Mumbai: National Stock Exchange of India Ltd (NSE) and BSE Ltd have written to some listed companies in the Tata group seeking a secretarial audit by their audit committees, four people with direct knowledge of the matter said, including two exchange officials.
A secretarial audit is done to check compliance of various legislation including the Companies Act.
The audit committees will check disclosures made by these firms to see whether they are adequate, the four people added.
The Indian Express reported on 5 December that the Securities and Exchange Board of India (Sebi) had asked exchanges to tell listed Tata firms to undergo an audit after allegations of corporate governance violations were raised by Cyrus P. Mistry, the ousted chairman of Tata Sons Ltd, the group holding company.
Spokespersons for NSE and BSE declined to comment on specific queries sent by Mint.
Sebi itself is examining whether the Tata companies have violated any provisions of the Sebi Act, particularly those relating to listing norms and insider trading rules.
On 8 November, The Economic Times reported that the capital markets regulator was examining whether the Tata companies disclosed price-sensitive information to Tata Sons directors and Tata Trusts trustees.
It remains an examination, said one of the four people cited above, all of whom spoke on condition of anonymity, and is not yet a "formal investigation".
Sebi started its examination after Mistry's leaked letter to Tata Sons directors said some group companies were staring at a potential $18 billion writedown.
He also cited the example of a board meeting that was held up because directors nominated by Tata Trusts had to leave for an hour to seek instructions from Ratan Tata, who is chairman of Tata Trusts.
"Exchanges are front-line regulators and it is necessary for them to ensure all the time that the companies listed (on them) are compliant. So, if there is any claim or complaint made by anyone regarding the accounts of a listed company or (disclosure related violations), the exchange needs to verify from the auditors if all the due diligence has been followed by the concerned listed company," said the second of the four people cited earlier.
A day after Mistry's letter became public, NSE wrote to Indian Hotels Co. Ltd, Tata Motors Ltd, Tata Steel Ltd, Tata Power Co. Ltd and Tata Teleservices (Maharashtra) Ltd—companies that were referred to as legacy hotspots in Mistry's letter—seeking clarifications.
The companies replied to the exchanges stating that they have made full disclosures of material events.
Sebi did not respond to an email seeking comment.
In an email, a Tata Sons spokesperson said that the matter concerns group companies and not Tata Sons.
A spokesperson for Tata Motors said the company has received letters from BSE and NSE and has responded to them.
"The news confirmation letters from the Exchanges are also available on their websites. We have no further comments to offer," the spokesperson said.
Tata Chemicals, Tata Global Beverages, Tata Power, Tata Steel, Indian Hotels and Tata Consultancy Services Ltd didn't respond to emails.
These developments come even as Nusli Wadia, an independent director on the boards of three listed Tata companies—Tata Chemicals, Tata Steel and Tata Motors—has also complained to Sebi about violations of insider trading norms.
He also claimed that the shareholder resolutions moved by the three companies seeking his ouster were in violation of corporate governance norms. Wadia's complaint will be covered by Sebi's ongoing examination, said the first of the four people cited earlier.
Six Tata group companies are also holding shareholder meetings to oust Mistry as director.


Value Added Tax (VAT) is levied on the sale of goods or services by UK businesses.
VAT is collected on behalf of HM Revenue & Customs by companies. A company pays VAT to HMRC by calculation the amount of VAT charged to customers minus any VAT they have paid on their own purchases.
All goods and services are either VAT-rated or VAT-exempt. VAT-exempt items include rent, private education, health services, postal services, finance and insurance, and gambling.
A business must register for VAT once the sales exceed £67000 (as of 1st April 2008) in a year, or else you can make a voluntary registration even before hitting this threshold.
VAT is charged on goods at different levels. The current standard rate of 20% applies to most items.
A Reduced Rate of 5% applies to many items including mobility aids for the elderly, smoking cessation products (nicotine patches and gum), electricity and gas for domestic and residential use, children's car seats, booster seats and booster cushions and many more.
Finally, there is a Zero Rate on many items, including but not limited to - Cycle helmets (CE marked), Protective boots and helmets for industrial use, children's clothes and footwear, baby wear, printing of brochures, leaflets and pamphlets, aircraft repair and maintenance, building services for disabled people.


text:
Low-income commuters can save half on tolls thanks to relief program
Posted 8:05 pm, February 8, 2018, by Kim Cung, Updated at 11:27PM, February 8, 2018
NORFOLK, Va. - Low-income commuters can apply for a program to save $1 off each trip they take using the Downtown or Midtown tunnels. It's part of the Toll Relief Program sponsored by the Virginia Department of Transportation.
People who live in Norfolk or Portsmouth who earn $30,000 or less a year are eligible.
"It's not complete relief but it certainly is a benefit," said Paula Miller, a spokeswoman for VDOT.
The program kicked off last March with 2,100 applicants. Elizabeth River Crossings, which oversees the tunnels, has pledged to give $500,000 every year for 10 years. Whatever amount isn't used that year will roll over to the next.
To sign up, applicants must go to an E-ZPass Customer Service Location. There are two: 1701 Church St in Norfolk and 4010 Victory Boulevard in Portsmouth. They are both open Monday through Friday from 9 a.m. to 7 p.m. and Saturday from 12 p.m. to 5 p.m.
Applicants must provide proof of residency and proof of income. The deadline to apply is Feb. 15.
"Every little bit helps and I think that's how people have responded they know it's not absolute relief but it helps and every little bit helps," said Miller. Commuters will pay the regular rate at first. After their eighth trip, they will get an $8 credit on their E-ZPass, then $1 will be taken off each trip for the rest of the month for an unlimited amount.
So far, more than 1,000 people have applied for this year's program.
"It's very important those who are already enrolled in the program know they have to reapply," said Miller.
Filed in: Money, News
Topics: commuting, norfolk, Tolls, VDOT
Enrollment for VDOT's 2020 Toll Relief Program now open
Tolls to increase in 2020 for Elizabeth River Tunnels
Advocacy groups concerned HRBT expansion is threatening massive bird nesting site
Woman sustains life threatening injuries after striking VDOT truck and injuring worker, State Police say
Police chase leads officers through three Hampton Roads cities, suspect still at large
Food & Entertainment Good News
Young, female child actors wanted for Norfolk run of hit Broadway musical 'Waitress'
Money News Politics
Pamunkey Tribe signs agreements with Norfolk to purchase land, develop resort & casino
St. Paul's residents file lawsuit, protest over Norfolk's redevelopment plan
'It's like an early Christmas present' Norfolk family reunited with missing dog 'Turkey'
Non-profit pays off layaways for dozens of Navy families at Norfolk Navy Exchange
Norfolk Committee on Gaming meets with public for the first time
Newport News Public Schools to hold Hiring Extravaganza on November 16
Man arrested after crash involving VDOT work truck in Portsmouth

redpajama_set_name: RedPajamaCommonCrawl


I would like to introduce you to an HDR series, that will hopefully open new doors to help improve your HDR workflow. I've been shooting HDR for a little over 14 months. Maybe not a very long time but after pushing sliders around in Photomatix I wasn't quite satisfied. Eventually I reached that ah-ha moment when introduced to new techniques, so I hope with this series to help you achieve your very own ah-ha moment. Be sure to look for Part 2: Image Management in Aperture 3 and Part 3: HDR Tone-Mapping!
– Your DSLR should have Auto-Exposure Bracketing (AEB) but if not you can still shoot your brackets by hand.
– I always shoot HDR in RAW (Full Resolution) with my camera in "Manual" mode. You can use "Aperture Priority" mode, but if your bracketing manually like I do then you'll want to use "Manual" mode.
– Now your set up to bracket for HDR, but you'll will need to decide on how many brackets you need for your scene.
– I never shoot higher than f/16 unless I'm shooting a landscape with incredible depth, this is due to the lens loosing detail at higher f/stops.
– Exposure should to "0" (zero) if in Manual Mode.
– ISO is an interesting subject. Many say to shoot at your camera's "Lowest" ISO settings to reduce the pixel noise in your Tone-Mapped images. My cameras lowest ISO setting is Lo1, which is ISO 100. I've shot at ISO 100 since I purchased my camera, but have been recently using ISO 200 as the lowest. Apparently there have been optimum ISO settings designated for our cameras sensors, each might be slightly different. There is debate over whether going below optimal (which for my camera is about ISO160) is degrading the image. For this I've decided to live at ISO 200 for a while and see what happens.
Step #4: Ready, Aim, Fire!
– Tighten up your tripod, consider weighing the middle down with your camera bag.
– Be sure to fire with a Remote Release!
– Reviewing your brackets on the LCD monitor will help you decide if you have all the information. If the brightest bracket is too blown out, then back off your exposure by a 1/2 to 1 full stop and bracket again. So now your ready to capture all the dynamic range in a given scene. If your a bit more advanced with shooting HDR, you may have found Part 1 very basic. Part 2 will cover image management in Aperture 3 and how to prepare your RAW files for HDR processing.


text:
PILOTS / SHORTS
info@rotundafilms.com
Copyright © 2018 Rotunda Films. All Rights Reserved.
When a small semi pro cage fighting team are given the chance to fight against the world champions.
They don't stand a chance, until a dark stranger with a darker past enters their lives.
The tale of a young girl, running away from home who finds herself on a wild adventure with a mysterious bounty hunter!
A classic 80s style horror film about a group of young kids who unearth an ancient evil. They find themselves in a race aganst time to stay alive.
Police Detective Alex Taylor is drawn into the dark seedy underworld in order to solve a disturbing crime.
The further he digs the more he becomes absorbed into this dangerous and bizarre world... Maybe he's gone too far.
WATCH FILM BUY FILM TRAILER
George, convinced a ghost killed his family, hires Robert, a talented Medium frustrated by his job. As the dead return to tell of ghostly seduction, demonic rage, and brutal murder, Robert discovers a horror more real than any ghost story.
In dark times Brtain looks for a hero to protect her.
Step forth a group of superheroes who may just be strong enough to save the day!
A mythological reasearch expert ins drawn into a deadly race with insane cultists to get their hands on an ancient evil artefact that could destroy the world.
This dark action adventure is exciting, terryfing and not what you'd expect.
TRAILER WATCH FILM
A funny and gritty film following 6 twenty-somethings as they work behind the bar on a boring Wednesday night in a dank pub in Birmingham. Their relationships change as they gradually realize they didn't know each other as well as they thought.


text:
Q: How to get a class name from a tag I want to change  color and  text every time when I press the button.
I need to put something into data == '0'

  <a class="btncolor--blue bt_register" href="<?php echo '/advertiser/campaign/' ?>">
    Start

jQuery(document).ready(function($) {
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    var link = jQuery(this);
    var params = link.attr('href').split('/');

    jQuery.get(link.attr('href'), function(data) {
      console.log($('#sidebar div:eq(14)').attr('class'));
      if (data == '0') {
        link.find('span').text('Start');
        link.attr('class', 'btncolor--red bt_register');
      } else {
        link.find('span').text('Stop');
        link.attr('class', 'btncolor--blue bt_register');
      }
    });
    return false;
  });
});

A: If you haven't found solution yet, I show one of the many possible solutions:

jQuery(document).ready(function($) {
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      if (data % 2 == 0) {
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        link.removeClass("btncolor--blue")
        link.addClass("btncolor--red");

      } else {
        link.find('span').text('Stop');
        link.removeClass("btncolor--red")
        link.addClass("btncolor--blue");
      }
      data++;
      return false;
  });
});
.bt_register {
  color: white;
  padding: 20px;
}
.btncolor--blue{
  background-color: blue;
}
.btncolor--red {
  background-color: red;

}

    Start

Or shorter solution:
jQuery(document).ready(function($) {
  let data = 1;
  jQuery('.bt_register').click(function() {
    let link = jQuery(this);

    if (data % 2 == 0) {
      link.find('span').text('Start');
    }  else {
      link.find('span').text('Stop');
    }
    link.toggleClass("btncolor--red")
    data++;
    return false;
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});

A: You can try this out:
document.onready(() => {
    const $ = jQuery;
    $(".bt_register")
      .click(() =>
        $.get($("href"))
            .then(data => {
               $("span").text( data === 0 ? "Start" : "Stop" )
               $("#sidebar").class("btncolor--" + ( data === 0 ? "red" : "blue" ) + " bt_register")
            })
      )
})

redpajama_set_name: RedPajamaStackExchange


Who is the biggest surprise at this point in the 2017 MLB season? Is it the Minnesota Twins who are leading their division and have the third best record in the American League at 25 – 18. Or the Colorado Rockies who have the second best record in all of baseball?
Tweet us and tell us your thoughts or post them in the comments section on this age.
Every year Major League Baseball considers rule changes that are designed to tweak the game in one way or another to make it more appealing to the masses. This year however MLB is going too far.
Recently MLB announced that they will test a new rule in the minors that effects games that go in to extra innings. Their proposal, to start extra innings with a runner already on second base as reported by Yahoo Sports.
Major League Baseball already plays by different rules at different times of the season, but now they want to have different rules for different parts of the game? I am all for putting the best product on the field, but this is going way too far and is changing the way the game is played.
I respect Rob Manfred and the top guys in the MLB offices, but whoever came up with this idea should be ashamed of themselves. Any rule that changes how a game is played in the middle of a game is ridiculous and should never even be mentioned. You want to tweak the strike zone or the intentional walk, ok, as long as it is the same throughout the entire game and the entire season.
That's my thoughts, what do you think about this proposed rule change?


text:
phone 1-855-BDO DEBT
Debt Counselling Consumer Proposal Bankruptcy
How We Help Solutions Tools Advice Who We Are Book a Free Consultation
The truth behind 5 (more) debt myths
In this second part of our interview with two BDO LITs, we're busting myths about income tax debt, student debt and mortgage debt. Listen or read.
In part one of this interview, Tera Beljo had BDO Licensed Insolvency Trustees David Noronha and Jeff Lewis on BDO's Financial Wellness Podcast to look at five common myths about debt:
Debt will land you in jail (it won't)
Wage garnishments can't be stopped (they can)
Everyone will know if you go bankrupt (they won't)
You'll lose everything you own if you declare bankruptcy (you won't)
You're only responsible for half of a debt you co-signed for (you're responsible for the whole debt if your co-signer can't pay)
In part two of our two-part series, Tera, David and Jeff will look at numbers six through 10. Listen to this episode or read the full transcript below.
Financial Wellness Podcast transcript: The truth behind 5 (more) debt myth
Tera:
Hi, you're listening to the BDO Financial Wellness Podcast, and I'm your host, Tera Beljo. And we have another great episode in store for you. This is actually the second part of what turned out to be a fantastic discussion with David Noronha and Jeff Lewis. David and Jeff are Licensed Insolvency Trustees with BDO Debt Solutions, and they hear many misconceptions about debt and debt solutions when they meet with clients for the first time.
1. Myth: Credit repair is impossible after a bankruptcy or consumer proposal filing.
In part one of our Truth Behind The Debt Myths series, David and Jeff set the record straight about myths one through five. Let's hear what they have to say about the next five common debt myths. You might be surprised to learn the facts behind the fiction. David, next myth is yours. If I file a consumer proposal or a bankruptcy, will my credit be ruined forever?
David Noronha:
Okay, I think the operative two words there is ruined forever because that is the myth because it isn't ruined forever, but a lot depends on what you do once you emerge from that insolvency process. Jeff and I have been doing this long enough to know that whoever files a bankruptcy or a proposal, they do the right things once their debt is taken care of, they're going to be easily able to rebuild their credit and they're going to be able to borrow money. I've had people that go bankrupt and within several years of their discharge, because they've done the right things, they're able to qualify for a mortgage. So, we get that all the time. "I'm never, ever going to be able to buy a house if I go bankrupt. I'm never ever going to be able to borrow money because my credit is going to be negative."
No, never is a long time. While you're in the process, absolutely, it's going to be really difficult. And I would argue while you're in it, you probably shouldn't have credit anyways, because we've got to fix those other things first.
Fact: Your credit score measures your ability to borrow money. It doesn't measure financial health
Before you get to that stage. So, baby steps before you start walking, before you start running. So yes, it is something to keep in the back of your mind and it's a question we get all the time. "I don't want to do this because it's going to wreck my credit." Well, even if you had good credit now because of your debt load and depending on your level of income to your expenses, you probably wouldn't even qualify for a simple line of credit because all of your other metrics are wrong. So people say, "My credit score is really great right now." Yeah, but you've got $100,000 worth of debt. You only make so much; you're spending $1,000 more than you're making every month. Nobody's going to lend you money anyways, even though you might have a great credit score. So what are we actually looking at here?
Jeff Lewis:
I'm just going to jump in there quickly, David. So, it is a little bit of a myth, Tera, that a credit score is not a measure of financial health and people think it is. A credit score is a measure of your ability to get credit. So, the reality is you can be struggling financially, but have a great credit score because you're just turning over your credit all the time. Then you could meet someone who doesn't really need to rely on credit, who's got money in the bank, has zero credit score because they pay cash for everything and don't need to use credit.
So, when I see people and they say, "Oh, I need to get my credit score back." You have to say to them, "Do you really need to borrow money here?" Now, if you're a certain age and maybe you're retired and retired people do file for bankruptcy, they're not going to buy a house and then they've stopped driving. They may not need to get a credit score. So, we say to them, "Well, budget. Learn to live on your income." But again, if you're a young person and you got many years to go through life and you want to buy assets, absolutely, you need to get yourself a decent credit score. So, you have access to those really good rates of credit that people have available now.
Fact: If you do the right things once your debt is cleared, you'll be able to repair your credit and borrow money again
So also, too, I've heard some of our LITs say the reality is your credit may already be damaged before filing. So, what can they do to bring it back after a filing? What are the steps there?
Well, the first step is you got to take care of your current debt, that's the first step. But once you get to that stage, then you need to then start getting positive marks, or pings, or hits, or whatever you want to call it on your credit score. The easiest way is to go out there and get what's called a secured credit card and then use it properly. So, maybe you go out once a week and buy gas and then you put your credit card away, you don't use it again. Then when you get your bill, you pay it off in full, not minimum payment, not part of the payment, you pay it off in full. And you repeat that process as you go along.
Now, the other thing to remember is, and Jeff alluded to this, while you're in a proposal over a bankruptcy, if you have a car payment that you've been maintaining, that's going to help your score as well too, because that's being reported on your credit report. And if you are a renter, because most of them are, in a lot of cases, you can get a positive letter or referral or reference from your landlord who says, "Yes, this person's been a model tenant. They've never missed a payment." So, there are those things that you can do. Now, not one of them alone is going to solve your problem and all of them together will eventually do that because a lot of people think that you can snap your fingers, do all the right things in the span of three or four months and improve your credit score dramatically. Doesn't happen that fast. It takes a little bit of time, but it can be done, but you have to do those right things, create those positive experiences, so that whatever's being reported to the credit agency is being noted properly because credit agencies are simply recording stations. They take the information in, so the information that you want people, or the creditors, to be giving them is positive information.
Fact: Paying your bills and credit card debt on time and in full after a bankruptcy will help get you out of bankruptcy faster.
So yeah, and that's absolutely right, David, and you got to remember that credit agencies are - they're private enterprise. So, they report the information that they're given. One thing I would say is credit is such a big area, credit agencies and credit reporting. We could talk for another hour just on that one subject, maybe it's another idea for another podcast, but remember if this is your first bankruptcy in Canada, hopefully it would be, then it's only nine months. It's a fairly quick bankruptcy. So, after nine months, you're debt free and you can start to bounce back from that fairly quickly.
If you file a proposal, which a lot of people do now, then even whilst you're in the proposal, you can start to build your credit during the proposal period. So, lots of things you can do. And again, it's such a difficult and complex area. Again, talk to a licensed insolvency trustee, such as BDO, and get some really good advice before you decide which action you want to take.
2. Myth: You won't be able to renew your mortgage after a bankruptcy or consumer proposal filing.
Okay, so thank you both for that. That was really good. You're right, we've done one credit podcast and there's still so much more, we haven't even scratched the surface of credit. So, I'm going to do number seven with you, David. I will not be able to renew my mortgage if I file a bankruptcy or a consumer proposal.
Again, another myth because it happens all the time when people are in an existing mortgage, they're worried because they won't be able to renew it with whoever it is their lender is. Typically, what happens in that situation is when it comes time up for renewal, you just go through the normal renewal process because remember, lending by those institutions is such a competitive business. They don't necessarily want to lose your business because when they lend you, especially on a mortgage, they're clearly charging you interest, and as long as you make those payments on that mortgage, they're going to be making money off of you. So, if they don't renew that mortgage with you, chances are you're probably going to go somewhere else. And especially with housing prices the way they are now, it's not going to be really that difficult to have that mortgage on that place.
In fact, we have a lot of people coming in going, "How do I get out of my existing mortgage right now? Because I'm locked into a bad rate, I want to get a better rate." So, the competition for mortgages is extremely drastic. What you might lose the ability to do is negotiate a different rate because typically what happens is, and this has been my experience, is that when it's time for you to renew your mortgage, all the forms are sent to you. You check off the right boxes, sign here, send it back and, boom, the mortgage is automatically renewed.
Now, if you want to play hardball on your lender and say, "I don't want to pay." And I can't imagine how much lower you can get these days, maybe when mortgages were 12 per cent and you wanted to get it down to eight per cent or it was five per cent and you wanted to get it down to three per cent, maybe you could play one mortgage lender off on another. But now I think, what, mortgage rates are down to, what is it? 1.8 per cent or 2.2 per cent, or something silly like that. So, there's not going to be a lot of wiggle room with respect to that. So, I've almost never, and I can't say it has never happened because that would not be a correct statement, but it doesn't happen a lot. I haven't seen it happen, at least not to any of the individuals we've assisted with, in a very, very, very long time.
Fact: The Bankruptcy and Insolvency Act prevents lenders from withdrawing mortgage facilities to existing borrowers who are bankrupt or file a consumer proposal
Yeah. Also, there's another fly in the organ with this because very often people that have mortgages with their banks also have loans and credit cards with their banks as well. So, if they're going to file a proposal or a bank ... Well, generally a proposal if they've got a mortgage. Some of the concern is, "Well, will they withdraw my mortgage?" Another myth, "Once I file for my proposal." I've seen it very occasionally try to happen. The law does protect you as well, so the Bankruptcy and Insolvency Act does not allow a lender to withdraw mortgage facilities just because you file a consumer proposal or a bankruptcy, matter of fact, and most lenders are aware of that. So, if that's something that people are afraid of, you don't need to be.
That's really good to know.
Yeah, and that extends to car financing as well. So, it's almost along the similar vein because those lenders are secured on a specific asset. So, a mortgage is secured on your house, car financing whether it be a lease or a finance, is secured on the vehicle, because the other times people go, "I'm going to not be able to keep my finance vehicle when I file a bankruptcy or proposal." I think Jeff touched upon it briefly at the beginning of this podcast is no, as long as you make that payment and you haven't had a bad history with them, of defaulting and falling back, and then having to get caught up in all that sort of stuff, you should be fine. So, you're not going to lose your finance car if you've always made that payment and you're not going to lose your house if you've maintained that mortgage payment and the renewal on it is not going to be that difficult.
Sorry, one more thing. Yeah, sorry. Very occasionally, if you are close to renewing your mortgage and you do have unsecured debt, that's a great time to go and see a trustee because you can renew your mortgage, say for five years and then go and find yourself a five-year proposal and the two will run concurrently.
3. Myth: You can't include student debt in a consumer proposal.
Perfect. Okay, so number eight. David, I'm going to go to you again. I can't include my student loans in a consumer proposal for a bankruptcy.
Fact: If you've been out of school for at least seven years, you can include student debt in a consumer proposal
Okay, so student loans is what we call a special debt, or at least that's what I call it, because there are different rules that govern student loan debt and the straight and narrow of it is simply this. If you have been out of school for more than seven years, you can include your student loan debt. Now, there's timing issues with respect to that. So, say for instance, you last attended school on the 7th of April. Well, it's not seven years from the 7th of April because typically the government takes it to the last day of the month. So, it's usually the last day of the month in which you were in school. So, if you want to go and file a bankruptcy, then you better file it on May 1st seven years from the date of April 30th using the example that I've had.
Where it gets really, really tricky and there's different jurisprudence on it, in fact, I just read an article on it the other day, is there's something called multiple dates when it comes to student loans. That simply refers to the fact where say you got a student loan to go to McMaster for business and you took a two-year program and you struggled, or you just realized that it wasn't for you and you left school. And then eight years later, you decide to go back to university. So, now you're past seven years, but you've gone back in the eighth year and you want to take nursing. Well, some have argued, and in some cases successfully that, "When I go back to school for nursing, had nothing to do with my business degree more than seven years ago. So that student loan, I should be able to file a proposal or a bankruptcy on." Well, unfortunately this is where it gets gray, because a lot of places are saying, "No, it's seven years from the last time you were in school, regardless of what topic you were taking."
So, it's flip-flopped back and forth. That's again, why it's really important to talk to an LIT because those rules change all the time based on government rulings or court rulings and the jurisprudence changes on a regular basis because there was a period of time where we operated not on the multiple date thing where we said, "No, if it had nothing to do with the prior loan, then yeah, you can go bankrupt on that student loan." Well, now it's a little bit more gray because there's been recent ruling saying, "Nope, that rule doesn't apply anymore."
So typically, if you have been out of school for more than seven years and you haven't gone back to school, then yes, that debt can be included in a student loan in a bankruptcy. But here's one thing to remember, and this is where sometimes it also gets a little tricky. If it's a federal student loan, so a national student loan, even though you may have gone bankrupt or filed a proposal that has taken care of it, because it's more than seven years old, we've had stories where Canada Revenue Agency has decided to keep your tax refunds against that debt. Then it becomes a little bit of a battle to try and get that back for you.
So, just be cognizant of that potential issue. When individuals come in and talk to me, I always say to them, "Be aware of it in case it happens. If it does, let us know. We'll go to bat for you, we'll try and send the proper documents and get that refunded to you." But that's just something to be aware of.
Yeah and also, if it's more than five years, so you've been out of school for more than five years before you filed your bankruptcy or proposal from the last day you attended school or did your last exam, but less than seven years, once you get discharged from your bankruptcy or the proposal's finished, you can actually apply to court under certain hardship provisions. It's not a given, but if you can show that the registrar or the judge that you're not working in the same industry that you studied in and you have no chance of paying back your student debt, then sometimes they will discharge it for you as well.
So, when the government looks at student debt, they once said to me they're investing in the future, in the person's future. The idea is they're going to get themselves a university degree, get a better job and then have the money to pay them back in the future. So, that's the whole premise behind it. But a lot of times, Tera, for one reason or another, they don't end up working in the profession that they've studied in, right? And they don't get the benefits of that.
Fact: There are government programs that provide student loan debt relief
Yeah, definitely. And, David, is there any other options for student loan assistance?
Well, you can rely on whatever the government allows you for relief assistance, non-payment assistance. There's a whole slew of them. You just go to whatever the ministry, the provincial student loan site, or even the federal and avail yourselves of that. We do a financial literacy presentation where we talk about student loan debt. One thing we always stress is when you start school and you have student loan debt, you need to be thinking about how you're going to effectively try and repay that back. Unfortunately, the statistics are so overwhelming. I think the last stat I saw that said that if you have student loan debt, the average student that graduates has about $30,000 worth of debt that they have to repay back. If you don't have a decent job, or if you don't have income that exceeds your expenses at a reasonable amount, how on earth are you even possibly able to do that?
So, familiarize yourself with all of those government assistance programs to take advantage of them as much as you can. The one thing you need to be aware of is whatever one you apply for, make sure that if it's suspension of payment or whatever, that they also suspend the interest payments. Now, I know with COVID, the government has enacted different rules right now that basically has alleviated that. But like everything else, once they get out of this COVID panic, as I call it, the old rules may come back and you just got to make sure that whatever you're being charged is the right amount.
Yeah, and just as an epilogue to that, David, just if people are listening and they do have debt and part of that is student debt, you can still file a consumer proposal for all of your debts. What will happen is the trustee through the proposal mechanism, will pay back part of your debt for you to student loans. The bit that's left because the debt was less than seven years old, you can take care of that yourself. It doesn't prohibit you from filing. So, it's still an option available to people. Again, it depends on your circumstance. So again, reach out to a trustee so we can evaluate your unique circumstances for you and give you some advice on that.
Yeah, and that's a good point to point out, is just because you have other debt and your student loan debt isn't forgiven, does not preclude you from filing or availing yourselves of a bankruptcy or a consumer proposal option. But an LIT can explain how both of those work at the same time. So, that is a really good point.
4. Myth: You can't include income tax debt in a consumer proposal.
Perfect. All right, we're almost at the last one. So, we're at number nine now, and, Jeff, going to go to you. I can't include income tax debt in a consumer proposal or bankruptcy.
Fact: Income tax debt is treated like credit card debt for the purposes of a bankruptcy or consumer proposal
So yeah, this is a huge question at the moment, Tera, the reason is because the government - nine million people claimed CERB benefit in 2019 and again in 2020, which is an untaxed benefit, so a lot of people now are having tax debt that they didn't have before. It may not be a high tax debt from a dollar perspective, but it may just be that amount of debt that breaks the camel's back. So, the answer is generally yes, income tax debt is the same as ordinary credit. So, it's treated the same as a credit card, or a loan, or a bank loan. It is included in a bankruptcy and it is included in a proposal and the government, yes, they will accept a settlement in a proposal and then write the debt off in a bankruptcy.
Fact: CRA's position is like any other creditor, and they have vote in a consumer proposal just like any other creditor
Now, I'm going to ask a question, because this was asked of me by a friend the other day, and it came to mind because it has to deal with tax debt. So, when you're doing consumer proposal, you go to all the creditors and you ask them to accept the proposal. If the CRA does not respond and the proposal goes forward, can CRA come back to you and take the money?
No, no. So, they're treated the same as any other creditor. So, in the consumer proposal, they're as a statutory voting period, it's 45 days. So, at the end of the 45 days as trustees, we count the claims that we've received, and a claim has a vote attached to it. So, as long as we receive majority, in terms of dollar value of the votes that we receive in favour of the proposal, then all the creditors are bound by the terms of that proposal, 15 days later, once it grants court approval, and that includes the Canada Revenue Agency. So yeah, if they don't vote and we get enough votes in favour, then they are bound by the terms, absolutely.
Perfect, thank you.
Yeah, that's a really good question, Tera, because a lot of people think that, "If I owe $20,000 in credit card debt and the government is owed 10 grand in back taxes ... " Well, if you file a proposal and the 20, as Jeff alluded to all vote yes, even if CRA votes no for their 10, because the 20 voted yes, the CRA's 10 has to be included in that. So, they're bound by the law to be part of that proposal, even though they voted no. So, that's something to remember.
Now where it gets difficult is if CRA is the 20 and they voted no. Now they control that process. I think it's important at this stage to differentiate between what I call the three key CRA tax debts. You've got income tax, obviously, which is personal. If you are a sole prop or you're a director of a business and you have HST potential liability, that's a different sort of debt. Or the worst kind, is if you have payroll source deductions, which means you withheld income at source and you didn't remit it to the government, that's a really, really strong tax debt that the government isn't going to ignore. A lot of times people come to us and they owe tax debt. It could be one of the three, it could be a combination of the three. The important thing is you get to us before the government actually places a lien on your home for that debt. Because once the lien goes on there, it's a secured debt and you're stuck with it. So, if you're struggling with that, don't wait to come see us until after that lien is placed. Because once that lien is on there, it's really, really difficult to get rid of.
Now, there are tools but they're really hard to use. If you're struggling with tax debt, any of those three, get to us in the early stages so that we can beat the lien on any property that you may have.
Perfect. Jeff?
Yeah. So, David mentioned a good point. If all you do is owe income tax, so say you're self-employed and you've got outstanding returns and you file your returns and your accountant says to you, "John, your tax bill is huge, and you can't afford to pay it." Then we can still file a proposal for you. It is more negotiation with the Canada Revenue Agency, but absolutely we do it all day long and it is possible. So, as trustees, we have a good relationship with the individuals in the government, especially specific government departments, their insolvency group. We can have those one-on-one conversations and get an agreement in place that works for you.
Because they want to see you succeed as well. So, they're looking for how can they recover some of their tax and you can continue obviously working and supporting yourself. So, there is one different type of tax bankruptcy if you like. If you are unfortunate enough to owe more than $200,000 in unpaid income tax, then that does have special rules. Most people don't get to that level obviously, but if it is that high and it's the majority of their debt, which means more than 75 per cent, then there's an automatic what we call opposition for that. If you are in that level again, talk to a trustee who will advise you on the best way to deal with it.
5. Myth: Licensed Insolvency Trustees work for creditors.
Perfect, all right. And number 10, we're closing her out. Jeff, this one goes to you and I'm glad this is the last one because it wraps up everything we've said and makes it very clear. Here's the myth, a Licensed Insolvency Trustee works for my creditors.
Fact: Licensed Insolvency Trustees are mediators that work to help get people out of debt
Yeah. Okay, it is a myth. And we're in a unique position because a trustee is a court officer, all right. So, what that means is we sit in this position between the creditors, so the people you owe money to, and the debtor who's the person that will come and see us. Our job is to make sure that everyone's dealt with fairly. So, the debtor is dealt with fairly that they're dealt with correctly under the Insolvency Act, they receive the protection that they deserve. And from a creditor's perspective that they receive the return that would be allowed to them under either the calculation under a bankruptcy or in terms of a proposal, what the debtor can really reasonably afford to pay back.
So, someone coming to see us might say, "Well, we're paying you. We're paying you. You are our client." Well actually, no. We're paying someone to really act as a sort of mediator, a legal mediator in the middle to make sure that the act is transparent. Because you got to remember, money's a dirty business and the government are very aware of that. So, as government licensed trustees - and there's only a thousand in Canada, so it's a pretty unique position, that they want to make sure that people are dealt with according the spirit of the act, which is to help unfortunate debtors rehabilitate. That's the prime focus of what we do, we help people and make sure that they're dealt with fairly.
Fact: LITs have done their job when the outcome is fair for everybody
Yeah and just exactly right. We're in that unique position, and I always use a fence analogy when I say that, because as officers of the court, we represent the Bankruptcy and Insolvency Act and the debtors sit on one side of the fence and the creditors sit on the other side, both parties have rights given to them by this act. Our job is to make sure that they avail themselves or at least are aware of those rights. That's our duty to you but when you come in and see us, you don't know anything about the Bankruptcy and Insolvency Act.
So, our job is to help you understand that, to know what your rights and the things that you can do legally, to take care of this. That's our job. So, when you come in and see us, we're making you aware of all of that stuff. Then when we take that information, we file it, and we give that information to the creditors, the creditors come to us for a question. Our job is to make sure that they get the information that they're entitled to receive. So, it's not, we're out there working for the creditors to get as much as possible out of you for them. No, our job is to make sure that both parties, both sides, avail themselves of the act the way the act is intended to represent both sides, so that both sides are treated fairly.
So, I know a lot of our non-"licensed insolvency trustees", they use that phrase and throw it out there to try and steal, work away from us to say, "Don't go see an LIT because all they do is work for the creditors." No, that is completely untrue. Our job is even greater than that because we have a fiduciary and an obligation and a duty. We're governed by the act; we're licensed by the federal government. We have professional codes of conduct. If you go see somebody who's not an LIT, ask them those questions. Where's your professional code of conduct? Who do you answer to? Are you licensed by the federal government to do this? And you're going to get no, no, no to all of those, or they won't give you a straight answer. That tells you all you need to know. So, when somebody says that about us, it bothers me because that's not our role.
And I love the analogies you use because you know, fences make good neighbors.
So, thank you both. Before we go, I am going to see, is there any myth that either of you have heard that we didn't touch on today, that you want to debunk? Jeff, I'm going to let you go first.
You know, I won't call it a myth, Tera, but I'm going to say to you, almost every person that comes to see me says, "Jeff, I wish I'd come to see you two years ago." It's not a myth, but it's a fact and human nature, if you're in debt and you're struggling, and lots of people are struggling right now because of COVID, your natural strive is to try and fix it yourself. But sometimes you're in, we call it a debt spiral, where the interest gets so high that you just can't pay back any of the capital, and you're never going to get off debt. We've all seen our credit card statements that says, "Minimum payments you're paid off in 35 years," or whatever.
So, I would say it's nothing to be ashamed of. It's just things that happen to people. If you really just ... not even you think you need help, just want to have a quick chat about anything credit reporting, budgeting, reach out to a professional, such as a Licensed Insolvency Trustee, of course, which we are, and just get some free advice, because you may find it's the best phone call you made all year, really. If you need help, then again, you're in the right place to get the help.
Yep, just like life happens, debt happens.
Absolutely, yeah.
And, David, what about you?
Fact: You don't know what you don't know about debt
There's not much really, I can add on to it. The 10 myths that we touched upon, and I think we may have strayed from it a little bit and added a few in there, are really the key big ones. As Jeff pointed out, I think the biggest hurdle from a lot of people is actually reaching out for help. I think the key there is to make sure you're reaching out to the right professional to get the right information, so that you can decide what makes the most sense for you.
The sooner you do it, the better, because the sooner you do it, the more options we're going to have, and the more time we're going to have to analyze it, structure it and put the right things in place. If you wait till the very end and in some worse case scenarios, exhaust all personal resources that Jeff's alluded to, well, maybe if you'd come to at the very beginning, we could have figured out a way, and again, through legal means, that you don't have to exhaust all of your resources. In fact, you can keep some of them and still be able to get rid of your debt. Wouldn't that have been better than trying to do everything on your own, lose everything, and then be left with no options whatsoever?
So, I always stress that. If you think you're struggling, talk to us, we'll give you the right information. And then you can decide what makes the best sense for you, because we'll explain all of those things to you in a fashion that you'll understand. We're almost Coles Notes versions, for lack of a better description. So, that's our job.
Jeff is absolutely right, people are saying, "I wish I'd talked to you sooner. I wish I'd done this sooner it would've been so much easier in my last year or two years of my life. I could have been rebuilding instead of struggling."
Yeah. And actually, David, I'm just going to throw in something that's come into my head there, pension funds. If you've got pension funds, don't withdraw your pension funds to pay off your debt, go and see a trustee because that's also an exempt asset by large. What you don't want to do is ruin your financial future when you retire to try and become debt free now. So, all sorts of reasons just to reach out, Tera you don't know what you don't know, that's the problem.
Perfect. Thank you so much, both of you, for sitting down with me today. I can't wait to do it again. It was really fun.
Yeah, it was awesome. Thanks guys, I really enjoyed it.
Once again, I want to thank my guests, BDO Licensed Insolvency Trustees, David Noronha and Jeff Lewis, for taking part in this two-part series: The Truth Behind Debt Myths. If you are looking for more Financial Wellness Podcasts, videos, debt management resources and tools, please visit our website debtsolutions.bdo.ca. And remember, we are here to help you turn the page on debt. Your next chapter is waiting.
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text:
l'Européenne de Bruxelles
Police detained Moroccan smuggling to Spain via Gibraltar
January 14, 2020 691 views
Police in Spain and Gibraltar have smashed an unusual migrant-smuggling network which flew Moroccans into the tiny British territory then sneaked them over the border to Spain, arresting 47 people. The trafficking ring, which had operatives in Morocco, Gibraltar and the neighbouring Spanish city of La Linea, managed to sneak more than 130 Moroccans into Spain, earning profits of more than a million euros (dollars), Gibraltar police said in a statement on Sunday (12 January). Most of the migrants stayed in Spain but others travelled on to France, Italy and…
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Germany warns of a "second Syria" as the EU receives Libyan Prime Minister
January 9, 2020 833 views
EU leaders met the head of Libya's UN-recognised government Wednesday (8 January) as they scramble to contain the escalating crisis there, with Germany warning the country could deteriorate into a "second Syria". Fayez al-Sarraj, whose beleaguered Government of National Accord is facing an offensive by rival forces who control the country's east, met EU diplomatic chief Josep Borrell, who cautioned that Libya was facing a "watershed point". He also met EU Council President Charles Michel and German Foreign Minister Heiko Maas, who told reporters that "we want to prevent Libya…
Iran's supreme leader cries when a huge crowd mourns the slain general in Tehran
Iran's supreme leader wept in grief with hundreds of thousands of mourners thronging Tehran's streets on Monday (6 January) for the funeral of military commander Qassem Soleimani, killed by a US drone on the orders of US President Donald Trump. As the coffins of General Qassem Soleimani and Iraqi militia leader Abu Mahdi al-Muhandis, who also died in Friday's attack in Baghdad, were passed over the heads of mourners, Soleimani's successor vowed to expel US forces from the region in revenge. The killing of Soleimani, the architect of Iran's drive…
The main military operations of Turkey abroad, before Libya
After Turkey's parliament passed a bill on Thursday (2 January) approving a deployment of armed forces to Libya, here is a look back at some of the other Turkish military operations abroad. The deployment to Libya is aimed at shoring up the UN-backed government in Tripoli, which has been under sustained attack since April by military strongman General Khalifa Haftar, who is backed by Turkey's regional rivals. – Korea – In July 1950, during the first Korean War, Turkey joined an international force dominated by the US army to help…
Brussels court suspended extradition of ex-Catalan leader Puigdemont
A Brussels court has suspended the extradition of former Catalan pro-independence leader Carles Puigdemont, his lawyer said on Thursday (2 January). Paul Beckaert told Reuters that the Belgian judge in charge of the case had ruled in favour of Puigdemont and Toni Comin, another former member of the Catalan government, citing their immunity as members of the European Parliament (MEPs). The Belgian federal prosecutor's office was not immediately available for comment. The pair are wanted in Spain on charges of sedition after organising a failed Catalan independence referendum in 2017…
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The president of the European Council warned on Friday (3 January) against further escalation in Iraq after US forces killed an Iranian general, triggering fears of a wider conflict. "The cycle of violence, provocations and retaliations which we have witnessed In Iraq over the past few weeks has to stop," former Belgian premier Charles Michel said. "Further escalation must be avoided at all cost," he added, hours after a US strike killed Iranian covert force commander Major-General Qasem Soleimani at Baghdad airport. The United States killed Soleimani, head of the…
Turkish supreme court voted against violations of freedom of speech and Wikipedia ban
December 26, 2019 1042 views
With six out of 10 votes, Turkey's Constitutional Court ruled on Thursday (26 December) that the government's ban on access to the online encyclopedia Wikipedia violated freedom of expression, the official Anadolu news agency reported. The ban was imposed by Turkey's Information and Communication Technologies Authority (BTK) in April 2017. The move caused an outcry among freedom of information activists who accuse Turkey of slapping bans on websites and social media with alarming regularity. Turkish officials said at the time the measure was needed as Wikipedia had failed to remove…
Turkish parliament is preparing a bill allowing the sending of troops to Libya
Turkey may need to draft a bill to allow for troop deployment to Libya and its parliament is working on the issue, Presidential spokesman Ibrahim Kalin said on Tuesday (24 Decembrer), after Ankara signed a military cooperation agreement with Tripoli last month. "There might be a need for an authorisation in line with the developments over there. The parliament is conducting work on this issue," Kalin told a news conference in Ankara. "We will continue to support the internationally recognised Libyan government. This support may be in terms of military…
Kazakhstan leadership opens with "alternative opinion"
Kazakhstan's President Kassym-Jomart Tokayev delivered a major agenda-setting speech on Friday (20 December), outlining measures to improve the economy and social standards, but also introducing several democratic reforms. The Central Asian country is rich in resources, with a relatively small population and a huge territory, and keen to attract foreign investment. The EU as a whole is the number one investor in Kazakhstan. From the early stage of its post-Soviet transition, Kazakhstan has consolidated strong state power to avoid chaos. Today, as the country is considered successful at home and…
Rules for revolving doors must be followed
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Adieu Wehrmacht, bonjour Bundeswehr
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text:
package function.test;

import java.io.BufferedReader;
import java.io.BufferedWriter;
import java.io.File;
import java.io.FileReader;
import java.io.FileWriter;
import java.util.HashSet;
import java.util.StringJoiner;
import utils.ErrorManager;
import utils.LogManager;

/**
 *
 * @author nick
 */
public class ConvertDPBins {

    private static String input = "/nfs/goldstein/datasets/tmp/DP_bins_chr21.txt";
    private static String output = "/nfs/goldstein/datasets/tmp/DP_bins_10_only_base36_chr21.txt";
//    private static String input = "/Users/nick/Desktop/DP_bins_chr21.txt";
//    private static String output = "/Users/nick/Desktop/DP_bins_10_only_base36_chr21.txt";

    private static HashSet<Character> binSet = new HashSet<>();

    private static BufferedReader br;
    private static BufferedWriter bw;

    private static final int BASE = 36;

    public static void init() throws Exception {
        binSet.add('b');
        binSet.add('c');
        binSet.add('d');
        binSet.add('e');
        binSet.add('f');
        binSet.add('g');

        br = new BufferedReader(new FileReader(new File(input)));
        bw = new BufferedWriter(new FileWriter(output));
    }

    public static void run() {
        try {
            init();

            String lineStr = "";

            while ((lineStr = br.readLine()) != null) {
                String[] tmp = lineStr.split("\t");

                StringJoiner sj = new StringJoiner("\t");
                sj.add(tmp[0]);
                sj.add(tmp[1]);

                String DP_string = tmp[2];

                int previousInterval = 0;
                char previousBin = Character.MIN_VALUE;

                StringBuilder sbInterval = new StringBuilder();
                StringBuilder sbLine = new StringBuilder();
                int totalInterval = 0;

                for (int pos = 0; pos < DP_string.length(); pos++) {
                    char bin = DP_string.charAt(pos);
                    if (!binSet.contains(bin)) {
                        sbInterval.append(bin);
                    } else {
                        int inteval = Integer.parseInt(sbInterval.toString(), 36);
                        sbInterval.setLength(0); // clear StringBuilder

                        if (bin == 'b') {
                            if (previousBin == 'b') {
                                previousInterval += inteval;

                                // when it reach to the end pos and bin = previous bin
                                if (pos == DP_string.length() - 1) {
                                    sbLine.append(getBaseStr(previousInterval));
                                    sbLine.append(previousBin);
                                    totalInterval += previousInterval;
                                }

                                continue;
                            } else if (previousInterval != Character.MIN_VALUE) {
                                sbLine.append(getBaseStr(previousInterval));
                                sbLine.append(previousBin);
                                totalInterval += previousInterval;

                                // when it reach to the end pos and bin != previous bin
                                if (pos == DP_string.length() - 1) {
                                    sbLine.append(getBaseStr(inteval));
                                    sbLine.append(bin);
                                    totalInterval += inteval;
                                }
                            }
                        } else // bin >= c
                        {
                            if (previousBin == 'b') {
                                sbLine.append(getBaseStr(previousInterval));
                                sbLine.append(previousBin);
                                totalInterval += previousInterval;

                                // when it reach to the end pos and bin != previous bin
                                if (pos == DP_string.length() - 1) {
                                    sbLine.append(getBaseStr(inteval));
                                    sbLine.append(bin);
                                    totalInterval += inteval;
                                }
                            } else {
                                previousInterval += inteval;
                                previousBin = 'c';

                                // when it reach to the end pos and bin = previous bin
                                if (pos == DP_string.length() - 1) {
                                    sbLine.append(getBaseStr(previousInterval));
                                    sbLine.append(previousBin);
                                    totalInterval += previousInterval;
                                }

                                continue;
                            }
                        }

                        previousInterval = inteval;
                        previousBin = bin;
                    }
                }

                sj.add(sbLine.toString());

                if (totalInterval != 1000) {
                    LogManager.writeAndPrint(lineStr);
                    LogManager.writeAndPrint(sj.toString());
                }

                bw.write(sj.toString());
                bw.newLine();
            }

            bw.flush();
            bw.close();
        } catch (Exception e) {
            ErrorManager.send(e);
        }
    }

    private static String getBaseStr(int value) {
        return Integer.toString(value, BASE).toUpperCase();
    }
}

redpajama_set_name: RedPajamaGithub


text:
Home > Sports > Zlatan pushes for United starting spot against Brighton
Zlatan pushes for United starting spot against Brighton
Agencies24 Nov 2017 5:48 PM GMT
Manchester: Zlatan Ibrahimovic is in contention to make his first Manchester United start in seven months tomorrow after completing his comeback from a career- threatening knee injury.
The striker enjoyed an impressive first season at Old Trafford following his free transfer from Paris Saint-Germain in July 2016, only for it to be cut short by cruciate knee ligament damage sustained in a Europa League quarter-final victory over Anderlecht in April.
Both Ibrahimovic and defender Marcos Rojo, who suffered a similar injury in the same match, have now fully recovered from their injuries and could play a key role as United host Brighton in the Premier League this weekend.
Ibrahimovic has appeared as a substitute in each of United's past two matches, coming on as Newcastle were beaten 4-1 at Old Trafford last Saturday, and again on Wednesday in a 1-0 Champions League defeat by Basel.
Rojo made his comeback by featuring at centre-back against Basel and is likely to be asked to play there again on Saturday as Phil Jones has a thigh injury and fellow defender Eric Bailly is struggling to recover from a knock.
Despite those defensive concerns, Mourinho is close to having a full-strength squad for the first time in months, with Paul Pogba feeling his way back to full fitness following a serious hamstring problem.


Keep customers and business partners informed of new products and services.
Direct contact with people interested in your business.
Reduces marketing efforts – can offer promotions directly to customers.
Collect customer research via surveys and responses.
Cost effective marketing and communication with a targeted audience.
Can schedule regular communications with customers – for anniversaries, birthdays, etc.
Offer information to help purchase decisions.


CONTENTS1. Introduction of Law2. Law of Torts (a) General Defences(b) Torts in Relation to Persons(c) Defamation(d) Nervous Shock(e) Negligence(f) Nuisance(g) Strict Liability(h) Doctrine of Abso..
DescriptionThis comprehensive book is specially developed according to the latest syllabus for the candidates of LLB (After Graduation-3 Years) Entrance Examination. This book is for Delhi Unive..
Contents2016 & 2011 Question Papers1. Legal Aptitude2. Reasoning3. English Language 4. General Awareness..
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DescriptionR. Gupta's Popular Master Guide Guru Gobind Singh Indraprastha University BA/BBA-LLB (Integrated) Common Entrance Test is a comprehensive book for class 12 students aspiring for admission..


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Q: Nearest color algorithm using Hex Triplet Wikipedia has a list of colors that I am using for a basis of color names.  I want to find the nearest named color given an arbitrary RGB value.
For example #5D8AA8 hex triplet is "Air Force Blue". This information will be stored in a database table (tbl_Color (HexTriplet,ColorName)) in my system
Suppose I created a color with #5D8AA7. I need to get the nearest color available in the tbl_Color table. The expected answer is "#5D8AA8  - Air Force Blue". This is because #5D8AA8 is the nearest color for #5D8AA7.
Do we have any algorithm for finding the nearest color?
References

*

*Algorithm for parsing hex into color family

*Algorithm for finding the color between two others - in the colorspace of painted colors

A: You can treat RGB colours as a 3-dimensional vector.
The distance between any two points (colors) is given by the following formula:

Your color is given as: #5D8AA8
This is made up of three hexadecimal values: [5D][8A][A8]
Follow these steps:

*

*Strip the # off the string

*Break the remainder into 2x2x2 pieces and

*Use a Hex2Dec converter to convert your color into a 3D decimal values representation

Use the formula provided above to calculate the change in color.

A: A simple algorithm that gives reasonably good results: Add the squared difference of each color component (red, green, blue) between the color you are looking for and the color in your list of colors and choose the color where the sum of those squared differences is minimal.
For a more accurate result, see the wikipedia article on color difference and implement one of the algorithms described there.


The David Barnett Gallery is Wisconsin's premier gallery and has the most diverse range of art available in any Wisconsin gallery, including works of art that represent more than 600 artists. The gallery specializes in European and American masters, regional and nationally recognized artists, and "emerging" Wisconsin artists. Latin American, Asian, and African American artists also adorn the gallery along with Ethnographic art from Africa, Indonesia, and Oceania. The gallery has a national reputation for its extensive collection of Picasso ceramics and Milton Avery oil paintings.
Thomas Ferderbar "Bridalveil Fall, Yosemite"


Free desktop photos - 1680*1050 wonderful images wallpapers for desktop. Watch the incredible world, 1680 * 1050 free wallpaper on desktop. 1680 - 1050 marvelous free wallpaper, 1680/1050 Beautiful flowers wallpapers free download. Hd wallpaper nature.
Holidays all inclusive. Exciting myths and mysterious legends about beautiful flowers reflected the philosophy of the people. For centuries, gardens and parks are a symbol of luxury and power. Beauty of nature. Unforgettable adventure enriches our knowledge, but also increases the power of our imagination. Since time immemorial, people endowed color special semantic value, which is reflected in the various religious and mystical teachings, myths, folk tales, legends. Last minute vacations for families. Crimea is beautiful at any time of the year. Wallpaper 329417: Short weekend getaways. Hybrid teas. Climbers. Flora the goddess of flowers. Spectacular. Fragrant landscape. Without knowledge there is no life. Botanical gardens. Beautiful flowers are the wonderful remnants of paradise on the Earth. Floribundas. Hybrid perpetuals. Everyone loves summer. Fresh beautiful rose is a symbol of courtesy, youth, peace and joy. There are beautiful places on our planet, where the brain refuses to think rationally, and any logic crumbles before the majesty of wonderful nature. Remember to search for a comfortable and cheap hotel before your trip. Every color is the word and symbol at the same time. Nikitsky Botanical Garden. Best summer vacation spots. The Crimean peninsula has been inhabited since time immemorial. Grandifloras. Polyanthas. Yalta. Nikita. June. Cheap trips. Tourist attractions. Ramblers. Nikita Botanical Garden. Nowadays it is known countless varieties and flavor notes of roses. A pleasant walk in the old park soothes better than drugs. All inclusive family resorts. Excursions develop cravings for beauty and the arts. Most beautiful flowers wallpapers. Nature wallpaper backgrounds. Nature wallpaper full hd.
Knowledge is the best investment most people can buy. Where to go for a day to remember it for a lifetime? Cheap holidays. The world of flowers is huge, complex, diverse and beautiful - striking us for its wonderful refined harmony. Beautiful gardens and parks create a beneficial microclimate. In the journey, the way we think, ingrained habits, traits, can undergo substantial changes. No other beautiful flower does not delight us as a rose. Sometimes it is simply impossible to describe in words the creations of nature. The most wonderful travel is the journey by the waves of our dreams. Color as a symbol has different meanings for different people of the world. Importance of vacation time. A rare combination of a variety of landforms and the diversity of climate in a relatively small area determine the unique properties of Crimea. Taurica is the classical name of Crimea. How to spend your leisure time usefully. Health is the most important human wealth. A short trip is an excellent tool to heal chronic fatigue. Education is one of the most important things in our life. Excursions play a special role in the development of personality, because they allow to expand their horizons and enrich the knowledge. Benefits of going on vacation.
The wonder of flowers is not only in their beautiful appearance, but in the amazing subtle aroma that they exude. If we could travel in time we would see dramatic changes. Nothing in the image does not attract us as much as true wonderful color. Cultures and nations, rulers and conquerors followed one another on this small piece of land, as in a kaleidoscope. Digital photography tours - Fine art photography galleries. Digital online media, Web art gallery - digital photography 329417: Nature scenery changes a few times each year, to submit every time in front of us a new form of fairy. We would like to visit many amazing countries and beautiful places where we have not been. Ancient symbolism of colors and their interpretation of different cultures is confirmed by modern theories of the relationship of color and emotions. The Taurida Governorate was a part of the Russian Empire.


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RIPF- Return to Rhody Challenge
Description- The RI Pharmacy Foundation (RIPF) plans to recognize a 2021 graduate from a College of Pharmacy not in Rhode Island that is moving into the state to practice as a newly-registered Pharmacist.
The recipient will receive:
$500 and
A one-year New Licensed Pharmacist membership to the Rhode Island Pharmacists Association (RIPA).
Criteria -Interested individuals must meet the following criteria established by the RI Pharmacy Foundation. Prior award recipients are not eligible for consideration.
Be a 2021 PharmD candidate in good academic standing;
Attend a college of pharmacy other than University of Rhode Island
Be actively engaged in extra-curricular professional activities; and
Commit to actively participating on one or more RIPA committees/teams
May 30, 2021, by 11:59pm ET **extended!
Recipient notification:
On or before June 15, 2021
Application Instructions- Please submit all application materials by May 30 to the RI Pharmacy Foundation Scholarship Review Committee at: ripharmacyfoundation@gmail.com. Please note 2021 Return to Rhody Challenge in the subject line.
Click this link for the Application: RIPF Return to Rhody Application
Applications must be received by May 30th Recipients will be notified by RIPF and asked to attend a presentation of the award at a future event.
__________________________________________________________________________________________________________________
RI Pharmacy Foundation (RIPF) Grant Application:
Please complete this form for the RIPF Foundation Grant request of up to $2000. Award recipients will be announced on June 15, 2021 and checks will be distributed in July 2021. Priority shall be given to projects that align with the mission of RIPF.
The mission of the RIPF is to:
Encourage the advancement of the practice of pharmacy in the state through the rendition of educational services for the benefit of pharmacists, other health care professionals and the general public.
Provide opportunities for the encouragement and advancement of new pharmaceutical developments and to convey this knowledge to members of the profession and the general public.
Promote the general welfare through the support of pharmacy outreach programs to the community, such as medication counseling programs, drug abuse and poison control lectures and health programs for the elderly.
Assist members of the profession with substance use disorders through intervention and rehabilitation programs.
Deadline May 30, 2021.


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HomegamingBest Virtual Reality Games for 2022
Best Virtual Reality Games for 2022
for 2022.
There are many different types of virtual reality games to choose from, but there are only a few that deserve your attention. Here are a few of the hottest titles for 2022. Afterlife is one such game. This psychological horror title takes place inside Barclay Mansion. Other new releases include Ultimechs by Resolution Games, the developer behind Blaston and Demeo. In this game, players must survive a series of twisted events to escape the barclay mansion.
Song in the Smoke
One of the latest VR games is Song in the Smoke. Created by the same developer who developed Skulls of the Shogun and Galak-Z, the game throws you deep into the wilderness, where you must survive against predators and a variety of creatures. The game is set in prehistoric times, when humans had no language, but this was no hindrance to the development of this VR title.
The game takes advantage of the VR technology to its fullest extent. It allows players to identify potential threats based on their sounds and sight. They can also make use of their body's vibrations to sneak up on their prey. This VR survival title also features intuitive VR controls and a mysterious prehistoric world. Whether you're looking to craft weapons and hunt prey, Song in the Smoke is definitely worth checking out.
Pistol Whip
While some of the VR games out there aren't exactly technically perfect, Pistol Whip is one of them. It mixes elements of Beat Saber, John Wick, and Superhot. This game is a fun and addicting mix of both. It is recommended for anyone who likes rhythm games but is not yet a pro. In addition to its eerie, yet addictive atmosphere, Pistol Whip also features some of the best VR music.
This game has been around for a few years, but Cloudhead Games' Encore Update has increased its replayability and depth by adding new songs, weapons, and modifiers. It also added a western-themed Fist Fight mode and a party mode. Those who want to play with friends can pass headsets to each other and compete for the top spot on leaderboards.
A Fisherman's Tale
A Fisherman's Tale is an immersive VR game, focusing on a tiny puppet named Bob and his quest to reach the top of a lighthouse in time for a storm to pass. Players guide Bob through his journey by manipulating objects and pulling strings in a VR world. Here's why A Fisherman's Tale is one of the best VR games in 2019.
A Fisherman's Tale is a remarkably well-done taster that forces players to think outside the box and leaves them with mouths agape. Its poetic narration, delightful visuals, and cozy setting make for a memorable VR experience that will leave you speechless. A Fisherman's Tale also offers a unique subversion of spatial awareness, but doesn't require a high level of that.
Resident Evil 7: Biohazard
The 2017 survival horror game Resident Evil 7: Biohazard takes its cues from its series' survival horror roots. Set in the mid-2017, this game takes place after the events of the previous installment, Resident Evil 6, which ended with the murder of a three-man television crew. This time around, players take control of a civilian, Ethan Winters, who is trying to locate his missing wife Mia. He travels to a desolate plantation mansion, and must uncover the secrets of the estate.
The game is set in Dulvey, Louisiana, and revolves around the Baker family plantation mansion. A mysterious woman named Mia went missing three years ago, and when she was not found, it was thought she had died. Ethan Winters receives a distressing message from her missing wife, calling for help. But what's Ethan to do? Mia's disappearance has brought on a swarm of mutated creatures, and she is unable to escape them.
No Limits 2
No Limits 2 is a virtual roller coaster simulator that lets you feel as though you are on the real thing. You can customize various elements of the game, such as the depth of field and HDR. The game also offers customizable options for ambient lights. Its positive and negative reviews were mixed, with some critics pointing out frame rate drops and other small bugs. However, many fans are still happy with this virtual reality roller coaster simulator.
Freelance Police is another game set to be released in 2022. HappyGiant is trying to recreate the spirit of Freelance Police in a VR game. It takes the concept of beating up bad guys and rescuing people from deadly situations to an unprecedented level of immersion. The game also features cross-play, which means that players can play with other players from all over the world. While it is still in development, No Limits 2 is a great VR title for those with PlayStation VR.
Astro bot: rescue mission
Astro Bot: Rescue Mission is a platform game that combines VR tracking with traditional platforming. In addition to the classic platforming gameplay, the game also features a 3D audio experience. As you progress through each level, you'll need to use an analogue stick to move your primary Bot. This is a great way to get the most out of the game while remaining immersed in the world around you. As you rescue the bots, you'll need to avoid falling objects or other obstacles that could hinder you from completing your mission.
As you progress through the game, you'll have to navigate through many different environments and solve puzzles. You can also explore worlds where the creatures aren't friendly, like the moon, or fight giant bosses. In ASTRO BOT: Rescue Mission, you'll find that you'll have to make many different choices to save the lives of the space crew. In the VR environment, you can see around corners and behind you. The VR aspect also allows you to maneuver through the surroundings with ease.
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John C Lausier
St. John Catholic Church
207 York St
St. Ignatius Cemetery
Berwick Road
Sanford, Maine, United States
Following the Mass, all are invited to a reception in the church hall.
Obituary of John C Lausier
Jean Charles "John" Lausier
Bangor - Our father, Jean Charles "John" Lausier, died on May 3, 2019 at the age of 89 from peripheral vascular disease. He was born in Grand Isle, Maine on June 14, 1929, the son of Alfred Joseph Lausier and Alice Rose Dionne, the fourth of their nine children. The family moved to Presque Isle in 1943 when they bought a potato farm on the Caribou Road. It would later go by the name, KVL Farms. He graduated from Assumption Preparatory School in Worcester, Massachusetts where he played football and learned English with the help of his professors who were from a Belgian religious order. Afterward, his father needed his help to operate the farm and he returned to Presque Isle from 1947 to 1971. He met our mother, Lorraine, through his sister Lucille when she invited her to the farm after Sunday Mass. Our parents would marry on June 16, 1951 and had a family of two girls and four boys. The work ethic that our father embodied his entire life was evident early on. We all picked potatoes in the fall and the eldest among us loaded 50 pound bags onto tractor trailer trucks on winter Saturdays. We picked rocks in the spring and cut seed potatoes for planting. This same work ethic was a gift to us that helped us in whatever careers we pursued. Our Dad did not get the chance to attend college after prep school, but our parents worked hard to ensure all of us could pursue college or professional degrees. Dad had many skills and in spite of managing a several hundred acre farm, still found time when we were very young to build an A-frame camp on Echo Lake that became an extended family gathering place. Another family destination that he and Mom loved from the time we were young was Wells Beach, Maine. Our family would leave the farm and Dad would start a second career selling heavy machinery for Eastern Tractor and eventually for Southworth Milton, now Milton CAT in Brewer. He had the paper company accounts in Maine and New Hampshire and the French speaking accounts in Northern Maine because he was bilingual. Dad and Mom moved to Farmington in 1977 after a few years in Chester, Vermont and would live there for 38 years. They were both very involved at St. Joseph's Catholic Church as Eucharistic ministers. After his retirement, Dad enjoyed meeting with his group of friends for coffee every morning at McDonalds. Our parents would spend 25 years in Orange Beach, Alabama where they would find a wonderful group of "snow bird" friends whom he would meet for coffee and Bingo. After they could no longer travel south, they came to live next door to their eldest son in Bangor. One of the biggest joys of his life was following the New England Patriots, the Boston Red Sox and golf. We had great celebrations with him during his last year for the Super Bowl and World Series wins. He was also thrilled to see Tiger Woods win the Masters Tournament from his hospital bed. Watching "The Andy Griffith Show," "Jeopardy," "Wheel of Fortune" and "60 Minutes" with his family was a favorite pastime as well.
Dad lived 31 years with prostate cancer and received an array of new treatments over the years. In recent years, Cancer Care of Maine's Dr. Jens Rueter and Dr. Sheila Pascual were kind clinicians and advocates for Dad. He was told at 62 to, "Go and enjoy what life you have left" so we never dreamed he would have all these years with us. In addition to his parents, Dad was predeceased by our mother, Lorraine, in 2018 after 66 years of marriage; two infant grandchildren, Timothy and Sarah Urban; his step mother, Eva Daigle Lausier; sisters Lucille Dreyfuss, Anne Gallagher, Germaine Ladner and Sr. Alice Lausier, DW; brothers Alfred and Claude Lausier; and nieces Claudia Lausier, Diane Poskus and Maureen Gallagher.
He is survived by his brother Pierre Lausier and sister Florence Roy of Mobile, Alabama; his children, Mark Lausier and wife Mary of Bangor; Catherine Hilliard and husband Kevin of Plainfield, New Jersey; David Lausier and husband Victor of Alexandria, Virginia; John Lausier of North Ferrisburg, Vermont; Lisa Urban and husband Ward of Rye, New York; and James Lausier of Key West, Florida. He is also survived by Catherine's daughters Caitlin Ficke, Clare Dunbar and Mary Gregory; Mark's daughters Katherine Mullikin, Anne Marie and Rosemary Lausier; Lisa's sons Ward, John and Christopher Urban; as well as his great-grandchildren Benjamin and Alice Ficke and Grace Dunbar.
We would like to sincerely thank the staff of the Laurel-Williams wing of Ross Manor for all the incredible kindness and emotional support they displayed to Dad and our family; Northern Light Eastern Maine Medical Center Hospice staff; St. Joseph Home Care Health physical therapy and visiting nurses staff; Loving Touch in Home Care, Caring Companions in Home Care; and Bridges of Maine.
A Mass of Christian Burial will be celebrated 11 AM, Monday, June 17, 2019, at St. Paul the Apostle Parish, St. John Catholic Church, 207 York St., Bangor. A burial will take place in Sanford, Maine. Arrangements trusted to Kiley & Foley Funeral Service, 299 Union St., Bangor. Messages and memories may be shared with his family at kileyandfoley.com.


Big Tent was a featured venue at the 2018 Lotus world music and arts festival in Bloomington, Indiana. Artistic collaborations 12 with cinematographers, composers, videographers, animators and musicians were featured during the festival, in addition to "unplugged" sets from some of the festival's headliners!
Inspired by our partners and time in Haiti & with support from the Arts Council of Indianapolis, Indiana Arts Commission, Reconnecting to Our Waterways and Indianapolis Public Library we brought the Rara to Indianapolis. Rara is a Haitian street band that grows and evolves as it moves through the city playing traditional instruments. Rara's exist to celebrate the joy of living and unite communities to dance and sing away their troubles.
The Near West Rara started in Hawthorne and moved with a band on a portable stage playing short sets in each neighborhood. When the band wraped up, that neighborhood joined the parade and traveled to the next (just like a Haitian Rara). It culminated on West Michigan Street with Big Tent, an interactive video installation filled with imagery from the Rara, and more music!
Available in the Unity Asset Store.
A library of tools to support smooth, voxelized (i.e. fully deformable and destructible) terrain generation. Now with levels of detail (to enable infinite paging worlds) and an octree scene model (to minimize loading times).
Implements Marching Cubes and Dual Contouring.
Big Tent was installed at The DaVinci Pursuit's 2015 annual science and art conversations event, held at the Orchard School in Indianapolis, IN. Featuring video by Ben Smith and Danielle Riede and music by Robin Cox.
Continued exploration into the procedural generation of 3D terrain based on voxelized noise maps and Marching Cubes algorithms. Now published as "Ruaumoko" in the Unity 3D Asset Store!
A preliminary look at a 3D procedural terrain generation system I am creating in Unity. This approach uses a marching cubes implementation to construct surfaces that can fold and overlap, unlike conventional height map terrain models. The texturing is very rough at this point.
Inspired by the infinite combinations afforded by the elegantly simple Lego block, the Duplo Interface explores tangible computer interfaces through these iconic child's toys.
The goals of the interface are enabled using computer vision algorithms and machine learning models to capture the configuration of Duplos in real-time and translate the data into audio synthesis parameters.
The Duplo Interface is built in Max and c/c++. The mapping of Lego data to audio parameters is enabled through an original implementation of a Self-Organizing Map neural network which in turn drives a granular synthesis engine.
• Approachable, not requiring any special clothing or expertise.
• Enabling intuitive, natural interactions.
• Leveraging affordances of the Lego block.
• Wire-free, non-invasive connection to the computer.
• Robust to many light conditions.
An exploration into algorithmic tree generation, driven ("played") by human motion (using a MS Kinect camera). As the player waves their arms the tree is stimulated to grow in different directions, budding leaves, and catching more 'sun rays' to grow further. But unwieldy branches and unstable structures will cause the tree to drop branches or even fall over!
Controlling a supercomputer with a violin!
Presentation (2011) and paper publication at the International Computer Music Conference, 2012.
How can highly complex simulations and systems be effectively controlled in real-time? What sort of interactions are appropriate in a space with thousands of independant, or complexly connected coefficients and parameters? This work starts with a highly complex instrument, the violin, and an expert in its manipulation and control, a violinist. What happens if an interface is constructed such that the musician, through the creation of sound and music, is able to directly control the parameters of a supercomputer simulation?
A flocking simulation, with 50,000 agents, is run on Abe, a 9600 core supercomputer at the National Center for Supercomputing Applications, and is rendered in real-time. Simultaneously data gathered from a live audio stream (from the violinist's microphone) is analyzed and mapped into the coefficients of the simulation.
A port of ffmpeg's libavcodec for cycling74's Max environment. It enables fast compression and decompression of video for live streaming or recording/playback, providing access to a wide array of popular codecs and presenting a new solution for video compression in Max and Jitter. For each codec vipr also exposes the compression parameters for real-time control, enabling easy testing and tweaking as well as artistic control of the compression parameters during performance!
vipr provides access to a number of lossless codecs that are only available through ffmpeg. These are of particular value and interest to telematic music and distributed performances where video quality is a primary concern.
Appalachian grooves and Irish melodies mix with a modern, Midwestern sensibility in the music of this young acoustic trio, featuring original, joyful dance tunes and wistful waltzes.
Click on the album covers (right) to listen to our music!
A live camera, capturing a real-time 'portrait' of a participant, is used to mix video images that result in an abstract freeze frame of their movement into and out of the canvas.


Lebanon, TN list of housing resources we have uncovered: Homeless Shelters, Supportive Housing, Halfway Housing, Transitional Housing, Day Shelters, Low Income Housing, Residential Alcohol and Drug Treatment Centers.
Shelter Listings is dedicated to serving the homeless and low-income. We have listed out the shelters and low cost housing services we have in Lebanon, TN below. This list has homeless shelters, halfway houses, affordable housing, etc. The database consists of over 3,000 listings and includes emergency shelters, homeless shelters, day shelters, transitional housing, shared housing, residential drug alcohol rehabilitation programs and permanent affordable housing.
Lebanon is in Wilson County, TN. Search listings by Wilson County.


G, M N. (2017, October 19). International Robin Hood Bibliography, . Retrieved 13:39, April 19, 2019 from https://www.irhb.org/wiki/index.php?title=G,_M_N&oldid=182289.
"G, M N." International Robin Hood Bibliography, . 19 Oct 2017, 21:35 UTC. 19 Apr 2019, 13:39 <https://www.irhb.org/wiki/index.php?title=G,_M_N&oldid=182289>.
International Robin Hood Bibliography contributors, "G, M N," International Robin Hood Bibliography, , https://www.irhb.org/wiki/index.php?title=G,_M_N&oldid=182289 (accessed April 19, 2019).
International Robin Hood Bibliography contributors. G, M N [Internet]. International Robin Hood Bibliography, ; 2017 Oct 19, 21:35 UTC [cited 2019 Apr 19]. Available from: https://www.irhb.org/wiki/index.php?title=G,_M_N&oldid=182289.
G, M N, https://www.irhb.org/wiki/index.php?title=G,_M_N&oldid=182289 (last visited April 19, 2019).


The special screening of Creed II that I attended allotted two rows for the press. The remaining seats were filled by folks organizers evidently brought in to whoop it up. And why not whoop it up? Adonis "Donnie" Johnson (Michael B. Jordan) is a handsome, chiseled warrior who puts his heavyweight boxing title and his life on the line against a massive Russian puncher. Donnie is the Greatest American Hero for the new millennium.
Esteem for traditional male roles brings a different reason to appreciate Creed II, however. Whether its creators (Sylvester Stallone co-wrote the screenplay) were making a statement or merely filling in the scenes between the jaw-jabbing and rib-racking, the boxing film wrestles with manhood and fatherhood. In fact, Creed II is principally a drama about men and their families.
To understand any family drama, you have to know the family history—and the Rocky film franchise goes back several cinematic generations. Rocky battled Apollo Creed (that's Donnie's father) in Rocky and Rocky II, but they became friends. In Rocky IV, Rocky trained Creed for a match against Russian champ Ivan Drago. Creed is killed during the bout, so the Philadelphia brawler himself fights and defeats Drago in the Soviet Union.
In Creed II, Donnie is enjoying success as the heavyweight champion when the Goliath-size fighter Viktor Drago (Florian Munteanu), son of Ivan (Dolph Lundgren, reviving his role), challenges him for the title. While he weighs the risk, Donnie learns his fiancée, Bianca (Tessa Thompson), is pregnant. Bianca is understandably concerned about their future.
"I don't know if we're ready," she tells Donnie, fretting over her positive pregnancy test.
"Let's get ready, then," Donnie replies without hesitation. He wants to be a father and to fight.
Rocky is estranged from his own grown son, but the coming birth of Donnie's child stiffens his resolve to make amends. The film portrays flawed fathers, but clearly idealizes men who work hard, sacrifice themselves, and show tenderness to their family.
Hmm. I wonder where that ideal came from.
Creed II is not a great film, but it succeeds at building up predictable yet glorious moments—the best of which might be Bianca's unexpected singing engagement. Boxing violence, language, and a scene of sensuality make the PG-13 movie unsuitable for younger viewers. Still, a portrait of manhood not designed according to the modern blueprint, as well as a distinctive pro-life thread, make it a film worthy of some whooping.