AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC); Board of Governors of the Federal Reserve System (Board); and Federal Deposit Insurance Corporation (FDIC).
Efficiency Act of 1994 (Interstate Act) to effectuate the amendment contained in section 106 of the Gramm-Leach-Bliley Act of 1999. Section 109 prohibits any bank from establishing or acquiring a branch or branches outside of its home State under the Interstate Act primarily for the purpose of deposit production, and provides guidelines for determining whether such bank is reasonably helping to meet the credit needs of the communities served by these branches. Section 106 of the Gramm-Leach-Bliley Act of 1999 expanded the coverage of section 109 of the Interstate Act to include any branch of a bank controlled by an out-of-State bank holding company. This final rule amends the regulatory prohibition against branches being used as deposit production offices to include any bank or branch of a bank controlled by an out-of-State bank holding company, including a bank consisting only of a main office.
EFFECTIVE DATE: October 1, 2002.
OCC: Karen Tucker, National Bank Examiner, Compliance Division, (202) 874-4428; Kathryn Ray, Counsel, Community and Consumer Law Division, (202) 874-5750; Patrick T. Tierney, Attorney, Legislative and Regulatory Activities Division, (202) 874-5090; or with respect to foreign banks, Martha Clarke, Acting Assistant Director, Legislative and Regulatory Activities Division, (202) 874-5090.
Ann E. Misback, Assistant General Counsel, Legal Division, (202) 452-3788.
FDIC: Louise Kotoshirodo Kramer, Policy Analyst, Division of Compliance and Consumer Affairs, (202) 942-3599; or Mark Mellon, Counsel, Supervision and Legislation Section, (202) 898-3884.
interstate branching authority provided by the Interstate Act would not result in the taking of deposits from a community without banks reasonably helping to meet the credit needs of that community. See H.R.
Conf. Rep. No. 103-651, at 62 (1994).
\1\ Pub. L. 103-328, 108 Stat. 2338.
establishes or acquires a covered interstate branch, the appropriate agency will determine whether the bank satisfies a loan-to-deposit ratio screen \3\ that has been established by section 109.
loan-to-deposit ratio of all banks chartered or headquartered in that State (host State loan-to-deposit ratio). Host State loan-to-deposit ratios, based on reasonably available data, are jointly published by the Agencies every year.
If the bank's statewide loan-to-deposit ratio is at least 50 percent of the host State loan-to-deposit ratio, no further analysis is required. If, however, the appropriate agency determines that the bank's statewide loan-to-deposit ratio is less than 50 percent of the host State loan-to-deposit ratio, then the agency must perform a credit needs determination.\4\ Under the credit needs determination, the appropriate agency reviews the activities of the bank, such as its lending activity and its performance under the Community Reinvestment Act (CRA), and determines whether the bank is reasonably helping to meet the credit needs of the communities served by the bank in the host State.
\4\ A credit needs determination also would be performed if the appropriate agency determines that there is no reasonably available data that permits the agency to determine the bank's statewide loan-to-deposit ratio.
changing the definition of an ``interstate branch'' to include any branch of a bank controlled by an out-of-State bank holding company (as defined in section 2(o)(7) of the Bank Holding Company Act of 1956 (BHC Act)). This joint final rule conforms the Agencies' uniform regulations to the GLBA amendment.
deposit ratios is accurate. The commenter suggested that the Agencies should require banks to report deposits and loans by State and that many banks would already have this information available.
recommended that the Agencies take the cyclical nature of agricultural lending into consideration when calculating these ratios. Both of these comments are beyond the scope of the current rulemaking.
interstate branch'' to include any bank or branch of a bank controlled by an out-of-State bank holding company. We also have made conforming changes to our respective regulations \6\ to revise the definition of ``host State'' and to clarify that the loan-to-deposit ratio screen will be applied to a bank, or branch of a bank, controlled by an out-of-State bank holding company in the same manner as the screen is applied to a covered interstate branch. The final rule is substantively identical to the proposed rule. We have made only technical changes to each agency's proposed regulations.
that Congress intended that this amendment would expand the scope of section 109 to cover any bank or branch of a bank controlled by an out-of-State bank holding company, as discussed below.
109 rule to ``all branches of a bank owned by an out-of-State holding company,'' not just to previously exempt branches owned by such banks. See H.R. Rep. No. 106-74, pt. 1 at 128 (1999) (emphasis added). Thus, the final rule applies to all branches of a bank when the bank and its controlling bank holding company have different home States.
an ``out-of-State bank holding company.'' 12 U.S.C. 1841(o)(7). We have used the BHC Act definition of ``control'' to determine the controlling bank holding company. This is the top tier bank holding company in a multi-tier bank holding company structure.
State'' is incorporated into that definition.
bank is a covered interstate branch, a foreign bank's home State is determined under section 5 of the International Banking Act of 1978 (12 U.S.C. 3103), Sec. 211.22 of the Federal Reserve's Regulation K (12 CFR 211.22), Sec. 28.11(o) of the OCC regulations, and Sec. 347.202(j) of the FDIC regulations. For purposes of determining whether a branch of a U.S. bank controlled by a foreign bank is a covered interstate branch, a foreign bank's home State is determined in accordance with 12 U.S.C. 1841(o)(4) as discussed above in section III. C. of this preamble regarding U.S. bank holding companies. A foreign bank may have different home States with respect to direct offices and subsidiary banks.
lending activity and its performance under the CRA,\7\ and evaluate whether the bank is reasonably helping to meet the credit needs of the communities served by the bank in the host State.
wholesale deposit markets, which are generally national or international in scope. This approach is consistent with section 109's overall purpose of preventing banks from using the Interstate Act to establish branches primarily to gather deposits in their host State without reasonably helping to meet the credit needs of the communities served by the bank in the host State. See Prohibition Against Use of Interstate Branches Primarily for Deposit Production, 62 FR 47728, 47732-33 (September 10, 1997) (codified at 12 CFR parts 25, 208, 211, 369).
amendment and this final rule extend the scope of the DPO rule, this extended scope is unlikely to affect most institutions.
The Agencies have determined that this final rule does not involve a collection of information pursuant to the provisions of the Paperwork Reduction Act, 44 U.S.C. 3501 et seq.
requirement, this final rule does not impose any additional paperwork or regulatory reporting requirements. Accordingly, we have concluded that the final rule would not have a significant economic impact on a substantial number of small entities. BOARD: Pursuant to section 605(b) of the Regulatory Flexibility Act (5 U.S.C. 601 et seq.), the Board certifies that the final rule will not have a significant economic impact on a substantial number of small entities. The rule would extend coverage of section 109 to some additional institutions, including small entities. Review for compliance with section 109 is conducted at the same time that the Community Reinvestment Act review is performed. Consistent with the requirement that the Agencies use only available information to conduct a section 109 review, the final rule does not impose any additional regulatory burden on banks beyond what is required by statute. The burden to conduct the review and use only available data is on the banking regulatory Agencies. Thus, the final rule will not have a significant economic impact on a substantial number of small entities.
institutions per year will experience any cost in connection with complying with the rule. Thus, the final rule will not have a significant economic impact on a substantial number of small entities.
The OCC has determined that its portion of the final rule is not a significant regulatory action under Executive Order 12866.
easier to understand. No commenters addressed this issue. Accordingly, we made no changes to the proposed style or format.
Community development, Credit, Investments, National banks, Reporting and recordkeeping requirements.
Accounting, Agriculture, Banks, banking, Confidential business information, Crime, Currency, Federal Reserve System, Investments, Mortgages, Reporting and recordkeeping requirements, Securities.
Authority: 12 U.S.C. 21, 22, 26, 27, 30, 36, 93a, 161, 215, 215a, 481, 1814, 1816, 1828(c), 1835a, 2901 through 2907, and 3101 through 3111.
company under the Bank Holding Company Act.
State, a bank holding company whose home State is another State.
Sec. 25.63 Loan-to-deposit ratio screen.
than 50 percent of the relevant host State loan-to-deposit ratio.
2907, 3105, 3310, 3331-3351, and 3906-3909; 15 U.S.C. 78b, 781(b), 781(g), 781(i), 78o-4(c)(5), 78q, 78q-1, and 78w; 31 U.S.C. 5318, 42 U.S.C. 4012a, 4104a, 4104b, 4106 and 4128.
Sec. 208.7 Prohibition against use of interstate branches primarily for deposit production.
under the Bank Holding Company Act.
less than 50 percent of the relevant host State loan-to-deposit ratio.
Authority: 12 U.S.C. 1819 (Tenth) and 1835a.
2. In Sec. 369.2, redesignate paragraphs (f) and (g) as (g) and (h), respectively; revise paragraphs (b), (c) and (d); and add new paragraph (f) to read as follows.
(2) Any bank or branch of a bank controlled by an out-of-State bank holding company.
(B) The date on which the foreign bank becomes a bank holding company under the Bank Holding Company Act.
(d) Host State means a State in which a covered interstate branch is established or acquired.
(f) Out-of-State bank holding company means, with respect to any State, a bank holding company whose home State is another State.
Sec. 369.3 Loan-to-deposit ratio screen.
Dated at Washington, D.C., this 1st day of March, 2002.


Emergency rescue workers in Bettembourg were kept busy on Tuesday when they responded to three calls in succession.
The first, at around 2.20pm, brought firefighters, police and ambulance workers to the site of a collision on the road from Kockelscheuer to Bivange. The motorist had to be freed from the car before being taken to hospital.
No sooner had the team finished there, they were called to a fire at a home under construction in rue du Château in Bettembourg. The roof had caught fire and firefighters from as far as Dudelange were mobilised to assist with the operation. The blaze was eventually extinguished when firefighters cut through the roof using a chainsaw to access the flames. Because the house was still under construction, it escaped severe damage.
Finally, rescue workers were called to the Aire de Berchem where a truck driver suffered injuries. Police have not reported the cause of the injuries but add that the man was taken to hospital as a result.


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Blog Ohio Real Estate Law / 07.10.2017
Ohio Supreme Court: Charitable-Use Exemption from Real Estate Taxes Based on Nondiscrimination, Not Quantum of Charitable Care
By Connie S. Carr
On June 15, 2017, the Ohio Supreme Court issued its decision in Dialysis Ctrs. of Dayton, L.L.C. v. Testa,Slip Opinion No. 2017-Ohio-4269, which provided clarity on the basis for granting or denying a charitable-use exemption from real property taxes.
The Dialysis Centers of Dayton, L.L.C. ("DCD") owned and operated 4 dialysis centers in the Dayton area. For most of 2006, DCD was jointly owned by Miami Valley Hospital, a nonprofit entity, and several physicians. By 2007, the physicians were no longer members of DCD, and it became wholly owned by the hospital. A single member LLC is a disregarded entity for tax purposes and its transactions would appear on the tax returns of the sole member. In some of the centers, DCD rented a percentage of space to physicians to use as offices.
In order for a patient to be treated at one of DCD's facilities the patient went through an intake process, where an employee of DCD would evaluate the patient's options for paying for the treatment, with potential sources being Medicare, Medicaid and private insurance coverage. If a patient had no coverage and was indigent, the DCD employee would help the patient investigate whether he or she qualified for Medicare or Medicaid. If the patient was responsible for payment of a portion of the dialysis costs and couldn't afford to pay that portion, the DCD employee worked with the patient to determine if he or she qualified for charitable care. Although all of the foregoing options for coverage and payment were pursued, the centers treated all patients, regardless of whether he or she could afford the treatment costs.
When the hospital took over 100% of the ownership of DCD, it adopted an operating agreement that provided that DCD's charitable purpose included "provide services to indigent patients regardless of their ability to pay."
When a review of DCD's tax exemption request was conducted by the county tax department, it asked DCD to quantify what portion of its services were 'uncompensated care', which excluded write-off's for bad debts. DCD quantified such treatment at 28%.
The tax commissioner subsequently denied DCD's exemption application based upon that low percentage of 'uncompensated care' and in 3 of the 4 cases, also in part due to the fact that some space was leased to independent contractor physicians.
DCD appealed to the Board of Tax Appeals ("BTA") who upheld the tax commissioner's determination based on insufficient evidence of charitable care at the locations (i.e., quantity). DCD then appealed to the Ohio Supreme Court (the "Court").
The Court's review was based on whether the BTA's review was "reasonable and lawful." While the BTA is responsible for determining factual issues, the Court "will not hesitate to reverse a BTA decision that is based on an incorrect legal conclusion." (quoting, Gahanna-Jefferson Local School Dist. Bd. of Edn. v Zaino, 93 Ohio St.3d 231, 232, 754 N.E.2d 789 (2001))
The Court determined the following:
Because the physicians were part owners in DCD in 2006, DCD was not eligible for a charitable-use exemption in 2006.
In 2007, DCD was entitled to its exemption for that portion of the space at each center that is devoted to dialysis services; i.e., the space leased to the private physicians would not be exempted from real property tax.
The matter was remanded to the tax commissioner to conduct further proceeding to allocate between the portion leased to the physicians and the portion used for dialysis services and calculate the exemption accordingly.
The Court's based its determination to grant the exemption on the fact that nondiscrimination, rather than quantum of charitable care, is the criterion for exemption. Proof of unreimbursed care was unnecessary. The Court stated "For purposes of Ohio's charitable-use property-tax exemption, the provision of medical or ancillary healthcare services qualifies as charitable if those services are provided on a nonprofit basis to those in need, without regard to race, creed or ability to pay." It further noted that in the era of insurance and governmental health care benefits, care may be paid for by third party payors without destroying charitable status.
The Court went on to state that "A crucial factor in the charitable status of property use is whether a facility is open to serve the general public—or to that part of the general public that has a special need—in order to cater to the needs of that whole segment of the public."
For the foregoing reasons, the Court found that the excessive focus by the tax commissioner and the BTA on the quantity of charitable care was reversible error, and for tax year 2007 the facilities at issue should have been exempted from real estate taxes except for the portion leased to private physicians.

redpajama_set_name: RedPajamaCommonCrawl


text:
Paramie Jayakody
Unless you've been living under a very large rock somewhere, you're likely to be exposed to dozens of memes every week. Some are common, others niche, many overused, and a good few need explicit context to be understandable. Regardless of your level of meme knowledge, there's memes out there for everyone to enjoy.
However, the meme has now evolved from simple inside jokes to become a cultural form of communication in the digital era – so much so that internet communities sometimes come by obscure snippets of news via memes faster than anything else.
You can even use this to your advantage, specially in your volunteering journey. How? Read on to find out!
Memes: A short history
First off, what is a meme? According to Encyclopedia Brittanica, a meme is a "unit of cultural information spread by imitation. The term meme (from the Greek mimema, meaning "imitated") was introduced in 1976 by British evolutionary biologist Richard Dawkins in his work 'The Selfish Gene'." Somewhat similar to comics, the earliest occurrence of the meme is said to date back to 3 BC, in the ancient city of Antioch.
'Be cheerful; live your life,' one of the earliest known memes
The more modern version of the meme – the internet meme – evolved shortly after the rise of the internet itself, and was referred to by Mike Goodwin in his article 'Meme, Counter-meme' in an issue of Wired in 1994. The 1990's was the era when the internet meme became popular, with many online sites – particularly Reddit, Tumblr, and 4chan – playing an instrumental part in developing it into the cultural phenomenon it is today.
The meme as a means of communication
Somewhere down the line, memes grew from merely a method of sharing jokes online to an expansive form of correspondence. Entire conversations could be built up on memes with specific contexts. One method is by using popular meme templates to fit a particular conversation or inside joke you may have with someone else. Another is to use phrases or keywords used in certain memes to carry on a conversation or articulate a particular sentiment (throwback to Wakanda).
In addition, as people became familiar with the meme, they began sharing memes of common interests or jokes with friends – similar to sending a postcard with a note saying "saw this and it reminded me of you". This has also led to the rise of a new kind of friendship online, where communication is based on shared senses of humour, meme knowledge, and inside jokes. A study into the use of memes as a coping mechanism during the COVID-19 pandemic found in the research cohort that in each stage of collective coping "the socio-psychological aspects of the COVID-19 crisis are manifested through memes, as they help individuals to reevaluate a stressful situation." Further, it stated that memes contribute to simplifying the COVID-19 crisis. This is because they counteract information from traditional media, giving a response while taking advantage of the humorous factor, thus making it easier to digest.
The state of memes at present
Memes are now a widespread and embedded internet phenomenon and a quintessential part of youth and internet culture. From video memes to meme NFTs, if something happens or exists, chances are there's a meme for it.
Memes have become so ubiquitous that popular events now hire meme correspondents in order to gain publicity for their event through memes – if it's happening anyway, might as well try to utilize it, right?
In addition, giants such as Netflix have used memes to market their streaming shows, with great degrees of success. Shows such as Enola Holmes and Sex Education achieved great meme success across social media platforms, creating further interest in the shows.
The popular series Sex Education used memes to great effect in marketing
Elsewhere, the concept of combining world events led to some hilarious confusions on the internet. A notable incident was when news of Russian President Putin resigning (later denied through Russian media) was communicated to the masses through posts about Supernatural's Dean and Castiel. The same applied for Georgia's election results as well – as fans of the show used these incidents to derive context for their Destiel memes, others across the internet learned of these incidents.
The dark side of memes
On the other hand, memes can also have a dark side, which we mostly see with 'dank' and 'dark humour' memes, which can be offensive or shrouded in bigotry. The early meme platform 4chan, for example, is widely regarded as a cesspool of hate, harassment, and trolling, which led to it being "cancelled" by the larger community. However, outside of the specific places where dark humour runs wild, memes are generally safe. This is largely due to the fact that anything offensive is flagged and removed fairly quickly. The sheer number of users in the internet's public space act as its own kind of monitoring system.
Beyond this, another problematic aspect of using memes is that, while they can act as an information carrier and a potential source for news, they may also do that to the detriment of said information. For example, oversimplifying or trivializing heavy issues, or painting a certain person as the villain. In the now-famous Depp vs. Heard case, we saw this abundance, as Heard was painted a villain by the majority of the internet community. A large number of the online content circulating about her was slanderous and remained unflagged because the larger community was on the same page. This calls to attention that memes need to be seen critically as well – a potential source of humor and unity, but not one without risks.
How volunteers can meme
Like it or not, memes have become one of the fastest and most effective ways of communicating your message in simple, captivating, and often hilarious ways. This makes memeing a highly valuable tool that you as a volunteer can use to spread your message as well. Organizations such as Students For Liberty place great emphasis on memes, with simple meme templates being effectively used to convey complex ideas. Want an example? See below:
How Students For Liberty uses memes
Elsewhere, the National Wildlife Federation, in celebration of Garden for Wildlife Month, had a hilarious campaign featuring Goslings, and not the actual Ryan Gosling. Another great example is Sri Lanka's Advocata, a think tank that utilizes TikTok videos to gain traction for their heavier content. Last but not least, you must have heard (at least once) the famous track "Dumb Ways to Die". Did you know it's actually a campaign by Metro Trains in Melbourne?
The great thing about memes is that, while having a good meme knowledge and being updated with current trends is definitely beneficial, you can still make a splash using the good ol' classics which never go out of style (for example, the Phoebe-Joey meme template). Just make sure you're getting your message and the context right in a non-offensive way, and you'll be fine!
Whether you're trying to communicate your message to a new audience, or simply raise awareness on an ongoing issue, a meme can be a simple and easy way to get your idea across. Why not try it?
Globalization's Horrifying Ties to Western Colonialism
Introduction Since the 1990s, globalization has taken the world by storm. It allows people, products, and information to cross national borders at prices significantly lower than before. However, for most people, especially those in the developing world, this system hurts them more than it helps. One of the most severe tragedies of globalization is the…
Ariel Siton December 17, 2022


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text:
Ford is betting big on Detroit
Amazon isn't saving Detroit, but Ford could
Matt Burns	@mjburnsy / 2 years
The Ford Motor Company now owns one of Detroit's iconic buildings in the Michigan Central Station. The monumental building looms over Detroit's oldest neighborhood. It's long been a symbol of Detroit's decay, and now it could become the symbol of Detroit's revival, and Ford's along with it. The building is set to become the anchor of Ford's 1.2 million-square-foot campus in the Detroit neighborhood.
The Michigan Central Station will house more than just Ford employees, though. The auto company says it will be a mixed-use facility with facilities for up to 5,000 office workers and space for shops, restaurants and maybe even residential housing.
Ford has a substantial undertaking before employees and businesses move into the building. The Michigan Central Station is nearly literally a shell of its former self.
The station was built in 1913 by the same firm responsible for New York's Grand Central Terminal. In its day, the 21-story building stood proudly with marble floors under an arched 65-foot ceiling. It was the tallest train station in the world when its colossal bronze doors first opened to the public.
Since its closure in the '80s the building sat empty, eventually losing nearly everything to looters and nature. The windows disappeared, graffiti covers much of the brickwork, and the ornamental ceiling is crumbling. Barbed-wire fence eventually encircled the structure, attempting to keep people out. But they don't. The lure of the station is too strong.
DETROIT, MI – JUNE 19: An artist spray paints a canvas at the historic, 105-year old Michigan Central train station prior to a Ford Motor Company press conference to formally announce their plans to renovate the building and turn it and Detroit's Corktown neighborhood into a hub for Ford's auto technology on June 19, 2018 in Detroit, Michigan. The project is expected to be completed by 2022 and will be the workplace for approximately 2500 Ford employees. (Photo by Bill Pugliano/Getty Images)
Detroit, The Mobility City
The Michigan Central Station is set to be the center of a large Ford campus centered around forward-looking automotive technology research and design. Ford sees 2,500 employees occupying the buildings by 2022. The focus is on the future of mobility including electric and autonomous vehicles, and everything from connected vehicles to roads and parking.
Ford held a large event today announcing its intentions for the campus and Michigan Central Station. CEO Jim Hackett points to the advancing revolution where, as he says, artificial intelligence and big data that will be even more disruptive than the industrial revolution.
"What Rouge was to Ford in the industrial age, Corktown can be for Ford in the information age," said Ford President and CEO Jim Hackett said in a released statement. "It will be the proving ground where Ford and our partners design and test the services and solutions for the way people are going to live and get around tomorrow, creating a Southeast Michigan mobility corridor that spans west from Dearborn to Ann Arbor, and east to Detroit."
The plan calls for Ford to occupy at least three buildings in the area as part of a mobility corridor Ford intends to build spanning Detroit to Ann Arbor to Ford's home in Dearborn, Michigan. Ford says it will redesign its Dearborn campus alongside Corktown campus.
Hackett was clear on this point: The plans for the Corktown campus will not compete or replace Ford's Dearborn campus. He stressed that it's part of the same system.
"It's actually one whole system," Hackett said. "In fact, if anything it guarantees the future of Dearborn. Our Dearborn redesign [and] our Corktown revitalization are just steps in the strategy to keep moving forward."
Ford largely operates outside the city of Detroit. The company's headquarters, main development operations and Ford River Rouge Complex are located in the Detroit suburb of Dearborn. This move into Corktown is more than symbolic; it's significant.
The big three automakers, along with countless automotive suppliers located in Michigan, are increasingly fighting with Silicon Valley for talent. Rightfully so, prospective employees are looking for employers that can offer a compelling work/life balance, with that, comes the place of employment. I've been through Ford's Dearborn's facilities. From an outsider's perspective, some of these facilities feel like an aging office complex that could crush your soul at any moment.
Silicon Valley offers engineering talent a unique opportunity previously largely unavailable for such jobs. It's likely why GM let its self-driving startup, Cruise, continue to operate in the Bay Area.
Moving engineering teams into a Corktown campus will place these employees in the middle of a historic city on the upswing. By the time Ford moves employees into the facility by 2022, Corktown should be packed with upstart restaurants, bars and shops, ready to take the money of Ford engineers.
[gallery ids="1659119,1659121,1659164,1659161,1659162,1659140,1659130,1659129,1659125"]
From Trains to Self-Driving Cars
The Detroit News explains how the deal unfolded. Along the way, the structure was inspected and deemed sound enough for redevelopment. Apparently since concrete encases the steel girders, the structure of the building has fared better than its ornamental adornments.
The station was in a state of decay before the last Amtrak train left the station in 1988 and was never an overwhelming success on its own. The station is located outside of the downtown core and relied on Detroit's trolleys to bring riders to the station. The station also lacked a large parking facility, which became problematic after the rise of the automobile caused the trolley system to age and shut down.
The station's interior is stunning even in its decayed state. The general waiting room reminds of a Roman bathhouse with soaring arched ceilings covered in Guastavino tile that speak to Detroit's glorious past. Light pours through the tall windows and glass ceiling. Pillars are throughout the lobby. The arches continue in a lovely arcade that once housed shops and service stalls.
Space for 500 offices occupied the floors above the station, though the top floor of the station remained unfinished and unused through the building's history.
The station lacked windows for years and nature did its best to reclaim the station. Water damage is visible everywhere. Tiles are falling off the arches, revealing the terra cotta backing. Stagnant water is found throughout the lower levels.
Historic Detroit states ridership peaked following World War 1 with 200 trains leaving the station daily but started to dwindle quickly in the 1950s. Amtrak took over the station from the bankrupt Penn Central in 1971, the year it was founded. The corporation spent $1 million updating the station but couldn't save it, and the last train departed the station in 1988 heading to Chicago.
The year Amtrak unveiled the updated station, the building was added to the National Register of Historic Places. This designation didn't increase riders, but it did save the building from being demolished after Amtrak moved out.
Since its closure, the building has traded hands several times with each owner unveiling grand plans for the building: a casino and hotel, a rail yard, an international trade center, even a police station.
The Moroun family purchased the building in 1992 and left it untouched until just a few years ago when it started landscaping the park in front of the station. The family then installed windows throughout the building. It's unclear if this was to prepare the building for sale or other purposes.
The station sits just blocks from the former Tiger Stadium that was built in 1911 and torn down in 2008. It's a mostly residential neighborhood, sitting just outside the downtown area. Corktown has yet to see the redevelopment boom found elsewhere in Detroit.
Though not ideal when the Michigan Central Station was built, its location is likely what brought Ford to the table. The area has easy access to major highways and is just far enough away from downtown Detroit to mostly avoid the traffic congestion. Real estate opportunities seem ample, too.
Amazon turned down Detroit
Last year Detroit enlisted the help of real estate mogul Dan Gilbert to help win Amazon's bid for a second headquarters. It didn't work out. The city of Detroit and State of Michigan reportedly offered Amazon a massive tax incentive but Amazon didn't take the bait. The deal would have changed Detroit, but not necessarily for the better. Had Amazon picked Detroit, the city would have had to adjust physically and mentally to handle the supposed increase of 30,000 workers within the city limit.
Ford seems like a good fit for today's Detroit. The company is restoring an eyesore and essentially extending the border of the downtown area. Instead of adding tens of thousands of workers like Amazon would, Ford is adding thousands of workers. The streets will get a bit more crowded, but not overwhelmed.
The area lacks a lot of the infrastructure needed for an Amazon-sized workforce. Public transportation is limited to a couple of short lines, and some suburban leaders are fighting their expansion. Parking is hard to come by and there's a housing crunch in the downtown core. The roads are a mess and traffic congestion is getting worse. Ford's campus, located outside the downtown areas, should avoid some of those challenges — besides the terrible roads.
This deal puts Ford back in Detroit 22 years after it sold the Renaissance Center to General Motors. Even though it's early, Ford's return to Detroit could prove to be as pivotal to Detroit's future as when Dan Gilbert moved Quicken Loans downtown in 2010. Gilbert largely kickstarted Detroit's revitalization by filling unused office space with Quicken Loans employees, but also buying up blocks of the city and convincing retailers and corporations to move downtown. It worked, and downtown Detroit in 2018 is a much different place than it was in 2008.
Questions still remain about the purchase of the Michigan Central Station. How much did Ford purchase the building for and what sort of tax incentives were offered to the auto maker and Moroun family? Will I ever be able to get a table at Slow's BBQ again?


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Karan Johar Changes Movie Title For Kareena
Movies, News, People, Stars | December 14, 2011 | | by Prateeksha Khot
Trust KJo to fully follow his principles of Dostana. If latest reports are to be believed, Karan Johar changed the title of his upcoming movie in order to protect his dear friend Kareena from unnecessary embarrassment from the media during her wedding time.
A lot has already been speculated as to the reason behind the change in the movie title from Short Term Shaadi to Ek Main Aur Ekk Tu. While some claimed that it was changed as the filmmakers wanted the title to be in Hindi, Karan had said, "We had initially decided on Short Term Shaadi as the film is about a one-night contractual marriage. But on reflection, we realized that this was only peripheral to the coming-of-age story of two people and would dilute the impact of the story. In retrospect, Ek Main Aur Ekk Tu seems more apt." But if sources are to be believed, the real is that Karan didn't want the media to ask nasty questions to Kareena as she is planning to get married to her beau Saif Ali Khan around the time of the release – the engagement is probably in February followed by the wedding in March. KJo though that with a title like Short Term Shaadi at the time when Bebo herself has her shaadi planned would lead to media playing around with the name and ask her questions which would embarrass her.
Karan staunchly denies this saying that he will stand by his earlier reason of changing the title. "Bebo (Kareena Kapoor) is like a sister, and I share a warm equation with Saif. I wish them a happy, long-term shaadi," he said adding, "I love the song and was oscillating between Ek Main Aur Ekk Tu and the next line, Donon Mile Iss Tarah as a title. I've grown up on the Rishi-Neetu jodi; no one can recreate their magic, but having seen the final cut last Saturday, I'll say that Imraan-Kareena come a close second."
Shakun Batra, the director of the film said, "Ek Main Aur Ekk Tu is a story where characters are more important than the plot. Short Term Shaadi made it seem like a film about the 'one night stand'. I think Ek Main Aur Ekk Tu sets the right tone for the film." Karan admitted that questions regarding the marriage were bound to come up during promotions and it would be upon her on whether to answer them or not.
Surprisingly, the lady behind all this, Kareena Kapoor, is not even aware of all this and wasn't consulted for the title change. Like she said, this indeed is "bizarre"!
Check out this brand new still!
Prateeksha Khot
View all posts by Prateeksha Khot →


text:
Diaper enclosure housing disposable plastic bag
Currently when a diaper/pull-up is soiled and removed, it is typically folded into itself, covering the waste, and thrown directly into the trash or placed into a plastic bag and then thrown into the trash. However, there are a numerous times when a trash container or plastic bag is not easily accessible. This invention would allow for a tear open enclosure housing a disposable plastic bag to be located directly on the diaper/pull-up allowing the diaper to be stored in this disposable plastic bag and discarded at a later time.
Rossi, Paul J. (Waltham, MA, US)
ROSSI PAUL J.
A61F13/15; (IPC1-7): A61F13/15
20030114787 Wearable peritoneal dialysis system June, 2003 Gura
20070203464 Urine collection bag with integral anti-reflux valve August, 2007 Green et al.
20080300534 INSULIN PUMP BASED EXPERT SYSTEM December, 2008 Blomquist
20040068228 Device and method for stabilizing catheters April, 2004 Cunningham
20090254025 PAIN CONTROLLED ANALGESIC ("PCA") APPARATUS October, 2009 Simmons
20040010235 Anti-reflux syringe January, 2004 Weilbacher et al.
20080140011 NEEDLE SHIELDING FLAG STRUCTURES June, 2008 Hager et al.
20060149203 Disposable doggie diaper July, 2006 Draper et al.
20070038192 Hygiene article February, 2007 Bentz
20070093755 Cannula handle and storage system April, 2007 Koos et al.
20090069771 BODY ADHERING ABSORBENT ARTICLE AND METHOD OF ADHERING SUCH ARTICLE TO A WEARER March, 2009 Yu et al.
KIDWELL, MICHELE M
Paul J. Rossi (Waltham, MA, US)
1. What I claim as my invention is a tear open Enclosure housing a built-in disposable plastic bag located in the rear center of a Diaper or pull-up. The Disposable Plastic Bag can be attached directly to the Diaper/Pull-up via a Flexible non-toxic adhesive or by a Fastening Tab and then enclosed by an accessible Perforated Enclosure. The Disposable Plastic Bag could also be attached to a Non-Perforated enclosure, which would then be covered by an accessible Perforated Enclosure, this entire enclosure can then be attached to the diaper/pull-up.
[0001] This invention is a continuation-in-part to application Ser. No. 09/632,556
DESCRIPTION OF INVENTION, IN DETAIL WHICH I AM SEEKING TO PATENT
[0002] The present invention relates to a diaper/pull-up with a built-in disposable plastic bag. This invention would apply to all types of diapers and pull-ups, for all ages: new-born to toddler. The invention consists of a thin clear plastic bag located in the rear center of the diaper/pull-up, which is housed in a tear open enclosure.
[0003] Currently when a diaper/pull-up is soiled and removed, it is typically folded into itself, covering the waste, and thrown directly into the trash or placed into a plastic bag and then thrown into the trash. However, there are a numerous times when a trash container or plastic bag is not easily accessible. This invention would allow for a disposable plastic bag to be located directly on the diaper and easily removed allowing the diaper to be stored in the bag and discarded at a later time.
[0004] The plastic bag may include a resealable closure such as a tongue-in-grove structure known to the art as Zip-lock RTm, or an adhesive. The bag could also have an embossed top for better handling. The bag dimensions would be as follows, 8″height×7″length and would be single layer and fairly thin. The bag would be folded in such a way as to maintain a final approximate dimension of 2″height×2.35″width×0.25″depth (See Drawing No. 4 for folding instructions and dimensions). The plastic bag would be held in place on the diaper/pull-up by 0.75″ diameter flexible non-toxic adhesive located at the rear center of the diaper/pull-up approximately 2.125″ from the top of the diaper/pull-up (See drawing No. 3). The adhesive would adhere to the diaper surface and will allow for the plastic bag to be removed from the diaper, leaving the adhesive on the diaper/pull-up and not on the disposable plastic bag. The adhesive would be placed on the diaper during the manufacturing process. The center of the folded plastic bag would be immediately placed onto the adhesive with the resealable opening of the plastic bag lying horizontally along the diaper and facing toward the bottom of the diaper (See drawing No. 5).
[0005] A second method of attaching the Plastic Bag to the Diaper/Pull-up would involve a permanent/non removable Fastening Tab located on the bottom inside of the disposable Plastic Bag. The Fastening Tab would have one portion attached to the plastic bag and one portion attached to the Diaper/Pull-up (See drawings #6 and #7). This Fastening Tab could also have a perforation in its center to allow for the plastic bag to be separated from the diaper (See drawing #7). The plastic bag would be folded as described in drawing #6 and then be attached to the diaper/pull-up inside out The Zip lock Tab and the Fastening Tab, which are located in the interior of the plastic bag, would be facing out towards the insides of the Enclosure Perforated Top and the Enclosure Non-Perforated Bottom. The soiled Diaper would then be folded into the plastic bag. Thus allowing the Fastening Tab and the Zip Lock Tab to be on the inside of the bag and for the Zip Lock tab to close properly (See Drawings #6 and #7).
[0006] After the plastic bag is attached to the Diaper/pull-up using either of the above attachment methods, an Enclosure compartment made of polyurethane would be placed over the plastic bag, enclosing the entire bag. The enclosure would have the following dimensions 3.75height×3.75length×0.005 thickness, single layer. The enclosure will have a 0.25″area along the top, bottom, and sides along the inside. This 0.25″area will have a permanently sealing adhesive applied to it. The center of the enclosure will then be placed directly over the center of the plastic bag and secured to the diaper via the adhesive located on the 0.25″area along the borders of the inside of the enclosure. The enclosure will be perforated along the top, and sides, approximately 0.50″from the edge of the enclosure (See Drawing No. 2). The bottom of the enclosure would not be perforated thus allowing the user to tear open the compartment and remove the plastic bag, leaving the opening to the enclosure attached to the diaper/pull-up. The enclosure could allow for a perforation along the bottom (See Drawing #8), in addition to the top and sides, allowing for the center of the enclosure to be discarded into the plastic bag. The tear open compartment could also have an Opening Tab attached to it so as to allow a consumer to grasp the Opening Tab and open the compartment. The Opening Tab would be secured, via non-toxic permanent adhesive, at approximately 0.25 inches from the top of the perforated compartment (See Drawing #8). The adhesive would be placed along the top of he tab, approximately 0.25 inches in width and running along the entire 1 inch of the tab (See Drawing #8).
[0007] A second Enclosure method could also be employed. The Top Enclosure section with the Perforated opening Tab would be attached to a Bottom Enclosure section which does not have a Perforated opening. This Bottom/Non-perforated Enclosure section could be made of the same material and would have the same dimensions as the Top Enclosure/perforated section (See Drawing #9). The Disposable Plastic Bag would be folded as identified/described in Drawing #4. The Disposable Plastic Bag would then be attached to the inside of the Bottom/Non-Perforated Enclosure section using either of the methods described earlier; 0.75 inch Flexible non-toxic adhesive (See Drawing #9) or Fastening Tab (See Drawing #10). This final Enclosure, consisting of the Top Perforated Enclosure, the Disposable Plastic bag, and the Bottom non-perforated Enclosure would then be adhered to the Diaper/Pull-up via a 0.25 Permanent non-toxic adhesive located on the back of the Bottom/Non-perforated Diaper/Pull-up at 0.50 inches from the top center as described/identified in Drawing #1.
[0008] The plastic bag dimensions, color, material and closing apparatus may vary depending upon the size of the diaper/pull-ups, manufacturing, marketing, and safety requirements.
[0009] The flexible non-toxic adhesives and permanent non-toxic adhesives may vary based on manufacturing, marketing, and safety requirements.
[0010] The enclosure material, dimensions, and perforation locations may vary based on manufacturing, marketing, and safety requirements.
[0011] The plastic Bag Fastening Tab and the perforated compartment Opening Tab dimensions, color, material, and location may vary depending on the size of the diaper/pull-up, manufacturing, marketing and safety requirements.
[0012] Thus what has been described above is a diaper/pull-up with a built in disposable plastic bag which is housed in a tear open enclosure.
[0013] While the present invention has been described with what are presently considered to be the most practical and preferred embodiments and methods, the invention is not limited to the disclosed embodiments or processes.
[0014] Drawing Listing and Description: (Note all Drawing Dimensions are Depicted in Inches)
[0015] Drawing No. 1: Rear view of diaper/pull-up with enclosure.
[0016] Drawing No. 2: Inside view of enclosure.
[0017] Drawing No. 3: Rear view of diaper/pull-up with attached flexible non-toxic adhesive.
[0018] Drawing No. 4: Plastic bag dimensions and folding instructions.
[0019] Drawing No. 5: Rear view of diaper/pull-up with attached disposable plastic bag.
[0020] Drawing No. 6: Plastic Bag with fastening Tab, dimensions and folding instructions.
[0021] Drawing No. 7: Plastic bag with Fastening Tab
[0022] Drawing No. 8: Enclosure with Opening Tab
[0023] Drawing No. 9: Bottom/Non-Perforated Enclosure with Flexible Adhesive
[0024] Drawing No. 10: Bottom/Non-Perforated Enclosure with Fastening Tab
[0025] Drawing No. 11: Back view of Bottom/Non-Perforated Enclosure Section
Previous Patent: Disposable diaper
Next Patent: Absorbent intralabial sanitary protection device


Maryam's eyes shone with the awe of her own achievement as she nar-rated her story. The thick golden hoop piercing her left nostril con-trasted with her dark skin and the tattooed name of her husband on her right wrist peeked out from beneath her orange sleeve.
Maryam's story is one of inspiration and remorse. Maryam was an aban-doned child taken in by a childless family from Larkana, Sind. At the age of 14, she Was married off to a man who was 35 years older to her, as a second wife. She became a domestic slave to her husband, his first wife and their family. Over the next 6 years, she gave birth to four boys, till the older wife forcibly got her tubalired (Tubal Ligation).
As a woman in a male dominated world, Maryam lived in the shadows of the dictatorial men in her house. She lived a life of oppression and indignation against her husband's first wife and their children. Maryam always felt uncomfortable around her husband's oldest son, whose advances made her uneasy as she continued to face the pressures of a hostile marital environment. Maryam's suspicions about her stepson proved to be correct when one unfortunate day, he raped her. Distraught and haunted by this experience, she turned to her husband to protect her, when she was appalled to discover that her husband, instead of standing up for her, blamed her and beat her up, and threw her out of the house. Panic and paranoia gripped her as she left Larkana, seeking refuge from the insanity of the world she could not comprehend.
Maryam's world began and ended in her courtyard. Once she walked out of her house that February day, the only sanctuary known to her was Bilawal House, the place where Benazir Bhutto came from, and where she was told, justice is dispensed. Driven by her own despair and by the generosity of a few strangers, she made the envelopment who made arrangements for her to be transferred to Panah Shelter Home.
At Panah, a lawyer was assigned to her and a custody case was registered. She was informed of her marital rights. She yearned for her children and eventually, with an unyielding spirit of determination; she got the cus-tody of her two younger children through a habeas corpus petition, and they were united with her at the Panah Shelter.
Through a court settlement, her husband agreed to a set of conditions for her return home. She was to be given a separate house and a stipend of 5000 rupees every month. He signed an undertaking to treat her with respect and dignity and report bath to the court every 3 months. For Maryam, this was a victory She hopes to rebuild her life and return back home with her children without fearing the violence that has haunted her throughout her life. One has to immerse in her world to understand how contentment can be built on a measly mound.


text:
Deendayal Antyodaya Yojana-National Rural Livelihoods Mission Overdraft facility for women SHG members launched
New Delhi : Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) organised a special event called "Discourse on Rural Financial Inclusion" on 18th December, 2021 through virtual mode to celebrate 75 years of the independence of the country under Azadi Ka Amrit Mahotsav. Executive Directors, Chief General Managers/ General Managers, other senior Officials of the banks and Chief Executive Officers/State Managing Directors from the State Rural Livelihoods Missions participated in the programme. Sh. Charanjit Singh, Joint Secretary, Rural Livelihoods, Ministry of Rural Development welcomed all the participants and Sh. Nagendra Nath Sinha, Secretary, Department of Rural Development, Ministry of Rural Development, Govt. of India, New Delhi inaugurated the programme.
As a part of the event, the facility for overdraft (OD of Rs. 5,000/- to verified SHG members under DAY – NRLM having accounts under the prime Minister Jan Dhan Yojana with Banks was launched by Sh. Nagendra Nath Sinha, Secretary of Department of Rural Development. This facility has been initiated in pursuance of the announcement made by the Finance Minister in her budget speech of 2019-20. Six Women SHG members from three States i.e., Rajasthan, Jharkhand and Uttar Pradesh (Two from each State) were provided with a cheque of Rs. 5,000 to mark the start of the scheme by the senior officials of the Banks in the presence of Chief Executive Officers/senior officers State Rural Livelihoods Missions at functions organised at State Head Quarters of the respective States. It is estimated that about 5 crore women SHG members under DAY-NRLM would be benefitted from this facility evetually.
After the launch of this OD facility, a presentation on "Reviving Rural Economy" was made by Ms. Nita Kejrewal, Joint Secretary, Rural Livelihoods, Ministry of Rural Development covering various initiatives of the Department of Rural Development and she requested the Banks to align their credit products with that of the various programmes of this Ministry to provide credit to the rural masses to create livelihoods for them and help transform the rural economy. Prominent speakers who participated in the event include Ms. Vasudha Bhatt Kumar, Chief General manager of State Bank of India, who spoke on the "Role of women enterprises in "Reviving Rural Economy", Sh. Balamurgan D Chief Executive Officer of Jeevika (Bihar State Rural Livelihood Mission) & Sh. Rajeev Puri, Executive Director, Central Bank of India, who expressed their views on "Financial Education of Rural Masses – Challenges and Way forward and Smt. Krishna Baruah, State Mission Director, Assam State Rural Livelihoods Mission (ASRLM), who made a Power Point Presentation on" Financial Inclusion in difficult areas – A case for North Eastern Regions" showing various issues faced by the rural people in the NE Regions. A total of 200 Participants (approx.) from different banks and State Rural Livelihoods Mission (SRLMs) have attended this event across 75 locations.
The annual awards for performance of Banks under SHG Bank Linkage programme during the year 2020-21 were announced and the following Banks were awarded:
Ms. Nita Kejrewal, Joint Secretary, congratulated all the award-winning Banks and thanked every one for their active participation and deliberations in the programme.
Previous articleMinistry of Rural Development organized Job Fairs across the country under Deen Dayal Upadhyaya Grameen Kaushalya Yojana as part of Azadi ka Amrit Mahotsav
Next articlePM Narendra Modi condoles demise of Archbishop Emeritus Desmond Tutu


The study, conducted with colleagues at Harvard's T. H. Chan School of Public Health, in Sweden, China, Singapore, Mexico and Canada, reveals how individual-level prevention may be used to control the potential pathways underlying adverse effects of the particles PM2.5, particles with an aerodynamic diameter of <2.5 μm. These findings could have a significant public health benefit in regions of the world with frequent PM2.5 peaks.
Ambient PM2.5 pollution is one of the most prominent air pollutants because they deposit in the respiratory tract resulting in both lung and systemic inflammation and stress. While there has been substantial lowering of ambient PM2.5 achieved through large-scale emissions control policies over the past few decades, exposure peaks with adverse health consequences are still frequently recorded.
Ambient particles were drawn from an inlet next to a heavily trafficked street in downtown Toronto with more than 1000 vehicles passing through each hour. Particles were delivered via an "oxygen type" facemask. Blood samples were collected and measured using the Infinium Human Methylation 450K BeadChip.


Everyone in their baby mama has invaded Charlotte for CIAA (Central Intercollegiate Athletic Association ). Per usual, the annual weekend ( which is a collegiate athletic conference, mostly consisting of historically black colleges and universities) is huge for celebrity hosted parties and events.
Last Night, Lil Wayne and T.I. hosted a party at Label Nightclub, sponsored by Jacob York. We also spotted Mack Maine, Cortez Bryant and Lil Twist.
Tags: celebrity photos, CIAA, lil wayne, recommend, t.i.


text:
try {
	$AdminKey = "HKLM:\SOFTWARE\Microsoft\Active Setup\Installed Components\{A509B1A7-37EF-4b3f-8CFC-4F3A74704073}"
	$UserKey = "HKLM:\SOFTWARE\Microsoft\Active Setup\Installed Components\{A509B1A8-37EF-4b3f-8CFC-4F3A74704073}"
	New-ItemProperty -Path $AdminKey -Name "IsInstalled" -Value 0 -Force | Out-Null
	New-ItemProperty -Path $UserKey -Name "IsInstalled" -Value 0 -Force | Out-Null
	Stop-Process -Name Explorer -Force
	Write-Output 'IE Enhanced Security Configuration (ESC) has been disabled. Required for One-Click deploy to work appropriately.'
} catch {
	Write-Output 'Unable to disable IE ESC. Packages that use one click deploy will be so disappointed.'
}

try {
	# this is necessary for packages that use one-click deploy
	# http://techrena.net/disable-ie-set-up-first-run-welcome-screen/
	New-ItemProperty -Path "HKLM:\SOFTWARE\Microsoft\Internet Explorer\Main" -Name "DisableFirstRunCustomize" -Value 1 -PropertyType "DWord" -Force | Out-Null
	Write-Output 'IE first run welcome screen has been disabled. Required for One-Click deploy to work appropriately.'
} catch {
	Write-Output 'Unable to disable IE First Run Welcome Screen. Packages that use one click deploy will be so disappointed.'
}

Write-Output 'Setting Windows Update service to Manual startup type'
Set-Service -Name wuauserv -StartupType Manual

Write-Output 'Setting "Turn off display" to never on AC power'
# this is required to keep the monitor on to create
# a screenshot that is not "black" when timed out.
powercfg -change -monitor-timeout-ac 0

$exitCode = 0

& c:\vagrant\shell\InstallNet4.ps1
$scriptExitCode = $LASTEXITCODE
if ($scriptExitCode -ne 0 -and $scriptExitCode -ne '') {
  $exitCode = $scriptExitCode
}

& c:\vagrant\shell\InstallChocolatey.ps1
$scriptExitCode = $LASTEXITCODE
if ($scriptExitCode -ne 0 -and $scriptExitCode -ne '') {
  $exitCode = $scriptExitCode
}

& c:\vagrant\shell\NotifyGuiAppsOfEnvironmentChanges.ps1

# install the latest version of the virtual box guest extensions
choco install virtualbox-guest-additions-guest.install

Exit $exitCode

redpajama_set_name: RedPajamaGithub


text:
is a six-part anime OVA produced by Sunrise and released in 1988. It is based on the 1959 book Starship Troopers by Robert A. Heinlein. The OVA was dedicated to Heinlein, who died before the first part of the series was released.

Mecha design
Kazutaka Miyatake of Studio Nue originally designed the mobile infantry powered armors in the OVA for a Japanese edition of the novel (published by Hayakawa Publishing, Japan's largest science fiction publisher) in the early eighties. A mecha based on this design also appears on the DAICON III and IV Opening Animations from 1981 and 1983, a few years before the OVA was released.

Episode list
 "Johnny"
 "Hendrick"
 "Maria"
 "Greg"
 "Cherenkov"
 "Carmencita"

References

External links

 Starship Troopers at Gears Online

 Armored Fighting Suit (Archived)
 Armored Fighting Suit Cont.. (Archived)

1988 anime OVAs
Mecha anime and manga
Starship Troopers television series
Sunrise (company)
Anime film and television articles using incorrect naming style
Anime based on novels

redpajama_set_name: RedPajamaWikipedia


Verity Fassbinder thought no boss could be worse than her perfectionist ex-boyfriend – until she agreed to work for a fallen angel. The angel is a jealous – and violent – employer, so she's quit working for the Weyrd Council and sent her family away.
The angel has tasked V with finding two lost treasures. That would be hard even without a vengeful Dusana Nadasy on her heels. And Inspector McIntyre won't stop calling: the bodies of Normal women who disappeared decades ago are turning up, apparently subjected to Weyrd magics. Angelic demands or not, this isn't something V can walk away from.
Edgy, hilarious and full of heart - Verity is back and as brilliant as ever!
Vivid, magical and with more mayhem than you can shake a stick at, Restoration is addictive, beautifully written and, as usual, darkly comic throughout. One of my favourite urban fantasy series. Read the entire trilogy and prepare to be entertained. You won't be disappointed. Highly recommended.
Action all the way . . . Please, please may there be more!
Overall I recommend this book if you're looking for a witty, well-developed adult-level fantasy series written by an Australian author!


text:
Generation ZERO: Shyam, 22 "I definitely think my generation need to take it more seriously."
Voices of Generation ZERO
Fergus Glynn, 21
"The increasing rates of HIV in people my age is scary. For someone like me there wasn't a lot of information when I was 18, or when I first started seeing guys, so I definitely did a lot of probably irresponsible things because I didn't know better. I think in terms of raising awareness that needs to increase so much. I've definitely had that feeling where people would think that would never happen to me, without any other preventative measures, other than just not believing it. I've definitely had scares where I thought 'Oh God, have I been exposed to HIV?'. I haven't, but it is scary when you don't know – and you don't know what you actually have to do in order to prevent it."
Samuel Dawson, 23
"It's something I relate to being in Generation Z. I do feel like I haven't really been very careful. I haven't had PrEP and I didn't see it as being very important, if that make sense. I've taken lots of risks, especially in London. When PrEP was on trial, I wasn't really sure what it was. People were talking about it but I never really looked into it – and then when the trial ended, I didn't really have the money for it. I could have made the money for it, I could have budgeted but I've been so busy it wasn't really on my priority list. I think HIV hasn't really been a big issue for us. I don't really know anyone who's died from the disease. I'm not aware of many people who have it, so I think it's important for us to be reminded."
Shyam Dattani, 22
"Growing up as a South Asian male in this country and the climate, I feel like it's very taboo to speak about sexual health, especially when it comes to HIV and AIDS. It's not something that's spoken about at home. So to be involved with a campaign like this that opens that door slightly is something that I'm very interested in. With Generation ZERO, I really, really hope that happens – I have a few friends who are HIV positive and I was thinking how its impacted their lives. I definitely think my generation need to take it more seriously. I think people don't value being tested regularly. I think it's very easy to go out on a whim, engage and not do anything about it afterwards. I don't think PrEP is well understood yet, I feel like it's 'something you can take, so you can have more sex', but I don't think people understand why it's necessary – but I do feel it's becoming more accepted to talk about these things."
Photos by Joel Ryder
Related Items:56 Dean Street, Fergus Glynn, Latest, Samuel Dawson, Shyam Dattani


In this Bitesize tutorial, you will learn about a fundamental feature of InDesign – the Pages panel.
When you click the OK button in the New Document window, InDesign creates a blank document set up to your specifications. If you're used to working in a single-page programme, like Illustrator or Photoshop, or even a word-processing programme, like Microsoft Word or Pages, the way that documents are laid out and navigated through in InDesign can seem quite different and may not be immediately intuitive.
Unless you have set your Preferences to open a pre-defined Workspace, InDesign will open the workspace (the collection and arrangement of panels) in Essentials mode. You can view this, or alter the workspace to suit your specific purposes, from the top right of the control panel running along the top of your screen.
One of the most important, and useful, panels in InDesign is the Pages panel. This will open by default, or you can find it in the Window menu (Window > Pages). You will see that the panel is actually a group of three panels: Pages, Layers and Links.
The Layers panel allows you to manage layers in your document, just as you would in Photoshop or Illustrator. You can choose to View or Hide layers, and Lock or Unlock them, by clicking in the two square spaces to the left of the layer's name in the panel.
The Links panel keeps track of the images you have placed into your document, and to which folders on your computer they are located ('linked' to).
For now, let's look more closely at the Pages panel. At the top of the panel you'll see a section with two default Master pages, one single page named [None], and a second, a two-page spread, named A-Master.
To edit the A-Master, double-click the page icon in the panel to bring it up on screen. You can place elements on a Master page, and these will be applied in turn to all pages in the document that have that Master applied to them.
A letter, e.g. 'A', will appear at the top right corner of the relevant page icon in the panel, indicating which Master is being applied to that page. By default, all pages in your new document will have the A-Master applied to them.
To apply [None] (i.e. no Master) or a Master (e.g. A-Master) to a page, simply click and drag the Master's page icon and drop onto a page in the lower section of the Pages panel.
To create a new Master, navigate to the drop-down menu accessible at the top-right of the Pages panel, and select New Master. In the New Master window you can give the Master a Prefix, a Name, and state whether it should be based on an existing Master (i.e. pick up the elements on that Master, and update the new Master accordingly, if you make changes to the original Master.
The lower half of the Pages panel shows the actual pages making up the document. When you print the document, only these pages will be printed, not the Master pages.
If you checked Facing Pages in the New Document window, the document will always begin on a right-hand page, whether you have an odd or even number of pages. This mimics the layout of a spread-based document, like a book or magazine.
The first page, unless otherwise specified, will be Page 1. You can navigate through your document by double-clicking on the page icons in the panel. The page which is currently up on screen will be highlighted in the panel.
To create a new page, which will be added after the page that is currently selected, click the Create New Page icon at the bottom right of the Pages panel. To delete a page, click the relevant page icon in the panel, and then click the trash-can icon at the bottom right corner of the panel.
Explore more super quick InDesign tutorials like this.


Participate in the XTERRA Boney Mountain Trail Run!
Check out the XTERRA Boney Mountain Trail Run!
Calling all adventuresome runners! If you're seeking adventure and you love to run, we've got the cross-country race for you. Full of steep inclines and beautiful views of the Santa Monica Mountains, this race isn't for the faint of heart. Lace up those shoes and get ready to run, here's what you need to know about the XTERRA Boney Mountain Trail Run.
Whether you choose to run the 21K or the 6K, you're sure to get a challenging run full of spectacular scenery. The 21K begins at 8:00 a.m. and the 6K begins at 8:30 a.m. However, keep in mind that the course closes at 11:30 a.m., so you must be confident that you'll finish in time. Arrive early for check in. Ensure that you check in before 7:45 if you're running the 21K and before 8:15 a.m. if you're running the 6K. Check-in will begin at 6:15 a.m., offsite at The Village at Dos Vientos Ranch. Participants may then either run the 1.5 miles to the race start or take the shuttle.
As part of your running package, you will receive a t-shirt, a medal, hot breakfast, and a chance to win the raffle. Tickets begin at $50 for the 6K and $100 for the 21K. Don't miss out on this opportunity.
Be active in your local community. Participate in events like the XTERRA Boney Mountain Trail Run, and invest in the right personal insurance policies. The professionals at Weeks & Associates Insurance Services in Thousand Oaks, California can help you find the best personal and commercial insurance for your needs. Contact us for more information.


text:
Help reveal Jesus to children and young people not in church
With a staggering 95% of under-18s not in church, the task of reaching them with the good news of Jesus is huge. But so too is the opportunity!
Revealing Jesus is designed to help you and your church join us in a lifelong faith journey with the 95.
It's not a programme or another set of resources; it's a framework to help shape, structure and support an intentional, faith journey with children not in church.
Revealing Jesus has three main strands: the faith journey, Faith Guides and Grow Communities.
There four stages of the faith journey - Connect, Explore, Respond and Grow.
Revealing Jesus supports young people through these different stages.
Faith Guides
We hope to mobilise and equip a movement of volunteer Faith Guides, who will commit to be there for the long run. Supporting children and young people as they grow in their faith.
Grow Communities
For many of Generation Z, traditional church just doesn't seem to be for them, or fit with their culture, so they don't stay part of it for long. But we've seen lots of evidence that children and young people thrive in relevant and culturally appropriate worshipping communities that are designed around them, their needs and their interests. Our hope is that Faith Guides, and the churches that commission them, will work towards developing Grow Communities, where those they've been journeying with will have the opportunity to meet regularly with their peers to worship and grow together.
You can support us through your donations and prayers as we mobilise and equip churches to journey with children and young people not in church.
Help reveal Jesus to children not in church
A gift of £25 could help our content team create more resources in helping churches to share the good news of Jesus.
A gift of £75 could help a Mission Enabler train Faith Guides as they support and journey with children and young people from the 95.
A gift of £325 could enable us to fully train and equip a Faith Guide for one year.
Surprise us
Mission Enabler, Hannah shares how she will be working with a Faith Guide in her local area.
"I first met Laura at her church a year before Revealing Jesus launched. Fast forward to autumn/summer 2020 and she was one of my first Faith Guides to sign up! We've spent a lot of time together, understanding and unpicking Revealing Jesus, working through the Faith Guide training and journaling/journeying together. Now we're at the stage of pioneering a few ideas, and I am encouraging her to dream big and not be discouraged if things don't quite work out as expected but instead take stock, explore what can be learnt and try again.
The beauty of Revealing Jesus is that it isn't a formula but instead it's a framework from which there are many ways to travel.
The privilege of my role is that I get an insight into all of these journeys, to see God at work, to share stories across the region and to help breathe life into dreams and see them become reality! For me this is the dream job and I thank God that I've been called to it!"
Revealing Jesus
Click the link to find out more about out Revealing Jesus Framework
Become a Faith Guide
If you are interested in becoming a Faith Guide, you can find out more here.


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Swedish AP funds form European real estate joint venture with TIAA-CREF
Sophie Baker
Angel Navarrete/Bloomberg
The Gran Via shopping district in Madrid, a city targeted for office investment by the new real estate joint venture.
Swedish pension funds AP1, Stockholm, and AP2, Gothenburg, joined forces with TIAA-CREF to create a pan-European office investment platform called Cityhold Office Partnership, which intends to build an office portfolio of at least €4 billion ($4.55 billion).
The joint venture, which has been established and will be managed by TIAA-CREF-owned TH Real Estate, will be seeded with existing properties owned by the TIAA general account and an existing joint venture between AP1 and AP2. That joint venture, Cityhold Property AB, was established in 2011 to invest in real estate in major European cities.
The existing platform is valued at €2.2 billion, and has 15 assets across the U.K., France and Germany. Nine of those assets were contributed by the TIAA general account, and the other six by AP1 and AP2. TIAA-CREF will hold a 50% interest in the new platform, while AP1 and AP2 will each hold 25%.
Cityhold Office Partnership will target a further €2 billion of investment over the next three years, with core investments in tier-one cities including London, Paris and Berlin. It will also invest in value-added opportunities such as leasing, renovation and development, and core investments in tier-two cities, including Madrid and Milan.
The future additional €2 billion of investment will be split in the same way as existing holdings, said a spokesman for AP1, which has 284 billion Swedish kronor ($34 billion) in assets. "The greater capital base provides the company with better opportunities to make good long-term investments in commercial properties," he wrote in an e-mail.
"The partnership with TIAA-CREF gives us a much better position to successfully build and develop our European property portfolio," added a spokeswoman for AP2, which has 293.9 billion Swedish kronor of assets, in a separate e-mail. "Through partnership with TIAA we broaden both our capital base and create a more diversified European property portfolio. We complement each other well, have the same long-term view of investment and the same view of the return."
The transaction is expected to close in September.
AP2, AP3 reach record asset levels
AP1 posts 14.6% return in 2014
TIAA-CREF to acquire remaining 40% TH Real Estate stake from Henderson
TIAA-CREF closes farmland partnership at $3 billion
HQ Capital forms joint venture with CNL Commercial Real Estate
Sweden's AP1 scouting for investment consultant to review managers
AP1 invests $250 million in resource efficiency fund


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Canaries and Celtic pay homage to Adam Drury
Adam Drury
Tuesday May 22, 2012, 2:01 AM
Norwich City defender Adam Drury at Colney Credit: ITV Anglia
Norwich City fans are being urged to get to Carrow Road early ahead of tonight's (Tuesday May 22) testimonial game for long serving defender Adam Drury.
Staff are expecting many supporters to pay on the night, to add to the thousands who have already bought tickets to honour the 33 year old.
And Drury is hoping the visit of Scottish Premier League champions Celtic will make it a night to remember.
Speaking ahead of the friendly Drury said ''Hopefully it'll be a party-like atmosphere. That's what I want it to be, and for everyone to have a good, enjoyable night.
'Once Celtic had agreed to come and play it was all systems go. The 'gaffer (Paul Lambert) knows what they're like having played for them a few times. He played in a game at Carrow Road for former physio Tim Sheppard's testimonial a few years ago.
'He said wherever they go they take an unbelievable following and they'll make it a great night. And obviously with the Norwich fans turning out in numbers I hope it turns out to be a great evening, especially with Celtic coming as Scottish champions, and us staying in the Premier League'.
Drury, who was elected to Norwich City's Hall of Fame in March, has just completed his eleventh full season after signing from Peterborough United in March 2001.
His move from London Road to Carrow Road came the season after Posh won the Division Three play-off final at Wembley. Former Norwich boss Nigel Worthington paid £500,000 for his services.
'It was just a massive club'. Drury recalled on his decision to move. 'A few leagues higher and a chance to play at a higher level, that was the main thing. Obviously it's turned out to be a decent move.
'It was halfway through the first season when I joined but since then its been twenty-five to twenty-six thousand every week at Carrow Road, and a great away following as well. There's been a few ups and downs, but there have been plenty more ups'.
Drury's certainly enjoyed a roller-coaster ride during his time with City. Promotions twice to the Premier League plus relegations to the Championship and League One. He also enjoyed two spells as captain, and has made more than 360 appearances for the Canaries, scoring four goals.
Darren Huckerby heads the list of former City teammates who will turn out for Drury's testimonial. Others include defender Michael Nelson, midfielder Henri Lansbury and striker Dani Pacheco.
And no doubt all eyes will be on striker and Norwich captain Grant Holt. He's expected to have his first run out since his transfer request was rejected by the club last Friday.