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One answer to CFPB's call for streamlining suggestions
Lucy's candidate for early review: the Home Mortgage Disclosure Act
Written by Lucy Griffin
The Bureau of Consumer Financial Protection has opened Pandora's box.
All regulations that the Bureau "inherited" from the Federal Reserve and other agencies are up for review--and, potentially, change.
This could be a very good thing. Or a very bad thing.
It all depends.
What the bureau says, versus what it may mean
The Bureau has announced that it plans to "simplify" and "streamline" the inherited regulations. This sounds good, but what, actually, does the Bureau mean?
Will streamlining a regulation make it better?
Or will it raise more questions?
How clear is compliance?
Regulations must be developed with public review and comment. That is why the Bureau has opened a comment period. Every regulation it has inherited is fair game.
You can suggest anything that comes to mind.
Hold on there...
But your suggestions should be constructive.
For example, don't even think about asking to get rid of opt-in and opt-out rules for overdraft protection or privacy.
And don't suggest that the government stop requiring creditors to collect monitoring information.
Ideas like that just won't fly.
There are ways, however, that we could improve our lives by clarifying or simplifying requirements. Several opportunities with respect to Regulation C come to mind.
A viable candidate for Bureau review
Regulation C--Home Mortgage Disclosure Act reporting--is a source of common violations. Citations range from inaccurate data entries to confusion about what is reportable. Many of the problems stem from the fact that HMDA data now reported must be pulled from a variety of different phases in the application, underwriting, and closing process. This creates opportunities for mistakes.
A common violation is failure to report something that should have been reported and reporting something that should not have been reported. In fact, an appalling amount of compliance time is spent on figuring out whether a transaction should be reported.
This is one of the most common questions that compliance consultants get. In the process of answering the coverage question, we get bogged down in discussions of whether and how long the property is a dwelling; the relationship of the current loan to any previous loan; whether the borrower is really going to use the loan proceeds to make improvements ... the list of questions seems infinite.
There should be a way to shorten the list or make the answers clearer.
Forgetting the spirit of the law
Defining reportable transactions could be significantly simplified. So could the definitions of application. But over the years, we have become so focused on what is in and what is out that we have lost sight of the actual purpose of HMDA.
The original Home Mortgage Disclosure Act was intended to ask where an institution was willing to risk its resources by making a real-estate secured loan. The question was: Does the lender have enough faith in that neighborhood to take property in that neighborhood as security for a loan?
The concerns were all about whether lenders would risk their money in areas where racial or ethnic minorities were a significant portion of the population. So the question was, given who lives there, will you lend there?
All of HMDA's legislative history focused on concerns about whether lenders would make conventional mortgages in certain neighborhoods. As a result, HMDA specifically addresses dwelling loans, but doesn't require reporting for non-dwelling loans.
Over the years, there have been detailed debates about what should be reported and what would constitute double reporting--or cheating. Consumer and neighborhood advocacy groups don't want lenders to pad their results by reporting loans more than once. So we got into the issue of when and how to report a loan that was made or renewed more than once in a calendar year.
The "report it only once" principle added other complications as well.
And then we fell into the debate of whether a loan was for a "covered purpose." Is it going to be used to improve the property, or to buy a car? These arguments led us to the devious and confusing definitions of refinancing and preoccupation with multiple reporting.
Getting back to the spirit
Why not dump the debates and go back to the original question: In what parts of your market are you willing to take real estate as security?
Why should it make a difference whether the borrower is putting on a new roof, installing a swimming pool, or replacing an old car with a new one? The real issue is the willingness of the creditor to take that piece of real estate--located where it is--as security for a loan.
There need to be some related questions, such as loan purpose, type, and lien position, because these help to explain or understand loan terms and rates. However, these additional categories could be handled much more simply than they are in the current regulation.
Let's not miss an opportunity
We now have an opportunity to reshape Regulation C. We know the Bureau will be looking at it because Dodd-Frank requires additional reporting.
More complication is the last thing we need! But, since the Bureau has stated the goal of simplification and streamlining, let's ask the Bureau to take another look at the definitions and all the coverage issues.
HMDA supports fair lending and CRA analyses. Both fair lending and CRA now look far beyond mortgage lending. In fact, the breadth of these issues was a force behind expanding the data to be collected. So let's use the evolution to our advantage.
What if HMDA reporting were based on real property securing loans?
That would provide a raw measure of whether and where the lender is willing to risk taking property as security. Now we have an information base that looks more like a call report approach than the HMDA LAR. There would have to be additional information, such as loan types, rates and amounts. We would also have to separate business from consumer-purpose loans.
But we could get rid of a lot of questions, such as the proportion of loan proceeds that will be used to make home improvements.
The new reports would be driven by location--and that was the original question. Let's think about this. Could it work?
Disclaimer: This blog represents the opinions of the author and does not necessarily reflect ABA policy.
Do you agree with Lucy Griffin's idea? What other regulations do you think the Bureau should take under consideration for streamlining? Talk about it in the comment section below.
Disclaimer: Views in Common Sense Compliance do not necessarily reflect the viewpoint of the American Bankers Association.
Lucy Griffin
"Lucy and Nancy's Common Sense Compliance" is blogged by both Lucy Griffin and Nancy Derr-Castiglione. Both are Banking Exchange contributing editors.
Lucy, a Certified Regulatory Compliance Manager, has over 30 years experience in compliance. She began as a regulator, including stints with the Federal Reserve Board, the Federal Trade Commission, and the Federal Home Loan Bank Board. For many years she managed the ABA Compliance Division. Since 1993 she has served as a compliance consultant as president of Compliance Resources, Inc., Reston, Va. She is also editor of Compliance Action newsletter and senior advisor with Paragon Compliance Group, a compliance training firm.
In addition to serving as a Contributing Editor of Banking Exchange, Lucy serves on the faculty of ABA's National Compliance Schools board. For more than a decade she developed and administered the case study at ABA's National Graduate School of Compliance Management. She can be reached at [email protected]
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You will need to use a tape measure. Place the tape measure and index finger above the ear, bring it across the mid forehead and completely encircle the head. Note the inches, and then have a look at the chart below. If your measurement falls between sizes, choose the next largest size.


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Recap ▲ Minutemen Down Maine In Overtime, Will Face #13 Yale In Capital City Championship
Another dramatic performance for the Massachusetts hockey team in last night's 5-4 overtime win over Maine in the opener of the Capital City Classic puts the Minutemen in a historic position. With their 4-0-1 record to start the season it's the first time in the program's history that the team has been unbeaten through its first five games. To extend that streak to six games the Minutemen will have to overcome its toughest test yet when they face the #13 Yale Bulldogs in the tournament championship game tonight.
I was only able to listen to the game intermittently last night and I'm struggling to find highlights on the web, so my ability to do in-depth commentary of the game is limited. The Black Bears got on the scoreboard first when Will Merchant scored the first of two goals with under 5 minutes to go a first period that was pretty even in terms of pressure from the two teams. UMass' power play, currently second best in the country, came though early in the second when Dennis Kravchenko beat Maine goaltender Rob McGovern with a wrister. A few minutes later Keith Burchett, who has been playing very well so far this season, gave UMass the 2-1 lead. Kravchenko would extend the lead to 3-1 with his second goal of the night, one for the highlight reels:
Here's a look at @itskravy's seventh goal of the season #SCtop10 @Buccigross pic.twitter.com/hA2FfCWluc
— Jillian Jakuba (@jjakuba) October 30, 2015
Merchant would score again for the Black Bears later in the period to cut the UMass lead to 3-2 heading to the third. UMass would again extend the lead to two goals when Shane Walsh, yep Mr Friday Night, scored just over 5 minutes into the period. The production that Walsh continues to put up for the Minutemen is amazing. SID Jillian Jakuba noted in her weekend preview this week that Walsh, a senior, has produced now over 50% of his career points and 75% of his career goals in the 2015 calendar year.
UMass would not be able to cruise to an easy victory however as Maine would score a couple goals in the minutes following Walsh's tally to tie the game at four goals apiece with just over 10 minutes left to play in regulation. A key UMass penalty kill in the final minutes of the third would allow the Minutemen to decide the game in overtime. 2:14 into the extra frame Ray Pigozzi would score the odd game-winner when he centered the puck from the boards only have the puck deflect off one or two Maine defenders and end up behind McGovern.
It seems that some people around college hockey are discounting UMass' hot start for a number of reasons. They cite UMass' relatively soft schedule (the team has played the 53rd toughest schedule per the KRACH ranking system). They cite the team's poor advanced analytic ratings in terms of CORSI and PDO, which are showing that UMass is struggling in terms of puck possession and is benefitting from an unsustainably high shooting percentage. I don't care. The team is winning and by doing so they're learning how to win. Will they be able to count on scoring on nearly 18% of their shots as the season goes along? Of course not. But what the team is doing, especially with the contests being so close, is understanding how to deal with adversity and are building confidence in themselves, their teammates, and their coaches. The statistics will come down to earth as the season goes along but as the players continue to find themselves in different game situations and continue to learn from them, they'll be in a better position to evolve and adapt and hopefully succeed.
Those lessons will be needed tonight when they face a very talented Yale team. The Bulldogs beat Ivy rival Princeton 3-1 in the season opener for both teams. Yale got the win by doing a good job controlling the puck, outshooting the Tigers 44-29 for the game and 32-13 in the final two periods. Last season they were one of the best defensive teams in the country and return Alex Lyon, the national leader in save percentage and goals against average. UMass has been playing very well to this point, but it's likely tonight that scoring chances will be limited. That's where their penchant for converting on those chances at a high rate will be needed. If they're able to gain a lead on Yale they'll also need to clamp down on defense and not squander it. The most concerning aspect of last night's game was that the team gave up four goals to a Maine squad that was averaging a national low 1.00 goal per game. A victory over the Bulldogs will likely come in the form of 2-1 or 3-2 result, so it's imperative that the team gets as big an effort on defense and in net as they have in the offensive zone.
Fear The Triangle Player of the Game – Dennis Kravchenko
Obviously Ray Pigozzi deserves praise for being the overtime hero, but I'm going with Kravchenko for my POTG. With his two goals last night Kravchenko is the national leader in both goals per game (1.40) and points per game (2.40). His scores, especially the one shown above, will get a lot of the attention, but his work in the faceoff circle should not be ignored. He won 15 of 22 his faceoffs last night, helping the Minutemen gain a 43-34 advantage at the dot in the game.
photo: Thom Kendall/UMass Athletics
Recap and Box Score from UMass Athletics.
Unfortunately it doesn't look like any local writers made the trip to Trenton, so the Bangor Daily News' game story is the only one I can find.
This college roundup from the Gazette does include some postgame quotes from coach John Micheletto however.
Posted in Game Recap
Tagged Dennis Kravchenko, Keith Burchett, Maine, Ray Pigozzi, Shane Walsh
https://fearthetriangle.com/2015/10/31/recap-%e2%96%b2-minutemen-downs-maine-in-overtime-will-face-13-yale-in-capital-city-championship/
Preview ▲ Unbeaten Minutemen Travel To Capital City Classic
Recap ▲ UMass Picks Up First Defeat, Losing 6-1 To #13 Yale
UMASS – has the firepower, size and speed….yes.."pass,shoot, score"

redpajama_set_name: RedPajamaCommonCrawl


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First Department Judges Continue Internal Disagreement Over Whether Plaintiff Must Prove Freedom From Comparative Fault to Establish Entitlement to Summary Judgment
Rodriguez v. City of New York, demonstrates once again that the First Department lacks unanimity as to whether a plaintiff can obtain summary judgment where questions of fact remain as to the plaintiff's comparative fault. As the majority writes: "we are revisiting a vexing issue regarding comparative fault: whether a plaintiff seeking summary judgment on the issue of liability must establish, as a matter of law, that he or she is free from comparative fault. This issue has spawned conflicting decisions between the judicial departments, as well as inconsistent decisions by different panels within this Department." Most of the Justices in the First Department are in accord with the Second Department's stance on this issue, i.e. that a plaintiff must make a prima facie showing of freedom from comparative fault in order to obtain summary judgment on the issue of liability. The Fourth Department would allow partial summary judgment on the issue of a defendant's negligence even if an open question exists regarding the plaintiff's comparative fault (see Simoneit v Mark Cerrone, Inc., 122 AD3d 1246 [4th Dept 2014]).
The majority explains that the difference between awarding partial summary judgment and denying the plaintiff's motion in its entirety is that, if the motion were granted then the issue of contributory negligence would have to be considered during the damages portion of the case, whereas if the motion were denied then the issue must be considered during the liability phase of the trial.
The First Department's stance on this issue is traced back to Thoma v Ronai (189 AD2d 635 [1st Dept 1993], affd 82 NY2d 736 [1993]), in which the plaintiff's motion was denied because she had failed to demonstrate that she was free from comparative negligence as a matter of law. The Court of Appeals affirmed the First Department's decision, finding that the "'plaintiff did not satisfy her burden of demonstrating the absence of any material issue of fact' on the question of her freedom from comparative negligence and therefore did not meet her burden on proof on the motion (82 NY2d at 737)."
As stated by the majority in Rodriguez: "The clear direction of Thoma is that a plaintiff may not be awarded partial summary judgment on the issue of a defendant's negligence if the defendant has raised an issue of fact as to the plaintiff's comparative negligence."
The rationale in support of the denial of summary judgment on this issue was best explained in Maniscalco v New York City Tra. Auth. (95 AD3d 510 [1st Dept 2012]), where the Court stated that "the causal role of each party's conduct should not be determined in isolation" (id. at 513). Quoting from Professor Alexander the majority observed:
"Conceptually, any amount of negligence by a defendant could trigger his or her liability, and CPLR 3212(e)allows for the entry of partial summary judgment as to any part of a cause of action. But few, if any, litigation efficiencies are achieved by the entry of partial summary judgment in this context because the defendant would still be entitled, at trial to present an all-out case on the plaintiff's culpable conduct. Furthermore, it is possible that a jury might find plaintiff's culpability to be the sole proximate cause of the accident if the issues of the defendant's liability and the plaintiff's comparative fault are seen, in the words of the dissent in Johnson v New York City Tra. Auth., 88 AD3d 321, 332 [1st Dept 2011] 'as an integrated whole.'" (Vincent C. Alexander, Practice Commentaries, McKinney's Cons Laws of NY, Book 7B C1412) (emphasis added).
To hold otherwise, the majority colloquially stated, "defendant [would be] essentially entering the batter's box with two strikes already called."
The majority also observed that the Pattern Jury Instructions, PJI 2:36 et seq., provides that, in a comparative negligence case, the jury must be given instructions as to the defendant's liability and the plaintiff's liability at the same time (see 1A NY PJI3d 2:36 at 273 et seq.[2016]), which permits the jury to consider the actions of both parties as a whole in making their determination.
Addressing the dissenting opinion, the majority stated that the dissent had taken "the curious position" that summary judgment should nevertheless be granted as a matter of law where "plaintiff met his prima facie burden of establishing defendant's negligence as a proximate cause of the injury, and defendant failed to raise triable issues of fact with respect to its own negligence, but successfully raised triable issues of fact as to comparative negligence on the part of plaintiff." The majority noted, however, that such a determination would be contrary to the PJI, Professor Alexander's commentaries, and the First Department's holding in Maniscalco (95 AD3d 510) that "the causal role of each party's conduct should not be determined in isolation" (id. at 513). The majority further observed, as noted by Professor Alexander, the dissents position ignores the fact that "'a jury might find plaintiff's culpability to be the sole proximate cause of the accident' where the issues are tried as a whole. By finding, as a matter of law, that a defendant is at fault, the court denies the jury the opportunity to determine the issue of proximate cause."
The dissenters quoted from the concurring opinion in Capuano v Tishman Constr. Corp. (98 AD3d 848 [1st Dept 2012] [Acosta, J., concurring]), "I would hold that a plaintiff does not have th[e] burden [of disproving the affirmative defense of comparative negligence]. Once a prima facie showing [of defendant's negligence] is made, the burden shifts to the defendant to raise issues of fact, such as by submitting evidence in support of an affirmative defense" (id. at 852). Thus, "where a defendant fails to raise issues of fact as to his or her own negligence, but succeeds in raising issues of fact as to the plaintiff's comparative negligence, partial summary judgment on liability with respect to defendant's negligence is warranted, because the defendant will be liable to the extent his or her misconduct proximately caused the injury" which would allow for an argument during a subsequent trial on liability and damages that plaintiff was comparatively at fault. Therefore, the dissent would have granted plaintiff's motion finding defendant negligent as a matter of law and remanded the matter for a determination of liability attributable to each party.
The dissent disagreed with the majority's holding that by observing that comparative fault is an affirmative defense and a plaintiff should not be obligated to disprove that defense in order to obtain partial summary judgment on liability. According to the dissent, plaintiff's only burden is to show that defendants was negligent. The dissent further indicated that Thoma v Ronai did not require a different analysis because "the Court of Appeals said nothing about whether a plaintiff's prima facie burden includes disproving the affirmative defense of comparative fault." As such, the dissent indicated that the majority's reliance on Thoma was "unfounded."
The dissent further indicated that plaintiff could be granted summary judgment to the extent of finding defendant negligent as a matter of law, and allowing the jury to apportion fault. To that end, the dissent recommended that the matter be remanded "first for a trial on liability, during which the jury would consider the conduct of both parties and apportion fault accordingly. A trial on damages would follow, during which the jury would determine the total amount of damages (to be reduced in proportion to the apportionment of fault)." The jury would be instructed that "it cannot completely absolve the defendant of liability or find plaintiff 100% liable." The dissent qualified its recommendation in this regard by observing that it would only be available in a case where it has already been established, as a matter of law, that the plaintiff could not have been the sole proximate cause of his accident.
Posted by ADeStefano at 5:24 PM
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Is Smaller Better for Wal-Mart?
Wal-Mart stock is up eight percent this year. Most people would be thrilled to have an eight percent growth in the value of what they own right now, but in the corporate world it's all about comparison. According to a story reported at money.msn.com smaller retail stores' stock prices have out-performed Wal-Mart substantially.
So, Wal-Mart is planning to open smaller stores. The number of Neighborhood Market stores will be increased. Wal-Mart Express stores, which are a tenth the size of a Supercenter, will begin to arrive in urban areas, as well. The big-box leader is seeking growth through little-box locations, according to a story reported at costar.com,which includes information on Target's smaller-store efforts, as well.


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Folklore / Folktales / Scottish Folktales
Thom And Willie
by Ian · Published February 18, 2013 · Updated December 18, 2018
THOM and Willie, two young fisher-mates of Lunna, in Shetland, were rivals for the hand of the fair Osla, daughter of Jarm. Now it so happened that, one October afternoon, they took their hand-lines and went out fishing together in their boat. Towards dusk the wind rose, and it soon blew so hard as to compel the young men to run for the nearest shelter–a haven in the islet of Linga in Whalsay Sound, which they happily reached in safety. The islet was uninhabited, and the fishermen had with them neither food nor the means of kindling a fire. They had, however, a roof over their heads; for there was a hut, or lodge, on the island,–used by fishermen in the fair weather season, but deserted since the close of that period. For two days the storm raged without ceasing, and at last the situation of the castaways began to grow very serious. However, on the morning of the third day, a little before daybreak, Willie, who was awake before his companion, discovered that the weather had faired, and that the wind blew in a favouring direction. Upon this, without rousing Thom, he proceeded to the boat, which lay safely hauled up upon the shore, and by dint of great exertion managed to launch her single-handed. Meantime Thom had awoke; and, at last, as Willie did not come back, he followed him to the noust, or place where boats are drawn up. And here a sight met his view which filled him with dismay. The yawl had disappeared from her place; but, raising his eyes, he beheld her already far out at sea and speeding before the breeze in the direction of Lunna. At this sight poor Thom gave way to despair. He realised that his comrade had basely and heartlessly deserted him; he knew that it was not likely that the islet would be visited until the fishing-season should have come round again; and he had small hopes of help from any exertions on his behalf which might be made by his friends, seeing that they would be in ignorance where to look for him. Amid melancholy thoughts and forebodings the day passed slowly, and at nightfall he betook himself to his shake-down of straw within the lodge. Darkness closed in, and he slept. But, towards the small hours of the morning, he was suddenly awakened; when great was his astonishment to see that the hut was lighted up with a strange illumination, whilst a queer inhuman hum and chatter, accompanied by the patter of many pairs of little feet and the jingle of gold and silver vessels, smote upon his ear. A fairy banquet was, in fact, in course of preparation in the lodge. Thom raised himself noiselessly upon his elbow, and watched the proceedings. With infinite bustle and clatter, the table was at last laid. Then there entered a party of trows, who bore between them in a chair, or litter, a female fairy, to whom all appeared to pay honour. The company took seats, and the banquet was on the point of commencing, when in a moment the scene of festivity was changed to one of wild alarm and confusion. A moment more, and Thom learnt to his cost the cause of the sudden change. The presence of a human being had been detected, and at a word from their queen the "grey people," swarming together, were about to rush upon the intruder. But in this trying juncture Thom did not lose his presence of mind. His loaded fowling-piece lay by his side, and, as the fairies rushed upon him, he raised it to his shoulder and fired. In an instant the light was extinguished, and all was darkness, silence, and solitude.
Let us now return to the perfidious Willie. Reaching Lunna in safety, he related a tragic tale (which he had invented on the voyage), to account for the absence of his comrade; and, finding that his story was believed, he began anew, without much loss of time, to urge his suit with the fair Osla. Her father, Jarm, regarded him with favour; but the maiden herself turned a deaf ear to all his entreaties. She felt that she could not love him; and, besides, she was haunted by a suspicion that Thom, in whose welfare she felt a tender interest,, had been the victim of foul play. Pressure was, however, put upon her, and in spite of her objections, an early day was fixed for the wedding. The poor girl was in great distress. However, one night, when she had cried herself to sleep, she dreamed a dream, the result of which was that next morning she proceeded to the house of Thom's parents, and begged them to join her in a search for their missing son. This, notwithstanding their love for him, they were somewhat reluctant to do; arguing that, even supposing him to have been abandoned, as she divined, upon one of the rocky islets of the coast, he must ere now have perished from exposure and starvation. But the girl persisted in her entreaties, which at last prevailed. A boat was manned, and by Osla's direction was steered towards Linga, upon approaching which, sure enough, as the girl had predicted, it was discovered that the islet had a human tenant. Thom met his friends on the beach, and when the first eager greetings had passed, surprise was expressed at the freshness and robustness of his appearance. But this surprise increased tenfold when, in recounting his adventures, he explained that, during the latter days of his isolation, he had supported life upon the remains of the scarcely-tasted fairy banquet, adding that never in his life before had he fared so delicately. On their return to Lunna, the party were received with rejoicings; and it is scarcely necessary to add that Thom and Osla were soon made man and wife. From that time forward Willie prospered no more. The loss of his health and fortune followed that of his good name, and he sank ere long into an early and unregretted grave.
Scottish Fairy and Folk Tales, by George Douglas, [1901]
Llyn Ebyr
by Ian · Published December 29, 2012 · Last modified December 9, 2018
Buckley Hall
by Ian · Published April 10, 2015 · Last modified December 2, 2018
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Reed, after a recent visit to Ukraine, calls for the US to supply longer-range missiles
/ World News / By Staff Editor
Ukrainian President Volodymyr Zelenskyy greets US Sen. Jack Reed, D-RI, during Reed's recent visit to Kyiv.
Sen. Jack Reed is calling for the Biden administration to equip Ukraine with a longer-range tactical missile system and also expressing support for a new wave of attacks on Russian forces.
In interviews with USA Today on Wednesday and The Providence Journal on Thursday, Reed publicly called on the administration to send the longer-range missiles to Ukraine.
Such missiles would give Ukraine additional capability "to keep up the momentum and then attack successfully as soon as possible," said Reed, Rhode Island's senior senator.
His comments on the missiles' importance follow his visit last week with Ukrainian President Volodymyr Zelenskyy in Kyiv.
They also follow November's election, which left the Democrats in control of the US Senate. Reed remains chairman of the Senate Armed Services Committee.
He said Wednesday that he understands, based on his recent discussions with Zelenskyy and Ukrainian military officials, that Ukraine needs the longer-range missiles to continue targeting Russian forces' logistics and command posts and to keep its forward momentum "and hopefully in the spring start." conducting extensive offensive operations."
"I've been very conscious of their requests (for the missiles)," Reed said. "They've been asking for them."
Many of Ukraine's gains last year were aided by missiles from the shorter-range Guided Multiple Rocket Launch System, he said. The GMRLS missiles have a range of roughly 60 miles, Reed said.
Lately, he said, invading forces sent to Ukraine by Russian President Vladimir Putin have made adjustments.
Russian commanders are trying to keep themselves and their depots beyond the range of the GMRLS missiles, Reed said.
For this reason, Reed sees a role for the Army Tactical Missile System, whose missiles have a range of roughly 100 miles, he said.
"So if you disrupt their command and slow up their supplies, you have a much more effective opportunity to attack, succeed and continue to attack," Reed said.
Both GMRLS and ATACMS missiles are fired from the same launcher, the High Mobility Artillery Rocket System.
Reed said he has discussed the missile-range issue with Zelenskyy and also with members of the Ukrainian military.
He emphasizes the importance of being confident that Ukraine would fire the longer-range tactical missiles only at targets within its territory and not into Russia.
"There's always the possibility of escalation," Reed said. "And we've been very conscious of that. It's one of those things where that might be so overt that the Russians, or rather Putin, would feel that he had to do something, which could lead to escalation…."
The Biden administration has not yet announced any decision on Ukraine's request for the longer-range missiles.
This article originally appeared on The Providence Journal: Sen. Jack Reed wants to arm Ukraine with longer-range missiles


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A Bone Marrow Transplant and a New Lease on Life
By Kristin Garcia | Digital Marketing Project Manager
In 2013, Michael, a recent high school graduate, was excited to start the next chapter in his life. He had applied to a trade school and looked forward to pursuing a career in welding when he came down with what he thought was a bad cold. Unfortunately, it turned out to be much more severe than a cold and, ultimately, Michael required a bone marrow transplant.
After weeks of feeling ill, he finally went to the emergency room — but they just sent him home with no resolution. Two more visits to the emergency room led to the same diagnosis — a bad cold — and advice to go home and rest. But Michael knew something more serious was wrong. He insisted upon a series of blood tests to get to the root of the problem. What happened next turned out to be a devastating and unexpected blow for Michael and his family.
The tests pointed to acute myeloid leukemia (AML), a rare type of cancer that develops rapidly and can be fatal within a few months if not treated quickly. AML starts in the bone marrow but can quickly spread into the blood and can affect other parts of the body, like the spleen and lymph nodes.
At just 20 years, and a healthy young man up until that point, Michael had trouble absorbing the news. "I was really upset. I kept asking 'Why is this happening to me?' I gave up on faith," Michael said. His mom, Glafira, remembers her state of disbelief upon receiving the diagnosis. "We went to see an oncologist at Stanford and I remember hoping he would tell me Michael had been misdiagnosed," Glafira said.
But the diagnosis proved correct and Michael needed to start treatment right away. He received multiple rounds of radiation and chemotherapy, along with blood transfusions at least once a week to keep his red blood cell count up. After a couple of weeks in the hospital, he was able to go home to wait for an HLA antigen match who could successfully donate bone marrow.
Michael's younger brother, Brian, couldn't wait to get tested and hoped he could help save his brother's life. Unfortunately, Brian was only a 50% match so Michael's body would most likely reject his marrow. Luckily, three months later, a 97% match was found. In March 2014, after more rounds of radiation, chemotherapy, and receiving a large amount of platelets, Michael received a bone marrow transplant.
The hard part was seemingly over once Michael received healthy bone marrow. Unfortunately, though, over the next several months he became very ill — not an uncommon occurrence in transplant recipients. He couldn't eat and dropped to a very thin 115 lbs. from his normal weight of about 160 lbs. During this time, Michael received daily blood transfusions to help keep him alive, because his own white blood cell count dipped dangerously low from the radiation and chemotherapy he received before transplant.
Finally, Michael's new bone marrow started making white blood cells on its own and his body started to heal. Today, Michael is in remission, and his family is trying to go pick up where they left off before leukemia disrupted their lives. "We are extremely thankful that the Stanford Blood Center was there to save my son's life," said Glafira. Michael added, "If you donate blood, you could save a life. It could be a husband, a child, a brother, a mother — someone else's or your own."
If you are inspired by Michael's story and would like to donate blood for patients like him, please call 888-723-7831 make an appointment or visit sbcdonor.org.
About Blood Donation / FAQs
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Smart Home/
Vacuums/
Will Greenwald Dyson DC59 Motorhead The Dyson DC59 Motorhead vacuum adds more floor-sweeping and upholstery-cleaning power to the performance offered by the slightly less expensive DC59 Animal.
Dyson DC59 Motorhead
By Will Greenwald
More powerful motorized heads are even better at picking up dirt than before. Elegant, simple design. Lots of accessories.
Expensive. Dust receptacle is small. Less-than-stellar battery life.
The Dyson DC59 Motorhead vacuum adds more floor-sweeping and upholstery-cleaning power to the performance offered by the slightly less expensive DC59 Animal.
We really liked the Dyson DC59 Animal when we tested it earlier this year. The hand-held, cordless vacuum is strong enough to replace an upright model, and its floor cleaning head can cover wide swaths of carpet and hardwood floors. Now Dyson offers a slight bump-up model in the DC59 Motorhead. It's almost identical to the DC59 Animal, but even more powerful floor-cleaning and pet hair/upholstery heads let you attack dust with an Iron Fist. (And now you know that Motörhead has more than that one song in their ongoing, nearly 40-year career. You're welcome.)
The new heads are so much more effective, and the higher $549.99 price tag is such a scant bump up from the DC59 Animal's $499.99 price, that the DC59 Motorhead earns our Editors' Choice for cordless, non-robotic vacuums. If you want a robot vacuum, however, the Editors' Choice Neato XV Signature Pro is just $450 and should definitely be on your radar if you don't mind the drop in power. Of course, for non-robotic vacuums, $550 is a sky-high price buoyed mostly by the cachet of the Dyson brand.
Like its predecessor, the DC59 Motorhead is built around a main handheld vacuum component, and comes with a generous assortment of accessories, including a floor cleaning head, an extender wand, a mini tool for upholstery and pet hair, a crevice tool, a charger, and a docking station (which is effectively a plastic bracket you thread the charger into, and can mount on a wall to hold the vacuum with wand securely). The vacuum component looks a lot like a laser gun. It's angular, with a gray plastic pistol grip below the motor and above the battery.
Both DC59 vacuums work with a pull of the pistol grip trigger, and you can boost the suction power by pressing the MAX button on the butt of the vacuum (though battery life will take a hit). Dyson's two-tiered, 15-chamber radial cyclone system and the clear cylindrical dust compartment sit in front of the grip. The cyclone system is a chromed, reflective plastic that's contoured around each chamber, with a removable, washable filter directly in the middle. The DC59 Motorhead uses the same Dyson 350-watt V6 digital motor, which can spin up to 110,000 times a minute, and Dyson's two-tier, 15-cyclone suction system. These parts proved to produce a very powerful suction for a handheld cordless vacuum in the DC59 Animal, and the DC59 Motorhead is no different.
The floor cleaning head is the only significant change in the vacuum compared with the DC59 Animal, and I cover it in-depth below. But the Motorhead does distinguish itself in one notable way from the Animal: While the grip, accents, and accessories are the same matte silver color, the inside of the reservoir and the long wand attachment (that, along with the floor cleaning head, lets the vacuum function like an upright) are magenta in contrast to the Animal's violet reservoir and wand.
The DC59 Motorhead is as elegantly designed and as simple to use as the DC59 Animal, but it also shares the same flaws. Its dust canister, built into the vacuum component, is small and can easily fill up after cleaning one large room. You can empty it without touching it by pulling on a lever near the trigger, which drops out the bottom of the canister. However, the DC59 Motorhead can pick up such tiny dust particles that unless you hold it directly inside a trash can, you can expect some dirt to go flying. Additionally, large and dense clumps can become stuck in the canister and must be manually removed. Also, the DC59 Animal's middling 26-minute maximum battery life is made slightly more disappointing with the DC59 Motorhead, which dips to a maximum of 24 minutes because of the new, more powerful motorized floor cleaning and pet hair/upholstery heads (explained below).
Motorized Heads
Besides the color, the only change in the DC59 Motorhead from the DC59 Animal are the floor-cleaning and pet hair/upholstery heads. The floor-cleaning head is the same 10 inches wide and features the same types of carbon and nylon bristles as the DC59 Animal's, but it's larger and bulkier to accommodate its own motor to spin the larger-diameter brush bar. The bar spins on its own, effectively adding a motorized scrubbing action to the vacuum's suction. Dyson claims it's 75 percent more powerful than the DC59 Animal, but quantifying that beyond suction is a dubious task. Without the floor cleaning head, the DC59 Motorhead is literally just a different-colored version of the DC59 Animal.
The motorized head is definitely more effective at picking up dust from both carpets and hardwood floors than the DC59 Animal's unpowered floor-cleaning head. We tested them back to back in the PC Labs with a variety of crumbled snack foods stomped into the carpet. Both picked up the crumbs, but the DC59 Motorhead got the larger pieces and tiny bits with fewer passes than the DC59 Animal. It's well worth the $50 upgrade if you plan on using either vacuum as your main floor cleaner.
The upholstery and pet hair tool is also motorized, unlike the DC59 Animal. The DC59 Animal was already very good at cleaning up pet hair from furniture, but the motorized head gives the DC59 Motorhead an extra boost for really rubbed-in sheddings.
The Dyson DC59 Motorhead isn't perfect. Its battery doesn't last particularly long, and a few frustrating design elements hold it back. However, it's powerful, elegantly designed, and incredibly useful, and can easily become your main vacuum cleaner despite its cordless, handheld form. It carries the Dyson premium with a $550 price tag, and justifying that is more a matter of personal preference and budget than evaluation of quality for a vacuum cleaner. Dyson makes excellent vacuum cleaners, but they always cost significantly more than similar, non-Dyson vacuum cleaners, and the value proposition is something that depends entirely on how much you value the name and the level of quality that comes with it. If you can drop half a grand on a vacuum, you can (and should) add $50 to that and get the Dyson DC59 Motorhead.
Bottom Line: The Dyson DC59 Motorhead vacuum adds more floor-sweeping and upholstery-cleaning power to the performance offered by the slightly less expensive DC59 Animal.
Hoover Air Cordless Series 3.0
Will Greenwald Senior Analyst, Consumer Electronics
Will Greenwald has been covering consumer technology for a decade, and has served on the editorial staffs of CNET.com, Sound & Vision, and Maximum PC. His work and analysis has been seen in GamePro, Tested.com, Geek.com, and several other publications. He currently covers consumer electronics in the PC Labs as the in-house home entertainment expert... See Full Bio
More From Will
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Apple iPad vs. iPad Air vs. iPad mini vs. iPad Pro: Which Tablet Should You Buy?
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Eternity Warriors 2
Eternity Warriors 2 is a Free to Play, Action-Adventure, Combat, Co-op and Multiplayer video game developed and published by Glu. According to the story, the vicious demon force is invading the human world and try to rule over it. The player controls a warrior against the demon creatures and defeats them to restore the peace… read more
What are best Eternity Warriors 2 Alternatives for PS2?
94 4 5 60 1 9 4 12 22 14 9 23 15 4 2 3 11
#1 Champions of Norrath
Champions of Norrath is an Action-Adventure, RPG, Hack n Slash, Single and Multiplayer video game developed by Snowblind Studios and Published by Sony Online Entertainment. The player can take on the role of the protagonist, who starts his epic adventure to save his world through a series of battles and quests.
He can choose his race and skills and get into the game world where the player can explore the different world, collect weapons, and get combat against the monsters. The game offers various characters, and each has a series of spells and skills.
Champions of Norrath comes with an open-world environment, in which the player can move in the massive game world freely to interact with the situation. NPCs assign the player quests, and he has to complete them all to progress.
Champions of Norrath include prominent features such as different Modes, various equipment, cooperative multiplayer modes, and magical spells, etc. With stunning gameplay, content-rich story plot, and fantastic visual details.
#2 Spartan: Total Warrior
Spartan: Total Warrior is an Action-Adventure, Combat, Hack and Slash, and Single-player video game created by Creative Assembly and published by Sega. The story of the game revolves around the Spartan warrior secretly guided by the God Area, as he battles alongside his Greek allies against the Roman Empire.
It is an addictive hack and slash game, in which the player can use two different attacks, such as simple attack and radial attack, and each attack the player can modify in specific ways. There are different kinds of melee weapons, such as bow, shield, sword, and magic power. The player can unlock new weapons and several upgrades that he can use to improve his magical attacks.
It offers an isometric perspective from which the player can navigate different maps freely to interact with NPCs, take quests, and try to complete them all. At the start, it looks simple, but after completing a few tasks, the player will face more powerful enemies in large maps.
Spartan: Total Warrior includes prominent features such as different maps, multiple modes, shield attacks, large numbers of enemies, and dynamic background music. With fantastic game mechanics, smooth controls, and beautiful visual details.
#3 Soul Reaver 2
Soul Reaver 2 is an Addictive, Action-Adventure, Hack and Slash, Fantasy, Third-person Perspective and Single-player video game developed by Crystal Dynamics and published by Square Enix. The game offers a combination of fast-paced and puzzle elements, serving the 3rd game in the famous series of Legacy of Kain.
In the game, the player can assume the role of the protagonist named Raziel, who is a Ghost. The game takes place in the dark fantasy environment and allows the player to take revenge for his murder from Kain, who is his former master. The player can interact with objects and weapons and can use them against his enemy.
The game includes various missions that the player must complete to earn experience points that he can use to get upgrades, items, additional weapons, and other stuff. In the game, the protagonist can climb on walls, glide, fire bolts, and swim. Must guide the vampire and complete all the tasks to take revenge from murderers.
Massive variety of Weapons, New Environment, Puzzle-based, Hack and Slash System, Vampire Hunters, etc. are the core features of the game. With the enhanced mechanics, superb and stunning visuals, addictive gameplay, and smooth controls, Soul Reaver 2 is one of the best games to play and enjoy.
#4 God of War
God of War is an Action-Adventure, Hack-and-Slash, and Single-player video game series developed by SIE Santa Monica Studios and published by Sony Interactive Entertainment. The story of the game revolves around the protagonist named Kratos, a Spartan who tricked into killing his beloved daughter and wife by his master, who is a god of war Ares.
The protagonist Kratos kills the god of Ares following the order of the goddess Athena and take over his place and become a new god of war and soon haunted by the horrible nightmares of his past. The king of the Olympian betrays the protagonist, and now Spartan gets ready to take revenge for the machinations of the gods.
The first game was released on 22 March 2005 and available to play on the PlayStation platform only. The whole series consists of various installments such as God of War, God of War II, and God of War: Betrayal, God of War III, and more. The series of Six Single-player video games and 7th entry is offering Multiplayer Mode.
The game offers a combination of Platform, Puzzle, Combat, Hack-and-Slash elements, and lets you take on the role of the protagonist to achieve several tasks and complete the story. The character is equipped with double-chained blades and can be used to smash, hack, and kill the enemies. With the best mechanics, addictive gameplay, Experience points system, most prominent features, and stunning visuals, God of War is the best video game series to play and enjoy.
#5 God of War II
God of War II is an Action-Adventure, Dark Fantasy, Third-person Perspective, and Single-player Hack and Slash video game developed by SCE Santa Monica Studio. The game is available to play on the PlayStation platform.
It is the 2nd marvelous game in the series of God of War game. The game focuses on Greek mythology and takes place in the world of ancient Greece. The player can control the protagonist named Kratos, who is a new god of war and killed the Ares. The protagonist betrayed by the King of Olympian gods named Zeus, who strips and kills him.
Titan Gaia saved Kratos and instructed him to locate the sister of Fate. The game embarks the player on an epic quest, where the player must travel back in time and take the revenge for his murder from Zeus. The game offers similar gameplay to the earlier edition and focuses on combo-based, platforming, and puzzle elements.
The primary weapon of the player is a pair of sharp blades attached to a chain. The game contains a lot of levels and allows the player to complete each one. Each level filled numerous enemies that the player must kill them to shift to the next level. The player can earn XP points as he ends the level and destroys the enemies. With the enhanced mechanics, graphics, story, and gameplay, God of War II is the best game to play and enjoy.
#6 Chaos Legion
Chaos Legion is an Action-Adventure, Hack and Slash, Dark Fantasy, Third-person Perspective, and Single-player video game created and published by Capcom. In the game, the player can take on the role of the protagonist named Sieg Warheit, who is a Knight of the dark forces.
The game takes the player on an epic quest where he must locate his former friend named Victor Delacroix, who has stolen the powerful book called Apocrypha of Yzarc. Must stop him from releasing the evil spirit Azrail and save the world from devastating.
In the game, the player has to complete all levels and fight against hordes of enemies and must defeat them to progress in the story. It includes four different areas for increasing the power of legions such as Force, Assist, Enchant, Attack, and Defense.
Lots of core features are available, including Upgrades, Puzzle and Platform elements, Exploration, Monsters, Power-ups, and more. With the exciting story, brilliant mechanics, addictive and immersive gameplay, and Ultra HD graphic details, Chaos Legion is a fantastic game to play and enjoy.
#7 Monster Hunter
Monster Hunter is an Action Role-playing, Single-player, and Online Multiplayer video game created and published by Capcom. The game lets the player form and customize his playstyle or select from four styles, including dominant, and striking hunter arts to immerse himself in RPG experience.
The game offers a combination of crafting, exploration, and third-person perspective elements. In the game, the player can get into the role of the hunter, and must accomplish different challenging quests for glory.
The player can craft items, weapons, and armors from the remains of monsters slain. He can team-up with more than three other hunters to fight against stronger monsters. The game consists of three types of quests, such as Capture, Hunting, gathering.
The game consists of different levels and lets the player complete each one. Monster Hunter is one of the best Action Role-playing game to play and enjoy.
#8 Diablo
Diablo is an Action Role-playing, Hack, and Slash, Single and Multiplayer video game developed by Blizzard North. The plot takes place in the fictional world of Khanduras situated in Sanctuary. The game puts you in the role of a Lone Hero fighting against Diablo (the Lord of Terror) to save the world.
The player traverses through sixteen procedurally generated dungeon levels and faces Diablo. It is the first game in the marvelous series of Diablo, offering exciting gameplay and a set of challenges to complete. You can explore the game world and can interact with the environment. In the game, you can perform various actions, including Lean Spells, Acquire Items, Interact with NPCs, and Defeat enemies.
It includes three different character classes such as the Sorcerer, the Warrior, and each comes with unique attributes, skills, and abilities. Each type is capable of using the same spells and items to defeat the enemies.
The game rewards the player with points that he can use to unlock additional content. With addictive gameplay, stunning visuals, dungeon crawling, and brilliant mechanics, Diablo is the best game to play and enjoy.
#9 Onimusha 3: Demon Siege
Onimusha 3: Demon Siege is an Action-Adventure, Third-person, Combat, Hack n Slash, and Single-player video game developed and published by Capcom. In this game, the player can control a protagonist who starts his epic adventure against the enemy creatures who are trying to destroy the world.
The game offers an open-world environment, where the player can freely move to eliminate enemies, collect power-ups, and complete objectives to progress. The player can kill enemies and reaps the enemies' souls to help him to restore his health.
Onimusha 3: Demon Siege includes vital features such as different Mini-games, lots of Upgrades, Magical Spells, various Weapons, and Achievements, multiple puzzles, etc.
The game offers immersive and quite addictive gameplay, excellent visuals, and dynamic background music. Do try it out, you'll enjoy it at all the things in this brilliant game.
#10 Eragon
Eragon is a Hack-and-Slash, Action-Adventure, Single and Multiplayer video game based on a movie known as Eragon developed by Stormfront Studios and published by Sierra Entertainment.
The game puts the player in the role of the protagonist named Eragon with is a dragon called Saphira. During the hunting, the protagonist finds a mysterious stone. The protagonist keeps the exposed rock to seel in the future at a reasonable price.
In reality, the stone is an egg of a dragon, and the protagonist names the baby of dragon Saphira from the names of dragons that he heard from his elders. The dragon attracts the attention of the brutal king named Galbatorix. The King orders his servant to find the dragon.
The game consists of several quests, and the player must complete each one at any cost to earn points. As the game progress, it becomes challenging. Earn experience points, defeat hordes of foes using the mighty sword, and conquer the world.
Explore exciting landscapes and interact with NPCs to progress through the game. With superb mechanics and incredible gameplay, Eragon is the best game to play and enjoy.
#11 Baldur's Gate: Dark Alliance
Baldur's Gate: Dark Alliance is an Action Role-playing, Hack and Slash, Co-op, Single and Multiplayer video game developed by Snowblind Studios and published by Black Isle Studio. The game takes place in the unforgivable Realms of Dungeons and Dragons based on the rules of the third edition.
It uses a third-person perspective to navigate the environment with a three-quarter top-down view. There are different character classes, such as a Dwarven Fighter, a Human Archer, an Elven Sorceress, and more. You can select one of them to start your game and can customize him using different accessories and items in your style.
Your primary objective is to earn experience points by defeating enemies and level-up. Each character in the game has a unique set of abilities, weapons, and items. According to the story, Kromlech and Adrianna reaching in Baldur's Gate and are attacked by a team of thieves command by Karne.
You must assume your role, fight against thieves who threatened the city and rescue the people. As you advanced, the game becomes challenging. With addictive gameplay, well-written story, and superb mechanics, Baldur's Gate: Dark Alliance is the beautiful game to play and enjoy.
#12 Iron Man
Iron Man is an Action-Adventure, Combat, and Single-player video game developed by Secret Level and published by Sega. The gameplay focuses on the movie of the same title, as well as the iterations of the character.
It offers similar gameplay to other Third-person Shooter games, in which the player controls Iron Man to move across the world to complete missions freely. During the gameplay, the player can use his modern suit to defeat enemies and progress the story.
It has a series of missions, and in each one, the player can face more powerful enemies with varied abilities. Each completed task offers a huge reward which the player can use to unlock new missions and upgrade his abilities.
Before the start of each level, a brief instruction appears on the screen to guide the player about the challenging objectives. The game includes more prominent features such as explore the indoor and outdoor environment, fly high in the air, different kinds of weapons and unlockable achievements, etc. Iron Man offers quite impressive gameplay, great controls, and beautiful visual details.
More About Eternity Warriors 2
Eternity Warriors 2 is a Free to Play, Action-Adventure, Combat, Co-op and Multiplayer video game developed and published by Glu. According to the story, the vicious demon force is invading the human world and try to rule over it.
The player controls a warrior against the demon creatures and defeats them to restore the peace. It offers several characters, and each has unique skills, weapons, and fighting style. After selecting an avatar, the game allows the player to destroy all the demon towers and defeat the demon army to save humanity.
The game offers an isometric view and allows the player to freely move across the world, use his unique weapons, and accomplish numbers of the task to progress.
Eternity Warriors 2 offers the most prominent features such as different modes, powerful enemy creatures, ultimate dungeon crawling, fast-paced combat, collect power-ups and weapons, etc. The game offers quite addictive gameplay, a well-written storyline, and brilliant graphics details.
3D Co-op Combat Exploration Multiplayer NPC Open World Single Player Skill


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Popsicles Around the Country
As the heat of the summer is in full force, it's very important to stay hydrated. While a glass of ice cold water is probably the best option, we shouldn't overlook the rejuvenating powers of a frozen, fruity popsicle on a hot day. We searched far and wide throughout the country for "mom-and-pop" popsicle joints that are serving up equally creative and refreshing ice pops to help maintain your body temperature and quench any sweet tooth.
Popbar
Located in New York City, Popbar offers gelato, sorbet, and yogurt pops. Not only that, but you can also customize your dream pop by choosing your base flavor, toppings, and chocolate dipping sauces. Some of their most popular flavors are the pistachio chocolate, blood orange, and hazelnut with dark chocolate.
The Pop Nation
A family-run business that got its start in San Francisco in 2011, The Pop Nation focuses on popsicles inspired by the central american paleta that use natural, local ingredients whenever possible. All of the pops are vegan and gluten free, like the "Bangkok Night Market" (pictured), which is one of their signature spicy pops.
Lil' Pop Shop
Lil' Pop Shop is a not only a "lil' shop" in Philadelphia, but they also have a food truck that you can find out and about, or it can cater to your next event. The popsicles here have unique combinations of flavors like coconut hibiscus or earl grey and black pepper, plus all the ingredients are locally-sourced and natural, using minimal amounts of added sugar.
SixStrawberries Artison Ice Pops
Based in Seattle, SixStrawberries can be found in local farmer's markets, stores, and in their mobile cart. With flavors ranging from strawberry rhubarb pie to birthday cake (pictured) to chocolate dipped peanut butter to matcha green, they've got a pop for all of your sweet cravings.
La Newyorkina Popsicles
After Fany Gersen made a trip to her home country, Mexico, she was inspired to reproduce these sweet treats of Mexico with the city of New York. Everything at La Newyorkina is made from scratch with local, seasonal ingredients or imported ingredients from Mexico, like vanilla bean and dried chiles. You can find these pops all over New York City, including carts of them for sale on the Highline!
Viva Pops
In San Diego, California, Lisa Altmann is churning out some mean-tasting popsicles. We're talking strawberry balsamic and lavender honey goat cheese (as pictured), among a host of other brave flavors that change with the seasons. Find your Viva Pops at her location in San Diego, plus farmer's markets and other retailers.
People's Pops
Based in Brooklyn, People's Pops has locations in NYC as well, spreading their pops and shaved ice creations all around New York. They pride themselves on using fruit from New York City greenmarkets and constantly changing their flavors based on in-season produce.
The Ice Bar
I think we can all agree that the best way to battle the California summer heat is with customizable ice pops, like this Vietnamese coffee pop with vanilla bean gel, condensed milk, fresh mochi, toasted hazelnuts, and coffee powder. With options ranging from creamy to tangy to rich to sour, there's something for everyone's liking here.
Aikopops
Situated on the famous Pearl Street in Denver, Colorado, Aikopops began serving their pops in 2011. Always organic, local, gluten-free, and fresh, Aikopops offer a slew of wild flavor combinations that challenge the palate and your perception of a typical popsicle. Avocado orange, honey blue cheese, tomato basil, and apple wasabi are just a few of the creative pops that keep customers going back for more.
The Cosmopolitan of Las Vegas
These popsicles bring together alcohol and poolside fun, all in the party atmosphere of Las Vegas. At the Cosmopolitan Hotel, you can relax poolside and beat the heat with these boozy popsicles crafted by mixologists behind the bar.
Pub Pops at Publican Quality Meats
Pastry chef Anna Shovers has brought her ice cream push-pop creations to this butcher shop and market in Chicago. The decadent ice cream flavors range for goat milk toffee, to chocolate brownie to strawberry shortcake, but regardless of the flavor, this fun way of eating ice cream on a stick will certainly take you back to your childhood.


SlashPRO Slash Resistant Arm Guards are made out of PPSS' very own ultra-high cut resistant fabric, Cut-Tex® PRO - offering absolutely outstanding, tested and certified levels of cut, abrasion and tear resistance.
All measurments above are taken flat in centimetres. All measurements are approximate and offered as a guideline only.


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Q: Check if select field is selected in Protractor I am writing a test which takes into consideration whether a select has been pre-populated.
it('should select field if it was not selected', function() {
  var usersField = element(by.id('users'));

  usersField.getAttribute('value').then(function(value) {
    console.log('value = ', value);

    if(!value) {
      //select first option if not pre-populated
      usersField.all(by.tagName('option')).get(0).click();
    }
  });
});

I have tried usersField.getText() but that just lists all the options from the dropdown so it doesn't help. My console log returns ? object:null ? for the value. Why is that? How can I simply check the value of the selected option if it's there and if not, select the first option?

A: Did you make sure the element actually has a value attribute? maybe it doesn't.
And also, have you tried with isSelected() method?
var foo = element(by.id('foo'));
expect(foo.isSelected()).toBe(false);

redpajama_set_name: RedPajamaStackExchange


ColdFusion is the most important tool in my development toolbox; but it's not the only tool. Developers are wise to embrace new technologies and not become too entrenched in one solution.
Back in the day, I was all in on the Commodore Amiga. In the late 80's / early 90's it was a beast of a machine. Imagine a 14 megahertz processor that could power full screen 600 x 400 animation at a full thirty frames a second, and without breaking the budget. I had two machines… an Amiga 500 and an Amiga 2000 that had a Video Toaster in it. (Seriously… click that link and watch the demo. It looks tacky and campy by today's standards, but in 1992, that was the pinnacle.) The Amiga was amazing, and I was a zealot. Windows? Sucked. Macs? Too expensive. The Amiga was the way to go. Powerful. Inexpensive… clearly the best choice to get anything done quickly, efficiently, and professionally.
I may have been under 20 years old and a little opinionated on the way I saw the world. But I digress.
The Amiga had a problem. And it was its owners; Commodore. Their lack of marketing and understanding of how good of a product they had on their hands, along with supply line constraints caused the ecosystem to wither, and eventually, die. I held out and used my A2000 right up to the point Windows 95 came out. Then, the Windows operating system had (more or less) caught up to the point where sticking with the Amiga wasn't feasible. And then I switched.
That was a humbling decision. The platform that I coveted and preached the benefits of was unsustainable and I had to let it go. I honestly believed that it was the superior technology; but it wasn't meant to be.
When I first started with ColdFusion, it seemed like there was nothing it couldn't do; and indeed, I relied on it for a lot of things. Many things I no longer would dream about having ColdFusion handle. I was heavy on Flash Forms back in the MX 6.1 and MX 7 days. I wouldn't even consider something like that now. I don't typically use <cfform> either, except when I encounter it in legacy code. There's just different ways to handle those sort of interactions.
I've seen developers who tend to stagnate. My current contract position was started in 2000, and has been ever-evolving legacy code from developers who have not had the time, or taken the opportunity to expand the types, styles, and methods they use to build web pages. Each page is a silo. There's no methodology. Queries are inline. It works… but it's a very old way of programming. The lead developer still uses Dreamweaver CS 3 as their editor because… well, it supports the style of programming they learned in 2000 and never evolved from.
Today, I'm much less of a zealot. People have asked me, "are you a PC guy, or a Mac guy?" I respond, "I'm a computer guy." The bottom line is that these devices we use are tools, and choosing one over another is largely a matter of preference. That being said, I personally prefer Macs but I don't begrudge anyone their choices for the technology they prefer. Like Android over iOS? Great! It's an excellent platform. Prefer Node over Vue? Awesome! Both have their advantages. Use the tools that work best for you.
The same goes for application and web development. ColdFusion is (and will likely continue to be) the most important tool in my toolbox. It just does so !@#$% much, so well, and so effortlessly. But at the same time, I try to advocate for whatever tools get the job done, as I stated before, quickly, efficiently, and professionally. Currently my toolbox tends to be heavy on ColdFusion, jQuery, Bootstrap, Node, and Angular. They're the tools I need to get my task done… and they do a damn good job.
Until one of them becomes unsustainable, and I need to move on once again. Technology is organic; and I've learned over the years to grow with it. Failing to do so will earn me the fate of my beloved Amiga.
I think I am on the same page as you. I develop with ColdFusion, but I don't do it the same way as even five months ago. So me a better way, I will use it. Show me a tech that replaces a whole chunk of CF, and I will do that to if it is better.
OTOH, if I have to type twice as much and in a dozen places, I am not going to be happy. And more importantly, I will not be as productive.


text:
Neptunea insularis är en snäckart som först beskrevs av Dall 1895.  Neptunea insularis ingår i släktet Neptunea och familjen valthornssnäckor.

Underarter

Arten delas in i följande underarter:

 N. i. convexa
 N. i. insularis

Källor

Valthornssnäckor
insularis

redpajama_set_name: RedPajamaWikipedia


text:
using namespace Halide;

namespace {

class Matlab : public Halide::Generator<Matlab> {
public:
    ImageParam input{Float(32), 2, "input"};
    Param<float> scale{"scale"};
    Param<bool> negate{"negate"};

    Func build() {
        Var x, y;
        Func f("f");
        f(x, y) = input(x, y) * scale * select(negate, -1.0f, 1.0f);
        return f;
    }
};

Halide::RegisterGenerator<Matlab> register_matlab{"matlab"};

}  // namespace

redpajama_set_name: RedPajamaGithub


text:
Dear Shareholders
Tecan saw strong demand for a number of its product lines to help in the global fight against the coronavirus pandemic, resulting in a substantial increase in sales and a surge in orders in the first half of 2020. Tecan has an important role to play in this unprecedented time, and we recognize the responsibility we have as part of the international effort to turn the tide on COVID-19. Our laboratory automation solutions and our disposable pipette tip business saw a substantial increase in demand, and we took a number of steps to expand the production capacity and supply of those product lines. At the same time, parts of our business faced significant headwinds, largely in non COVID-19 research and diagnostic testing.
This year we are celebrating Tecan's 40th anniversary. The company's purpose has always been to positively impact healthcare and the lives of all individuals, but Tecan's contribution has probably never been more apparent than during these times. We couldn't be more proud of our employees as they stepped up to the challenge presented by the COVID-19 pandemic, passionately supporting our customers in research, therapeutic and vaccine development and to an even larger degree with the scale-up of diagnostic testing.
Financial results for the first half of 2020
Order entry increased by 24.3% in local currencies or 20.4% in Swiss francs. At CHF 374.0 million in the first six months of the year (H1 2019: CHF 310.6 million), order entry significantly exceeded the sales realized during the reporting period. Product lines supporting the global fight against the coronavirus pandemic saw a substantial increase in demand and, as a result, the order backlog again grew significantly to reach a record high as of June 30, 2020.
Sales climbed by 8.0% in local currencies or 4.7% in Swiss francs to CHF 310.0 million in the first half of the year (H1 2019: CHF 296.1 million). Demand for product lines used in the context of the coronavirus pandemic more than offset weaker sales trends in other areas of the portfolio, which were adversely affected by lockdowns as customers closed or restricted access to their facilities. Both business segments were impacted by this overall demand pattern and experienced pronounced headwinds and tailwinds.
Demand for pipette tips increased drastically due to the testing needs associated with COVID-19. As a result, overall recurring sales of services, consumables and reagents also increased in the first half of 2020 by 13.9% in local currencies and 9.9% in Swiss francs, thus amounting to 46.6% of total sales (H1 2019: 44.4%).
The reported operating profit before depreciation and amortization (earnings before interest, taxes, depreciation and amortization; EBITDA) rose to CHF 60.2 million in the reporting period (H1 2019: CHF 49.3 million). With an increase of 22.0%, reported EBITDA grew faster than sales due to several positive factors: 1.) as development projects progressed and neared product launch, more development costs were capitalized and were not recognized in research and development expenses, 2.) several operating cost items were lower, delayed or will be shifted to the second half of the year due to lockdown measures associated with the COVID-19 pandemic, 3.) an adjustment of the Swiss pension plan resulted in a one-time positive effect from past service costs. In addition, the reported EBITDA margin of the prior-year period included non-recurring costs of around 90 basis points. Acquisition-related costs for completed acquisitions were comparable in both periods. The reported EBITDA margin grew correspondingly to 19.4% of sales in the first half of 2020 (H1 2019: 16.6%).
Reported net profit in the first half of 2020 rose by 42.2% to CHF 36.0 million (H1 2019: CHF 25.3 million). Thanks to a lower tax rate in connection with the tax reform in Switzerland, net profit increased by more than operating profit (earnings before interest and taxes; EBIT). The net profit margin amounted to 11.6% of sales (H1 2019: 8.6%). Earnings per share rose strongly to CHF 3.02 (H1 2019: CHF 2.14).
Cash flow from operating activities more than doubled due to a focus on cash collection and management and reached CHF 82.8 million in the first half of 2020 (H1 2019: CHF 36.0 million), corresponding to 26.7% of sales (H1 2019: 12.1%).
Dr. Lukas Braunschweiler
Dr. Achim von Leoprechting
Chief Executive Officer (since April 2019)
Information by business segment
Sales in the Life Sciences Business increased by 4.3% to CHF 169.4 million (H1 2019: CHF 162.4 million) in the first half of the year and were 9.0% above those of the prior-year period in local currencies. The Life Sciences Business experienced strong demand for products supporting the COVID-19 response, mainly liquid handling and automation workstations as well as the associated disposable pipette tips.
However, parts of the Life Sciences Business also experienced significant disruption as customer facilities were closed or access was restricted to slow the spread of COVID-19. Product groups adversely impacted included detection instruments, research reagents for next-generation sequencing (NGS) and consumables for mass spectrometry sample preparation.
Order entry in the Life Sciences Business outpaced recognized revenues significantly in the first half of the year, with order backlog increasing at a substantial double-digit rate.
Despite continued acquisition-related costs, operating profit in this segment (earnings before interest and taxes; EBIT) rose to CHF 22.5 million (H1 2019: CHF 19.0 million). The operating profit margin was 12.6% of sales (H1 2019: 11.2%).
The Partnering Business generated sales of CHF 140.6 million in the period under review (H1 2019: CHF 133.7 million), which corresponds to an increase of 6.8% in local currencies and 5.2% in Swiss francs. Similar patterns to those in the Life Sciences Business were observed in the Partnering Business, with automation platforms, OEM components and disposable pipette tips to support COVID-19 testing being in high demand. By contrast, sales to customers exposed to other areas of routine diagnostics were adversely impacted.
Order entry growth also outpaced sales development in the Partnering Business, with the order backlog increasing at a double-digit rate.
Operating profit in this segment (earnings before interest and taxes; EBIT) increased to CHF 26.3 million (H1 2019: CHF 25.0 million), while the operating profit margin was unchanged at 18.6% of sales (H1 2019: 18.6%).
The regional performance was significantly impacted by the COVID-19 pandemic overall and the timing of the onset in different parts of the world.
In Europe, Tecan's sales in the first six months of 2020 increased by 6.0% in local currencies and by 3.3% in Swiss francs. The increase in sales was driven by the Life Sciences Business, with various larger instrument installations supporting PCR-based testing as part of the European COVID-19 response. Sales of the Partnering Business declined in Europe as several customers suffered from the decrease in doctor visits and related lower volumes in routine diagnostic testing as well as restricted access to labs.
In North America, sales in the first six months of 2020 rose by 2.9% in local currencies and by 0.1% in Swiss francs. The Partnering Business delivered double-digit revenue growth, mainly supplying platforms, components and disposable pipette tips for molecular coronavirus testing. By contrast, sales in the Life Sciences Business declined in the first half of the year as the local business suffered from closed facilities and restricted access to labs to perform instrument installations. However, demand for higher throughput automation systems accelerated substantially in the course of the second quarter in North America, and the Life Sciences Business recorded a double-digit increase in order entry for the first half of the year.
In Asia, Tecan recorded a significant increase in sales of 25.3% in local currencies and 18.4% in Swiss francs. This increase was driven by double-digit growth rates in both business segments. From as early as the beginning of the year, Tecan started to support local in-vitro diagnostic companies in China and South Korea, existing customers of the Partnering Business, with automation platforms for PCR-based COVID-19 testing. The Life Sciences Business performed particularly well in Australia and, when quarantines and lockdown measures started to be eased, also saw accelerating demand for its product portfolio in other markets in the Asia-Pacific region. Of particular note was the sales growth of Tecan in China, which outpaced that of the Asia region as a whole.
Operating highlights in the first half of 2020
During the first half of the year, all priorities were focused on ensuring the health and safety of Tecan employees, limiting any supply chain and freight interruptions and maintaining business continuity to support customers in these challenging times.
At the beginning of the year, efforts to keep Tecan associates safe were first focused on the China team. As COVID-19 spread to other parts of the world in the second quarter, the company quickly adopted a global "work from home" policy and significantly restricted travel. Tecan also activated its Pandemic Plan and implemented various measures and safety protocols at all sites to protect employees and keep business operations running.
To ensure a continued flow of goods and production, a COVID-19 task force was set up to diligently monitor the supplier base from the beginning of the outbreak. Products were categorized based on criticality of material availability, and stocking levels were maintained or increased as appropriate. All manufacturing sites introduced shift operations and production teams were segregated and separated to work in smaller, isolated groups. Through the implementation of these measures, Tecan continued to be fully operational at all production sites and provided undisrupted support to customers.
In anticipation of increased COVID-19 clinical testing and high customer demand associated with the global pandemic, Tecan took a number of steps to secure supplies of materials and expand capacity and supply for specific product lines, including certain instrument platforms and disposable pipette tips.
At the same time, Tecan continued to invest in research and development to position the business for sustained accelerated growth. Earlier in the year, Tecan launched the DreamPrep™ NAP, an integrated, fully automated solution simplifying nucleic acid extraction workflows. It combines the high productivity and precision of the Fluent automation platform with a Tecan Infinite 200 reader for integrated quantitation and normalization as well as dedicated reagents from a partner company. The DreamPrep NAP is also well positioned to help labs quickly and effectively scale up COVID-19 testing to accommodate larger test volumes.
Tecan also made good progress with a number of ongoing development projects in the Partnering Business.
Strong balance sheet – high equity ratio
Tecan's equity ratio was 69.8% as of June 30, 2020 (December 31, 2019: 70.1%). Net liquidity (cash and cash equivalents plus short-term time deposits minus bank liabilities and loans) reached CHF 354.0 million (June 30, 2019: CHF 264.5 million; December 31, 2019: CHF 312.4 million). At the Tecan Group Annual General Meeting on April 7, 2020, shareholders approved an increase in the dividend from CHF 2.10 to CHF 2.20 per registered share. Half of the dividend, i.e. CHF 1.10, was paid out from the available capital contribution reserve and was therefore not subject to withholding tax. The payout took place on April 15, 2020.
Outlook for full-year 2020 raised
Based on the positive business performance in the first six months of 2020, as well as on the high order backlog and the anticipated demand in the second half of the year, Tecan raised its outlook for full-year 2020. Due to the ongoing pandemic, this outlook is still subject to greater uncertainty than usual. In particular, these updated projections are based on the assumptions that supply chains remain undisrupted and all production sites stay fully operational.
Tecan now forecasts sales growth for full-year 2020 to be in the high single-digit percentage range in local currencies (previously "mid- to high single-digit percentage range").
At the same time, Tecan now expects a reported EBITDA margin in fiscal year 2020 closer to 20% of sales (previously "reported EBITDA margin of around 19.6% of sales"), despite a worsening of the currency environment. The revised forecasts for average exchange rates in full-year 2020 now assume one US dollar equaling CHF 0.95 (previously CHF 0.98) and one euro equaling CHF 1.08 (unchanged), leading to a negative foreign exchange rate impact that is already factored into the updated outlook.
The outlook 2020 does not take account of potential acquisitions during the course of the year.


text:
British Airways Won't Be a UK Airline Anymore If Brexit Deal Isn't Approved
by Gary Leff on November 14, 2018
On Monday Spanish language El Pais reported that British Airways parent company IAG was in talks with that country's government about ensuring the airline conglomerate would be a European – rather than UK – company once Britain leaves the EU, if no bilateral aviation deal is done in time.
While London is the most lucrative aviation market in the world, and the carrier's transatlantic routes and long haul business destination routes their bread and butter, they could find themselves with limited European traffic rights as a result of the move by the British government to exit the European Union.
IAG, the parent company of British Airways, has been in contact with Madrid since at least last month, El País newspaper reported on Saturday, citing Spanish government and EU sources.
According to the newspaper, IAG is speaking to Madrid in order to ensure it will still meet EU ownership rules if Britain leaves the European Union in a no-deal Brexit. This would be needed to ensure that its operating rights are not jeopardized following the UK's exit from the bloc.
However, Madrid and Brussels reportedly doubt whether the company's status of an EU airline would be maintained in a no-deal scenario.
IAG, which owns British Airways, Iberia, Aer Lingus, and Vueling as well as a small stake in Norwegian, currently has majority European ownership. Post-Brexit, UK owners would be excluded from that calculation and the company — which is registered in Spain — is expected to fall beneath that threshold. (Qatar Airways is the largest shareholder in IAG, and is neither British nor European.)
The company's headquarters, alongside British Airways near London Heathrow, could also prove problematic.
Brexit is schedule to happen March 29. There's an initial 500 page deal that's been reached which Prime Minister Theresa May must sell to her cabinet today and ultimately pass through the Parliament.
The full document will only be released once it's through the cabinet, however without this draft agreement time begins to run out and getting to an aviation deal becomes less and less likely. easyJet has created easyJet Europe and moved aircraft outside the UK in preparation for what may happen next.
Without a clean Brexit deal British Airways needs to lose its Briitshness. With enough coverage that could ultimately be enough to scare Parliament to pass it.
NB says:
I suspect that this report is misguided in several crucial details. First off, it's almost inconceivable that BA will not have thought this through many months ago and already put in place a plan – as you point out, EasyJet has put in place a plan. It would be particularly easy for BA to do this, given its corporate structure, whereas this report suggests that BA has a binary choice – either operate in the EU outside the UK or operate in the UK outside the EU. In reality it has subsidiaries in both jurisdictions which, with some legal manoeuvres could separately be able to continue in their respective jurisdictions.
So what does that mean for us, the consumer? Specifically those in the US. Is this good, bad or indifferent?
Time to rebrand to Iberia I guess.
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We would recommend performing an oral cancer self-examination monthly and remember that your mouth is one of your body's most important warning systems. Do not ignore suspicious lumps or sores; a biopsy may be necessary to determine the cause. Please contact us so we may help.


text:
The Dynamic Φ43 Model Comes Down from Infinity
Jean Christophe Mourrat, Hendrik Weber
We prove an a priori bound for the dynamic Φ34 model on the torus which is independent of the initial condition. In particular, this bound rules out the possibility of finite time blow-up of the solution. It also gives a uniform control over solutions at large times, and thus allows one to construct invariant measures via the Krylov–Bogoliubov method. It thereby provides a new dynamic construction of the Euclidean Φ34 field theory on finite volume. Our method is based on the local-in-time solution theory developed recently by Gubinelli, Imkeller, Perkowski and Catellier, Chouk. The argument relies entirely on deterministic PDE arguments (such as embeddings of Besov spaces and interpolation), which are combined to derive energy inequalities.
Fingerprint Dive into the research topics of 'The Dynamic Φ43 Model Comes Down from Infinity'. Together they form a unique fingerprint.
Dynamic Model Mathematics
infinity Physics & Astronomy
Infinity Mathematics
Energy Inequality Mathematics
Finite Time Blow-up Mathematics
A Priori Bounds Mathematics
Field Theory Mathematics
Besov Spaces Mathematics
Hendrik Weber
H.Weber@bath.ac.uk
Department of Mathematical Sciences - Professor of Probability
Probability Laboratory at Bath
Mourrat, J. C., & Weber, H. (2017). The Dynamic Φ43 Model Comes Down from Infinity. Communications in Mathematical Physics, 356(3), 673-753. https://doi.org/10.1007/s00220-017-2997-4
The Dynamic Φ43 Model Comes Down from Infinity. / Mourrat, Jean Christophe; Weber, Hendrik.
In: Communications in Mathematical Physics, Vol. 356, No. 3, 01.12.2017, p. 673-753.
Mourrat, JC & Weber, H 2017, 'The Dynamic Φ43 Model Comes Down from Infinity', Communications in Mathematical Physics, vol. 356, no. 3, pp. 673-753. https://doi.org/10.1007/s00220-017-2997-4
Mourrat JC, Weber H. The Dynamic Φ43 Model Comes Down from Infinity. Communications in Mathematical Physics. 2017 Dec 1;356(3):673-753. https://doi.org/10.1007/s00220-017-2997-4
Mourrat, Jean Christophe ; Weber, Hendrik. / The Dynamic Φ43 Model Comes Down from Infinity. In: Communications in Mathematical Physics. 2017 ; Vol. 356, No. 3. pp. 673-753.
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title = "The Dynamic Φ43 Model Comes Down from Infinity",
abstract = "We prove an a priori bound for the dynamic Φ34 model on the torus which is independent of the initial condition. In particular, this bound rules out the possibility of finite time blow-up of the solution. It also gives a uniform control over solutions at large times, and thus allows one to construct invariant measures via the Krylov–Bogoliubov method. It thereby provides a new dynamic construction of the Euclidean Φ34 field theory on finite volume. Our method is based on the local-in-time solution theory developed recently by Gubinelli, Imkeller, Perkowski and Catellier, Chouk. The argument relies entirely on deterministic PDE arguments (such as embeddings of Besov spaces and interpolation), which are combined to derive energy inequalities.",
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T1 - The Dynamic Φ43 Model Comes Down from Infinity
AU - Mourrat, Jean Christophe
AU - Weber, Hendrik
N2 - We prove an a priori bound for the dynamic Φ34 model on the torus which is independent of the initial condition. In particular, this bound rules out the possibility of finite time blow-up of the solution. It also gives a uniform control over solutions at large times, and thus allows one to construct invariant measures via the Krylov–Bogoliubov method. It thereby provides a new dynamic construction of the Euclidean Φ34 field theory on finite volume. Our method is based on the local-in-time solution theory developed recently by Gubinelli, Imkeller, Perkowski and Catellier, Chouk. The argument relies entirely on deterministic PDE arguments (such as embeddings of Besov spaces and interpolation), which are combined to derive energy inequalities.
AB - We prove an a priori bound for the dynamic Φ34 model on the torus which is independent of the initial condition. In particular, this bound rules out the possibility of finite time blow-up of the solution. It also gives a uniform control over solutions at large times, and thus allows one to construct invariant measures via the Krylov–Bogoliubov method. It thereby provides a new dynamic construction of the Euclidean Φ34 field theory on finite volume. Our method is based on the local-in-time solution theory developed recently by Gubinelli, Imkeller, Perkowski and Catellier, Chouk. The argument relies entirely on deterministic PDE arguments (such as embeddings of Besov spaces and interpolation), which are combined to derive energy inequalities.


If you are in a season of waiting, know that He has something beautiful in store for you just below the surface.
What if God was calling you to do more than just wait for Him to transform your life?
There is an important difference between hoping in what God can do for us - and hoping in God Himself.
We often believe the lie that worry will decrease the chances of the worst case scenario coming to fruition.
Have you ever been hounding after God, only to have him turn to you and ask you to wait? I have. I'm waiting right now.
When was the last time you were waiting on God but weren't getting an answer?
There is a huge difference between living a life of expectancy and one of entitlement.
Do you trust God to carry the future?
For those in a season of waiting, here's encouragement to seek God and trust His bigger plan.
Whenever you have to wait for something, there's an opportunity to learn something about God and patience.