text:
Clients happy to speak to advisors as lenders embrace digital streamlining, says mortgage expert
Mortgage expert Henry Woodcock believes the majority of people want to speak to an adviser about their arrangement but that lenders are investing heavily in their digital offerings in a bid to streamline the process.
His comments come after it was revealed that half of lenders already -- offer, or are set to launch -- a digital self-service channel, according to the IRESS Mortgage Efficiency Survey.
The sixth annual survey took a detailed look at the responses of 21 lenders, with a combined 52% share of gross mortgage lending.
The results show that 80% of lenders quizzed now provide affordability checks, and 66% provide a decision in principle, via mobile. More than half (53%) offer, also via mobile, full mortgage applications as well as case tracking.
A significant increase in active Twitter and LinkedIn engagements compared to 2016 shows lenders are also increasingly seeing social media as an vital tool for engagement with both intermediaries and consumers.
The intermediary channel continues to dominate the mortgage market, says the survey, with 80% of sales now going through this channel and three quarters (75%) of lenders experiencing an increase in the number of applications submitted by brokers over the last year. All other channels have seen a reduced level of activity, with branch sales seeing the largest drop of 37% on 2016 figures.
Mr Woodcock, principal mortgage consultant at IRESS, said believed that there would be a significant increase in the embracing of technology to deliver a more efficient mortgage service, with digital upgrading very much on the agenda across the industry.
After reviewing the survey, he said: "Mobile is now a given for lenders, providing the end consumer with research, quotation, affordability and case tracking tools through this medium, irrespective of the channel they end up applying through.
"While the market itself is likely to grow modestly in 2018, we expect a far greater increase in mortgage tech to streamline processes for consumers.
"We anticipate continued and significant investment by lenders in digital offerings with the digital upgrading of the house buying journey through the removal of manual processes and connectivity to associated services such as real-time affordability checking and conveyancing."
He concluded that the challenge over the next few years will be in "joining up all the elements and third parties in the mortgage ecosystem to provide a transparent and seamless end to end process across all channels to market".
Written by Falbros
LinkedInFacebookGoogle+Twitter
Falbros welcome Landbay's new network partnership with CFBUK
Falbros executive Ewen: Race is on as stamp duty holiday clock ticks down
New recruit Baillie will prove to be invaluable to team at Kent Reliance, says Cockerill
Goodall's delight as Landbay doubles volumes in six months to hit £100 million milestone
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.
Falbros Ltd is authorised and regulated by the Financial Conduct Authority under reference number 745807.
Registered office: 1 Mayfair Place, London, W1J 8AJ. Registered in England Number 8147460.


Doors open at 11 --don't miss out!
Meow! will be open extra hours --until 9pm Friday night.
10 Carden St, Guelph. (519) 821-7442. Monday-Friday 12-6, Sat 10-7, Sun 12-5. MEOW! is a consignment clothing store, located in Guelph, Ontario, Canada. We specialize in clothing and accessories for stylish modern women who also appreciate classic fashions and vintage. Bags, wallets, jewelry, hats, shoes, vintage cowboy boots, vinyl records, gifts and more. MEOW! is very eclectic, with a fun decor and tons of unique, one-of-a-kind-finds! facebook group: Meow!


Though the outside of your home certainly matters, in the long run, it's really the inside that counts.
After all, that's where you'll spend the bulk of your time – where you'll eat, sleep, play, study and maybe even work from time to time.
If you want to do all these things enjoyably and comfortably, it's important you choose a home that has the right features and amenities … and long before you sign those closing papers.
Your lifestyle. What's your daily lifestyle like? Do you work from home? Do your kids need to study for tests and quizzes? Then you'll probably need a place with an office or library space. Love to cook? Choose a home with a big and modern kitchen – one with the latest and greatest built-in appliances. Listen to music during your family dinners? Then get a place with a built-in audio system. Make a list of all the things you and your household members do daily, as well as all the household features required to do them.
Your family's goals. What are your household's plans for the future? Are more kids on the horizon? If so, make sure your new place has enough room to grow into. Will you be doing a lot of DIY work? You may want a spacious garage or attic area to store all your tools and supplies in. Do you want to do a lot of entertaining with friends, family or neighbors? Choose a home with a large dining room, family room or game room. Get together with everyone in your household and make sure you're on the same page about what's down the road – and what your new home will require to get there.
Your financial situation. Certain amenities and features cost more than others. Two stories, for example, are going to cost more to cool and heat than smaller, one-story homes. It's just a fact. Additionally, things like large yards, swimming pools and even media rooms are going to take up a little more cash to set up, maintain and care for over the years.
Your DIY and cleaning skills. How handy are you and other members of your household? Remember older homes require more work and upkeep. You don't want to go buying a property with vintage fixtures and plumbing (though they're beautiful) if no one knows how to operate or fix them! Think about the floors, too. Carpet is going to need deep cleaning and vacuuming often. If you're not big on cleaning or household chores, you may want to opt for a place with tile, where a simple sweep can get the job down.
Your weather. Buying a home in a hot climate? Take into account the windows and doors. In the summer, more of these may allow you to let in a breeze, keep your home cool and lower your AC bills. On the opposite end of the spectrum, you probably don't want too many windows or doors in a cold climate; that means higher heating bills and a colder home overall in the winter.
Your furniture. Unless you're planning on buying all new furniture for your new home, you'll want to take into account your existing items before purchasing a property. Some furniture will lend itself better to a more spacious, open floor plan, while other types will be better suited for more segmented layouts. Keep your furniture in mind when viewing a home online or touring it in person. If you're forced to buy more furniture after your purchase, it means even more up-front cash out-of-pocket.
It's pretty rare to find a home that has every single feature you're looking for – especially if you're working within a tight budget or there's a specific geographic area you want or need to live in. Because of this, you'll want to make a priority list, essentially ranking your features from most important to least. Then, when you've narrowed down your home choices to a few, you can simply work your way down the list. Whichever property has the most top-priority features is the winner.
You don't have to go it alone in your home search. The Claus Team's expert agents can help you find a place that fits your budget and has most (or maybe even all) of the features your household requires. Contact us today and we'll get started on your search right away.


text:
By: Phil Klay
Narrated by: MacLeod Andrews, Cynthia Farrell, Henry Leyva, Anthony Rey Perez
Categories: Literature & Fiction, Genre Fiction
Narrated by: MacLeod Andrews,Cynthia Farrell,Henry Leyva,Anthony Rey Perez
Listeners also enjoyed...
Narrated by: Craig Klein
Phil Klay's Redeployment takes readers to the frontlines of the wars in Iraq and Afghanistan, asking us to understand what happened there, and what happened to the soldiers who returned. Interwoven with themes of brutality and faith, guilt and fear, helplessness and survival, the characters in these stories struggle to make meaning out of chaos. Across nations and continents, Klay sets in devastating relief the two worlds a soldier inhabits: one of extremes and one of loss.
A Must Read - Fantastic Heart Rendering Shorts
By GH on 12-03-14
Homeland Elegies
By: Ayad Akhtar
Narrated by: Ayad Akhtar
Ayad Akhtar forges a new narrative voice to capture a country in which debt has ruined countless lives and the gods of finance rule, where immigrants live in fear, and where the nation's unhealed wounds wreak havoc around the world. Akhtar attempts to make sense of it all through the lens of a story about one family, from a heartland town in America to palatial suites in Central Europe to guerrilla lookouts in the mountains of Afghanistan, and spares no one - least of all himself - in the process.
Sings
By W Perry Hall on 10-21-20
By: John Banville
Narrated by: John Lee
Detective Inspector St. John Strafford has been summoned to County Wexford to investigate a murder. A parish priest has been found dead in Ballyglass House, the family seat of the aristocratic, secretive Osborne family. The year is 1957 and the Catholic Church rules Ireland with an iron fist. Strafford - flinty, visibly Protestant and determined to identify the murderer - faces obstruction at every turn, from the heavily accumulating snow to the culture of silence in this tight-knit community he begins to investigate.
Narrator John Lee is the best!
By Barbara S on 10-17-20
By: Margaret MacMillan
Narrated by: Deepti Gupta
The instinct to fight may be innate in human nature, but war - organized violence - comes with organized society. War has shaped humanity's history, its social and political institutions, its values and ideas. Margaret MacMillan looks at the ways in which war has influenced human society and how, in turn, changes in political organization, technology, or ideologies have affected how and why we fight.
Outstanding Exploration of War and Mankind
By Aaron Sadino on 10-07-20
By: Douglas Stuart
Narrated by: Angus King
Shuggie's mother Agnes walks a wayward path: She is Shuggie's guiding light but a burden for him and his siblings. She dreams of a house with its own front door while she flicks through the pages of the Freemans catalogue, ordering a little happiness on credit, anything to brighten up her grey life. Married to a philandering taxi-driver husband, Agnes keeps her pride by looking good - her beehive, make-up, and pearly-white false teeth offer a glamourous image of a Glaswegian Elizabeth Taylor.
Rather Interesting, Very Unfortunate
By Sharey on 02-29-20
The Quiet Americans
Four CIA Spies at the Dawn of the Cold War - a Tragedy in Three Acts
By: Scott Anderson
Narrated by: Robertson Dean, Scott Anderson
Length: 22 hrs and 1 min
The Quiet Americans chronicles the exploits of the CIA's four original spies: Michael Burke, a charming former football star fallen on hard times, Frank Wisner, the scion of a wealthy Southern family, Peter Sichel, a sophisticated German Jew who escaped the Nazis, and Edward Lansdale, a brilliant ad executive. The four ran covert operations across the globe, trying to outwit the ruthless KGB in Berlin, parachuting commandos into Eastern Europe, plotting coups, and directing wars against Communist insurgents in Asia.
A Tragedy for One
By Amazon Customer on 09-23-20
The Cold Millions
By: Jess Walter
Narrated by: Edoardo Ballerini, Gary Farmer, Marin Ireland, and others
The Dolan brothers live by their wits, jumping freight trains, and lining up for day work at crooked job agencies. While 16-year-old Rye yearns for a steady job and a home, his dashing older brother Gig dreams of a better world, fighting alongside other union men for fair pay and decent treatment. Enter Ursula the Great, a vaudeville singer who performs with a live cougar, and who introduces the brothers to a far more dangerous creature: A wealthy mining magnate who will stop at nothing to keep his wealth and his hold on Ursula.
Good Story ....Hard to follow on Audio
By zman on 11-13-20
By: Don DeLillo
Narrated by: Laurie Anderson, Jeremy Bobb, Marin Ireland, and others
The Silence is the story of a catastrophic event. Its resonances offer a mysterious solace. It is Super Bowl Sunday in the year 2022. Five people, dinner, an apartment on the east side of Manhattan. The retired physics professor and her husband and her former student waiting for the couple who will join them from what becomes a dramatic flight from Paris. The conversation ranges from a survey telescope in North-central Chile to a favorite brand of bourbon to Einstein's 1912 Manuscript on the Special Theory of Relativity.
A waste of a good premise
By Adam on 10-23-20
By: Jo Nesbo, Robert Ferguson - Translator
Narrated by: Euan Morton
Roy has never left the quiet mountain town he grew up in, unlike his little brother, Carl, who couldn't wait to get out and escape his troubled past. Just like everyone else in town, Roy believed Carl was gone for good. But Carl has big plans for his hometown. And when he returns with a mysterious new wife and a business opportunity that seems too good to be true, simmering tensions begin to surface and unexplained deaths in the town's past come under new scrutiny. Soon powerful players set their sights on taking the brothers down by exposing their role in the town's sordid history.
What happen to Jo Nesbo?
By Barbara C. Smith on 11-12-20
By: Jo Nesbo, and others
By: Tana French
Narrated by: Roger Clark
4.5 out of 5 stars 4,673
Cal Hooper thought a fixer-upper in a bucolic Irish village would be the perfect escape. After 25 years in the Chicago police force and a bruising divorce, he just wants to build a new life in a pretty spot with a good pub where nothing much happens. But when a local kid whose brother has gone missing arm-twists him into investigating, Cal uncovers layers of darkness beneath his picturesque retreat, and starts to realize that even small towns shelter dangerous secrets.
WONDERFULLY DREARY IRISH ATMOSPHERE & STORY
By McSusie on 10-06-20
A Children's Bible
By: Lydia Millet
Narrated by: Xe Sands
Contemptuous of their parents, who pass their days in a stupor of liquor, drugs, and sex, the children feel neglected and suffocated at the same time. When a destructive storm descends on the summer estate, the group's ringleaders - including Eve, who narrates the story - decide to run away, leading the younger ones on a dangerous foray into the apocalyptic chaos outside.
What a stupid book!
By Paganini on 05-15-20
Deacon King Kong
By: James McBride
Narrated by: Dominic Hoffman
5 out of 5 stars 2,010
In September 1969, a fumbling, cranky old church deacon known as Sportcoat shuffles into the courtyard of the Cause Houses housing project in south Brooklyn, pulls a .38 from his pocket, and, in front of everybody, shoots the project's drug dealer at point-blank range. The reasons for this desperate burst of violence and the consequences that spring from it lie at the heart of Deacon King Kong, James McBride's funny, moving novel and his first since his National Book Award-winning The Good Lord Bird.
By Linda G McDonough on 05-17-20
The Abstainer
By: Ian McGuire
Narrated by: John Keating
Stephen Doyle, an Irish American veteran of the Civil War, arrives in Manchester from New York with a thirst for blood. He has joined the Fenians, a secret society intent on ending British rule in Ireland by any means necessary. Head Constable James O'Connor has fled grief and drink in Dublin for a sober start in Manchester. His job is to discover and thwart the Fenians' plans, whatever they might be.
STOP NOW! TOO MANY SPOILERS!!
By paul on 09-25-20
The Long Year of Revolution
By: Mary Beth Norton
Narrated by: Kimberly Farr
From one of our most acclaimed and original colonial historians, a groundbreaking book - the first to look at the critical "long year" of 1774 and the revolutionary change that took place from December 1773 to mid-April 1775, from the Boston Tea Party and the First Continental Congress to the Battles of Lexington and Concord.
The US revolutionary war was baked in by 1775
By Randall Parker on 04-18-20
Blacktop Wasteland
By: S. A. Cosby
Narrated by: Adam Lazarre-White
Beauregard "Bug" Montage is an honest mechanic, a loving husband, and a hardworking dad. Bug knows there's no future in the man he used to be: Known from the hills of North Carolina to the beaches of Florida as the best wheelman on the East Coast. He thought he'd left all that behind him, but as his carefully built new life begins to crumble, he finds himself drawn inexorably back into a world of blood and bullets. When a smooth-talking former associate comes calling with a can't-miss jewelry store heist, Bug feels he has no choice but to get back in the driver's seat.
Fantastic All Around
By stuartjash on 07-16-20
By: Rumaan Alam
Narrated by: Marin Ireland
Amanda and Clay head out to a remote corner of Long Island expecting a vacation: A quiet reprieve from life in New York City, quality time with their teenage son and daughter, and a taste of the good life in the luxurious home they've rented for the week. But a late-night knock on the door breaks the spell. Ruth and G. H. are an older couple - it's their house, and they've arrived in a panic. They bring the news that a sudden blackout has swept the city. But in this rural area - with the TV and internet now down, and no cell phone service - it's hard to know what to believe.
I knew people wouldn't like it
By BookLover on 10-15-20
By: Maggie O'Farrell
Narrated by: Ell Potter
Agnes is a wild creature who walks her family's land with a falcon on her glove and is known throughout the countryside for her unusual gifts as a healer, understanding plants and potions better than she does people. Once she settles with her husband on Henley Street in Stratford-upon-Avon, she becomes a fiercely protective mother and a steadfast, centrifugal force in the life of her young husband, whose career on the London stage is taking off when his beloved young son succumbs to sudden fever.
A masterpiece
By Molly-o on 08-03-20
Interior Chinatown
By: Charles Yu
Narrated by: Joel de la Fuente
Willis Wu doesn't perceive himself as a protagonist even in his own life: He's merely Generic Asian man. Sometimes he gets to be Background Oriental Making a Weird Face or even Disgraced Son, but he is always relegated to a prop. Yet every day he leaves his tiny room in a Chinatown SRO and enters the Golden Palace restaurant, where Black and White, a procedural cop show, is in perpetual production. He's a bit player here, too, but he dreams of being Kung Fu Guy - the most respected role that anyone who looks like him can attain. At least that's what he has been told.
Kong Fu Guy
By JCY on 01-30-20
Neither Mason, a US Special Forces medic, nor Lisette, a foreign correspondent, has emerged from America's long wars in Iraq and Afghanistan unscathed. Yet, for them, war still exerts a terrible draw - the noble calling, the camaraderie, the life-and-death stakes. Where else in the world can such a person go?
All roads lead to Colombia, where the US has partnered with the local government to stamp out a vicious civil war and keep the predatory narco gangs at bay. Mason is ready for the good war, and Lisette is more than ready to cover it.
A novel of extraordinary suspense, Missionaries is an astonishment whose unsparing drama is infused with a rare wisdom about the human heart.
©2020 Phil Klay (P)2020 Canongate Books Ltd
What listeners say about Missionaries
Audible.co.uk reviews
malka Resheph
Beside the reporter there was no link between the war in Afghanistan and drug lord in Colombia , there was no lead character I could follow or wish to know what have happened to them , beside worthless lost of lives I could not see the message or the story line . I have listen to it all hoping something will happen.

redpajama_set_name: RedPajamaCommonCrawl


at the 1959 Pan American Games. A year later, she competed at the 1960 Rome Olympic Games. Holder of the American records in both the one hundred and two hundred meter breast-stroke events, she placed fifth in the 200 Meter Breaststroke at the Rome Olympics and was a member of the gold medal-winning, 400-meter medley relay team. Anne retired from competitive swimming at the age of sixteen. Few high schools and no universities had women's competitive swimming teams, Title IX did not exist and so there were no more mountains to climb.
Anne Cribbs' professional career has been dedicated to serving sport and the community. In 1995, Anne co-founded the American Basketball League (ABL), the first women's professional basketball league in the United States so that after college, female basketball players could play basketball – an American game, on American soil, in the traditional basketball season. During its existence, the ABL set the standard for what women's professional sports could and should become, creating a permanent legacy and forever changing the paradigm.
Cribbs became President and CEO of the San Francisco Bay Area Sports Organizing Committee (BASOC) in 1999, and led the San Francisco 2012 Olympic Bid. Highlights of her work include consolidating political support, including Mayors, County Boards of Supervisors, the Governor's office and State Legislature. The Bid enjoyed 90% public support, rallied the support of 400 Northern California Olympians and 150 Paralympians, utilized the talents of over 1600 volunteers and reached out to community groups throughout the San Francisco Bay Area. San Francisco won the silver medal to New York City in the voting for the 2012 U.S. Candidate City but Anne Cribbs' work left a huge legacy, which continues to be felt in Northern California. Cribbs was asked by San Francisco Mayor Edwin Lee to be one of the three co-directors of the San Francisco 2024 Olympic Bid. Anne worked on this Olympic effort for 2 years but in January 2015 the USOC awarded the US Candidate City to Boston which ultimately changed to Los Angeles for 2024.
Cribbs served as the Chair of the 40th Anniversary of San Francisco's Three Day Celebration of Ping Pong Diplomacy (June 2011). This historic event recognized the anniversary of the beginning of normal diplomatic relations between China and the United States. US and Chinese "ping pong" players were the catalyst for this thaw. The anniversary included a delegation from the Chinese Olympic Committee and China Table Tennis, USA Table Tennis and the veteran players who participated in the original matches in China and the United States. San Francisco Mayor Edwin Lee hosted the delegations and held a press conference at San Francisco City Hall. The visit included a symposium on the importance of sport to build relationships in the world, an exhibition featuring the veterans and current Olympians and a players and coaches clinic for San Francisco area youth and coaches. Chinese Consul General Gao hosted a reception in their honor. In December 2011, Cribbs traveled to China with the USA Table Tennis Delegation for a reciprocal visit.
Cribbs continues to serve as the President/CEO of BASOC. Under Cribbs' leadership, she organized the 2006 FINA World Masters Championships – 7800 competitors from 75 countries. Cribbs organized the 2007 World Junior Table Tennis Championships, held at Stanford University in December 2007 featuring 196 competitors from 36 countries.
Cribbs was the Director of 2011 USA Swimming National and Junior National Championships at Stanford – the largest National Swimming competition, held over two weeks, featuring nearly 4000 swimmers, 600 coaches, and officials from across the United States. The event was broadcast live for five nights on NBC.
Cribbs served as the President and CEO of the 2009 Summer National Senior Games, - 18 medal sports, 7 demonstration sports and 10,000 competitors over age fifty, qualifying from all 50 states - the largest multi-sport event in the United States.
Appointed Chair of the California Senior Games Association (CSGA) in 2008, she led the 2011 and 2012 California Senior Games Championships with 2000 athletes and 25 sports, a legacy of the 2009 Summer National Senior Games. The Bay Area Senior Games began in 2006 and continues annually at Stanford and other Bay Area venues and are now in their 10th year. The CSGA oversees six regional Senior Games in California plus one State Championship.
Other events Anne Cribbs has spearheaded included the January 2014 WFG Continental Cup of Curling in Las Vegas featuring Team North America vs. Team World. This event was held for the first time outside of Canada and set attendance records with more than 45,000 spectators over the course of the four- day tournament. A record 36 of the 50 competitors used the 2014 Continental Cup as a warm up, going on to represent their countries in Sochi in the 2014 Olympic Winter Games. Adding to Cribbs' event list are the 2004 Men's World Rink Hockey Championships, Palo Alto City's Leave Your Car at Home Day, Palo Alto's Black & White Ball, The Palo Alto Run Club, The Welcome Home Olympians Dinner held every four years since 1984 –which raises funds for the Northern California Olympians (NCO) Travel and Training grant program for Olympic hopefuls. The NCO is acknowledged by the USOC as one of the outstanding Olympic alumni chapter in the country.
With her public and community relations firm, Anne Cribbs & Company, her clients have included: The Monterey Horse Park (a legacy project of the San Francisco 2012 Bid), the annual 2006, 07, 08, 10, 11,12,13,14 and 2015 Bay Area Senior Games, the 2008 U.S. Olympian Reunion (a three day event in San Jose, CA), the 2012 US Olympian Alumni Association's Walk to London 2012. Cribbs coordinated and directed the Rich May Memorial Golf Classic, to raise funds to build the first full sized soccer/field in East Palo Alto, which will officially open on April 11th 2015. Cribbs just produce the 2016 United States Olympian and Paralympian Reunion in Las Vegas with 350+ Olympians attending.
Cribbs has a considerable portfolio of Board positions, including President of the Northern California Olympians and now Chairman Emeritus, past Vice-President of the U.S. Olympic Alumni Association, San Jose Sports Authority Board Chair (1997-2000), founding Chair of WISE – SF (Women in Sports and Events) a member of the Advisory Council of BAWSI (Bay Area Woman's Sports Initiative), the Advisory Board Member for the Women's Sports Foundation. She currently serves on the Board of Directors of USA Table Tennis and the Rich May Foundation. Cribbs is serving as a commissioner for the City of Palo Alto Parks and Recreation Department.
Cribbs is a frequent guest lecturer at Stanford University School of Business, the Sports Management Program at the University of San Francisco, San Jose State and the University of Pacific. She is also an Olympian advisor to NBC Bay Area.
A California native, currently residing in Palo Alto, Cribbs received her AA degree from Foothill College in 1974, receiving the President's Medal for the outstanding female graduate. Cribbs went on to earn her Bachelor's degree in Political Science from Stanford University. She is a past member of the Stanford Athletic Board and has a Block S from Stanford.
Cribbs was inducted into the San Jose Sports Hall of Fame in 2003, and is also a member of the San Mateo County Hall of Fame and the Menlo Atherton High School Hall of Fame. She is the winner of the City of Palo Alto's Tall Tree Award. Cribbs received the 2012 America SCORES – Bay Area 2012 Legacy Award and the 2013 Palo Alto Chamber of Commerce's Athena Award. Anne received the 2015 Golden Medallion Award, the International Swimming Hall of Fame's highest award as a "trailblazer for women in Sports". The United States Olympic Committee (USOC) awarded Cribbs the 2015 Olympic Torch Award at their Annual Assembly & Board meeting held in Colorado Springs. In November of 2015, Anne received the 2015 Athletes in Excellence Award by the Foundation for Global Sports Development. Most recent honor was bestowed in May, 2016, Anne Warner Cribbs was inducted into the San Francisco Bay Area Sports Hall of Fame.
A California native, Cribbs resides in Palo Alto, California.


text:
Consulate General of Peru in Zürich, Switzerland
Consulate General of Peru in Zürich, Switzerland, located at Löwenstrasse 69. View a location map, get driving directions or view the information about the address, phone, office hours, official website, Facebook page, consular services, visa list, and more.
+41 (0) 44 211 8211, +41 (0) 44 211 8212
Common Visa Types
Citizens of qualified countries may be able to travel to Peru without a visa. The most common types of Peru visas are the following.
Journalist visa
Besides Consulate General of Peru in Zürich, Switzerland Peru also has 3 representations in the following cities of Switzerland:
Bern (Embassy)
Geneva (Consulate General)
Cointrin (Permanent Mission)
All diplomatic missions of Peru in Switzerland
Diplomatic missions of Peru in neighbouring countries/regions of Switzerland:
Brussels, Belgium (Embassy)
Liège, Belgium (Honorary consul)
Ghent, Belgium (Honorary consul)
Antwerp, Belgium (Honorary consul)
Paris, France (Embassy)
Bordeaux, France (Honorary consul)
Strasbourg, France (Honorary consul)
Lyon, France (Honorary consul)
Marseille, France (Honorary consul)
Nice, France (Honorary consul)
Toulouse, France (Honorary consul)
Bremen, Germany (Honorary consul)
Offenbach, Germany (Consulate General)
Hamburg, Germany (Consulate General)
Monte Carlo, Monaco (Honorary consul)
Diplomatic missions in Zürich
Embassies of Peru
Switzerland in Peru
Switzerland has 3 representations in the following cities:
Report an Error or Update the details of the Consulate General of Peru in Zürich, Switzerland.
This is not the official website of the Consulate General of Peru in Zürich, Switzerland. All materials have been prepared for general information purposes only. The content on this website is not guaranteed to be correct, complete, or up to date. If you wish to report an issue, please let us know.
This page was last edited on 29 June 2021 at 01:00 PM (EST).


text:
Золотий банан (, , , ) або «сонячний пояс» (, , , ) — термін, що вживається аналітиками при обговоренні урбанізації у контексті Європи. Термін охоплює територію зі значною щільністю населення, що простягається вздовж узбережжя Середземного моря від Валенсії в Іспанії на заході, через Францію, і до Генуї в Італії на сході. Термін визначений у доповіді «Європа 2000» Європейської комісії у 1995 році як аналог Блакитному банану.

Населення Золотого Банану складає приблизно 40—45 мільйонів мешканців.

Див. також
 Блакитний банан

Примітки

Міські дослідження та планувальна термінологія
Мегаполіси
Агломерації
Макроекономіка
Економіка Європи
Економіка Європейського Союзу
Єврорегіони

redpajama_set_name: RedPajamaWikipedia


Live an incredible experience like no one else. Adventure Nepal offers you the opportunity to experience real life and culture in a small village in the Rai community at the foot of Mount Everest. This unique stay in the range of our agency offers the possibility of really understanding what life in the mountains in Nepal is. With his joys, his laughters and sometimes his sorrows. You will sleep like members of the Rai community, within their houses on the mountainside. By eating and drinking, exchanging, helping or even teaching a few words of english in the local school of the district of Solu, you will live moments that no tourist in the comfort of his hotel can dream.
Solukhumbu is one of the Eastern-most areas of Nepal and features high altitude mountains. It is well known by trekkers as it is home to Mount Everest and its famous trails let's go to flash back.The traditional homeland of the Rai extends across the Solukhumbu, the Okhaldhunga, Khotang, Bhojpur and the Udayapur districts in the northeastern hilly/mountainous region of Nepal, west of the Arun River in the Sun Koshi River watershed. Rais are also found in significant numbers in the Indian state of Sikkim and in the northern West Bengal towns of Kalimpong and Darjeeling. According to Nepal's 2001 census, there are 635,751 Rai in Nepal which represents 2.79% of the total population. The Rai community can be described as worshippers of nature.
Drive from Kathmandu to Tingla in the Solu district (6-7 hours by Jeep) and stay in a Rai family.
Day tour around the village : meet the people, discuss with them and share their culture.
Drive or bike to Patalle for the sunset and stay in a Sherpa family.


If you didn't know, carb cycling is an effective way to burn off fat and build lean muscle while using an intermittent diet approach that focuses on high and low carb switching. The reason for this switching is to keep the metabolism up-regulated. Being on a low carb diet, although very effective, can end up down-regulating the body's metabolic responses, especially if the diet is low in calories, too! In a previous post, I discussed the "how-to" in this post, and now I'm answering four common questions about carb cycling.
1. Should High Carb Days Be On Heavy Lifting Days?
Although most people will choose to have their high carbohydrate days on the days they perform their most heaviest lifting, it's not necessary. In fact, you might get better results if you perform your high days on the day prior to your workout.
Why? Well for one, if you want to make the most benefit out of the carbs your eating, you will want to make sure you have the most glycogen loaded in your muscles available. If you're ingesting a high amount of carbs on the same day you lift heavy, depending on when you lift you may not get in all those carbs. Allow for proper digestion for glycogen replenishment to occur.
Tip: Depending on how depleted you are, consider having a few high carb meals prior to your training to allow for a steady supply of glucose to your muscles. Remember, nutrient timing is not as important as once thought; eating majority of your carbs prior to your workout will be sufficient enough to maintain an anabolic response even after your workout! So load up, and choose to perform your workout later in the day, or the day after your load first thing in the morning.
2. Should High Carb Loading Be Completed With Simple Carbs?
Traditional carb cycling diets recommended eating simple carbs like white potato and white rice on those days where you perform a high carb day. If you want to guarantee that you'll feel hungrier and have increased cravings on high carb days, this is a good way to do it! Simple carbs are digested quickly and easily by the body, giving rise to a quick rise in blood glucose, while also stimulating insulin release. This insulin surge quickly clears the blood from sugar and re-adjusts blood glucose back to normal. This can result in an energy crash, fatigue and an insatiable desire to eat more sugar.
In one study on trained cyclists, it was found that a low-glycemic carbohydrate meal of lentils was shown to significantly improve endurance and time to fatigue versus a high-glycemic meal of potatoes eaten one hour prior to exercise. The lentil meal produced less hyperglycemic and less hyperinsulinemic response before exercise and maintained blood glucose and maintained higher free fatty acid levels during exercise. This means that less glucose was being oxidized and more fat was being burned, allowing for longer, more intense workouts!
Tip: Simple carbs may provide a quick hit of energy, but that energy is short-lived and can result in feelings of hunger, but also fatigue that can cut your workouts short. Opt for complex carbs on both low and high days to provide you with more sustained energy, more intensity for your training and even greater fat burning! Use whole grains, beans, legumes, squashes, sweet potato, fruit and vegetables with stalks like kale, broccoli and cauliflower!
3. Should My Calories Remain the Same on Both High and Low Days?
If your goal is weight loss, you must create a calorie deficit in order to lose weight and burn off fat. So whether you're on a high or low carb day, you're calories will remain the same. Cycling of carbs is a focus on macronutrient ratios. not calories. A calorie deficit of at least 500 calories per day is necessary in order to have weight loss; this is 3,500 calories over the course of one week. Your macronutrient ratios on low carb days should be in the range of 50 percent protein, 20 percent or fewer carbs, and about 30 percent or more fat. On high carb days, this range can switch to 50 percent or more carbs, about 30 percent protein, and about 20 percent or less fat depending on your food choices.
Cycling calories is possible as well during a carb cycle, but it might be challenging— consider that on a fat loss diet, your calories will already be at a minimum. Lowering them more to give rise for more calories on a high day could result in a diet meltdown if you're not careful. Also, too little calories can have the reverse effect on your fat burning!
Tip: Instead of cycling both calories and carbs, choose to do one or the other. If it gets too much to be so strict with your calories and your carbs, instead of cycling, consider doing one re-feed day per week that uploads both calories and carbs. Opt for a calorie increase of about 10 percent, and use the high carb day macro-ratios above. This will give you some satisfaction one day per week, while still being an effective diet for fat burning.
4. What Should I Eat On High and Low Days?
Tip: Any diet you use needs to be full of the good stuff— the fresh wholesome, natural foods and free from the processed foods. Being on a carb cycle should not be an excuse to have a high carb day filled with junky carbs! Instead focus on the ratios of the food you're eating.
Thomas DE, et al. Carbohydrate feeding before exercise: effect of glycemic index. Int J Sports Med. 1991. 12(2): 180-6.


Here comes the small size of popular "Penco Storage Container." Besides small stationery, you can also use it as a first-aid kit to store some adhesive bandages, cotton swabs and medicine. There is a label on the container. Use the colorful storage container to enrich your life.
*Please be noted that the position of the label might have a little inaccuracy.
*The connection part of the cover and the item itself is thin, and it might deteriorate after it is overused. The container might break when you improperly press it.


text:
Home / Business / General Beltings installs belt press
General Beltings installs belt press
Posted on June 23, 2006 by The Independent in Business
Roadwin Chirara
TO boost production levels and meet its export requirements, industrial belt manufacturer, General Beltings Ltd, has implemented a project to install an additional belt press.
Managing director Tendai Kapumha said the installation would improve the company's delivery to the export market.
"Installation of an additional belt press to improve delivery to the export market was initiated and will be completed by the end of the first half of this year," Kapumha said.
He said such an exercise would witness production levels increasing by 30%.
"This will add 30% to existing belt capacity," said Kapumha.
He said the company had also been awarded standard certification locally and South Africa which provided a boost for its local and regional markets.
"The company obtained ISO 14001 certification through the Standards Association of Zimbabwe. SABS 1173, SABS 971 and SABS 974 assisted our continued presence in the export markets," Kapumha said.
He said the unavailability of inputs such as coal and electricity had provided a challenge for the company, but had failed to impact negatively on its performance because of the counter measures that had been put in place.
"Availability of coal and electricity was a challenge during the year but this did not impact negatively as strategic arrangement were put in place to mitigate this," Kapumha said.
He cited the deteriorating situation in the mining sector currently against a thriving sector in previous years as factors that provide challenges to the company's operations.
"While mining has been doing well during 2003, the situation has changed for the worst in 2004," Kapumha said.
He said the company was exploring other opportunities in the viable agro-processing sector, as well as the automotive industry.
He said this was mainly to diversify the company's market risk.
"Efforts will be directed towards diversifying market risk through exploring opportunities in the agro-processing, food industries as well as the automotive industry," said Kapumha.
He complained of the central bank policy on foreign currency arguing that the system was making exports unvaible and hoped the central bank was going to review the rate to $5 000 for the US dollar.
"The 25% of the foreign proceeds realised at a rate of $824 to the US dollar will continue to make exports unviable," Kapumha said.
"It is hoped that this portion of proceeds will soon be realised at the auction rate. Exports should become viable at the rate of $5 000 to US dollar."
Previous Previous post: Forex remittances increase
Next Next post: Celsys acquires Comshop
NMB records surprise loss
Insurance sector capital requirements set for review
Renaissance, partners increase stake in FML


Nearly all or all CPUs appear to be comprised. Nothing we can do about it?!
In recent days, most were surprised about the reporting of Spectre and Metldown critical vulnerabilities in nearly all mainstream CPUs for the last 15 years are unfixable to a large extent, even through OS updates.
It was 2014, when Bruce Schneier, the World most recognized security expert - in reply to a declaration of Intel CEO that their chips had not been hacked - clearly stated that, after Snowden, we should be assuming all mainstream CPUs to be compromised in undetectable ways, due to design and supply chain complexities or state backdoors. See minute 32.40-34.00 of this video.
Nothing we can do about it? Nearly everyone seems to think so.
But, since 2014, at TRUSTLESS.AI and the Trustless Computing Association, we've been promoting an approach to CPU/chip design (and fabrication!) that removes upfront trust, and radically reduces complexity, and enables for an offline in-person privacy-respecting lawful access so states don't have to backdoor it.
Also, our Kryptus SCuP architecture - the only secure CPU in the world publicly verifiable in HW and SW design according to the Head of Information Superiority of EDA - is immune from such kind of vulnerabilities "as the underlying core does not employ speculative execution".
But we go way beyond, implementing our Trustless Computing CivicFab fabrication oversight processes, that are well in excess in user trustworthiness than even NSA Trusted Foundry Program processes.
Pitch and exhibit in Cannes and Berlin. New advisors and investor traction.


Carole Bellew established Bookkeeping + More over 30 years ago with the primary goal of providing accurate and competent bookkeeping to small businesses and individuals. Over the years, she grew her team and has helped hundreds of businesses manage their operations proactively, enabling them to plan their business growth and prepare for taxes. Her company's mission is to stay focused and plan ahead, instead of reacting to day-to-day problems.
Bookkeeping + More provides the quality of work you can expect from a large accounting firm, with the personal attention you get from an in-house bookkeeper.
Our experienced team can help you reduce overhead and improve efficiency through computerized bookkeeping tailored to meet your needs. We perform all work with a high degree of accuracy and attention to detail. And, our team of bookkeepers can work directly with your CPA providing higher-end accounting which most bookkeepers can't perform.
Training is another area where we excel. When you work with Bookkeeping + More, you'll save on training costs by letting our team train you directly. We're experts in most accounting packages, including but not limited to Quickbooks, Peachtree, Juris, Appgen, and MYOB®.
Our schedule allows for weekly, bi-weekly or monthly work, and there's a 3-hour minimum on any project or job.
Contact us today for your free 20-minute consultation.


text:
English/中文
China Medical Board
Health Policy and Systems Sciences
Health Professional Education
Lancet Commission
Centennial Timeline
CMB Centennial Book Series
As CMB enters its centennial in 2014, we are celebrating and highlighting 100 years of philanthropy through a series of activities, events, and projects. These projects include three new volumes on the histories of health, medicine, and philanthropy in China and Asia, published by Indiana University Press.
The first of the CMB centennial volumes, Philanthropy for Health in China, was published in April 2014. The volume, edited by Jennifer Ryan, Lincoln C. Chen, and Tony Saich with contributions from Chinese and Western scholars, policy-makers, and thought leaders, follows the historical evolution of health philanthropy over the course of the 20th century and asks the question: what are the prospects for a new generation of health philanthropy in China?
The second of the CMB centennial volumes, Medical Transitions in Twentieth Century China, will be published in August 2014. The volume, edited by Bridie Andrews and Mary Bullock with contributions from a team of international scholars, engages in a in a retrospective examination of the history of the emergence of modern medicine and public health in China during a turbulent and transformative era.
The third and final volume of the CMB centennial volumes, Histories of Health in Southeast Asia: Perspectives on the Long Twentieth Century, will be published in August 2014. The volume, edited by Tim Harper and Sunil S. Amrith with contributions from scholars from a diverse array of countries, reflects on the history of public health in Southeast Asia over the past century by examining the sites of interaction and exchange in which ideas about medicine and health were transformed.
For more information, please visit the following pages on the Indiana University Press website:
Philanthropy for Health in China
Medical Transitions in Twentieth Century China
Histories of Health in Southeast Asia: Perspectives on the Long Twentieth Century
CMB 100th Documentary TV Series Preview
CMB's Centennial Timeline
American Philanthropy in China
CMB Celebrates 100th Anniversary in Beijing
CMB Launches Centennial Book Series in Beijing
A Message from CMB's New President
Honoring the Legacy of Martin Luther King Jr.
Appreciation for Lincoln Chen's 14 Years as CMB President
APEC Recognizes Fanghui Zhao for Cervical Cancer Research
China Medical Board Announces the Appointment of Dr. Barbara J. Stoll as President
© China Medical Board.


Microwave (MW) heating overcomes the disadvantages of slow conductive/convective heat transfer inherent in conventional thermal processes, and therefore has the potential to produce safe and high quality vegetable products. This research was conducted to evaluate the quality attributes of pre-packaged diced carrots after MW pasteurization and of diced tomatoes after MW sterilization, in comparison with those subjected to conventional thermal processing. A systematic study of developing MW sterilization or pasteurization processes for tomato and carrot products, and evaluating their influence on product quality is presented in this thesis. A MW-assisted sterilization thermal process (MAST) achieving a target F value of no less than 6 min was developed for processing diced tomatoes packaged in 8-oz pouches, which can deliver a 5D thermal treatment to Bacillus coagulans ATCC 8038 spores. For diced carrots, MW assisted pasteurization processes (MAP) with F90°C= 3 min and F90°C=10 min were developed to achieve at least 6 D reductions of NP C. botulinum type E spores. Thermal resistance of the target bacterium (B. coagulans spores) in tomatoes was characterized, and kinetics of texture degradation of carrots were investigated for developing thermal processes for these products. Tomato/carrot dices with added salts (NaCl/CaCl2) at commonly used commercial levels were processed, and their dielectric properties were determined and used for computer simulation of heating patterns and cold spot locations in sample pouches. The quality related attributes of processed tomatoes (drained weight, soluble solids, color, texture, ascorbic acid, and lycopene content) and carrots (color, texture, pectin methylesterase activity, and carotenoids) were assessed. The results of quality evaluation of the processed products showed that the impact of MW processing on the quality of vegetables depends on the characteristics of the vegetables and the specific quality parameters tested.


A frog, even if well well dressed, remains always a frog.
In this colored screen printing, Mr. Savethewall represents on a brillian fuchsia background his famous well-dressed frog. As the fairy tale told us, the frog waits to be kissed by the princess so that he can tansform itself into a beautiful prince, for then living together happily ever after... But the history that Mr. Savethewall tells in this work is different: the frog already has anthropomorphous form, he wears the suits typical of a man in career and with his great red eyes seems to look at the spectator (or to his princess). By doing so Mr. Savethewall launches therefore a provocative and direct message.
Screen printing, limited edition in 50 works in all the world, signed and numbered in original.
Nota Serigrafia dello street artist Mr. Savethewall, a tiratura limitata in 50 esemplari, firmata e numerata. Opera realizzata con tecnica mista su carta di legno. Misure 60 cm x 80 cm.


text:
package com.example.mvcproducts.security;

import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.context.annotation.Bean;
import org.springframework.context.annotation.Configuration;
import org.springframework.http.HttpMethod;
import org.springframework.security.config.annotation.authentication.builders.AuthenticationManagerBuilder;
import org.springframework.security.config.annotation.web.builders.HttpSecurity;
import org.springframework.security.config.annotation.web.configuration.EnableWebSecurity;
import org.springframework.security.config.annotation.web.configuration.WebSecurityConfigurerAdapter;
import org.springframework.security.core.userdetails.UserDetailsService;
import org.springframework.security.crypto.bcrypt.BCryptPasswordEncoder;
import org.springframework.security.crypto.password.PasswordEncoder;

@Configuration
@EnableWebSecurity
public class SecurityConfig extends WebSecurityConfigurerAdapter {

  @Autowired
  private UserDetailsService userDetailsService;

  @Bean
  PasswordEncoder passwordEncoder(){
    return  new BCryptPasswordEncoder();
  }

  @Override
  protected void configure(AuthenticationManagerBuilder auth) throws Exception {
//    auth
//            .inMemoryAuthentication()
//            .withUser("user")
//            .password("user")
//            .authorities("ROLE_USER")
//            .and()
//            .withUser("root")
//            .password("root")
//            .authorities("ROLE_ADMIN");

    auth
            .userDetailsService(userDetailsService)
            .passwordEncoder(passwordEncoder());
  }

  @Override
  protected void configure(HttpSecurity http) throws Exception {
    http
            .authorizeRequests()
            .antMatchers("/admin")
            .hasRole("ADMIN")
            .antMatchers(HttpMethod.POST,"/products")
            .hasAnyRole("ADMIN")
            .antMatchers( HttpMethod.GET,"/products")
            .hasAnyRole("USER","ADMIN")
            .antMatchers("/", "/**")
            .access("permitAll")
            .and()
            .formLogin();
  }
}

redpajama_set_name: RedPajamaGithub


Watch the video to find out about your teeth, their structures, the different types, what causes gums to bleed or recede and what you can do to help stop it. If you have any further Questions or concerns, please give Power Ranch Dental a call at (480) 988- 2282. We look forward to hearing from you soon!


Get the Construction Dumpster Rental you need in Concord, CA, for the price you deserve.
Our prices are some of the lowest you can find in Concord, CA. Call today to see for yourself!
We offer many different sizes of dumpsters, and different sizes are available in different areas. Call us to find out availability in Concord, CA.
Check below for cities and zip codes near Concord, CA.
Need a Construction Dumpster Rental near Concord, CA? Call Us For a Free Quote Now!
If you are living in a limited area, just be sure you let the next day dumpster company realize ahead of time. Some dumpster companies won't be able to accommodate anyone whereas other people have small trucks that will easily deliver the dumpster for you.
Whenever you handle large projects such as construction, property renovation or even green backyard cleanup, it's important for you acquire help from skilled to complete the work successfully. Men and women take a owing care to full the project on time, but they overlook post problems with the project for instance trash carting. You are about to crank out huge plenty of trash with completion of the work. Tons of waste piled up for too long period of time would certainly lead to ton many problems such as leading to environmental pollution, spreading infectious diseases, occupying no cost space in your arena, blocking the growth of your further jobs and so on. Clearing such a large trash with self gets rid of much of your time and also wants huge investment in terms of move and labor. Piling waste for longer length of time may chuck you inside unnecessary challenges.It cards penalty from you for being an origin for producing environmental pollution.
Shop around. The first waste Construction Dumpster Rental in Concord, CA company anyone contact might promise to provide you with the best price ranges in your area, however you are never going to see whether you don't input it to the test out. Go on the web or look out the YellowPages to discover who's doing work in your area, and have a couple of estimates before you commit.
Make sure you check the nearby rules and regulations prior to a dumpster because they usually change from one destination for a another. If you're cleaning out your apartment, see to it that your building or sophisticated has enough space available where you can position the dumpster. If you are cleanup your home or even yard, keep your city or town permits you to keep these facilities in the street. Never misjudge the sizes of such dumpsters since they need to have ample living space. It is always good to seek permission upfront before getting some sort of Construction Dumpster Rental in Concord, CA.
Renting a dumpster could possibly be the solution to suit your needs if you regularly create considerable amounts of waste. You could potentially be somebody who is planning for a large destruction project and require a fast approach to store waste without having to regularly make journeys to the remove.
Dumpster diving is a term to explain going through waste cans intended for 'treasures'. While it may appear bad into a of you it's actually very exciting and can make you big money.
A dumpster program can handle virtually any job, coming from start to finish. You simply won't have to place your junk inside bags or even containers. They will do the perform while you loosen up. They will help you get rid of all your trash and also junk for instance old kitchen appliances, stoves, household furniture, refrigerators, units, dryers, loos, tubs, cabinetry, flooring and the like. They can enable you to clean out the garage, shed, basement, lawn, or attic room. They can additionally remove shattered glass, plastic materials, metals, and also other materials. They will save you occasion because you will not need to break down those things yourself or even drive the garbage to a dumpster.
The biggest selling point of going with a specialized Junk Elimination and Dumpster Rental business is that you get to sit back relax comprehending the job is going to be done right and professionally! The trick lies in certainly not falling for people fly by means of night staff that feature affordable prices over the telephone. They may noise good at risk, but the difficulties only start out when you stop the call. They can not arrive, they may increase the price whenever they do come away. If you have ever moved, this type of strategy will ring a bell to you. Then it could even deteriorate, they may not insured. They are able to damage your own house, or your neighbors' property or home. They could acquire injured and sue anyone. If almost everything goes okay at your web page, your considerations are not more than, when they keep. Then there is the situation of shedding your squander, are they doing it properly, is he or she adhering to this dumping bylaws locally or is he or she illegally dropping your squander and crap. If the person with his pick-up can't be positioned YOU COULD BE HELD LIABLE. How will you avoid the lure? Schools furthermore collect a great deal of old crap that may not needed. Colleges tend to store them inside their basement as well as other storage area. Older couches, chairs, desks, pcs and watches, etc. could possibly be overloading this storage space. Booking a dumpster is the best solution to get rid of all the unwanted junk in a swift manner. When choosing a Construction Dumpster Rental in Concord corporation, find out how very long you can keep this dumpster at just one rate. If you would like to extend enough time find out the charge ahead of time.
Regardless of what project you'd like to take on, imagine all of the products that you are going to be taking out of the property. Imagine outdated appliances, outdated cabinetry, possibly even the old floors. In each one of these cases, you might have to do something with all the items that you happen to be removing.
Another excuse you might think about Construction Dumpster Rental in Concords is actually you plan about doing construction on your house or office building. Most areas don't let the dropping of timber, nails or another similar squander. These items may almost always go within the dumpster to be hauled away from when needed. A few garbage bin leases allow for this dumping associated with hazardous squander as well all of which will utilize fingertips bins just for this on the building.
Every construction project consists of a ton of trash and rubble. You can enjoy order and sanitation during a construction project by using a construction Construction Dumpster Rental in Concord. Excellence and beautification does not have to resemble demolition and exploitation during the process. Excellence in every construction process is quite possible only by using proper trash removal in the home and premises.
Most of these commercial dumpsters ordinarily have a whole stop opening regarding dragging issues into the big box, plus an opening in the prime so that roof top workers, as an example, can just chuck shingles and old roof top wood into the dumpster, saving toil. Some are completely open with top. when The rental expenses will be decided after you proceed to the website, all of which will depend on the length of your trash heap, what's in it, no matter whether recyclables have to be separated -- as well as can be segregated, how long you would like the dumpster regarding, and how massive it is.
Remodeling your enterprise is an exciting time period filled with anticipations and exhilaration. The business may be closed throughout the remodeling course of action or it usually is open with regard to business; either way the business should look its best throughout the overall construction course of action. Construction web-sites involve a substantial amount materials that are needed for the redecorating process and also debris coming from materials getting removed from this walls, this floors, etcetera. There is no explanation to expect the placement to be a blunder. A development Construction Dumpster Rental in Concord, CA can enhance the process tremendously by made up of the blunder and dust in one sealed and protected location.
Prices: Charges within Dumpster rental service business depends upon corporation to company consequently keep on verifying the charges in the company soon you didn't find a suitable company. Also come businesses also charges you delivery expenses apart from rental charges so make sure to enquire about exactly the same from the corporation. Delivery charges can be any where from $25 to $50 or more. In addition to rental charges a number of companies in addition charges everyday rental fees consequently make sure to apparent this point together with rental service provider. Additionally do not forget about tax you need to fork out over incurred amount. And so don't hesitate to inquire about tax addition.
You can also rent a new dumpster that is mid-sized. The mid-sized dumpster should last to three a great deal of debris or even about several pickup truck a lot.
Most of us encompass ourselves together with quite a bit of random clutter. Through the years, this accumulates to create a enormous mess within our homes plus our lives. If an individual of your brand-new year's promises is to thoroughly clean the mess out of your daily life, here are a few guidelines to help you get started off.
You can work with a Dumpster for spring and slip cleaning. You can find number of specialized roll away from rental service providers stretching their providers right from the starting of the season to the end of the season.
There are various companies on the web that advertise being providers of roll away from rental service, generating various claims about their popularity, low prices as well as expertise, many them are middle men who hope to sub long term contract your job to whomever will give these people the lowest value. The problem this kind of creates for you is that by building this amount of complexity to assembling your project, you have virtually no assurance that the selected sub-contractor contains the proper height and width of container, or even worse still, when they have any box at all available for when you need it all of which will show up on the appropriate date.
For a few people who can require their own waste away a new Construction Dumpster Rental in Concord, CA can be the perfect thing. They could throw the trash from the dumpster and the dumpster corporation will come take it off on their behalf. This could be a life saver to a mature person or even couple that can't do what they used to could therefore a Construction Dumpster Rental in Concord, CA can assist them avoid having waste built up around the home. Dumpsters rentals have lots of uses however at the end of the afternoon they are only made for waste disposal.
Remodeling your small business is an exciting moment filled with anticipations and excitement. The business may be closed in the remodeling approach or it may be open regarding business; no matter what the business may need to look its absolute best throughout the whole construction approach. Construction internet sites involve a lot of materials that are needed for the remodeling process along with debris coming from materials becoming removed from the particular walls, the particular floors, and so forth. There is no motive to expect the positioning to be a mess. A construction Construction Dumpster Rental in Concord, CA can enhance the process significantly by that contain the mess and dust in one sealed and secure location.
Fees: Charges in Dumpster rental service business depends upon business to company and so keep on looking at the charges with the company unless you didn't find a suitable company. Furthermore come companies also charge delivery fees apart from rental fees so be sure to enquire about exactly the same from the business. Delivery fees can be anywhere from around $25 to $50 or more. Apart from rental charges a number of companies furthermore charges day-to-day rental fees and so make sure to apparent this point having rental service provider. In addition do not forget concerning tax which you need to pay over charged amount. So don't hesitate to enquire about tax introduction.
You can also rent any dumpster that is medium-sized. The medium-sized dumpster should manage to three tons of debris or perhaps about five pickup truck tons.
Most of us surround ourselves having quite a bit of unintentional clutter. Throughout the years, this adds up to create a enormous mess in our homes plus our lives. If a person of your brand new year's answers is to thoroughly clean the chaos out of your daily life, here are a few tips to help you get started out.
You can use a Dumpster for planting season and fall cleaning. You will discover number of skilled roll away rental service providers extending their providers right from the starting of the season to get rid of the season.
There are various companies on the net that advertise being providers regarding roll away rental service, generating various promises about their popularity, low prices in addition to expertise, many them are middle men who desire to sub deal your job to whoever will give these people the lowest price tag. The problem this specific creates for you is that by having this amount of complexity to your project, you have absolutely no assurance the selected sub-contractor provides the proper size container, or perhaps worse still, should they have any box at all designed for when you need it and definately will show up on the appropriate date.
For some people who can not take their own waste away any Construction Dumpster Rental in Concord, CA can be the excellent thing. They will throw their trash within the dumpster and the dumpster business will come transport it off for the children. This could be a life saver to a more mature person or perhaps couple that can't accomplish what they utilized to could therefore a Construction Dumpster Rental in Concord, CA will help them keep from having waste built up around the home. Dumpsters rentals have some of uses although at the end of the morning they are simply just made for waste disposal.


Please note that all below shown lines/destinations are only those referring to nordic countries. Those airlines might offer a much broader variety of routes. As there are also frequently changes please doublecheck the websites of the carriers for exact details.


❶This sample Account Manager resume shows you how. Surely, essay is the most frequently requested paper type, but this is not the only thing we can help with.
Download your new resume and send it off to employers. I would not recommend anyone to go for monster resume service. Never ever hire monster resume service.
I had a very bad experience of selecting monster resume service. I had paid to monster resume. And just re-write the same thing and even they missed some important things from resume.
Even they changed the order of technical skill etc in wrong order. We have to waste our time to reply their emails for updating things. I think that might happen when companies subcontract the work out which, they do. It never hurts to have a few set of eyes look at your resume and critique it.
If you know someone who is really good with grammar and so on, ask them to go over your resume. The last service was from Monster. They claim they are customer satisfaction guarantee but just wasting more time. The charge is reasonable and great service, the service is much better than the previous two I had. Please register to post and access all features of our very popular forum.
It is free and quick. Additional giveaways are planned. Detailed information about all U. Posting Quick Reply - Please Wait. Search this Thread Advanced Search. Similar Threads Which professional resume writing companies have you used or are the best? Has anyone ever used a resume-writing service like the one Monster offers?? View detailed profile Advanced or search site with.
David Alan Carter, a former professional resume writer, brings an insider's perspective to his reviews of popular online resume writing bestzloadq3k.cf Monster, Carter takes a critical look at methods of operations, customer service, pricing and more.


text:
Joe Biden Scolds Congress Members Who Refused to Wear Masks During Capitol Riot Lockdown
"It's time to grow up," the President-elect said Friday
By Ashley Boucher
| Credit: ANGELA WEISS/Getty Images
President-elect Joe Biden expressed his disappointment Friday in members of Congress who refused to wear masks while hiding during the failed insurrection attempt at the Capitol earlier this month.
Speaking about his novel coronavirus (COVID-19) vaccine distribution plan on Friday, Biden blamed Republican lawmakers who refused to wear masks while waiting out the siege for spreading the virus to their colleagues.
"This is not a political issue, it's about saving lives. I know it's become a partisan issue, but what a stupid, stupid thing to have happen," said Biden, who plans on issuing an executive order requiring masks where he has the power to mandate it when he takes office.
"Quite frankly, it was shocking to see members of the Congress, when the Capitol was under siege by a deadly mob of thugs, refusing to wear a mask while they were in secure locations," Biden, 78, said. "I'm so proud of my Congressman right here in the state of Delaware, Lisa Blunt Rochester, trying to hand out masks while people were lying on the floor, huddled up."
RELATED: Republicans Reps. Complain About New Metal Detectors in Capitol After Riots
"And Republican colleagues refusing to put them on. What the hell is the matter with them? It's time to grow up," Biden said. "The result? At least four members of Congress today including a cancer survivor now have COVID-19 who were in those rooms. For God's sake, wear a mask if not for yourself, for your loved ones. For your country. These are real matters of life and death."
At least five members of Congress have tested positive for COVID-19 since being forced to shelter in place during the riots on January 6.
Rep. Bonnie Watson Coleman (D-N.J.) tested positive for the virus on Jan. 11 and said she "believes she was exposed during protective isolation in the U.S. Capitol building as a result of insurrectionist riots." Several of her colleagues who were sheltering in the same space as Coleman reportedly refused to wear masks.
Coleman, 75, is a survivor of lung cancer.
RELATED: Kamala Harris on Why a Public Inauguration at the Capitol Must Proceed: 'We Cannot Yield'
The lawmaker said in a tweet Friday that she is "still feeling some cold-like symptoms but thankfully mostly mild."
Throughout this week, Rep. Pramila Jayapal (D-Wash.), Rep. Brad Schneider (D-Ill.), and Rep. Adriano Espaillat (D-New York) all announced they had tested positive. Jayapal and Schneider both mentioned that they were in spaces with other members of Congress who refused to wear masks.
Rep. Jake LaTurner (R-Kan.) tested positive the same day as the riots, but was reportedly not in the same room as his Democratic colleagues who later tested positive.
In his speech Friday, Biden urged people to continue wearing masks, regularly wash hands, socially distance and avoid gathering indoors with members outside of their immediate household.


text:
The House "Seasons of the year"
23 Virmenska St.
+38 (032) 2721569 Phone
The House "Seasons of the year" is the name of the non-official, but very popular in the city townhouse located at 23 Virmenska St. At the end of the 19th century, turning to the works of the Roman poet Virgil, this building was decorated with astrological symbols and events from the life of people typical for each season of the year. All of them also received appropriate titles in Latin. The most interesting decor is in the center of the facade, where a sundial in the form of the god Saturn is located.
The god holds the sphere that says "Linea Loci" and at the same time leans on the unforgiving hourglass. Like every building in Lviv, this one also has its own secret. On the eve of the Second World War, in its premises, the artist Janusz Witwicki started creating a magnificent Plastic Panorama of Old Lviv with measurement of 1:200 scale. Nowadays it is presented in Wroclaw, Poland.
Author Ihor Lylo
Translated by A. Kushch
View the objects on the city map
Plan your trip to Lviv
More about Attractions
The Boim Chapel
1 Katedralna St.
Semenskyi-Levytskyi palace
19 Pekarska St
The house of Dnister insurance company
20 Ruska St.
Lviv main railway station
1 Dvirtseva Square


CALL US!!! 330-499-8555BOB'S CELL 33-704-8448 TED'S CELL 330268-6716Visit Ohio Corvettes and Muscle Cars online at CorvettesandMuscleCars.com to see more pictures of this vehicle or call us at 330-499-8555 today to schedule your test drive.
Black / Black / Black!!!!!
A "Real Deal 242 VIN#"! Triple Black GTO Convertible w/Power Top...400ci, 4spd manual, Hood Tachometer, Rally Wheels, AND MORE!


Transdek UK, the multi award winning double deck loading and trailer specialist, will be demonstrating its award winning lifting and transport solutions on stand 11M27 at IMHX 2016, taking place at the NEC, Birmingham, on 13-16 September 2016.
At this year's event Transdek will exhibit working examples of its innovative vehicle to ground (V2G) double deck lift and multi-temperature DUET Urban double deck trailer, which can work in tandem to provide an integrated one-stop high efficiency distribution platform.
Transdek's 6.5T V2G loading pod is the only utilitarian surface mounted lift that enables the loading and unloading of all types of goods vehicles, including the tallest double deck trailers, to ground level in as little as one-hour. For flat-floor retail sites or distribution hubs the V2G provides a highly flexible solution.
Transdek will also be showcasing its DUET Urban, which enables high volume, multi-temperature deliveries to city centres and is capable of transporting up to 28 pallets or 52 roll cages offering up to 100% greater load footprint when compared to an 18-tonne rigid truck – reducing congestion, transport costs, noise and air pollution.
The latest trailer features new quiet technology developments particularly suited for night-time deliveries including a PIEK-certified fridge unit, quiet tail-lift that utilises a unique ram configuration and specialised floor covering, which deadens operating noise. In addition, Transdek's innovative 'twin slide' doors, which improve safety and load security, have been developed for optimal noise reduction, utilising ultra-quiet, low friction nylon slides and acoustic panels.
Mark Adams, Managing Director at Transdek UK, commented: "Since the launch of the original model in 2014, Transdek's DUET Urban double deck trailer has begun a revolution in efficient transport of goods, particularly for operators in the retail and grocery sectors that make regular deliveries to stores in increasingly congested towns and cities across the UK.
A team of Transdek experts will be on stand 11M27 to offer in-depth advice about double deck loading and high cube trailer supply chain issues. In addition they can provide full details of the company's award winning solutions and the latest product developments.
For more information about the range of double deck lifts or trailers, please contact Katie Lovell on 01302 752276 or email Katie.Lovell@Transdek.com. Any visitors that have specific issues they would like to discuss can pre-arrange an appointment with Mark Adams, Managing Director, or Leon Butler, Sales Director, at the event by emailing outline details with 'IMHX 2016' as the subject.


text:
Eg24 News
Home Mix The media captain responds to the lawsuit from Ramiz Jalal
The media captain responds to the lawsuit from Ramiz Jalal
Media Syndicate In Egypt, I have decided to prevent an appearance Ramez Galal Any media outlet broadcasted within the country.
And he said Media captain Tareq Saada, In statements to the site "Sky News Arabia", The decision "It was not taken against the Ramez program, but rather against Ramez himself. The syndicate is specialized in the human element, that is, the broadcaster, the reporter, the creator, or other media workers.".
Saada explained the union's view by saying: "A person cannot ride a car and start driving without obtaining a license, which is precisely our position on Ramez, as he is not bound by the Media Syndicate".
At the same time, he made it clear that Rams could not be a member of the Media Syndicate, but could obtain a permit, adding: "He must regularize his conditions, because the law stipulates that whoever engages in media activity without being registered in the union or obtaining a permit, is prevented from appearing".
For his part, Ramez raised, on Thursday morning, lawsuit In front of the Administrative Judicial Court, he demanded that he stop the implementation and annul the Media Syndicate decision No. 11 of 2020 to prevent him from practicing media activity until his conditions in the Syndicate were legalized.
She mentioned the lawsuit filed by the lawyer Ashraf AbdulazizAnd, as an agent of Ramiz, against the Syndicate of Journalists, "The artist Ramiz Jalal is a member of the Syndicate of Dramatic Professions, which according to its law is not considered a media activity. TV, cinematic or theatrical works as well as entertainment works, knowing that his client is doing entertainment work that is not a media activity and is not subject to the Media Syndicate Law", According to a newspaper "Sunrise" Egyptian.
In response to the lawsuit, Saada said to the site "Sky News Arabia": "The judiciary guarantees us the right to respond to it, and we will clarify our rationale for the decision and move in this direction. We will resort to the judiciary and leave the verdict to him".
As for not stopping a channel "MBC Egypt" Show the program, so Saada confirmed that "Dealing with people working in the media belongs to the (media workers) union, while dealing with the channels is up to the Supreme Council for Media Regulation".
He further explained: "If the program is not discontinued, it will be notified Supreme Council for Media Regulation, To take legal steps".
When asked about the situation in which the Council can reverse its decision and allow Rams to appear on The mediaThe Media Syndicate captain said in EgyptThat will happen when "Ramez legalizes his legal status and obtains a permit".
He continued: "We want all people to work legally. We do not have a problem or arguments with Ramiz or others, we are moving against the people we have complaints about from Egyptian society, and working institutions, people and bodies, such as the National Council for Human Rights and the National Council for Women, and accordingly we have moved in this direction, but before we examined Ramiz's work we found He is not registered in the union".
And she was Media Syndicate In Egypt, I have decided to prevent an appearance Ramez Galal Any media outlet broadcasted within the country.
And he said Media captain Tareq SaadaIn statements to Sky News Arabia, the decision "was not taken against the Ramez program, but rather against Ramez himself. The syndicate is specialized in the human element, that is, the broadcaster, the reporter, the creator, or other media workers."
Saada explained the union's view by saying: "A person cannot ride a car and start driving it without obtaining a license, and this is exactly our position on Ramez, as he is not bound by the Media Syndicate."
At the same time, he made it clear that Rams could not be a member of the Media Syndicate, but could obtain a permit, adding: "He must legalize his conditions, because the law provides that whoever engages in media activity without being restricted to the union or obtaining a permit, prevents From appearing. "
For his part, Ramez raised, on Thursday morning, lawsuit In front of the Administrative Judicial Court, he demanded that he stop the implementation and annul the Media Syndicate Decree No. 11 of 2020 banning him from practicing media activity until his conditions are legalized in the Syndicate.
She mentioned the lawsuit filed by the lawyer Ashraf AbdulazizAnd, as an attorney on behalf of Ramiz, against the Syndicate of Media Professionals, "The artist Ramiz Jalal is a member of the Syndicate of Acting Professions, which according to its law is not a media activity, TV, cinematic or theatrical works, as well as entertainment works, knowing that his client is doing entertainment work that is not a media activity and is not subject to the law Media Union, "according to the Egyptian newspaper," Al-Shorouk ".
In response to the lawsuit, Saada told Sky News Arabia: "The judiciary guarantees us the right to respond to it, and we will clarify our reasons for the decision, and we will move in this direction. We will resort to the judiciary and leave the verdict to it."
In the event that MBC Egypt did not stop the presentation of the program, Saadeh affirmed that "dealing with people working in the media belongs to the (media professionals) union, while dealing with the channels is up to the Supreme Council for Media Regulation."
"If there is no commitment to stop the program from being shown, we will be notified Supreme Council for Media Regulation, To take legal steps. "
When asked about the situation in which the Council can reverse its decision and allow Rams to appear on The mediaThe Media Syndicate captain said in EgyptThis will happen when "Ramez legalizes his legal status and obtains a permit."
He continued: "We want all people to work legally. We have no problem or arguments with Ramiz or others. We are moving against people we have complaints about from Egyptian society, and working institutions, people and bodies, such as the National Council for Human Rights and the National Council for Women, and accordingly We moved in this direction, but before we examined Ramiz's work we found that he was not bound by the union. "
Ramiz
Previous articleYasmine Sabry and Ahmed Abu Hashima first appeared after the marriage … Azzamah Ramadan
Next articleTunisian reports: Hamdi El-Naqaz is serving a 4-month prison sentence in Sousse
The frequency of the new Scare TV channel 2021 .. Set the frequency of the Scar TV channel on Nilesat to watch horror and...
#Fashion Police: Dora celebrates her birthday wearing a dress for 116,000 pounds news
15 information about Majida Al-Sabahi .. Rushdie Abaza loved her and her daughter, b
Dina Abdullah … the girl who dazzled us in the "grandson" celebrates her 56th birthday
Fifi Abdo sends a message to Houria Farghali: The blow that you did not want will be strengthened | news
Rania Youssef advises young people to marry after the age of 30 … and confirms: "I failed on this issue
"Patriarch of the People" Palestinian film that spreads optimism: "I will one day be a master."
Pick up the new Egybest channel frequency for the best foreign films
Animated film The Croods: A New Age grosses $ 52 million in China
News 24 | 3 movies a day .. Faisal bin Ayyaf reveals the organization of the car cinema event in Riyadh
Member of the scientific committee: the Corona strain discovered in Britain,...
After his message to Shiha here, Ahmed Flux raises the controversy...
Magdy Abdel-Ghani set off a surprise in Al-Ahly's complaint against Abdullah...
The death of "Engy", the oldest human being absent in the...
Before filming Mission Impossible … Tom Cruise appears with a muzzle...
"Matcha tea" is the gift of the Creator .. It protects...
Health resolves the controversy about the outbreak of the third stage...
Why is "indiscretion" in the Minister of Health?
Eg24 News is your news, entertainment, music fashion website. We provide you with the latest breaking news and videos straight from the entertainment industry.
© eg24.news


Best lightening cream Glutathione Whitening Cream in Pakistan.
We have Best Chinese gastroenterologist. International Chinese hospital in Pakistan who have qualified and Experienced Chinese doctors.
We have Chinese Specialist for the treatment of Piles - Bawasser with a money back guarantee. So don't hesitate to get treatment jus contact us.


text:
Two Years After the Presidential Election Hack: Can Our Election Systems Be Trusted?
By Balakrishnan Dasarathy, Ph.D.
In October 2016, as a lead-in to the November presidential election, I posted a blog that examined whether or not our election systems could be hacked. Back then I said that the short answer was, "yes, it's possible," but unlikely that the effect of a breach would be catastrophic.
As we approach the 2018 mid-term elections this November, it's a good time to revisit this question. Since 2016, we have more information on the attacks, how they happened, who was behind them and what steps various government entities are taking steps to help ensure election security moving forward.
To answer this question thoroughly, we must understand the various systems supporting our elections. That's because an election isn't a single event in isolation, but rather a series of events taking place within interconnected systems—campaign, voter registration, voting or ballot-casting and vote-tallying systems—all working together to make up our election system, as illustrated in the following figure:
A closer examination of each constituent system depicted gives a more complete picture of the prospect—and ramifications—of an election hack.
We also must understand external entities, specifically social media, which are not technically parts of election systems, but could have undue influence on the outcome of an election, as we have seen with the 2016 presidential election.
First, let's examine campaign systems. They periodically obtain voter information from voter registration systems at the state and county levels to support canvassing, fundraising and compliance-reporting functions. In general, such systems maintained by a political party or candidate are not cyber-attack proof because they normally allow various forms of Internet and remote access, including browser-based, email and command-line access.
But campaign systems do not send information back to voter-registration or the ballot or tallying systems. That is a good thing. If these systems were to be exploited, as in the case of the Democratic National Committee (DNC) systems that were hacked with the support of the Russian government, the integrity of the voter registration database would not be automatically compromised or affect the votes cast or tallied. However, an attack or even the persistent threat of an attack can sow mistrust and might even result in voters changing their minds when picking a candidate or a political party to support.
The primary motivation for hacking the systems maintained by the Democratic Party in 2016 was to hurt Hillary Clinton's candidacy in both the Democratic primary race and against Donald Trump in the general election, according to recent New York Times' and The Washington Post's coverage on the Mueller and CIA investigations into Russian election hacking.
After the 2016 election, Democratic and Republican Party officials alike are certainly taking the security of their systems seriously. The DNC, for example, has hired two well-known technology and cybersecurity experts, Raffi Krikori, and Bob Lord, as CTO and CISO, respectively. Their jobs are to fundamentally change the cybersecurity culture and beef up security of the DNC's general and campaign systems at the national and local levels. For their part, the Republican National Committee (RNC) tech personnel are also enhancing security with activities such as increasing resiliency against phishing attacks, conducting cybersecurity training for staff and implementing two-factor authentication for their systems.
Next, state voter registration systems allow eligible voters to register online and, in addition, acquire registered-voter information from other state-maintained systems, such as the Registry of Motor Vehicles. In general, then, voter-registration systems also are not cyber-attack proof. Voter files were lifted from voter-registration systems in Arizona and Illinois, for instance. Just recently, in Georgia, a private researcher discovered that the records of more than six million registered voters in the state as well as password files and encryption keys could be accessed online by anyone looking.
Initially, it was thought that individual actors seeking critical information to create identities and commit credit card and other financial fraud were behind the voter-registration system breaches. We also now know the attack on the Illinois voter-registration systems—and likely other state systems as well—was carried out by Russian agents, primarily to sow distrust in the minds of voters and make them lose confidence in our election process and outcomes.
The hackers in the Illinois case employed a well-known attack technique known as SQL Injection, most likely using stolen or easily guessable passwords—certainly not rocket science. The good news is that Illinois has since put in place many effective mechanisms, including enhanced password requirements, two-factor authentication, better firewall rules and technology to prevent repeated intrusion attempts. Every state and local government should put into effect these types of simple yet effective techniques to bolster the defense of their voter registration system.
Finally, our voting or balloting systems are not connected to the Internet, at least during voting, and that prevents them from being hacked. Isolating voting machines from the Internet was one of the most important recommendations made by the Department of Homeland Security (DHS).
A smart card with a memory chip containing a vote-total report is ejected from a voting machine, and this card with cryptographically protected data is then securely handed over to a central location that houses vote tally systems. The vote report may also be transferred in a magnetic medium or secure wireline or wireless connection.
Though these central-location systems themselves may be vulnerable, because there are few of them, it's possible to mitigate the prospect of a hack by practicing good "cyber hygiene," which includes using long and complex passwords, updating virus definitions, running security scans, updating software and backing-up data. Those central locations should also be protected with good physical security features such as smart-card access, video surveillance, and two-factor authentication for all users and the logging of all activities.
By keeping proper records of voter tallies in all precincts, any breach of these systems or in the data handover can be detected, and its effects can be nullified during vote review and certification.
Although 30 states allow online voting, its scope is limited. For example, in 20 states and the District of Columbia, only certain voters living abroad will be allowed to return their absentee ballots via email or fax.
A Question of Trust
So what have we learned since the 2016 election? For starters, we have learned a lot about who hacked various systems and what motivated them. Prior to 2016, we emphasized securing ballot systems and vote-tallying systems by not connecting them to the Internet, by transferring data in a secure manner, and by generally limiting physical access to these machines.
But, mainly, we have learned that these measures are not enough. We need to secure every system involved in—and every process associated with—our elections for citizens to keep their faith in the fairness of our election system and, thus, in our democracy.
Arguably, perhaps, the critical question we should be asking post the 2016 election hack is: "should U.S. citizens trust our election results?"
Prior to the 2016 general election, about 34 percent of likely voters believed that the election could be rigged, according to a Bloomberg Politics Poll. The Russian state actors who hacked DNC systems and voter registration systems in various states have succeeded too well in sowing distrust. It is likely that more people have lost faith in our election outcome since the 2016 presidential race.
The pressing issue is not just one of balloting and vote-tallying systems information security. It is about assurance and the trustworthiness of all voting-related systems and processes.
There is no direct evidence that Russian hackers manipulated the voter rolls in the 2016 election, but this does not mean a cyberattack will not lead to such manipulation next time. There should be concern that hackers might attempt to delete or manipulate voter rolls, thus disrupting elections by causing long lines at the polls and delays in vote counting.
In addition, though registered voters whose names are missing from the voter rolls may exercise the right to cast a provisional ballot, there is no guarantee that that vote will be counted. It should be stressed, though, that the impact of voter-roll manipulation could be minimized. A process should and can be put in place to detect, daily, any alteration to the voter database. Also, the voter-registration deadline occurs several weeks in advance of an election, allowing plenty of time to detect and correct any voter-roll hacks.
Rigging an election by tampering with voting machines would be nearly impossible if adequate processes are put in place. For starters, a public test of a voting machine in every polling booth and every tallying system should be conducted before each election to ensure that it is functioning as expected, and to assure the public that these systems can be trusted. However, we need to monitor access to these machines during each demonstration to prevent bad-actor incidents, such as the injection of malware using a thumb drive.
The diversity of vendors also helps with election security. Voting machines used throughout the country come from different vendors—all with different proprietary operating systems and voting application software, which makes an election hard to manipulate in any coordinated way. We should continue to maintain diversity in voting machines.
One other major voting-system concern exists at present. In some states, many direct-recording electronic (DRE) voting machines that do not produce any paper record remain in use. Georgia and New Jersey are two examples here.
When a voter pushes a button or lever, a DRE machine records voting data in its volatile memory components. At the end of—or a few times during—the election day, the DRE machine produces a tabulation of voting data to a removable memory component, such as a thumb drive. In the case of a machine failure, however, the contents of the volatile memory will be lost if there is no paper trail back-up. Some DRE machines in use are old, so patches for operating systems may not even be available for them. This certainly puts such machines at risk for crashes and lost votes.
Trustworthiness demands that we maintain a paper trail, that officials and party representatives verify all voting systems are working, and that all tally results in each precinct—or at least randomly selected precincts—are reviewed with paper ballots.
There are also election systems external factors that state actors, specifically Russians, continue to leverage to affect our elections processes and shake trust in our elections, such as social network campaigns launched from Russian accounts designed to convince voters to support—or reject—a certain candidate, political party or issue.
On October 3, 2017, CNN reported that a number of Russia-linked Facebook ads were geographically targeted to reach residents of Michigan and Wisconsin. President Trump defeated Clinton by a narrow margin in both battleground states. Social media companies such as Facebook, Twitter and Tumblr continually must be vigilant in identifying and preventing such postings from foreign accounts to mitigate their influence and sway over voters.
In addition, Microsoft recently reported the creation of fake sites by a group affiliated with the Russian government. Fake sites are likely to be used in spear-phishing attacks on users who are only too trusting, and it's vital that our information and network technology enterprises remain vigilant in detecting and removing them.
The bottom line is that many of our government and private institutions have learned a lot about what went wrong with the 2016 presidential election, but more must be done to protect our election systems and maintain the trust of voters. As an important first step, Congress should immediately pass the bipartisan Secure Elections Act, which mandates a paper trail and post-election audits, and also includes voluntary cybersecurity guidelines for states. Congress also needs to set aside money for states to comply with this bill if it were to become a law.
The cybersecurity of our election systems and trustworthiness of our election processes are certainly getting more attention, and many right steps are being taken to help ensure systems integrity—and our trust. But, as we approach the 2018 mid-term elections, a good question to ask now is this:
Are we doing enough to make citizens believe in the fairness of our elections?
Balakrishnan Dasarathy, Ph.D., is professor and program chair of Cybersecurity and Information Assurance at University of Maryland University College (UMUC). Prior to joining UMUC in September 2012, he spent 30 years in industry R&D. He has worked in both telecommunications—at GTE Laboratories, now part of Verizon, and at Bellcore and Telcordia, now part of Ericsson—and in finance at JP Morgan. Dasarathy has applied his information assurance, cybersecurity, software and network engineering skills to commercial and military systems. He has published extensively in the areas of information assurance, communication networks, middleware and distributed computing. Dasarathy received his doctorate in computer and information science from the Ohio State University and is a Certified Information Systems Security Professional (CISSP).