text:
Next:INFANTRY: NLAW Blocks The Alpine Passes
Nigeria: Unexpected Losses
July 11, 2017: President Buhari has been in Britain receiving medical treatment since early May. The vice president, Yemi Osinbajo, has officially been "acting president" for the last two months because the 74 year old Buhari had been incapacitated and unable to communicate. This has happened before but this is the longest Buhari has been on medical leave and the 60 year old Osinbajo (a popular and highly regarded lawyer) has filled in competently. But there is growing unease over the lack of information about exactly what Buhari is suffering from, the extent to which he is disabled and how long it will last. Some lawsuits have been filed to compel the government to provide answers.
Buhari and Osinbajo are both similar in that they are reform minded politicians and willing to carry out some long delayed changes. For example, since independence in the 1960s many African countries supported everything but agriculture in the belief that industrialization was the key to economic success. This ignored the lessons of history that showed agriculture was the basis for any sustained economic success. That message has finally been received in Nigeria and the government is at least promising to make it easier for farmers to prosper and do what successful farmers always do (make further economic growth possible). Because of the current recession and a much less corrupt new government, agriculture is rapidly becoming a major force in the economy. While only about 30 percent of the population are full time farmers, over half of Nigerians know how to farm and often do it part-time to supplement income and the family diet. With more government support (or, as many farmers see it, less government interference) Nigeria is now becoming a major exporter of food to the rest of Africa and beyond.
Temporary Oil Truce
In the Niger River Delta local rebels have agreed to suspend their threatened offensive against the oil facilities that are concentrated in the area. This is mostly about the recession and the growing nation-wide anger at those who impede, or threaten to reduce oil production and make the recession worse. Moreover the security forces have been particularly active at finding and destroying makeshift refineries hidden in the delta. About twenty a week have been destroyed so far in 2017. This has hurt the gangs that prosper off stolen oil. The gangs tap pipelines and bring the crude oil to portable refineries hidden in the delta, where it is refined into kerosene or diesel and sold locally. Refined fuels have long been imported because corruption prevented the construction and operation of refineries that could produce this fuel on a large scale locally. The new government has actually done something about fuel supplies. In addition the government payments to rebels, as part of the 2009 amnesty deal, are now actually being paid, a side-effect of the more effective anti-corruption efforts since 2015. However, Delta residents know that their own politicians and government officials are still basically corrupt and will revert to stealing all they can as soon as the anti-corruption pressure is off.
Meanwhile oil production has grown to about two million barrels per day (BPD). That has been the trend for the last few months. Production rose 22 percent in April to 1.48 million BPD. Production was 1.53 million BPD at the start of 2017 but then declined to 1.43 million in February and 1.21 million BPD in March. The April increase is largely the result of the federal government making acceptable peace deals with the local tribal rebels who have been bombing pipeline and other oil facilities. That violence returned in 2016 because of corruption in the local state governments that became an issue once more. Back in late 2016 the government proclaimed the 1.56 million BPD in November 2016 put Nigeria on the way to the goal of 2.5 million BPD by 2020. Then reality intervened as promises to the locals were broken. Peace and more oil production is unlikely to be achieved much less sustained unless there are some fundamental economic and political changes in the Niger River Delta oil fields.
Corruption, theft and sabotage continue to hamper oil production or at least threaten to. There is also a growing problem with unexpected competition. The drop in world oil prices after 2013 was largely because of the huge quantities of oil and gas coming on the market in North America. There the decades old fracking techniques had been perfected after 2000 and changed the world oil market. Arab oil states offered to make a deal that involved the frackers becoming unofficial members of the OPEC oil cartel in order to get production low enough to keep the prices high. That did not work because there is no "fracker cartel" and the attitude among the new North American producers is to rely on their technical prowess, and not market manipulation to stay in business and prosper.
All this makes little difference to most Nigerians because most of the oil money in Nigeria has been stolen over the last half century. There is still an incentive to make peace in the Delta as that will be one less factor that prevents growth in production or even maintaining high levels of production. That tribal unrest is largely the result of corruption and battles between tribes and clans over the many illegal opportunities in the delta. These include gangs that act as private armies for local politicians (usually state governors) or otherwise work for local politicians or even police commanders. In return for this political violence-on-demand the gangsters get government jobs, most of which don't require much effort. You also get some protection from the security forces if you are stealing oil (as long as a percentage goes to your patron).
The Phantom Fulani Menace
The government is under growing pressure from the Christian community to recognize the growing (since 2010) threat in central Nigeria (mainly Plateau, Jos, Kaduna, Benue and Nassarawa states) from the Moslem Fulani herders moving south. While these attacks often trigger reprisals by local militias the Fulani keep attacking. Most of the victims of the Fulani violence are Christian. Thus there were over 800 Christians killed in 2016 along with extensive property damage, including 1,422 houses, 16 churches, 19 businesses and one school destroyed. State governments often refuse to believe that the Fulani raiders are local (and thus the responsibility of the state government.) Instead the violence is blamed on Fulani from a different state, despite evidence that the Fulani raiders are locals. To make matters worse the raiders have also been attacking soldiers or police who intervene.
Attempts to negotiate peace deals with the Fulani generally fail. For example such a deal in Benue State collapsed within months as Fulani herders attacked Christian farming villages in April and May leaving over a dozen dead and many more wounded. That came about back in January when Benue and neighboring Nasarawa state agreed to end the four years of violence created by Fulani tribesmen fighting Benue state Christian farmers who opposed Fulani attempts to use farmlands to graze and water their herds. Since 2012 nearly 4,000 Benue farmers have been killed fighting with the Fulani. The peace deal allowed unarmed Fulani herders to graze and water their animals at certain locations and then leave. The agreement explicitly forbade the Fulani from settling in Benue lands farmed by Christians for centuries. The Fulani long resisted such an agreement but since 2015 soldiers have been more frequently catching up with some of their raiding parties, killing many of the Fulani and returning stolen cattle and other goods to the Benue farmers. Tribal violence in this area has been a problem for generations because Moslem and Christian tribes do not get along and, according to many Moslem clerics and religious teachers, never will. The violence has gotten worse lately. There were over a thousand casualties a year since 2013 and as it got worse in 2016. The prompted officials from both states to meet with Moslem and Christian tribal leaders to work out a peace deal.
The Moslem tribes have long claimed that the government was deliberately sending Christian soldiers and police to persecute them because of their religion not because they were constantly attacking Christian farmers. The settled (farming) tribes have been there a long time and in the last few decades more Moslem tribesmen have come south looking for pasturage and water and increasingly used force to get what they want. After all, Moslems have been doing that for centuries. The federal government does not want to push back in a big way because that is part of the unwritten pace pact between Christian and Moslem politicians. Such violence was always to be described as a "local problem" and handled as quietly as possible. But the recent outbreak of Boko Haram violence in the northeast has made it extremely difficult to keep quiet about the problem. The mass media have given the anti-Christian violence more attention than in the past. The new president (Buhari) is a Moslem but he is also incapacitated by an illness and unable to act on this sensitive issue.
Boko Haram has claimed involvement with the Fulani violence but that always appeared to be marginal and likely to fade away now that Boko Haram has suffered such heavy losses in the northeast. But recently tribal leaders in the south (Edo State) reported that Fulani herders in the area were acting suspiciously and that led to the army arresting 24 of the Fulani for being members of Boko Haram and trying to establish a base in the south. For centuries the Fulani have been feuding with farmers over land use and in the last few years some of the younger Fulani have turned to groups like al Qaeda and ISIL. There have been signs of this. Nigerian Fulani have been showing up in other African states where al Qaeda and ISIL are active and always seeking new recruits from throughout the region. Another sign is the recent increase in attacks by Fulani herders on Moslem farming villages. One recent attack killed 27 Moslems, most of them in a mosque. While most of the Fulani violence is aimed at Christian farmers the Fulani have no problem with going after Moslem farmers who get in the way. This gets worse when the young Fulani men are encouraged by Islamic terrorists to go after Moslem heretics (anyone who disagrees with al Qaeda and ISIL) as well as infidels (non-Moslems.)
July 6, 2017: Military and political leaders from Niger, Chad, Cameroon, Benin and Nigeria met and agreed to continue using the 8,700 man MNJTF (Multi-National Joint Task Force) to eliminate any Boko Haram presence in the region. Of all the threats they face what scares the Boko Haram most is the MNJTF. Formed in early 2015 the MNJTF consists of troops from Niger, Chad, Cameroon, Benin and Nigeria. At first the MNJTF was used mainly inside Nigeria but by early 2017 MNJTF was spending most of its time clearing Boko Haram out of border areas. Each member country assigns some of their best troops to the MNJTF and the Boko Haram have suffered heavy losses trying to fight MNJTF forces. The recent meeting developed a new military strategy and details of that were not released.
July 5, 2017: In the south (Cross River state) a tribal dispute over land left about a hundred dead in nearly a week of fighting. Thousands of civilians fled the area while more police were sent to calm things down. Last month another land dispute left at least twenty dead.
July 4, 2017: In the northeast (Borno state) small groups of Boko Haram fighters made three attacks on military targets, leaving one soldier dead and causing some property damage. These attacks were later claimed by the ISIL faction of Boko Haram as a reminder that they were still operating, at least in this area near the border with Yobe state. The army reported that all three attacks were repulsed and three Boko Haram men were killed and one was captured. Although generally regarded as defeated Boko Haram is still active in the north and responsible for about two attacks a week so far this year.
July 3, 2017: In the northeast (Borno state) the University of Maiduguri in the state capital has spent about $150,000 to build a 27 kilometers long trench on the east side of the campus to make it more difficult for Boko Haram to enter the campus from that direction. The trench will stop a vehicle and slow down anyone sneaking in on foot.
July 2, 2017: In the northeast (Borno state) Boko Haram gunmen attacked a village just across the border in Niger, killed nine people, looted the place and kidnapped 37 women and girls. Survivors of the attack said Boko Haram had threatened them with this sort of violence if they did not cooperate with the Islamic terrorists. That meant not reporting Boko Haram activities to the police and paying a "tax" to Boko Haram in the form of food and other supplies. This took place in southeast near the border towns of Diffa and Bosso. This area is near Lake Chad and been the scene of Boko Haram violence for several years. There are several hundred thousand Nigerian refugees living in the area, providing Boko Haram with a source of new recruits. Nigeria is screening returning refugees and finding that Boko Haram members or their dependents will often comprise ten percent or more of the returnees. That means about one percent of the returnees are actual Boko Haram members.
June 27, 2017: In the northeast (Borno state) Boko Haram attempted to attack a village near the state capital using five suicide bombers. All the attackers were detected and killed before they could reach their targets. The bombers, four of them women, were the only casualties.
June 26, 2017: In the northeast (Borno state) Boko Haram attacked a village south of the state capital and near Damboa, a market town astride the main north-south highway. The Boko Haram raiders killed six villagers and looted the place. This group of Boko Haram men have been operating in this area for several months, using motorbikes to make raids and avoid the security forces searching for them.
June 25, 2017: In the northeast (Borno state) Boko Haram used seven suicide bombers to attack the state capital. These attacks left nine dead and 13 wounded. In most cases police or civilian defense volunteers spotted the bombers and got people out of the way. In two cases the bombers only killed themselves.
Further west in Kano state police carried out raids today and yesterday and arrested over 30 suspected Boko Haram members. Several were not suspected but wanted and one of those was a notorious Boko Haram leader who had been active for several years. This investigation also disrupted planned Boko Haram attacks in Kano and other northern states. The raids also found large quantities of weapons, explosives and Boko Haram literature and documents.
June 24, 2017: In the northeast (Borno state) soldiers from Chad lost at least eight dead as they drove Boko Haram from islands in Lake Chad. These islands, near the Nigerian coast, have long been used by Boko Haram as hideouts. This operation concentrated on five of these islands and killed, captured or wounded over a hundred Boko Haram fighters.
June 21, 2017: The government admitted that half the food aid sent to the millions of people in Borno state displaced by Boko Haram never makes it to the hungry refugees. The food is stolen, either by aid officials or bandits (including Boko Haram) who steal whatever they can in the chaotic northern part of Borno State. In response more of the aid has been in the form of seed and other farming suppliers. These are more useful to the refugees (80 percent of them who farm full time or just to supplement their food supply).
In the northeast (Borno state) two Boko Haram suicide bombers attacked a village in neighboring Cameroon, killing six civilians and the two bombers. Northern Cameroon got hit with multiple Boko Haram suicide bomber attacks since late May, involving at least nine suicide bombers and killing more than twenty people. Most of the bombers and victims were Nigerians from refugee camps in Cameroon. This violence is one reason the government wants to close the camps and send the 70,000 or so refugees back to Nigeria.
June 20, 2017: In the northeast (Borno state) a Boko Haram landmine killed three loggers when their truck ran over the device and exploded. Elsewhere in some Borno Boko Haram gunmen briefly fired on a convoy killing a policeman and a civilian and wounding six other civilians. The Islamic terrorists then fled.
June 18, 2017: In the northeast (Borno state) Boko Haram attacked a village outside the state capital using at least five suicide bombers. Three of the bombers reached their targets and left at least 17 people died and over 30 were wounded.
INFORMATION WARFARE: Israel Plays Rough
INFANTRY: NLAW Blocks The Alpine Passes
Nigeria: Current 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999


"Joseph's Lullaby" is a song by the Christian rock band MercyMe that gives us a glimpse of how Joseph may have viewed the birth of his new son. The touching lyrics foreshadow the eventual ministry and atonement of the Savior, but gently reminds us that Joseph was also simply a father who loved his newborn child. The song was written in 2005, and reached #33 in the U.S. Billboard charts, and #1 in the Christian music charts.
My deepest thanks to Coulter Neale for providing the guitar and vocals for this arrangement.
Go to sleep, my Son.
This manger for your bed.
You have a long road before You.
This world can wait for one more moment.
Is lying in my arms tonight.
Soon enough You'll save the day.
Oh my Jesus, sleep tight.
Beautiful song, you guys did a great job. Thanks for Sharing!
AWESOME!!!! this is my favorite Christmas song. You did a great job!!! Thanks for sharing your talent with us all.


Everything went silent before the attack came.
No birds called in the trees. The wind didn't blow. We scarcely dared to breathe. No one talked. We just took position and waited in that aching, terrifying silence.
Something twitched, moved in the foliage down below us, in the ravine. I swallowed hard, set my stance. I was at the heart of the forward line, J.T. within arm's reach to my left and Matt to my right.
There was a flash of burning cold on my arm, almost enough to make me drop the staff in my hand. My stomach flopped over itself and I had to swallow again, forcing bile back down.
Steady, Marin. Steady. I sucked in a breath and looked over at Matt.
The howl of a thousand voices echoed through the ravines. It shot shivers up and down my spine.
Then they came boiling up over the lip of the ravine toward us, an undulating mass of chest-high, gray-black figures with eyes that glowed like sickly witchlights.
Thirty meters until they hit the wards.
"Hold!" I bellowed, summoning up courage and voice I hadn't known I had.
A few voices echoed my call. My heart began to beat a little faster.
The shotguns we'd gotten loaded with Paul's birdshot went off almost in unison. They took a devastating toll on the leading edge of the Greys' line. Dozens dropped, shrieking in pain, a sound that set my teeth on edge. It didn't stop their advance, though. It just slowed them down a little. They kept coming, running over their injured, their dead and dying, as inexorable as a storm surge.
"Reload, reload, reload!" I shouted as I braced for the wave.
Five meters to the ward lines.
They hit the lines and the world erupted into color and inhuman screams.
"Aim and fire, aim and fire!" I yelled, struggling to be heard over the sound. It was enough to make you want to drop everything and run in the opposite direction.
I looked up and down our battle line. It was holding.
A hand fell on my shoulder. I startled, head snapping to the side.
Phelan's fingers tightened briefly and he stepped past me, into the fifteen-meter gap between our line and the wards. His voice was a little ragged, but steadied after a moment.
"I know you're behind this, Vammatar! Come out here and face me if you've got the stomach." He stopped dead-center in the gap, planting his staff against his instep, squinting past the lightshow that was the wards-line.
The Greys pulled back, like a wave washing back into the ocean. Dozens lay strewn across the open ground between the wards and the edge of the ravines.
I put up a hand to signal the others to hold their fire. My heart was in my throat.
"Do you have a death wish?" J.T. asked, voice strained.
The sea of gray-black parted and Vammatar strode through the gap, blood-red cloak billowing in the wind she created through her firm stride.
Tacking this on to the end as a treat for folks — I did a redesign of the Awakenings Book One cover in anticipation of releasing both the expanded edition and the paperback edition. I though y'all might like a peek.
A lot of symbolism going on in that cover! Might have to explain it in the FAQ. Speaking of, anyone who has questions for the FAQ, please post them here so I can add them into the manuscript before I'm done with edits.
Cool cover. Your own artwork?
I composited it from stock photos. GIMP is my friend.
Yeah, mine too. I don't think I'm as adept at it as you seem to be, though. Nice work.
Thanks! If you need any help, let me know. Most of what I've figured out how to do with GIMP I learned through simple trial and error, so of my experimenting can help anyone else, I'd be happy to share.
You may already have this as a FAQ.
Q: Where do you source the mythology of this world from?
I do! I also included a chopped bit from Book Two, ch 2 when Aoife explains Otherworlds.
I figured I would start with the obvious and allow others to work from there.


exotic trade options, the Basic Tools for Successful Binary Trading. The most familiar type of binary option it the high-low option and its relatively simple to comprehend. But these are particularly binary options and stocks simple to utilize and understand the way they work. Binary options are complex,iQ OPTIONS Start binary trading General Risk Warning The financial products offered by the company binary options and stocks carry a high level of risk and can result in the loss of all your funds. You should never invest money that you cannot afford to lose.trade with limited risk on Nadex, futures binary options and stocks more. Binary options on stock indexes, forex, a US regulated exchange.
a similar case occurred with our 68000 CPU Board. Any and all addresses in the range (3F))E000H to (3F))FFFFH are understood to access I/O ports by the J11. Unlike the binary options zero risk high profit strategy Intel binary options and stocks 8080/80x86 family of CPUs there are no specific I/O lines.
Binary options and stocks in USA and United Kingdom!
you will find the latest and binary options and stocks best binary options strategies trade on our website. Are you ready to make your computer your only employer and make a living by trading from the comfort of your home?low collateral required to trade binaries Trading opportunities in volatile and flat markets Multiple daily trading opportunities - binary options day trading. You can create an account binary options and stocks within five minutes and start Binary Options Trading on an online trading platform.60 Seconds Binary Options Strategy 99-100 .
the maximum you lose is only your initial investment. Transparency : Binary options is one of the most transparent forms of trading where you know exactly binary options and stocks how much you win or lose right at the beginning.the CFTC and the NFA release new laws on a periodic basis and is seen to raise the minimum capital requirements for regulated companies constantly. These organisations also introduce new laws concerning binary options trading activities, . . , , .
binary Options For Dummies: A Binary Option is an option binary options and stocks whose payoff is either a fixed amount or zero. What are Binary Options? For example,established specifically to cater to the needs of home based Forex Traders. WatanFX also provides quality Forex Signals all day long. WatanFX is one of a kind Forex trading binary options and stocks institution, fXCC is one of the worlds leading online Forex.you will NOT need to have binary options and stocks a huge knowledge of myriads of technical indicators, nor will you need to spend hours sifting through fundamentals. Credit spreads and naked puts) and; Use a simple swing trading strategy applied to and.it appears that after the large negative publicity, traderXP simply decided binary options and stocks to change its name and operate under a new scam.
non Exchange Traded Binary Options Binary options contracts have long been available over-the-counter (OTC i.e.) they were generally considered "exotic" instruments and there was no liquid market for trading these instruments between their issuance and expiration. Sold real profits binary trading directly by the issuer to the buyer.read on. Read on. This is because the underlying stock price is expected to drop by the dividend amount on the ex-dividend date. Effect of Dividends on Option Pricing Cash dividends issued binary options and stocks by stocks have big impact on their option prices.
you can see that the trade date was on February 12, so the first thing you need to notice is that the open P binary options and stocks L on the backtrade window. And the P L date right here is on the same date.judd Legum / @juddlegum : Zuckerberg says its an important principle to give InfoWars, like, ashley Feinberg / @ashleyfeinberg : so basically he's drawing an equivalence between Holocaust denialism and, accidentally saying it's binary options and stocks Tuesday when it's Wednesday m/. M/.the price of oil, or the Apple stock binary options and stocks price, forex or Indices. And cover Commodities, select the asset or market to trade Assets lists are huge, cryptocurrency, stocks, for example.most other grid systems out there open trades binary options and stocks with no specific market conditions required, or use very basic outdated indicators which has always proven to fail.
iQ Option is a binary options and stocks site that brings with it a lot of binary options trading experience also; they have been binary options trading robot online since 2013 and in that time they have established quite a reputation and provided many users with top quality service.
i have categorized these by Trading, today I m going to walk you through binary options and stocks the simple process of learning day trading terminology. Accounts,(semoga hal ini tidak terjadi lagi di Indonesia)) Bagaimana metode yang aman dan benar untuk transfer uang ke broker berjangka di luar negeri? Tentunya binary options and stocks adalah melalui media yang benar-benar Legal,, . . . .


text:
Cork cop honoured for his selflessness and bravery
It's the second time the Limerick-based guard has acted with bravery and courage
Hero cop awarded for his bravery
Cork Garda Cathal O'Neill was honoured yesterday for his heroic bravery when he rescued a woman from a river in Co. Limerick in 2019.
Sergeant O'Neill, attached to Croom Garda Station in Co. Limerick, was on patrol in the lovely Limerick town on August 31 of last year when he was alerted to an incident at the Maigue River.
O'Neill, originally from the lovely Cork suburb of Montenotte, was one the first on the scene, and observed a woman being pulled downstream.
Sgt O'Neill entered the water with visibility poor, and a strong current.
"He managed to reach the person and with difficulty dragged her to the bank, where the woman was given first aid treatment before being taken by ambulance and making a full recovery," according to An Garda Síochána.
Sergeant O'Neill received a Seiko "Just In Time" watch for his efforts.
Superintendent Aileen Magner said: "I am proud to serve as a member of An Garda Síochána alongside people like Cathal. His bravery and dedication knows no bounds. He has taken our mission statement of 'Keeping People Safe' to another level."
In 2003, Sgt O'Neill also made headlines when he rescued a teenage boy from a house that had been set alight in Limerick city.

redpajama_set_name: RedPajamaCommonCrawl


text:
Réuniondvärguv (Otus grucheti) är en utdöd fågel i familjen ugglor inom ordningen ugglefåglar som förekom på La Réunion. Den är enbart känd från benfynd och dog troligen ut snart efter ön koloniserades i början av 1600-talet. Liksom två andra utdöda arter från Maskarenerna placerades de tidigare i ett eget släkte, Mascarenotus, men genetiska studier visar att de står nära andra dvärguvsarter i Otus och förs därför numera dit, trots avvikande utseende. Även det svenska trivialnamnet har ändrats, från tidigare réunionuggla.

Noter

Ugglor
Utdöda fågelarter

redpajama_set_name: RedPajamaWikipedia


Scaffold dismantled and all works completed.
Nearing completion to new slated roof, dry vent ridge and associated lead works.
Slating nearing completion to Tower.
During the process of re-roofing the front elevation.
Roof now loaded and slating ready to commence.


text:
Home Events Face jugs, Figurals, and Funnies: Stacy Lambert
Face jugs, Figurals, and Funnies: Stacy Lambert
Stacy Lambert
A brief biography penned by Barry Huffman (with edits)
After his discharge from the Army in 1986, Stacy attended Randolph Community College, receiving an associate degree in commercial art. He found work with a printing company, but the company did not have a position available in their art department. Discouraged, he took a job in a textile mill.
In 1993 Stacy started working with Sid Luck in his Seagrove pottery. Sid, a fifth generation traditional potter who had also been one of Stacy's high school teachers, taught him the basics of turning pottery from handling the clay to glazing and firing. Stacy started building clay figures, and with Sid's help, he was soon making figures up to 12 inches high.
Stacy hand builds his figures, sometimes throwing part of the work on the wheel. He does an electric kiln bisque firing before completing the detail painting and finishing with a final electric firing.
Humor is a critical component to Stacy's clay figures. A rooster wearing checked shorts contemplates an egg at his feet, or a dozen grinning heads protrude from a small jug as if to make fun of jugs with a single face. Nursery rhyme characters play their parts to entertain the child lurking in every adult. A serious angel closely follows the antics of a second angel on the other side of the vase. Albert Einstein is a favorite subject who frequently finds himself etched and painted on small vessels.
All of Stacy's work is carefully constructed and abundantly detailed his clay figures and his amazing pen and ink and colored pencil drawings. Both clay and paper attest to Stacy Lambert's imagination and creativity. Think of Pieter Bruegel the Elder (c.1525-1569), the most significant painter of the Dutch and Flemish Renaissance, after someone gives him a dose of laughing gas infused with love and wit. That Pieter and Stacy would have some fun things to talk about. Perhaps this comparison illustrates the humor, intensity and complexity of Stacy's work, it is also meant to comment on his seriousness as an artist and the range of his originality and creativity. I can only imagine how he must soak up bits of the world around him and then give it back to us in a figure or a drawing that entertains, yet lets us see things we have never seen before or think thoughts previously unimaginable.
He has participated in the Catawba Valley Pottery and Antiques Festival every March in Hickory since the beginning of that show. Stacy has plenty of ideas for future pieces. He explains, "I plan on doing this forever. It's become part of my life."
In November, 2011, Stacy married his childhood friend, Vonda Moon. Stacy is a full-time folk artist while Vonda retired from working in IT at a financial institution in January 2022. He and Vonda enjoy going to movies and traveling. Stacy's daughter, Nadine, works as a technical analyst in Virginia. And, his son, Sebastian, after a decade in the Navy, is now an entrepreneur. Sebastian's wife, Christine, is a piano instructor. In addition, Stacy and Vonda have an elderly dog named Pepper Blue.
This program is in association with the exhibition Earth & Fowl: Chickens and Other Poultry in Clay currently on display in our Schaefer Gallery.
Image credit: Stacy Lambert (Winston-Salem, NC). Kissing Jar, 2007. Ceramic. Collection of Carol and Shelton Gorelick, on loan from the Gorelick family.
Stacy holding his work at American Folk & Framing in Asheville, NC.
Tickets may be purchased here: https://www.blowingrockmuseum.org/calendar/stacy-lambert
Blowing Rock Art & History Museum
159 Ginny Stevens LaneBlowing Rock, NC, 28605


text:
The 2005 Tour de Hongrie was the 32nd edition of the Tour de Hongrie cycle race and was held from 2 to 7 August 2005. The race started in Veszprém and finished in Budapest. The race was won by Tamás Lengyel.

General classification

References

2005
Tour de Hongrie
Tour de Hongrie


text:
Treeno Document Management 4
Electronic Forms Capture
Document Imaging Systems
Easy Document Archival Scanning Process
Loan Processing
Third Party Administration
How Treeno Can Support District-Wide Document Approval and Processing for K-12
by treeno | Dec 22, 2019 | Education
School office staff and district administrative personnel often find themselves struggling to manage the volume of paperwork that needs to be routed through various steps in differing approval processes.
Treeno Software's automated district-wide document approval tool can eliminate this frustration, making what was once a cumbersome, time-consuming process more efficient and more cost-effective.
Managing Paper Documents is Inefficient at Best
As any district administrator can attest, managing documents like expense reports, timesheet approvals, time off requests, personnel forms, purchase requests and parental permission slips can be an exercise in frustration. Managing the volume of approvals and request can be a daunting task. Schools and school districts may track documents using spreadsheets or other manual tools, but it's easy for paper documents to slip through the cracks or to languish on someone's desk waiting for approval. Meanwhile, the person who submitted the form has no idea what its status is. Even for a relatively simple form that requires just one level of sign-off or approval, the process can be time-consuming and inefficient for everyone involved.
Treeno's Document Approval Process for School Districts
Districts that choose to implement Treeno's district-wide document approval and processing solution can save money and time, while providing enhanced visibility and tracking of documents in process
Using Treeno's fillable form technology, school district employees, contractors or parents can create and monitor the status of simple, user-friendly PDF forms. Here's how the technology can help:
Districts create fillable PDF forms, including all relevant fields. Generally, the information captured on electronic forms is the same as what was captured on paper forms. The fillable forms may be hosted on an intranet, or may be made available to parents or others through a public web page.
A workflow process is pre-defined, depending on how submitters answer various questions. For example, an expense report submitted by a teacher in a specific middle school might be routed to the middle school principal prior to being routed to the district office, however reports for a high school might go directly to their high school principal prior to being routed to the district office. The approval workflow can be defined and refined based on multiple additional fields, to further refine the process.
When a user submits a form, it is captured in Treeno's system and routed to the pre-defined reviewer. That reviewer can receive email notifications alerting them they have a task requiring their attention in the system.
The form can be automatically routed through several levels or layers of approval, as defined ahead of time by the school and/or district. For example, a form might be routed to the Vice Principal, then to the Principal, then to the Superintendent.
At all times, the submitter can see the status of the submitted form in real time. In addition, the district-wide administrator also has enhanced visibility into the process, making it easier to identify potential bottlenecks. Each approver can enter notes when appropriate as the forms move through the approval process.
Managing documents manually can be both difficult and frustrating. With Treeno's automated forms process, there is no need to wonder whose desk a form is sitting on, or to worry about moving paper from desk-to-desk or office-to-office.
Contact Treeno to Learn More
There are many reasons school districts are choosing to adopt Treeno's document management solution for district-wide forms:
Integrating student information systems and back office applications using electronic forms means districts can save time and money, improve efficiency and accuracy, and provide enhanced service to employees, parents and anyone else completing forms.
The applications for this technology are almost unlimited; any type of form the district or individual schools use can be enhanced using Treeno's document management solutions.
To learn more, contact Treeno today.
Watch the Treeno Video
Back Office Document Management
FERPA: Secrets for Data Compliance in Education
Best Practices for Education: Managing and Securing IEP Documents
20 Most Promising K-12 Technology Solution Providers – 2019
Guide for Building a Business Process You Can Report On
Command your content
Document management solutions.
sales@treenosoftware.com
951 Islington Street
Get the latest updates and offers
All content copyright © 2010 - 2018 Treeno Software. All rights reserved.


"... -ischemic brain injury. Key words CNS, NSP, NSE, GFAP, hypoxia, ischemia. Received: 29.10.2015; in the ..."
"... the «perinatal hypoxia» the complex of symptoms caused by oxygen insufficiency of fetus and newborn is considered ..."
"... , NSE, GFAP, BBB, hypoxia, ischemia. Дан ная инт ерн ет-в ерс ия с тать и бы ла с кача на с сай ..."
"... protect against spatial memory deficit following neonatal hypoxia-ischemia. Experimental neurology. 2000 ..."
"... are more pronounced in babies of lower gestational age. Key words: CNS, hypoxia, ischemia, blood-brain ..."


My tour and the guide were excellent. My tour guide was [Removed] and she convinced me that this should be my next home. I will make a decision shortly.
Senior living at Tapestry means getting to choose from a variety of options and services that fit with who you are and how you want to live. These include everything from personalized exercise regimes and spa treatments to discreet assisted living services and delicious restaurant cuisine.Ultimately, the Tapestry "difference" is based in cultivating and expanding the most positive aspects of aging and maturity. To accomplish this goal, we provide the most up to date retirement residences and programs, access to a complete range of cultural and recreational activities, and the most qualified, caring staff available.


Ahhhh...monthly pages...thirty-ish days at a glance, all in one spot for your eyes to see and your brain to process! How do YOU take advantage of such beauty and function? If you're memory planning, you might be inspired to try what mambi Design Team member Heather Kell (IG | blog | YouTube) has been doing since the beginning of this year: include one snapshot a day into the boxes of her BIG 'Make Things Happen' Happy Planner®'s monthly calendar.
"I moved to a BIG Happy Planner® in January for my memory planning and needed to come up with a new way to use my monthly spread. I was inspired by a sticker in the Memory Planning Sticker Book that simply said 'snapshots'. It inspired me to use my monthly spread to show a 'snapshot' from every day of the month.
I used my Polaroid ZIP and a 1.5 inch circle punch to create the circles for each day. I love how the circles turned out - in the past I had done squares, but love that the circles mix it up."
"I added a few stickers from different mambi sticker books on some of the photos as extra embellishment. For example, January 9th was a photo of my husband and I watching Alabama play in the National Championship, so I added a sticker that said 'THIS IS BIG'. On January 13 and 14, we had back to back date nights so I added a cute pink heart.
I love that I can look at this monthly spread and easily be reminded of little moments from our month. I can then flip to my weekly spreads to read more details about our days."
"For my February spread, I'll be doing the same idea but with a Valentine twist. Since it's the 'month of love', I will take a photo every day with my husband and post it in the monthly spread. My husband is already excited about taking silly photos, incorporating silly props, and just having fun with the photos. I love that this will get him involved in my memory planning process!"
REMINDER: Join us again today & tomorrow on PERISCOPE (@meandmybigideas) for the V.I.P. access to all the brand new Happy Planner® products being released in the next few weeks!
Today the party continues! Marketing Assistants Hannah Schwartz & Kayla Rahmatulla will walk you through all the new CLASSIC Happy Planners® at 12pm PST. // If you missed yesterday's or Tuesday's broadcasts you can watch it HERE.
Tomorrow, Owner & Creative Director Stephanie Fleming will hop on the 'scope sharing the new accessaries and the exclusive products that Hobby Lobby will be carrying.
Release dates and information on where to find everything will be provided, and come ready with questions for our team to answer! Fun! See you later, planner babes!


Down days call for comfortable, casual dressing, so fill your wardrobe with stylish t-shirt options for the weekend. This short sleeve burgundy design has 'San Francisco' graphic print to the chest. Try yours with slim denim for off-duty cool.


By signing up for the "The ADHD Academy" service ("Service") or any of the services of eTrack Inc. you are agreeing to be bound by the following terms and conditions ("Terms of Service"). Any new features or tools which are added to the current Service shall be also subject to the Terms of Service. You can review the most current version of the Terms of Service at any time at http://theadhdacademy.com/tc/. eTrack Inc reserves the right to update and change the Terms of Service by posting updates and changes to the "The ADHD Academy" website. You are advised to check the Terms of Service from time to time for any updates or changes that many impact you.
You are responsible for keeping your password secure. eTrack Inc cannot and will not be liable for any loss or damage from your failure to maintain the security of your account and password.
You may not use the service for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws) as well as the laws of Canada and the province of Ontario.
You are responsible for all activity and content (data, graphics, photos, links) that is uploaded under your "The ADHD Academy" account.
A breach or violation of any of the Account Terms as determined in the sole discretion of eTrack Inc will result in an immediate termination of your services.
eTrack Inc does not warrant that the service will be uninterrupted, timely, secure, or error-free.
eTrack Inc does not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You expressly understand and agree that eTrack Inc shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from the use of or inability to use the service.
Technical support is only provided via email or the support forum.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service without the express written permission by eTrack Inc.
Verbal or written abuse of any kind (including threats of abuse or retribution) of any "The ADHD Academy" customer, eTrack Inc employee, member, or officer will result in immediate account termination.
We do not claim any intellectual property rights over the material you provide to the "The ADHD Academy" service. All material you upload remains yours. You can remove your "The ADHD Academy" account at any time by deleting your account. This will also remove all content you have stored on the Service.
The failure of eTrack Inc to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. The Terms of Service constitutes the entire agreement between you and eTrack Inc and govern your use of the Service, superseding any prior agreements between you and eTrack Inc (including, but not limited to, any prior versions of the Terms of Service).
You retain ownership over all content that you submit to a "The ADHD Academy" account.
eTrack Inc does not pre-screen Content and it is in their sole discretion to refuse or remove any Content that is available via the Service.
The service will be billed in 30 day intervals. When your billing period is over, "The ADHD Academy" users will be automatically billed using their credit card on file. Users have five days to bring up and settle any issues with the billing.
If you cancel the Service in the middle of the month, we will simply stop billing you and you will not be charged again.
We reserve the right to modify or terminate the "The ADHD Academy" service for any reason, without notice at any time.
Fraud: Without limiting any other remedies, eTrack Inc may suspend or terminate your account if we suspect that you (by conviction, settlement, insurance or escrow investigation, or otherwise) have engaged in fraudulent activity in connection with the Site.
Prices for using "The ADHD Academy" are subject to change upon 14 days notice from eTrack Inc. Such notice may be provided at any time by posting the changes to the "The ADHD Academy" Site (theadhdacademy.com) or as an announcement in your "The ADHD Academy" account.
eTrack Inc reserves the right at any time to time to modify or discontinue, the Service (or any part thereof) with or without notice.
eTrack Inc shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the Service.


Irreverent film-lover and master documentarian Jeffrey Schwarz (SPINE TINGLER: THE WILLIAM CASTLE STORY; WRANGLER) directs this smart and savage look at the birth, rise, and ubiquitous influence of so-called "grossout" humor. Eddie is a featured interviewee, alongside John Waters, Jason Biggs, David Ansen, Chris Gore, Peter Riegert, Stephen Furst, Lin Shaye and Adam Rifkin. Eddie's personal high point is the direct cut from one of his comments to one of Waters'. A cinematic journey is now complete.
Produced for the Starz anthology series "Inside," GUTTER debuted to critical praise in July 2008 and will be released on DVD by Anchor Bay on December 2, 2008. Because there's nothing like copious bodily fluid gags to make the holiday season a little brighter.


text:
The Boba Book: Bubble Tea and Beyond
Andrew Chau and Bin Chen realized in 2011 that boba--the milk teas and fruit juices laced with chewy tapioca balls from Taiwan that were exploding in popularity in the States--was still made from powders and mixes. No one in the U.S. was making boba with the careful attention it deserved, or using responsible, high-quality ingredients and global, artisanal inspiration. So they founded The Boba Guys: a chic, modern boba tea shop that has now grown to include fourteen locations across the country, bringing bubble tea to the forefront of modern drinks and bridging cultures along the way.
Now, with The Boba Book, the Boba Guys will show fans and novices alike how they can make their (new) favorite drink at home through clear step-by-step guides. Here are the recipes that people line up for--from the classics like Hong Kong Milk Tea, to signatures like the Strawberry Matcha Latte and the coffee-laced Dirty Horchata. For the Boba Guys, boba is Taiwanese, it's Japanese, it's Mexican, it's all that and more--which means it's all-American.
Xol*
The Xol collection is cultivated in a consciousness of diversity and inclusivity, with respect for sustainability and mindfulness. For additional inquiries, send us an email at studio@studioxol.com
Sign up for our mailing list and let's keep in touch:
© 2021, Xol Powered by Shopify


The boss at the end of the floor must be defeated in order to advance to the next floor.The new MSN, Your customizable collection of the best in news, sports, entertainment, money, weather, travel, health, and lifestyle, combined with Outlook.Concrete And Jello. On the reverse side of the coin is Al Gore,. The Explorers Club promotes the scientific exploration of land, sea, air, and space by supporting research and education in the physical, natural and biological sciences.
Misfit activity trackers and wearable technology track your activity and monitor your sleep.
BeFunky Photo Editor lets you apply photo effects, edit photos and create photo collages with collage maker.Malwarebytes protects you against malware, ransomware, and other advanced online threats that have made traditional antivirus obsolete and ineffective. Download.
Here is a list of the ones that have been found so far: The.Another religious symbol that is said to be powerful against Jewish vampires is the Star of David. Pluto squared the Sun.This is a classic exercise for visualizing just how BIG our Solar System.
Cleveland Browns Home: The official source of the latest Browns headlines, news, videos, photos, tickets, rosters, stats, schedule, and gameday information.List of ICOs and Token Sales by PlutoCoin ICO: Pluto Coin will be used in Diamond Industry for all the overseas transactions.The solar system does not really end with Pluto. of the Thousand Yard Model.
I delight in youHow in the direction of Receive Endless Mobile Info for.
Bosses are very strong monsters found in boss rooms at the end of a floor.
Get a constantly updating feed of breaking news, fun stories, pics, memes, and videos just for you.Breaking headlines and latest news from the UK and the World.Exclusives, live updates, pictures, video and comment from The Sun.We plan to benchmark the coins based on our algorithm to determine how valuable a coin is compared.Pendleton will express regret over the bloodshed and pay him 100 coins instead. Corvo destroying the jello.


text:
Q: without looping twice in the list of dictionaries how can one be altered based on a value of keys in another I have an array of dictionaries all of them with the same set of keys. How can I efficiently change the value of one of the dict based on the value in another. THe array is long and there are many keys but this small example will clarify the question.
A = [ {F:[0, 10], G:[1,11], H:[2, 21]} ..... {F:[20, 21], G:[31, 41], H:[42, 63]}]
Now I could do this
for x in A:
   if x['F'][0] == 20:
      x['H'].append(31)
      for y in A:
         if y['f'][0] == 0:
            y['H'].append(31)

These are long lists with dicts with several keys so is there a better way to do this?
Appreciate your response.
Thanks

redpajama_set_name: RedPajamaStackExchange


valuations towards pre-sale and pre-purchase advice.
A pre-sale or pre-purchase valuation gives the potential purchaser a powerful tool to take to the negotiating table. A current valuation report is widely regarded the most credible source of information available. It will assist a seller to determine a reserve sale price, or help a buyer to identify their highest most limit, or offer on a property for sale. Assess the value of a property for auctioning.
Capital gains tax applies to all investment properties purchased after 1 October 2001. Taxpayers, including individuals, trusts, companies and close corporations, will be taxed on the profit they make when they sell an asset or property of a capital nature. Capital Gains Tax can be described as taxes on the resale of assets. A current or retrospective valuation will identify the actual increase in a property's value. We also assess the value of a property for the purpose of handling tax related issues, bankruptcy company restructuring and property rates appeals.
Valuations for deceased estates are used to determine the asset value of a particular estate. Having a valuation carried out on properties forming part of the estate can help executors and beneficiaries appropriately administer the estate and minimise the possibility of dispute.
An insurance valuation is carried out to determine the correct amount of insurance cover required for structures including residential dwellings, industrial / commercial buildings, and retail premises. The assessment takes into consideration the size (m²) and nature of the improvements and current demolition and constructions costs.
Insurance Advice Reports are required by Body Corporates to determine the correct level of insurance cover required for all buildings and common property forming part of a particular scheme.
To determine the value of a property for accrual purposes in the event of two parties going through divorce / breakdown of a marriage / defacto arrangement, and can help to dissolve any disputes which may arise as to the current value of the property.
Where a building is being constructed such as a residential house, sectional title unit, or a commercial building, and the project is being financed by a lending institution, inspections for progress payments will be required to confirm that the amount of work required for each stage of construction has been completed.
Most estate agents have vast experience with sellers who may have an unrealistic view of the value of their home. A Home Inspection report in conjunction with a comparative market analysis will assist estate agents to counsel their clients to apply a realistic price to their properties. Correctly priced houses are most likely to sell quickly to the benefit of seller, buyer and agent.
Copyright © 2019 Afrivals Property Valuations. All Rights Reserved.
Website designed and developed by Web Dreams, Potchefstroom - digital creative agency.


· The US House of Representatives passed a resolution on Tuesday which called on President Bill CLINTON to cut financial aid to Russia, if it does not immediately release US businessman and former Naval intelligence officer Edmond POPE. Arrested in April on charges of espionage, POPE has been held in Lefortovo Prison. He is due to go on trial as early as next week and could face up to 20 years in prison if convicted. POPE is accused of trying to obtain underwater missile technology from a Russian scientist. The House resolution, which is not binding and has no companion legislation in the Senate, calls for US officials to try to block Russia's entry into the World Trade Organization and opposes rescheduling millions of dollars of Soviet-era debt owed by Moscow to the US unless POPE is released. The Speaker of Russia's State Duma Communist Gennady SELEZNYOV, told reporters the House resolution was "crude interference in our criminal procedural legislation. President CLINTON, it seems, has decided that America can do anything it wants. This cannot stand. The Americans should send over fewer spies. Then we can waste fewer resources catching them and proving their guilt."
tion of ignoring corruption in Russia and doing little to nurture a market economy there. In a September 30th letter to Representative Christopher COX (Rep.-CA), who chaired the committee, CHUBAIS insists on seeing the evidence and is threatening to meet any accusers "in a court of law." He claims the report contained, "blatant mistakes." CHUBAIS stated, "As I have never been involved in any corrupt act, I would kindly appreciate you telling me by whom, when and under what circumstances you were provided with these baseless and irresponsible allegations."
Georgia To Sign Pipeline Agmt.
demanding higher corporate governance from borrowers, improvement in Russia's legal system, greater respect for shareholders rights and clear business practices. EBRD spokesman Jeffrey HIDAY said, "This is a much tougher strategy and it's very plain." EBRD President Jean LEMIERRE emphasized the Bank's commitment to Russia. He said, "The Bank suffered through the 1998 crisis, as did many people, but we did not leave." The document welcomes President Vladimir PUTIN's economic strategy, but warns that the, "Russian reform environment has long been volatile, characterized by rapid advances and setbacks, ambitious plans and weak implementation." "In addition, the frequency of intimidation, extortion, even physical threats in business or legal disputes adds a dimension to investment risk that is unusual for most other countries," the Financial Times reported. LEMIERRE said that, "severe weakness in the rule of law continues to undermine investment, both domestic and foreign." The EBRD will invest $700 million this year, more than three times its 1999 commitment, of $217 million. The Bank has provided loans amounting to $500 million to small business projects in Russia over the last five years. The Bank also may lend $250 million to Gazprom, Russia's gas monopoly, to help it modernize its pipelines and $150 million to LUKoil Holding, Russia's top oil producer, for crude and oil products export projects. Gazprom's facility review has been repeatedly delayed, while LUKoil's loan was put on hold. The EBRD has demanded that Gazprom clarify its relationship with client companies including Itera and is holding LUKoil's loan until it meets international accounting standards. The EBRD plans to provide ruble-denominated facilities for borrowers that do not want to take risk in hard-currency borrowing. The EBRD plans to cooperate with the Federal Security Commission to develop corporate governance code and securities code for Russian companies.
Bank within the next month to modernize Slavneft-Yaroslavnefteorgsintez. Demuri TSKHAKAYA, director of Slavneft's operations in northwest Russia said, "It is about 80 percent certain that we will sign the agreement with the Japanese in the next month...to modernize the Yaroslav Refinery." Slavneft owns a 50.9 share in Yaroslav, its largest refinery, while Tyumen Oil Company, Russia's fifth oil producer, holds a 40 percent stake. Slavneft is also negotiating with European banks for an $80 million loan to modernize Mozyr Oil Refinery in Belarus. TSKHAKAYA did not name the European banks. Slavneft holds a 42.5 percent stake in the refinery. Last week, Slavneft signed an agreement with the Belarus government to go ahead with a $120 million modernization of the Mozyr Refinery, and the oil company is asking for tax breaks on buying new equipment. Slavneft also plans to invest $24 million in the St. Petersburg area over the next 18 months to develop its wholesale and retail network, TSKHAKAYA said.
· AvtoVAZ workers are expected to widen a weeklong strike today to protest plans to reorganize Russia's biggest carmaker, The Moscow Times reported. The walkout began in the department that produces car seats and over the weekend gained support from the head of the All-Russia Trade Union, as well as from a parliamentary deputy from the Samara region where the plant is based. Union members said the reorganization is a threat to the 120,000-person workforce. They also are demanding an increase in their average salary from about $100 a month. AvtoVAZ has been in negotiations with General Motors Corp. to form a joint venture.
a critical nor a core asset for Sidanco. There is a market out there for it." Rusia Petroleum needs about $10 billion investment to extract gas and build pipelines to China. Sidanco was forced into bankruptcy in early 1999 over total debts of $452.6 million. The company left bankruptcy early this year when shareholders debts were restructured. Since then the company paid all its debts to external creditors, including a $153.6 million loan from a group of investment banks led by Dresdner Bank and National Westminster Bank.
industrial sectors confirms the stability of general economic growth and forms a solid basis for sustained growth in 2001," it said. In January-September, industrial output fell only in the fuel sector by 8.6 percent and in electricity generation by 0.3 percent. The State Statistics Committee had said earlier that industrial output rose by 12 percent in the first eight months of the year, compared with the same period of 1999. For 2000 as a whole, the Ukrainian government, which expects gross domestic product to rise by three to four percent, forecasts industrial output to grow by some seven percent.
· The signing of the agreement between Georgia and the sponsor group of the Baku-Tbilisi-Ceyhan Main Export Pipeline is planned for October 18th in Tbilisi, according to president of the Georgian International Oil Corporation George CHANTURIA. The sponsor group includes BP Amoco, Itochu, and Ramco. He told Prime News Agency that Azerbaijan will sign the same agreement in Baku on October 16th, while Turkey will sign it on October 19th in Ankara. Azerbaijan State Oil Company's (Socar) President Natik ALIYEV said that this month US and Turkish companies will receive permission from the Azeri government to start geodesic works for the Baku-Tbilisi-Ceyhan Main Export Pipeline route. He said that works will cost $120 million. CHANTURIA stressed, "With signing this document by the country-owners of the territory, the preparation stage is practically over and new, practical realization stage is starting." According to him, the detailed engineering will start soon which will last only a few months. CHANTURIA said that after signing the agreement, the office of the engineering group will open in Tbilisi.
· A proposal for a New Union-Liberal Union coalition government has been presented to Lithuanian President Valdas ADAMKUS. The two parties, which received the second and third-most seats in Sunday's parliamentary election, have agreed to share the top two political posts in the coalition agreement, expected to be formally signed on Thursday. Rolandas PAKSAS, a former prime minister with the ruling Conservative party who is now the leader of pro-market Liberal Union, was likely to become prime minister, while Arturas PAULAUSKAS, the head of the New Union, was to take the parliamentary speaker's position. ADAMKUS has to approve the next prime minister. The Social Democratic Party, led by Algirdas BRAZAUSKAS won the most seats Sunday, but failed to win a majority needed to form a government. "This looks very strange when we, the group that grabs the biggest share of the vote, are forced into the opposition," BRAZAUSKAS said. The Social Democratic Party won 51 seats (31 percent), New Union earned 29 seats (19 percent), and Liberal Union won 34 legislative seats (17 percent), as parliamentary seats are determined by individual as well as by party vote totals. The two runner-up parties were able to secure a majority with 71 seats, after the small Center Union, Farmers' Party, and several independent legislators promised to join them, the Associated Press reported.
managed by Marriott International Inc., Reuters reports. "With a respected partner such as Marriott, OPIC looks at this project as one beneficial to both US business and Georgia's efforts to establish a sound financial infrastructure," OPIC president George MUNOZ said. The Hotel Tbilisi is scheduled to open in early 2001 and the hotel on Freedom Square is expected to be completed next autumn. OPIC provides investment support to small, medium and large US businesses expanding into emerging markets around the world.
· The state carrier of Azerbaijan, Azerbaijan Airlines (AZAL), on Monday received the first of two Boeing 757-200 jet liners. Boeing said the plane, powered by two Rolls Royce engines, was delivered to AZAL at the Baku International Airport and the second plane is due in November. The 757-200 is capable of transporting 239 passengers in a one-class configuration up to 7,240 km (4,525 miles). The two planes are part of a deal signed between AZAL and Boeing in 1998, reached with the participation of Azerbaijan's President. Boeing gave no financial details, but the state newspaper quoted US ambassador Stanley ESCUDERO saying the planes cost a total of $120 million, $66 million of which would be financed by the US ExImBank.
payments with construction projects and goods deliveries. "Ukraine will build...a $30 million fertilizer factory, a $75 million gas compressor station and a railway bridge across the Amu Darya River at a cost of $124 million," the official said. "These will cover the bill for gas supplied last year." He added Ukraine would also supply gas pipes worth $100 million to Turkmenistan to cover the rest of the arrears.
· The leaders of Russia, Kazakhstan, Kyrgyzstan, Tajikistan, Belarus, and Armenia, which make up the Collective Security Council of the Commonwealth of Independent States, met in Bishkek to discuss a blueprint for joint military operations in the region over the next five years. Kyrgyz President Askar AKAYEV said, "Forming a modern and effective collective security system has acute importance for the Central Asian region, which has become the main target of military attacks by international terrorists and religious extremists. The situation is aggravated by the unsettled conflict in Afghanistan and it poses a serious threat to the national security and stability of each of the Central Asian nations." Russian Defense Minister Igor SERGEYEV did not give details on the security pact forces' numerical strength or where they would be deployed. Russia has deployed about 25,000 troops in Tajikistan near the Afghan border. These forces have been put on alert amid fears that more 100,000 Afghan refugees could spill across the border to flee the approaching fighting. Kazakhstan, by far the largest, most powerful and stable country in the region, has backed Russia in warning of the Taliban threat, as have Belarus and Armenia. Kyrgyzstan has become a target of continual forays by Islamic militants, seeking to infiltrate Uzbekistan and build a radical Islamic state near the Fergana Valley. Uzbekistan withdrew from the CIS Collective Security pact and joined GUUAM. Russian Vladimir PUTIN has visited Uzbekistan and Turkmenistan, two nations where Moscow's influence is waning. Uzbek President Islam KARIMOV has recently cautioned against increasing Moscow's role in the region.


text:
EBSCO eBooks – A Good Fit for Claremont Lincoln University
~ eBook Business Collection Provides Nice Blend of High-Quality Books ~
IPSWICH, Mass. — May 18, 2015 — Claremont Lincoln University, in Southern California, has opted for EBSCO eBooks from EBSCO Information Services (EBSCO) to provide students with the perfect collection of subject-specific titles for their research needs. The university selected EBSCO's eBook Business Collection which is offered on an annual subscription basis with unlimited simultaneous user access.
Finding high-quality titles was an important factor in Claremont Lincoln University's search for an e-book vendor. Esteban Aguilar, library consultant at the University, says "EBSCO's Business Collection offered a nice blend of business books that work well for the program offered at our institution. The quality of the titles is high. The books are of scholarly material but not so deep to be incomprehensible to the average user. It is a nice blend of high level and introductory work, which made it an appealing option."
EBSCO's eBook Subscriptions contain large selections of titles across various subject areas to complement any library collection. Packages are offered on an annual subscription basis with unlimited simultaneous user access at a fraction of the cost of purchase. In addition, titles are added to subscription packages frequently at no additional cost.
EBSCO eBooks offers more than 700,000 e-books and audiobooks. EBSCO proactively acquires new content in critical areas, based on the dynamic needs of libraries. Accessing the EBSCOhost® platform for e-books and audiobooks saves librarians training time and adds a well-known search platform to the end user's experience. Allowing end users to search for e-books and audiobooks along with their EBSCOhost database content improves the discoverability of library collections.


I interviewed a few of my relatives instead of just one so I could get a mix of how my family does different things. To start off with some the traditions we celebrate almost every major holiday. In January we celebrate new years and every year we buy as many fireworks as we can, we also make bar b ques and have all the family come over. We start off with a fire in our backyard, so we can stay warm and we usually have a party on new years eve.
My dad is always the one to cook the food, the main thing we love for him to cook is chicken wings and beef fajitas. Once the sun starts to go down everyone comes over and starts to drink and we play a few games. Our number one game we like to play is Uno when there is a winner that winner gets to pick who is going to take shots. Once it starts to get dark the kids pop a few fireworks, but we don't do all of them until midnight hits. Once there is a minute or two before midnight we make sure we have all the big fireworks ready to go and we start our countdown. When it hits midnight, we let all the fireworks go off and they look very beautiful, this is a tradition that we have been doing for years and I enjoy it every time.
The next tradition we do is Halloween, that is one of my favorite holidays my dad's birthday is on that day and its double the fun. We make our house into a haunted every year for the kids to come through and get candy. All of us in the house dress up in a costume, I am usually a vampire, my mom is always a clown, and my dad dresses up as something scary. We also throw a Halloween party for my dad and we make sure to decorate the cake like a grave. I always make a chocolate cake for him and then I put white frosting on top then I crumble up Oreo cookies to make it look like dirt. I then use the cookies that are kind of oval shape to look like grave stones and I write RIP on them. I do this every year for him and it comes out amazing. Before we start giving candy away at night we go trick or treating first. In my opinion, someone is never too old to go out and get candy I cherish every moment with my parents and siblings, so I enjoy going out trick or treating every year. Every year on Thanksgiving we head to my hometown in George West TX, my grandma is always the one to cook food. Our Thanksgiving is a little different we must go to my mom's side of the family and then my dad's, so its double the amount of food we get to eat.
Every Thanksgiving my we get my great grandma out of the nursing home and bring her to my other grandma's house with us. She cooks about ten different things from two kinds of turkeys, ham, green beans, mashed potatoes and many desserts. Before we eat we take a family picture every single year just in case one of us doesn't make it to the next Thanksgiving. Once we finish at my grandmother's house we head to my aunt's house, that's the wild side of my family so it is always a party when we are around them. She also makes turkey and stuffing and since I don't eat much I decided to eat food and my grandma's house and dessert at my aunt's house, so no one will say I didn't eat their food.
The last major holiday we celebrate is Christmas of course and every year we go all out. I love to decorate the outside and inside of our house right after Thanksgiving is over. My moms favorite color is white and red so that's what we do every year. Our Christmas tree is always red with apples and red bows and we have never changed the color. My parents always buy me and my brother and sister many gifts. I get to wrap their gifts, but my mom never lets me wrap my own no matter how old I get she doesn't let me see them. By the time Christmas comes our tree is stacked with gifts underneath it. If my dad is home on Christmas, then we wait until the morning to open them but if he must work on that day then we open them Christmas eve before he leaves to work. As I and my siblings get older we try to keep the spirit but slowly it fades away.
Some childhood games my dad used to play was the all-time favorite hide and seek of course and he and his friends would all be involved to make it more fun. Since they lived in a very small town they would spread out in the neighbor hoods and find each other. Sometimes they would all get together and play baseball at the park and just make their own games. My dad even made up of this game called drive fast or get passed, he and all his friends would gather up their old school cars and race and whoever won had to tell the other person what they wanted them to do. I thought about this game and I thought it was kind of cool and I'm sure it would be dangerous but back then no one bothered them, and it was normal. Back then when my mom would hang out with my dad as friends they would play the game spin the bottle at parties they would go to. I thought that was very unique and old school because now and days our parties are wild and uncontrollable. They also had a game they played when they went fishing and whoever caught the most fish would win, the loser had to take a dip in the river. The games they played were crazy, but they seemed somewhat fun.
Some beauty secrets my mom had been she would rub some of that slimy stuff she got from a plant of her face to help her with breakouts. I think therefore now she has a smooth face and she never breaks out. She usually does her makeup how I do but she doesn't use as much foundation since her face is sensitive. Back then my mom never died her hair, so she never damaged it and it was really long.
got us sick by their compliment.
When it comes to cooking my grandma makes the best food, to start off her banana pudding is amazing. She starts off with cream cheese and mixes it until its fluffy. She then beats in condensed milk, the pudding package and the regular milk in. Once she is done she puts it in a glass bowl and keeps it in the fridge for a little and then tops it off with bananas and vanilla wafers. It comes out amazing I can eat it all day. Another dish she makes is stew, she usually makes the stew with a wide variety of vegetables, spices and ties it together with a thick sauce. First, she fills up a big pot with water. She doesn't fill it up too much because the vegetables take up space. Then, she begins to through in all the plants based on how long they cook. She usually dumps in the onions, zucchini, potatoes, carrots, corn on the cob and a block of beef broth at first. Then, she waits for about 30 minutes before she dumps in the mushrooms, green peppers, garlic, and tomatoes in it. After all that, she takes out a frying pan and starts to brown the meat up. She usually spices the beef cubes before throwing it into the water. Some people like to skip this part, but it adds more flavor. Once she finishes browning the meat, you throw it in with the rest of the mixture. Add some salt and pepper at this stage as well. After about an hour or so, she then thickens the entire dish. The way to do this is to take a bit of flour, like 1/8th of a cup and 3/4th of milk and mix it well. She likes to make sure to get rid of all the clumps of flour in the mixture. Once mixed, she adds it to the stew, and you'll instantly see the color change to a light brownish color. After about 20 more minutes the stew is ready to eat. This is one of my favorite food dishes to eat and it helps me when my nose is stuffed up because it's so hot.
Going on to some family tales about four years ago I and my family took a trip to Colorado. The drive took about seventeen hours and it was the longest drive of my life, we stopped in a couple places before we got there as well. The first place we stopped was Roswell and I have never seen a small town full of an alien theme before. Apparently, aliens have been sited there before so now everyone that lives there believes I aliens. I thought it was very unique that they experienced something like that personally I haven't but one day it would be cool too if I'm safe. The next place we got to was Carlsbad New Mexico, this place was amazing we stayed there a couple nights. In the middle of nowhere, there was this place in the middle of these huge mountains called sitting bull falls, it was this place that had a beautiful waterfall and water holes to swim in. I thought it was so pure and natural, the smell was just clean, and the water was perfectly clear, and the temperature was nice and fresh. We were even able to hike a little where the water was coming down from the waterfall and at the very top, there was another waterfall it was breathtaking. There were clear water holes and people were just jumping on them and swimming around. I plan to go back to that place very soon. Another place we visited before we got to Colorado was a place called royal gorge. This place had my adrenaline going, to start off me and a friend got on this zip line that was thousands of feet in the air attached to two sides of mountains. At first, I was scared because it shot us out at about 50 miles per hour but once I got through that the view was amazing. You could see people that look like ants at the very bottom and there was people water rafting at the bottom as well. We also were able to get on this bridge that went from one mountain to another and looking down was so scary. It was so high in the air that if anyone falls there is not a chance of survival. There was also so many people walking and driving on the bridge you could feel it moving as you walked with the wind blowing. The weather was amazing compared to how it is here in San Antonio, it never got about 75 degrees and it was always fresh. The last thing we did there before we took off to Colorado got in this cage that took us down a hill and it was the steepest hill I have every seen. The view was gorgeous, but my heart was pumping the whole way. I hope I can visit this place again because the views were just speechless, and I recommend anyone to take a trip there. Once we arrived in Colorado the real fun started, we stayed at this place called Estes Park. The place my parents picked out for us to stay was a small cottage and there was a river behind us that was drop dead pretty. The water was freezing but it was flowing and clear. We got to ride horses through the hills and we even got to try water rafting. Looking back on our trip this was defiantly a family tale worth talking about all the time. I and my family had a lot of fun and we're hoping we can visit there again.
My dad told me this crazy folk tale that happened to me when I was about five, my dad took decided to go to my uncle's house one day and took me and my cousin with him. He had this old pickup truck that was lifted and had big tires on it, he ended up getting off quick and left me and my cousin in the truck. Since the truck was sitting on the hill I guess I decided it was okay to put it in neutral and the truck took off down the hill. My uncle and dad freaked out so bad they started chasing the truck, apparently, I was laughing, and my cousin was crying. He was finally able to jump in the truck and stop it, but he was terrified he told me I was lucky he was able to jump in there before something bad happened. My grandma would tell me stories of how my uncle would mess around with the Ouija board. One time she said he was trying to play it in her house and the lights started flicking off and on. She did n't know he was playing it, but she started to see shadow figures and found out what he was doing. From this day she now believes in ghost and demons according to her, she saw a demon. I have never experienced anything like that and I hope I don't but her telling me the story I thought it was unbelievable.
A family tale worth talking about is when I and my family first went to a waterpark, I was about 15 years old. It was in New Braunfels at Schlitterbahn this is the best water park I have ever got to visit. It has about three parks in one, every year for my birthday we stay there, and the park lets us go in an hour early and stay out until midnight. The rides are extremely fun, and the best part is the dip n dots they sell. I cannot leave without getting me a bowl of that ice cream.


Ann Marie Benitez serves as the Senior Director of Government Relations at the National Latina Institute for Reproductive Health, where she is responsible for NLIRH's Washington, D.C. office and oversees all the government relations and policy advocacy work. She comes to NLIRH with over a dozen years of experience in the policy and political arena. For over six years, she was the public policy director for Planned Parenthood Affiliates of California, Inc. (PPAC) and Interim Vice President at the end of her tenure.


Beauty on Bank, Hair Salon & Spa, is Expanding in Ottawa South & Adding Massage Therapy!
Have you felt the rumble in Ottawa South? From Landsdowne Park (TD Place ) to Findlay Creek, Ottawa South is springing to life. Notice the cranes everywhere? What is going on?
Change is moving so fast and we, at Beauty On Bank Hair Salon, see so much potential. Once a run down, busy but neglected hub, Ottawa South is quickly becoming the city's next 'Westboro' or 'Glebe.' With Mooney's Bay, the O-Train, the Earnst and Young Centre and the Ottawa International Airport all close by, we can't help but want to expand along with our growing and vibrant community.
Our location, on Bank Street just south of Walkley Road (which we consider very near perfect), is also close to three major Ottawa hospital campuses, inspiring us to accommodate our very deserving clientele with the best hair styling and beauty services in the area.
We are tremendously excited as we foresee an abundance of new energy in Ottawa South. With the updating of restaurants, new condos, retail shops and hotels, we are inspired to expand our own location to keep up with the times and growth of our marvelous community.
Our decor will boast hard wood floors and brick walls to mirror the 'Distillery District,' with all its warmth and charm.
Our growing vision is part of our commitment to a 'service orientated process' in order to ensure that you have the friendliest experience possible. We offer some of the best and latest beauty services, including: hair styling and colouring, aesthetics, nails and professional retail, along with our new service… registered massage therapy!
As of mid-September, we will be adding registered massage therapy to our long list of services at Beauty On Bank. Our growing clientele will appreciate a one-stop health and beauty services environment. Vada Cavanough (RMT), will be joining our talented team this September. As a Registered Massage Therapist, who also provides acupuncture and hot stone massage, Vada will be issuing insurance receipts for her services. I can't wait to enjoy a nice, relaxing massage myself, to lift my stresses and cares away.
Ottawa's # 1 South End Salon has never felt better, inside and out!
Love us on Facebook and stay posted for our 'Meet and Greet' event in mid-September.
Shelley and The Team @ Beauty On Bank!
Previous PostPrevious Beauty on Bank Learns The Latest Hair Styling Trends & Techniques at Redken's Fusion 2014!
Next PostNext Our Newly Renovated Hair Salon and Beauty Spa in Ottawa South is Now Open for Business!


Can Anyone Please Tell Me Ten Golden Rules For A Successful Marriage?
For a successful marriage the most important factors are mutual trust and respect for each other. It'll give you a severe headache and sleepless nights if you don't respect or trust your life partner and you'll be expecting problems. Therefore before choosing your life partner first search your soul and heart about him/her. If your inner voice is not positive and you've got doubts over the loyalty and commitment of your life partner it's better not to tie a knot with that person.
Since getting married is not a joke that's why it should be taken very seriously and every aspect and angle must be taken into consideration. Here are some golden rules that may help you in living a happy married life.
1.	Develop mutual trust with each other.
2.	Follow a "Give and Take" policy.
3.	Start every day a "New and fresh" day and bury all the problem of yesterday with it.
4.	Admire and praise each other open-heartedly and regularly.
5.	Understand your partner's problems and co-operate with him/her in solving the problems.
6.	Exchange "gifts" with each other.
7.	Never remove romance from life.
8.	Develop the ability to admit mistakes and ask for forgiveness.
9.	Always tell each other that you are the luckiest person to have such a loving life partner.
10.	Be loyal and sincere with each other.
I think there are some other issues worth mentioning.
2. Slow to speak, Control your tongue. Words will destroy a lifetime of friendship.
3. Give, give, give -reap what you sow.
6. Repeat all of the above daily.
Trust, respect, sacrifice, patience and -the most important- truly love.
Smiling charming old couples make us wonder as to what is the mantra of their successful marriage. No marriage is perfect and any two individuals living together are bound to have differences of opinion; but it needs a lot of adjustments and compromises to be able to live happily ever after.
2. There has to be give and take in a marriage and allow each other space to grow.
3. Do not both be angry at the same time and shout at each other unless the situation demands it.
4. Allow your partner to win the argument.
5. Phrase the words very carefully, while criticizing so as not to hurt each other.
6. Never rake up past mistakes.
7. Keep the romance alive in the marriage. Appreciate each other and nurture the relationship by taking care of each others likes and dislikes.
10 Always remember money does not buy happiness but a happy marriage can make life meaningful and enjoyable.
I don't think there is golden rule for a successful marriage. It is just, when you marry a person, you are in love with that person. When a person is in love, (truly in love) he or she treat the person he/she with respect, it's just make sense because you don't want to not this person not love you any more if you don't see it that way. But of course, that' also a clue to know if that other person love you is if they treat you with respect back. So, You get love, when you give love, you get respect, when you give respect. If you are the only one giving love and respect, you are already abusing your own self and might be the faulty side because your telling the other person to just use you in a way. It has to be balance but it can also be discussed with your partner.
There is really only one rule - LOVE EACH OTHER BEYOND ALL ELSE!!
Many different rules and regulations can be told for a successful marriage but I shall try to highlight only those rules, which are more affective and easy to act upon.
1.	First of all you should have true trust on your wife. If she takes certain decisions for the betterment of the family, you must second her.
2.	You must be sincere to your wife and children as well as to your house.
3.	You should take care of the needs of your wife and children.
4.	You should try to earn that much which is sufficient to fulfil the requirements of your family.
5.	You attitude towards your wife and children always love.
6.	You should take care for the relatives of your wife.
7.	You must often appreciate the dishes and foods, which your wife cooks for you and your children.
8.	Make yourself able to lead the life of compromises.
9.	Visit your in-laws whenever your wife asks to do so.
10.	Above all you should have true love for your wife as well as your children.
By adopting these rules you can enjoy a successful marriage.
I don't believe in rules in a marriage.I believe in love, honor and in trust.But I do believe that God comes first then your spouse then your children.But I do believe that you should always tell each other every day how much you love each other.And remember never go to bed mad.Thats a no no.
Try not to ever go to bed angry.. We always kiss at night, and say I Love You... We just never want to have to say "I wish I would have told him/her I Love You one last time. When I leave for work in the morning, we always Kiss and say I Love You.
Trust is important and that goes along with the removal of jealousy.
Open communications. Listening as well as speaking.
Being friends along with lovers.
Being able to compromise and give more than you take.
Strong effort in trying to understand the others feelings and the knowledge on the others that you can't always totally understand what the other is feeling.
Having similar desires for how you want to live the remainder of your lives.
Financial stability. Knowing what moneys are available and what you have to live on along with living within your means.
Taking care of the physical needs of your partner.
Being happy with yourself so that you can be more happy with your spouse and family.
Can Anyone Tell Me The Restriction Code For A Nokia 6300?
Please Give Me An Overpopulation Poem! Or Can Anyone Tell Me Where To Find One?
Can anyone please provide me with a serial number for Adobe Acrobat XI pro 11.0.06?
please tell me the safe combination of blood groups for marriage?
Can anyone tell me a toll-free number of American Airlines for flight reservations by phone?
How Many Times Did Wilbur Smith Marry?
What Are Common Marriage Problems?
BEWARE! Big Lots Has A No Return Policy Without A Receipt. So If You Get A Gift, Please Include The Receipt In With The Gift Or They Can't Return It. Unlike Pricey Stores Like Kohls, Belk, And Macys, Big Lots Stores Have "Golden Rules." Why?
I Need To Give A Bride Marriage Advice As Part Of A Bridal Shower. Since I Have Never Been Married Can You Help?


After several years of inaction, pressure is building in Washington to impose tighter rules on banks and finance companies that specialize in lending money to homeowners with blemished credit records.
Representative Jim Leach, the Iowa Republican who is chairman of the House Banking Committee, said last week that his committee would be pressing for more vigorous enforcement of a law adopted in 1994 to combat deceptive lending practices, and may do more.
The consumer finance industry, which is regulated by the states, has been sharply criticized in recent years for the actions of aggressive lenders who mislead borrowers into taking out home equity loans with excessively high fees and interest rates. Some borrowers have lost their homes and others are struggling to meet escalating payments.
In 1994, Congress enacted a law intended to curb those practices, but more than two years ago, the Federal Reserve Board and the Department of Housing and Urban Development warned that the law had failed to stem a tide of deceptive lending.
''Abusive practices continue to exist'' and would continue unless Congress drafted ''substantive protections'' of consumers, the report said.
Little action resulted, even as the industry continued to expand with billions of dollars raised by leading Wall Street investment banks. Neither the Fed nor HUD followed up with a formal legislative proposal, Congressional aides said. And the Republican leadership in Congress, which believed the 1994 law gave regulators broad authority to attack the problem, was distracted by presidential impeachment, a global financial crisis and a prolonged fight over Depression-era laws governing banks and brokerage houses.
That all may be about be change.
Even before Mr. Leach's blunt call for stronger steps by regulators, all four federal banking regulators -- including Alan Greenspan, chairman of the Federal Reserve -- had spoken out against deceptive lending practices, and some are beginning to develop new regulations.
In addition, a large and influential corporate player in the nation's mortgage markets, Fannie Mae, has decided to put its considerable influence to work to establish enforceable industry standards.
And with state lawmakers taking matters into their own hands -- North Carolina has already adopted the toughest law in the country and other states are considering action -- some segments of the industry are becoming more willing to consider a federal law that could head off 50 state laws restricting their business.
Complaints about unfair and deceptive loan practices have intensified since 1994, when Wall Street began to pump substantial amounts of money into the industry through the sale of securities backed by home equity loans to so-called subprime borrowers, those with less than perfect credit ratings.
One company that specialized in subprime loans, First Alliance Corporation, a nationwide home equity lender based in Irvine, Calif., recently stopped making new loans and filed for bankruptcy protection. The mortgage company was facing a number of lawsuits accusing it of deceptive sales practices.
The industry insists that deceptive practices are rare and that subprime lenders make credit more available for people who once had few options beyond the local pawnshop.
But consumer advocates and regulators -- and lately, a few mortgage industry leaders -- say even some of the largest subprime lenders engage in predatory practices.
''I think the problem is getting worse because it's getting more brazen,'' said Franklin D. Raines, the chief executive of Fannie Mae, a government-chartered corporation that finances most of America's home mortgages through the purchase of loans from original lenders.
Mr. Raines's company and another federally chartered loan financing corporation, Freddie Mac, are already taking steps to ensure that their own loan purchases do not encourage predatory practices.
But Mr. Raines, in a recent interview, said he also intended to lead an industrywide campaign -- fashioned after an earlier nationwide effort to discourage investment in South Africa -- that could deny abusive lenders access to Wall Street capital.
His approach is modeled after the Sullivan Principles, named after the Rev. Leon H. Sullivan, the Philadelphia civil rights leader who in 1977 developed a code of conduct for companies doing business in South Africa. His efforts have been cited for helping to end apartheid.
''It is very hard for Wall Street to know, from where it sits, which loans are predatory,'' Mr. Raines said. But once ''Sullivan-like'' principles are in place and adequately monitored, he said, Wall Street could refuse to finance any lender that did not subscribe to those principles.
Wall Street, where Fannie Mae is a formidable voice, is also sensitive to the views of Mr. Greenspan. And he, too, recently condemned predatory lending practices.
The Fed has formed a multiagency study group to explore ways to address predatory lending, aides to Mr. Greenspan said.
Mr. Greenspan's remarks echoed warnings by John D. Hawke Jr., the comptroller of the currency; Donna Tanoue, chairman of the Federal Deposit Insurance Corporation; and Ellen Seidman, the chairman of the Office of Thrift Supervision.
On Tuesday, Ms. Seidman will call for public comments on the problem, the first step in developing new rules.
As for new legislation, Representative John J. LaFalce, a Democrat from Buffalo and the ranking minority member of Mr. Leach's committee, is preparing to submit an antipredatory lending bill. Mr. Leach did not openly support that effort, but his interest in the issue was encouraging, consumer advocates said.
The report the Fed and HUD made to Congress nearly two years ago provided a road map for legislation. Its recommendations included providing clearer and earlier disclosure of loan fees and loan amounts; prohibiting certain loan terms, like large balloon payments that force borrowers to refinance their mortgages; and establishing minimum standards for foreclosures, which are now governed by state law.
Like Mr. Leach, the report called for more active enforcement, but it also recommended tougher penalties for violating fair-lending laws, and called for steps to make it easier for consumers to sue deceptive lenders.
Enforcement of all federal fair-lending laws falls largely on the Federal Trade Commission, which has recently made lending cases a top priority, said David Medine, associate director of the commission's division of consumer protection.
The National Home Equity Mortgage Association, which represents subprime lenders, has spent at least $300,000 in the last three years on lobbying efforts in Washington, according to records assembled by the Center for Responsive Politics. Its allies include the Consumer Mortgage Coalition, representing many large mortgage lenders, which has spent more than $2.2 million on lobbying since 1997.
Both organizations -- and some consumer advocates -- adamantly oppose Fannie Mae's involvement in the subprime market. Mr. Raines says such opposition ''only invigorates us,'' but industry opposition nevertheless could distract Congress from taking meaningful action.
Even here, though, there are signs of a thaw in the industry's views.
People in Congress who have recently tested industry sentiment say they found less uniform resistance in recent weeks. ''They're divided -- there is some support for a federal law, and there are others who just aren't decided yet,'' one Congressional aide said.
Action would become far more likely, of course, if the mortgage industry determines that federal legislation is preferable to a proliferation of strong state laws addressing predatory lending.