Avoiding gluten in your diet but fancy a cheeseburger and fries whilst out and about this weekend? There's some good news if you're a McDonald's fan.
The fast food chain has announced over 32 items on its current menu which McDonald's claim are free from gluten.
A spokesperson for McDonald's said: "Although we don't have any plans to introduce gluten free buns onto our menu, we work closely with the Coeliac Society in the UK to make sure we have information on which products are suitable for anybody following a gluten free diet.
"As a Company, we do encourage and train all our members of management and staff to be flexible to our customers' special requests whenever possible.
Jumbo News visited the Tollgate branch of McDonald's in Stanway, Colchester in December 2017, where store management and staff were more than accommodating to our request to use our own gluten free bun, warning us of possible cross-contamination that may occur in them doing so.
The restaurant chain has over 3000 locations in the U.K., employing over 85,000 staff.
McDonald's has four restaurants in Colchester located at Tollgate, High Street, Colchester Stadium and the newly refurbished Cowdray Avenue.
Posted on February 15, 2018 6:00 am February 19, 2018 4:16 pm By Jeremy HagonPosted in Colchester Central, Local Colchester News, Restaurant, Stanway Village, X* ALLOW AUTO-REPOST SAME DAYTagged bigmac, cheeseburger, Colchester, employees, gluten free, mcdonalds.


text:
package types;

import java.util.List;

import org.la4j.matrix.dense.Basic2DMatrix;

import com.badlogic.gdx.graphics.Color;

import types.Complex;
import types.VecPath;

public class VecImage {
	protected List<VecPath> paths;

	public VecImage(List<VecPath> paths) {
		this.paths = paths;
	}

}

redpajama_set_name: RedPajamaGithub


Dr. Ziauddin Ahmad/Ahmed Dental College Aligarh, in Uttar Pradesh, imparts UG and PG level courses in the field of dental science.
Dr. Ziauddin Ahmad Dental College is situated in Aligarh district of Uttar Pradesh. The college is an integral of Aligarh Muslim University, Aligarh. The college of dental sciences is approved by Dental Council of India (DCI), New Delhi and Ministry of Health and Family Welfare, Government of India. Dr. Ziauddin Ahmad Dental College imparts undergraduate and postgraduate level programmes in the discipline of dental sciences - Bachelor of Dental Surgery (BDS) and Master of Dental Surgery (MDS), which are offered as per the guidelines of the DCI. Dr. Ziauddin Ahmed Dental College provides all the basic amenities for the overall development of its students.
To be eligible, one need to have cleared 10+2 level of examination with not less than 50% marks in aggregate in Physics, Chemistry, English and Biology, from any statutory state/national Board.
The candidates should have passed Bachelor�s of Dental Surgery (BDS) course from a recognized University.
The candidates have to appear in Aligarh Muslim University Medical Entrance Exam, which is administered by the University.
The candidates are selected on the basis of their performance in entrance exam conducted by Aligarh Muslim University.


text:
NKT Photonics
1-15 of 49 1 2 3 4 »
Feature Of The Week 04/28/2019: Real-Time High-ResolutionMid-Infrared OCT
Explore Optical Coherence Tomography News Apr 28 2019 NDE/NDT
The potential for improving the penetration depth of optical coherence tomography systems by using light sources with longer wavelengths has been known since the inception of the technique in the early 1990s. Nevertheless, the development of mid-infrared optical coherence tomography has long been challenged by the maturity and fidelity of optical components in this spectral region, resulting in slow acquisition, low sensitivity, and poor axial resolution. In this work, a ...
Mentions: Adrian G. Podoleanu University of Kent Technical University of Denmark (DTU)
Supercontinuum light source comprising microstructured optical fiber
Explore uspto.gov Apr 9 2019 Patents , Broadband Sources
The invention relates to a microstructured optical fiber for generating supercontinuum light upon feeding of pump light. The light can be incoherent light. The microstructured optical fiber has a first section and a second section, where the first and second sections have one or more different features. The invention also relates to a supercontinuum source comprising a microstructured optical fiber according to the invention.
Mentions: NKT Photonics
Real‐time High‐Resolution Mid‐infrared Optical Coherence Tomography
Explore arxiv.org Oct 24 2018
The potential for improving the penetration depth of optical coherence tomography systems by using increasingly longer wavelength light sources has been known since the inception of the technique in the early 1990s. Nevertheless, the development of mid‐infrared optical coherence tomography has long been challenged by the maturity and fidelity of optical components in this spectral region, resulting in slow acquisition, low sensitivity, and poor axial resolution. In this work ...
Multispectral photoacoustic microscopy and optical coherence tomography using a single supercontinuum source
Explore ScienceDirect May 1 2018
We report on the use of a single supercontinuum (SC) source for multimodal imaging. The 2-octave bandwidth (4752300 nm) makes the SC source suitable for optical coherence tomography (OCT) as well as for multispectral photoacoustic microscopy (MPAM). The IR band centered at 1310 nm is chosen for OCT to penetrate deeper into tissue with 8 mW average power on the sample. The 500840 nm band is used for MPAM. The ...
Mentions: Adrian G. Podoleanu University of Kent Adrian Bradu
Q-switched based supercontinuum source towards low-cost ultra-high resolution optical coherence tomography
Explore SPIE Digital Library Apr 16 2018 Broadband Sources
Supercontinuum (SC) light source is certainly one of the best option for ultra-high resolution optical coherence tomography (UHR-OCT). Over the last few years several demonstrations have been done for each commonly used wavelength range [1-2-3]. Nowadays, SC dedicated to UHR-OCT is a mature technology with turn-key commercially available system [4]. The new challenge to answer for SC source is the cost reduction one. In this study, we demonstrate that a ...
Two optical coherence tomography systems detect topical gold nanoshells in hair follicles, sweat ducts and measure epidermis
Explore Wiley Online Library Apr 15 2018 Dermatology
Optical coherence tomography (OCT) is an optical imaging technology that enables real time, high‐resolution, cross‐sectional and en face investigation of skin by detecting reflected broad‐spectrum near‐infrared light from tissue. OCT provides micron‐scale spatial resolution and millimeter‐scale depth of penetration [1]. Several commercial OCT systems with handheld probes targeted for Dermatology are now available [2].
In-vivo detection of the skin dermo-epidermal junction by ultrahigh resolution optical coherence tomography
Explore SPIE Digital Library Mar 20 2018 Dermatology
The human skin is comprised by two layers; epidermis and dermis, separated by the dermo-epidermal junction (DEJ). The relevance of depicting DEJ and measurement of the epidermal thickness (ET) is e.g. seen for superficial skin cancers where delineation of DEJ is of prime prognostic importance. Another example is diagnosis of psoriasis where a thickened epidermis and a ridged DEJ is a hallmark. Histopathological examination of biopsied tissue is traditionally ...
Q-switch-pumped supercontinuum for ultra-high resolution optical coherence tomography
In this Letter, we investigate the possibility of using a commercially availableQ-switch-pumped supercontinuum (QS-SC) source, operating in the kilohertz regime, for ultra-high resolution optical coherence tomography (UHR-OCT) in the 1300nm region. The QS-SC source proves to be more intrinsically stable from pulse to pulse than a mode-locked-based SC (ML-SC) source while, at the same time, is less expensive. However, its pumping rate is lower than that used in ML-SC sources ...
2nd Canterbury Conference on Optical Coherence Tomography
Explore ubaphodesa.com Sep 20 2017
...icipants of the conference and especially congratulate, Sophie Caujolle (3rd) from the University of Kent and NKT Photonics, Mikkel Jensen (2nd) from the Technical University of Denmark and Danielle Harper (1st) from the...
Mentions: Université Pierre et Marie Curie Thorlabs George M. Dobre
Supercontinuum light source
Explore uspto.gov Sep 19 2017 Patents , Broadband Sources
A supercontinuum light source includes a microstructured optical fiber, and a feeding unit arranged for feeding pump pulses to the microstructured optical fiber, wherein the feeding unit comprises a picosecond laser and one or more amplifiers, wherein the microstructured optical fiber is a silica fiber wherein at least a part of the core being of silica or doped silica, and including a core including core material and a cladding surrounding ...
Label-free three-dimensional imaging of Caenorhabditis elegans with visible optical coherence microscopy
Explore Journals | PLOS Jul 20 2017 Microscopy
...lumination and detection paths [25, 31]. The broadband spectrum from a supercontinuum source (Koheras SuperK, NKT Photonics) is bandwidth-limited to a wavelength range of Δλ ≃ 160 nm centered at λ = 590 nm, resulting in ...
Mentions: National Institutes of Health Thorlabs Cambridge Technology
NKT Photonics to acquire Onefive, a leading supplier of ultrafast lasers
Explore Optical Coherence Tomography News Jul 6 2017 Acquisition , Other Business News
...eadquartered in Denmark, have manufacturing sites in Germany and the UK, and a global sales and service team. NKT Photonics is wholly owned by NKT A/S. NKT Photonics has entered into an agreement to acquire Onefive, a le...
Mentions: NKT Photonics Fianium
New SuperK MIR brings supercontinuum into the mid-IR
Explore NKT Photonics Jun 26 2017 Other Business News , Broadband Sources
...her sources from NKT Photonics, the laser is ready as soon as you switch it on and is easy to operate through NKT Photonics unified laser control software, CONTROL. Supercontinuum Product Line Manager Jesper Toft Olsen a...
A comparative study of noise in supercontinuum light sources for ultra-high resolution optical coherence tomography at 1300 nm
Explore Conference Proceedings Mar 18 2017 Broadband Sources
Supercontinuum (SC) light is a well-established technology, which finds applications in several domains ranging from chemistry to material science and imaging systems [1-2]. More specifically, its ultra-wide optical bandwidth and high average power make it an ideal tool for Optical Coherence Tomography (OCT). Over the last 5 years, numerous examples have demonstrated its high potential [3-4] in this context. However, SC light sources present pulse-to-pulse intensity variation that can limit ...
Supercontinuum light source, a system and a method of measuring
Explore uspto.gov Nov 29 2016 Patents , Broadband Sources
A supercontinuum light source comprising an intermediate supercontinuum light source and a single mode coupling unit, an optical measurement system comprising such light source, as well as a method of measuring are described. The supercontinuum light source comprises a pulse frequency multiplier to increase the repetition rate and the single mode coupling unit is arranged to dampen and shape the spectrum from the intermediate supercontinuum light source to allow measurements ...
About NKT Photonics
NKT Photonics A/S designs and manufactures commercial and industrial class specialty microstructured fibers and high power fiber amplifiers. The company also designs and manufactures fiber-based industrial systems such as supercontinuum lasers and ultra precise DFB fiber lasers. The mentioned products are produced under the brand names CRYSTAL FIBRE, aeroLASE™, SuperK™ and KOHERAS™. These systems are commercially deployed in material processing, bio-photonics, metrology, optical sensors, coherent communications, test and measurement, high resolution spectroscopy and LIDAR markets. NKT Photonics has its headquarters in Denmark. Sales & services offices are in the USA, Germany and France. NKT Photonics is wholly owned by the Danish industrial conglomerate NKT Holding A/S.
Marie Curie Early Stage Researcher/PhD Studentships in Optics/Photonics
14 articles also mentioned Adrian G. Podoleanu
European Commission backs biophotonics 'FAMOS' consortium with €10.1M for project to develop new lasers for earlier, better diagnosis of major diseases
12 articles also mentioned Technical University of Denmark (DTU)
Utra-fast fibre lasers, dopey photons... what's next?
8 articles also mentioned Fianium
Will 2011 be seen as a "Tipping Point" for Industrial Contribution to the Advancement of the Field of Optical Coherence Tomography?
8 articles also mentioned Thorlabs
Quotes about NKT Photonics
The progression to 1 um extreme resolution imaging is an exciting advancement for our Envisu R-Class research product line...The importance of this innovation is that it offers researchers true cellular-level in vivo optical histology. This Extreme High Resolution (XHR) capability is unlocked only by the combination of Bioptigen's patented spectrometer and signal processing technologies with the NKT Photonics SuperK supercontinuum source.
Eric L. Buckland in Bioptigen introduces 1 µm resolution SD-OCT imaging system in collaboration with NKT Photonics supercontinuum white light laser source at ARVO conference in Seattle
NKT Photonics is delighted to collaborate with Bioptigen to demonstrate the capability of our SuperK EXTREME fiber lasers integrated into high performance OCT systems
In Bioptigen introduces 1 µm resolution SD-OCT imaging system in collaboration with NKT Photonics supercontinuum white light laser source at ARVO conference in Seattle

redpajama_set_name: RedPajamaCommonCrawl


TIP! After buying coffee beans, don't leave them in the same bag you bought them in. The key is to put them into a container that shields them from light and air.
So just what does it take to brew that perfect cup of coffee? Of course, people have different tastes, but there are some common things you can do to improve your coffee. Read this article to learn how to make that delicious cup of coffee.
Coffee prices and quality are positively correlated. Making great coffee requires a high initial outlay in the form of beans and equipment, so don't skimp if you want great coffee day after day. Skimping on the quality of your coffee will always lead to a disappointing beverage.
TIP! Any water that you utilize with your coffee maker should be clean, fresh and pleasant-tasting. You will get a better cup of coffee if you use good water.
Consider using Stevia instead of sugar in your coffee if you're watching your weight or suffer from diabetes. Stevia is low in calories and a natural product that does not raise glucose levels. Stevia can commonly be found in upscale grocery stores and stores that sell health food.
TIP! If you buy some coffee at the cafe it might be pricey, but you can do this every now and again. For a sumptuous topping, why not use flavored whipped creams, chocolate shavings or ground nutmeg.
If you prefer to purchase whole coffee beans, do not grind the beans ahead of time. This is due to coffee losing its flavor after being ground. Don't grind your coffee too far ahead of time or you'll soon be enjoying very weak coffee.
TIP! Proper coffee storage is crucial to protecting the quality of your beans. Fresh beans absorb other flavors and lose their own if they're exposed to heat and light.
Do not reheat coffee that has been brewed already. Contrary to some old wives' tales, reheating it will not produce any harmful chemicals. Coffee will not taste as good after about thrity mintues of being on heat. This will make it taste peculiar or bitter.
TIP! Do you want your coffee to taste sweet but you are not able to use sugar? One alternative is to add warm milk to your drink. Warm milk tends to be sweet naturally and you won't need any cream either.
You can choose from a variety of coffee types. Not everyone likes the same type of coffee, and most find that there is a wide variety of blends and flavors to choose from. Some like mild tastes, while others prefer the robust ones. Other people find that they prefer coffee flavored with tastes such as berries or savory nuts. Most folks will add flavored creamers to their coffee rather than buying coffee that is already flavored.
TIP! If you are disappointed in the coffee you are getting from your local supermarket, then it may be time to shop elsewhere. Supermarket coffee is not always of the highest quality and may sit on the shelf a while before selling.
You should ensure your coffee is stored in an airtight container within the fridge. When the container isn't airtight, odors and flavors from other foods can seep in. Improper storage can add moisture to your coffee.
If your coffee maker is aged or an economy model, brew hot water before you brew the actual coffee to get the most flavor. After you have a pot of water at a sufficiently hot temperature, put it back into the coffee machine. This helps provide the best flavor and very hot coffee.
TIP! Once you've brewed some coffee, you should immediately take the pot out of the coffee maker. By leaving the pot in, the coffee will continue to brew.
If you want good coffee, you have to use quality water. You may want to use bottled water to make your coffee. Although you may spend a lot using this method, you will see a huge difference with the taste of your coffee. If that seems too expensive for your budget, consider investing in a purifier. While it is not quite the same as bottled, your drink will also taste better than if the water came from the tap.
TIP! If iced coffee is your beverage of choice, then think about putting your French press in your refrigerator over night. This will chill down the machine for hours prior to using it in the morning.
Be sure the water you are using in your coffee maker is fresh, clean and tastes well. If the water is dirty, your coffee isn't going to taste good. You should always test out your water quality by taste before making your coffee with it.
TIP! Is milk something you like putting in your coffee? Milk can be added to coffee in any number of delicious ways. For a different texture, try warming or frothing the milk up before you put it in your coffee.
It's pricey but nice to have coffee at the local coffee house. There are dozens of different ways that you can enjoy your coffee, from sweet and frothy mixed drinks to hot and strong espressos.
TIP! Freeze any extra coffee you have in ice trays. When melted, these coffee cubes will create iced coffee that doesn't taste watered down.
The origin of the beans will determine what the coffee tastes like. Try out different blends and brews to find different tastes. Price shouldn't be the major factor in your choice, because you might get increased energy from different types and won't drink as much as you do of the weaker kind you're used to.
After reading this article, you can choose how you want to make your coffee from now on. Perhaps you want to make it a different way. Maybe you already love coffee, but are looking for a style change. Think about the tips presented here when you brew up your next pot of coffee.


text:
Q: i want to transmit data from avr to pc.whats wrong in below connection or code connection:
USB to TTL interface modules four pins:
1)0v-volt of avr
2)vcc-5 volt avr
3)TXD-TX of avr
4)RXD-RX of avr
and the USB to TTL serial interface module connected to PC using USB to RS-232 convertor DB9 cable.
below is the code:
    #include<avr/io.h>

void UART_transmit(unsigned char data);

int main(void)

{

    unsigned char i,message[]="i love india\r\n";
    DDRD=0x00;
    PORTD=0xFF;
    UCSRA=0;
    UCSRB=1<<TXEN; // transmitter enable
    UCSRC=1<<URSEL | 1<<UCSZ1 | 1<<UCSZ0; // 8 data bit, a stop, none parity
    UBRRH=0;
        UBRRL=5; // for 9600 baud at 1MHz

        while(1)

        {

        for(i=0;message[i];i++)

     {

        UART_transmit(message[i]);

        }

        } // while(1) end

        } // main() end

void UART_transmit(unsigned char data)
{
  while(!(UCSRA & (1<<UDRE)));
  UDR=data;
}

A: RX of each device must be connected to TX of the other, and vice versa, unless you are using a null modem cable, in which case your connections are correct.  You might try using a multimeter and google to determine if your connecting cable is straight or null-modem.
I also recommend that you revise your code as outlined in the manufacturer's application note AVR306: Using the AVR® UART in C.  This is the authoritative reference on setting up and using the UART on AVR microcontrollers.

redpajama_set_name: RedPajamaStackExchange


Kanchana 3 is an UpcomingTamil horror Revenge film directed by Raghava Lawrence, starring himself, Oviya and Vedhika in the leading roles.
Video game bad guy Ralph and fellow misfit Vanellope von Schweetz must risk it all by traveling to the World Wide Web in search of a replacement part to save Vanellope's video game, "Sugar Rush." In way over their heads, Ralph and Vanellope rely on the citizens of the internet -- the netizens -- to help navigate their way, including an entrepreneur named Yesss, who is the head algorithm and the heart and soul of trend-making site BuzzzTube.
The charismatic Sir Lionel Frost considers himself to be the world's foremost investigator of myths and monsters. Trouble is, none of his small-minded, high-society peers seems to recognize this. Hoping to finally gain acceptance from these fellow adventurers, Sir Lionel travels to the Pacific Northwest to prove the existence of a legendary creature known as the missing link.
In the near future, a weary Logan cares for an ailing Professor X in a hideout on the Mexican border. But Logan's attempts to hide from the world and his legacy are upended when a young mutant arrives, pursued by dark forces.
Once home to the most advanced civilization on Earth, Atlantis is now an underwater kingdom ruled by the power-hungry King Orm. With a vast army at his disposal, Orm plans to conquer the remaining oceanic people and then the surface world. Standing in his way is Arthur Curry, Orm's half-human, half-Atlantean brother and true heir to the throne.
A war-hardened Crusader and his Moorish commander mount an audacious revolt against the corrupt English crown.
When Alita awakens with no memory of who she is in a future world she does not recognize, she is taken in by Ido, a compassionate doctor who realizes that somewhere in this abandoned cyborg shell is the heart and soul of a young woman with an extraordinary past.
In 1934, Frank Hamer and Manny Gault, two former Texas Rangers, are commissioned to put an end to the wave of vicious crimes perpetrated by Bonnie Parker and Clyde Barrow, a notorious duo of infamous robbers and cold-blooded killers who nevertheless are worshiped by the public.
Light years from Earth, 26 years after being abducted, Peter Quill finds himself the prime target of a manhunt after discovering an orb wanted by Ronan the Accuser.
Many thousands of years in the future, Earth's cities roam the globe on huge wheels, devouring each other in a struggle for ever diminishing resources. On one of these massive traction cities, the old London, Tom Natsworthy has an unexpected encounter with a mysterious young woman from the wastelands who will change the course of his life forever.
In Depression-era London, a now-grown Jane and Michael Banks, along with Michael's three children, are visited by the enigmatic Mary Poppins following a personal loss. Through her unique magical skills, and with the aid of her friend Jack, she helps the family rediscover the joy and wonder missing in their lives.
Nels Coxman's quiet life comes crashing down when his beloved son dies under mysterious circumstances. His search for the truth soon becomes a quest for revenge as he seeks coldblooded justice against a drug lord and his inner circle.


text:
Participatory Action Research
Hal A. Lawson; James Caringi; Loretta Pyles; Janine Jurkowski; Christine Bozlak
Pocket Guide to Social Work Research Methods
As novel, complex social problems increase, especially those involving vulnerable people who reside in challenging places, the limitations of conventional research methods implemented by just one or two investigators become apparent. Research and development alternatives are needed, particularly methods that engage teams of researchers in real world problem solving while simultaneously generating practice- and policy-relevant knowledge. Research methods that effectively tap the expertise of everyday people, especially those impacted by these targeted social problems, are a special priority because academic researchers often lack experiential knowledge that stems from direct, everyday encounters with these vexing problems. Participatory action research (PAR) responds to these manifest needs. It provides a methodological structure and operational guidelines for preparing and deploying people from various walks of life as co-researchers, and it provides a proven strategy for generating practice- and policy-relevant knowledge as problem-solving in real world contexts proceeds.
1. Introducing Participatory Action Research
2. Child Welfare Participatory Action Research Design Teams for Workforce Reconfiguration, Organizational Innovation, and Policy Change .
3. Participatory Action Research with Youth
4. A Complex, Community-Based Participatory Action Research Design to Address Obesity in Young Children and Their Families
5. The Critical-Emancipatory Tradition of Participatory Action Research in Postdisaster Recovery Settings in the Global South
6. Summary Reflections and Lessons Learning
KEY WEBSITES FOR PARTIPATORY ACTION RESEARCH
Hal A. Lawson, Professor of Social Welfare and Professor of Educational Administration and Policy Studies, University at Albany, State University of New York, James Caringi, Associate Professor of Social Work, University of Montana, Loretta Pyles, Associate Professor, University at Albany, Janine Jurkowski, Associate Professor, University at Albany, and Christine Bozlak, Assistant Professor, University at Albany
New Paradigms in Public Policy
After Austerity: Welfare State Transformation in Europe After the Great Recession
Narrow Fairways: Getting By & Falling Behind in the New India
Contentious Minds: How Talk and Ties Sustain Activism
Research Methods for Social Workers: A Practice-Based Approach (3rd edition)
Building Better Social Programs: How Evidence Is Transforming Public Policy
Critical Multiculturalism and Intersectionality in a Complex Word (2nd edition)
Program Evaluation for Social Workers: Foundations of Evidence-Based Programs (7th edition)


Office: (626) Corporate Pl, ste C105, monterey Park, CA 91754, california State Contractor's License 993555.Diamond Bar, CA Date: 06/26/2012 Comments: I just wanted to call and let you know that Sam was very professional and fixed our garage door problem.Quality..
New Jersey, powerball, Mega Millions, asda 500 gift card 2017 Pick 6 Lotto, Jersey Cash 5, Pick 4, Pick.The website features extensive reviews of more than 200 games from all parts of the globe.The history of, powerball doesnt always abound..
Archived from the promo codes for carowinds season passes 2014 original on Retrieved eitsch, Richard.But, feeling like she may be enjoying this massage a little TOO much, Zoey abruptly suggests that she turn over.Chitkara Chiu Chiu-Hing Chiviva Chivracq Chkvaria Chlapowska..
Thats not what we wanted our holiday season to be about overloading our child with gifts until she has to shut down just to cope with the excess of stuff.
Dudley Dursleys footsteps and throwing a temper tantrum when they end up with 36 presents instead of last years.
Explain that every year, more and more kids are being born, and Santa is having trouble fitting bigger gifts in his sleigh.Download now: More Joy, Less Stress: 2017 Holiday Planner Your Turn If youve made the shift to 4 gifts for Christmas, what tips would you add?In my preschoolers words: I liked it when the whole town helped the family.You may find that everyones favorite gifts were the kind that give you treasured memories, not gifts that come from a store.But here are a few ideas I heard from other families who do incorporate Santa into their holiday traditions: Follow the 4-gift rule for gifts from you to your kids, then discount vouchers currys store give one special Santa gift.And for something to read, a set of classic Beverly Cleary paperbacks.Were so sure shell enjoy this mani-pedi in a jar gift so damn much.I love you, Mom and Dad.Our favorite subscription box for kids is from Kiwi Crates.Grandparents on both sides sent gifts.How do you handle Santa gifts?
Not just a catchy little rhyme, the 4-gift rule for Christmas promises to help keep your holiday season from devolving into a materialistic frenzy of more, more, more and helps you stick to a reasonable budget.
For more ideas, check out The Best Baby Board Books That Will Delight Your Baby (And You).
Because my oldest tends to devour fiction quickly and doesnt re-read it unless its an all-time favorite like Harry Potter, I try to gift books shell enjoy coming back to again and again, like how-to guides or project-based books.
Give them a book that transcends reading.May Christmas fill you with the kind of joy you give.Chapter books Because of Winn-Dixie, Harry Potter, The Penderwicks, The Underneath, and Wonder.On the other hand, some kids especially younger kids may change whats at the top of their wish list on a daily basis.I'm a mom of four, a recovering perfectionist, and the author of Happy You, Happy Family.This is such a fun DIY which your parents will actually be able to put to use.How can you get grandparents and extended family on board with limiting gifts?Also hell think of you every time he uses.The coffee grounds work as an amazing exfoliator.When I think about Christmas, I realize the best gift of all is you.Wrap a book with pictures.In our family, we try to go with a gift idea our preschooler has mentioned a few times rather than a gift idea she first heard about the week before Christmas.


text:
Assamese | Bengali |
Citizen Journalists
Home Neighbour Bhutan
Coronavirus: India sends first batch of hydroxychloroquine tablets to neighboring countries
by NEW DELHI
NEW DELHI , April 10, 2020 8:13 pm
Representational image of Hydroxychloroquine
India has dispatched the first batch of hydroxychloroquine (HCQ) tablets to neighbouring Bangladesh, Bhutan and several other countries including America, Brazil to fight against Covid- 19 pandemic.
"Neighborhood is important, so while dispatching the hydroxychloroquine drugs, we have kept our neighbours in mind," said Damu Ravi, joint secretary of the Ministry of External Affairs.
He said the first batch of hydroxychloroquine has already been dispatched and in the coming days second and third batch will be delivered.
Anti-malaria drugs, hydroxychloroquine is on demand by several countries to fight against Covid 19 pandemic.
India is the largest manufacturer of this drugs.
"While giving hydroxychloroquine tablets to other countries, we have kept in mind for keeping buffer stock for our use," said Laav Aggrawal, joint secretary in the Ministry of Health and Family Welfare.
He said that India has 3.28 crore of hydroxychloroquine tablets in its possession for the current month."We will produce more whenever the need arise," said Aggrawal.
India till date has registered 6761 positive Covid 19 case with 6039 still active. As many as 206 people have died and 515 people have also been cured from this infectious disease.
Mizoram: BJP releases list of candidates for Aizawl Municipal Corporation
Nagaland: NPF extends support to farmers' protest
Islamic State terrorists in India, worldwide using advanced secure messaging platform Threema
Nagaland felicitates Dzükou Valley firefighters
Northeast Now is a multi-app based hyper-regional bilingual news portal. Led by a group of professionals, the digital news platform covers every inch of the eight states of northeast India and the five neighbouring countries. It is the first of its kind new media initiative in the northeast, and is based in Guwahati. As the political dynamics in the northeast is intricate and fluid, Northeast Now is always politically neutral.
NORTHEAST NOW ASSAMESE
NORTHEAST JOBS
NORTHEAST TENDERS
INNFINITY
© 2019 - Maintained by EZEN Software & Technology Pvt. Ltd


In conjunction with these events, we will produce/publish the annual "Expressions" Caribbean American Magazine, a lovely printed publication with articles of interest, along with a bird's eye view of the Caribbean, its people and culture. These serve to make the magazine a source of reference thereby giving continuous exposure to the businesses that have advertized. It will also be available in PDF format for distribution all year-long.
In addition the magazine will be on the website for approx 2 years.


text:
Bhikkhu Bodhi's The Numerical Discourses of the Buddha: A Complete PDF
February 10, 2018 admin Buddhism Comments Off on Bhikkhu Bodhi's The Numerical Discourses of the Buddha: A Complete PDF
By Bhikkhu Bodhi
This much-anticipated quantity incorporates a complete translation from the Pali of the Anguttara Nikaya, the fourth choice of the canonical discourses of the Buddha. the first concentration of the Anguttara Nikaya is perform, which it treats from a wide-angle viewpoint, advancing from simple moral observances, during the pillars of brain education, to the top meditative attainments. The Anguttara can be special one of the Nikayas by means of its curiosity in forms of people, which it describes intimately and with memorable similes. The Numerical Discourses of the Buddha maintains Wisdom's Teachings of the Buddha sequence, which has been praised via students and practitioners alike for its fantastically awarded, very best quality, annotated translations of the phrases of the Buddha.
Read or Download The Numerical Discourses of the Buddha: A Complete Translation of the Anguttara Nikaya (Teachings of the Buddha) PDF
Similar buddhism books
Read e-book online The Misleading Mind: How We Create Our Own Problems and How PDF
Buddhism asserts that we every one have the capability to unfastened ourselves from the legal of our difficulties. As practiced for greater than twenty-six hundred years, the method comprises operating with, instead of opposed to, our melancholy, anxiousness, and compulsions. We do that by means of spotting the recurring methods our minds understand and react — the way in which they misinform.
Get Meaning of Orthodoxy in Buddhism: A Protest PDF
Steven Heine, Charles S. Prebish's Buddhism in the Modern World: Adaptations of an Ancient PDF
The background of Buddhism has been characterised via an ongoing rigidity among makes an attempt to maintain conventional beliefs and modes of perform and the necessity to adapt to altering cultural stipulations. Many advancements in Buddhist historical past, resembling the infusion of esoteric rituals, the increase of devotionalism and lay activities, and the assimilation of warrior practices, replicate the influence of frequent social alterations on conventional non secular constructions.
New PDF release: Early History of the Spread of Buddhism and the Buddhist
This paintings analyses the forces that helped within the propagation of Buddhism in India, and delineates the missionary actions of Buddha intimately. There are scholarly biographies of the good instructor touching by the way on issues attached together with his missionary actions. Such sketches, information which were laboriously gathered from the Buddhist scriptures and organized in this kind of method in order to allow one to work out the main points approximately Buddha's profession of their logical and chronological relatives so far as attainable, definitely have a cost within the eyes of students attracted to the historical past of the unfold of Buddhism.
Peace is Every Step
The Dhammapada: Buddhist philosophy
The Numerical Discourses of the Buddha: A Complete Translation of the Anguttara Nikaya (complete page)
Consciousness at the Crossroads: Conversations with the Dalai Lama on Brainscience and Buddhism
Paving the Great Way: Vasubandhu's Unifying Buddhist Philosophy
Additional info for The Numerical Discourses of the Buddha: A Complete Translation of the Anguttara Nikaya (Teachings of the Buddha)
Shamatha practice is based on an attitude of non-doing, expressed by a dignified sitting on the ground (the recommended posture, although you can also sit in a chair). You sit with a straight spine, your neck and arms are relaxed, and you rest your hands on your knees or over one another. Your eyes are open, and you breathe through both nostrils and mouth. 2. Once you've settled into the basic posture, you explicitly decide to "merely" follow what is going on without engaging in it. Since you have to keep breathing, your breath becomes a guideline or a track for your attention.
Once again, the quality of suspension, here inhibitory, would appear to be singular even while keeping pace with each step of the act of becoming aware. With this idea of suspending judgment we're very close to the general sense of the Husserlian epoche, or to the principle of the absence of presuppositions Husserl formulated in the Logical Investigations (§7, 1901). However, we have to admit that since Husserl stayed on the level of principles, he doesn't do justice to all the different qualities of suspension with which we're wrestling.
Accepting something is more passive than knowing something, even if this relative passivity is pushed into the background by our usual ways of thinking, our categorial filters, whose permanent activity can be difficult to suspend. In this sense The basic cycle you cannot rely on a conception of a passive and mechanical reflection when you are trying to describe the reflecting act. When you reflect, you are working with a mirror that is anything but passive or neutral. But you do have to abstain from immediately crushing your lived reality with your language and thought schemes, so that you can establish a zone of relative and provisional silence, and try to take off again from the way you relate to the reality of lived experience.
The Numerical Discourses of the Buddha: A Complete Translation of the Anguttara Nikaya (Teachings of the Buddha) by Bhikkhu Bodhi
Waltech Plastics E-books > Buddhism > Bhikkhu Bodhi's The Numerical Discourses of the Buddha: A Complete PDF


text:
Five things to know about Supreme Court nominee Brett Kavanaugh
Supreme Court nominee Brett Kavanaugh's mother, wife and daughters, along with two former presidents and his Catholic faith, all have helped to form the man and judge he is today.
Five things to know about Supreme Court nominee Brett Kavanaugh Supreme Court nominee Brett Kavanaugh's mother, wife and daughters, along with two former presidents and his Catholic faith, all have helped to form the man and judge he is today. Check out this story on thetowntalk.com: https://usat.ly/2uiTU2V
Richard Wolf, USA TODAY Published 10:16 p.m. CT July 9, 2018
At the White House, President Donald Trump announces his nomination of Brett Kavanaugh for the Supreme Court of the United States.(Photo: Jack Gruber, USA TODAY)
President Donald Trump nominated federal appeals court judge Brett Kavanaugh Monday to replace retiring Supreme Court Justice Anthony Kennedy.
Here are five facts about the 53-year-old judge and his career on the U.S. Court of Appeals for the District of Columbia Circuit.
Not the first
His mother, Martha, was the first Judge Kavanaugh in the family, having gone to law school during his youth in order to become a Maryland prosecutor and trial judge.
From Clinton to Bush
He was a whiz kid on independent counsel Ken Starr's staff in the 1990s as part of the investigation that led to President Bill Clinton's impeachment. Later, he became a White House counsel and staff secretary to President George W. Bush.
Memories of 9/11
His first date with his future wife, Bush's personal secretary Ashley Estes, was on September 10, 2001. The next morning, they were among those whisked out of the White House during the 9/11 attacks.
'Coach K'
That's his nickname on his daughters' Catholic Youth Organization basketball teams, which he coaches in his off hours. The real Coach K, of course, is Duke's Mike Krzyzewski.
A man for others
He took his Catholic upbringing at Georgetown Preparatory School to heart by serving meals to the homeless and mentoring underprivileged children. "I've tried to live that creed," he said Monday night.
A look at Supreme Court Justice nominee Brett Kavanaugh
Supreme Court nominee Brett Kavanaugh meets with Sen. Jim Inhofe, R-Ok, on Capitol Hill in Washington on July 26, 2018. Kavanaugh's confirmation hearing begins on Sept. 4, 2018. MICHAEL REYNOLDS, EPA-EFE
Brett Kavanaugh, speaks as he officiates at the swearing-in of Judge Britt Grant to take a seat on the U.S. Court of Appeals for the Eleventh Circuit on Aug. 7, 2018, at the U.S. District Courthouse in Washington. J. SCOTT APPLEWHITE, AP
Brett Kavanaugh arrives for a private meeting with Sen. Joe Manchin, D-W.Va., a member of the Judiciary Committee, on Capitol Hill in Washington on July 30, 2018. J. SCOTT APPLEWHITE, AP
Brett Kavanaugh sits in the stands during the 89th MLB All-Star baseball Game at Nationals Park in Washington on July 17, 2018. JIM LO SCALZO, EPA-EFE
Brett Kavanaugh on Capitol Hill in Washington on July 26, 2018. JACQUELYN MARTIN, AP
President Trump greets Brett Kavanaugh in the East Room of the White House in Washington on July 9, 2018. Watching is wife Ashley, with daughters Margaret, second from left, and Eliza. EVAN VUCCI, AP
Brett Kavanaugh laughs as he waits for the Senate subway train to take him to a meeting with Sen. Amy Klobuchar, D-Minn., on Capitol Hill in Washington on Aug. 21, 2018. JOSE LUIS MAGANA, AP
Brett Kavanaugh, departs after meeting with Sen. Chris Coons, D-Del., a member of the Senate Judiciary Committee which will oversee his confirmation, on Capitol Hill in Washington on Aug. 23, 2018. J. SCOTT APPLEWHITE, AP
Sen. Bob Corker R-Tenn. meets with Brett Kavanaugh in his office on Capitol Hill on July 18, 2018 in Washington. ALEX WONG, Getty Images
Brett Kavanaugh meets with Sen. Susan Collins, R-Maine in her office on Capitol Hill on August 21, 2018 in Washington. ZACH GIBSON, Getty Images
Brett Kavanaugh with his daughters basketball team which he coaches. CRC Public Relations via AP
Sen. Deb Fischer (R-NE) greets Judge Brett Kavanaugh as he arrives at her office prior to a meeting in the Russell Senate Office Building on July 12, 2018 in Washington, DC. Kavanaugh is meeting with members of the Senate after U.S. President Donald Trump nominated him to succeed retiring Supreme Court Associate Justice Anthony Kennedy. Alex Edelman, Getty Images
Supreme Court nominee Brett Kavanaugh, right, stands with Sen. Shelley Moore Capito, R-W.V., before the start of their meeting on July 12, 2018, on Capitol Hill in Washington. Cliff Owen, AP
Supreme Court nominee Brett Kavanaugh stands with Sen. Dan Sullivan, R-Alaska, before the start of their meeting on July 12, 2018, on Capitol Hill in Washington, . Cliff Owen, AP
President Donald J. Trump's Supreme Court Justice nominee Brett Kavanaugh and Republican Senator from Alaska Dan Sullivan, left, pose for members of the news media during their meeting. Michael Reynolds, EPA-EFE
Supreme Court nominee Brett Kavanaugh, center, serves macaroni and cheese to the homeless as he volunteers with Catholic Charities on July 11, 2018 in Washington. Alex Brandon, AP
Supreme Court nominee Brett Kavanaugh puts on his apron to serve meals to the homeless as he volunteers with Catholic Charities on July 11, 2018 in Washington. Alex Brandon, AP
Supreme Court nominee Brett Kavanaugh, Brett Kavanaugh (L), President Donald Trump's nominee to replace retiring Supreme Court Justice Anthony Kennedy, leaves a meeting with Sen. Orrin Hatch (R-UT) on Capitol Hill, July 11, 2018, escorted by former Senator Jon Kyl, left. Jack Gruber, USA TODAY
Supreme Court nominee Brett Kavanaugh meets with Sen. Orrin Hatch (R-UT) on Capitol Hill. Jack Gruber, USA TODAY
Brett Kavanaugh and Vice President Mike Pence walk up the steps of the Capitol to meet with senators in Washington on July 10, 2018. JIM LO SCALZO, EPA-EFE
(L-R) Senate Majority Leader Mitch McConnell (R-KY), Judge Brett Kavanaugh, Vice President Mike Pence and former Sen. Jon Kyl (R-AZ) pose for photographs before a meeting in McConnell's office in the U.S. Capitol, July 10, 2018 in Washington, DC. Chip Somodevilla, Getty Images
Senate Judiciary Committee Chairman Charles Grassley (R-IA) (L) and Judge Brett Kavanaugh arrive to talk with members of the news media after a meeting at the U.S. Capitol July 10, 2018 in Washington, DC. Chip Somodevilla, Getty Images
At the White House, Brett Kavanaugh speaks after being nominated by President Donald Trump for the Supreme Court of the United States. Jack Gruber, USA TODAY
Supreme Court Justice nominee Brett Kavanaugh, right, listens with wife Ashley and daughters, at the White House, President Donald Trump announces his pick to replace Justice Anthony Kennedy. Jack Gruber, USA TODAY
Judge Brett Kavanaugh, second right, if confirmed, will be President Donald Trump's second Supreme Court pick. Jack Gruber, USA TODAY
Brett Kavanaugh, a judge with the U.S. Court of Appeals for the D.C. Circuit, delivers the Commencement address for the Catholic University of America's Columbus School of Law on May 25, 2018 at the Basilica of the National Shrine of the Immaculate Conception in Washington, DC. Dana Bowler, The Catholic University of America
District of Columbia Circuit Court of Appeals nominee Brett Kavanaugh attends a news conference with Senate GOP leadership in the Capitol May 22, 2006 in Washington, DC. Chip Somodevilla, Getty Images
President George W. Bush, watches the swearing-in of Brett Kavanaugh as Judge for the U.S. Court of Appeals for the District of Columbia by U.S. Supreme Court Associate Justice Anthony M. Kennedy, during a ceremony in the Rose Garden of the White House, in Washington on June 1, 2006. Holding the Bible is Kavanaugh's wife Ashley Kavanaugh. PABLO MARTINEZ MONSIVAIS, AP
Brett Kavanaugh appears before the Senate Judiciary Committee on Capitol Hill in Washington on April 26, 2004. Dennis Cook, AP
Read or Share this story: https://usat.ly/2uiTU2V


text:
Q: Angular what is the best practice for adding providers to component I have built an Angular application which uses lazy loading. Throughout the application if there is a 1:1 relationship between a component and service I have structured my code as below:
@Injectable()
export class ContactFormService {
    ....stuff...
}

@Component({
  selector: 'app-contact',
  templateUrl: './contact.component.html',
  styleUrls: ['./contact.component.scss'],
  providers: [ ContactFormService ]
})
export class ContactComponent {
    ....stuff...
}

As you can see I've directly added the service as one of the providers, rather than using @Injectable({ providedIn: 'root' }).
At the time I thought it would help any potential issues around using a singleton, should this service be used in a different component and lose that 1:1 relationship.
The side effect that I have noticed is that when writing unit tests I have to add overrideComponent() to the configuration
I have to do this (NOTE: I have to override the provided service):
TestBed.configureTestingModule({
   declarations: [ContactComponent]
})
.overrideComponent(ContactComponent,
   { set: { providers: [{ provide: ContactFormService, useValue: contactFormServiceSpyObj }] }})
.compileComponents();

Instead of this:
await TestBed.configureTestingModule({
  providers: [
    { provide: ContactFormService, useValue: contactFormServiceSpyObj }
  ],
  declarations: [ ContactComponent ]
}).compileComponents();

This has made me wonder am I following a really bad practice? and if so, what circumstances would be suitable to inject a service in the way that I am doing so?
I understand that @Injectable({ providedIn: 'root' }) helps with the tress shaking process when building the application

A: I see nothing wrong with what you're doing - I also add services to component providers when I want them to be exclusive to the component instance (and possibly the children).
You should remember though to clean up resources on ngOnDestroy method in the service. (Yes, angular calls ngOnDestroy on services).
In situations where only one component instance is displayed at once I prefer a different approach to component provider.
I use a singleton service provided in root and call an initialization method of the service on the component ngOnInit. In that method I clean up any resources left over from previous component instance. That comes really handy when I'm using a single application wide state tree and I don't want to generate keys for each component separately.


Sorry, the Think Bauhaus! Part II is not currently available. To be notified when this class might occur again, please email suannehall@vinoandvangogh.com. Thank you!..
An exploration of abstraction with local painter & printmaker Luis Jaramillo.
This class will meet Every Tuesday Night (4, 11, 18, & 25) in November from 6:00-8:30 at Vino & van Gogh. One time payment includes materials.
Awaken your artistic sensibilities by participating in drawing & painting exercises used in the first foundation course taught at the Bauhaus by Johannes Itten.
Exercises which will stimulate your imagination and help you develop artistic know how.
Thrive in this one of a kind Bauhaus workshop dedicated to the development of a personal reservoir of "inner forms" by contemplation of natural objects.
During the first three weeks of class, after drawing from natural objects, you will begin making a series of spontaneous line drawings in India ink and charcoal.
From these drawings you will create a line motif. From the line motif you will create a more complex abstract composition.
For the final five weeks of the workshop dive into a rainbow of acrylic color! Create two abstract paintings!
Luis will show you how to mix specific colors to achieve your desired color, how to go from transparent to opaque and how to gauge whether a color is warm, or cool!
Use your drawings in India ink & charcoal as the basis of your full color acrylic paintings.
Throughout the workshop Luis will give demonstrations in creating an abstract work and several talks on the history of abstract art making.


text:
Naomi Wachira/ Seattle Women's Steel Pan Project
Sat, Nov 14, 2015 at 9pm
at Royal Room
Tickets: $10 advance/ $12 at the door
The Seattle Women's Steel Pan Project gives women and girls the opportunity to learn how to play and perform Caribbean steel drums and is dedicated to creating a space for women and girls in music through arts education.The project is based out of The Martin Luther King Community Center in Seattle and is a multi-generational, multi-ethnic women's Caribbean steel drum band. The project started in 2013 under the administrative direction of Oriana Estrada and the artistic direction of Michael Shantz. The professional performance group of SWSPP has been playing in Seattle for the past two years including venues such as Folk Life, The Moore Theater, Melt Down Festival, Festival Sundiata, Bellevue College and The Women Who Rock Conference.
Naomi Wachira: There's no doubt that there's a better future in store for Naomi, especially after her great breakout year in 2013. Named the Best Folk Singer in Seattle by alt publication Seattle Weekly and featured on their cover, Naomi became the toast of the town, which in turn led to a friendship with the much-loved indie songwriter Damien Jurado, who came onboard to produce this album. Other key collaborators that Naomi brought in, renowned Seattle bassist Evan Flory-Barnes, cellist Natalie Hall (Macklemore), drummer Darren Reynolds (Patrick & The Locomotive), and Latin percussionist Lalo Bello, all brought their own ideas to the accompaniment, guided by Jurado's desire to keep the music as vibrantly alive as possible. The result is Naomi Wachira's debut full-length, a portrait of a Kenyan artist at home in the Pacific Northwestern United States.
Please note: Tickets do not guarantee seating during shows at the Royal Room. For sold out shows standing room may be the only available space. Please come early to ensure you get a table. Reservations can be made for those who are coming for dinner as well as the show. The Royal Room is all ages until 10pm.
Royal Room
5000 Rainier Ave S
Wed, Jan 22 at 7:30pm
A Night with Nancy & Nicole: Original & Classic Jazz
Jokes Inside: A Comedy Show Benefitting the EEU
Fri, Jan 24 at 8pm
Tish's Red and Black Birthday Party
Sun, Jan 26 at 7pm
Robert Burns Tribute & Scottish Night
Tue, Jan 28 at 7:30pm
Jim Cutler Jazz Orchestra
Bruce Phares and Overton Berry
Thu, Jan 30 at 8:30pm
The Berries//Merz Band//Bad Luck//Great Spiders
Noche Bembe y Guaguanco with Elere and Omo Alagba
Sat, Feb 1 at 8:30pm
Oleaje Flamenco with Special Guests Ricardo Garcia, Stephanie Pedraza and Melissa Cruz
Sun, Feb 2 at 7pm
Bhavani and Friends
Mon, Feb 3 at 7pm
Jose 'Juicy' Gonzales Quintet
Tue, Feb 4 at 7pm
The Bartender
Wed, Feb 5 at 7:30pm
Genghis Barbie: 2 Legit World Domination Tour
Fri, Feb 7 at 8:30pm
J Dilla Birthday Party and Tribute, featuring Vitamin D and The Carlos Overall Quartet
Sat, Feb 8 at 5pm
Greta Matassa


This entry was posted on Tuesday, December 12th, 2017 at 1:38 pm	and is filed under San Diego NWR. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.


Of course, this is an example of a hammer or alternatively doji if the body of the candle is very "thin" (Japanese candlesticks). The same can be said for uptrends, i.e. the wick is up and the long candle occurs at the top of a trend. Then this may signal a reversal so that traders may begin to short the pair.
In my backtesting, I limited myself just to buying a Forex pair, not shorting (because the conclusions would be the same).
At first, we say that today the low of the last candle should be the lowest of the past 5 days (in order to indicate that the trend is down). Also, the difference between the high and the low of this day should be the highest of the past 3 days. Then we say that the lower wick today should be at least twice longer than the body of the candle and the upper wick must be rather short, less than half of the body. We buy on open on the next day.
We set a stop loss 15 pips below the today's low and calculate the take profit level in a bit artificial way: we add the total length of today's candle (i.e. the high minus the low) to today's high. This should make the risk/reward ratio to be at least 1.0 and also will indicate the market direction. As such, the strategy is extremely simple and perhaps I would not use it in practice but still it would teach us if the observations done by Forex traders are really true.
We test all the main Forex pairs in the period 1 January 2000 – 31 May 2018.
So, the results are positive at least (the profit factor is greater than 1.0). This shows that the strategy should really work. The pairs that led to positive income were: USDJPY, USDCHF, NZDCAD, NZDCHF, EURAUD, GBPCHF, EURCAD, GBPJPY, CADJPY, EURCHF, EURNZD, AUDCAD, AUDUSD, AUDJPY, EURUSD.
Most parameters have improved. On the other hand, the number of trades is lower so that this set-up occurs not very often.
The average time in market is certainly longer, as it should. The profit factor and the profit from a single trade have also slightly improved. This may confirm that weekly signals are more powerful (as we would expect considering a higher volume traded on a whole week in comparison with just one day). On the other hand, the improvement is not so significant.
How to use this strategy in practice: you can consider entering if this type of candle occurs. In addition, you can take into account other factors like touching a trendline etc.


Dirk Beyer, Adam J. Chlipala, Thomas A. Henzinger, Ranjit Jhala, and Rupak Majumdar.
In Proceedings of the 26th IEEE International Conference on Software Engineering (ICSE 2004, Edinburgh, May 26-28), pages 326-335, 2004.
We have extended the software model checker BLAST to automatically generate test suites that guarantee full coverage with respect to a given predicate. More precisely, given a C program and a target predicate p, BLAST determines the set L of program locations which program execution can reach with p true, and automatically generates a set of test vectors that exhibit the truth of p at all locations in L. We have used BLAST to generate test suites and to detect dead code in C programs with up to 30K lines of code. The analysis and test-vector generation is fully automatic (no user intervention) and exact (no false positives).
The Blast Query Language for Software Verification.
In R. Giacobazzi, editor, Proceedings of the 11th International Static Analysis Symposium (SAS 2004, Verona, August 26-28), LNCS 3148, pages 2-18, 2004.
BLAST is an automatic verification tool for checking temporal safety properties of C programs. BLAST is based on lazy predicate abstraction driven by interpolation-based predicate discovery. In this paper, we present the BLAST specification language. The language specifies program properties at two levels of precision. At the lower level, monitor automata are used to specify temporal safety properties of program executions (traces). At the higher level, relational reachability queries over program locations are used to combine lower-level trace properties. The two-level specification language can be used to break down a verification task into several independent calls of the model-checking engine. In this way, each call to the model checker may have to analyze only part of the program, or part of the specification, and may thus succeed in a reduction of the number of predicates needed for the analysis. In addition, the two-level specification language provides a means for structuring and maintaining specifications.
An Eclipse Plug-in for Model Checking.
In Proceedings of the 12th IEEE International Workshop on Program Comprehension (IWPC 2004, Bari, June 24-26), pages 251-255, 2004.
While model checking has been successful in uncovering subtle bugs in code, its adoption in software engineering practice has been hampered by the absence of a simple interface to the programmer in an integrated development environment. We describe an integration of the software model checker BLAST into the Eclipse development environment. We provide a verification interface for practical solutions for some typical program analysis problems --assertion checking, reachability analysis, dead code analysis, and test generation-- directly on the source code. The analysis is completely automatic, and assumes no knowledge of model checking or formal notation. Moreover, the interface supports incremental program verification to support incremental design and evolution of code.
CrocoPat 2.1 Introduction and Reference Manual.
Technical report UCB//CSD-04-1338, Computer Science Division (EECS), University of California, Berkeley, July 2004.
Also: The Computing Research Repository (CoRR), cs.PL/0409009, September 2004.
CrocoPat is an efficient, powerful and easy-to-use tool for manipulating relations of arbitrary arity, including directed graphs. This manual provides an introduction to and a reference for CrocoPat and its programming language RML. It includes several application examples, in particular from the analysis of structural models of software systems.
A tutorial and user's guide for CrocoPat, defines and explains the syntax and semantics of the extended language.


text:
Home › City Hall
Designer: Michael Keller
Publisher: Tasty Minstrel Games
City Hall sees players competing to become Mayor of New York City. They do this by attempting to be the most successful at both bringing people into the city as well as campaigning for the citizens' approval. Whoever best balances these two goals will win the election.
There are seven offices within City Hall. These offices deal with a different aspect of building the city or campaigning, such as the Tax Assessor, Surveyor, or Zoning Board. In a round, each player will get to activate one of these offices. However, just because you activate an office doesn't mean you will get to use it. The other players will have an opportunity to use their influence to steal control of the office away from you. Keeping it will require countering with your own influence. However, you can instead let another player control that office this round and add their influence to your own, giving you a leg up on controlling things later on.
In using these offices, players will buy land and build properties to create attractive neighborhoods that will bring the most people into the city – or they might place a factory next to an opponent's housing complex to drive people out. They will also tax their constituents to raise funds (with the option of sacrificing popularity to tax at higher rates), buy and sell influence to the Lobbyist, and campaign to increase their approval level.
At the end of the game, the citizens of the city will vote based on which player brought them in and that player's approval level. Special interest groups will also collect votes for players based on certain goals, such as Wall Street backing the player with the most money. Whichever player has the most votes on election day will become Mayor of New York and appoint his or her opponents to the Sanitation Department.
City Hall on Boardgamegeek.com


If you said to me that Matthew McConaughey was going to star in The Dark Tower films being made I'd instantly think he'd be playing Roland, the Stephen King series's protagonist. However, Variety is reporting that he's been offered the role of villain for the first film, The Gunslinger.
The Man in Black (aka Randall Flagg) is the evil sorcerer that Roland is chasing in the first installment of the twisting, massive series that is set to be a giant cinematic and televised universe. I think McConaughey is actually good for the role. On deeper thought his a bit too slick for Roland, but just slimey enough for Flagg. It's especially good casting for the first book, which is a kind of psychological sci-fi western that relies heavily on its characters.
Landing McConaughey for the role would be a huge boost for this series actually, finally getting done. Hopefully Sony can do it. The story also confirms that the first movie will be called The Gunslinger.


text:
Regenesys Business School is a private business schools based in Johannesburg, South Africa. The Regenesys Group includes Regenesys School of Public Management, Regenesys Foundation, MyWealth Investments, a loans department and having campuses in South Africa, Mumbai and Lagos. Regenesys India is also the first business school in India to give financial aid to students.

Academic programmes
Regenesys Business School has a focus on business management and public management and its accredited programmes include
 Master of Business Administration
 Master of Public Administration
 Postgraduate Diploma in Business Management
 Postgraduate Diploma in Public Administration
 Bachelor of Business Administration
 Bachelor of Public Administration
 Bachelor of Business Administration in Retail Management
 Bachelor of Business Administration in Credit Banking
 Higher Certificate in Business Management
 Higher Certificate in Business Management in Retail Management
 Higher Certificate in Business Management in Credit Banking
 Higher Certificate in Public Management

Corporate programmes

Regenesys Business School has a wide range of corporate programmes and includes programmes

 Executive Development Programmes
 Management Development Programmes
 Online Short Learning Programmes
 Skills Programmes
 Learnerships

Study abroad programmes

Regenesys has a number of international students and its programmes are open to international students who are encouraged to study in South Africa.

 Higher Certificate in Business Management (HCBM)
 Bachelor of Business Administration (BBA)
 Postgraduate Diploma in Business Management (PDM)
 Master of Business Administration (MBA)

Accreditation
Regenesys is accredited by the Council for Higher Education in South Africa. South African higher education institutions are accredited through the Council for Higher Education in South Africa  and Regenesys is accredited to offer its programmes, in accordance with the national quality standards.

Ranking
Regenesys is ranked as one of the top 50 business schools in South Africa. The school was given a ranking from the 2017 PMR.Africa rating. Regenesys was ranked business school for the second year in a row, overall above fellow esteemed tertiary institutions. The ratings are based on respondents who rate MBA/MBL graduates and students on 19 attributes or criteria, including: application of knowledge in the workplace, emotional intelligence, entrepreneurial skills, financial management, innovation, leadership qualities and strategic management. The survey was conducted in early 2016 among human resource managers, directors and line managers from corporate companies, national, provincial and local government departments, municipalities and state-owned enterprises.

Advisory boards
The Regenesys advisory board is a body that provides non-binding strategic advice to the management of the Regenesys group. The advisory council consists of 15 boards.

Spiritual and emotional intelligence
Regenesys programmes are based around the concepts of spiritual intelligence (non-religious) and emotional intelligence. These topics have become increasingly important in business management programmes. A holistic approach is practiced as the founder of the university was a monk.

Free business education
Regenesys launched an initiative to make free education possible without subsidies through using the Freemium business model.

The school has made four qualifications (Higher Certificate in Business Management (HCBM), Bachelor of Business Administration (BBA), Postgraduate Diploma in Business Management (PDBM) and Master of Business Administration (MBA), available at no charge. Students register and enroll online, download the study materials, study in their own time and take part in quizzes to test knowledge. Once these are passed, they receive a Certificate of Participation, which they can use for their portfolio.

Regenesys has also partnered with major organizations such as MTN Group. Pearson Education, India based Times of India Group, South African Department of Trade and Industry, Microsoft, Intel, Institute of Personnel Management and others to spread the free education initiative to a wide user base.

According to the school, many individuals have registered and are using the service.

References

Business schools in South Africa
Business schools in Lagos
Business schools in Mumbai
Distance education institutions based in South Africa
Schools in Johannesburg
Universities in Gauteng
Organizations established in 1998
Educational institutions established in 1998
1998 establishments in South Africa
Colleges in South Africa

redpajama_set_name: RedPajamaWikipedia


More and more patients place value on healthy and attractive teeth. In order to maintain them, the earliest possible care is essential.
DIAGNOdent aids in the detections of caries.
Even very small lesions are detected at the earliest stage, enabling you to protect and preserve the tooth substance.
The DIAGNOdent laser caries detection aid removes the doubt from treatment decisions regarding hidden caries or questionable stained grooves. The device's ability to see into occlusal pits and fissures enables dentists to treat sub-surface caries lesions with confidence. The following case studies demonstrate the DIAGNOdent's diagnostic advantage over conventional methods.
Ever Play Hide and Seek with Caries?
Within the decay model, the accuracy of diagnosing "hidden" occlusal caries is recognized to be a challenge. Your visual and radiographic evaluation can be significantly more accurate with the use of KaVo's DIAGNOdent caries detection aid.
Proven to be over 90% accurate.
Ideal adjunct to minimally invasive techniques (air abrasion, micro rotary instrumention, etc.).
Allows monitoring of caries progression. Small portable device which is simple to operate.
The DIAGNOdent Perio probe aids your detection and treatment of periodontal disease.
The majority of adults in our society have silver restorations on the chewing surfaces of their back teeth, particularly their molars.
Many of these fillings have been replaced with crowns. Behind a crown is the story of a tooth that was improperly formed years before it erupted. The tooth emerges through the gum with pits and fissures that are open and incompletely formed. Food and bacteria fill these grooves. The decay process begins, and cavities take hold. The tooth gets drilled and filled and before long refilled. There may even be a root canal, which is needed when decay or fracture reaches the nerve of the tooth. Each time the tooth is filled, its integrity is weakened and in the end it often fractures - hence the crown.
Microdentistry utilizes newer technologies such as Diagnodent, which is a simple laser diode to inspect your teeth. Reflection wavelengths are compared against a known healthy baseline wavelength to uncover decay. Diagnodent allows us to catch more area of decay sooner and with more precision. Early diagnosis helps prevent the spread of decay. Catching decay early, means fillings required are simpler and shallower, maintaining the integrity of the tooth. Instead of a large silver amalgam filling, the tooth is now conservatively filled with a tooth colored bonded preventive resin.
Microdentistry allows us to use minimally invasive decay removal procedures, such as drill-free air abrasion. First, a rubber dam is set in place to prevent debris from falling into the patient's mouth. A small handheld piece of equipment bombards the tooth area with a stream of aluminum oxide particles. These particles hit the tooth under high pressure, bounce off at high speeds, and consequently blast away any decay. Because of the tiny particles used, the technique is sometimes called micro-abrasion. Another name for it is kinetic cavity preparation, since the principle of kinetic energy gives the particles enough impact power to actually remove tooth structure and decay.


IT Consulting services in Dubai, UAE – We define, design and execute strategies that drive your business growth, reduce costs and create new revenue streams. We take a "big picture" approach, working with you to learn your business vision and goals, IT environment, skill requirements and policies. Then we develop short- and long-term strategies based on best practices to deliver measurable results.
Organizations are continuously trying to transform their business models to address changing customer needs, consolidate market positions and to expand into new segments and geographies. Moreover, globalization, digitization, shift in economic growth regions, changes in energy costs and adoption of newer technologies across industries are changing the dynamics of business faster than ever before. These changes in marketplace dynamics call for changes in business strategy and models which are provided by the best IT consulting services in Dubai.
Our Business Transformation Solutions help you come up with an operating model that delivers the desired business outcome at all scales. Our operating models are simple, flexible and resilient, helping you grasp business opportunities while also optimizing cost and productivity.
– Giving sustainable business value improvement, enhanced business performance and helps design and implementing target operating models.
– Improving alignment of business activities and spending across people, processes and technology, thereby building a more agile, efficient and effective organization with sustainable performance.
– Plan, report, analyze and improve corporate and business performance.
– Identifying new avenues for business growth, accelerate time to market and improve customer centricity with services across the product life cycle.
– Aligning supply chain needs with your business strategy to get measurable near-term gains and long-term transformation improvements across the supply chain.
– Analyzing and transforming your Customer Relationship Management initiatives utilizing a business value and metrics-based perspective to drive revenue growth, improve margins, improve competitive positioning, enhance brand and customer loyalty and improve asset efficiency.
For any sort of IT Consulting services in Dubai, contact us today @ +971 4386 6001/12 or you may reach us at [email protected]vrscomputers.com for any kind of IT services.


Well...my daughter is home from University and so we've made a few changes this weekend. My studio has moved back upstairs and her space has moved down. Change is always good for me as I tend to pare down and to be reminded of why I don't need things which I sometimes desire so much that it creeps into my every thought. And yet, once I simplify I feel content and at peace. It's a good feeling.
The 52 WEEKS PROJECT has been taken down and packaged up, they certainly don't take up much room like this (in the closet on the bottom right photo), and I don't have much work left at home with exhibits in four galleries and at the library. I'm odd in that I feel overwhelmed when there is too much around me and then I forget how much I've accomplished when it's all being exhibited. But I have to admit I am beyond grateful to have so many wonderful opportunities to share my work.
There are a number of reasons I love painting upstairs...the light, the proximity to the kitchen so that I can prepare meals for my family while still painting, and I'm working on another project (can't wait to share) so it's easy to pop in and out throughout my evenings as well.
Our house will feel a little lighter in fall when our daughter heads back to school as she will be taking furniture with her this time. I will try to remember not to fill the spaces immediately and just live with what is there for awhile. I often find ways to repurpose or reuse items already in the house when I don't rush. Plus, and this is a terrific bonus, it's much easier to clean which means even more creative time for me. And it doesn't get better than that.


text:
Live Discussion with Ngor Lur Mayol – Former Lost Boy of Sudan
« Legends of Jazz Presents Chick Corea's Light as a Feather
Gallery Exhibit: The Potter's Hands »
Join Mike Buchanan and Ngor Kur Mayol as they discuss Mayol's journey and inspiring story of survival and perseverance as a former Lost Boy Of Sudan.
Discussion to be held on February 10 at 7 PM in the Community Room inside Alpharetta's City Hall at 2 Park Plaza, Alpharetta, GA 30005.
Ngor Kur Mayol, came to the U.S in 2001 from a refugee camp in Kenya after Sudanese forces began attacking his home and the surrounding villages in South Sudan. Five years later, after the end of the second civil war in his home country, he was able to return home where he noticed an immediate need to create and begin partnering with other non-profits that have helped make primary education more accessible in South Sudan. There, it is estimated that only 2% of boys and 1% of girls graduate from primary school, and 90% of adults cannot read or write. In 2013, their efforts opened the doors on the first model, permanent, primary school in South Sudan where as many as 400 students attend the school, ranging from ages 5 to 20, in grades 1 through 5.
Arts, Workshops


text:
Independent Review of Principles-Based Valuations
All Drafts » Home » Independent Review of Principles-Based Valuations
Document Status: Discussion Draft
2.1 Certifying Actuary
2.2 Credibility
2.3 Margin
2.4 PBA Review Actuary
2.5 Qualified Opinion
2.6 Risk Profile
3.3 Appointment & Qualifications
3.3.1 Acceptance Letter
3.3.2 Discussions with Previous PBA Review Actuary
3.3.3 Engagement Letter
3.3.4 Qualification Requirements
3.3.5 Independence
3.3.6 Employment
3.3.7 Financial Interests
3.3.8 Rotational Requirement
3.3.9 Code of Professional Conduct
3.4 Understand Company Risk Profile
3.5 Evaluation of Material Risks
3.6 Appropriate Methods
3.7 Reasonable Models
3.8 Supportable Assumptions
3.9 Supportable Margins
3.10 Additional Data and Analysis
3.11 Relationship with the Certifying Actuary
3.13 Opinions
3.14 Cooperation with Insurance Regulator
3.15 Reliance on Others for Data, Projections, and Supporting Analysis
3.16 Reliance on Other Reviewers
4.1 PBA Review Opinion
4.2 PBA Review Report
4.3 Deviation from Standard
4.3.1 Material Deviations to Comply with Applicable Law
4.3.2 Other Material Deviations
Appendix – Background and Current Practices
A proposal for an actuarial standard of practice associated with current regulatory work on principles-based reserve review opinions is currently in development by the Task Force on Independent Review of Principles-Based Valuations of the Life Committee of the Actuarial Standards Board. This discussion draft is a result of that work and is intended to be consistent with draft regulations and actuarial guidelines on this topic that were recently exposed by the Life and Health Actuarial Task Force of the NAIC. Please note that it is a work in progress and many changes are likely.
The Actuarial Standards Board (ASB) has not used Discussion Drafts in the past. It has authorized the Task Force on Independent Review of Principles-Based Valuations to distribute this discussion draft to illustrate how an actuarial standard of practice (ASOP) might work in conjunction with a model regulation on Principles Based Reserves Review Opinions. The ASB has neither reviewed nor approved this Discussion Draft. This is not an Exposure Draft.
The Task Force expects to create an Exposure Draft after discussions with interested parties and adoption of a Model Regulation by the NAIC. That Exposure Draft (which will draw on the ideas in this discussion draft modified by discussions with interested parties and unfolding events) will go through the normal ASOP process:
1. The Task Force (TF) will submit the Exposure Draft (ED) to the Life Operating Committee (LOC).
2. The LOC will revise the ED and submit it to the ASB.
3. The ASB will revise the ED and release it to all actuaries and other interested parties for comment. The ASB has the final authority with respect to actuarial standards of practice.
4. Following the end of the exposure period the TF will revise the ED based on comments received and produce a proposed ASOP or a second ED (depending on the amount of change). This document will follow the same process as the original ED (and even if submitted as a proposed ASOP may be changed to a second ED by the LOC or the ASB).
5. The ASOP will become effective only after final approval by the ASB.
At this time, comments on the discussion draft received by the TF will not be shared with the ASB but may be used by the TF as input. Also, note that the discussion draft may undergo substantial change as it is being developed, at the sole discretion of the Task Force.
This actuarial standard of practice (ASOP) provides guidance to actuaries when performing professional services in connection with a PBA review opinion as required by the NAIC Principles-Based Reserves Review Opinion For Life Products Model Regulation (hereafter, the PBA Review Model) or other law or regulation with comparable provisions. In this context, "principles-based approach" means an approach to calculating statutory reserves for life insurers including fraternal benefit societies as defined in the Principles-Based Reserves for Life Product Model Regulation (hereafter, the PBA Reserve Model).
This standard applies to actuaries when performing professional services on behalf of life insurers, including fraternal benefit societies, in connection with a PBA review opinion as required by the PBA Review Model or other law or regulation with comparable provisions.
The actuary should comply with this standard except to the extent it may conflict with applicable law (statutes, regulations, and other legally binding authority). If compliance with applicable law requires the actuary to depart from the guidance set forth in this standard, the actuary should refer to section 4.3 regarding deviation from standard.
When this standard refers to the provisions of other documents, the reference includes the referenced documents as they may be amended or restated in the future, and any successor to them, by whatever name called. If any amended or restated document differs materially from the original referenced document, the actuary should consider the guidance in this standard to the extent it is accurate and appropriate.
This standard will be effective for work performed on or after four months after adoption by the Actuarial Standards Board.
An actuary who meets the qualifications defined in the PBA Reserve Model, and who has certified that the reserves have been calculated in a manner consistent with the PBA Reserve Model and complies with all applicable actuarial standards of practice.
A measure of the predictive value in a given application that the actuary attaches to a particular body of data (predictive is used here in the statistical sense and not in the sense of predicting the future).
An amount applied to anticipated experience in order to derive a prudent estimate assumption to provide for estimation error and adverse deviation. The margin should be directly related to the level of uncertainty in the behavior or phenomenon for which the prudent estimate assumption is made, whereby the greater the uncertainty, the larger the required margin, with the margin added or subtracted as needed to produce a larger reserve than would otherwise result without it.
An independent and qualified actuary who is retained by the board of directors of the company or its designee to render a PBA review opinion.
A PBA review opinion that contains a statement that the PBA review actuary disagrees with a material aspect of the actuarial judgments of the certifying actuary.
The types of potential future events to which a company's reserve adequacy is particularly vulnerable, and the degree of such vulnerability.
The primary focus of the PBA review is to evaluate the appropriateness of the actuarial judgments made by the certifying actuary. The PBA review actuary should review the data and analysis used by the certifying actuary to form the actuarial judgments in the PBA valuation. The PBA review actuary should review the data and analysis in sufficient depth to develop an understanding of the degree of rigor of the certifying actuary's analysis. The PBA review actuary would not normally perform recalculations of the PBA valuation, develop independent analysis, check the control processes related to the valuation or validate the model used in calculating reserves. The PBA review actuary is not responsible for forming an opinion as to whether reserves are adequate to cover future policyholder benefits and expenses.
The PBA Review Model contains detailed instructions, requirements and specifications regarding the PBA review. Actuaries providing professional services within the scope of this standard should be knowledgeable of the PBA Review Model, any applicable state law based on the PBA Review Model, and this standard. The PBA review actuary should also be knowledgeable of the PBA Reserve Model.
The PBA Review Model contains detailed requirements regarding the appointment and qualifications of the PBA review actuary. Some of these requirements are the responsibility of the company, and some are the responsibility of the PBA review actuary. The responsibilities of the PBA review actuary include the following:
The PBA review actuary, on accepting the PBA review assignment, should provide an acceptance letter to the company suitable for filing by the company with the commissioner of its state of domicile. The letter should indicate that the PBA review actuary is independent and qualified.
The previous PBA review actuary should make himself or herself available to the newly appointed PBA review actuary to discuss and share documentation of the previous PBA review and, in particular, any issues identified. The Code of Professional Conduct, Annotation 10-5 should be reviewed by both PBA review actuaries as the code contains guidance regarding the interaction between the previous and newly appointed PBA review actuary.
The PBA review actuary should have a written engagement agreement with the company specifying the terms and conditions of employment. This engagement agreement should be separate from agreements for other assignments for the company performed by the PBA review actuary or by his or her firm.
The PBA review actuary should satisfy the requirements for appointed actuary as specified in the Actuarial Opinion and Memorandum Regulation and by the American Academy of Actuaries, including being a member of the American Academy of Actuaries (MAAA).
The PBA review actuary should satisfy the Qualification Standards for Prescribed Statements of Actuarial Opinion promulgated by the American Academy of Actuaries.
The PBA review actuary should be knowledgeable of current methods and processes for calculating principles-based reserves and should be familiar with all appropriate standards of practice that apply to principle-based reserves.
The PBA review actuary should take any appropriate steps required to document that he or she is independent of the work he or she is reviewing. The PBA review actuary should be certain that he or she is not functioning in the role of company management. In addition, the PBA review actuary should not have participated in the work being reviewed, and should not, while serving as review actuary for a company, serve in an advocacy role for that company. In this context, advocacy would include representing the company before any regulatory body or any involvement in the sales process either directly to consumers or through third parties.
The PBA review actuary must not have been employed by the company or an affiliate of the company in the three years preceding the date of valuation. The PBA review actuary must not be an employee of the same consulting firm or audit firm as the appointed actuary or certifying actuary.
The PBA review actuary should not have any material financial interests as a shareholder or other financial interests in the company for which the actuary is performing the review, other than as a policyholder, beneficiary, or insured.
An actuary shall not provide a PBA review opinion for a company for more than five consecutive years. After terminating the role of PBA review actuary for a company, an actuary shall not be reappointed as PBA review actuary for that company until five years have elapsed.
The PBA review actuary should review the Code of Professional Conduct adopted by the American Academy of Actuaries particularly regarding any potential unresolved conflict of interest as described in the code.
The PBA review actuary should have adequate discussions with the certifying actuary to gain a thorough understanding of the company's material risks for products within the scope of the principles-based review. The PBA review actuary should review documentation of the certifying actuary's risk analysis including information as it relates to the review of the company's risk profile, products, business inforce, and risk management practices. If the company's documentation is complete and the company's risk profile is reasonably typical of the industry, this level of review would normally be sufficient.
The PBA review actuary should evaluate whether the certifying actuary has reflected all material risks in the PBA valuation, review any sensitivity testing to evaluate the significance of the material risks, and document this evaluation. The PBA review actuary should discuss the evaluation of material risks with the certifying actuary.
The PBA review actuary should consider the methods used to calculate PBA reserves, including the use of stochastic and deterministic models. For products with material tail risk arising from sensitivities to changing economic conditions, stochastic modeling is required by the PBA Reserve Model unless certain defined conditions are met. For other products, a single deterministic scenario may be adequate to capture the risks of the product. The PBA review actuary should review the risk analysis developed by the company or the certifying actuary and determine whether the use of stochastic or deterministic models is appropriate for the company's products and is consistent with the provisions of the PBA Reserve Model. Further, the PBA review actuary should determine whether appropriate methods have been used to calculate the deterministic reserve and stochastic reserve as required for a PBA valuation.
The PBA review actuary should consider the appropriateness of the models used to calculate the PBA reserves. The PBA review actuary should perform a review of the models and consider the availability of in force data, mapping across product or fund characteristics, and model validation and reconciliation. The PBA review actuary should consider whether the model properly reflects the options and guarantees of the inforce policies and the assets included in the projection. The PBA review actuary should determine whether the models are reasonable and consistent with the provisions of the PBA Reserve Model.
The PBA review actuary should consider the appropriateness of the assumptions used to calculate PBA reserves. The PBA review actuary should review the company's experience studies and the development of the assumptions used in the PBA valuation. The PBA review actuary should compare the current assumptions with those of the prior year and recent experience. The PBA review actuary may rely on the company's experience studies in forming a view of the assumptions. The PBA review actuary should consider the credibility of the company's experience as well as available industry studies to evaluate the assumptions. The actuary should consider whether the valuation assumptions are internally consistent (for example, interest and inflation rates).
For assumptions that are not stochastically modeled, the PBA Reserve Model requires that the assumptions include a margin for uncertainty. The PBA review actuary should consider the margins added to the anticipated experience assumption to develop prudent estimate assumptions. The PBA review actuary should determine whether the margins used in the PBA valuation are consistent with the provisions of the PBA Reserve Model.
If the PBA review actuary is unable to form a view of the risk profile, methods, models, assumptions, and margins used in the PBA valuation based on the documentation provided by the certifying actuary and the company, the PBA review actuary should request additional data or analysis from the company.
The PBA review actuary should maintain a cooperative relationship with the PBA valuation actuary. If the PBA review actuary has concerns or unanswered questions about the PBA valuation, including the underlying assumptions and actuarial judgment therein, the PBA review actuary should first discuss and attempt to resolve these issues with the certifying actuary, prior to expressing these concerns to the Board of Directors or to regulators.
The PBA review actuary should create records and other appropriate documentation supporting his or her review and, to the extent practicable, should take reasonable steps to ensure that this documentation will be retained for a reasonable period of time (and no less than the length of time necessary to comply with any statutory, regulatory, or other requirements). The PBA review actuary need not retain the documentation personally; for example, the PBA review actuary's employer may retain it. Such documentation should identify the information reviewed and the methods used by the PBA review actuary in forming his or her opinion with sufficient clarity that another actuary qualified in the same practice area could evaluate the reasonableness of the PBA review actuary's work. The documentation supporting the PBA review actuary's report should be made available to the company, and if required, regulators.
The PBA review actuary should include in his or her documentation any data, documents, analysis or other information on which the PBA review actuary relied. The PBA review actuary should consider including the following items in the documentation:
a. the PBA review procedures followed;
b. the analysis performed;
c. the conclusions reached relevant to the PBA review and opinion;
d. planning documents, work programs and schedules;
e. memoranda, correspondence, confirmations, commentaries, and representations related to the assignment; and
f. any relevant information obtained and relied on in the process of forming a PBA review opinion.
If the PBA review actuary, based on the procedures performed, is able to form an opinion as to the reasonable application of actuarial judgment in the calculation of reserves as prescribed in a valuation performed under a principles-based valuation, then the PBA review actuary should issue an opinion stating that:
a. all quantifiable material risks are considered;
b. the methods used are appropriate;
c. the models used are reasonable for the purpose;
d. the assumptions used are supportable and appropriate;
e. the margins in the reserves are supportable and are consistent with the provisions of the model; and
f. with respect to these items, the requirements of the applicable insurance law and regulations and applicable actuarial standards of practice have been satisfied.
If the PBA review actuary's opinion is qualified, then he or she shall issue a qualified PBA review opinion explicitly stating the reasons for such an opinion. If after completing the procedures outlined in this standard the PBA review actuary is unable to form an opinion as to the reasonable application of actuarial judgment in the calculation of reserves, he or she shall refuse to issue a PBA review opinion.
If the PBA review actuary identifies a material issue with the PBA valuation that can not be satisfactorily resolved with the company prior to the filing date of the annual statement, then he or she shall immediately notify the domiciliary commissioner. Such notification shall specify the nature of the problem and the differences that gave rise to the issue. The PBA review actuary should provide a copy of any such notification to the company.
The PBA review actuary should cooperate with any insurance regulator, taking steps necessary to satisfy him or her regarding any inquiries with respect to the PBA review.
The PBA review actuary may rely on data, projections, and supporting analysis supplied by others. In doing so, the PBA review actuary should disclose in the PBA review report both the fact and the extent of such reliance. The accuracy and comprehensiveness of data, projections, and supporting analysis supplied by others are the responsibility of those who supply the data, projections, and supporting analysis.
The PBA review actuary may rely on other reviewers for a portion of the PBA review opinion. The actuary may rely on another qualified actuary who has, for a particular segment of the business, conducted some or all of the evaluations and reviews described in this standard. However, the relying actuary should be satisfied that the other actuary's evaluation was performed in accordance with this standard. The actuary should document the extent of such reliance in accordance with section 4.1.
The PBA review actuary should issue a PBA Review Opinion, as required by the PBA Review Model[1], expressing the PBA review actuary's opinion with respect to the subjective judgments made by the certifying actuary in developing the PBA reserves. The form of the PBA Review Opinion is specified in the PBA Review Model.
The PBA Review Model requires that the PBA review actuary prepare a PBA review report to be filed with the company's board of directors. The form of the PBA review report is specified in the PBA Review Model.
If, in the actuary's professional judgment, the actuary has deviated materially from the guidance set forth elsewhere in this standard, the actuary can still comply with this standard by applying the following sections as appropriate:
If compliance with applicable law requires the actuary to deviate materially from the guidance set forth in this standard, the actuary should disclose that the assignment was prepared in compliance with applicable law, and the actuary should disclose the specific purpose of the assignment and indicate that the work product may not be appropriate for other purposes. The actuary should use professional judgment to determine whether additional disclosure would be appropriate in light of the purpose of the assignment and the intended users of the actuarial communication.
The actuary's communication should disclose any other material deviation from the guidance set forth in this standard. The actuary should consider whether, in the actuary's professional judgment, it would be appropriate and practical to provide the reasons for, or to quantify the expected impact of, such deviation. The actuary should be prepared to explain the deviation to a principal, another actuary, or other intended users of the actuary's communication. The actuary should also be prepared to justify the deviation to the actuarial profession's disciplinary bodies.
The PBA Review Model Regulation contains detailed instructions, technical requirements, and prohibitions regarding many aspects of principles-based reserves.
[1] As stated in Model sections