text:
ICO PRESALE
HOYOS BIBLOS SMARTPHONE
HOYOS RISEN COIN™
IMAGINE NO ONE BEING ABLE TO HACK YOUR PHONE, TRULY NOT LISTEN
IN ON YOUR CALLS OR HAVE ACCESS TO YOUR TEXTS AND EMAILS.
IMAGINE YOU IN CONTROL OF YOUR PRIVACY!
WHITE PAPER LITE
JOIN OUR TOKEN PRESALE
RISEN CHALLENGE
ICO BEGINS IN:
HOYOS REAL-TIME IMPERVIOUS SECURE ENVIRONMENT
(A SECURE SMARTPHONE AND TRANSACTIONAL PLATFORM)
HOYOS RISEN
CLICK HERE TO READ A MESSAGE FROM OUR FOUNDER
AN IMPENETRABLE SMARTPHONE FOR TODAY'S
SPYWARE AND CYBERTHEFT-PLAGUED WORLD
Imagine a smartphone that can protect your most personal data and sensitive conversations
Imagine a smartphone that uses your biometrics as a password to protect from being hacked
A smartphone that is designed to ensure total privacy and 100% fraud protection
At HOYOS Integrity, we are making that phone a reality and are bringing it to market now!
Hoyos Real-time Impervious Secure Environment: RISEN
Anyone else claiming to have a secure smartphone is lying to you. All others are based on unsecure Android™ or Unix based Operating Systems. In addition, anyone stating they have "special" encryption software claiming to be able to protect your voice calls, texts, or emails on an iPhone™ or Android™ smartphone is also lying. We challenge anyone else to prove otherwise!
CLICK TO VIEW A COMPETITIVE ANALYSIS
REAL-TIME IMPERVIOUS SECURE ENVIRONMENT
H-RISEN: a platform virtually impenetrable to malware and hackers, built from the ground up for security, to help ensure 100% privacy for:
Voice and data communications
Your digital assets: personal photos, sensitive work
data, medical records, crypto-currency keys
H-RISEN secures payments, financial trades and other transactions of any type, "signing" and protecting them with your unique biometrics, which in turn protects your identity and privacy.
H-RISEN is built around many unique elements, including:
A new hardened smartphone with a military-grade OS
A suite of secure applications
An advanced biometric 3D hand image capture technology: MANO™
A blockchain-based IEEE certified protocol that binds a user's identity to their biometrics, eliminating fraud and theft: IEEE2410
A cryptocurrency called HOYOS RISEN Coin™ that facilitates payments for all services
A 4G Wireless network covering 99% of the US that accepts payment in USD or RISEN tokens
Anyone purchasing RISEN Tokens during our ICO can use them to pay for service on our nationwide 4G network.
HOYOS RISEN COIN™ (RSN)
This unique and powerful transactional service is only available from HOYOS and is powered by our own cryptocurrency: The HOYOS RISEN Coin™ (RSN). RSN Tokens can be used to pay for our wireless service, including airtime device and all transactions performed by Hoyos BIBLOS Smartphone and uses Ethereum's powerful Smart Contracts technology. All transactions (file transactions, trading transactions, or purchase transactions) are recorded in the blockchain and tied to the digital identity of the person who performed the transaction.
All the advantages of Hoyos secure transactions without the concerns of using a public blockchain. Designed for institutions that do not want a public ledger of their transactions.
It is a recognized fact that many government and commercial institutions do not want their internal transactions stored in a public ledger. Generally, their concerns are that if the blockchain public key were to become known, it would be possible for bad actors to determine sensitive information from the various transactions. An example would be a financial institution that does not want to risk exposing information about the frequency of their trades in a particular commodity, which could bring an unfair advantage to anyone with knowledge of one or more of the blockchain public keys associated with those transactions.
Due to this reluctance, we have created our own private blockchain for these types of clients. The blockchain has the same design as our public version with the following differences:
It resides on internal servers within the client's intranet
It is not as widely distributed as the public version, however multiple nodes are required to ensure redundancy and reliability
Permission is required to be a node
Per transaction pricing is set by HOYOS
Transactions are totaled and paid in normal currency on a periodic basis. The payments are then converted to RSN tokens.
The RSN tokens from private blockchain account payments are stored at Hoyos CRYPTO BANK for use in ongoing cryptocurrency transactions.
RISEN GO TO MARKET STRATEGY
We will bring the RISEN platform to market in Q4 2018 as a US wireless carrier, providing airtime rate plans to wireless customers while using the network connectivity of T-Mobile.
Rate plans: All inclusive service bundle including the
handset and unlimited secure voice, text and talk
Sales channels: Direct sales reps, IT and Security
reseller channels, Industry representatives and influencers
Goal: Sign up large Fortune 500 and US Government
organizations agencies as subscribers of our service
In international markets, we are launching the RISEN platform on the networks of established wireless carriers and utilizing specialized channel partners to sell our services to their enterprise and government customers. This affords us a fast ramp to providing service without having to install our own local service infrastructure in each market. Presently, we plan to launch in 26 markets outside the US.
The HOYOS RISEN Coin token will be promoted as a way to pay for transactions on the RISEN platform. Our marketing campaigns will deliver our message of the RISEN's ability to provide privacy and security, and in turn, its direct linkage to the HOYOS RISEN Coin.
Stock traders can ensure trades are completely
secure, with a permanent indelible record of each trade linked to the trader's biometrics and identity
Government staff
that routinely deal with sensitive information can utilize completely secure encrypted phone calls and text messages
Senior corporate executives and board of directors can ensure 100% privacy when discussing proprietary information or sending confidential files
Individuals with high net worth, cryptocurrency investors and traders, and security-minded consumers looking for a more secure and confidential way of life
RISEN PLATFORM
BUILT FOR SECURITY
Our HOYOS RISEN platform secures people, their identities, their privacy, and their digital assets (data). H-RISEN's elements provide a platform to run applications that are truly impenetrable, with end-to-end encryption using the device owner's biometrics.
Our platform is storage-agnostic. You can keep your data in our uniquely secured smartphone or put it in Dropbox, Google Drive, iCloud or any of the other online storage services out there that you wish. Our solution works with all of them. Where you keep your data becomes irrelevant as long as you access it from the RISEN platform.
Most importantly, we utilize blockchain technology, which provides a permanent and unalterable ledger of all transactions performed on the platform (when it's created, linked to your biometrics, edited, sent, viewed, etc). A complete audit trail for all transactions ensures 100% accountability.
These secure services can only run on our device: the Hoyos Biometric Blockchain Secure Smartphone (BIBLOS), an advanced smartphone running a blazing-fast Qualcomm Snapdragon 835 processor, with a vibrant 6.0" FHD display with Gorilla® Glass, and state of the art camera and biometrics. Using our advanced biometric capture technology, called MANO™ and IEE-2410 to manage identity authentication, it represents the most state-of-the-art mobile security technology. Most importantly, it is the only smartphone available that is running on a completely secure, military-grade operating system called INTEGRITY 178B.
In addition, our secure crypto technology BOLT (Biometric Output Lock Technology), is a licensable add-on for any cryptocurrency to add a biometric lock to the blockchain. Currently available for integration into any ERC-20-based token, it essentially requires biometric authentication for any transfer of tokens. This prevents theft, even if a private address is compromised.
RSN ICO PRESALE
This ICO presale represents an opportunity to be part of a service that will disrupt the wireless and cybersecurity industries. Our HOYOS RISEN service will be the only secure mobile communication on the market, certified by the National Security Agency (NSA) to the highest levels of security. This service will be powered by the HOYOS RISEN Coin™, a utility token that will pay for secure communications and transactions.
The presale will only be open to accredited U.S. Investors and International participants. During the presale a total of 300 Million RSN Tokens ($150M USD) will be available to purchase.The first 100 Million purchased will be available with a 25% bonus and the next 200 Million will include a 15% bonus. This presale will end on July 31.
The HOYOS RISEN Coin™ and the corresponding cryptocurrency creation process will be organized around smart contracts running on Ethereum. In total, 6 Billion HOYOS RISEN™ Coins (RSN) will be created, however only a percentage of them will be made available for sale.
During the ICO period regardless of tier, the first 1000 participants that purchase a minimum of 2000 RSN will have the opportunity to receive a HOYOS BIBLOS Smartphone.
PLATFORM BUILT FOR SECURITY
Participants willing to support the commercial launch of Hoyos BIBLOS Smartphone and the associated secure suite of apps can do so by sending Ethereum currency to the Hoyos-designated address, or by contributing to the HOYOS RISEN Coin™ platform with other types of payments. By doing so, they are purchasing HOYOS RISEN™ Coins (RSN) which will be sent to their wallet. HOYOS RISEN Coin™ reserves the right to have special negotiated deals and discounts for large stake investors.
TOKEN SYMBOL: RSN
RSN TOKEN VALUE: $0.50 USD
DATE OF PRESALE START: June 1, 2018
All RSN Tokens purchased by US persons during the presale will be locked and prohibited from being traded for 12 months after being purchased in compliance with U.S. Securities Regulationss
RSN Tokens can be used at any time to pay for HOYOS RISEN services including airtime on our U.S. 4G network, international bring-your-own-SIM service, or crypto wallet
Usage of HOYOS RISEN services increases RSN token usage therefore value should increase with the growth and adoption of the service
Ensuring commitment. All tokens distributed to the team, bounty and advisors are subject to vesting. Our vesting model ensures more value and security for the token contributors. Vesting also provides more loyalty from the core team towards the project and ensures that RSN is not subject to market manipulation, providing more stable market development for the RSN token. Eventually, vesting is one way for the HOYOS team to show the commitment and loyalty for the HOYOS RISEN project.
HOYOS RISEN Coin introduces the following Vesting model:
RSN tokens for co-founders, employees, and consultants will be locked once the Token Sale distribution ends. The remaining tokens will be split into two separate quantities, with one quantity going to the Hoyos Crypto Bank and the remaining quantity subject to the vesting schedule below:
2/3 is locked for 12 months
from Token Sale distribution
The vesting model is active for 18 months in total and shall be activated with a smart contract once the token sale is complete.
PRESALE DETAILS
HECTOR HOYOS
CHAIRMAN, CEO & CTO
Hector Hoyos is a leader in the biometrics and IT industries. As the founder and president of various cutting-edge companies with extreme vision, he has created state-of-the-art technologies such as fingerprint, face and iris identification systems, and interactive financial transaction systems. He holds 100+ patents issued/pending, an IEEE standard in IEEE2410, and has developed solutions being used by millions of people around the world.
TOP PATENTS OF HECTOR HOYOS
FRANK TOBIN
During his tenure at multinational companies including Lockheed Martin and Thales, Frank was responsible for hundreds of millions in yearly revenues and managing hundreds of employees. He has 30+ years of in-depth knowledge of complex systems integration, engineering, cybersecurity, information systems and technology. A growth-oriented entrepreneur working with the private equity firm Main Street Capital where he oversaw the growth and sale of two companies.
GREG PAGE
Greg Page, a former US Army
Captain with a background in engineering and computer science, has over 20 years of experience at Motorola, where as a senior executive, he led several global business groups responsible for designing hundreds of different models of mobile phones that
shipped over 150 million devices, generating billions of dollars in revenue for Motorola.
JOSEPH FUENTES
Mr. Joseph A. Fuentes is a CPA licensed in Puerto Rico and Virginia and a member of the AICPA, the Virginia Society of CPAs, and Puerto Rico Society of CPAs. He is the founder and CEO of Fuentes-Fernández & Co (FFC), PSC. Previously, Mr. Fuentes was a Sr. Auditor of an multinational firm, engaged principally with healthcare institutions and manufacturing and construction companies.
LEENA EL-ALI
CIO & STRATEGY
Extensive experience in global finance garnered at world class institutions such as Rothschild, Schroders, and ABN Amro. Leena has also worked in the international development sector, where she negotiated partnerships and collaborations with ministries and businesses in different countries and cultural settings, while setting up a number of offices overseas and overseeing their operations.
SVP ENGINEERING
Henry Garcia has over 30
years of experience in leading functionally and geographically diverse engineering and product development teams to launch hundreds of different mobile phone models as well as other consumer electronics products. A strong communicator and natural leader, he has served in numerous executive roles including CEO and President.
RICK BOYD
SVP SALES
Rick worked for twenty years at Sprint as a senior executive in charge of Private Label Wireless Solutions to Sprint's international based partners, working extensively with Mobile Virtual Network Operators (MVNOs) around the world.
JOHN SHAPIRO
CAPT. John Shapiro, (US Navy, Ret.) served in Afghanistan and Iraq with the Marine Expeditionary Force and
as Staff Officer to US 10th Fleet Cyber Command in Ft. Meade, MD and VADM Rogers (Commander).
In his 30 years of legal experience
in the private sector, he has represented large, international, multi-national corporations, business entities and groups in complex business transactions.
MEET OUR DEVELOPMENT TEAM LEADERSHIP
ROBERT E. WHEELER
MAJOR GENERAL,
USAF - RETIRED
Retired in mid 2016 from the staff of the Secretary of Defense as the Deputy Chief Information Officer for Command, Control, Communications and Computers (C4) and Information Infrastructure Capabilities (DCIO for C4IIC). A command pilot with more than 5,000 hours in multiple aircrafts. His staff assignments include air campaign analyst for the Air Force Studies and Analysis Agency, member of the Chief of Staff of the Air Force's Operations Group (CX), Headquarters U.S. Air Force and division chief for the Joint Chiefs of Staff regarding European security issues.
STEVEN BONAFONTE
DCB LAW GROUP
In addition to the general
practice of law, Steve provides general counseling services to corporate and government entities; special privacy and cybersecurity counsel; advice on information technology contracts and policies; counsel regarding ethics, compliance and corporate governance; and conducts complex anti- fraud and corporate internal investigations. Steve is a Certified Fraud Examiner (CFE) and a Certified Information Privacy Professional (CIPP/US) and speaks nationally on cybersecurity, privacy and anti-fraud issues.
KEVIN MCNAMARA
FORMER GLOBAL HEAD OF R&D - JP MORGAN CHASE
Directed technology and
product innovation focusing on delivering near term (12-24 months) advances in the areas of Cloud, Mobile, Network and Storage
White-listing, Biometrics, Micro-Segmentation, Firewall, IPS/IDS, HTML5, Cisco and 3D Printing, among others. Managed global engineering and operations teams.
CHRIS SWECKER ESQ
ASSISTANT DIRECTOR,
FBI - RETIRED
Global Security Director, Bank of America, 2006-2009; Attorney/Fraud and Security Consultant 2006-present; Chairman Governor's Crime Commission. Chris Swecker has over 35 years of experience in law enforcement, national security, legal, and corporate security/risk management positions.
JOHN C. LEWIN, MD
PRINCIPAL & FOUNDER OF LEWIN ASSOCIATES LLC, CHAIRMAN OF NCHC
L.A. is a health start-up and gov. policy/advocacy consulting organization. the NCHC is a renowned national advocacy organization representing 110 national health organizations totaling over 150 million members. Dr. Lewin has previously served as CEO of the Cardiovascular Research Foundation, the American College of Cardiology, and the California Medical Association. He is an internationally recognized expert in promoting healthy populations, he has advised two US Presidents, and was named one of the "100 Most Influential People in Healthcare" by Modern Healthcare. He received a BA in Biological Sciences from UC Irvine, and his MD from USC.
DR. JILL WITTELS
MANAGING PARTNER - SOSTENUTO STRATEGIC ADVISORS
In addition to SSA, she is a public board chair, private board director, CEO mentor, and angel investor. She serves as fiduciary or advisory director or strategic advisor to technology companies in a wide range of markets. Currently she is chair of the board of eMagin (EMAN), an OLED micro-displays company, and an advisory board director for SmartSenseCom, Hunter Creative Labs and Ras Labs. She was also a part of the Frank Lanzas senior management group at L3 communications and helped develop it into one of the world's top defense companies. Her primary nonprofit experience was nearly 20 years on the board of directors of Fermi Research Alliance, which operates the DOE's Fermi National Accelerator Laboratory. Dr. Wittels has nearly 35 years of experience with business unit P&L management, strategy, engineering management and leadership. She received a Bachelor of Science degree in Physics from MIT in 1970 and a PhD in Physics from MIT in 1975.
If you have any questions regarding participating in our ICO Presale, please contact our ICO team at: jim.modzelewski@saul.com or call +1 (215) 620-6641
Or subscribe below to receive updates on the HOYOS RISEN Coin!
HOYOS INTEGRITY PRESS RELEASES:
July 18, 2018 - HOYOS Announces ICO on International ICO Channel at Nasdaq
May 10, 2018 - Hoyos Integrity Corporation Begins International Commercialization
May 02, 2018 - Hoyos Integrity Corporation Takes Major Steps Towards Commercialization
HOYOS INTEGRITY CORPORATION


In five years, unconditional basic income (also known as universal basic income or just basic income) has gone from an idea few people had ever even heard of to one many now think they know all about—despite often being misinformed, mostly by those who are themselves misinformed. The idea of UBI as a foundational social investment policy is an evolution of traditional safety nets, formulated in recognition of the evolution of work. Yet relatively few people, even in policy-making, have fully got to grips with it.
As someone who's focused solely on this idea since 2013, I see people getting a lot wrong about UBI, but there are three things people get wrong most: its impact on work, the cost of implementing it, and the nature of the idea itself.
Traditional safety nets are targeted, meaning that only some people qualify, and only if they meet the requirements. What's commonly not understood is that the targeting itself, not the money, creates a disincentive to work. Because benefits are withdrawn as income is earned, recipients can effectively see tax rates exceeding 100 per cent. It's like asking people whether they'd like money, or more or less the same money plus misery. Which would you prefer?
Unconditional basic income has no disincentive to work. Because UBI is never withdrawn, everyone is always financially better off employed than not employed. UBI is a floor, not a ceiling.
Without a disincentive to work, the incentive to work then rests on the shoulders of those offering the work. Traditionally, such incentives tend to take the form of higher wages—but it can also be more meaningful work or more flexible hours.
What we mean by working and not working is also vital. Many seem to only think of paid work as work, but unpaid work is valuable work too, and "not working" can actually allow us to find better work.
For example, income guarantee experiments have shown people work fewer hours in a year. You'd think that's all you need to know, right? But what if you then learned people were spending two more weeks finding a higher-paying more meaningful job that better utilizes their skills? What if they were teenage dropouts, and what they were doing was going back to school? What if they were mothers of newborns and what they were doing was maternity leave parenting?
The details matter, don't they?
Another common misconception about UBI is that it massively increases taxes. This simply isn't true. UBI is a unique policy of everyone paying to receive income security. If your taxes go up £4,500, that can sound like a big tax hike, but if it's for the receipt of a fully refundable £9,000 tax credit, then it's actually a £4,500 tax cut. In the US, the same would be true for a billionaire paying $1 million for $12,000 instead ofthe existing $30,000 tax deduction for owning a mansion currently offered to Americans. Focusing on only one side of a two-sided transaction is misleading at best and purposely deceitful at worst. The net cost is what matters.
Aside from reducing most people's tax burdens, UBI is a consolidation of hundreds of programs and tax expenditures combined with the freedom-enhancing elimination of their bureaucratic conditions.
Instead of universal credit, a low-income person would receive UBI. Instead of child benefit, a middle-income person would receive UBI. Instead of a beneficial rate on a home mortgage, a high-income person would receive UBI. The bulk of UBI already exists, just hugely inefficiently. In the UK, for instance, the costs of rolling out Universal Credit have already hit £15 billion, with the scheme receiving a damning report from the National Audit Office.
Net costing UBI also requires costing the lack of UBI. How much does economic insecurity cost by deteriorating health and increasing crime? What's the productivity cost of disengaged workers underbidding machines in the pursuit of basic survival? The status quo isn't free. Again, in the US context, if not having UBI costs over $1 trillion annually, which it does, and the net cost of UBI is less than $500 billion annually, which it is, then UBI saves more than it costs.
Similar benefits have been suggested in the Finnish context (whose UBI experiment is itself an object of much misinformation), and researchers are now investigating if the same savings might be made in the UK, where the results of poverty costs a calculated £78 billion a year.
Political polarization has been growing for decades to the point ideas can be dismissed or embraced immediately depending on the source. But UBI isn't left or right—it's forward. It's been embraced across the entire political spectrum, from Milton Friedman to Martin Luther King, Jr. It's supported by billionaires like Elon Musk and it's supported by the Poor People's Campaign. Its support is unbounded.
UBI is also an idea that requires study to appreciate the breadth of the arguments. Entire books have been written about it that don't cover everything. UBI feels like a simple idea that can be judged in an instant—when it's actually a complex idea to be discussed across conventional ideological lines.
From improved physical and mental health, to reduced crime, to increased productivity, to smaller government, to increased bargaining power, to reduced effective tax rates, to increased entrepreneurship, to better educational outcomes, to economic multiplier effects, there's a growing body of evidence in support of a foundational floor of unconditional financial security.
Together these reasons form a picture of indispensability. This is especially true as automation continues transforming how we work, making inflexible non-universal safety net conditionality increasingly unable to cope with a rapidly evolving twenty-first century labor market.
Basically, to be against UBI is understandable as long as one misunderstands UBI. But to be against UBI once one fully understands it and the realities of ongoing technological disruption? That's what's truly difficult to understand.
An in-depth FAQ about UBI is available on Scott's blog, scottsantens.com.
Scott Santens is on the board of directors of USBIG. An in-depth FAQ about UBI is available on his blog at scottsantens.com.


Pranks, jokes, mischief, scams and skits do not alway have to be about scaring people... sometimes, we do things just to laugh at ourselves! Here's a few recent comedy skits.
The first one pokes a little fun at magic itself... The second looks at what life would be like if we acted like we do online IN PERSON. You likely need to be a big YouTube user to get all the references... The third one asks the question, "How close could someone get to you while recording?... and what excuse would you need to do so!?"
Please donate to my non-profit and help match kids with mentors with Big Brothers Big Sisters!
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I am very happy to say that by following advices and materials from your site, I have been able to secure a McKinsey interview with the Zagreb Office.
I've been preparing for this for the last four months now, and your site has been the central point of resources and information I needed.
Following your advice, I took a lot of effort in polishing my solid (but far from stellar) CV and consulting cover letter, and used networking extensively to get in touch with their former employees that gave me the green light to apply.
McKinsey accepted my application and I am officially to interview with them in two weeks.
LOMS has been, by far, the most valuable resource I used so far, and I believe will give me the necessary edge in the days to come.
Thinking about the interview process getting closer, I would like to pose a question regarding changing the issue tree (structure) of the case during the interview.
Namely, what happens when I open the case, structure my issue tree, start the analysis, but during the process realize that my issue tree is bad and will make it very difficult to crack the case (for example, we segment the revenues in a non-optimal way).
Is it viable to say, halfway through the analysis, that I wish to change my approach for this part of the analysis or the entire case?
Would this be seen as a big error, and what to do if that happens?
Thank you for your time, and I hope next time I write it will be for your "success story" section.
It is perfectly acceptable to revise your issue tree or framework in the middle of a case.
In fact, in a real life client engagement, this is actually quite common.
Often, the engagement manager will restructure the issue tree every two weeks (typically lower level branches, sometimes by a little, sometimes by a lot).
The key is why you switch the issue tree mid-stream.
If you made a mistake and simply forgot something you should have included originally, that's not ideal. But, it is better to self-correct your own error than to pretend you did not make it... somehow hoping the interviewer did not notice.
This might even rescue the case in that the interviewer might decide to pass you to the next round, but with some slight hesitation.
As opposed to not passing you to the next round at all -- which would be more common if you left something important out of the issue tree and if it was a glaring omission.
In fact, if you did not revise the issue tree in face of this new information and it clearly warranted a change, then failing to revise the issue tree is grounds for being graded a poor performer.
This is one of the top complaints of interviewers about candidates who start with a framework and keep sticking with a framework after there is sufficient information about the case to show it is the wrong framework.
I describe this candidate as overly framework-driven, rather than hypothesis-driven (the latter being preferred even if at the start, both types of approaches might start off exactly the same way).
So it would not be unusual to start a case with a profit framework, and then as you discover more, move to another framework or a custom issue tree.
Sometimes the initial framework or issue tree is wrong, but it is impossible to know this in advance. You have to use the framework and discover it is wrong, and then switch.
When I interview a candidate and I know they choose the wrong framework to start (but had a reasonable starting hypothesis), at this point I would not consider the performance poor.
Rather, I would consider the candidate's performance interesting -- interesting for me as the interviewer because either the candidate will perform in disastrous fashion or in a brilliant one... but probably nothing in between.
1) realizes their initial hypothesis is wrong.
3) if/when they revise their hypothesis, will they revise their issue tree to be consistent with the NEW hypothesis or stubbornly (or out of unthinking memorization) stick to the issue tree for the previous hypothesis?
So in many respects, this kind of case is a more useful case for an interviewer to give, because it tests these skills in way that more clearly differentiates a strong vs. weak performer -- particularly in comparison to a case where the candidate gets the initial tree right out of either insight or luck.
I will say this, when a strong performer revises the issue tree, they do so immediately after the factual information revealed in the case clearly and logically contradicts the original hypothesis.
For the mid-level performer, it might take two or three factual contradictions to the original hypothesis to prompt the candidate to switch the hypothesis and the underlying issue tree.
This is what an interviewer means when they give the feedback that you are "lacking business acumen.... or business judgment... or lacking insight... or analytically slow".
These are all code word phrases to indicate that facts were revealed in the case to indicate your hypothesis was wrong, but you did not notice it.... (often because you had some "pet idea" that you were just certain was right, and pretty much ignored all data to the contrary).
That is a big problem... even if you get the case "answer" right.
So in your case interview preparation, it is important to remember that getting the case right is not enough. How you get the case right matters a lot too.
This is why some candidates who feel like they solved the case correctly are frustrated when they do not pass that interview.
I am in the process of preparing for the application to McKinsey Zagreb office and I was wondering, since you have been through the process, if you would be willing to share some of you experiences.


Probably the most popular style right now and a great synonym for IKEA furniture and decor, this style is very easy to make if you have some essential pieces. This style is really dreamy and versatile by mixing minimal items with a bohemian touch. Pick white, grey and other neutrals and mix them with a lot of green or other colors, in soft tones. Mix textures, pick functional pieces with a simple design and always keep in mind that less is more!
This free spirited style is as relaxing as it looks. Rich colors, beautiful prints along with comfortable vintage furniture and big green plants make an effortless and adventurous mix. Tough the look seems messy, the result is dreamy. The pattern and texture mix creates a cozy space that's perfect for a free day at home, or a reading corner. Choose also ethnic inspired elements and show off your vacation souvenirs. Every print is accepted in this style, but the Moroccan one is the most popular right now.
This style was super popular at one point, but now the Scandi trend captured the spotlight. But, you can still see this elegant and gorgeous style in girly apartments, vintage inspired rooms or vacation homes. This style brings a vintage vibe into your home and makes it like a time capsule of a beautiful time period filled with flowers, bird prints, lace, ruffles, wooden mirrors and dreamy chandeliers. The furniture is distressed to get a more authentic vibe, the colors are pale and neutral tones along with girly prints are a must-have for this style.
This elegant and sophisticated style with minimal lines focuses on furniture that dates from the '50 or '60 or it is inspired of those retro decor years. This style focuses a lot on Earth tones but also has a lot of bold color accents such as yellow, orange or red that you can use when picking a chair, a lamp, a coffee table or a cabinet. Every piece of furniture has clean lines and curved angles and they are usually monochromatic. But you will see retro and colorful patterns when it comes to the rugs, the paintings or the pillows. Also, don't forget to pick glamorous lamps and a lot of green plants to make the space really dreamy.
This masculine, modern and unconventional style focuses a lot on exposed materials such as bricks, steel or wood. Moreover, it has a lot of metallic elements from copper to silver elements that make a perfect match with the modern materials added in a space. All in all, combine rustic colors with modern and vintage details and also industrial furniture like a chair or a table to show this style in all its glory.
Inspired by cosmopolitan and stylish lofts, this style is super modern and gorgeous! The urban modern look shown in all the major cities features a mix of styles that work really well together. From minimal furniture, to glamorous details and to modern accents. Think of hi-end furniture, the newest and coolest designs, big sofas and beds, fab mirrors and lamps and also some vintage pieces that will bring elegance and class into the space.
The most relaxing of them all, this style is perfect for a vacation house or for people who are obsessed with the sea or the ocean. The main colors you have to focus on are the ones that look like the sea, sky or the beautiful sand. Stripes and sea inspired prints are a must-have for this style and so is wood and nautical ropes. Also, pick a lot of sea elements to decorate your home with such as shells, sailboats, jars, boats and navigational maps.
The farmhouse style combines a traditional decor with rustic elements and modern accents. Think about the look of a French chic home and pick wooden elements, traditional furniture and industrial items such a cool bar stool or a lamp. The natural color palette is a must for this style combined with pops of colours if you want to add a fresh touch. The classic plants such as lavender make this space more authentic and the rustic deco elements such as raffia baskets or porcelain dishes make any farmhouse interior super dreamy.


She'll be steppin' in style with the Cupcake Couture CK Kitchy girls' slide. It's created with a beaded synthetic upper, simple band and contoured footbed. She'll love the little sparkle, making it perfect for pretty dresses and embroidered denim.


text: Q: Maven multi module project release with different versions If I have a multi module project where modules have different versions, what happens during a release when only one of the modules has changed and has a new version? Does only that module/jar gets deployed and released? How many tags will be created? What happens to the other modules/tags?

redpajama_set_name: RedPajamaStackExchange


ActionTiles bases (nearly) all its Events on the subscriptions to Attributes defined within the official SmartThings Capabilities.
Yup - you notice the "alert" Attribute exists, as well as what seems to be a placeholder for details "alertKeys". I have not, however, seen any example data here; so we'd have to look up the API used - I think it is from Weather Underground API?
So this looks like a feasible Feature Request; but implementation still requires significant effort. The Weather Tile is already pretty crowded, so we'd have to think and discuss if Alerts (with Intention change and data) should be added to this Tile, or if a distinct new Tile Type should be created.
Thus, this Topic is open as a Feature Request. Folks are encouraged to VOTE as well as do research into the details of the Weather Underground API (and figure out how to force test values to be sent to a Smart Weather Tile Device in SmartThings?), and so on.
For what's it's worth. I had a separate tile in mind dedicated to local weather alerts. I think the weather station tile is great how it currently is.
Thanks for the quick response! I have to say that I have been really enjoying action tiles! I think it is a great program and asset for home automation users. I did a quick look at the IDE for the weather station alert states and alert key logs and had these last week during a severe weather event at home.
Please just add Topic Votes rather than clutter with "what he said" or "+1" comments - Thanks!
I voted for this. Along with Alerts, why not add "forecastTonight" and "forecastTomorrow" as well. Those would be great additions!
Just checked, and there is also a "forecastToday"..... that would be great as well, as they are already there in the Smart Weather tile.


A class action was brought against a gold exploration and development company (the "Company") following the restatement of the Company's unaudited quarterly financial statements for the first three quarters of 2007. The restatement was the result of a reclassification of certain gold forward contracts entered into by the Company from "executory contracts" to "financial instruments" under Canadian GAAP. Although this reclassification required the Company to recognize certain unrealized gains and losses on its income statements, those unrealized gains and losses were previously disclosed by the Company in the footnotes to its financial statements.
The plaintiff class alleged that the Company's failure to account for its forward contracts as financial instruments was a material misrepresentation, which had the effect of inflating the market price of its shares. Plaintiffs further alleged that shareholders incurred losses as a result of the decline in the price of the shares following the restatement of the Company's financial statements. The stock traded on the Toronto Stock Exchange (TSX) and the Alternative Investment Market (AIM) in London.
Counsel for the Company retained a NERA team led by Vice President Bradley A. Heys to provide independent analysis of the efficiency of the market for the shares of the Company and to assess the impact on the stock price attributable to the alleged misrepresentations.


Aaargh! Stuck on what to do!!!!!
Discussion in 'Subwoofers' started by Matt_C, Jan 2, 2007.
But, spent new years my my friends house in Reading (who also has a full 5 speaker mission set up, almost identical to what I have/will have) and his LFE is represented by a pair of car audio 12" Kendwood subs, in a car audio boot build MDF box, run from a stereo Cambridge Audio house amp... Not the best to look at (not a huge issue at his place, as they are virtually hidden anyway) but man oh MAN! They sounded SOOOOOOO fine! The bass was deep, smooth, rounded and warm, very "omni-present" and non-directional (in fact you really could not pin point where they were from any seating position in the room) and when they dropped, they DROPPED LOW - we had music playing, and one track had some earth shattering bass drops in it, and these subs dropped so low, I haven't heard anything like it since my car audio days! I used to run a pair of 12" JL Audio subs, which I always really really loved the sound of, in one of my cars (well, actually, two cars as I kept em when I sold the car) but sadly some toe rag decided they wanted em and took them in the middle of the night!
Agreeing with stevefish69 on this one, car subs are awful, I spent a year doing a project on how bad car subs were. Not so much designed but thrown together...... A proper home cinema sub will astound you, honest! Get a demo somewhere. If you want some serious sub get a nice Genelec one, my current favourites!!!
Question Destiny - game stuck on The Tower! Don't know what to do!


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text:
Dr. Jacob Witt Earns 2nd Place at UWCCC Research Retreat for Presentation on MRI-Guided SBRT
Dr. Jacob Witt (third from left) won second place for his presentation on MRI-guided SBRT for spine metastases at the UWCCC Research Retreat.
Stereotactic body radiation therapy (SBRT)—a technique for delivering precise high dose external beam radiation—can be used to target metastatic lesions in the spine. But treating certain spinal lesions can be challenging given their proximity to the spinal cord and nerve roots. In a presentation that won second place for trainee oral presentations at the recent UW Carbone Cancer Center Research Retreat, Jacob Witt, a UW radiation oncology resident, outlined a new MRI-guided SBRT approach for spine metastases that potentially offers "higher confidence in terms of what we're treating and, importantly, what we're not treating."
The study compared treatment plans for nine patients using two different radiation therapy systems: Varian TrueBeam and ViewRay MRIdian Linac. The latter features an MRI guidance system that enables monitoring of tumors and surrounding tissues during treatment.
Both systems produced similar, high-quality treatment plans. The ViewRay treatment plans did, however, have better dose gradients. The ViewRay system also offers the ability to monitor and to automatically turn off the treatment beam if the target volume moves outside the specified treatment boundary. This produces a "potentially safer" treatment in certain cases, Witt says.
"The study looked at a small patient set, but it has paved the way for us to perform spine SBRT using the ViewRay system, which we now do pretty routinely," Witt says.
Witt was awarded funds to travel to scientific conferences for placing second at the research retreat. "It was great working on the project, and I was happy to present it and to be part of an event that captures the phenomenal scope of research taking place at the UW Carbone Cancer Center."

redpajama_set_name: RedPajamaCommonCrawl


text:
Rossling
Logs by Date » Logs for Winter 134 A.E. - 135 A.E. » Rossling
Title: Rossling
Time Period: December 27, 134
Characters Appearing:
Algernon Fogg
Cordelia Ross
Jørn Wartooth
Summary: During regular duties, however bore-some, Jørn finds a moment to fetch his Rossling to home.
The steady incline of duties given to new recruits into the militia is a smooth one, generally; and after that time, it evens out into what each man or woman knows themselves able to handle. There are some times in this initial lifespan that find doubling up to be profitable. Most things will get finished twice as swiftly, and with twice as many eyes. This is not the case for patrols, or toting around messages between posts. It is the latter that Jorn (plus one) has found himself with; materials and letters needing delivered here and there, easy going with or without a horse. Perhaps, however, his plus one being Algernon, it is to further familiarize the other man even further with the plain life that is Dornie. At least once, Jorn has been stopped by a greeting or a beckoning to an open window to exchange a few words. Plain, indeed.
"It is just down this way." The day is closing, and so are the shops along the waterfront. This includes the culmination to Cordelia's day, which happens to fall between deliveries being made. They still have a few to make, but such things are aimed for hightown, where she must be taken regardless. "She should be ready." Jorn walks alongside his mare, reins in one gloved hand. Kuu carries a half-emptied saddlebag on her side, and the bored sway to her muzzle gives away any importance of questing whatsoever. Horses just don't care. Kind of like Honey Badgers.
Comfortably bored in the saddle, with the warmth of a horse that isn't his to keep him company, Algernon shifts in time with the dun beast's plodding pace beneath him. Eyes initially on Jorn as often as they were anywhere else, he's since been lulled into the kind of idle distraction that the white of a flawless winter landscape tends to beget.
Breath puffed slow past the low brim of his hat rises in his wake, any potential complaint stifled into silence that is either aloof or companionable, depending upon one's take. He's kept his distance where Jorn has made conversation with the locals, acknowledgement granted with a lazy tip of his hat from afar. Occasionally a forced smile.
Work is work.
He can be a mail delivery man.
As if on cue, the door of the apothecary opens; Cordelia slips out, a smile on her face as she turns to say goodbye once more to Aislinn inside. It's feigned however; as soon as the door is closed, Cordie's face crumples. She is not aware she has an audience just yet, or she would have forced herself to remain stoic longer.
Her small boots scurry down the steps to the ground below. Tugging on her gloves, she then wipes her eyes as she turns to look at the water and then the road. Seeing Jorn and the stranger who accompanies him draws a small gasp, her cheeks flushing with embarrassment for the tears. She turns away to tuck her hair into her hood and wipe her eyes once more, hoping that perhaps the two men didn't notice, and hoping that at least they'll have the grace not to ask.
A deep breath is taken, her slim shoulders rising and falling, before she turns around and begins to trudge her way toward her escort(s).
In most cases, aloof and companionable is all the same for Jorn. He has kept an eye on Algernon as an instructor might; willing to let the man wing it, but also there should something go awry. He pauses in the road to watch the door of the second floor flip open, and the girl step out. The change on her face puts one onto his, and his passive blue gaze wrinkles slightly at the edges. Hm. A frown comes when she gets caught with her embarrassment, though when Jorn presses himself and Kuu onward, he does not choose to bring what problems have happened into the spotlight. Later, likely.
When they get near, Cordelia is received by the mare with a swish of the tail and a bobbing of the nose. Jorn, being without a muzzle or a tail, brings his arm up to put one hand behind her back. Protective, but only just enough to seem commonplace. Embarrassing her further wouldn't do at all.
"This is mister Fogg. We were making some deliveries. We have a few more on the Reach." 'I thought that you might like some company' goes unspoken. "This is Cordelia Ross." He makes a proper introduction, before he forgets, wagging his palm between the pair of them.
Ross and Rowntree, Rowntree and Ross. "Pleasure to meet you, Miss Ross," does not sound rehearsed or otherwise strained; Algernon's address is (naturally, respectfully) affable from on high, in following Jorn's familiarity and tone. Also in following, he declines to remark upon crumpling or evidence of — sensitivity. To an unknown source.
His eyes linger, though, appropriately blue in cast to blend against chill weather until they flick away to check that his original assumption was correct: Jorn noticed and deliberately has said nothing.
…Very well, then.
Dark eyes seem dry but for where the tears have dampened long lashes, and to her credit, she's done a good job of swallowing whatever emotion had overcome her, given her tender age. "Hi," she says to Jorn, reaching to pat Kuu affectionately before turning to the newcomer.
"Mr. Fogg," she repeats, and then smiles, a slow but sweet thing. A gloved hand is offered to the stranger. "It's very nice to meet you, sir. How are you liking our town?" The question seems earnest, and she watches him for his response as if she cares about his opinion, given that she is a member of both of Dornie's reigning clans.
As much as Cordelia is still a child, Jorn has an inordinate tact with her; perhaps he has deigned to practice such manners on a child over the years, because children are far more forgiving of social faux pas. He waits with one palm on Kuu's saddle while the Rossling offers Algernon her hand, curious enough of the moustached man's reaction to both the name- and to the politeness, even if wary- of a child. Jorn finds he can tell a great deal about a person, when he closely regards how they treat all forms, not just 'lower' ones.
His waiting puts a nit in his horse's mood, and the dun creature lifts her head so that Jorn may scratch under her neck. He does so reluctantly.
Her hand is offered, and Algernon only has a fraction of a second to look at it and blankly think about how much he does not want to remove himself from horseback before his reluctance will be made inherently obvious by the delay. Therefore the deep breath he takes to bolster himself into propriety is the same one he takes to lift himself smoothly down into a dismount. Some stiffness in one knee follows him down, not enough to hamper him taking her hand up in his glove.
"It strikes me as unwise to ground a judgment in such limited experience, but for the short term," he says, also earnest, also polite, "I've found it to be quite captivating." His smile has more to do with a cinch at crow's feet than it does his mouth, though there is a twitch up at the corner somewhere in there. "Mister Wartooth's spoken very highly of you."
If there is any sarcasm in the comment, Cordelia is too naive and of limited experience to pick up on it, and she smiles at the seeming compliment of the town and then of herself.
"Mister Wartooth is highly biased and a silly bear, but thank you very much for listening. I'll let you decide if I've earned any of his good comments," she says, dipping her head before withdrawing her hand. "As for Dornie, I haven't really been many other places, except for the outskirts, but it's home. Where do you hail from, Mr. Fogg?"
Jorn is perfectly fine in his petting of his horse, up until she calls him silly bear. He leans out from behind the mare's head, scowling just enough to allow it register. At first he does not seem to want to say anything on the matter, and then he does- though it still does not come. The tall man grits his teeth, promising a silent note of scorn for her later. He has an image to uphold, in some respects, and being a tenth babysitter is bad enough. Not that he dislikes it.
A silly bear. Algernon's brows lift, all Is he, now? in uneven tilt and a look sideways after the Mister Wartooth in question. Don't be bashful, Jorn. Says the look.
We're all friends here.
"South," Fogg says aloud an awkward beat later. Vague in answer to a question that he hasn't actually been asked previously, for whatever reason. 'Awkward,' in the sense that it may be a sensitive subject. He arrived with the gypsies. So far that's been good enough. "Yours is the largest settlement I've seen. Certainly the most organized." He smiles that smile again, decades too late for a decent Godwinning.
To the scowl, Cordelia gives her best ingenue impression, one that could possibly put her cousin's acting to shame. "Well, we're certainly glad to have you here," she says; from another girl, with another air or disposition, it would seem ostentatious and perhaps patronizing, but it seems Cordie is entirely in earnest, a warm and sweet tone to her words despite Algernon's awkward pauses.
She gestures to the two men and the road. "Don't let me stall you in your errands, or interrupt your work."
The northman all but purses his lips white, at Algernon's look over at him. Bashful ain't the half of it. He seems more embarrassed, than anything, setting about to fidgeting with the saddle. He does catch Algernon's pause when asked about where he was from- and it sounds familiar, much like when he had first come to Dornie, and answered 'North' whenever asked the same. A tricky thing, origins.
"I am to take you home." Jorn intones a moment after the girl tries to wave them off. "I mentioned that we are going the same way- it will not be a problem?" He won't be bothering her if she insists upon going off on her own, though he always has uneasiness about looking the other direction.
A nod stands in for a thank you, flattery shed like the black swing of his coat sheds the cold. Introductions made, pleasantries exchanged, Algernon glances after Jorn's reminder and takes it as a prompt to saddle up again. The younger man's embarrassment isn't lingered on. Passing amusement.
Boot to stirrup, right leg swung over from behind, he settles back onto his matching mount and bumps into enough of a trot and halt to make it clear he has no intention to force the issue. Wartooth is the senior officer on site.
And she asks questions.
"It's fine," says Cordie; while she's been known to be stubborn and go her own way at times, it's usually not so late or dark or cold as it is now. "I only meant… we can go."
Third parties make normal routines so awkward for some reason.
She adjusts the bag she carries over her shoulder and approaches Kuu, letting Jorn help her mount the creature. Once on, she is quiet, as promised; there's a faraway look in her solemn eyes that Jorn knows comes with a hard day's work, that such a look comes when she's lost a patient or is soon to. She won't speak of it in front of Algernon nor in front of her family at dinner; she'll take the sorrow to bed with her and wrap herself in it like a blanket tonight.
_algernon_cordelia_jorn
Chancel Aleph
A Nobilis Fansite
iaac emergent culture glossary
Harry Potter: Into The Fire
Energy Club


According to a new study published by Gut, overweight teenagers, male in particular, may be more prone to colon cancer later in life. The study evaluated potential links between adolescent body mass index (BMI) and colon cancer in adults, and its findings were deeply concerning, deducing that teenage obesity can make a person twice as likely to develop bowel cancer.
With colon cancer rates on the rise in young Americans, it's time to take action and make sustainable lifestyle choices starting today.
Teenage obesity is a serious problem in the United States. According to the CDC, more than 1/3 of children and adolescents were either overweight or obese in 2012. Today, youth obesity remains an issue that affects a range of health issues, now including future colon cancer risk. Obese adolescents are more likely to suffer from cardiovascular diseases (high blood pressure or high cholesterol), pre-diabetes or diabetes, bone/joint issues, sleep apnea and poor self-esteem. These are just the short-term risks – long-term health risks include cancer and stroke.
Doctors of obese teenagers are likely to recommend lifestyle changes such as diet and exercise in order for patients to lose weight and decrease the many health risks they face both now and in the future. Even small simple changes can have a big impact – cutting out sugar-heavy beverages or replacing snacks with vegetables or low-calorie, low-sugar alternatives are a great start. However, small changes are often not enough to reduce a person's risk of colon cancer. Keeping your digestive system healthy and happy should become a priority for obese teens and their parents.
Although colon cancer is highly preventable in adults, it is particularly disconcerting to think that teenage obesity can determine a person's likelihood of having bowel cancer as an adult. If you are an overweight or obese teenage, or the parent of an overweight/obese teenager, it is recommended that your child and you take immediate steps to decrease his or her BMI. Consulting with a physician or nutritional counselor is an excellent first step toward taking control of a person's health and reducing the risk of life-threatening cancers.


A network proposal has to be designed for a hospital which has the following. There is a main block and three wards in the campus. The main block is the administrative block where registration of new patients takes place. The main block has 5 floors. The hospital has identified hospital management software, which should be accessible by the employees. The software is installed on a server at the administrative block. At the ground floor, there are 15 computers at the billing section. At other floors, there is one computer user each. The farthest distance between the computer on the top most floor and the ground floor is less than 70 meters. The wards have 5 floors each, with 10 computers in the gound floor of each ward. The distance between the wards and the blocks are less than 80 Meters. The computers in the wards may be increased based on future expansion plans.
1. Hardware requirement analysis in main block with quantity.
2. Hardware requirements analysis in wards.
3. The employees should receive dynamic IP addressing from a central server.
5. Every computer should be able to access the hotel management software from each of the location using a fixed IP address.
6. IP Network design table.
7. Identify configurations on the hardware wherever appropriate.
8. Network Testing and verification.


I've worked in desktop publishing for over 20 years - basically, since it's inception.
Cramer Design is a small (read one person) design business in Lebanon, PA. For over 15 years Cramer Design has provided professional design for a fraction of what a large agency would charge. Paying more does not always yield better results.
Clients include hospitals, breweries, large international manufacturers, even a former super model. No job is too small.


Newspaper, being the most traditional form of media in Anantapur constitutes a commendable newspaper readership providing ample scope to the Advertising Agency in Anantapur to stride on the essence of Financial Results Advertisement.
Why book Deccan Chronicle Financial Results Ad in Anantapur ?
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11th August 1966, At a press conference held at The Astor Towers Hotel in Chicag…
11th August 1966, At a press conference held at The Astor Towers Hotel in Chicago, John Lennon apologised for his remarks that The Beatles were 'more popular than Jesus'. Lennon told reporters "Look, I wasn't saying The Beatles are better than God or Jesus, I said 'Beatles' because it's easy for me to talk about […]
It was possibly the worst press conference in the history of Rock and Roll. On M…
It was possibly the worst press conference in the history of Rock and Roll. On May 22, 1958, upon arriving at London's Heathrow Airport before a tour of the UK, Jerry Lee Lewis shows the press his new bride — his 14-year-old (some reports say that Jerry said she was 15) third cousin, the former […]
10th April 1970, 27 year-old Paul McCartney issued a press statement, announcing…
10th April 1970, 27 year-old Paul McCartney issued a press statement, announcing that The Beatles had split, (one week before the release of his solo album). McCartney said, "I have no future plans to record or appear with The Beatles again, or to write any music with John". John Lennon, who had kept his much-earlier […]


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Fostering Self-Sufficiency With a Smile
Golden rays set the place aglow. Bird melodies ride the breeze. It's six in the morning, on a summery day. But peering in the mirror, your eyes zero in on an abysmal gap between yellowing front teeth, charred with murky stains and red angry canker sores raging in the gums.
To smile, let alone talk, is painful and a stinging blow to any sense of self-confidence.
Such contrasts were an everyday reality for south county native Regina Tomlinson, 26, and a current resident at Laguna Beach's Friendship Shelter, where homeless adults aim to achieve self-sufficiency. Tomlinson knows the frustration of being unable to absorb or express joy through the simple act of smiling because her dental problems would not allow it.
But thanks to some big-hearted dentists, today, she can flash her pearly whites with pride.
Dentist Elli Abtahi and her office manager, Jodie Goode, remember the day Tomlinson walked into their beach-cottage office on Glenneyre Street, walking distance from the Friendship Shelter, her mouth swollen from eight tooth abscesses, her front teeth missing from a rough life on the streets. Eight extractions, one root canal and a partial denture later, Tomlinson emerged, more prepared to take life by the reins again.
The procedure was underwritten entirely by Abtahi's office. "We're just looking to help out and get these people off the street again. Everyone at some point in their life needs a helping hand," said Abtahi, who graduated from Indiana University's dental school in 2005 and opened a private practice in Laguna Beach in 2008. "All we're doing is encouraging them to stand on their own feet. What better way to show this than helping them health-wise?"
For the past two years, raven-haired Abtahi has served as Friendship Shelter's dental partner, establishing a no-cost service for its ever-changing 32 residents. She has helped at least 30 residents since the start, handling extractions, dentures, emergency situations, root canals, and X-rays. Frequency of visits varies. One month, the compassionate dentist had two or three visits a day.
Starting out was quite simple. "Jodie and I went in there, asked, 'Is there anything we can do?' At first, we just opened a little window, but now, the door has blown open," she said.
At the shelter, retired periodontist Dr. Gene Rathbun assesses residents first. He refers severe or emergency needs—pain, infections, missing teeth—to Abtahi. After squeezing them in through her regular year-round appointments, she decides if they need specialist care from her equally generous associates drawn from throughout south-county.
She and a team of specialists—dentists Millard Roth and Dan Boehne, oral surgeons Nadar Salib and Mary Delsol, Okon Dental Lab, and implant company representatives Danielle Cohen and Jake Thomson—give it their all, from costly root canals to high-tech CT scans, free of charge.
Opened in 1988, Laguna's nonprofit Friendship Shelter is a place of second chances. Over the last 25 years, it has helped 6,000 people get back on their feet. Local dentist Barbara Hawthorne occasionally provided services to shelter residents over the past seven years, but now residents of its self-sufficiency program, sister shelter in San Clemente, and Henderson House, as well as itinerant homeless people who bed down at the city's Alternative Sleeping Location in Laguna Canyon can get access to Abtahi's no-cost dental care. Before this, there never really was an established system for indigents, said Self-Sufficiency Program Manager Analisa Andrus. For medical needs, Friendship Shelter residents are seen at the Laguna Beach Community Clinic in downtown and the government-funded county Medical Services Initiative Program for the poor.
Abtahi attributes the shortfall of general dental care to costly insurance and fear. Dental offices still inspire trepidation in some patients, which explains why her office is purposely designed like a home, complete with different welcome signs and a garden. Most people underestimate the impact of oral health on physical well-being and self-esteem, she said.
"You can't go out and be engaged in the world without your teeth; that's the world we live in," said Friendship Shelter's Director of Programs Mark Miller, whose responsibilities include operating the city's homeless shelter. "If you have to spend your life afraid to smile, that eventually starts to eat away at your psyche."
Rather than establish dental services at a homeless shelter, Miller strongly supports the alliance with Abtahi. "When you look at the idea of helping people integrate back into the community, the idea of them going to a dentist in the community and sitting in a waiting room with other members of the community…lets them feel like they belong somewhere and that people are pulling for them," he said.
Abtahi affirmed, "We don't accommodate them any differently than our regular patients. They come in just like everybody else."
Going forward, Miller envisions a broader alliance involving dental and medical professionals to avert crises situations and move towards prevention. "We don't need to wait until people are in pain to treat them," he said. The shelter does actively seek out local practitioners such as Hawthorne to provide dental care. Before Abtahi's office came into the picture, the shelter had been on the look-out to borrow office space for Rathbun, said Goode.
"One helping hand is like a drop in the ocean, but it's better than no drop," said Abtahi. Goode chimed in, "We hope this becomes infectious."
Tomlinson is proof of the program's impact. With a new swag in her voice rounded by deeper confidence from within, she beamed, "When I go to interviews, I don't have to worry about my teeth problems. I'm more excited. I'm more smiling."
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Past Captains' Competition - Littlestone GC
Past Captains' Competition – Report
Past Captains' was held this year at Littlestone Golf Club, near Romney Marsh with stunning views over St Mary's Bay and the approaches to Folkestone. If you haven't played there, you should try to find time to play this wonderful links with hard fairways, beautiful greens and friendly members.
Thirteen past captains turned out this year: Ivor Foster (1971), Colin Griffith (1986), Martin Prevezer (1988), Clem Danin (1989), Alex Heath (1996), Bob Stevens (1997), Steven Spencer (2004), David Littlestone (2007), Derek Raphael (2008), Seamus O'Connell (2010), Brian Woodbridge (2011), Chris Jones (2014) and Ashok Singhania (2016).
The club having provided a sandwich lunch, the competition started out at 1 o'clock in sunshine but with a stiff north-easterly breeze that made the stroke index obsolete. In in the fading October light, the last trio were putting out the 18th in the gloaming. However, some good scores were posted given the impenetrable rough that trapped wayward shots and the hard fairways that allowed shots to roll into unseen bunkers.
Leaders in the clubhouse were Chris Jones with 33 and Bob Stevens with 34 points until the last group emerged from the dusk with Seamus O'Connell posting 36 and the winner, Steven Spencer 37, to take the cup at the last moment.
Dinner was taken in the evening and a few players turned out the following morning for a pleasant round on the Warren Course before setting off for home.
Enormous thanks go out to Clem Danin for painstakingly making arrangements with the club which made for a delightful day.
LMEGA vs Bank of England 3rd October 2016
Under clear blue skies, not unlike those at Hazletine National, 20 combatants representing LMEGA and the Bank of England, fuelled by the highs and lows of an exciting Ryder Cup, played out a very close contest at a beautifully prepared West Byfleet Golf Club.
Given the available hours of daylight, a series of morning fourballs was played over West Byfleet's closing 11 holes. Rob Draisey and Vice Captain Yang prevailed in their match, as did Martin Abbott and David Ratcliffe in the anchor game, whilst Dominic Boyle and Captain Ashok Singhania fought bravely to secure a halved match on the 18th. At lunch, the match stood at all square with everything to play for in the afternoon.
After ample sustenance courtesy of West Byfleet's catering team, the afternoon was set for a series of 10 singles games. As the results began to come in, there was great anticipation of a famous victory: Jan Rommer halved his game in the battle of the single figure beasts whilst Dominic Boyle and Dave Farrar comfortably saw off their opponents. Rather like Sunday at Hazletine, the scoreboard was turning blue at the top. But then, the hammer blow from the Bank's middle order where games 5, 6 and 7 all finished in their favour by the slimmest of margins on the 18th. Despite David Ratcliffe and Martin Abbott again excelling in the two last anchor matches, the damage was done and the Bank squeaked home victors by 8 points to 7.
With almost all the LMEGA side contributing at least a half point, it truly was a team effort from which all should take great pride. As the sun began to set, all that was left was for the players to take refreshment on the terrace, determine how they would have done things differently if sitting in Darren Clarke's shoes and cheer the Bank's success as Captain Singhania handed the trophy to the Bank's Peter Ross. By popular demand, the next match will be played at the same location a year from now.
David Hardy III
Non-playing Match manager


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When Taco Cabana founder Felix Stehling died in 2012, his wealth was valued at about $20 million. Fast-forward several years and those assets are now "worthless," according to a lawsuit filed by his stepson.
A recent court document says Stehling pocketed roughly $28 million when the then-San Antonio-based Tex-Mex chain, which he took public in 1992, was sold for about $154 million in 2000.
When Stehling died Dec. 10, 2012, at age 85, his assets were valued at about $20 million.
Fast-forward about six years and those assets are "worthless," according to a lawsuit filed by Stehling's stepson Lynn Moody last month in Bexar County district court. The assets include a San Antonio building and Colorado land.
Moody, a 67-year-old heir, accuses Stehling's longtime San Antonio investment adviser, James C. Worth, of squandering the assets by over-leveraging them to generate cash for himself and others. Worth serves as general partner of STW Interests, which has held Stehling's investments, and as trustee of various trusts of which Moody is the beneficiary.
Business reporter Patrick Danner details the a lawsuit that alleges fraud and self-dealing by the long-time investment adviser to Felix Stehling, co-founder of Taco Cabana. EN Depth.
The lawsuit alleges Worth, 66, engaged in fraud, self-dealing in violation of his fiduciary duties and negligence. The complaint seeks unspecified financial damages.
"This is all about Moody trying to get money for himself," Snell said.
Worth has blamed some of the troubles on plunging real estate prices brought on by the 2008 financial crisis, living expenses for Stehling and his wife in their final years, and some poor investment decisions.
"There were a lot of losers," Worth said in court last month.One of the disappointing ventures Worth cited was Stehling's late-in-life move to run three San Antonio barbecue joints in 2002.
Stehling had to sell his small ownership interest in the San Antonio Spurs to then-team Chairman and CEO Peter Holt after real estate values collapsed in 2008, Worth said.
Snell argued before Judge Michael Mery that the dispute with Moody should be settled by binding arbitration, as spelled out in an agreement Worth and Stehling signed in the 1990s. Moody's lawyers countered that he's not bound by the arbitration clause because he's not a party to it.
Mery told the parties earlier this month he will rule that the dispute should be arbitrated.
Born in 1927, Felix Stehling was the second oldest of 11 children. His parents immigrated to the Texas Hill Country from Germany in the 1860s. His father ran a clothing store in Fredericksburg, where all of the children were expected to work.
Felix liked the business, but he hated small-town Fredericksburg, the San Antonio Express-News reported in a 2006 profile.
"All I wanted was to move to a big town and get to the big time," he said.
After serving in the U.S. Army Air Corps in the 1940s, Stehling enrolled at St. Mary's University, where he graduated with a business degree in 1949. He worked for an insurance company for two years but found working for someone else wasn't for him.
"I knew that, if I wanted to be someone, I'd have to go out and earn it myself," he said.
In 1952, Stehling leased an Austin Highway shack, rechristened it Triple S and went into the hamburger business. In that tiny building, Stehling introduced the Alamo City to the bean burger, a now-famous concoction of refried beans, diced onions, Fritos and Cheese Whiz.
Stehling also met his future wife, Billie Jo Moody, at the Triple S. She was divorced with two young sons — Lynn and Thomas Moody Jr.
Stehling invested his earnings from the Triple S in Crosswinds, a bar near San Antonio International Airport. It was the first in a string of restaurants and nightspots he operated. Others included the Bombay Bicycle Club, the Poco Loco Club and the Crystal Pistol.
Felix Stehling is credited with inventing the bean burger, a now-famous concoction of refried beans, diced onions, Fritos and Cheese Whiz. It's on the menu of many local burger joints.
Prior to opening Taco Cabana, Stehling operated a string of of restaurants and nightspots, including the Bombay Bicycle Club.
The latter indirectly boosted the Stehling's family fortunes permanently.
The Crystal Pistol was so popular that after a Dairy Queen across the street closed in 1978, Stehling leased the property at Hildebrand and San Pedro for the bar's overflow parking.
He wasn't about to let the shuttered Dairy Queen sit unused. Stehling, his wife and his brother Mike decided to open another restaurant in the building.
They considered selling hamburgers, then switched to barbecue — even spending $5,000 on a pit — before deciding on tacos.
The restaurant was a hit from the start, making $700 on the day it opened. It stayed open 24 hours a day because Stehling didn't want to spend an hour locking up the patio furniture each night.
Several of Stehling's brothers and sisters worked at the restaurant, as did his stepsons.
Taco Cabana opened a second store in 1983. It had nine locations three years later.
Stehling wanted to sell franchises and then take Taco Cabana public. Some relatives, however, preferred stability, slower growth and control.
So Stehling assumed sole ownership of five locations and retained the Taco Cabana name in 1987, while brother Mike got the other four locations.
Taco Cabana founders Felix and Billie Jo Stehling in one of their restaurants.
Five years later, Stehling jumped on a strong market for restaurant issues and sold 30 percent of Taco Cabana to the public for $35 million. About $20 million of that went to the company and the rest to insiders, Forbes reported in 1993.
Stehling still held about 6 percent of Taco Cabana, worth about $18 million, according to the article.
Problems emerged after a second stock offering in 1993. Taco Cabana ran out of experienced managers as it expanded to more than 100 restaurants, and a Colorado expansion flopped.
Stehling was eased out as chairman in late 1994 in a dispute with Taco Cabana's CEO.
Taco Cabana and its 126 restaurants — primarily in Texas, Oklahoma and Arizona — were sold to Syracuse, N.Y.-based Carrols Restaurant Group in 2000. That $154 million deal enriched Stehling by $28 million, according to his stepson's lawsuit.
In 1994, around the time Stehling left Taco Cabana, he met with Worth, the San Antonio financial adviser. The pair had known each other for about four years.
"He already had problem investments that he wanted help with," Worth said on the witness stand March 19. "I did that kind of thing, so I agreed to help him out.
To understand the legal battle over the estate of Taco Cabana founder Felix Stehling, business reporter Patrick Danner reviewed numerous court filings in Bexar County district court and records in Stehling's probate case. He also conducted interviews and covered a March court hearing.
Stehling and Worth memorialized their arrangement in an agreement that included a clause to arbitrate any disputes. The first page of the agreement is dated Jan. 1, 1996, but the second page is dated Jan. 2, 1999.
Moody's lawyers argue the document has not been authenticated and may have been "cobbled together" in hopes of convincing a court to order arbitration.
Stehling operated a dozen limited partnerships, Worth said, so the pair put them into a holding company called STW Interests in 2007. STW is an amalgamation of their names. Overseeing the various investments became Worth's "only gig," according to Snell, his lawyer. Worth owns a 10 percent interest in STW.
Worth testified that some of the trusts set up for Moody in 2007 acquired a portion of Stehling's interest in STW.
STW's holdings included a Seguin metal stamping and fabrication company, and a machining manufacturer and a machine components company, both in Fredericksburg. Worth, who had interests in the three companies, over time exercised options to buy STW's stake in the companies.
STW's real estate holdings include a building at 225 E. Cevallos occupied by Supreme Meat Purveyors, a distributor operated by Moody. The property is assessed at $550,000 by the Bexar Appraisal District. Worth alleges Supreme Meat has not been paying rent to STW, contributing to STW's cash-flow problems.
STW's real estate holdings include a building at 225 E. Cevallos occupied by Supreme Meat Purveyors, a distributor operated by Moody. Worth alleges Supreme Meat has not been paying rent to STW, contributing to STW's cash-flow problems.
Attorney Francisco "Frank" Guerra IV, who represents Moody, didn't respond to requests for comment. Guerra said after the March 19 court hearing that his client declined to comment.
STW also purchased some undeveloped high-end residential lots in Telluride and Castle Pines, Colo., just outside Denver.
As for whether land was an appropriate investment for Stehling, given he was in his 70s and real estate can't easily be converted to cash, Snell said Stehling wanted to do the deals.
"You can criticize that if you want, but Felix was very astute and very active and very much a guy that like to do deals," Snell said.
Felix Stehling's wife Billie Jo is credited with the decor of the Taco Cabana restaurant chain.
"This is not some doting old man, at least not until the very end, 2010 and after, when he was really stricken," Snell said, adding Stehling had a minor stroke in 2008. In the last few years of his life, Stehling suffered from dementia.
A document filed in 2009 in Bexar County records shows Stehling gave power of attorney over all of his business affairs — including real estate, financial and estate transactions — to Worth in March 2007.
In December 2007, both Stehling and his wife executed their last wills, spelling out what should happen with their possessions.
Stehling died in 2012. Worth is the executor of the estate.
Moody questioned a deal where Worth acquired the Port Aransas beach house that Stehling and his wife had owned but deeded to STW in 2008.
Worth, as general partner of STW, listed the beach house for sale at $779,000 in 2010. A month later, he took out a $520,000 loan on the house, which had been debt-free. Moody says in his lawsuit he was never told where the proceeds went, though Snell said STW needed the money for its debt obligations.
In 2012, according to the suit, Worth informed Moody that STW was selling Worth half of its ownership in the beach house. Worth added he would personally guarantee the loan.
Instead of paying cash, though, Moody's suit says, Worth simply took over half of the $5,600 monthly payment obligations on the loan. Worth was supposed to make a $50,000 down payment, but the suit alleges there is no evidence he did. Worth made the payment, Snell said.
Worth also indicated he was granted a 10-year option to purchase the other half of the property from STW, the suit says. He offered to write a check for $210,000 to acquire the interest, but Moody says neither he nor the trusts ever received any distributions from the sale.
The latter sale was "mainly done to provide cash for STW and for it to reduce its expenses," Snell said. The purchase price was "spot on" the appraisal from Worth's lender, Snell added.
Moody also alleges transactions involving the Telluride lots "greatly enriched" Worth and his longtime friend and partner, Colorado developer Jack Vickers III, "while depleting virtually the entirety of Felix's estate." Trusts naming Moody as a beneficiary, Moody claimed, have been "looted" by Worth and Vickers, who also is a defendant in the lawsuit.
"That diminution of the assets has occurred principally through real estate transactions that Worth and Vickers have undertaken; the obligations imposed by loans exceed the value of the properties they secure," Moody adds in a court filing.
In essence, the suit alleges loans were taken out on the property while management fees the pair collected ate up the equity.
Snell countered that the Colorado real estate has paid off handsomely.
"I don't want to put direct numbers out there in the newspaper, but it was a very successful investment overall, and Felix Stehling has made millions of dollars from it," Snell said.
Elliott Cappuccio, Vickers' San Antonio lawyer, is seeking to have the claims against his client thrown out on the grounds that Vickers is not a Texas resident and hasn't done business here.
According to Moody's court filings, in a typical deal Vickers would create a company, assign land and take a note on the property. STW Interests or Worth would then be offered ownership on the condition they provide additional cash to fund the loan.
"Vickers and Worth thereafter obtained additional notes on the property, ostensibly to further development, but in reality, that development either never occurred or occurred in ways that are not commensurate with the amount of the loan," a filing says.
Vickers also charged "exorbitant management fees that removed all available cash flow that could have been used to service the debt on the properties," the filing adds.
Guerra, one of Moody's lawyers, said during the March 19 court hearing that his firm hired a "financial expert" to analyze the transactions.
Wendy Kowalik, president of San Antonio financial-planning and consulting firm Predico Partners, said in a March 13 affidavit she spent at least 120 hours reviewing financial documents provided by Worth.
It "is clear to me that the transactions involving Jack Vickers and his entities resulted in financial losses and inequitable distributions favoring Jack Vickers and … James Worth, to the detriment of the Moody Plaintiffs' rights, finances, and entities, all of which were being directed and controlled by … Worth," Kowalik concluded.
Kowalik, in an interview, said Moody came to her to review his finances. When she discovered alleged improprieties, Moody retained the Watts Guerra law firm to represent him in the lawsuit. The firm then hired Kowalik — who detected the fraud committed by the ex-financial adviser for retired Spurs star Tim Duncan — to review Worth's documents, she said.
In a legal battle involving the estate of Taco Cabana founder Felix Stehling, attorneys for an heir hired financial planner Wendy Kowalik to review James Worth's oversight of estate assets. In this March 13 affidavit, Kowalik said Worth managed the assets to benefit himself and others, "to the detriment" of Stehling's heirs.
Cappuccio said he may challenge Kowalik's credibility if the claims against Vickers proceed, given the work she did for Moody before Watts Guerra hired her.
The three, 35-acre Telluride lots STW owns are listed for $5.6 million and carry $2.5 million in debt, Snell said. STW owns $2 million in Colorado water rights, he added.
STW also owns 63 percent of the remaining 25 lots in Castle Pines. Those lots have an asking price of more than $13 million and have about $2.7 million in debt on them, Snell said. The Supreme Meat building is valued at $1 million, he added.
"You just don't know when those things sell, especially the Telluride stuff, which is real, real high-end property that is unpredictable," Snell said. "The market comes and goes for it. It's located near where Tom Cruise and people like that have bought property." So it has the potential to bring millions, Snell added.
Snell painted a dire picture in a February letter to Moody's lawyers.
An exchange of letters in February revealed the bitterness between Lynn Moody, Taco Cabana co-founder Felix Stehling's stepson, and James Worth, the financial adviser who oversaw Stehling's assets.
"STW is effectively out of cash, and cannot meet the upcoming note payments on either the Telluride or the Castle Pine lots," Snell wrote. Worth had a deal to sell some lots to Vickers on the condition that Vickers be dropped from the lawsuit, Snell added. Moody hasn't agreed to drop the claims.
The litigation likely will upend efforts to achieve "considerable equity" through the sale of the properties, Snell said.
Worth made more than $2 million in loans to STW to help meet its debt obligations from 2016 to 2018, Snell added. Worth also has not received most of his management fees during that time.
None, if any, of the distributions to Worth caused the cash-flow problems, Snell said. He attributed the issues to the debts on the properties, internal STW debts, living expenses for the Stehlings up until their deaths and specific bequests made to beneficiaries who must be paid before Moody and any of his trusts.