Close-up photographs of the fan blades in the port (No 1) and starboard (No 2) Rolls-Royce Trent 800 engines of the British Airways Boeing 777 that crash-landed short of London Heathrow Airport's runway 27L yesterday show dramatically different damage patterns.
The considerable damage to the No 1 fan - at least one blade missing completely and most broken off about half way between root and tip - is consistent with the engine turning with at least some power on as the gear collapsed and the engine contacted the soft ground.
The No 2 engine has received damage from the ground consistent with it being stationary or windmilling with little or no power on.
Photographs also show the ram air turbine (RAT) just behind and below the wing trailing edge on the starboard lower fuselage, but it is not certain whether this had been deployed or not. The RAT would deploy automatically on electric or hydraulic failure or can be deployed manually by the crew.
Engine power loss appears to have been the cause the accident, in which the 777 landed just inside the airfield boundary some 500m (1,640ft) short of the runway 27L threshold. The 136 passengers were evacuated via all eight slides, with three people suffering minor injuries.
Inbound from Beijing, flight BA38 was on the approach to runway 27L when it appears the crew suffered a loss of power on both engines at some stage late in the approach.
The reason for the power loss is not yet known, but the crew managed to control the descent over the perimeter fence at Heathrow to touch down with wings level, on to grass directly on the 27L extended centreline.
The gear was down, and flap was set at about 20°, and the indications are that the crew had started the auxiliary power unit. On final approach, amateur footage shot of the aircraft shows the aircraft had adopted an uncommonly high nose-up attitude, and that the crew left gear deployment much later that would be normal procedure.
On touchdown the 777's gear dug into the soft ground, the left main gear structure eventually protruded through the top of the wing root and the right main gear separated.
The aircraft came to rest at the edge of the pre-threshold tarmac of runway 27L having made a very short ground run of about 350m. Witness reports of the aircraft attitude as it crossed the boundary fence suggest the aircraft was at or close to its stalling speed.
Sources at Heathrow say the crew had declared an emergency early on final approach but did not have time to be specific about the problem.
Almost all the passengers who have commented since the accident say the approach felt normal and the crew did not provide any warnings, but many did not realise they had "crashed" until the cabin crew ordered the evacuation. There was no fire.


The major FX pairs are mixed at the end of a busy session on Wednesday, although the DXY is slightly lower. The ECB kept monetary policy unchanged, the US CPI come in mixed but pretty much in line with expectations and the FOMC Minutes showed that the Fed are unlikely to make any move on rates in the foreseeable future given the risks to the US economy from a global slowdown and uncertainty over trade policies and financial conditions.
ECB president Mario Draghi did not say anything new in his press conference although he did acknowledge that the previously mentioned downside risks are materialising.
The March headline US CPI accelerated to 1.9% yy, up from 1.5% yy and beat expectation of 1.8% yy. However, the core CPI slowed to 2.0% yy, down from 2.1% yy and missed 2.1% yy.
Elsewhere, Sterling has been choppy, with traders currently waiting on a decision from the EU leaders as to whether to grant the UK an extension to the current Brexit date. This is likely to be approved and should underpin Cable although the result at this stage is unknown.
Looking ahead, Thursday will be dominated by inflation data; this coming from China (CPI, exp -0.2%mm, +2.3%yy; PPI, exp +0.5%yy) Germany (CPI, exp +0.4%mm, +1.3%yy; HICP, exp 1.4%yy), and the US (PPI, exp 0.3%mm, 1.9%yy; Ex F/E, exp 2.4%yy). Ahead of that, the day kicks off with the NZ Food Price Index, Australian April Consumer Inflation Expectation and another speech from the RBA's Debelle. Otherwise the day is fairly empty aside from various Fed speakers, due late in the day. Have a good day.


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Gear ›
Leo Kottke & Mike Gordon Collaboration Returns with Noon
The duo's first album in 15 years will have 11 new songs and be available on August 28 (digital) and November 20 (physical release).
New York, NY (August 19, 2020) -- Acoustic guitar pioneer Leo Kottke and Phish bassist Mike Gordon have announced the release of their first new album together in 15 years. NOON arrives via ATO Records at all DSPs and streaming services on Friday, August 28; the album's physical release is set for Friday, November 20. Phish Dry Goods will have a limited pressing on clear vinyl with Red/Gold splatter. NOON is heralded by today's premiere of new songs "Ants" and "I Am Random," both available now at all DSPs and streaming services. American Songwriter premiered the songs earlier today with a Q&A feature.
Intricate, warmly askew, and indelibly dexterous, NOON showcases 11 remarkable new tracks created by two of the most accomplished and idiosyncratic instrumentalists in American music. The album – which marks Kottke's first studio record since his previous collaboration with Gordon, 2005's 66 STEPS – was recorded in New Orleans and Vermont, with music exchanged between the two artists by file, tape-sealed boombox, sheet music, and face-to-face. Working with longtime Gordon collaborator, producer/engineer Jared Slomoff, Kottke and Gordon have crafted a singular collection of improvisational mood music, including a stripped-back version of Gordon's classic "Peel" and Kottke's stark rethinking of the Byrds' "Eight Miles High." NOON further includes a bopping cover of Prince's "Alphabet St." featuring Phish drummer Jon Fishman, who also joins Kottke and Gordon on four additional tracks. In addition, the LP includes nearly ambient appearances by pedal steel player Brett Lanier (The Barr Brothers) and cellist Zoë Keating (Imogen Heap, Amanda Palmer, Tears For Fears).
"The vibe is very different from the other two albums," says Gordon. "I was hearing a darkness in the material Leo was bringing, and some of the material that I wanted to bring, that I thought just reflected going through 10 more years of life. There are overdubs, but it's still more like you're in a cafe or a living room with these two guys. And even when we had drums, we wanted to maintain that feeling."
"I just knew there was a shape and that we were following it," says Kottke. "We were trying to get to that place that we get to in a little room, just chasing each other. We've found that at soundchecks, and at my place, or his place, or some motel room. We wanted to get that late night feel. It's a more intimate record than the others are, I think there are depths to it."
Leo Kottke and Mike Gordon have both staked out distinctive and original roles in the annals of American music. Beginning his career on John Fahey's Takoma label in 1969, Kottke virtually invented his own school of playing with his distinct, propulsive fingerstyle. As a co-founder of Phish and solo artist, Gordon has both created both a boundary-pushing discography and helped inspire a generation of improvisers.
The pairing of Kottke and Gordon began some two decades ago when Gordon – a devoted fan of Kottke's music – audaciously overdubbed a bass part over the veteran Minnesota guitarist's 1969 solo track "The Driving of the Year Nail." Gordon hand-delivered the piece to Kottke and the two musicians struck up a fast friendship and musical partnership, beginning with 2002's CLONE and followed by SIXTY SIX STEPS.
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redpajama_set_name: RedPajamaCommonCrawl


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Last season, Team Flash spent the last year dealing with not one, but two Cicadas, the return of Eobard Thawne, aka Reverse Flash (Tom Cavanagh), and the surprise arrival from the future of Barry and Iris' daughter, Nora West-Allen, aka XS. The stakes were higher than ever during the season five finale, which culminated in Barry and Iris (Grant Gustin and Candace Patton) losing their daughter after only just getting to know her. How will they deal with saying goodbye to their speedster daughter, and what does Thawne's escape mean for Team Flash? Find out in season six, as Team Flash contends with an all-new villain, Dr. Ramsey Rosso (Heroes' Sendhil Ramamurthy) aka Bloodwork!
The Flash, Season 6
In the season six premiere, Barry (GRANT GUSTIN) and Iris (CANDICE PATTON) deal with the heartbreaking loss of their daughter, while the team faces their greatest threat yet.
A Flash of the Lightning
Faced with the news of his impending death, Barry's resiliency suffers as he struggles to fight fate. Meanwhile, Cecile's career as a D.A. conflicts with her identity when she crosses paths with a villainous meta-human. JOHN WESLEY SHIPP returns as Jay Garrick.
Dead Man Running
Knowing that Crisis is only weeks away, Barry prepares a member of Team Flash for life without him while hunting a terrifying metahuman with an unquenchable thirst. Meanwhile, Ralph uncovers a family secret.
Barry's efforts to prepare Cisco for Crisis are derailed when Cisco schemes to save Barry's life instead. Meanwhile, Ramsey Rosso (recurring guest star SENDHIL RAMAMURTHY) uses his deadly new abilities to save his own life, while sacrificing his humanity in the process.
Kiss Kiss Breach Breach
Cisco's faith in his ability to fill Barry's shoes as Team Leader is upended when he learns of a shocking murder. Meanwhile, Killer Frost trusts no one except herself to hunt down the dangerous Ramsey Rosso.
License to Elongate
Barry turns his attention to prepping Ralph for life after Crisis (and without The Flash), but Dibney ultimately teaches Barry a lesson. Meanwhile, Cecile faces her own moment of self-discovery while helping a recuperated Chester P. Runk (guest star BRANDON McKNIGHT) to reclaim his identity. Series star Danielle Panabaker directs.
The Last Temptation of Barry Allen, Pt. 1
This week an all new episode of The Flash.
With The Flash freshly infected by the monstrous Bloodwork (SENDHIL RAMAMURTHY), Iris and Cisco battle to help Barry take control of himself before he's lost forever to Ramsey's influence. Meanwhile, the rest of Team Flash fight to reclaim control of Central City from Bloodwork's growing army in the second part of the midseason finale.
Crisis on Infinite Earths: Part Three
In the third chapter of the Crossover, Pariah (TOM CAVANAGH) enlists Black Lightning (guest star CRESS WILLIAMS) to help stop the Anti-Monitor (LaMONICA GARRETT) after Flash-90 (recurring guest star JOHN WESLEY SHIPP) shares what he learned from his battle in "Elseworlds." With the help of Black Lightning, Barry, Cisco and Killer Frost come up with a plan that could save them all. Meanwhile, Iris has a heart-to-heart with Ryan Choi (guest star OSRIC CHAU), while Oliver (guest star STEPHEN AMELL) and Diggle (guest star DAVID RAMSEY) return to an old familiar stomping ground.
The Flash Season 6: Comic-Con 2019 Sizzle
An exciting look at the threat and challenges team Flash will face in Season 6.
The Best of DC TV's Comic-Con Panels San Diego 2019
See the best highlights from the 2019 San Diego Comic-Con panels of The Flash, Arrow, Supergirl, Black Lightning and the upcoming hit show, Batwoman!
Crisis Past and Present: Kevin Conroy Bat Legend
The iconic voice of Batman and Bruce Wayne, Kevin Conroy, wears the cowl in his first live action portrayal of the Dark Knight.
Crisis Past and Present: Superman vs Superman
Supermen from multiple Earths cross paths in an epic confrontation only made possible when there's a Crisis on Infinite Earths.
Characters in Crisis: Pariah
Witness the tragedy and redemption of the mysterious Pariah.
Crisis on Infinite Earths: The Architects Return
Marc Guggenheim, Dan DiDio, Marv Wolfman, George Perez, Jerry Ordway and Tom Derenick discuss the influence of the original Crisis story on the DC Universe.
Characters In Crisis: Anti-Monitor
Unrivaled power, bent on destroying Earth after Earth, this is the Anti-Monitor.
The masterminds of the Crisis saga share their experiences as they bring the iconic story to television in an epic 5-hour event.
© Warner Bros. Entertainment Inc. All Rights Reserved.
The Flash: Seasons 1-5
Supergirl, Season 5
Batwoman, Season 1
Riverdale, Season 4
Legacies, Season 2
Arrow, Season 8
DC's Legends of Tomorrow, Season 5


Involvement in a $55 million health fraud scheme earned a medical clinic owner 84 months in prison. She pleaded guilty in October 2015 to using her two Brooklyn, New York-based clinics, Prime Care on the Bay LLC and Bensonhurst Mega Medical Care PC to submit false and fraudulent claims to Medicare and Medicaid.
According to the guilty plea, the owner and various co-conspirators paid kickbacks to induce patients to come to the clinics. She then submitted false claims for services induced by these kickbacks or provided by unlicensed staff. She also wrote checks from the clinics' accounts to third-party companies that were ostensibly vendors, but were actually not providing services. These payments were used to generate cash for the kickbacks. The owner was ordered to forfeit over $29 million.
Several other co-conspirators have pleaded guilty to their part in the scheme. These include the former medical directors of both clinics, six therapists, three drivers, a former patient who received kickbacks, and the owner of several of the vendor companies used to launder funds.


It's only early August and there's a briskness to the air on the East Coast. Last year, there was blistering heat, and I craved the cool, foggy days of San Francisco, but this season has changed, and so have I. I mean, on a fundamental level I have not. I was talking to my mother about love, and I told her ever since I was a little girl, I never felt the need to prioritize love. I didn't have the capacity to put friends before a pet, or lovers before colleagues or acquaintances before old friends.
It took me 30 years to learn the term "non hierarchical" in terms of relationships until I was 30 years old, but I immediately connected to the idea, because I'd been living it my entire life. I have always loved people, I've always loved life and books, writing and traveling but have never been able to say that I loved something more than the other. I understand that there are times in my life when I may be more comfortable writing a book than a music album, or when I'd rather teach than perform. There are times when I'd like to be alone, and other times when I'd like to be very social, but the emphasis of my feelings towards the phases of my life was never anything that caused me anxiety. Outside of earning a living, and work to keep social and relational conflict to a minimal, I never felt like there was something I needed to be doing that I was not doing because something came first.
A large reason for this is because I have chosen to not have children yet. I think a child is the only human being that I absolutely know would not fit into a non hierarchical structure. With this said, in my teaching career, I believe I have been successful because I treat adults and children as if they are equal beings. No, I don't use inappropriate language, but I do not value children's thoughts, presence and even advice over adults. I think kids give the best life advice. I think they are observant, and wise and enjoy spending time with them.
The seasons are changing and maybe I am on some levels, or maybe I am just refining what I've always known about myself. The weather and the Earth don't function by the construct of hierarchy. All things are equal. I believe life and love should be fluid.


Does your enterprise require skilled commercial air conditioning maintenance services in the Greater San Diego area? Rely on Precision Temperature for all your commercial AC repair, installation, and maintenance needs! We offer fast, licensed, and experienced maintenance and repair services that will keep your facilities comfortable and productive throughout the year.
All machinery require periodic maintenance and repair services, including commercial cooling systems. Our team has received extensive training in troubleshooting complex commercial air conditioning systems and can replace damaged or worn parts, preventing expensive and uncomfortable breakdowns that decrease efficiency. We possess the skills required to disassemble and clean evaporation coils, pipes, and other sensitive components correctly.
Our technicians understand the importance of communicating about commercial air conditioning repair measures with in-house facilities managers and maintenance personnel. We will work closely with your staff to ensure that our work does not disrupt company productivity or inconvenience your employees and customers. Our excellent reputation in the HVAC industry has made Precision Temperature a popular commercial maintenance and repair choice for the San Diego Area.
Why do so many enterprises invest in ongoing commercial air conditioning repair services? Routine maintenance helps preserve the anticipated lifespan of commercial air conditioning systems. When they choose Precision Temperature, businesses are ensuring that HVAC experts are regularly checking the operation of cooling equipment, which optimizes safety and efficiency. Regular maintenance enhances daily performance, so call us today and get started!


National Currency Information and Value by State.
A list of national banks in each state with and a list the rarest national banks with notes.
The list of banks I have highlighted in each state are only those that are interesting for some reason or another.
Either the title is nice or the bank is hard to find or the issued rare denominations.
National Currency is collected generally by state so I have organized my list this way.
If you have a national bank note from a charter I have listed here please let me know.
I love to see new notes come out of the woodwork and am happy to help appraise your national currency.
If you are interested in selling your national currency I am always buying.
National Currency Information and Values.


MUMBAI: Sports marketing firm Total Sports Asia (TSA) has signed a deal with the United States Tennis Association (USTA) to market and distribute the TV, mobile, home video, broadband and Internet archive rights in Asia (excluding Japan) over the next four years.
Speaking to Indiantelevision.com this evening about the deal, Total Sports Entertainment India MD Navneet Sharma says, "This is a sport that has huge potential for viewership growth across Asia. In India, the sport has received a tremendous boost with Sania Mirza entering the top 50. Earlier this year we signed a deal with Ten Sports for the television rights to the event. Now we have signed the mobile rights to phoneytunes.com with whom we had earlier done a deal for the WWE for ringtones and wallpaper. We have also done a deal with Solar Interactive in the Philippines and iCable Hong Kong.
"We are working with Speedcast on the different features for the mobile content. "As far as the rest of Asia is concerned, the mobile holds promise especially in the South East region. It has helped that players like Paradorn Srichapan have had made a certain amount of impact. Broadband is another new media delivery platform that is growing in that region. We are in talks with different players regarding deals."
Sharma also says that a unique aspect of the deal is the fact that TSA has done a deal with BT Media and Broadcast for a fully managed broadcast distribution service to Asia, for the US Open tennis championships. The dedicated uplink service and satellite link will enable TSA to deliver a dedicated Asian feed.
Elaborating on further plans, Sharma says that in the near future TSA is looking to organise local tennis events in India that will be just one rung below an ATP tour event. India already has an ATP event that takes place in Chennai every year. Sharma is encouraged by the fact that more people are taking to the game now.


This is your resource to memory care in Conesville, IA. Memory care facilities provide housing and care for people age 65 and older with Alzheimer's disease and other types of dementia. Memory care empowers seniors with memory impairment to stay as active and engaged as they possibly can, while living in a dignified, safe and secure setting. Our local Senior Living Advisors are widely knowledgeable about dementia care in Conesville, IA and nearby cities. After an initial consultation, your advisor will recommend a list of memory care facilities that most closely match your loved one's unique imperatives for care and living preferences, as well as your family's finances.
Conesville is a city in Muscatine County, Iowa, United States. The population was 432 at the 2010 census. It is part of the Muscatine Micropolitan Statistical Area.
A visiting dentist helps residents maintain their dental health, caregivers at Bickford of Muscatine can address potential disorientation presented by residents, trained staff can assist with injectable medication, this community was built in 1998, and the community is licensed for 56 residents.
Speech therapy is offered via a speech therapist who comes to the community regularly, caregivers at The Legacy Community are trained to spot potential disorientation presented by residents, staff is trained to deal with any exit seeking behaviors that might present themselves handled, residents can arrange for a room at this community that will allow them to live in this location whatever their healthcare needs are and become, and the community is licensed for 189 residents.
Appetizing and expertly prepared meals are provided to all residents even those with dietary restrictions, physical therapy can be done on-site by a visiting physical therapist, regular occupational therapy by a visiting therapist helps you stay active and engaged, caregiver staff can deal with any wandering issues memory care residents may have, and residents can arrange for a room at this community that will allow them to live in this location whatever their healthcare needs are and become.
Caregivers at Country Manor can address potential disorientation presented by residents, staff is trained to deal with any exit seeking behaviors that may need to be dealt with, wheelchair accessible showers are available at this location, respite care is offered, and this community was built in 1998.
Delicious and wholesome meals are provided to all residents even those with dietary restrictions, a dentist visits this community regularly, residents who drive will find parking available to them, complimentary transportation is on hand for residents, and respite care is offered.
The minimum allowable age of residents is 55, physical therapy is handled by the physical therapist that makes regular visits to this property, regular occupational therapy by a visiting therapist helps you stay active and engaged, this community has been built specifically for the purpose of memory and dementia care, and this property is its own free standing building.
Regular occupational therapy by a visiting therapist helps you stay active and engaged, staff can help residents monitor their blood sugar, the Jersey Ridge Place is especially designed to handle memory care and behavioral issues, complimentary transportation is available to residents, and Jersey Ridge Place is close to major busses.
They serve vegetarian food at Senior Star of Elmore Place, the minimum allowable age of residents is 55, Senior Star of Elmore Place can handle behavioral issues that some residents may have, wheelchair accessible showers are available at this location, and respite care is offered.
The minimum allowable age of residents is 55, a podiatrist visits the community to address any issues related to your feet, a dentist visits this location regularly, the Bickford of Davenport is has particular expertise to handle memory care and behavioral issues, and transportation at cost can be arranged.
Appetizing and healthy meals are provided to all residents even those with dietary restrictions, speech therapy is offered via a speech therapist who comes to the community regularly, full-service medication administration is available, the community is convenient to local bus lines, and this community was built in 1988.
Physical therapy can be done on-site by a visiting physical therapist, regular occupational therapy by a visiting therapist helps you stay active and engaged, staff is available help with your diabetes management, hospice is an option available at this location, and this community was built in 2006.
Speech therapy is available on-site by a visiting speech therapist, staff is trained to deal with any exit seeking behaviors that may need to be dealt with, the property has a nurse that is able to administer injectable medicine, wheelchair accessible showers are available at this location, and hospice is an option available at this location.


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Home » Newsroom » Bank of America Commits Support to Help Philadelphia Students Start Remote-Learning Classes by Mid-April
Bank of America Commits Support to Help Philadelphia Students Start Remote-Learning Classes by Mid-April
PHILADELPHIA, April 3, 2020 — The Fund for the School District of Philadelphia announced today it has received a $100,000 contribution from Bank of America to give laptops to Philadelphia students so they can begin learning from home by mid-April.
According to a 2019 School District survey, only about half of third-through-12th-grade students have the equipment they need to begin participating in remote learning. This gift from Bank of America will support the purchase of Chromebooks which will help level the playing field and ensure that all students who attend the 220 District-led public schools across Philadelphia have the tools they need to learn at home.
"The School District of Philadelphia is integral to our community and all of our city's children deserve the opportunity to be successful," said Jim Dever, Philadelphia market president, Bank of America. "We are here to support our youth in helping to ensure they have the tools they need to learn. We must all work together as one community to address the impact of the coronavirus."
The new laptops will be distributed along with the laptops already in school buildings to students and families. Once the equipment is received at the School District headquarters, it will be dispensed by mid-April. During the interim two weeks, the laptops will be prepared for the students and the District teachers will receive professional development to support remote instruction.
"We are so grateful to Bank of America for its generous gift to help thousands of our students, many of whom will for the first time be able to access remote learning from home," said Superintendent William R. Hite, Jr. ,Ed.D. " Giving students the resources, tools, and confidence they need now will ensure that they are prepared for the future."
"Amid all the challenges of this crisis, I'm struck by all the ways it has brought out the best in all of us," said Donna Frisby-Greenwood, President & CEO for The School District of Philadelphia. "We are focusing these resources on the number one priority—Philadelphia's children—and will do our part to implement this much needed and appreciated gift."
Students and their families who don't already have internet access can get it through any Internet Service Provider (ISP) in Philadelphia. Comcast is currently offering low-income families who don't already have internet service two free months through Internet Essentials, which is the nation's largest and most comprehensive high-speed internet adoption program.
The Fund for the School District of Philadelphia identifies, coordinates and connects philanthropic resources to level the playing field in local public schools. The Fund's partnership with the School District of Philadelphia seeks to promote equity, safety, and improved performance.
About Bank of America
At Bank of America, we're guided by a common purpose to help make financial lives better, through the power of every connection. We're delivering on this through responsible growth with a focus on our environmental, social and governance (ESG) leadership. ESG is embedded across our eight lines of business and reflects how we help fuel the global economy, build trust and credibility, and represent a company that people want to work for, invest in and do business with. It's demonstrated in the inclusive and supportive workplace we create for our employees, the responsible products and services we offer our clients, and the impact we make around the world in helping local economies thrive. An important part of this work is forming strong partnerships with nonprofits and advocacy groups, such as community, consumer and environmental organizations, to bring together our collective networks and expertise to achieve greater impact. Learn more at about.bankofamerica.com and connect with us on Twitter (@BofA_News).
Fund for the School District of PhiladelphiaBank of America Charitable Foundation
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Posted by Van Purser on Wednesday, February 28th, 2018 at 3:25pm.
Putting the cart before the horse, getting ahead of yourself, whatever you want to call it, going through the mortgage and real estate process in the wrong order can be confusing, frustrating, disappointing, and it could cost you hours of time and hundreds or even thousands of dollars.
Unfortunately, a lot of times, the order of activities goes something like this: 1. Become interested in purchasing a home; 2. Go online and do some research; 3. Find a few houses that seem to be a good fit; 4. Contact a Real Estate agent for more information; 5. Contact a mortgage provider to get details on available loan programs, interest rates, monthly payment scenarios, etc. Some extraordinarily out-of-order buyers may even squeeze in an additional step between numbers four and five: 4b. Go and view homes that seem to be a good fit.
In the scenario above, the cart is certainly before the horse (finding the house before finding the mortgage). In fact, not only is the cart before the horse, but the potential buyer has put the cart (the house) before the horse (mortgage) not even knowing yet if they can even ride a horse (qualify for a mortgage). In other words, they have found the house and are hoping they can make the mortgage fit. These simple steps, when done out of order, make it difficult to move down in price-range without being terribly frustrated.
I tell all my potential clients, if you are looking to purchase a home in the next 12 months, you need to talk to a mortgage professional. It is never too early to review your credit, your loan qualifications, and your target price range. If you start looking at homes that are out of your price-range, you will only be disappointed later (I can almost guarantee you will like more expensive homes MORE than less expensive homes. You may not like the mortgage payment, hence the frustration).
"I don't want anyone to pull my credit because it will hurt my credit score."
The credit score model does lower your score based on inquiries, but only if you have an "excessive number of inquiries" within the past 12 months. An excessive number of inquiries is a sign that a consumer may be desperate for credit, or may be applying for multiple credit accounts at the same time -- both risks and red flags (hence the lowering of the credit score). One inquiry on your credit report six to twelve months before you are going to purchase a home gives your mortgage professional the information he or she needs to help give you advice on ways that could potentially help you increase your credit score by 50 to 100 points. And with your available interest rate being tied directly to your credit score, the difference in 20 points on your credit score, could mean the difference between 5.0% and 5.5% = about $75 per month on a $250,000 mortgage = almost a $1,000 per year.
"I know I am fine. The last time I checked my credit was like 700-something."
I hear this statement made a few times each month, and the reality is that it's true about half of the time. Your credit score is generated each time your credit report is pulled. And because the most recent account information (account balances, late payments, etc) has the greatest impact on your score, if you haven't seen your credit report in the last 60-90 days, your credit score from a few of months ago is not accurate. Also, because mortgage rates and available loan programs vary for credit scores of 620, 640, 660, 680, 700, 720 and 740, in order to give accurate information for your options, even if your score really is 700-something, your mortgage provider actually needs to know if your score is 719 or 720, or 739 or 740.
"I am just thinking about buying . . . not really ready to take the next step."
Some people say this because they are concerned that the pre-qualification process (reviewing your mortgage options) takes too much time or that it costs something. Some have even told me that they didn't want to "waste" someone's time so early in the preliminary stages of only "thinking about" possibly purchasing a home. Here is my response to those concerns: the pre-qualification process should take 20-30 minutes over the phone; it shouldn't cost you anything, and talking with a prospective new client is actually the exact OPPOSITE of a waste of time. It's one of the most productive things I could possibly hope to do during the day!
So if you are thinking about purchasing a home (yes, even just thinking about it) save yourself some frustration and go through the process in the correct order. Getting the details of your mortgage options first -- and how to improve your ability to get a mortgage and a better interest rate on your mortgage -- will allow you to take the next steps with confidence and peace of mind (searching for homes in the right price-range). Starting the process in the wrong order could very well have you falling in love with a house you can't purchase (a cart you can't horse? a horse you can't cart?? That's enough of that analogy. You understand, right?).
One of the Lenders on our team will qualify you for your mortgage.
1 Response to "Mortgage and Real Estate Out of Order"
Van Purser wrote: Great article. This must happen a lot.
Posted on Wednesday, June 23rd, 2010 at 4:57pm.


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Tag: Broom
Ohn (Gorse or Broom) II
"When the broom and the whin were rich in blossom it was looked upon as an indication of a good crop." – Waltor Gregor (Notes on the Folk-Lore of the North-East of Scotland. 1881)
1) The Roots: Background information
2) The Trunk: Celtic Mythology and Significance
3) The Foliage: Spells using the Plant
The seventeenth letter of the Ogham is Ohn. In its tree form this letter is usually listed as Gorse. According to Robert Graves, some Ogham lists use the Scotch Broom instead[i].
Gorse is also known as Sea Gorse, Furz, Furze, Furse or Whin. It is a close relative to the Broom plant belonging to the same tribe Genisteae. The main differing quality between the two plants is the Gorse's sharp thorns. In Cad Goddeu –the Battle of the Trees- Broom even seems to be the parent of the Gorse when the story relays to us that, "The Brooms with their offspring [arrived?]: the Furz was not well behaved, until he was tamed…[ii]."
James Frazer in the Golden Bough says that the Furz and the Broom were often used interchangeable within folk ritual. This may be why some of the Ogham lists use the Broom plant instead of Gorse. It may also be why Robert Graves left Broom out of his Ogham list as the plant listed for Ngetal[iii] and why he replaced it with the Reed Grass instead. Perhaps he believed that the Broom and Gorse were too similar to have separate letters within the Ogham? Another more likely possibility, however, could be that Graves chose this placement more to support his tree calendar theory than for any other historical or mythological significance.
In the Ogham Tract[iv] the trees and plants of the Ogham are listed according to their rank. Some trees are seen as chieftain trees, some are seen as peasant trees and some are seen as shrub trees. Interestingly enough, the Furz is listed as a chieftain tree but -as Whin- is listed again as a peasant tree[v]. It is also assumed that Broom is listed as a shrub tree by its absence. Under Brehon law[vi], however, both the Broom and the Furz are given the lowest rank of "bramble" trees. Gorse's ranking as a chieftain tree illustrates the respect it was given in Ireland at the time the tract was written.
There is a common theme found in the tree and plant mythology of the Celtic ancestors. It would seem that all of the thorn plants – such as Hawthorn, Blackthorn, or Blackberry- were protected by the fairies and were thus deemed sacred, cursed, or both.
Eryn Rowan Laurie in Ogam: Weaving Word Wisdom says that the Gorse represented foundations and journeying. Gorse was also related to ones path, choices, direction and intention. The energy of the Broom, according to Laurie, is a plant of healing and wounding.
In Robert Ellison's Ogham: the Secret Language of the Druids the letter represents a collecting together of things. The Gorse, he says, can be used in "seasonal love spells and in spells that draw things together." Elision relates the Broom's powers to hard work and tools.
In Celtic Wisdom Sticks Caitlin Mathews tells us that in old Irish law the presence of Gorse was proof of an uncultivated land. In her divination system the Gorse represents hard work and persistence.
The word-Ogham kenning for Ohn is shortened to "helper of horses" in John Mathew's book the Celtic Shaman. The meaning given to this kenning in the book is "travel."
According to Eryn Rowan Laurie the Gorse was used in some parts of Ireland instead of the Hawthorn as the May bush. This could have only been possible if the Gorse was a greatly respected plant at the time.
In A.W. Moore's 1891 book Folk-Lore of the Isle of Man Gorse is also said to have been burnt on May Eve. In Notes on the Folk-lore of the North-East of Scotland by Walter Gregor the Gorse, or Broom, was lit in the Beltane fire there as well.
James Frazer in the Golden Bough said that Gorse was torched to protect cattle from witches on the Isle of Mann. Gorse fields, he claimed, were customarily burnt on Midsummer's Eve.
Reasons why they would burn the plant can be found throughout folklore.
One of the ingredients used to create the flower goddess Blodeuwedd in the Mabinogion was the Broom flower. The Cailleach or hag goddess, on the other hand, was elsewhere connected to the Gorse[vii]. There are many examples of the fairies living within the Gorse or Broom as well.
In the 1900 book Celtic Folklore: Welsh and Manx by John Rhys we find one example:
"In some places the Tylwyth Teg are described as a small folk of a thieving nature, living in summer among the fern bushes in the mountains, and in winter in the heather and gorse. These were wont to frequent the fairs and to steal money from the farmers' pockets, where they placed in its stead their own fairy money, which looked like the coin of the realm, but when it was paid for anything bought it would vanish in the pockets of the seller."
In the 1881 text Notes on the Folk-lore of the North-East of Scotland we find another example in which a man overhears the fairies plotting an abduction from inside of a Broom grove. The man is able to thwart the fairy raid and saves the smith's wife. This is the tale that was told last week. The fairies fled and a Fir wood replica of the wife was accidently left behind[viii].
According to the 1917 text Wonder Tales from Scottish Myth and Legend by Donald Mackenzie the fairies would come forth when the golden Gorse was in bloom. Perhaps, this was why the fairies lived in "the fern bushes" in summer?
(European Hare. Photo by Feldhase[ix])
The Gorse could also be home to witches. We find this example in Celtic Folklore: Welsh and Manx:
"The break of this day(May Eve) is also the signal for setting the ling or the gorse on fire, which is done in order to burn out the witches wont to take the form of the hare; and guns, I am told, were freely used to shoot any game met with on that morning. With the proper charge some of the witches were now and then hit and wounded, whereupon they resumed the human form and remained cripples for the rest of their lives."
Gorse was usually burnt to combat witches or fairies in a more direct way:
"The persons who had the power of turning themselves into hares were believed to be abroad and very active, together with the whole demon world, on the eve of May-day of the Old Style. And a middle-aged man from the parish of Andreas related to me how he came three or four times across a woman reputed to be a witch, carrying on her evil practices at the junction of cross-roads, or the meeting of three boundaries. This happened once very early on Old May morning, and afterwards he met her several times as he was returning home from visiting his sweetheart. He warned the witch that if he found her again he would kick her: that is what he tells me. Well, after a while he did surprise her again at work at four crossroads, somewhere near Lezayre. She had a circle, he said, as large as that made by horses in threshing, swept clean around her. He kicked her and took away her besom (broom), which he hid till the middle of the day. Then he made the farm boys fetch some dry gorse, and he put the witch's besom on the top of it. Thereupon fire was set to the gorse, and, wonderful to relate, the besom, as it burned, crackled and made reports like guns going off. In fact, the noise could be heard at Andreas Church—that is to say, miles away."
These stories, of course, were written long before the Witch's Rights movement.
When Gorse, or Broom, appears in stories it usually represents the wild and untamed land being reclaimed by nature. The shrubs become a hiding place for fairies, witches and strange animals:
"It is believed still all over Wales that snakes may, under favourable circumstances, develop wings: in fact, an Anglesey man strongly wished, to my knowledge, to offer to the recent Welsh Land Commission, as evidence of the wild and neglected state of a certain farm, that the gorse had grown so high and the snakes so thriven in it that he had actually seen one of the latter flying right across a wide road which separated two such gorse forests as he described: surprised and hurt to find that this was not accepted, he inferred that the Commissioners knew next to nothing about their business."
The following spell is mentioned in A.W. Moore's 1891 book Folk-Lore of the Isle of Man:
"This (May Eve) was also one of the occasions on which no one would give fire, and on which fires were and are lit on the hills to drive away the Fairies, Witches, &c., and also to purify the fields, cattle, and horses by the smoke passing over them. It is said that a handful of gorse was formerly lit in each field to purify it."
A similar practice was observed on Midsummer's Eve:
"On the eve of St. John the Baptist, the natives lighted fires to the windward side of every field, so that the smoke might pass over the corn; they folded their cattle and carried blazing furze or gorse round them several times."
In Notes on the Folk-lore of the North-East of Scotland the yellow Gorse flowers were collected and used to dye the Peace Sunday eggs. These were "rolled" on the Saturday that followed Peace Sunday[x].
" A hot sun beat down upon flowering gorse and flowerless heather; and on every side except the east, where there were green trees and distant hills, one saw a level horizon and brown boglands with a few green places and here and there the glitter of water. One could imagine that had it been twilight and not early afternoon, and had there been vapours drifting and frothing where there were now but shadows of clouds, it would have set stirring in one, as few places even in Ireland can, a thought that is peculiar to Celtic romance, as I think, a thought of a mystery coming not as with Gothic nations out of the pressure of darkness, but out of great spaces and windy light." – Lady Gregory (Gods and Fighting Men. 1904)
[ii] The Gorse is also said to be great in battle. D.W. Nash translation. Ibid.
[iii] Ngetal is the thirteenth letter of the Ogham.
[iv] http://www.maryjones.us/ctexts/ogham.html
[v] Robert Graves believed this was a mistake and should have been Holly instead.
[vi] Irish law. The White Goddess.
[vii] See previous post: https://livinglibraryblog.com/?p=221
[viii] The fairies intended on making a switch.
[ix] http://en.wikipedia.org/wiki/File:Feldhase.jpg and http://en.wikipedia.org/wiki/File:Whin_or_Gorse_on_Fife_Coastal_Trail.jpg
[x] http://en.wikipedia.org/wiki/Peace_Sunday
Author Shanon SinnPosted on March 14, 2012 October 8, 2018 Categories Tree OghamTags Broom, Celtic, Gorse, Ogam, Ogham, Ohn, Omen, spell, WitchcraftLeave a comment on Ohn (Gorse or Broom) II
Ngetal (Reed Grass)
"Ngetal is the month when the terrible roar of breakers and the snarling noise of pebbles on the Atlantic seaboard fill the heart with terror, and when the wind whistles dismally through the reed-beds of the rivers. In Ireland the roaring of the sea was held to be prophetic of a king's death." – Robert Graves (The White Goddess)
The reed is the most commonly associated plant to this thirteenth letter, Ngetal. The Ogham Tract[i] lists Ngetal as either the broom or the fern –and not as the reed- so this letter often causes confusion.
It seems to have been Robert Graves that left us with the association of Ngetal to Reed Grass. This may have been to more easily associate each of the Ogham letters to the corresponding line found in the Song of Amergin -as he made his poetic comparison- or to perhaps make a stronger argument that the Ogham was once used as a Celtic tree calendar[ii]. It may have even been possible that he did not want two such similar plants as the broom and the gorse –found later in the Ogham- to both be a part of the
same list of letters[iii]. This of course is simply my own speculation. We may never know why Graves chose to list the thirteenth letter of the Ogham as the Reed, but it seems to have been further promoted by most writers that followed him.
Eryn Rowan Laurie, along with other reconstructionists, list this letter as being associated with the broom plant, but as noted many times before she does not see the Ogham as a tree alphabet at all but similar to the runes instead.
Nowadays, most do see Ngetal as being the Reed. We must remember that the Ogham's association with trees was likely initially mnemonic only. However, we do know that the Ogham was used for magic and likely for divination, but we cannot know for certain how the letters were utilized at all[iv]. The tree alphabet has become a tool used in such a fashion in modern days as it may have became over time a tool of power to the ancestors as well. For these reasons the reed seems to fit most comfortably within the list of the plants found in the Ogham today.
The reed is obviously not a tree at all. The Celts had many uses for the plant however. They often used it in the thatching in of the roof, which would have been the final step in completing any dwelling construction. The reed would also have likely been used for flooring material in winter. The reed rod was a type of measuring stick used by the ancestors as well[v].
James Frazer speaks of the king with the reed sceptre in the Golden Bough showing us that the reed is no ordinary plant. According to Graves the reed was used to make arrow shafts and this may be why it is named in the Battle of the Trees as the "swift pursuing" one[vi]. Liz and Colin Murray also associate the reed to the arrow and say that it is the letter of "direct action", "overcoming obstacles on a journey", and can be used as a spiritual weapon[vii].
Robert Graves further claims that the reed was a tree to Irish poets[viii]. The research of Nigel Pennick gives us compelling reasons to believe this. Pennick reminds us that the pen of Irish scribes was composed of reed and that, "The reed was also the material from which a sort of paper or papyrus, known to the Welsh as plagawd was made"[ix]. The reed was also used for braiding together baskets and could then be synonymous with Celtic knot artwork.
Ngetal in the Ogham Tract is also considered to be a few of healing. This listing –though more literally being those powers of the broom plant- is made by many Ogham teachers including John Michael Greer.
The reed is also associated with music. Historically it was used in wind instruments near the mouth piece to help create the music sound. This piece of the instrument is still called the reed today. A type of Asian giant reed is usually the preferred material for this construction nowadays, but some instruments still use the traditional reed grass[x]. It should also be noted that the reed sometimes appears as its own musical instrument in Celtic fairly tales.
Ngetal, the reed, is associated with higher learning, advancement, music, healing, action and art. It is this few that brings to us all of those gifts that makes us that most unique of animals.
The thirteenth letter, the reed, is the few of being divinely human.
It is said that the Cluricaune, an Irish fairy being, rides the reed through the air[xi].
The Cluricaune looks like a little old man appearing in "antiquated dress." He is usually found wearing a pea-green coat with large buttons and oversized shiny shoe buckles.
The Cluricaune is often "detested due to his evil disposition[xii]." People will often try to use him and become his master, but he can be cunning and will try to come out ahead. The Cluiricaune can sometimes be startled as he's making shoes. He has an incredible ability to vanish, however. It was believed a person could make the Cluricaune tell them where hidden treasure was, or get from him a "magic coin."
The Cluricaune apparantly likes to smoke and drink; making his beer out of heather. The Cluricaune smokes from a small kind of pipe which is sometimes still found by farmers as they plough their fields.
The Cluricaune is a trickster, but he is loyal to one particular family and will stay so as long as a single family member survives. Despite being a mischievous fellow, he usually has a degree of respect for "the master of the house." The Cluricaune will protect the home and ward off unseen dangers. He can be extremely upset if he is forgotten. however.
Like other fairy beings, the Cluricaune likes gifts to be left out for him. His connection to wine cellars seems a little suggestive. It is not unheard of for a Cluricaune to let the wine run out of a cask if he deems the household occupants covetous. The Cluricaune was basically a spirit world mobster.
The Cluricaune is said to be as, "ugly as a shrivelled apple", but he whistles at his work which he seems to enjoy immensely.
He rides through the air with "great velocity" on a reed shaft from place to place. It is said that those who ride with him may take days or even weeks to return home.
(Cluricaune. Fairy Legends of the South of Ireland)
The stories of the Cluricaune remind us to be mindful of the spirits and to leave gifts for them. Whether these tales are contrived or whether they have a basis in truth -however unlikely or Otherworldly this may seem- there is always something to take away from these old stories.
Why a reed? If the story's make believe then what's the purpose of the reed in the tale if we are aware of the importance of plants to the ancestors? Why not another tree or branch? If the story does have a metaphysical foundation then what powers does the Cluricaune find within the reed? Is flight literal -or more likely- something far more metaphoric?
There may be more to the reed than meets the eye.
Reed grass may have an important role to play in the future of water treatment and organic sewage management[xiii].
The reed absorbs impurities from water and is used in small neighbourhood treatment ponds or marshes. "Treatment ponds are small versions of constructed wetlands which uses reed beds or other marshland plants to form an even smaller water treatment system"[xiv]. Micro organisms that live on the roots of the plant -or in the bed litter- treat the water that runs slowly through them.
The Stanley Park Storm Water Treatment Wetland in Vancouver is just such a project. The wetland was created to deal with the runoff of polluted rain water from the Stanley park causeway and from the Lion's Gate Bridge. The water was originally allowed to flow freely into the streams, Lost Lagoon, Beaver Lake, and into the Pacific Ocean itself[xv]. Now it is treated in a holistic manner to lessen any impact that may be caused from the runoff.
The marshland, "Acts as a settling pond, natural treatment and filtration system for storm-water run off". Large particles are first captured by a filtration system, then sunlight and micro organisms effectively tear apart contaminants. Slowly the water passes through deeper pools -and marsh staging areas- where reed grass and other native wetland plants break the contaminants down even further. The goal of the project is to, "Keep storm water contaminants in a controlled area so as to protect the surrounding area"[xvi].
The process of using reed beds for sewage treatment is actually quite similar. The water moves through the reed grass and the microorganisms that live in the roots and the litter break down the contaminants while utilizing the nutrients that are being offered in return.
The reed, as it turns out, is a very understated tree after all.
Not only is the reed a steed of the fairy kingdom, it is the bringer of music and healing, art and kingship, learning, advancement and action and it even possesses the ability to aid in the healing of the land.
Ngetal, the reed, the thirteenth few of the Ogham, is the teacher that always was and always will be. It grows just beyond the shore, and in doing so, exists partially in one world, and partially in the next.
"The basket greatly resembles in its functions a 'portable cauldron' and leads, like it, in the development of the Grail… The basket is one of the thirteen treasures of Britain and is often an object of gifts. The meaning of abundance is represented in 'Culhwch ac Olwen'. In order to win Olwen, Culhwch had, among other things, to obtain the basket of Gwyddneu Garanhir. Everyone would find in it the food he wished, even if the whole world gathered around him." – Sabine Heinz (Celtic Symbols)
[i] http://www.maryjones.us/ctexts/ogham.html
[ii] For further discussion please refer to the White Goddess. Graves makes a complicated conclusion that the Song of Amergin and the Ogham were both devices referring to a Celtic tree calendar and to each other. Many accept the Celtic Tree calendar as fact however unlikely the reality of this notion is to scholars. I plan on talking about this more in the future.
[iii] The Broom and the Gorse are both non-trees already and would probably have similar or identical meanings in the Ogham as they are similar looking and are very closely related. We will return to these plants when we cover the seventeenth letter of the Ogham, Ohn.
[iv] If at all possible read Charles Graves' (Robert's grandfather) On the Ogam Beithluisnin which lists the appearance of the Ogham in many myths and legends. The copy I own is found in the Encyclopedia of Celtic Wisdom by Caitlin and John Mathews.
[v] Magical Alphabets by Nigel Pennick.
[vi] This is Robert Graves' version, there are many different translations.
[vii] The Celtic Tree Oracle
[viii] The White Goddess
[ix] Magical Alphabets
[x] http://en.wikipedia.org/wiki/Reed_(instrument)
[xi] Fairy Legends of the South of Ireland by Thomas Croker.
[xii] Ibid.
[xiii] Eyewitness Handbooks: Herbs by Lesley Bremness.
[xiv] http://en.wikipedia.org/wiki/Reed_bed
[xv] http://newcity.ca/Pages/lostlagoon.html
[xvi] Ibid.
Author Shanon SinnPosted on July 27, 2011 October 8, 2018 Categories Tree OghamTags 13, Battle of the Trees, Broom, Celtic Knot, Celtic Symbols, Celtic Tree Calender, Charles Graves, Cluricaune, Encyclopedia of Celtic Wisdom, Fairy Legends of the South of Ireland, Golden Bough, Gorse, Herbs, Irish, James Frazer, Lesley Bremness, Magical Alphabets, Music, Ngetal, Ogham Tract, Ohn, On the Ogam Beithlusnin, Reed, Reed Bed, Robert Graves, Saibne Heinz, Song of Amergin, Stanley Park Storm Water Treatment Wetland, Thomas Croker, Tree Oracle, Vancouver, Water Treatment, White GoddessLeave a comment on Ngetal (Reed Grass)


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Home Private Equity News & Analysis Private Equity Deals & Transactions Bridgepoint sells care homes in secondary MBO
Bridgepoint sells care homes in secondary MBO
The private equity arm of Barclays Bank has paid £80 million to buy UK care home provider Robinia from Bridgepoint.
Robert Venes
Barclays Private Equity (BPE), the European mid-market private equity arm of Barclays Bank, has acquired Robinia, a care provider for people with learning difficulties, in a secondary management buyout from rival mid-market GP Bridgepoint.
BPE paid £80 million (€117 million; $143 million) to acquire Robinia with debt provided by Barclays Leveraged Finance. BPE said that it expects to syndicate some of the equity to Lloyds Development Capital (LDC) within the next few weeks.
The acquisition was made from BPE's €1.65 billion ($2.01 billion) Barclays Private Equity European Fund II, which closed in February 2005.
James Murray, partner at Bridgepoint, told PEO that the firm had originally invested an undisclosed sum in Robinia in July 2003 from its Bridgepoint Europe II fund, which is now fully invested. The firm is believed to have made a money multiple of over 2x on its original investment.
Bath, UK-headquartered Robinia was founded in 1995 to provide care and support to people with learning difficulties, including autism and Asperger's syndrome. The company is the third-largest operator of beds for people with learning difficulties in the UK, with 539 beds in a portfolio of 79 homes located across England's Midlands, North, South and South East regions as well as London.
Bridgepoint is currently investing from its Bridgepoint Europe III fund, which closed on €2.5 billion in May 2005. The fund made its first acquisition in October of last year, purchasing environmental consultancy service ERM for $535 million (€437 million).
Bridgepoint also confirmed the sale of its 23.75 percent stake in Spanish wind farm developer CESA today in a transaction valued at €1.47 billion.


The apologetic attitude so prevalent in science to-day is not a logical outcome of the introduction of new concepts. It is based upon the hope of reinstating traditional beliefs with which science was at one time in open conflict. This hope is not a by-product of scientific discovery. It has its roots in the social temper of the period. For half a decade the nations of Europe abandoned the exercise of reason in their relations with one another. Intellectual detachment was disloyalty. Criticism of traditional belief was treason. Philosophers and men of science bowed to the inexorable decree of herd suggestion. Compromise to traditional belief became the hall-mark of good citizenship. Contemporary philosophy has yet to find a way out of the intellectual discouragement which is the heritage of a World War.
SOURCE: Hogben, Lancelot. The Nature of Living Matter. London: K. Paul, Trench, Trubner & Co., Ltd., 1930.
Russell, Bertrand. The Scientific Outlook. London: George Allen & Unwin Ltd., 1954 (based on 2nd ed., 1949; 1st ed, 1931).
In Chapter 4, "Scientific Metaphysics", Russell notes that science is losing confidence in itself, in its grip on objective reality, hastened by the conundrums of the new physics. Russell is unhappy with Arthur Eddington's account of physics and thinks his prediction of the ultimate death of the universe will undermine faith in science, belying Eddington's optimistic tone. Russell himself is possessed by a skepticism that denies the unity and lawfulness of the universe. This development is welcomed by partisans of religion. Russell finds a bifurcation in two notions of science, one as metaphysics, the other as practical utility. Practically, science is advancing even while faith in its metaphysical foundations is weakening. Russell has his own doubts about the reality of the external world, but what is not justified is the retreat to religion on the part of James Jeans. The former quasi-religious status of scientists as a priesthood of religion is giving way to a new timidity on the part of scientists.
Chapter 5 directly addresses the question of "Science and Religion". Scientists themselves are returning to religion in face of World War I and the Russian Revolution. Russell dismantles attempts to link quantum mechanics to the rehabilitation of free will. Eddington, for example, is guilty of this. Jeans, on the other hand, argues that God is a mathematician. Russell makes short shrift of this notion and ultimately finds it a rehash of old theological arguments, which do not pass muster from the standpoint of the fundamentally naturalistic basis of science. Russell also has a few words to say about Lloyd Morgan's idealistic notion of emergent evolution.
Russell's own indulgence in skepticism--although briefly in these two chapters--does not significantly detract from his demolition of the merger of science, religion, mysticism, and idealism, perpetrated by scientists themselves. We should also remember that Russell's erstwhile colleague Alfred North Whitehead, author of process philosophy, also took up the cudgels of idealistic metaphysics. (Not a word is said about Whitehead in this book, though I think we know what Russell thought.) This development shows up the ineluctable duality of bourgeois thought, as it vacillates between positivism and irrationalism. World War I was indeed a watershed, which generated a peak in the merger of science and mysticism among the intelligentsia in the 1920s. Yet this was minuscule compared to what followed in the wake of World War II, with the explosion of New Age thought, beginning with the Beats, then the counterculture of the '60s and '70s, and finally the yuppification of the New Age bringing it back to where it belongs among the affluent, the privileged, and the comfortable.


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TCG Leads Environmental Sustainability for the Federal Government and Its Partners
March is B Corp Month and TCG is highlighting some of the ways that we work to improve the world around us.
In December of 2021, the White House released an Executive Order (EO) to promote sustainability in the Federal government. The "Executive Order on Catalyzing Clean Energy Industries and Jobs Through Federal Sustainability" set government-wide sustainability goals for electricity, vehicles, buildings, and other operational areas. Several sections of the EO include requirements for acquisitions and procurements, meaning that contractors like TCG must be prepared to meet these sustainability goals.
As a Certified Benefit Corporation and a Public Benefit Company, understanding and reducing our environmental impact is a priority for TCG, and we're excited to see the Federal government move toward greater sustainability. As a vendor to several Federal agencies, we wanted to assess how our own sustainability goals line up with those detailed in the EO. Fortunately, thanks to the requirements of Certified Benefit Corporations, we find ourselves ahead of the game. Every year we assess our impact in five key domains, including the environment, and set goals for the following year. We can easily see how our corporate goals and initiatives align with the principles set forth in the EO and fit into the larger context of the government contracting industry.
The EO aims to reduce carbon pollution and greenhouse gas emissions. These include:
100 percent carbon pollution-free electricity on a net annual basis by 2030
65 percent reduction in scope 1 and 2 greenhouse* gas emissions from Federal operations by 2030, from 2008 levels
Net-zero emissions from Federal procurement
TCG has set a greenhouse gas emissions reduction goal of a 10% emissions intensity (2% per year) per Full Time Equivalent (FTE) employee by 2025. TCG's office in Washington D.C. generated 2.3 metric tons of carbon dioxide equivalent (mtCO2e) of greenhouse gas emissions for the 2019 calendar year and 1.5 mtCO2e of greenhouse gas emissions for the 2021 calendar year. This represents a 34.5 percent reduction from 2019 when we began tracking emissions.
TCG has also made efforts to obtain clean energy for TCG headquarters. In 2018, the company purchased solar panels for its new headquarters building. In 2019, the 8,382kWh of electricity used at headquarters produced 5.9 metric tons of carbon dioxide, but this was offset through the solar panels which produced 8,149 kWh, saving 5.8 metric tons. The solar panels did such a good job of offsetting our greenhouse gas emissions from energy that we only needed to purchase a small offset from Terrapass for our energy-use emissions.
Terrapass is a carbon offset provider, to help ensure that we are offsetting our greenhouse gas emissions. Carbon offsets are not a reduction strategy. Rather they seek to mitigate the impact we have as a company. They are a good way for the company to mitigate our environmental impact in the short term while finding long-term strategies for carbon reduction.
Two factors complicate TCG's sustainability goals. First, TCG's workforce is entirely dispersed, with the majority of employees working from home or, before the pandemic, at client sites. TCG's headquarters was never a primary work site for the majority of the company, making it difficult to account for the company's total carbon footprint because those employees at client sites should be accounted for in the energy usage at Federal facilities. Second, the pandemic changed this dynamic as the Federal workforce went almost entirely remote, reducing energy consumption on site and through commuting. This skews the data for the last two years on energy consumption at Federal offices. As contractors return to work on site, it will be important for TCG to continue to track data around associated greenhouse gas emissions.
Prior to the pandemic in 2019, employees that worked from home, used public transportation, biked, and walked to work saved a combined 809,640 miles and almost 37,000 gallons of fuel.
The EO requires GSA to track disclosure of greenhouse gas emissions, reduction targets, climate risk, and other sustainability-related actions by major Federal suppliers. While this policy does not necessarily apply to TCG, the company does track and disclose emissions as part of Federal Acquisition Regulation requirements and embraces the idea of disclosing environmental impact and sustainability goals. This information is available in our Annual Benefit Report.
To date, we have identified and collected information on:
Headquarters electricity/gas use – total kilowatt hours (kWh) used on the electric and gas bills;
Water supply and treatment – total cubic meters (m3) used on the water bill;
Staff commuting; and
Energy usage and savings through working from home.
TCG is working with HXE Partners to track our greenhouse gas emissions and set emissions reduction goals.
A strong belief in looking beyond our bottom line to the well-being of our communities, country, and the world was the reason TCG became a Public Benefit Company and Certified B Corp. Taking steps towards greater sustainability in our industry – working with the Federal government – is a crucial part of this mission. We are encouraged that our Federal partners are moving in the same direction.
You can read our Annual Benefit Report for more information on what being a B Corp means to TCG and actions we're taking to reduce our carbon footprint.
*Per the EPA definition, "Scope 1 emissions are direct greenhouse (GHG) emissions that occur from sources that are controlled or owned by an organization (e.g., emissions associated with fuel combustion in boilers, furnaces, vehicles). Scope 2 emissions are indirect GHG emissions associated with the purchase of electricity, steam, heat, or cooling. Although scope 2 emissions physically occur at the facility where they are generated, they are accounted for in an organization's GHG inventory because they are a result of the organization's energy use."
We sponsor monthly employee-led charity events. View


Applications are sought for a Junior Medical Statistician to provide statistical support for ongoing and upcoming national and international trials co-ordinated by the CECM. The post will be based in the Centre for Experimental Cancer Medicine, Barts Cancer Institute, within the Barts and The London School of Medicine and Dentistry, Queen Mary, University of London.
Essential requirements for this post include a post-graduate degree in Medical Statistics or closely related subject. Statistical work/research experience in cancer clinical trials and experience of using statistical analysis package STATA is also essential. A demonstrated ability to communicate well and work within a team are also essential. Some knowledge of the design and analysis of early phase clinical trials, as well as knowledge of using Microsoft Office Access would be an advantage.
The post is full time, starting salary will be in the range £33,615 - £39,483 per annum inclusive of London Allowance. Benefits include 30 days annual leave, pension scheme and an interest free season ticket loan.
Informal enquiries about this post, including arrangements to visit the Institute/Centre, can be made to Aaron Prendergast email: aaron.prendergast@qmul.ac.uk.
To apply, and for full job details, please visit the Human Resources website on http://www.jobs.qmul.ac.uk and search for reference QMUL16721.
The closing date is 20th November 2018 and interview date to be confirmed.


Researchers from the University of Michigan (UM) used telomere length to measure cellular ageing — the strongest predictor of telomere length, which shorten in length during each cell cycle, Xinhua news agency reported.
The findings showed that women who followed a diet with plenty of fruit, vegetable, whole grain and plant-based protein and limited sugar, sodium and red and processed meat, had significantly with longer telomere length.
"We have seen some gender differences in previous nutrition and telomere studies. Men tended to have lower diet quality scores than women. Men also had higher intakes of sugary beverages and processed meats, both of which have been associated with shorter telomeres in prior studies," said lead author Cindy Leung, assistant professor at the UM School of Public Health.
"Overall, the findings suggest that following these guidelines is associated with longer telomere length and reduces the risk of major chronic disease," Leung added.
The benefit of these healthy diet patterns is due to the fact that they are antioxidant and anti-inflammatory.
They create a biochemical environment favourable to telomeres, the researchers noted, in the paper published in the American Journal of Epidemiology.
Nevertheless, recent studies have shown that telomeres can also be shortened due to behavioural, environmental and psychological factors. Shorter telomeres have been associated with an increased risk for heart disease, Type-2 diabetes and some cancers.
"Emphasis should be placed on improving the overall quality of your diet rather than emphasising individual foods or nutrients," Leung said.
The study, examined the diets of a nationally representative sample of nearly 5,000 healthy adults and how well they scored on four evidence-based diet quality indices, including the Mediterranean diet, the DASH diet.


When it comes to social media, I am truly a bull in a china shop. I honestly don't know how Facebook works. I see someone's post and then try to come back to it a minute later and it is gone. I post things intended for one or more select people, and then, somehow it is broadcast to large groups. I only joined it to see photos and hear stories about my family, especially my grandchildren.
Now there are two schools of thought when it comes to what you share on Facebook / Twitter and the likes. I think the Donald is redefining that, whether intended or not. The first school, which I have heard from many,believes that it is totally taboo to share personal opinions on social media sources, just like it is an unspoken rule that you don't bring up politics or religion at the family reunion. I believe those who hold this view do it for noble causes, mostly to keep the peace. When I share personal opinions in these media forms, I sense these people feeling socially embarrassed for me, like I had just farted while standing in the reception line to greet the queen of England, as if I didn't know better.
The second view is that social media is the forum that used to occupy the open areas on the Acropolis of Athens, where controversial topics were not only discussed two thousand years ago, but even invited. It was a true exchange of ideas.I believe that in our society, social media has become part of this forum. It is true that rarely you can change someone's ideas with such postings, but you can make it clear that other ideas do exist and that is the most that you can hope for. Otherwise, they could end up with the notion that they represent the only choice in the matter.
There is a third view, which I greatly respect. I know many pastors and Christian leaders on FB, who never, ever post political or other opinions. I don't know how they refrain, but they do.I would make a horrible pastor. I think they are doing the right thing. If you are a pastor of a lot of people there will be a spectrum of ideas within the group you serve. By sharing your political views, you alienate many. I heard (on the radio and TV at least) far too many pastors preaching a certain political view this season.
I have the sense that many of my Evangelical friends have blocked me. Again, I don't know how Facebook works and in my lack of understanding, my perceptions could be wrong. But when I have sent them personal messages about personal, noncontroversial things, they no longer respond. There could be many reasons why they have chosen to do this, one being their view that I am being socially inappropriate when I share views on controversial topics . . . and I have been known to be quite candid.
I have also blocked many friends over this political season and now I am working on unblocking them now if I can only figure out how to. While I don't know the motive of the others for blocking me, I do know my motives. My motives are simple. When someone posts things that I find offensive (usually it is what I consider fake news stories) and if they do it over and over and over, I am afraid, out of the lack of self-discipline, that I will say something very hateful back to them. It is for this reason, I have blocked some. It is the same principle that an alcoholic removes all booze from their house if they are serious about staying on the wagon. Now that the heat of the political race is calming down, I hope that I can allow those posts to show up once more and that I will not take them personally.
My blocking of friends and family is never because I am mad at them, that I don't like them or I want to punish them. They have the right to their opinions and I respect that. So this blocking was clearly regarding my own weaknesses.


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GONE FOR GOOD?
Has Ryan Clayton left Coronation Street and what happened to Josh Tucker?
Coronation Street actor Ryan Clayton has confirmed he has left the soap as rapist Josh Tucker
Katy Brent
Coronation Street actor Ryan Clayton has confirmed he has left the soap as rapist Josh Tucker.
Ryan was involved in one of 2018's most controversial storylines as his personal trainer character drugged and raped fan favourite David Platt – played by Jack P Shepherd. But has Ryan left for good and what happened to Josh? Let's find out…
Has Ryan Clayton left the soap for goodCredit: ITV
Has Ryan Clayton left Coronation Street for good?
It certainly looks that way. After the double bill of episodes on Monday 1st October 2018, the actor tweeted his followers saying: "That's all folks from Josh Tucker."
Ryan joined the ITV soap in January 2018 playing mechanic and personal trainer Josh who went on to rape David Platt after drugging his beer with GHB on a night out in March.
As Ryan said his goodbyes off-screen the devastating storyline which saw David contemplate taking his own life came to an end as the hairdresser was finally able to have closure after seeing Josh scared for life.
Ryan also tweeted praise to his co-stars at Corrie for their work throughout the difficult storyline.
He added: "What an honour @itvcorrie. Feeling so grateful & blessed - From being apart of this storyline/ working with such talented & sound people/ All the kind words & support from loved ones & complete strangers. It's meant the world to me."
Ryan also paid tribute to the Manchester-based charity Survivors who advised on the traumatic storyline.
He tweeted: ""And of course more importantly than me being a soppy tw*t, for anyone affected by this storyline please don't suffer in silence - when you're ready www.survivorsmanchester.org.uk thanks for the support @SurvivorsMcr @mrmadrigal"
Josh was blinded in a revenge attack and left by David Platt outside a police stationCredit: ITV
What happened to Josh Tucker?
Josh was last seen looking confused and scared at the side of a road where David had abandoned him after bundling him in a car and driving off.
David tricked Josh – who is now blind following a serious attack – into thinking he had driven him to the police station to confess his crime.
After a heated discussion where David told him to go inside and tell them what he'd done, he watched Josh break down, admitting he couldn't go to prison as he wouldn't survive.
David left Josh at the side of the road – which was actually nowhere near the police station – and headed back to Weatherfield where he told girlfriend Shona Ramsey and friend Billy Mayhew that he'd finally go closure.
In an impassioned speech which actor Jack P Shepherd was praised for he said: "He's gone. He finally got the message. I don't think we'll be seeing him round here from now on.
"I don't think Josh will ever admit for definite what he did to me, but just seeing his fear was enough."
When asked if he thought Josh would rape again, David replied that he honestly didn't know.
The David Platt rape storyline has had Corrie viewers grippedCredit: ITV
Why didn't Josh go to prison for raping David?
Many fans were disappointed with the climax of the story as they hoped Josh would go to prison for his crimes.
David was eventually brave enough to report his rape and Josh was arrested, but was let go after lack of evidence meant it came down to David's word against his.
Former Corrie boss Kate Oates who was in charge at the time warned fans that Josh wouldn't see justice in a traditional sense as she wanted the storyline to play out as realistically as possible.
She told Metro: "I think it's important not to artificially tie things up – I believe that David's perpetrator wouldn't be convicted in this instance.
"David got rid of all of the evidence.
"We will have to tie the storyline off – it will find an ending which will surprise people.
"David will get a catharsis and some acknowledgement but he might not get that legally.
Coronation Street's David Platt is horrified when Josh Tucker shows up at the salon
Soap explainers