We won't bother you with obnoxious car dealer ads about CRAZY DEALS and UNBELIEVABLE SAVINGS. Quite simply, at Balise we are number one in volume, number one in selection, and number one in price. Our atmosphere speaks for itself, and our friendly staff will show you right away that we are a little different than the usual car dealership. And as the largest dealer group in Rhode Island it's easy to ask one of our many satisfied customers. They will tell you why they come here too.
You will always find a welcoming smile, knowledgeable staff, convenient hours for both sales and service, a dedication to transparency in your purchasing decision, and of course our commitment to the Subaru Love Promise.
I personally invite you down to take a look around our gorgeous facility, have a cup of coffee, or just take a look at our great selection of inventory both new and pre-owned models. Give us a call today with any questions you may have at (401) 352-5909 or simply drop in to say hello.
Welcome to Balise Subaru, I know you will do better here.
From Newport to Providence, local Rhode Island drivers can find a place to call home for all their car related needs and services. That's because the team at Balise Subaru in Warwick is committed to meeting the needs of Ocean State drivers on a daily basis. As a new Subaru and used car dealership in Warwick, Rhode Island, Balise Subaru takes pride in offering all the car service and repairs, Subaru parts, and auto financing options you need to maintain your car for many years in the rough New England weather. Call us with questions at (401) 352-5909, or swing by 561 Quaker Lane, West Warwick, RI 02893, anytime.
This starts by providing a good stock of the new 2018 and 2019 Subaru cars and SUVs you want, with live market pricing, and our timely online inventory. In fact, you'll find plenty of online options to make your car shopping and services as simple as they can be.
You will find more than just new cars and SUVs at Balise Subaru. In fact, the high quality of our used cars in Warwick is something the staff here takes great pride in. Of course, every car is fully inspected before we accept it for sale. But we go a step further, by providing you with a free vehicle history report that gives details on any pre-owned car or SUV you consider. We understand that this investment is important; so we aim for transparency. You'll see, we will work to earn your trust every step of the way.
One thing that local drivers from surrounding areas we serve like Providence, Cranston, North Smithfield, Pawtucket RI, and Attleboro MA tell us matters is getting a good rate on an affordable car loan or Subaru lease. We've got you covered. Our in-house auto finance experts have access the Balise network of lenders. That means our options for crafting an auto loan that fits your lifestyle are numerous.
Then, once you have the Subaru Outback, Forester, Crosstrek, Impreza, WRX or used car you want, the Subaru service center in Warwick will still meet your needs. You can schedule appointments online or by phone for your oil changes, filter replacements, brake work or anything else to keep your vehicle running well far into the future. Or when you need a repair for a larger issue, our skilled team of Subaru trained technicians are the folks you want diagnosing your car and fixing any issues. What about parts for your Subaru SUV or car? Sure, we've got those too.
So, why bother to look elsewhere, when all your driving needs can be addressed here on Greenwich Bay, just off of I-95? Come see us at 561 Quaker Lane, West Warwick, RI 02893 from Providence, Cranston, Pawtucket, Smithfield RI, or Attleboro MA today.


text:
The Cognitive and Computational Neuroscience of Categorization, Novelty-Detec...
Published 5 years ago by Admin in Neuroscience Lectures
Google Tech TalksNovember, 15 2007ABSTRACTNeurocomputational models provide fundamental insights towardsunderstanding the human brain circuits for learning new associationsand organizing our world into appropriate categories. In this talk Iwill review the information-processing functions of four interactingbrain systems for learning and categorization:(1) the basal ganglia which incrementally adjusts choice behaviors using environmentalfeedback about the consequences of our actions,(2) the hippocampus which supports learning in other brain regions through the creation ofnew stimulus representations (and, hence, new similarityrelationships) that reflect important statistical regularities in theenvironment,(3) the medial septum which works in a feedback-loop withthe hippocampus, using novelty-detection to alter the rate at whichstimulus representations are updated through experience,(4) the frontal lobes which provide for selective attention and executivecontrol of learning and memory.The computational models to be described have been evaluated through a variety of empiricalmethodoligies including human functional brain imaging, studies ofpatients with localized brain damage due to injury or early-stageneurodegenerative diseases, behavioral genetic studies ofnaturally-occuring individual variability, as well as comparativelesion and genetic studies with rodents. Our applications of thesemodels to engineering and computer science including automated anomalydetection systems for mechanical fault diagnosis on US Navyhelicopters and submarines as well more recent contributions to theDoD's DARPA program for Biologically Inspired Cognitive Architectures(BICA).Speaker: Dr. Mark GluckMark Gluck is a Professor of Neuroscience at Rutgers University - Newark, co-director of the Rutgers Memory Disorders Project, and publisher of the public health newsletter, Memory Loss and the Brain. He works at the interface between neuroscience, psychology, and computer science, where his research focuses on the neural bases of learning and memory, and the consequences of memory loss due to aging, trauma, and disease. He is the co-author of "Gateway to Memory: An Introduction to Neural Network Models of the Hippocampus and Memory " (MIT Press, 2001) and a forthcoming undergraduate textbook, "Learning and Memory: From Brain to Behavior." He has edited several other books and has published over 60 scientific journal articles. His awards include the Distinguished Scientific Award for Early Career Contributions from the American Psychological Society and the Young Investigator Award for Cognitive and Neural Sciences from the Office of Naval Research. In 1996, he was awarded a NSF Presidential Early Career Award for Scientists and Engineers by President Bill Clinton. For more information, see http://www.gluck.edu.
Computational Neuroscience With Rajesh P. N. Rao And Adrienne Fairhall
Neuroscience 2013 Dialogues Between Neuroscience and Society: The Creative Culture
The Neuroscience of Emotions
11. Introduction To Neuroscience II
10. Introduction To Neuroscience I
Neuroscience&Relationship_Lecture 5
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redpajama_set_name: RedPajamaCommonCrawl


Aeolian dune topography arises from a highly non-linear interaction between sediment transport, topography, and boundary shear stress. To explore the growth of aeolian dunes under a variety of boundary conditions, a new surface model for aeolian bedform topography is adapted from a surface model of subaqueous bedform topography (Jerolmack and Mohrig, 2005). The resulting modeling framework approximates the dynamic motions of aeolian bedform topography driven by bedform field boundary conditions; namely, different distributions of sediment transport direction and investigating bedform growth with and without the constraint of a fixed sediment source area (modeled as a fixed elevation boundary). The rates at which modeled aeolian bedforms grow and morphologically mature are found to be highly sensitive to the chosen boundary conditions. Click on the image of the manuscript header to visit the journal's website and read more about this study.
The videos below show four permutations of two boundary conditions: uni- and bi-modal distributions of sediment transport direction are used to grow bedform topography with and without the constraint of a sediment source area. In these videos hot colors indicate higher topography and cooler colors indicate lower topography.
The aeolian bedform surface model code is malleable and readily modified for exploratory study of bedform topography that inherits morphological traits from aeolian bedform field boundary conditions. A version of the source code for these simulations is available from MATGEO. However, a newer version of this software will be made available via a public repository on GitHub, shortly.
Travis Swanson Blog at WordPress.com.


text:
Computational discovery of novel low micromolar human pregnane X receptor antagonists
Sean Ekins, Vladyslav Kholodovych, Ni Ai, Michael Sinz, Joseph Gal, Lajos Gera, William J. Welsh, Kenneth Bachmann, Sridhar Mani
Very few antagonists have been identified for the human pregnane X receptor (PXR). These molecules may be of use for modulating the effects of therapeutic drugs, which are potent agonists for this receptor (e.g., some anticancer compounds and macrolide antibiotics), with subsequent effects on transcriptional regulation of xenobiotic metabolism and transporter genes. A recent novel pharmacophore for PXR antagonists was developed using three azoles and consisted of two hydrogen bond acceptor regions and two hydrophobic features. This pharmacophore also suggested an overall small binding site that was identified on the outer surface of the receptor at the AF-2 site and validated by docking studies. Using computational approaches to search libraries of known drugs or commercially available molecules is preferred over random screening. We have now described several new smaller antagonists of PXR discovered with the antagonist pharmacophore with in vitro activity in the low micromolar range [S-p-tolyl 3′,5-dimethyl-3,5′-biisoxazole-4′-carbothioate (SPB03255) (IC50, 6.3 μM) and 4-(3-chlorophenyl)-5-(2,4-dichlorobenzylthio)- 4H-1,2,4-triazol-3-ol (SPB00574) (IC50, 24.8 μM)]. We have also used our computational pharmacophore and docking tools to suggest that most of the known PXR antagonists, such as coumestrol and sulforaphane, could also interact on the outer surface of PXR at the AF-2 domain. The involvement of this domain was also suggested by further site-directed mutagenesis work. We have additionally described an FDA approved prodrug, leflunomide (IC50, 6.8 μM), that seems to be a PXR antagonist in vitro. These observations are important for predicting whether further molecules may interact with PXR as antagonists in vivo with potential therapeutic applications.
https://doi.org/10.1124/mol.108.049437
Furylfuramide
Coumestrol
Azoles
Therapeutic Uses
pregnane X receptor
Ekins, S., Kholodovych, V., Ai, N., Sinz, M., Gal, J., Gera, L., ... Mani, S. (2008). Computational discovery of novel low micromolar human pregnane X receptor antagonists. Molecular Pharmacology, 74(3), 662-672. https://doi.org/10.1124/mol.108.049437
Computational discovery of novel low micromolar human pregnane X receptor antagonists. / Ekins, Sean; Kholodovych, Vladyslav; Ai, Ni; Sinz, Michael; Gal, Joseph; Gera, Lajos; Welsh, William J.; Bachmann, Kenneth; Mani, Sridhar.
In: Molecular Pharmacology, Vol. 74, No. 3, 09.2008, p. 662-672.
Ekins, S, Kholodovych, V, Ai, N, Sinz, M, Gal, J, Gera, L, Welsh, WJ, Bachmann, K & Mani, S 2008, 'Computational discovery of novel low micromolar human pregnane X receptor antagonists', Molecular Pharmacology, vol. 74, no. 3, pp. 662-672. https://doi.org/10.1124/mol.108.049437
Ekins S, Kholodovych V, Ai N, Sinz M, Gal J, Gera L et al. Computational discovery of novel low micromolar human pregnane X receptor antagonists. Molecular Pharmacology. 2008 Sep;74(3):662-672. https://doi.org/10.1124/mol.108.049437
Ekins, Sean ; Kholodovych, Vladyslav ; Ai, Ni ; Sinz, Michael ; Gal, Joseph ; Gera, Lajos ; Welsh, William J. ; Bachmann, Kenneth ; Mani, Sridhar. / Computational discovery of novel low micromolar human pregnane X receptor antagonists. In: Molecular Pharmacology. 2008 ; Vol. 74, No. 3. pp. 662-672.
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Aigner, Ernest and Baratech Sanchez, Lucia and Bernhardt, Desiree Alicia and Curnow, Benjamin and Hödl, Christian and Leonhardt, Heidi and Luo, Anran (2016) Sustainable Work. WWWforEurope, no 112. European Commission, bmwfw, Vienna.
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Amberger, Harald and Eberhartinger, Eva and Kasper, Helmut (2016) Tax-Rate Biases in Tax-Planning Decisions: Experimental Evidence. WU International Taxation Research Paper Series, 2016-01. WU Vienna University of Economics and Business, Universität Wien, Vienna.
Aspalter, Lisa (2016) Estimating Industry-level Armington Elasticities For EMU Countries. Department of Economics Working Paper Series, 217. WU Vienna University of Economics and Business, Vienna.
Bachtrögler, Julia (2016) On the effectiveness of EU structural funds during the Great Recession: Estimates from a heterogeneous local average treatment effects framework. Department of Economics Working Paper Series, 230. WU Vienna University of Economics and Business, Vienna.
Badinger, Harald and Bailey, David and De Properis, Lisa and Huber, Peter and Janger, Jürgen and Kratena, Kurt and Pitlik, Hans and Sauer, Thomas and Thillaye, Renaud and van den Bergh, Jeroen (2016) New Dynamics for Europe: Reaping the Benefits of Socio-ecological Transition. Part II: Model and Area Chapters, Synthesis Report, Final Version. WWWforEurope. European Commission, bmwfw, Vienna, Brussels.
Barakat, Bilal and Crespo Cuaresma, Jesus (2016) Credit Where Credit Is Due: An Approach to Education Returns Based on Shapley Values. Department of Economics Working Paper Series, 228. WU Vienna University of Economics and Business, Vienna.
Bauer, Stefan (2016) The Role of Information Security Awareness for Promoting Information Security Policy Compliance in Banks. Doctoral thesis, WU Vienna University of Economics and Business.
Berger, Ulrich (2016) Learning to trust, learning to be trustworthy. Department of Economics Working Paper Series, 212. WU Vienna University of Economics and Business, Vienna.
Berger, Ulrich and De Silva, Hannelore and Fellner-Röhling, Gerlinde (2016) Cognitive Hierarchies in the Minimizer Game. Department of Economics Working Paper Series, 211. WU Vienna University of Economics and Business, Vienna.
Biberhofer, Petra and Wlasak, Petra and Bernhardt, Johanna (2016) Die österreichischen Regionalen Zentren für Expertise für Bildung für nachhaltige Entwicklung als transdisziplinäre Plattformen des Wandels. Socience - Journal of Science-Society Interfaces, 1 (1). pp. 15-31.
Crespo Cuaresma, Jesus and Danylo, Olha and Fritz, Steffen and McCallum, Ian and Obersteiner, Michael and See, Linda (2016) Economic Development and Forest Cover: Evidence from Satellite Data. Department of Economics Working Paper Series, 215. WU Vienna University of Economics and Business, Vienna.
Crespo Cuaresma, Jesus and Klasen, Stephan and Wacker, Konstantin M. (2016) There is poverty convergence. Department of Economics Working Paper Series, 213. WU Vienna University of Economics and Business, Vienna.
Crespo Cuaresma, Jesus and Kubala, Jozef and Petrikova, Kristina (2016) Does income inequality affect aggregate consumption? Revisiting the evidence. Department of Economics Working Paper Series, 210. WU Vienna University of Economics and Business, Vienna.
Dearing, Helene (2016) Parental leave policies and the gender division of housework. Studying the association between different leave indicators and the unexplained gender gap in housework. Working Papers / Institut für Sozialpolitik, 01/2016. Institut für Sozialpolitik, WU Vienna University of Economics and Business, Vienna.
Dieter, Armin (2016) A broader perspective on the European Raw Materials Initiative. Doctoral thesis, WU Vienna University of Economics and Business.
Dömötör, Rudolf and Fassl, Lisa-Marie (2016) European Startup Monitor - Country Report Austria 2015. WU Gründungszentrum, Wien.
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Fassl, Lisa-Marie and Schott, Martin and Greussing, Esther and Mahdalik, Lilli and Zelisko, Angelika and Dömötör, Rudolf (2016) Austrian University Female Founders Report 2016. Wissenstransferzentrum Ost, WU Wien, Universität Wien, Universität für angewandte Kunst, Female Founders, Wien.
Feldkircher, Martin and Huber, Florian (2016) Adaptive Shrinkage in Bayesian Vector Autoregressive Models. Department of Economics Working Paper Series, 221. WU Vienna University of Economics and Business, Vienna.
Feldkircher, Martin and Huber, Florian (2016) Unconventional US Monetary Policy: New Tools, Same Channels? Department of Economics Working Paper Series, 222. WU Vienna University of Economics and Business, Vienna.
Fessler, Pirmin and Schneebaum, Alyssa (2016) The Returns to Preschool Attendance. Department of Economics Working Paper Series, 233. WU Vienna University of Economics and Business, Vienna.
Fichet de Clairfontaine, Aurélien and Hammer, Christoph (2016) Trade Costs and Income in European Regions: Evidence from a regional bilateral trade dataset. Department of Economics Working Paper Series, 220. WU Vienna University of Economics and Business, Vienna.
Fischer, Manfred M. and Pintar, Nico and Sargant, Benedikt (2016) Austrian Outbound Foreign Direct Investment in Europe: A spatial econometric study. Working Papers in Regional Science, 2016/01. WU Vienna University of Economics and Business, Vienna.
Frerichs, Sabine (2016) Die Prinzipien des Welthandels. Freihandel versus Protektionismus, Online-Dossier. pp. 1-7.
Froschauer, Ulrike and Lueger, Manfred (2016) Artefact Analysis in Organisational Research. Discussion Paper Series / Center for Empirical Research Methods, 2016/02. WU Vienna University of Economics and Business, Vienna.
Ghislandi, Simone and Kuhn, Michael (2016) Asymmetric information in the regulation of the access to markets. Department of Economics Working Paper Series, 219. WU Vienna University of Economics and Business, Vienna.
Glötzl, Florentin and Rezai, Armon (2016) A sectoral net lending perspective on Europe. Ecological Economic Papers, 12. WU Vienna University of Economics and Business, Vienna.
Goujon, Anne and Weber, Daniela and Loichinger, Elke (2016) Demographic Profile of the Arab Region: Realizing the Demographic Dividend. Economic and Social Commission for Western Asia (ESCWA), United Nations, Beirut.
Gruszka, Katarzyna (2016) Framing the Collaborative Economy. Ecological Economic Papers, 11. WU Vienna University of Economics and Business, Vienna.
Gruszka, Katarzyna and Scharbert, Annika Regine and Soder, Michael (2016) Changing the world one student at a time? Uncovering subjective understandings of economics instructors' roles. Ecological Economic Papers, 7. WU Vienna University of Economics and Business, Vienna.
Gugler, Klaus and Haxhimusa, Adhurim (2016) Cross-Border Technology Differences and Trade Barriers: Evidence from German and French Electricity Markets. Department of Economics Working Paper Series, 237. WU Vienna University of Economics and Business, Vienna.
Gugler, Klaus and Haxhimusa, Adhurim and Liebensteiner, Mario (2016) Integration and Efficiency of European Electricity Markets: Evidence from Spot Prices. Department of Economics Working Paper Series, 226. WU Vienna University of Economics and Business, Vienna.
Gugler, Klaus and Haxhimusa, Adhurim and Liebensteiner, Mario and Schindler, Nora (2016) Investment under Uncertainty in Electricity Generation. Department of Economics Working Paper Series, 234. WU Vienna University of Economics and Business, Vienna.
Gugler, Klaus and Heim, Sven and Liebensteiner, Mario (2016) Non-Sequential Search, Competition and Price Dispersion in Retail Electricity. Department of Economics Working Paper Series, 225. WU Vienna University of Economics and Business, Vienna.
Gugler, Klaus and Liebensteiner, Mario (2016) Productivity Growth and the General X-factor in Austria´s Gas Distribution. Department of Economics Working Paper Series, 236. WU Vienna University of Economics and Business, Vienna.
Hoisl, Bernhard and Sobernig, Stefan (2016) A Survey on Documenting and Using Design Rationale when Developing Domain-specific Modeling Languages. Technical Reports / Institute for Information Systems and New Media, 2016/01. WU Vienna University of Economics and Business, Vienna.
Huber, Florian and Kastner, Gregor and Feldkircher, Martin (2016) Should I Stay or Should I Go? Bayesian Inference in the Threshold Time Varying Parameter (TTVP) Model. Research Report Series / Department of Statistics and Mathematics, 130. WU Vienna University of Economics and Business, Vienna.
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Huber, Florian and Kaufmann, Daniel (2016) Trend Fundamentals and Exchange Rate Dynamics. Department of Economics Working Paper Series, 214. WU Vienna University of Economics and Business, Vienna.
Huber, Florian and Punzi, Maria Teresa (2016) International Housing Markets, Unconventional Monetary Policy and the Zero Lower Bound. Department of Economics Working Paper Series, 216. WU Vienna University of Economics and Business, Vienna.
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Lábaj, Martin and Morvay, Karol and Silanic, Peter and Weiss, Christoph and Yontcheva, Biliana (2016) Market Structure and Competition in Transition: Results from a Spatial Analysis. Department of Economics Working Paper Series, 218. WU Vienna University of Economics and Business, Vienna.
Malinova, Monika (2016) A Language for Designing Process Maps. Doctoral thesis, WU Vienna University of Economics and Business.
Müller, Julia and Schwieren, Christiane and Spitzer, Florian (2016) What Drives Destruction? On the Malleability of Anti-Social Behavior. Department of Economics Working Paper Series, 238. WU Vienna University of Economics and Business, Vienna.
Niemann, Rainer and Sureth-Sloane, Caren (2016) Does Capital Tax Uncertainty Delay Irreversible Risky Investment? WU International Taxation Research Paper Series, 2016-05. WU Vienna University of Economics and Business, Universität Wien, Vienna.
Nowak, Thomas and Lechner, Gernot (2016) Life-Cycle Planning in Closed-Loop Supply Chains: A Study of Refurbished Laptops. WU Vienna University of Economics and Business, Vienna.
Pierk, Jochen (2016) Are Private Firms Really More Tax Aggressive Than Public Firms ? WU International Taxation Research Paper Series, 2016-02. WU Vienna University of Economics and Business, Universität Wien, Vienna.
Polzer, Tobias (2016) Manifestationen von Verwaltungsparadigmen in den Reformen des österreichischen Bundeshaushaltsgesetzes. Doctoral thesis, WU Vienna University of Economics and Business.
Prettner, Catherine (2016) Nonlinearities and Parameter Instability in the Finance-Growth Nexus. Department of Economics Working Paper Series, 224. WU Vienna University of Economics and Business, Vienna.
Rabitsch, Katrin and Schoder, Christian (2016) Buffer stock savings in a New-Keynesian business cycle model. Department of Economics Working Paper Series, 231. WU Vienna University of Economics and Business, Vienna.
Rao, Narasimha D. and Sauer, Petra and Pachauri, Shonali (2016) Explaining Income Inequality Trends in Countries: An Integrated Approach. INEQ Working Paper Series, 2. WU Vienna University of Economics and Business, Vienna.
Rezai, Armon (2016) Demand and Distribution in Integrated Economies. Ecological Economic Papers, 10. WU Vienna University of Economics and Business, Vienna.
Rezai, Armon and Van der Ploeg, Frederick (2016) Cumulative Emissions, Unburnable Fossil Fuel and the Optimal Carbon Tax. Ecological Economic Papers, 8. WU Vienna University of Economics and Business, Vienna.
Rusch, Thomas and Hornik, Kurt and Mair, Patrick (2016) Assessing and quantifying clusteredness: The OPTICS Cordillera. Discussion Paper Series / Center for Empirical Research Methods, 2016/1. WU Vienna University of Economics and Business, Vienna.
Sauer, Petra (2016) The Role of Age and Gender in Education Expansion. INEQ Working Paper Series, 4. WU Vienna University of Economics and Business, Vienna.
Schneebaum, Alyssa and Rehm, Miriam and Mader, Katharina and Hollan, Katarina (2016) The Gender Wealth Gap Across European Countries. Department of Economics Working Paper Series, 232. WU Vienna University of Economics and Business, Vienna.
Schoiswohl, Florian and Wüger, Michael (2016) A Representative Matched Cross-section Survey for Austria - Measuring Worker Flow Dynamics with the Austrian Labour Force Survey. Department of Economics Working Paper Series, 223. WU Vienna University of Economics and Business, Vienna.
Schroll, Iris (2016) M&A in the public sector. Cultural dimensions of integration in a domestic merger. Doctoral thesis, WU Vienna University of Economics and Business.
Spash, Clive L. (2016) The Paris Agreement to Ignore Reality. SRE - Discussion Papers, 2016/01. WU Vienna University of Economics and Business, Vienna.
Spash, Clive L. and Gattringer, Clemens (2016) The Economics and Ethics of Human Induced Climate Change. SRE - Discussion Papers, 2016/02. WU Vienna University of Economics and Business, Vienna.
Spash, Clive L. and Theine, Hendrik (2016) Voluntary Individual Carbon Trading. SRE - Discussion Papers, 2016/04. WU Vienna University of Economics and Business, Vienna.
Süss-Reyes, Julia and Fuetsch, Elena and Keßler, Alexander and Frank, Hermann (2016) Erfolgsfaktoren landwirtschaftlicher Familienbetriebe in Niederösterreich.
Tiefenbacher, Guenter (2016) Zwingendes Recht im Vertragsrecht: Eine allgemeine und rechtsökonomische Untersuchung unter besonderer Berücksichtigung der Sachmängelgewährleistung. Doctoral thesis, WU Vienna University of Economics and Business.
Tondl, Gabriele (2016) Interest rates, corporate lending and growth in the Euro Area. Department of Economics Working Paper Series, 227. WU Vienna University of Economics and Business, Vienna.
Tödtling, Franz and Sinozic, Tanja and Auer, Alexander (2016) Knowledge bases, multi-scale interaction and transformation of the Vienna medical cluster. SRE - Discussion Papers, 2016/03. WU Vienna University of Economics and Business, Vienna.
Wieland, Hanspeter and Giljum, Stefan (2016) Carbon footprint decomposition in MRIO models: identifying EU supply-chain hot spots and their structural changes over time. Ecological Economic Papers, 13. WU Vienna University of Economics and Business, Vienna.
This list was generated on Fri Apr 19 03:04:24 2019 CEST.


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Матет ()  —  муниципалитет в Испании, входит в провинцию Кастельон в составе автономного сообщества Валенсия (автономное сообщество). Муниципалитет находится в составе района (комарки) Альто-Палансия. Занимает площадь 14,90 км². Население — 114 человек (на 2010 год). Расстояние до административного центра провинции — 14 км.

Население

Примечания

Ссылки
 Peña El Perrudo

 Instituto Valenciano de Estadística
 Federación Valenciana de Municipios y Provincias — Guía Turística

Муниципалитеты Кастельона

redpajama_set_name: RedPajamaWikipedia


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Trading Standards and environmental health
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Livewell client of the month for January
Livewell client of the month - January
Colin Robbins is the Livewell client of the month for January 2022
Colin Robbins from Oakwood is proof that you can stay active and healthy as you age. Nine months after joining Livewell he's at his physical peak, shedding three and a half stone and reducing his obese body mass index (BMI) to a healthy range.
Like most of us, Colin's weight didn't become an issue until his late twenties when he found he could no longer eat what he wanted without putting on weight. From then the pounds steadily crept on until he reached his highest weight of 115 kilos.
Things finally came to a head at a routine doctor's appointment. Hearing that his blood pressure was dangerously high - placing him at an increased risk of a heart attack or stroke - gave Colin the wake- up call he needed to take action and to join Livewell's weight management programme.
Colin said:
The shock of being told that I could develop serious health problems made me re-evaluate my lifestyle. Although I was fairly active it wasn't enough to burn off the excessive fatty and salty foods I was eating. With my weight at an all time high, I struggled to walk briskly or do any exercise that would make a difference. My knees ached and my foot hurt whenever I tried, partly due to the pressure on my joints from carrying the extra pounds.
High blood pressure and cholesterol runs in my family but when you know you can control these to some extent with lifestyle changes, then it seems a good idea to try. Thanks to Livewell's healthy eating resources and guidance I transformed the way I ate, cutting out salty and fatty processed foods and reading labels and packages more carefully.
As well as diet support, my advisor, Joe designed an exercise programme for me that I could do in the gym or at home, which worked well in between lockdowns and during COVID-19 restrictions. Through a mix of cardio and strength I aim for 30 minutes of moderate activity every day, and I'm proud to say I haven't missed a single session since February.
As you get older, it's easy to think that it's too late to change but honestly, I've never felt so good. With lockdown there was a long gap between family and friends seeing me. They could hardly believe it when they did!"
Learn more about how Livewell can help you change your life in 2022 by visiting the Livewell website.
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Hosted by author/speaker Lynette Lewis, author of "Climbing the Ladder in Stilettos," this quarterly event brings together women of all vocations in a setting of dynamic speakers, facilitated networking, and super-charged inspiration.
September's event will feature special guest Samantha Jo Alonso, founder of FRUITION retail store in Las Vegas, and popular Instagrammer, philanthropist, and fitness guru.
She is Free creates a safe and intimate environment where women can encounter God, experience personal transformation and step into freedom - spirit, soul and body. With your host Andi Andrew and special guests Havilah Cunnington, Heather Lindsey, Dr. Caroline Leaf and Nicole Reyes.
The True Beauty Annual Women's Conference was birthed out of a desire to equip and propel women to live a life of purpose personally and professionally.
Ogo Ekweozor-Holley, founder of OGONEWYORK, a women's wear lifestyle brand saw a need for an affordable event curated with the sole purpose of bringing together movers and shakers, along with industry leaders and CEOs to share personal stories, game-changing secrets and tips they have learned along the way to fellow women. Celebrity guest Angela Simmons will speak along with other industry leaders.


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United States v. Cariani
PETER JAMES CARIANI, Defendant.
LARRY R. HICKS, UNITED STATES DISTRICT JUDGE
Defendant Peter James Cariani has filed a motion to suppress the fruits of four search warrants executed on his email addresses, the email addresses of his girlfriend and brother, and his home residence. (ECF No. 30). Approximately a month after Cariani filed his motion, he filed an additional motion, this time seeking to suppress statements he made during an FBI interview and evidence recovered stemming from that interview. (ECF No. 36). The government filed a consolidated response to Cariani's motions. (ECF No. 40). For the reasons stated below, the Court will deny Cariani's motions to suppress.
I. Factual Background
The following facts and allegations are gathered from the various pleadings and exhibits on the docket. Cariani is an engineer by trade who worked for Sierra Nevada Corporation ("SNC"), a defense contractor headquartered in Sparks, Nevada, from 2012 to April 2015. Among other products, SNC designs and develops a specialized aircraft radar system known as REVS. REVS provides pilots with digital images of the ground, which allows them to safely land aircraft in low visibility situations. While REVS was originally designed for use on military helicopters during the War on Terror in Afghanistan, SNC saw a potential market for selling REVS for use on commercial fixed-wing aircraft. SNC believed that REVS would be useful for large cargo planes and corporate jets attempting to land in bad weather conditions at smaller airports lacking the sophisticated landing technology of their larger counterparts. SNC has devoted substantial resources into developing a commercial REVS product and considers it to be a trade secret and proprietary information not known to the general public.
Cariani was hired by SNC in 2012 as a Principal Systems Engineer to work in the fixed-wing division of its commercial REVS program. During his employment at SNC, Cariani held a "Secret" level security clearance. Cariani eventually submitted his resignation letter to SNC on April 7, 2015, which contained several complaints about SNC and its leadership. Cariani alleges that he resigned following disputes with SNC management about the direction of his REVS division, but the government alleges that Cariani's dissatisfaction with SNC stems from him being disciplined for unprofessional behavior. Following Cariani's resignation, on April 16, SNC corporate security discovered that approximately 12, 000 REVS-related files had been copied from Cariani's SNC-issued laptop to two USB flash drives not approved by SNC. A little over a week later on April 24, Cariani participated in a telephonic exit interview with SNC after refusing an in-person interview. When asked by SNC personnel whether he had transferred any files from his SNC laptop to unapproved external storage devices, Cariani stated that he could not recall if he had done so prior to SNC prohibiting the practice. Further questioning from SNC personnel about the file transfers prompted Cariani to abruptly hang up the phone.
A. First Motion to Suppress - Search Warrants
The government subsequently initiated a criminal investigation into Cariani to determine if he had stolen any of SNC s trade secrets related to the REVS program. Investigation revealed that in March 2015, Cariani and his girlfriend, Alisa Bindel, had booked a flight to Italy scheduled to depart in late May 2015. While Bindel had traveled to Europe several times before, Cariani had not. Cariani used an email account from Apple (carianip@me.com) to book the flight. On May 26, 2015, FBI Special Agent Sean Jolley applied for a search warrant from this Court to search Cariani's "carianip" email account for various terms related to Cariani and the REVS program, such as "REVS," "source code," "internal research and development," and the names of both Cariani and Bindel. Agent Jolley also included general information about email accounts in the affidavit attached to his search warrant application, noting that email was often used by foreign governments and businesses to obtain trade secret information. U.S. Magistrate Judge William G. Cobb reviewed Agent Jolley's search warrant, affidavit, and the attached exhibits and granted the warrant.
The search warrant resulted in the discovery of three additional Apple email accounts belonging to Cariani. Agent Jolley applied for and was granted a second search warrant for these three email accounts. The second search warrant, inter alia, revealed a document indicating that Cariani had business plans to sell technology similar to REVS to SNC's customers, which included similar pricing and cost specifications. Subsequent search warrants were granted for email addresses belonging to Keith Cariani (Cariani's brother) and Bindel and for a search of Cariani's home.
B. Second Motion to Suppress - FBI Interview
The Court held an evidentiary hearing on July 29, 2019, regarding Cariani's motion to suppress evidence obtained in an interview he had with the FBI on October 21, 2015, at the Boston Logan International Airport. During the hearing, the Court heard testimony from three individuals: FBI agents Timothy Darling and Emilie Stallings and Cariani himself. Agent Darling, the airport liaison agent coordinator for the FBI at Logan International, testified that he was tasked with meeting Cariani at his airline arrival gate to try to set up a meeting between Cariani and two other FBI agents. Although Agent Darling testified that he did not have any specific memory of his encounter with Cariani, he stated that when he meets with someone whom the FBI wants to interview, he asks the interviewee if he has any time to meet with a "couple of colleagues." If someone refuses to meet with them, Agent Darling allows the individual to leave and asks if they would be willing to schedule a meeting or a phone call at a different time. He does not place his hands on any interviewees, nor does he ever raise his voice. Agent Darling testified that if the interviewee accepts the interview offer, he escorts them through the public terminal and to the FBI office, which is located in a section of the airport only accessible to airport employees and government personnel. Agent Darling stated that he never puts his hands on someone he accompanies to the FBI office, nor does he ever restrict their movement on the way there. If something unusual happened in the course of Agent Darling's meeting with Cariani, such as Cariani becoming upset or acting belligerently, he would have remembered it. As far as Agent Darling remembered, Cariani accepted the interview offer and accompanied him to the FBI office without incident.
Agent Stallings testified about her interview with Cariani on October 21, 2015, and her subsequent interaction with him the following day. She testified that she and Agent Joshua Cook, who were both based out of Boston at that time, interviewed Cariani on behalf of Agent Jolley. The interview took place in a conference room in the FBI office at Logan International, which Agent Stallings described as well-lighted. Agents Stallings and Cook sat across a conference table from Cariani and conducted what would turn out to be approximately an hour and a half interview. Cariani was seated between the agents and the door leading out of the conference room. Agent Stallings testified that she and Agent Cook did have firearms on them, but they were concealed by their clothing. Agent Stallings was wearing business attire, while Agent Cook was wearing business casual.
Agent Stallings testified that Cariani appeared alert and answered their questions with clear speech and without impairment during the interview. At no time did the agents tell Cariani that he was under arrest or that he was not free to leave. Agent Stallings testified that Cariani asked her and Agent Cook why he was being investigated several times, but they did not give him a specific answer. At no time did Cariani request to leave or otherwise express a desire to terminate the interview. The agents eventually asked for Cariani's consent to search any electronic devices he had on hand, and Cariani initially agreed to allow his laptop, iPad, and two USB flash drives to be searched. But when it came time to sign the consent forms, Cariani changed his mind and only gave the agents permission to search his two USB drives. Following the signing of the consent forms, the agents offered to drive Cariani to bus stop in Braintree (a suburb of Boston) where his parents were waiting to pick him up. Cariani accepted the offer, and the agents drove him to the Braintree bus stop without any conversation or incident.
The following day (October 22, 2015), Agent Stallings received word from Agent Cook that Cariani had changed his mind again and wished to give the FBI consent to search his iPad and laptop. Agent Stallings traveled to one of Cariani's rental properties in Framingham along with another agent. Once there, Cariani showed the agents some files on his computer, and in Agent Stallings's words, "rambled" about stealing "something from SNC." Cariani then signed written consent forms to search his laptop and iPad. The entire meeting at Cariani's rental property lasted about 30 minutes.
Cariani's testimony varied greatly from the testimony given by Agents Stallings and Darling. He testified that immediately after he disembarked from his flight, "two men approached him from behind" and showed him their badges identifying themselves as law enforcement. Because he believed that he had no choice but to go with them, Cariani allowed himself to be escorted by the law enforcement officers, with one officer in front of him and one officer behind him. Cariani testified that he was escorted to the conference room in a manner similar to how he believed prisoners of war are escorted by the Marines, but on cross, he conceded that while in the Marines, he had never actually escorted a prisoner of war. When he arrived in the conference room and was greeted by Agents Stallings and Cook, Cariani testified that he believed that he did not have a choice but to answer the questions the agents wanted to ask him, and he also did not feel that he could terminate the encounter. He never asked the agents if he had the option of doing either, however. Although Cariani did not see any firearms, he assumed that Agents Stallings and Cook were armed. Cariani testified that throughout the interview, he repeatedly stated how concerned he was about making his "elderly" parents wait for him at the Braintree bus stop at night, but in response, the agents only told him that the questioning would be "over quickly." Cariani stated that prior to starting the interview, he called his parents and told them what was happening.
After the agents drove him to the Braintree bus stop, Cariani testified that he called his brother, and following this conversation, became "convinced" that the FBI had been tapping their phones. He also called his girlfriend, Bindel, and learned that she had been interviewed by the FBI as well. Cariani stated that he was dealing with "the mob," who he believed was trying to ruin his life by destroying his relationships with his family and friends and interfere with his job prospects. He testified that the FBI was a "United States government agency that has how [sic] much power they want, and they're after me, and they can do whatever damage to my life they want to." The same night as his interview with Agents Stallings and Cook, Cariani left Agent Jolley three voicemails, wherein he stated his intent to allow the FBI to search his laptop and iPad.
Cariani was eventually indicted by a grand jury on July 26, 2017, with one count of theft of stolen trade secrets and one count of transmission of trade secrets, both in violation of 18 U.S.C. §1832(a)(2). Cariani filed two motions to suppress, one on April 19, 2019 (ECF No. 30) and one on May 18 (ECF No. 36). The first motion to suppress seeks to suppress the fruits of the first search warrant targeting Cariani's "carianip" Apple email. The second motion to suppress seeks to suppress statements ...


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Society Magazine
Prata's Potpourri- Vintage Christmas Photos, the Friendly Agnostic, Panspermia, Pop Culture Christmas Cards, and More
By Elizabethprata @elizabethprata
Potpourri: a combination of incongruous items.Jeopardy! Potpourri: a category of game show answers collected from unpicked clues in previous games.
Prata's Potpourri: a collection of links to interesting and quirky articles.
10 Rare, Vintage Photos of Christmases Past That Will Make You Feel Warm and Fuzzy Inside
If the past is a different country, as the saying goes, we invite you to take a trip via these charming images to celebrate the holidays in a simpler, smaller place.
The Inspiring Story of the Friendly Agnostic
My friend James Bell wrote:
And did you ever hear of the HAVEN OF REST Quartet... for years they had a radio broadcast... I never heard of them or of it... but A MUSIC LOVING AGNOSTIC DID!
And she wrote them, complemented them on their fine music and for the fact that they never asked for money. She told them that she 'was not one of them'... that she was AGNOSTIC and would never become a Christian; and therefore, certainly did not want anyone contacting her. Thus gave no name or address... only signed her letter as... THE FRIENDLY AGNOSTIC.
She said that she did have one request.... but since she was not one of them... she would understand if they did not honor it... she said she always listened on Mondays... and that of all the songs the Quartet sang... one above all others was her favorite... maybe on some Monday they could sing it again--- "There is a Fountain Filled with Blood!"
WHEN THE QUARTET received the Agnostic's letter... they prayed and decided to sing "There is a Fountain Filled with Blood" EVERY MONDAY! As the year went forward... the Agnostic... wrote letters...finally giving her name and address... and a number of months, SHE WAS FULLY CAPTURED by the amazing grace of God!
Apparently preserved by the narrator of those Haven of Rest programs is the story and a reading of the letters. Listen to the quartet... and listen to EACH OF THE AGNOSTIC'S LETTERS being read... this is an amazing story!
Note: You can listen while you are doing other things... and then give full attention when the various letters are being read!
A Geeky Collection of Pop Culture Christmas Cards by P.J. McQuade Featuring Movie Characters
Brooklyn, New York-based illustrator P.J. McQuade has created new geeky collection of Christmas cards and ornaments for 2015 featuring pop culture characters from movies. McQuade features memorable characters from Star Wars: The Force Awakens, Mad Max: Fury Road, Ghostbusters, Step Brothers, and more. They are all available to purchase online from Etsy.
Double facepalm moment of the month: we're all just sperm-spatter?
Panspermia Theory Mars
A theory called panspermia, which dates back to the 5th century BC, posits that certain life forms can hop between planets, and even star systems, to fertilize them with life. Following this theory, some scientists suspect that the first life on Earth never formed on our planet at all, but instead, hitched a ride inside planetary fragments from Mars that were flung into space after a powerful impact and eventually fell to Earth. We could be the aliens!
Because of course that's not how it happened
For photographers, here is a link to a page showing inspiring or interesting Instagram streams. Lots to look at.
20 Absolutely Fascinating Instagram Accounts Every Photography Lover Should Follow
~~~~~~~~~~~~~~~~~~~~This is hilarious and totally adorable.
A new amusing holiday-themed commercial for Fresh Pet features cats and dogs dressed as elves. The adorable workers diligently keep lists, build toys and wrap gifts, each with a set of handy human hands to keep the line moving along for Santa. With each share of the video, Fresh Pet is also donating meals to animals who need them. For each share of this video, Freshpet will donate one fresh meal to a pet in need from our network of pet rescues and shelters.
Elizabethprata 30134 shares View profile
Pointing You to My Wordpress Blog at The-end-time.org
Jesus Drank the Waters of Fury
Is Your 'check Engine' Light On?
Kay Cude Poetry: Joy
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The West Mountain player of the week was named Anthony Mathis after scoring 27 points to lead New Mexico to 85-58 victory over UNR. It averages 16.4 points for the season, making 44.2 percent of its 3 points. Kris Clyburn and Amauri Hardy UNLV are combined with 24.2 average points.
Joel Ntambwe the Rebels is paying a great deal of attention to the 2012-year-old convention of the Year, reaching a 31-point performance, a 10-rebound against Wyoming. It measures 12.4 points and 6.1 rebounds and is shooting 40.4 percent from a 3 point range. The Lobos is a huge part of the Carlton Bragg transfer (10.2 points, 8.2 rebounds).
The coach is not really successful in New Mexico, Paul Weir, which means that everyone helps in a significant way. It is a great advantage, especially at height. The UNLV can also go much into the bench, and back to Mbacke Diong (6.4 points, 6.6 rebounds).
UNLV could find the Lobos still celebrating its victory over UNR. It is difficult to imagine with New Mexico, which had no demonstration signs until it was a power of conferencing power, which would be duplicated on that type of performance.
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Dr. Trecartin was born and raised in Clinton, New Jersey and often helped at the office throughout high school and college. She earned her Bachelor of Science in Biological Engineering from Cornell University and Doctor of Dental Medicine from Rutgers School of Dental Medicine. Dr. Trecartin was inducted into Omicron Kappa Upsilon, the Dental Honor Society.
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landscape on American Routes, a public radio show from New Orleans.
With blues and roots rock; ragtime and jazz; gospel and soul; zydeco and beyond.
Also stories and conversations with musicians, both known and unknown.


text:
Jazz Ensemble performs fresh tunes
(Left to right) Seniors Ethan Lehman, Kyle Herke, Joe Boksa, Matt Kertes and junior Gabe Glover take part in an impromptu performance at the Nickel Plate Amphitheater prior to a school performance of A Midsummer Night's Dream, on May 13. Photo used with permission of Elise Herke.
A group strung together by high and low notes played on all different instruments, the Fishers Jazz Ensemble will perform in the fall play and other school events and competitions.
"I've only been in Jazz Ensemble for one year," sophomore Zachary Schulz said. "It has been a lot of fun, and I've met some of my best friends."
The type of music played by Ensemble is what makes it different from other band classes. Marching band and concert band have the same consistency and tone to all of the music, whereas ensemble varies its style.
"When people think of jazz, they think boring music," Schulz said. "In reality, it is an exciting roller coaster of music with pizazz. It is spicy, sour and sweet all in one."
Jazz Ensemble is just like another class. It takes place every first period in the orchestra room. The members prepare for upcoming performances during the period, according to Schulz.
"Practicing and being with my friends is the best part about it," Schulz said. "It is a load of fun, and we would love for everybody to become a part of our musical ride."
The Jazz Ensemble will have a concert on November 20. For more information on time and tickets, click here.


text:
Canadian insurers show resilience against difficult market conditions
''Enormous changes" to market conduct rules may be on the horizon
PPI strikes strategic alliance with ATB Investor Services
Restricted farm losses – Chief income source rule reinstated
Government scrutiny of 10-8 insurance programs
Deductibility of securities trading losses
Holographic Wills
Exercise and the medical expense tax credit
Whether a gift to an executor is taxable compensation
Discharge of a deceased bankrupt
RRSPs, RRIFs and insolvent estates
Deducting moving expenses
Appealing penalties for unreported income
RRSP mortgages and interest deductibility
Deductibility of business clothing expenses
by Kate McCaffery June 18, 2013 06:48 p.m.
Canadian life and health insurance companies have pulled out more than a few surprises, along with a lot of the stops in recent years. You might even describe them as being somewhat nimble in response to the shocks threatening company balance sheets.Regulatory pressures, economic pressures, and plain old growth constraints, have all lined up to swing at the industry's carriers. In turn, the companies have shown a fair measure of resilience.
As it turns out, carriers have more pricing power than was previously assumed. The market also seems willing to accept the complete restructuring of product and business lines alike.
Other themes have shifted in the meantime. International business is one example, as long-held enthusiasm about expansion in Asia begins to temper a little. Regulatory capital requirements are another example, as the industry waits for new guidelines that might ease business pressures considerably for some companies.
Interest rates, low interest rates in particular, are one of the industry's biggest challenges, the catalyst for product, and business restructuring, risk management, and cost containment efforts that have become a priority for senior executives charged with the task of delivering on profitability objectives.
Restructuring and risk shifting
Since 2010, companies have been "de-risking" their holdings in a number of different ways. Variable annuity business lines in the United States have been shut down, then sold off in some cases. Product restructuring, and price hikes, meanwhile, are widespread across the industry.
One large task has been to restructure the risk related to legacy products that companies have already sold, primarily by hedging. Robert Sedran, executive director of financial services equity research at CIBC World Markets, says incremental hedging of in-force business is largely complete for most insurance companies at this point.
Although hedging lowers a company's overall risk profile, the effort does not come without some operational risk. "These are not uncomplicated hedges," he says. It's as much a strategic decision as anything they've ever done. You're transforming the nature of your in-force block in a lot of ways. The risks to getting it wrong are simply too high. I don't think you can overstate the importance of what's been going on for the past two years."
He says the amount of work that companies needed to do, depended on their individual risk profiles at the start of the financial crisis. Manulife Financial, for example, "entered the crisis with the most risk on, so they had the most to do, but everyone's been doing it to a certain degree," he adds. "Some (product) features were never perfectly hedgeable, so you've had to redesign the products a little bit, as well."
As for product pricing, he says all companies have been moving in the same direction, but again, the magnitude of the moves needed, "depended on the risk profile you had coming in."
Price hikes
Re-pricing efforts, and overall market conditions have created a few obvious sales trends in the industry. Tom MacKinnon, managing director at BMO Capital Markets, says following several rounds of universal life (UL) product re-pricing, UL product sales have declined (market conditions have contributed to the trend), while companies have started increasing their sales of participating life insurance product.
He adds that adjustable insurance products could be making a comeback after Empire Life launched a new permanent product with both guaranteed and adjustable features, back in April, and Industrial Alliance announced it was launching a universal life product with adjustable features in June.
Still, he says although price hikes have helped profitability, companies are still not hitting pricing targets for individual insurance sales in Canada.
Group insurance sales, meanwhile, is discussed in the early pages of the most recent annual reports issued by each of the big three insurance companies. Analysts say this is part of a wider focus on products which can be re-priced annually, if need be.
"Insurance companies need to live with their mistakes for a long time," says Mr. Sedran. "That's true of some products, but it's not necessarily true for all of them, so they're going to focus much more on areas where they can adapt to a changing environment more rapidly."
Not only are group insurance sales relatively steady – growth tends to follow economic or GDP growth – the risk is also relatively predictable. "People go to the dentist twice a year, and on average a certain number of people will die or claim on disability," says Standard & Poor's director, Donald Chu. "They're fairly good at predicting these things. Even if they get it wrong, next year they can re-price it."
Size and scale help as well. Once the technology needed to serve group business is in place, companies can move up or down market, to take on larger and smaller groups, without much additional modification needed to their systems.
In Canada, with large cases being something of a zero-sum game, carriers could now be using the benefit of their established technology platforms to collect blocks of smaller group business.
In the U.S., meanwhile, Mr. MacKinnon says there could be future investments made in the 401K market as well, with companies moving in the other direction – from the 50-100 lives market into larger cases serving 100-250 lives.
The U.S. market, however, is no easy place to make a living. Not only is competition from mutual companies rather intense, regulatory capital requirements further impair a Canadian company's ability to compete in many cases as well.
The decision to stop selling annuities in the U.S. is one sign of this challenge. Mr. Sedran describes the market as being "hyper-competitive," where competitors are highly disciplined in managing fixed costs.
"This makes it difficult to get the right return for the risk you're taking. Then, from a Canadian perspective, the capital rules have been tightened for what (companies) are holding against the new annuities being written today. You're being forced, in Canada, to hold more capital against that annuity being sold in the U.S.," he says. "It makes it a difficult place to do business."
Leaving the U.S. market
Pulling out of the U.S. market was not a small, run of the mill decision either. "It was as dramatic as it seems," Mr. Chu agrees. He points out that Sun Life Financial spent a lot of money making acquisitions in the U.S. "Without question, they have taken a financial hit on that. All the other companies are pretty much in the same boat," to some degree, he adds. "They're all coming to the realization that the U.S. market is not as attractive as they once thought."
In other international business lines, meanwhile, companies continue to look to Asia to provide growth, but enthusiasm about the region is notably more temperate than it has been in the past.
Mr. Sedran says this expansion has been less of a focus in the past two years, because companies have needed to be more internally focused as they repositioned and restructured their core businesses.
As well, to expand in Asia requires a large outlay of capital. "Manulife and Sun Life are not the only two companies in the world that have realized that Asia is a more rapid grower," he adds. "The competition for those assets is (also) intense."
At issue, too, is the disconnect between top-line sales, and bottom line results. While companies spend a lot of money, the impact "doesn't really move the financials as much as you might like." Mr. MacKinnon says although compound, annual sales growth has come in around 25 per cent since 2008, the compound annual growth in earnings "has probably been in the four to five per cent range."
The region is still attractive, however, because companies need growth that generally can't be obtained with a domestic focus on Canada alone.
Despite its challenges, and despite the tempered optimism about the market in Asia, financial services penetration is still low there, Asia's population is young, and continues to grow rapidly, and the region is still described as being an opportunity for companies.
"Top line progression is fairly easy to see, or at least fairly easy to expect, because these factors are conducive to a strong top line," Mr. Sedran says. "Getting the bottom line to grow in the manner in which the top line is growing has become the big challenge."
In Ireland, meanwhile, the acquisition of Irish Life by Great-West Life, has analysts optimistic. They say Great-West has proven to be a good operator and the analysts are curious to see how things play out in the future.
"It does seem like an odd one, but when you get in there and understand it a little better, it makes a lot of sense," says Mr. Chu. The company, he says, is more focused on wealth management business that delivers fee revenue, rather than more traditional "long-tail" insurance products. "It's a nice little franchise, and because it has Ireland in the title, it scared everybody away." The analysts generally agree that Great-West purchased the company for an attractive price.
In the United Kingdom, meanwhile, the company hasn't faced the same pressure as it would if it were operating in Greece, Italy or Spain.
Finally, India continues to be a challenge for Sunlife, after the government implemented new product rules back in 2011. "It's significantly hurt top line growth," Mr. MacKinnon says.
At the time of this writing, analysts tell The Insurance and Investment Journal that insurance carriers' shares are generally fairly valued. The first quarter of 2013 has been good for companies too, thanks to interest rate and expense management efforts, and as companies continue to make better use of new and existing technologies. Companies being selective about the businesses they operate in have also helped results.
"Either you put a whole pile of resources in to improve your franchise position, or you make a financial decision, a business decision, and say, 'We can't compete against the big guys, we're going to walk away from that business because it's not worth our effort to be there,'" Mr. Chu says.
When looking at the core business fundamentals, he says companies are well positioned, with high capital levels. "They've trimmed the products that are less profitable and they have adequate reserves. They're in a relatively good position. The prospects of them improving in the future are good, but it's going to be at a slow, measured pace." (One wildcard to that outlook is the prospect of an extremely prolonged period of low interest rates.)
Analysts also expect the focus on fee-based products, and those where clients assume more market risk than companies, will remain for the foreseeable future. Even with this focus, companies do require equity markets to help them deliver results.
"You can turn yourself into a mutual fund manager, but you'll still need assets under management to grow to make more money," Mr. Sedran says. "The markets remain a key variable."
Finally, as for international expansion, although attention has returned, it's expected that companies will be more controlled about their spending going forward. Profit growth is also expected to emerge in the coming months and years. Mr. Sedran points out that new business, even in Asia, is already more profitable today than it was five to seven years ago. "I think that profit will emerge. I'm not convinced it will emerge rapidly, but we should start to see a little bit of that profit emerge this year and next."
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Led by the $1 million charity sale of the last-production 2017 Dodge Viper and 2018 Challenger SRT Demon, Barrett-Jackson reached nearly $27 million in total results for its Northeast Auction, a record for the third-year event in Uncasville, Connecticut.
Over four days, 662 vehicles crossed the block at the Mohegan Sun venue, with regular collector car sales reaching $24.9 million, charity collector car sales raising $1.25 million and automobilia sales hitting $832,000, the auction house reported. The sell-through rate for the overwhelmingly no-reserve auction was 99.25 percent.
The joint sale of the Viper and the Demon was the highest result of the auction and the highest result so far in the three years of the Northeast Auction. The high-energy sale featured pro-wrestler Bill Goldberg on stage stoking the bidders to raise the stakes until finally hitting the $1 million mark. The proceeds benefit United Way charities, as well as $100,000 donated to Barrett-Jackson's yearlong Driven Hearts campaign supporting the American Heart Association.
Charity sales are a signature feature of Barrett-Jackson auctions, with the company donating block time to benefit scores of worthy causes over the years at the auction company's various sales.
Barrett-Jackson's next auction takes place in Las Vegas Auction on September 27-29 at the Mandalay Bay Resort and Casino. For information, visit the auction website.
WHERE ARE THE CHEVROLET SSR PICK UP TRUCKS..HAVE THEY DISSAPEAR FROM THE FACE OF THE EARTH…?


The Marlow is regularly stocked in Charming Charcoal, Charmin White, and Navy Blue fabric. Pieces are sold separately so that you can configure it to fit your space. This model is also available to custom order in other fabrics to make it truly your own.


Is a Compensation Plan Necessary?
One of the most common comments we hear from our small and medium sized clients is, "We don't need a compensation plan, we are a small employer and pay on an individual-to-individual basis."
Actually, money by its very nature requires even the smallest employer to implement a compensation system and to live by it on a continuing basis. For example, in most small business settings, there are managers, clerical support, technical experts, front line employees and, possibly, other support staff. A business with one (1) location typically may employ five (5) to thirty (30) employees, including managers, and those with multiple locations a proportionate number. And, many leaders of these organizations typically tell us it is not worth conducting employee evaluations on such a small number of employees because they "know" their employees' performance and effectiveness and so they don't need to establish a formalized pay plan.
And this is probably true, particularly within a one (1) site operation. Most owners do not need formal records or formal policies outside of job descriptions and employee handbooks. But compensation is a different matter. Recordkeeping is always a part of paying employees, so much that every dollar of payroll is recorded. With this recordkeeping already in progress, it is not difficult to ask this question: "Does each employee's pay have a logical relationship to every other employee's pay, as well as to such outside factors as what other employer's are paying, inflation, etc.?"
After all, this is what a pay system is. It is nothing more or less than establishing a relationship between the different amounts employees are paid and justifying that relationship. There is no one way these relationships have to be established, but there is a general approach most small businesses can utilize in developing a system to meet their basic needs.
Why is a compensation system worthwhile? Why is it worth making the effort to systematically relate employees' pay rates? The answer is the same for small as it is for large businesses. Establishing pay rates that are realistically tied to outside factors such as what competitors or organizations competing for talent are paying and the continuing effects of inflation, will help owners hire good people and retain them. Establishing rates that are realistically related to what other employees within the organization are being paid will ensure internal equity and subsequently help avoid dissatisfaction. Finally, every employer must introduce an element of pay-for-performance so that their pay system will become a part of the employee's effort to motivate more and better work.
The concept of pay-for-performance; however, should be clarified: It is commonly held by psychologists that pay increases do not motivate more and better work if increases are routine. An "annual merit increase," for example, is not a true merit increase if an employee can, in fact, do an average job during the year and still get his or her annual raise. In fact, this type of pay progression will eventually demotivate more senior employees, because no matter the effort, the same increase is provided. A true pay-for-performance system is only effective when an employee has performed unusually well and because of his or her unusual or exceptional performance, receives a raise that otherwise would not have been granted.
1. Confirm the positions to be covered by the plan and describe each position in some detail � SESCO recommends the criteria-based job description, which includes a built-in performance appraisal format. This tool has been very successful and widely used within the contracting services industries.
2. Determine how much each position (not the person) is worth to the organization. We at SESCO call this the organization's "right price" for each position; a blending of the market, current pay realities and affordability.
3. Establish labor grades and pay ranges incorporating operational realities.
4. Reduce the pay plan to writing to include implementation guidelines and administrative procedures (how will the plan be maintained from year-to-year and other policies such as the process for reviews and increases).
5. Thoroughly educate leaders to include pay philosophy, compensation realities, their role in managing the organization's largest single controllable cost and other important financial, business and human resource realities. Subsequently communicate the new plan to all employees.
6. In addition to the compensation plan, support the overall compensation package by providing all employees a custom employee benefit statement describing the value of all benefits provided, thereby communicating their total compensation package.
Compensation is at the heart of the employer-employee relationship. It is the employer's largest single controllable cost and it meets the employee's basic "survival" needs. Compensation can also be an employee relations issue and demotivator if not properly implemented and can be a performance motivator if properly managed.
SESCO Management Consultants is available to assist with your human resource issues, including the development of compensation plans. You may contact us by phone at 423-764-4127 or by email at sesco@sescomgt.com .