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$600 TRILLION IN SWAPS: WHO OWNS THE DEBT?
Posted on April 27, 2011 by Neil Garfield
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EDITOR'S ANALYSIS: Here is the problem: $600 TRILLION in swaps seems like a big number. It is. And it is only an estimate, so we can assume there is some variance. How big is it? Well the combined currency issued across the world by all governments is $50 TRILLION. So it doesn't take a rocket scientist to know that there is 12 times the amount of the world's currency sitting out there masquerading as securities based upon paper whose value is derived from some debt which is to be paid, you guessed it, in currency.
A lot of the swaps might cancel each other out but we are still stuck with the fact that the securities affecting ownership, guarantee and payment of debt due from borrowers have virtually nothing to back them up — even if you used literally all the money in the world there would only be 8% coverage. And we know that a lot of these swaps have been exercised and triggered in the mortgage market — and that was what triggered the United States printing another few TRILLION dollars so the financial firms playing with these weapons of mass destruction could get paid 100 cents on the dollar instead of, at most, 8 cents.
Now if the 100% payment of the debt was triggered by the swap contracts and the swap contracts are 12 times all the currency in the world, it stands to reason that these synthetic derivatives represent the sale of the same debt 12 times over. One would think that once was enough, but not on Wall Street. One would also think that a third party paying off the debt would have some legal or equitable right to go after the original borrower on the debt, which is what the banks are saying in the foreclosures. BUT the swap contracts all have a provision that specifically waives any rights to the debt — which means they are paying to someone who will still own the debt. They are paid in full, perhaps 12 times over, but they still have the debt, or do they?
The originating parties to the swaps were NOT the investors who bought mortgage backed securities or mortgage bonds. That would make too much sense. No, the originating parties on the swap contracts were the brokers who sold the mortgage bonds — and sometimes sold the same load of toxic waste several items over by the use of swap contracts. In fact, that was the way they could be sure the pool would fail — by loading even the highest tier of the special purpose vehicle (trust) with swap contracts on the lowest tier (tranche). Being sure of something gives you an advantage to say the least. Making a "bet" on the failure of the pool, as a whole is like betting the sun will come up in the morning — if it doesn't, who cares about anything?
So you have these bonds, derivatives on bonds, and bets on derivatives on bonds circulating in a swirl of hand written notes (literally) so nobody can keep track of them, which is LEGAL because Congress made it legal when it declared these instruments to neither securities nor insurance contracts in 1998. But back on earth where most of us live, we have some problems that just won't go away. Besides the obvious fact that the vapor created by these financial firms is more than anything the world can sustain, it isn't possible to know who actually "owns" the debt or whether some agency relationship arises as a result of the swap contracts or derivatives.
Wall Street's answer to this problem is to go to court masquerading some entity as a pretender lender and portraying the situation as an ordinary loan transaction where the creditor is present. This in turn creates the presumption that the borrower must now satisfy the burden of proving that the debt was paid. In fact, it is the initial presumption that is incorrect and the clever way it is presented to Judges has led them to believe that the creditor exists because the debt MUST exist, when in fact it has most probably been extinguished several times over. By thus shifting the burden of proof to the borrower, who knows he borrowed money and knows he didn't make the payment, EVERYONE assumes that the borrower is in trouble. Lawyers representing the borrowers on any loan that was securitized do their clients a disservice when they make that mistake.
Now Judges in trial and appellate courts and even courts of limited jurisdiction are beginning to see the light. By applying the simple principle embodied in the alignment of parties, the party seeking affirmative relief is the pretender lender, not the borrower. By applying the rules of civil procedure, the pretender lender must make allegations that have hit a brick wall: that it is the lender or the successor to the lender. The simple factual problem faced by the pretender lender is that they never made the loan from their own funds nor did they ever buy the loan with their own funds. Their attempt at fabrication of documents to show loans transfers has also blown up i their face and many lawyers can expect to be disciplined, sued civilly and even criminally for their participation in this scheme. PLAUSIBLE DENIABILITY IS DISSOLVING.
By applying the simplest and most basic of rules and laws, for the last 10 years or more, there has not been any actual creditor thus far, seeking to enforce any debt that was securitized, which in the case of consumer debt, is basically all of it. Consumers, homeowners, and their lawyers didn't create this problem. Wall Street did. And the idea that in court they can shift the burden of paying for the mess or otherwise cleaning it up is preposterous. And the days of MAKING the consumers pay for it is equally preposterous because they have no more money or credit. Thus Wall Street has painted themselves into the proverbial corner and as this continues to unravel, the consequences of leveraging 40 times on an "asset" (that was overvalued to begin with, and never transferred into new ownership) are that the eventual collapse of empires on Wall Street is inevitable. The only question is when?
Derivatives Firms Face New Capital Rules
By BEN PROTESS
Financial regulators proposed new rules on Wednesday that would require large derivatives trading firms to bolster their capital cushions, the latest attempt to reduce risk in the $600 trillion swaps market.
The rules, proposed by the Commodity Futures Trading Commission, are largely aimed at swaps dealers — brokerage firms, big energy trading shops and Wall Street bank subsidiaries that arrange derivatives deals. The plan also would apply to so-called major swaps participants, companies that are either highly leveraged or have huge positions in swaps contracts.
The agency's commissioners voted 4 to 1 in favor of advancing the proposal to a 60-day public comment period, after which they must vote on a final version of the rules. Scott D. O'Malia, one of the agency's two Republican commissioners, voted against the proposal.
The proposed rules are a result of the Dodd-Frank Act, the financial regulatory law enacted last year. The law mandated an overhaul of swaps trading, an unregulated industry that was at the center of the financial crisis.
The commission has already proposed rules that would require many swaps — a type of derivative contract that can be tied to the value of commodities, interest rates or mortgage securities — to be traded on regulated exchanges.
But for months, the commission had declined to say which types of swaps would face the new rules. On Wednesday, after months of deliberation, the commission said its swaps definition would include foreign currency options and foreign exchange swaps and forwards.
The commissioners voted 4 to 1 to propose the definition, which would exempt insurance products and consumer transactions like contracts to purchase home heating oil.
The commission's separate proposal to build capital cushions in the derivatives industry could help prevent a repeat of the 2008 financial collapse, regulators say.
In the lead-up to the financial crisis, investors bought billions of dollars worth of credit default swaps as insurance policies on risky mortgage-backed securities. When the underlying mortgages soured, American International Group and other companies that sold the swaps lacked the capital to honor their agreements.
Under the commission's new plan, those firms would have to put aside enough cash to cover unforeseen calamities. Regulators, until recently, had little authority to set any rules for the swaps market.
"Capital rules help protect commercial end-users and other market participants by requiring that dealers have sufficient capital to stand behind their obligations," Gary Gensler, the commission chairman, said in a statement.
Still, there is no guarantee that enhanced capital levels will avert future disasters. And there is no magic capital number that regulators see as a cure-all; different firms will face different requirements.
Swaps dealers and major trading firms that are already registered with the commission as futures brokers would have to hold at least $20 million of adjusted net capital, on top of existing requirements.
Other firms that are subsidiaries of big banks would have to meet the same capital standards as the parent company, while storing away at least $20 million of Tier 1 capital.
Yet another set of firms would have to keep tangible net equity equal to $20 million, in addition to putting aside funds to cover market and credit risk.
The commission's proposal covers more than 200 firms expected to register as swaps dealers and major swaps participants.
The commission also voted to reopen or extend the public comment period 30 days on its earlier rule proposals. The agency plans to finalize most Dodd-Frank rules by the fall.
Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bailout, bankruptcy, borrower, disclosure, foreclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, mortgage meltdown, Ny Times, rescission, securitization, TILA audit, trustee |
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Abby in CA, on April 28, 2011 at 4:59 pm said:
I KNOW THIS HAS A LESSON IN IT FOR US ALL.
IT IS 'DAVID V GOLIATH'…..WATCH THIS LITTLE GUY NOT BACK DOWN EVER!!
http://www.pawnation.com/2011/04/26/duckling-scares-dog/
John Anderson, on April 28, 2011 at 4:26 pm said:
It will all come crashing down, and things will be better then.
Best to bankrupt the US Government, abolish the Federal Reserve, adopt some cool rules on banking and insurance. And start again.
The states are in far better shape than the Federal Government, as they are unable to manufacture currency out of thin air.
We could balance the budget, by selling off part of the 72% of the land mass of this country owned by the federal government,that includes a lot of desireable lakefront and oceanfront properties, that could be sold to US citizens on 10 or 20 year mortgages, that would spur construction of vacation homes and residencies.
We can and should impose tariffs on goods from any country when our imbalance exceeds 60/40%
Our currant system is going to fail. How we respond to it, is whats important.
ANONYMOUS, on April 28, 2011 at 4:17 pm said:
Not the PSAs that were not executed — it was the Mortgage Loan Purchase/Repurchase Agreements that were not legally executed. These "agreements" supposedly were the documents that sold loans from originator to Depositor. This was necessary step in the chain. Not done. Could not go to any trust without valid sale to Depositor first.
carie, on April 28, 2011 at 12:31 pm said:
Thanks, I guess I'll just (reluctantly), put a check in the mail to the debt collector…one more month… Somehow feels like throwing money away, though…
I check realtytrac every day, and so far only lists my house as "pre-foreclosure"…NOD was filed, but no sale date because of loan mod negotiations ongoing…BUT, I don't trust ANYONE with regards to all this, so I even went down to my recorders office to check out what was there…Looked okay—no assignments—the latest was a NOD with various "Trustees" listed (with MERS as the "go between"), NONE of which is listed on my Deed of Trust…my servicer said Deutsche Bank is the actual creditor…yeah, right!
leapfrog, on April 28, 2011 at 12:12 pm said:
Carrie: Maybe you should play the mod game and see what happens with it. I played it IN GOOD FAITH. I had no idea about pretender-lenders, MERS or anything else. All I wanted was a completed mod. However, they bankster strung me along & had no intention of giving me a mod. That's just one more cause of action against them now. It is important that you pay attention to the foreclosure "clock" here in CA and plan your strategy accordingly. If you intend to file BK, you probably want to do it before the NOD. However, there are other strategies where that might be too soon. Everyone's situation is unique. Do what is best for you. I would interview more than one attorney, as I stated in my other post. I don't know what yours means by "there is no precedent" and no way to fight anything until there is. Doesn't make sense to me. Sounds like maybe he doesn't understand adversary proceedings and challenging a pretender-lender claim.
carie, on April 28, 2011 at 11:05 am said:
THANK YOU ANONYMOUS AND LEAPFROG!!
Our income is minuscule at this point, so I'm sure we qualify for C 7.
My kids grew up in this house, and for a million reasons, we don't want to leave.
I fought like HELL to get a "loan mod", and am now in a "trial payment plan"—just a way for them to see how much they can squeeze out of us…
IndyMac is a debt collector, so I'm paying a debt collector on an essentially "phantom loan" that has been paid off—which is what I'm gathering from this site…
So, my question now is, do I keep paying a debt collector, or do I let them try to foreclose and fight it in court, or do I file for BK right now—which I had been putting off anyway—, and see what I can do with that?
I talked to an attorney last week, and he said he can't do anything for me until there is some "precedent making" decision in the California courts regarding this mess.
So, I'm in a weird limbo, wondering if I should put my second "trial payment" in the mail today…to a debt collector.
leapfrog, on April 28, 2011 at 9:22 am said:
@ Carrie: Please do NOT file BK on your own. There are way too many traps/complications for the unwary and inexperienced. BK court is also somewhat of a crony club & they discriminate against the pro se. Hate to say it, but its true. You get ONE SHOT at keeping your home and ONE SHOT at getting a successful BK, in most cases, make it count and don't blow it. When you look for an attorney find one who is comfortable filing adversary proceedings, because this will probably be the way to go. Each situation is unique, but whatever you do, do not go through a bankruptcy "mill," which is basically a low-quality assembly-line one-size-fits-all IF (big if) your goal is to save your home. Read every article Max Gardner has ever written and educate yourself on various strategies within BK. Interview several attorneys before making your selection. We interviewed 5. Three of them said a CH7 could not be done, that our income was too high. That was a warning sign that these people did not know what they were doing. The trustee did challenge our CH7, but in the end found it to be acceptable. Our lawyer had the skill and knowledge to vet all of this out ahead of time with a retired trustee that he employees, who runs the figures and situations and makes a determination of the outcome. While its not 100% accurate all of the time, at least you know what you are up against and the likely outcome. Our attorney is also enjoys being in the courtroom/trial and I consider that a good sign in an AP situation. He consults with other attorneys who perform the work that would tie him up and not let him go to trial, but I think that's a great thing. They like doing what they do and he likes doing what he does – so I get the benefit of several experts contributing/weighing in on my case. Its not cheap to do an AP against the pretender-lender and it seems like the delays are agonizing, but we will get there eventually. While we don't like paying month-after-month with no result, time is actually on our side as more and more fraud by the pretender-lenders is exposed. We figure we'd be paying rent anyway somewhere, meanwhile we live here and duke it out.
BSE, on April 28, 2011 at 6:43 am said:
What if the PSA was not signed nor executed ? and What if they use substitute trustee to foreclose ?
Why and How do they get away with this?
Please comment
ANONYMOUS, on April 28, 2011 at 6:28 am said:
Most often Deutsche Bank is the trustee — not the servicer. In cases where the trust is named as plaintiff — ABC trustee for "certificate holders" to XYZ trust — they are the named plaintiff — not the servicer. But, it is actually the servicer that is proceeding against you. If goes to trial — the servicer will have difficulty getting a witness for the trustee because — as Ian states — . "the Trusts in many cases have absolutely no idea that a foreclosure is being brought in their names."
If foreclosure plaintiff is the Servicer, the Servicer is not (most often) the real party/creditor — they must state on whose behalf they are acting. They will then name the Trust/Trustee — who is also not the real party/creditor since security investors are also not the creditor. If you challenge chain, transfer, assignment etc., the Servicer as plaintiff cannot testify to anything but payment history. Would need witness or affidavit from Trustee regarding the chain and mortgage collection rights whereabouts – and all documents — this is how Robo-signing fraud became rampant.
Also, even if it can demonstrated by a Mortgage Schedule that loans was originally "earmarked" for transfer to a Trust, this does not mean loan stayed in the trust. And, default loans are removed from trust after servicer stops advancing payments. So- you would need the remittance ledger from Trustee – to show trustee is still receiving advance payments from Servicer.
Mortgage Schedule should also be accompanied by a Mortgage Loan Purchase Agreement (which is also a Repurchase Agreement). Have not seen any MLPA that was actually legally executed
— only says "intent" to sell.
In addition, the chain of assignments and endorsements must follow the PSA. By PSA it is the Depositor that purchases loans from originator – and it is only the Depositor that can cause assignment/endorsement to the trust. By the PSA there is no Power of Attorney to trustee or servicer to cause assignment. Thus, really need affidavit/witness from the Depositor to testify. Since mortgages cannot be passed onto security investors — assignment/sale of mortgage stops with the Depositor — it is a Depositor owned trust.
At this time, for the subprime trusts only , payments for current borrowers are not being transferred by servicer to trustee — neither would a payoff by refinance be transferred. And, if those in default suddenly won the lottery and could pay loan in full — neither would this payoff be directed to the trust/trustee.
Foreclosure proceeds are not going to the Trust/Trustee — or servicer to the trust. None of these parties can be plaintiff in foreclosure actions – and cannot be stated current creditor in BK.
neidermeyer, on April 28, 2011 at 3:43 am said:
Carie ,
Just follow the link at the top of this page to http://www.luminaq.com/ ,, Neil runs it and it is very competitively priced..
DyingTruth, on April 27, 2011 at 8:50 pm said:
"What has been the effect of Bell Atlantic Corp. v. Twombly, 550 U.S. 544 (2007) and Ashcroft v. Iqbal, 129 S. Ct. 1937 (2009), on motions to dismiss for failure to state a claim upon which relief can be granted under Federal Rule of Civil Procedure 12(b)(6)?
Last month, the Federal Judicial Center released its report, Motions to Dismiss for Failure to State a Claim After Iqbal, which concluded…well, it depends on your perspective. Adam blogged about it here, and Howard Wasserman blogged about it over at PrawfsBlawg, leading to a spirited back-and-forth in the comments section. The Executive Summary concluded that…
•Only in cases challenging mortgage loans on both federal and state law grounds did we find an increase in the rate of grants of motions to dismiss without leave to amend. Many of these cases were removed from state to federal court. This category of cases tripled in number during the relevant period in response to events in the housing market (see infrasection III.B.1). There is no reason to believe that the rate of dismissals without leave to amend would have been lower in 2006 had such cases existed then."
http://lawprofessors.typepad.com/civpro/2011/04/what-has-been-the-effect-ofbell-atlantic-corp-v-twombly-550-us-544-2007andashcroft-v-iqbal-129-s-ct-1937-2009-o.html
E. Tolle, on April 27, 2011 at 8:11 pm said:
Mary Cochrane, you wrote:
You can purchase which trust you are in from Luminaqe – LivingLies article Which Trust are you in $3,000
I don't proclaim to speak for Luminaq, but I'm familiar with their products and know that they don't charge but a fraction of what you state. If memory serves, a trust search is $195.00. But don't hold me to that.
Mary Cochrane, on April 27, 2011 at 7:20 pm said:
TRUSTEE will be a national bank association with defined responsibilites. During Foreclouse the Attorney for Plaintiff represents SERVICER but the TRUSTEE is there – long arm reach – no first-hand knowledge of anything.
carie, on April 27, 2011 at 6:56 pm
Please don't give up! Secure a Chain of Title audit! and a forensic audit. You can purchase which trust you are in from Luminaqe – LivingLies article Which Trust are you in $3,000
carie, on April 27, 2011 at 6:56 pm said:
So, I talked to my "IndyMac servicer" today:
"Who is my actual creditor?"
"Uh…Deutsche Bank"
"Oh, can I pay them?"
"No, no! You go through us, we're the servicer!"
"Oh, I thought you were a debt collector."
"Well, we are the servicer…"
"So, why isn't Deutsche Bank anywhere on my Deed of Trust, or the note? And where is my original promissory note?"
"Well, Deutsche Bank has your note, and MERS is authorized to be the beneficiary for Deutsche…"
I REALLY don't want to send in a second "trial plan payment" if I don't have to…I would love to file BK (which I was planning on doing anyway), and just make it all go away—is this possible to do on my own? Or is the idea still too new for the attorneys and judges?
Ian, on April 27, 2011 at 6:38 pm said:
ANONYMOUS- the Trusts in many cases have absolutely no idea that a foreclosure is being brought in their names. After all, a Trust is just a piece of paper sitting somewhere. It is not as if a Trust does anything. Just a figurehead to justify evasion of state and federal taxes under REIT and REMIC provisions, and that is only if in compliance with IRS rules regarding same. If the notes never made it into the trust in question, then all is illegal, but hard to glean that info, as loan level date has all but evaporated. But if we all keep digging, we will uncover the missing link.
neidermeyer,
Absolutely. But, trustee refuses to get involved — even though name is often in bold face on foreclosure complaints.
See responses by trustees to NJ Order to Show Cause. Trustees want nothing to do with anything — put all on servicers. Only problem is — servicers have no personal knowledge as to chain, assignments, endorsements, transfers, mortgage schedule, repurchase, removal/swap out of collection rights, etc. etc. Servivcers can only testify as to payment history — which is likely in error anyway.
So we need trustee testimony to the rest — including remittance ledgers. Just need judges to get this. NJ was very close to enforcement — which could have spilled over — but blew it.
JoHnys, on April 27, 2011 at 5:14 pm said:
Le us see, there is only printing or backing capacity for only 50 trillion, if this pyramid collapses, which, it will soon enough, who will pay then???
no one has access to these banksters Swiss accounts!
What happens to all those people whom have deeded their homes in deeds in lieu of foreclosures to entities that went bankrupt, that never put their money at risk, that the note, albeit, fraudulent was shown in court and the borrowers lawyer charged an arm and a leg for foreclosure defense that never happened.
I am so mad,
stopGOVTwaste, on April 27, 2011 at 5:06 pm said:
FL Retirement System: Missing a few hundred billion, perhaps a trillion or more in bank losses.
*but GS & JPM perform "outstanding."
http://tawebster.wordpress.com/2011/04/27/florida-retirement-system-frs/
neidermeyer, on April 27, 2011 at 4:48 pm said:
ANONYMOUS ,
The trustee *should* be expected to know who holds collection rights ,, do you know of any instance where this has been disclosed?
leapfrog, on April 27, 2011 at 4:20 pm said:
"All will come a crashing — just a matter of time."
I hope so, Anonymous, and I hope its SOON!!!
Quote — "No, the originating parties on the swap contracts were the brokers who sold the mortgage bonds."
Originating parties were the "investors" to the subordinate tranches — who were the only "investors" to fund the subprime loans – and simultaneously — "swap holders." .
Yes, some bets against — but it was the distressed debt buyers who "banked" on collection rights via swaps and/or direct sale to them. in fact, securities never change hands in swaps — instead – the "collection rights" are SWAPPED out of the trust — hence the word "SWAP." And, because the securities never change hands — the foreclosure/distressed debt buyer mills believe that they are able to fraudulently state in court — that the current creditor is still the Trust!
"Swapped Out" — that is what collection rights are about. Government is protector given huge amounts of distressed debt across the globe.
Victims — those who were targeted — are considered "dispensable" in relation to the "betterment of the economy in general" – and the agenda of the distressed debt industry . The government's "baby" is the distressed debt industry. Protects them as mother protects her child.
We have had enough of distressed debt buyer "investor" fraud.
Virginia, on April 27, 2011 at 3:09 pm said:
What is really sad is Geithner, Paulson, Bair and Bernake had to know this was going on. And if they didn't – then they weren't doing their job… so what did we pay them for?! Isn't there a fiduciary duty to the public that pays their salaries to protect us?
For starters Geithner Must Go! To order Bumper stickers:
http://www.makestickers.com/customize.aspx?TID=6832&DN=110318045400&cid=jlu1lngmydb33ro3a0djxtwa&FP=True
$600 TRILLION IN SWAPS: WHO OWNS THE DEBT? | Foreclosure News Online, on April 27, 2011 at 2:59 pm said:
[…] Source: Livinglies's Weblog […]
Allan Hennessey, Tacoma, WA, on April 27, 2011 at 2:31 pm said:
Well Summarized Neil!
Your continuum is well appreciated amongst those of us that continue your work, carrying it forth in the courtrooms of America. In the last 3 years we have all learned so much. It all started here on this site!
On behalf of at least 60 million homeowners… THANK YOU!
/S/ Authorized Representative
ALLAN HENNESSEY
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> Australian Capital Territory > Canberra > Child Services > General Child Services > The Shepherd Centre For Deaf Children
General Child Services
The Shepherd Centre Canberra
THE SHEPHERD CENTRE - FOR DEAF CHILDREN
The Shepherd Centre Canberra, Nealie Pl, Rivett ACT 2611
Mon 8:30 AM to 5:00 PM
Tue 8:30 AM to 5:00 PM
Wed 8:30 AM to 5:00 PM
Thu 8:30 AM to 5:00 PM
Fri 8:30 AM to 5:00 PM
Since 1970, The Shepherd Centre has assisted close to 2,000 children who are deaf or hearing impaired, to improve their quality of life. The organisation is recognised as a world leader in the field of early intervention Auditory-Verbal Therapy, providing families with assistance to develop their child's spoken language, so they can reach their full potential and be a fully contributing member of the community.
Registered under NDIS to deliver services -
Work with children with all degrees and types of hearing loss, who use hearing aids or cochlear implants (or other devices). Also have a cochlear implant program where we can evaluate whether someone is suitable for a cochlear implant, support them through surgery and through into therapy to ensure they can use the device well. Able to support clients from birth, right through school.
Service include individual therapy sessions, small group targeted therapy sessions, playroup, parent and family workshops, residential workshops and other external training opportunities for schools and community groups.
The Shepherd Centre For Deaf Children is located in the suburbs of Rivett and Weston Creek, the council of Canberra and the federal electorate of Canberra.
Contact The Shepherd Centre Canberra
Noah's Ark - Rivett
TADACT
Noah's Ark - Canberra
Noah's Ark Shepherd Centre Playschool Program
Disabled access Wheelchair access
Age Ranges Under 18 years of age
Volunteers welcome
Children, Cochlear Implant, Early Childhood, Early Intervention, Hearing Aids, Hearing impairment, NDIS Assistive Technology, NDIS Improved Daily Living Skills, NDIS Improved Health and Wellbeing, NDIS Plan Self-Management, NDIS Provider - Registered, Not-For-Profit Organisations, Parenting Skills
The following services are also provided by The Shepherd Centre For Deaf Children in Canberra.
The Shepherd Centre Canberra also provides General Child Services in the following region(s):
Visit THE SHEPHERD CENTRE - FOR DEAF CHILDREN website
THE SHEPHERD CENTRE - FOR DEAF CHILDREN provides services from these locations:
Tweets by ShepherdCentre

redpajama_set_name: RedPajamaCommonCrawl


First place takes home $10,000!
You'll be walking on sunshine when you win your share of $40,000 in cash and prizes! Plus, hot seat winners will enjoy great summer gifts!
1st to 20th place awarded in cash or free play.


text:
Disk Jockey
Album Review of Drift by Nosaj Thing.
Home » Electronic » Drift
Release Date: Jun 9, 2009
Record label: Alpha Pup
Genre(s): Electronic
80 Music Critic Score
How the Music Critic Score works
Read text version >>
Buy Drift from Amazon
Drift - Very Good, Based on 4 Critics
AllMusic - 80
Based on rating 8/10
California has long been a prime breeding ground for instrumental hip-hop, from DJ Shadow's pioneering work in the form through Madlib's tireless explorations and iterations, and that's never been more true than in the late 2000s, as a cresting wave of interest in the work of the late J Dilla helped to spark something of a stylistic resurgence, while a handful of Los Angeles-based producers coalesced into a recognizable local scene centered around the venue Low End Theory. That scene's first prominent breakout star was Steve Ellison, aka Flying Lotus, who earned widespread notice with his 2008 Warp debut Los Angeles, but 24-year-old Jason Chung (Nosaj Thing) followed shortly thereafter, dropping his aptly named LP, Drift, the subsequent spring. As with FlyLo's work, Nosaj pushes well beyond the customary bounds of hip-hop into glitchy IDM, ambient, and even dubstep territory, foregrounding highly abstract electronic textures more reminiscent of artists like Prefuse 73, Aphex Twin, and Burial than the beatmakers referenced above, with hip-hop's rhythmic drive never entirely absent but often reduced to a spare, skeletal framework.
Full Review >>
PopMatters - 80
LA is to hip-hop producers what Portland is to indie bands. Hence, newcomer Nosaj Thing had to fight through a lot of legitimate competition to win his contract at the consistently stellar Alpha Pup. When you hear his debut album Drift, you will know he earned it. This will not be the last you see his name attached to a heaping spoonful of praise.
Pitchfork - 79
Based on rating 7.9/10
Nosaj Thing is Jason Chung, a 24-year-old producer from California with loose ties to Flying Lotus and the L.A. glitch-hop scene. His gorgeously haunted debut Drift makes it clear that while he shares a lot with Flying Lotus-- a base of operations, like-minded compatriots, a deep love of hip-hop and a thousand strains of electronic music-- they're pretty far apart in terms of approach.
Delusions of Adequacy
Their review was positive
Straight out of the too-cool-for-school spawning grounds of the burgeoning Los Angeles electronic scene, Nosaj Thing is the latest producer to make a claim to fame in the new "lazer bass" movement. Aptly named for its fusion of swollen hip hop rhythms and glitchy electronic embellishment, this new genre has produced several indie heavy-hitters, such as Flying Lotus and Lazer Sword. Nosaj Thing is the brainchild project of 22-year-old Jason Chung, a longtime Los Angeles producer who first became famous from his DJ sets at the nightclub Low End Theory and his remixes of HEALTH and Flying Lotus.
'Drift'
is available now
More Electronic Reviews:
Click here for more Music Critic reviews of Electronic Albums.
Discover More Music:
If you like Electronic you might also be interested in Album Reviews in the Music Critic's Avant-Garde categories.
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text:
package net.qldarch.jaxrs;

import java.lang.annotation.ElementType;
import java.lang.annotation.Repeatable;
import java.lang.annotation.Retention;
import java.lang.annotation.RetentionPolicy;
import java.lang.annotation.Target;

@Target(ElementType.METHOD)
@Retention(RetentionPolicy.RUNTIME)
// Repeating Annotations are explained here:
// https://docs.oracle.com/javase/tutorial/java/annotations/repeating.html
@Repeatable(ResponseHeaders.class)
public @interface ResponseHeader {
  String value();
}

redpajama_set_name: RedPajamaGithub


text:
La bataille du Tessin est une bataille de la deuxième guerre punique. La bataille s'est probablement déroulée en novembre 218

Récit
Après le difficile passage des Alpes par Hannibal avec ses éléphants et son armée il décide de prendre la capitale des Taurins, Taurinia, actuelle Turin. Publius Cornelius Scipio décide de franchir le Pô, puis le Tessin et de se porter à la rencontre d'Hannibal. Les deux généraux établissent deux camps assez proches. Publius Cornelius Scipio, sorti en reconnaissance avec sa cavalerie et ses jaculatores (lanceurs de javelot), tombe sur le général carthaginois également en exploration avec sa cavalerie, et une escarmouche éclate.

Surpris, les jaculatores se replient à l'abri de leur cavalerie. Hannibal fait encercler les Romains par ses ailes constituées de cavaliers numides. En achevant leur manœuvre ces derniers écrasent les jaculatores. La cavalerie romaine, se voyant cernée, commence à fuir par petits groupes. De justesse, Publius Cornelius Scipio blessé parvient à s'échapper. Tite-Live aime à croire qu'il fut sauvé par son propre fils âgé de 17 ans, nommé lui aussi Publius (le futur Scipion l'Africain et futur vainqueur de la bataille de Zama).

Les conséquences
Une des conséquences de la défaite romaine à la bataille du Tessin est la défection des tribus gauloises du nord de l'Italie (notamment des Insubres). En effet, la plupart des Gaulois présents dans l'armée romaine l'avaient rejointe par la force. Pendant cette bataille, la fortune étant du côté carthaginois, ils complotèrent, et, une nuit, massacrèrent des Romains endormis dans leur camp. Ces Gaulois allèrent ensuite trouver Hannibal au nombre de  et . Hannibal décida de renvoyer les Gaulois auprès de leurs peuples respectifs, pour qu'ils essayent de les convaincre d'entrer en guerre contre Rome

Les défections se faisant chaque jour plus nombreuses parmi les auxiliaires gaulois, Publius Cornelius Scipio préfère repasser le Pô et se replier sur la Trébie. Hannibal installe son camp à une dizaine de kilomètres de Plaisance.

Malgré sa victoire, Hannibal affronte un problème qui va durer pendant presque tout son séjour en Italie : des difficultés de ravitaillement.

Notes et références

Articles connexes
 Bataille de la Trébie (218 av. J.-C.)
 Deuxième guerre punique
 Hannibal
 Publius Cornelius Scipio

Bataille d'Hannibal
Bataille de 218 av. J.-C.
Histoire militaire de Carthage

redpajama_set_name: RedPajamaWikipedia


text:
Bank Information Technology
Service Operations
Bank Optimization
Bank Sales & Channel Effectiveness
Strategy Assessment
Strategy Product Planning
Business Case – Strategic Direction / Opportunity
Business Case – Evaluation
Business Case In-House versus Software as a Service (Outsourced)
Product Assessment
Retail Assessment
Technology Strategic Planning
IT Performance Improvement
IT Project Effectiveness
Core Vendor Evaluation
Core Contract Negotiation
Core Conversion
IT/Technology Governance
IT M&A
Virtual CIO Assistance
Banker In The Know™
Facebook Announces Cryptocurrency Libra and Ambitions to Get into Lending
By Philip RyanJune 18, 2019Banker in the Know, CCG Catalyst, In The News
An early look at the Libra experience, courtesy of Facebook
Facebook today unveiled its long-awaited cryptocurrency, named Libra, and announced its network of partners. The list includes important names from the payments space, such as Visa, Mastercard, PayPal, and Stripe; the rideshare companies Uber and Lyft; several important venture capital groups, including Andreessen Horowitz, Union Square Ventures, Thrive Capital and Ribbit Capital; and the cryptocurrency exchange Coinbase – but no banks.
The cryptocurrency, which is a so-called stablecoin pegged to a pool of global currencies, will be run by Facebook's newly announced subsidiary, Calibra, and will launch in 2020, according to a post from Facebook. The goal of Calibra is to "provide financial services that will let people access and participate in the Libra network," according to the post. Calibra's first product will be a digital wallet, available as a standalone app, as well is in Messenger and WhatsApp.
Future use cases could include lending and investing, according to Facebook.
This is not Facebook's first time at the payments rodeo — several years ago the social network launched Credits for payments in Facebook games, and Mark Zuckerberg has been quoted as saying sending money should be as simple as sending photos.
Libra will bring financial inclusion to the may people around the globe who lack such access, Facebook noted: "The cost of that exclusion is high — approximately 70% of small businesses in developing countries lack access to credit and $25 billion is lost by migrants every year through remittance fees."
Facebook has been working on Libra for more than a year, and the world, particularly the cryptocurrency world, have speculated widely on what the social network planned. Now we know. "It feels like it is time for a better system," David Marcus, head of Facebook's blockchain technology research, said in an interview with the New York Times. "This is something that could be a profound change for the entire world."
The Libra blockchain will be closed at first, managed by the founding partners, and gradually open up as the service gains traction (and achieves world domination?) Facebook does not own Lbra, but instead has one vote vote as a founding member of the consortium administering Libra, along with Visa, Uber, and the other founding members, all of whom contributed money to the effort.
Facebook emphasized privacy and trust in its announcement, two words that few today associate with the company except in the negative. There will be a wall between targeted advertising and your Libra activity, the company says, but can social information be leveraged (with permission) to enable lending in countries with no established credit reporting? This has been done by companies such as Lenddo that have vastly less data than Facebook. The past twelve months, while Libra has been in development, have been an ongoing public relations disaster for Facebook, yet the service has continued to grow in users and revenue.
Now Zuckerberg and co. claim they can help U.S. businesses reach developing markets, and serve the consumers in those markets as well. Facebook surely reached out to JPMorgan Chase, Bank of America, Wells Fargo, and other banks, but Facebook and cryptocurrency may be the two things banks are least likely to want to put their brand alongside. With Facebook's ambitions now tilting perilously close to banking, that may soon change.
The Zodiac symbol Libra is represented by the scales of justice. Here's Libra's horoscope for June 18, 2019 from Astrology.com: "The people around you are going to be full of energy today—and just this once, you might be lagging a bit behind the crowd. To catch up, grab onto someone's coattails (with her or his permission, of course) and pull yourself along until you can muster up the energy to maintain your momentum on your own. Everyone is in this together, and they want you with them—so no one is going to mind if you need help catching up right now."
bitcoinblockchaincryptocurrencyFacebookLenddopayments
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Leading Fintech & Financial Services Expert Scarlett Sieber Joins CCG Catalyst Consulting Group July 16, 2019
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Consolidation Continues Among Legacy Tech Vendors July 2, 2019
Amazon Reboots Its Lending Efforts June 26, 2019
Facebook Announces Cryptocurrency Libra and Ambitions to Get into Lending June 18, 2019
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1. Eligibility: Giveaway (the "Giveaway") is open only to those who sign up at the online Giveaway page and who are age 18 and older, as of the date of entry. The Giveaway is only open to legal residents of United States and is void where prohibited by law. Employees of CCG Catalyst Consulting Group (the "Sponsor") their respective affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the Giveaway. The Giveaway is subject to all applicable federal, state and local laws and regulations. Void where prohibited.
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It's a good thing my 2015 goals are all about being healthy and not at all about being modest because I'm so crazy proud of this recipe.
Holy macaroni this pasta is amazing! I mean, how many calories would you pay for a giant plate of creamy, cheesy, homemade macaroni and cheese right now? The usual 600-800? How about 322 calories, baby? Booya!
Not only is this decadent mac and cheese low calorie and low fat, it's packed with hidden veggies. Cauliflower does double duty by bulking up the pasta (just like in my favorite baked ziti) and adding extra veggie-based creaminess to the sauce. That can be our secret, though. You'd never suspect it under the decadent, cheesy sauce.
Just a heads up that it will seem like a lot of sauce when you first add the pasta but things will thicken up while baking. If you want to skip the baking part and enjoy this straight from the stove top (I won't blame you – I enjoyed more than a few bites straight from the stove), just add an extra 2oz of pasta.
That resolution is going to be so easy to keep this year.
Bring a large pot of salted water to a boil, add cauliflower, and boil until tender, about 8 minutes. Drain and set aside.
Heat olive oil in a large pot over medium heat. Add flour and cook, stirring, 2-3 minutes.
Stir in broth and milk, whisking to incorporate. Bring to a boil and continue whisking until mixture is thick. Stir in nutmeg, cayenne, salt, pepper, and cheeses, reserving a large pinch of Parmesan for the top.
Add 1/2 the cooked cauliflower and puree with an immersion blender or very carefully in a blender. Adjust seasoning to taste.
Add macaroni and reserved cauliflower, breaking the cauliflower into small florets.
Pour the mixture into a casserole dish and sprinkle with breadcrumbs and reserved Parmesan.
Bake 20 minutes until the top is golden brown and the sauce is bubbling.
And allowed myself the pleasure of panko and Parmesan to top!
And I have to say this is the best mac n cheese recipe ever! Thank so much for sharing! I love the touch of cayenne and nutmeg to the recipe!
I'm so glad you loved this, too – you've totally made my day!
I have to try it with the almond milk – sounds very tasty.
Made this tonight.. OMG is what I have to say about this. Definitely fills the mac and cheese ooey gooey cheesy cravings SO GOOD.


Wilrae Inc. provides CV Axle Replacement services to Bridgeview, IL, Oak Lawn, IL, Burbank, IL, and other surrounding areas.
The Basics Behind CV Axle Replacement Services at Wilrae Inc.
Why Should You Have CV Axle Replacement Services Performed at Wilrae Inc.?
We proudly service the CV Axle Replacement needs of customers in Bridgeview, IL, Oak Lawn, IL, Burbank, IL, and surrounding areas.


text:
Q: How to embed WireGuard into a simple WebView android app? I'm trying to embed Wireguard to automatically establish a connection within a webview app to open webpages through WireGuard connection.
I'm a total newbie and I tried to look into some documents like this one but there are no instructions on how to achieve this .
I appreciate If some one set me on the right path on how  to do so.

redpajama_set_name: RedPajamaStackExchange


text:
/**
 * Created by Admin on 5/29/2015.
 */
'use strict';

angular.module('myApp.contact', ['ngRoute'])

    .config(['$routeProvider', function($routeProvider) {
        $routeProvider.when('/contact', {
            templateUrl: 'app/components/contact/contact.html'
         });
    }]);


text:
Q: React useState Error TypeError: Attempted to assign to readonly property I am bouncing into this error while trying to change the name property of a file that is stored in one of my states. I have seen other threads with this same issue but none of them quite relates to hooks or this particular scenario.
My function is quite simple:
  const handleNewTitle = async (id) => {
    try {
      const updatedTitles = await [...images].map((image) => {
        if (image.id === id) {
          image.name = editingText;
        }
        return image;
      });
      setImages(updatedTitles);
      setUploadImages(updatedTitles);
    } catch (err) {
      console.warn(err);
    }
  };

and this is my JSX
          {titleEditing === image.id ? (
            <>
              <input
                className="title-editing-input"
                type="text"
                onChange={(e) => setEditingText(e.target.value)}
                value={editingText}
                style={{
                  display: typeof image !== "string" ? "block" : "none",
                }}
              />
              <button
                style={{
                  display: typeof image !== "string" ? "block" : "none",
                }}
                onClick={(e) => {
                  e.preventDefault();
                  handleNewTitle(image.id);
                }}
              >
                Save New Title
              </button>
            </>
          ) : (
            <>
              <p imgName={i} className="watchface-p">
                {image.name}
              </p>
              <button
                style={{
                  display: typeof image !== "string" ? "block" : "none",
                }}
                onClick={(e) => {
                  e.preventDefault();
                  setTitleEditing(image.id);
                }}
              >
                Edit Title
              </button>
            </>
          )}

I am not using strict and but I am storing the state in a parent component. Has anyone bumped into this kind of scenario before?

A: I solved this issue with the below approach, hope this will be able to help somebody in the future since there are a lot of threads with the related error message floating around.
As said above, the async approach is not necessary but it helped me keeping track of the error I was getting and debug process.
const handleNewTitle = async (id) => {
    try {
      setImages(
        images.map((image) => {
          if (image.id === id) {
            return { ...image, name: editingText };
          } else return image;
        })
      );
      setUploadImages(
        uploadImages.map((image) => {
          if (image.id === id) {
            return { ...image, name: editingText };
          } else return image;
        })
      );
    } catch (err) {
      console.warn(err);
    }
  };


See all the fun you've been missing outside after dark with patio and deck lighting.
The best lighting statements are made by whispering rather than shouting. Our professional outdoor lighting designers create solutions that beautifully illuminate and accentuate your outdoor living spaces, using subtle touches of energy-efficient light to accentuate features without overpowering the yard or detracting from your nighttime view. This greatly enhances eye appeal. It also extends the usable square footage of your home, opening up your deck, porch, patio or gazebo for nighttime entertaining. And with our fully programmable automatic lighting controls, the whole yard can switch on and off each evening. Owning the night was never easier.
Porch, patio and deck lights not only allow you to use your outdoor spaces late into the evening, but also increase the safety and security of your backyard.


text:
Carl Eduard Schuberth, född 25 februari 1811 i Magdeburg, död 22 juni 1863 i Zürich, var en tysk cellist.

Schuberth, som var elev till Friedrich Dotzauer, företog från 1833 framgångsrika konsertturer, även genom Sverige (1847), och var under 20 års tid anställd i Sankt Petersburg som musikdirektör vid universitetet, hovkapellmästare och musikinspektor vid hovteaterskolan. Han skrev bland annat två violoncellkonserter, en sonat, fantasier, variationer för cello med orkester, en oktett, tre kvintetter och fyra kvartetter för stråkinstrument. Han invaldes 1848 som ledamot av Kungliga Musikaliska akademien i Stockholm.

Källor

Tyska cellister
Tyska klassiska kompositörer
Ledamöter av Kungliga Musikaliska Akademien
Födda 1811
Avlidna 1863
Män
Ugglan


Click on the tab to download your Meditation for Food Cravings handout.
Click the player to listen to your teaching on Meditation for Food Cravings.
I will eat foods that bring me pleasure. I will eat without regret or judgement.
I live actively and eat real food.
The body I have is the one I'm meant to have…. And it's beautiful!
Junk food is for junk bodies. I treat my body like a temple.
What I choose to nourish my body is a clear indication of how much I love myself. I eat with self-respect.
When I come from a place of self-love and not from denial or punishment, all eating-related decisions become effortless and worthy of me.
I treat myself by making loving food choices.
Pick 3 of your favorite affirmations for cravings and share them with the facebook group.


Which one is your favourite?
Subscribe and like us on Facebook for regular updates on these blogs.
Do not act any of these out unless full permission has been given when it comes to the car and the property. A lot of these may cause damage to the car.


A limited number of Vampire Lord skulls are available. These were designed for the forthcoming feature film NIGHT CREATURE and are cast in high impact kiln-dried herculite and hand finished in weathered bone effect.
The vampire lord skulls are life-sized and highly detailed.


text:
Quercus oblongifolia är en bokväxtart som beskrevs av John Torrey. Quercus oblongifolia ingår i släktet ekar, och familjen bokväxter. Inga underarter finns listade.

Quercus oblongifolia kan vara utformad som buske eller som ett upp till 10 meter högt träd.

Arten förekommer i västra Texas, sydvästra New Mexico, sydöstra Arizona och i norra Mexiko från delstaten Coahuila västerut till halvön Baja California. Den växer i bergstrakter mellan 1300 och 1800 meter över havet. Quercus oblongifolia kan bilda trädgrupper där inga andra träd ingår eller den ingår i blandskogar. Den hittas vanligen glest fördelad i landskap med ett täcke av gräs eller bredvid arter av tallsläktet samt ensläktet.

Bladen äts bland annat av vitsvanshjort och svartsvanshjort.

Träet används som bränsle och ibland för möbler. Det är allmänt frasigt och har därför endast ett fåtal användningsområden. Artens ekollon är ätlig.

Äldre exemplar kan drabbas av svampen Inonotus andersonii. Andra hot mot beståndet saknas. IUCN listar arten som livskraftig (LC).

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Ekar
oblongifolia