughly eight hours, including one spent waiting out poor visibility at 26,000 feet. Bargiel, who had already skied down three of the world's 8,000-meter peaks, was both elated and relieved when he finally made it to base camp. "To be honest, I'm glad that I won't be coming here again," he said. Drone video footage of his run went viral almost instantly, but few who saw it realized the long history behind the big moment. —W.C.
Japanese climber Yuichiro Miura carves a few turns on Everest's South Col. They are believed to be the first ski tracks made above 8,000 meters.
Swiss extreme skier Sylvain Saudan makes it down Gasherbrum, likely completing the first full ski descent of an 8,000-meter mountain.
Slovenian Davo Karnicar makes the first complete ski descent of Everest.
Italian Hans Kammerlander starts skiing from K2's summit, but after reportedly witnessing a climber fall to his death, he completes his descent in boots.
Weather forces American Dave Watson to begin his planned K2 ski descent shy of the summit.
World War II pilot-instructor Orville Rogers lived what many would consider an entire lifetime by age 50, when he discovered running. Now 100 years old, he continues to pound the pavement—and smash age-group records along the way. We asked him how we could follow his lead. —W.C.


It has been revealed that BTOB member Eunkwang will be joining the studio panelists of MBC's virtual marriage program "We Got Married," on the next episode.
This past June 17, Eunkwang made an appearance at the "We Got Married" studio and showed off his witty comments while watching the couples with the rest of the panelists, including Park Mi Sun, Eric Nam, and AOA's Choa.
As Eunkwang is the oldest member and leader of BTOB, of which Yook Sungjae is also a part, it seems that he will be revealing the truth behind Sungjae's real-life personality.
Meanwhile, the broadcast of "We Got Married" featuring two new couples—Sungjae and Red Velvet's Joy, as well as Oh Min Suk and Kang Ye Won—is set to air on June 20 at 4:55 p.m. (KST).


The Securities and Exchange Commission today filed a civil injunctive action against twelve defendants alleging insider trading and tipping before a September 6, 1995, announcement that Bay Networks, Inc. would acquire Xylogics, Inc. According to the complaint, the defendants' illegal profits were at least $680,000.
The complaint, filed in the United States District Court for the Northern District of California, alleges the following: While working for Bay Networks, Michael Hendrix learned of Bay Networks' agreement to acquire Xylogics before its public announcement. Hendrix then purchased 6,215 shares of Xylogics stock in five accounts during the two trading days before the announcement, selling nearly all of his, his wife's, and their minor children's securities to fund the purchases. Hendrix and his family made approximately $105,000 in profits from these trades. Hendrix also contacted several friends and former colleagues who quickly bought Xylogics and who, in turn, contacted others who also quickly bought. Hendrix and others who learned of the merger before its announcement directly or indirectly through him included the following nine defendants: James A. S. Lewis, Jeffrey S. Summerlin, Douglas S. Sawamura, Craig A. Larrew, San H. Mai, Bich Thi Hoang, Linh Ngoc Vu, John H. Oh and Nick S. Park. Hendrix, these nine defendants, and others whose trading stemmed directly or indirectly from Hendrix's recommendation, made at least $644,000 in illegal profits from their purchases of Xylogics, in violation of Section 10(b) of the Securities Exchange Act of 1934 and Rule 10b-5 thereunder.
The complaint further alleges that separate and apart from Hendrix, while working in Bay Networks' public relations department, Timothy Helms learned of Bay Networks' imminent acquisition of Xylogics. After learning this information, Helms telephoned his father, Raymond, who bought 3,000 shares of Xylogics stock the day before the announcement. The elder Helms made $36,000 in profits from his trading. Timothy and Raymond Helms were each named as defendants.
Two of the defendants, Lewis and Summerlin, agreed to settlement with the Commission. Without admitting or denying the Commission's allegations, each consented to the entry of a final judgment permanently enjoining him from future violations of Section 10(b) of the Securities Exchange Act of 1934 and Rule 10b-5 thereunder. Lewis also agreed (1) to disgorge $62,175 (plus prejudgment interest of $28,381.88), which includes his trading profits and the profits of an individual to whom he recommended the purchase of Xylogics stock, and (2) to pay a one-time civil penalty of $62,175 on his own profits and his recommendee's profits. Likewise, Summerlin agreed (1) to disgorge his insider trading profits of $39,200 (together with prejudgment interest of $17,894.16) and (2) to pay civil penalties equal to his trading profits.
The Commission thanks the NASDR for its assistance in this matter.