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Proposed transfer of Zurich's workplace pension and savings business to Scottish Widows
3 July 2019 - Following the successful transfer of Zurich's workplace pension and savings business to Scottish Widows the trading suspension period has now ended. If you require assistance then please send your query to workplacesavings@scottishwidows.co.uk if you have a Scottish Widows plan (plan numbers that start with ZU), or to supportcentredc@uk.zurich.com if you have a Zurich plan (plan numbers that start with an 8). Alternatively you can call us on your usual number. All post sent to Scottish Widows Limited, PO Box 1315, Cheltenham, GL50 9DL or Zurich Corporate Savings, PO Box 1308, Cheltenham, GL50 9NY, this will now be redirected to: Scottish Widows Workplace Savings, PO Box 1297, The Grange, Bishops Cleeve, Cheltenham, GL50 9BJ.
25 June 2019 - The trading suspension period will begin on Tuesday 25 June 2019 and is expected to continue until 9am on Wednesday 3 July 2019. Please see below (Important note: limited service availability during the transfer) and frequently asked questions (What is happening? – Service availability during the transfer) for further information.
21 June 2019 – The Guernsey court approved the transfer on 21 June 2019 which will take effect on 1 July 2019.
20 June 2019 – The Jersey court approved the transfer on 20 June 2019 which will take effect on 1 July 2019.
13 June 2019 – The UK court approved the transfer on 12 June 2019 which will take effect on 1 July 2019.
11 June 2019 – The UK court hearing will be held on Wednesday 12 June, at 2pm UK time. The hearing will be held at 7 Rolls Buildings, Fetter Lane, London, EC4A 1NL. If you are planning to attend the hearing, please let us know by calling us on 0800 678 3515. (Phone lines are open from 8.00am to 6.30pm Monday to Friday and 9.30am to 12.30pm Saturday). You can also email us at the following address: transfer@uk.zurich.com.
07 June 2019 – The Independent Expert acting in the transfer has provided a Supplementary Note, further to his Supplementary Report. A copy is included in the relevant section of the document library below.
05 June 2019 – Supplementary actuarial reports and changes to the Scheme document have now been published. Copies are included in the relevant sections of the document library below.
15 February 2019 – Zurich Assurance Ltd (Zurich) and Scottish Widows Limited (Scottish Widows) were authorised by the court to communicate with planholders and other affected parties about the transfer.
To simplify our business, Zurich is in the process of transferring the majority of its workplace pensions and savings business to Scottish Widows. On 15 February 2019 Zurich and Scottish Widows were authorised by the court to communicate with planholders (including trustees of trust-based policies) and other affected parties about the transfer.
The transfer is subject to UK court approval, as required under the applicable financial services legislation. We explain the court process in more detail in both the planholder guide and frequently asked questions below. For local law reasons Zurich and Scottish Widows will also need to carry out separate court processes in Jersey and Guernsey.
If you have received a letter from us confirming your plan is to transfer then your plan is included in the proposed transfer. If you have received a letter from us confirming your plan will remain with us then your plan will not transfer to Scottish Widows. If the proposal is approved:
we will transfer in-scope plans to Scottish Widows on the effective date, which we expect to be 1 July 2019 (the effective date). Scottish Widows will then take over responsibility for administering such plans; and
there will be a period of limited service availability for transferring plans, before and after the effective date, in order to allow Zurich and Scottish Widows to make changes to the systems through which transferring plans are managed.
On this webpage you will find:
Copies of the letters and guides that we have mailed to customers (including trustees, where applicable) affected by the proposed transfer.
Common questions and answers in relation to the proposed transfer, both for those customers with transferring plans and Zurich's other customers (whose plans will not transfer).
More detailed information including copies of the legal documentation and copies of certain reports about the proposed transfer.
Any updates and notifications about the proposed transfer including the outcome of the High Court hearing.
If you would like a copy of any of the documents provided on this website please contact us on the telephone number below.
If you have any concerns about the proposed transfer and how it could affect you, please see the section below titled 'What should I do if I have any concerns or want to object?'
Alternatively, if you have any questions you can contact us by:
transfer@uk.zurich.com
Dedicated helpline:
0800 678 3515 (if calling from UK)
+44 1242 664016 (if calling from overseas)
Lines are open Monday to Friday 8am to 6.30pm (excluding bank holidays) and 9.30am to 12.30pm Saturday. We may record or monitor calls to improve our service.
Zurich Corporate Savings
GL50 9BY
Frequently asked questions transferring
Frequently asked questions non-transferring
Timeline of transfer
15 February 2019 – Zurich and Scottish Widows were authorised by the court to communicate with planholders and other affected parties about the transfer.
12 June 2019 – Any person intending to attend the court hearing give notice of such intention as soon as possible and preferably before 12 June 2019.
12 June 2019 – UK Court Hearing - The court hearing to approve the transfer is expected to take place at 10.30 a.m. at the Business and Property Courts of the High Court of Justice of England and Wales, 7 Rolls Buildings, Fetter Lane, London EC4A 1NL on 12 June 2019.
20 June 2019 – Jersey Court Hearing - The court hearing to approve the Jersey Transfer is expected to take place at 9.00 a.m. at the Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1JG on 20 June 2019; and
21 June 2019 – Guernsey Court Hearing - The court hearing to approve the Guernsey Transfer is expected to take place at 9.30 a.m. at the Royal Court of Guernsey, Royal Court House, St Peter Port, Guernsey GY1 2NZ on 21 June 2019.
25 June 2019 – 3 July 2019 – Trading Suspension Period - The trading suspension period will begin on Tuesday 25 June 2019 and is expected to continue until 9.00 a.m. on Wednesday 3 July 2019, after the effective date (the trading suspension period).
1 July 2019 – Effective Date - If the proposal is approved, we will transfer your pension plan to Scottish Widows on the effective date, which we expect to be 1 July 2019 (the effective date). Scottish Widows will then take over responsibility for administering your plan.
3 July 2019 – Trading suspension period expected to end at 9.00 a.m. on Wednesday 3 July 2019.
How does this affect transferring pensions and investments?
From the effective date, the funds in which transferring plans are invested will be provided by Scottish Widows rather than Zurich. As a result of moving to Scottish Widows, there will be no change to the nature or investment objectives of the funds in which such plans are invested, the funds range that is available to customers or the charges paid. The value of investments will not change as a result of the transfer. However, the names of some funds will change from the effective date. For example:
'Zurich Property ZP' to 'SW Property'
'Zurich BlackRock UK Corporate Bond AP' to 'SW BlackRock UK Corporate Bond'.
Some of these funds will invest in funds managed by Zurich. Scottish Widows has made arrangements with Zurich to allow you to continue to access these Zurich-managed funds.
Will there be any changes to my terms and conditions?
Following the transfer, the provider of transferring plans will become Scottish Widows Limited, rather than Zurich, and the terms and conditions of transferring plans will be amended to reflect this. In addition, in order to simplify the terms and conditions and to reflect the way Scottish Widows Limited will administer transferring plans after the transfer, we are proposing to amend the majority of terms and conditions to remove the separate roles of "payment agent", "platform operator" and "website provider".
Removing the role of payment agent: at the moment, payments in relation to plans are made to a "payment agent", who then passes the payments on to Zurich, rather than to Zurich directly. Since April 2018, this payment agent has been Scottish Widows Administration Services Limited. Following the transfer, payments will be made directly to Scottish Widows Limited. A separate payment agent will therefore no longer be required.
Removing the role of platform operator: at the moment, certain services in relation to plans (such as access to the online platform) are provided by Sterling ISA Managers Limited (another member of the Zurich Group). Following the transfer, Scottish Widows Limited will be directly responsible for providing all of these services.
Removing the role of website provider: at the moment, the website on which schemes operate is provided by Sterling ISA Managers Limited (another member of the Zurich Group). Following the transfer, Scottish Widows Limited will be directly responsible for making this website available.
In addition, if you are a trustee of a plan and hold a client service agreement with us, the terms of the transfer will also amend your client service agreement so that Scottish Widows is responsible for carrying out all obligations under that agreement, including those currently carried out by Sterling ISA Managers Limited as platform operator.
If you hold a transferring plan, the letter we sent you will specify the roles that are relevant to your plan, and you can obtain a table that sets out the amendments we are proposing to make to your terms and conditions by visiting the document library below.
Important note: limited service availability during the transfer
If the court approves the transfer we will need to make changes to the systems through which transferring plans are managed so that Scottish Widows can administer these plans following the transfer.
In order to ensure the implementation of the changes is carried out as smoothly as possible, Zurich and Scottish Widows need to temporarily suspend certain services relating to transferring plans. Our aim is to minimise disruption.
The trading suspension period will begin on Tuesday 25 June 2019 and is expected to continue until 9am on Wednesday 3 July 2019, after the effective date (the trading suspension period).
During the trading suspension period no transactions will be carried out in relation to transferring plans, such as investing contributions, switching funds or making a claim.
Any investment instructions or payments received during this time will not be processed by Scottish Widows until after the trading suspension period. This also applies to regular contributions (for example through employer's payroll processes or by Direct Debit) and the taking of fund related charges.
If you have a transferring plan and think you need to carry out any transactions during the trading suspension period, then these will be processed as soon as possible after the period ends. Please contact Zurich on your usual customer number (which you will find on previous letters we have sent to you) if you think you will need to carry out any transactions during the trading suspension period.
Please see frequently asked questions below for further information regarding the trading suspension period.
How are planholders interests protected?
The interests of all Zurich Assurance Ltd (ZAL) and Scottish Widows Limited (SWL) planholders are protected by a rigorous approval process that includes:
the appointment of an independent expert to produce a report on the likely impact of the transfer on planholders;
close consultation with our regulators in the UK, the Prudential Regulation Authority (the PRA) and the Financial Conduct Authority (the FCA) and where applicable, the Jersey Financial Services Commission in Jersey and the Guernsey Financial Services Commission in Guernsey;
the ability for affected parties to raise concerns or object to the transfer; and
the requirement for approval of the transfer by the court.
The court will only approve the transfer if it considers it appropriate in all the circumstances.
We recommend that you read the 'planholder guide'. This includes questions and answers regarding the transfer, a summary of the terms of the scheme, a summary of the report written by the independent expert and other information regarding the relevant court hearings. If you are not sure about any of the terms or phrases in the materials we have provided, please see the 'Glossary of terms', in Appendix D of the 'planholder guide'.
If you hold a transferring plan and there is any other person with an interest in, or entitlement to, the benefits under your plan, such as another beneficiary (person(s) potentially entitled to pension benefits under your plan), a trustee in bankruptcy, executor or personal representative, please make them aware of these proposals as soon as possible.
Unless you want to raise any concerns or have any objections you do not have to take any further action.
What should I do if I have any concerns or want to object?
If you believe you may be adversely affected by the transfer, you can raise your concerns or object to the court. You can do this in the following ways:
By calling our helpline or by writing to us by email or post at the addresses given below (please quote the name of your pension scheme and your plan number which is provided in the covering letter we sent).
By appearing in person (or by a legal representative) at the court hearing. If you wish to do this, please contact us using the details below. By informing us, we will be able to let you know more details of the court hearing once they are known or inform you if there are any changes to the date of the court hearing. We may also be able to address any concerns in advance of the court hearing. It would be helpful if any person intending to attend the court hearing give notice of such intention as soon as possible and preferably before 12 June 2019, setting out their reasons why they believe they may be adversely affected, to Zurich. This will enable Zurich to provide notification of any changes to the court hearing and, where possible, to address any concerns in advance of the court hearing.
If you contact us with an objection, we will reply to you and send your objection and our reply to the independent expert, the FCA, the PRA and the court in advance of the hearing, regardless of whether the person making the objection intends to attend the hearing.
Who is the independent expert and what is his role?
The independent expert is John McKenzie, a Director at Hymans Robertson LLP. John is a Fellow of the Institute and Faculty of Actuaries and has over 40 years' experience in the life and insurance industry. He is independent of both Zurich and Scottish Widows.
The independent expert has been approved by the PRA, following consultation with the FCA, and independence is one of the criteria that the regulators use to assess his suitability.
The independent expert's overriding duty of responsibility is to the court, not to Zurich or Scottish Widows. The application for the transfer made to the court must be accompanied by a report on the terms of the transfer by an independent expert, and is available to all affected parties.
The report contains his opinion on how the transfer will affect the various groups of planholders of Zurich and Scottish Widows. You can find a summary of his report in the planholder guide and a copy of the full report in the document library.
Transferring
What are you proposing?
Zurich Assurance Ltd and Scottish Widows Limited are planning to complete the transfer of the majority of Zurich's workplace pensions and savings business to Scottish Widows.
What is a workplace pension?
A workplace pension is a way of saving for your retirement via a scheme set up through an employer. It is now a legal requirement that all employers automatically enrol their eligible workers into a workplace pension. To find out more, please visit www.zurich.co.uk/workplace-pension.
Who is Scottish Widows?
Scottish Widows Limited is an insurance company and a wholly-owned subsidiary within Lloyds Banking Group. The Group provides services under a number of well recognised brands including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows.
Scottish Widows is one of the most recognised brands in the life pensions and investments market and have been helping people save for their financial futures for over 200 years. This proposed transfer of Zurich's workplace pensions and savings business supports Scottish Widows' plans to expand their award-winning offering, to meet customers' long-term savings needs throughout their lives and to offer an enhanced customer experience.
To find out more, please visit Scottish Widows.
Why is Zurich doing this?
For Zurich, the transfer is part of a process of simplifying our business in line with the wider business strategy of the Zurich Group.
What has already happened?
On 12 October 2017, we announced that Scottish Widows had entered into an agreement to acquire the Zurich Group's UK workplace pensions and savings business. The official press release can be found here www.zurich.co.uk/en/about-us/media-centre/life-news/2017 titled "Lloyds Banking group to boost Scottish Widows with acquisition of Zurich's UK workplace pension and savings business".
Since then, the investment based part of Zurich's workplace pensions and savings business moved to Scottish Widows on 3 April 2018. Planholders included in that particular transfer were contacted and such plans are now being provided and administered by Scottish Widows.
Now, the insurance based part of Zurich's workplace pensions and savings business is being transferred to Scottish Widows as part of the transfer. We are following a legal process set out in Part VII of the Financial Services and Markets Act 2000 which requires transfers of insurance business to be approved by the court in the UK. For more information please see 'How will the transfer be carried out?' below.
What if I've received other letters from Zurich and/or Scottish Widows recently about a systems upgrade?
You may have received or will shortly receive a letter from Zurich and/or Scottish Widows advising you of a systems upgrade relevant to your plan and how this will affect you. The systems upgrade is a separate matter from the transfer. If you have any queries on the upgrade, please refer back to your covering letter for contact details.
When will the transfer take place?
If the court approves the transfer, it will take place on the effective date, which is expected to be 1 July 2019. Please see below for details on the court hearing.
Service availability during the transfer
Zurich and Scottish Widows will need to make changes to the systems through which your plan is managed in order to carry out the transfer. In order to ensure that the implementation of these changes is carried out as smoothly as possible, there will be a trading suspension period which will begin on Tuesday 25 June 2019 and which is expected to continue until 9am on Wednesday 3 July 2019, after the effective date (the trading suspension period).
This will be a temporary, one-off suspension of services resulting from the transfer. We refer to the times shown below as 'cut-off times'. Any instructions received after the cut-off times on 25 June 2019 and before the trading suspension period has ended will not be processed until after the trading suspension period has ended.
If you think you need to carry out any transactions during the trading suspension period, then these will be processed as soon as possible after the period ends. Please contact us on your usual customer number (which you will find on previous letters we have sent to you) if you think you will need to carry out any transactions during the trading suspension period.
Cut-off times
Where we receive trading instructions before 25 June 2019, we will action the request in the usual way (so it will not be affected by the temporary trading suspension). For instructions received on 25 June 2019:
Where the instructions are submitted through our website on 25 June 2019, we will need to receive them by 3pm in order to process them before the trading suspension period begins.
Where the instructions are submitted through any other route (for example, by telephone, email or post), we will need to receive them by 9.30am on 25 June 2019 in order to process them before the trading suspension period begins.
During the trading suspension period there will be limited service availability. You (or your members) may be affected by this as follows:
Changing your investments
We (or after the effective date, Scottish Widows) will continue to take your investment instructions throughout the trading suspension period but please note that there may be a delay in those instructions being processed as follows:
Any instructions received after the relevant cut-off times on 25 June 2019, will not be processed by Scottish Widows until after the trading suspension period.
Any instructions that we receive before 25 June 2019 or that Scottish Widows receive after the trading suspension period will be processed as usual.
Paying into your pension
We can accept payments received before the relevant cut-off times on 25 June 2019 and these will be processed as usual.
We will let employers and/or trustees (where applicable) know about the limited service availability during the trading suspension period so that arrangements can be made for taking regular payments before or after the trading suspension period.
If you make regular personal payments via direct debit, and we're due to collect your payment during the trading suspension period, we will write to you nearer to the time and let you know when your payment will be processed.
Transferring out
If you are planning on transferring your pension savings to another provider at the end of June 2019, please let us know and send the relevant information needed to complete the transfer a minimum of two weeks in advance, in order to allow us to process your instruction prior to the cut-off times on 25 June 2019. If we do not receive all the relevant information in time, your request will not be processed until after the trading suspension period.
Taking your retirement benefits
If you are thinking of taking your retirement benefits at the end of June 2019 or at the start of July 2019, please let us know as soon as possible as we will require your instruction and relevant information needed to complete your request in enough time to allow us to process it before the cut-off times on 25 June 2019. Please be aware that we, or after the effective date Scottish Widows, will not be able to process your request during the trading suspension period.
Any requests to take retirement benefits between these dates will be processed by Scottish Widows after this period has ended.
If you receive any regular income drawdown payments
If you are due to receive regular income drawdown payments during the trading suspension period, we will make these before 25 June 2019. We will confirm the exact date closer to the time.
What this means for you
What will change for me?
Subject to court approval the main change is that Scottish Widows will become the provider of your plan and also operate the systems, processes and employ the team needed to service the plan.
The transfer will not change the benefits you hold under your plan. Following the transfer, all communications, literature and websites will show the name 'Scottish Widows' as the provider of your plan.
If contributions are being paid into your plan, these can continue and the payment dates will not change as a result of the transfer.
Your letter that was sent will outline any specific changes to your terms and conditions and if applicable Direct Debits. The proposed changes support the transfer of your plan from Zurich to Scottish Widows.
How will the transfer affect the plans tax status?
The transfer does not affect the UK tax status of plans. If you are resident for tax purposes in Jersey or Guernsey your tax status will not be affected. If you are resident for tax purposes in an overseas territory you may wish to take advice to confirm that your tax position is unaffected.
Will my pension funds change?
From the effective date, the funds in which your plan is invested will be provided by Scottish Widows rather than Zurich. As a result of moving to Scottish Widows, there will be no change to the nature or investment objectives of the funds in which your plan is invested, the fund range that is available to you or the charges you will pay. The value of your investments will not change as a result of the transfer. However, the names of some funds will change from the effective date. For example:
'Zurich BlackRock UK Corporate Bond' to 'SW BlackRock UK Corporate Bond'.
If you have no further questions or concerns after reading all the available information there is no need to take any further action in relation to this Transfer. If you have any concerns or want to object to the Transfer, please see below for further details.
We suggest you keep any documents we send you with your plan documents for future reference. If anyone else has an interest in your plan, for example a beneficiary, a trustee in bankruptcy, executor or personal representative, please make them aware of the proposals. If you need help to do this, please call our helpline number below.
If you would like further information about the transfer, please call us on 0800 678 3515 (if calling from UK) or +44 1242 664016 (if calling from overseas)
Monday to Friday 8am to 6.30pm (excluding bank holidays) and 9.30am to 12.30pm Saturday.
You can email us at transfer@uk.zurich.com or write to us at Zurich Corporate Savings, PO Box 1308, Cheltenham, GL50 9BY, United Kingdom.
If you email or write to us, please quote your plan number which you will find at the top of the letter we sent you.
If you contact us with an objection, we will reply to you and send your objection and our reply to the independent, the Financial Conduct Authority, the Prudential Regulation Authority and the court in advance of the hearing, regardless of whether the person making the objection intends to attend the hearing.
More about the transfer
How will the transfer be carried out?
We are following a legal process set out in Part VII of the Financial Services and Markets Act 2000. This requires the transfer to be approved by the court in the UK.
For local law reasons, we will also need to carry out separate court processes in Jersey and Guernsey. The covering letter we sent you will explain if these are relevant to you.
See below for important information regarding the court hearings.
Who will pay for the transfer?
The transfer will be paid for by Zurich and Scottish Widows with no cost to planholders.
How will my interests as a planholder be protected?
The interests of all parties affected by the transfer are being protected by a rigorous review process which includes:
Who is the independent expert?
What is the role of the independent expert?
The independent expert's overriding duty of responsibility is to the court, not to Zurich or Scottish Widows. The application for the transfer made to the court must be accompanied by a report on the terms of the transfer by an independent expert, and is available to all affected parties. The report contains his opinion on how the transfer will affect the various groups of planholders of Zurich and Scottish Widows. You can find a summary of his report in the planholder guide and the full report in the document library.
What does the independent expert think about the transfer?
The independent expert has concluded that, in his opinion, implementing the transfer will not have a material adverse impact on the security of benefits or the future benefit expectations of any policyholders of Zurich or Scottish Widows. Please see the planholder guide for a summary of the independent expert's report. You can also find his full report in the document library.
Who else has considered the terms of the of the transfer?
The chief actuaries of Zurich and Scottish Widows have each considered the terms of the transfer and prepared reports for the board of directors of their respective companies. The with profits actuaries of Zurich and Scottish Widows have also each considered the likely impact of the transfer for with-profits policyholders of Zurich and Scottish Widows and prepared reports for the board of directors of their respective companies. Each of the Zurich and Scottish Widows' actuaries have concluded that the transfer will not have a material adverse effect on the security or benefit expectations of any policyholders (or with-profits policyholders, in the case of the with profits actuaries) of the company they represent.
You can find copies of the reports by the chief actuary and the with profits actuary of Zurich in the document library and copies of the reports by the chief actuary and the with profits actuary of Scottish Widows on the Scottish Widows website: www.scottishwidows.co.uk/swtransfer2019.
What can I do if I hold a power of attorney for a planholder?
As potentially affected parties, both you (as attorney) and the planholder are entitled to raise concerns or object to the transfer. You do not need to do anything following the transfer as details of the power of attorney will be passed by Zurich to Scottish Widows.
The court hearing
Why is there a court hearing?
To carry out the transfer we are following a process set out in Part VII of the Financial Services and Markets Act 2000. This requires the approval of the transfer by the court.
When and where will the court hearing take place?
The court hearing to approve the transfer is expected to take place at 10.30am at the Business and Property Courts of the High Court of Justice of England and Wales, 7 Rolls Buildings, Fetter Lane, London EC4A 1NL on 12 June 2019.
How will you let me know about any changes to the court hearing?
Any updates in relation to the court hearing will be published on this website.
How will I find out if the court has approved the transfer?
After the court hearing, which is expected to take place on 12 June 2019, we will confirm the court's decision on this website.
What will happen if the court does not approve the transfer?
If the court does not approve the transfer, your plan will remain with Zurich. We will update this website to reflect this following the court hearing.
Are the Jersey and Guernsey court hearings relevant to me?
When and where will the Jersey and Guernsey court hearings take place?
The court hearing to approve the:
Jersey Transfer, is expected to take place at 9.00am at the Royal Court of Jersey, Royal Court House, Royal Square, St Helier, Jersey JE1 1JG on 20 June 2019; and
Guernsey Transfer, is expected to take place at 9.30am at the Royal Court of Guernsey, Royal Court House, St Peter Port, Guernsey GY1 2NZ on 21 June 2019.
Non-transferring
Why is my plan not transferring to Scottish Widows?
Any plan provided by ZAL which is not part of Zurich's workplace pensions and savings business is not in scope for the transfer, and will remain with Zurich.
"with-profits" plans or plans that allow investment in "with-profits" funds;
plans that are invested in, or allow investments in, the "Zurich Secure Managed Fund";
certain plans issued to trustees resident in the Channel Islands; and
certain other plans that Zurich and Scottish Widows agree will not form part of the transfer.
Your plan falls into one of these categories, and as such will not be transferring to Scottish Widows and so your plan details, benefits, terms and conditions, rights and obligations will not change. You will receive the same benefits under your plan which will be administered by Zurich through our trusted administration partner.
How are my interests protected?
The approval process is designed to look at the impact of the transfer on transferring and non-transferring planholders. Your interests are protected by a rigorous approval process that requires that the transfer is approved by the court and includes consultation with the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA). In addition, an independent expert has been appointed who has produced a report for the court which includes the assessment for both transferring and non-transferring planholders.
In the independent expert's opinion, implementing the transfer will not have a material adverse effect on the security of benefits, or the benefit expectations of non-transferring planholders.
Reports produced by the UK chief actuary and the UK with-profits actuary of Zurich also conclude that the security of benefits and the benefit expectations of planholders who are not transferring are not materially adversely affected by the transfer.
If you have no further questions or concerns after reading all the available information there is no need to take any further action in relation to this transfer. If you have any concerns or want to object to the transfer, please refer to below for further details.
We suggest you keep any documents we have sent you with your plan documents for future reference. If anyone else has an interest in your plan, for example a beneficiary, a trustee in bankruptcy, executor or personal representative, please make them aware of the proposals. If you need help to do this, please call our helpline number below.
If you would like further information about the transfer, please call us on 0800 678 3515 (if calling from the UK) +44 1242 664016 (if calling from overseas) (Monday to Friday 8am to 6.30pm (excluding bank holidays) and 9.30am to 12.30pm Saturday). You can email us at transfer@uk.zurich.com or write to us at Zurich Corporate Savings, PO Box 1308, Cheltenham, GL50 9BY, United Kingdom.
What should I do have any concerns or want to object?
By calling our helpline or by writing to us by email or post at the addresses given above (please quote the name of your pension scheme and your plan number which is provided in the covering letter).
By appearing in person (or by a legal representative) at the court hearing. If you wish to do this, please contact us using the details above. By informing us, we will be able to let you know more details of the court hearing once they are known or inform you if there are any changes to the date of the court hearing. We may also be able to address any concerns in advance of the court hearing. It would be helpful if any person intending to attend the court hearing give notice of such intention as soon as possible and preferably before 12 June 2019, setting out their reasons why they believe they may be adversely affected, to Zurich. This will enable Zurich to provide notification of any changes to the court hearing and, where possible, to address any concerns in advance of the court hearing.
If you contact us with an objection, we will reply to you and send your objection and our reply to the independent expert, the Financial Conduct Authority, the Prudential Regulation Authority and the court (see below) in advance of the hearing, regardless of whether the person making the objection intends to attend the hearing.
Why is the court hearing?
Transferring customer communications documents
Transferring planholder guide
Transferring planholder guide (2.5 MB/pdf)
UK transferring letters
Example transferring trustee letter (462.3 KB/pdf)
Example transferring member letter (252.9 KB/pdf)
Guernsey & Jersey transferring letters
Example transferring member letter – Guernsey (264.5 KB/pdf)
Example transferring member letter – Jersey (228.9 KB/pdf)
Non-transferring customer communications documents
Non-transferring planholder guide
Non-transferring planholder guide (1.9 MB/pdf)
UK non-transferring letters
Example non-transferring trustee letter (151.5 KB/pdf)
Example non-transferring member letter (149.6 KB/pdf)
Terms and Conditions amendments
Group Stakeholder Pension Plan (GSP) Terms and conditions table (78.0 KB/pdf)
Occupational Money Purchase (OMP) Terms and conditions table (107.1 KB/pdf)
Group Transfer Plan (GTP) Terms and conditions table (84.6 KB/pdf)
Independent Expert/Actuarial Reports
Independent Expert's Supplementary Note (242.5 KB/pdf)
Independent Expert's Supplementary report (615.8 KB/pdf)
Independent Expert's full report (1.9 MB/pdf)
Summary of the Independent Expert's report (186.5 KB/pdf)
ZAL Chief Actuary's Supplementary report (591.5 KB/pdf)
ZAL Chief Actuary's report (248.5 KB/pdf)
ZAL With-Profits Actuary's Supplementary report (292.8 KB/pdf)
ZAL With Profits Actuary's report (489.6 KB/pdf)
SWL Chief Actuary's report (8.1 MB/pdf)
SWL With Profits Actuary's report (2.7 MB/pdf)
(Supplementary reports will appear here when they become available)
Legal/Court Documents
Full Updated UK Scheme document (388.0 KB/pdf)
Full UK scheme document (657.1 KB/pdf)
Summary of the scheme document (188.3 KB/pdf)
Jersey scheme documents (130.8 KB/pdf)
Guernsey scheme documents (130.6 KB/pdf)
Legal notice (131.8 KB/pdf)


The Red Book, published to wide acclaim in 2009, contains the nucleus of C. G. Jung's later works. It was here that he developed his principal theories of the archetypes, the collective unconscious, and the process of individuation that would transform psychotherapy from treatment of the sick into a means for the higher development of the personality. As Sara Corbett wrote in the New York Times, "The creation of one of modern history's true visionaries, The Red Book is a singular work, outside of categorization. As an inquiry into what it means to be human, it transcends the history of psychoanalysis and underscores Jung's place among revolutionary thinkers like Marx, Orwell and, of course, Freud." The Red Book: A Reader's Edition features Sonu Shamdasani's introductory essay and the full translation of Jung's vital work in one volume.


The NATS 52nd National Conference offers exceptional exposure to the largest concentration of singing teachers in the world. More than 700 participants are expected to attend, including voice teachers and their students, vocal coaches, musicians, singers, and other industry professionals.
Special sponsorships are available revolving around our most popular conference events: the opening night reception, the gala banquet, and our coffee breaks. These events are extremely well-attended, and your sponsorship of one of them will afford your company or educational institution visibility to virtually every attendee at each event. Each sponsorship has a variety of complimentary perks, such as exhibit booth space, advertising space in the conference program book, signage at all events, free advertising on the conference and NATS websites, and discounts on other NATS advertising opportunities.
Recognition of your sponsorship begins months before the conference and extends through 2012 in NATS publications and with hyperlinked logos on the conference web pages. The sooner you make your sponsorship commitment, the sooner recognition begins! Sponsors are recognized in the program book and on signs at conference registration. Sponsors of specific events are recognized verbally and with signage at those events.
The benefits of the various levels of sponsorship are described in the NATS Conference Marketing Prospectus. Customized packages are available that will best achieve your marketing and branding goals.
Take center stage and get the attention of over 700 singing teachers and their students as a Sponsor at the NATS 52nd National Conference in Orlando, Florida. Join members of National Association of Teachers of Singing for five days of networking, education, and music.
Gold Level Grand Sponsor – Guest Artist Recital – you will receive headline recognition for the Nathan Gunn Concert, plus all other items listed below.
Gold Level Grand Sponsor – Music Theater Competition – you will receive headline recognition for the National Music Theater Competition (during preliminary, semifinal, and final competition), plus all other items listed below.
* Sponsor is responsible for design, printing, and delivery of flyers and all advertisements. All complimentary or discounted advertisement orders must be placed by December 31, 2012.


text:
Q: How entity manager uses hashcode and equals in JPA I have a standard JEE application with JPA. While merging previously detached entities does entity manager uses equals or hashcode to find if the object I merge is already managed? Generally when entity manager uses hashcode or equals? Is this affected by the JPA engine I use, for example Hibernate or Eclipse Link?

A: To calculate the state of an entity Hibernate uses Dirty checking.
With dirty checking

By default Hibernate checks all managed entity properties. Every time an entity is loaded, Hibernate makes an additional copy of all entity property values. At flush time, every managed entity property is matched against the loading-time snapshot value.

The dirty checking is performed by checking all property values saved at loading time.
There is no relation of equals and hashcode with how entitymanager works internally in Hibernate.

A: This is implementation dependent, but using your Entity hashcode or equals methods would not be all that reliable for any JPA mechanism.  EclipseLink does not use your equals or hashcode implementation to perform lookups or comparisons - it will use the System.identityHashCode when a hashcode is need.
An incorrect or inefficient hashcode and equality method will still have adverse affects on your application though, especially in mappings that use collection types. I'd recommend you not override them without some great need.

redpajama_set_name: RedPajamaStackExchange


Our EV Carrot face cream is lighter in texture than our original Saving Face cream. Formulated with Extra Virgin Carrot oil. Carrot oil is suited for all skin types. It is high in vitamin A and Carotene, which helps rejuvenate and regenerate skin tissue.
Copyright © 2010-2019 Food4YourSkin LLC. All rights reserved.


FinalGear helped make Top Gear the international success it is today, sharing it beyond the UK and connecting fans everywhere.
Top Gear would have never become the widely loved phenomenon it is today if the internet hadn't spread the show far and wide beyond the U.K.'s physical borders, and that is thanks in no small part to the show's unofficial fan site and forum FinalGear. Alex Mills, who went by Viper007Bond online and established FinalGear starting in 2003 as the place to find anything and everything related to Top Gear and its related shows, passed away Thursday, Feb. 27, after a long battle with leukemia. He was 34.
FinalGear started off as a place to organize everything from reliable torrents of Top Gear and like shows to detailed lists of the music that was featured in the episodes. It was hard to find quality rips of the show when FinalGear started, so it became an invaluable resource for car fans across the globe. Over time, it grew into a massive automotive community that even Top Gear's hosts acknowledged as a major source of their fan base and an influence on the show.
FinalGear stopped posting torrent links in 2014, but by then, the BBC was distributing edited versions of Top Gear across the globe due to intense fan demand, and fans who were dedicated enough to want the original edit could easily find it elsewhere. Yet when fans spent years, ahem, "acquiring" the original Top Gear on their home computers, it only felt natural to see the show's three longtime hosts reappear on Amazon's streaming service for The Grand Tour.
To say that the site had a deeply positive influence on the automotive community would be a criminal understatement. Many of us who currently work in the automotive industry or media owe our careers to FinalGear in various ways, be it from Top Gear's immeasurable influence on our work, to more directly, as Antti Kautonen noted that a forum connection to fellow auto writer Blake Z. Rong gave him his first shot at writing about cars for Hooniverse.
I'm no exception. I found the site when I was struggling with depression in college, and it was a deeply needed distraction. The worldwide nature of the community meant that there was always someone around to talk to when I really needed it, and chat I did—to the point that Mills gave me half-operator status on FinalGear's IRC to kick trolls off when they would inevitably flood the channel after every Top Gear release.
Other forum members who lived in Texas invited me to my first track day, and from there, a hobby was born. I started going to autocross events and track days of my own, giving me something to look forward to on the weekend that also served as the impetus to finally graduate. Later, I even found my first job through connections made in the local racing community.
FinalGear's online community has spawned numerous in-person meets that brought members from around the world together. It was during FinalGear's Texasmeet focused around the first-ever United States Grand Prix in Austin when I met then-Jalopnik Editor-in-Chief Matt Hardigree, a connection that led to my first automotive writing job. Even without the torrent links, the community has lived on, particularly in the form of its annual Ringmeet, which has given forum members and their friends across the world the chance to finally make the bucket-list pilgrimage to the Nürburgring among like-minded car nuts.
For the FinalGear community itself, we haven't just lost the site admin—we've lost a friend known for a near-perpetual smile and an appreciation for good burritos. Mills was constantly on the site he created and the related chat rooms it spawned, and like the rest of us, he met up with other posters whenever he could.
Mills' work among the automotive community will no doubt live on through the friends he brought together online as well as in spreading the popularity of one of the world's best car shows, which forever raised the standards of what people around the world expect from automotive media.


Grays, blues and whites play together within this living room.
- Where did you get the nesting tables?
great Sofa! Where did you get it?
You can find similar style sofas also at Casalife! They offer a great variety of styles and fabrics to choose from.
Thank you for the question and hope this helps!
This zig zag rug would be perfect in my house. Where is it from?
Toronto Rug Company offers a large selection of contemporary, geometric design area rugs and runners.
- Hi- I need to do track curtains for my place. where did you get them? Are they on the ceiling or on the wall? and where are those curtains from?
You can find really nice and simple tracks at IKEA and this particular one we used is on the wall. Also, the drapery is from Tonic Living. Hope that helps!
Where is that rug from? Thanks!
This chevron pattern rug was purchased from Wayfair! It is a nice way to add color and character to a space.
Thanks for the compliment! :) You can find very similar ottomans at Structube and Pier 1. Hope that helps!
- Where is thus grey sofa from please?
You can find similar style sofas at Casalife! They offer a great variety of sofas in different fabrics and styles.
Where did you find the bike artwork?
- I live bike artwork. Where did you find this? Thanks!
This art was custom made by an artist, however HomeSense is a great place to visit for their artworks! They carry a great variety of different types of artwork.
You can find similar style bras floor lamps from Union Lighting and HomeSense! They both carry similar style floor lighting in different finishes, and are a great place to start your search from.
- Hi there, I love the paint color! We have a similar colored dark grey couch that I think would work really well with a creamy wall. What color is this?
The paint colour is White Dove. The colour brings warmth to any space, and it is a great off white colour!
Mike doesn't like the couch (uncomfortable) and chair (long tall legs). It we both like the leather box coffee table.


text:
Rockhopper Exp plc (AIM:RKH) Final Results for the Year Ended 31 December 2021
Abm May 30, 2022
Rockhopper Exploration plc (AIM: RKH), the oil and gas exploration and production company with key interests in the North Falkland Basin, is pleased to announce its audited results for the year ended 31 December 2021.
Sea Lion and the Falkland Islands
· Definitive legally binding documents announced and, post-period, signed with Navitas Petroleum LP ("Navitas") and Harbour Energy plc ("Harbour")
o Navitas to acquire 65% interest in, and become Operator of, Rockhopper's North Falkland Basin licences
o Harbour to exit the Falklands
· Navitas to fund all of Rockhopper's Phase 1 Sea Lion project costs* pre FID via 8% loan
· Navitas to fund two-thirds of Rockhopper's Sea Lion Phase 1 project costs* from FID to one year after first oil, or project completion if earlier, via interest free loan (for any costs not met by third party debt financing)
· Loans repaid from 85% of Rockhopper's working interest share of Sea Lion Phase1 project cash flows
(* This excludes licence costs, taxes, abandonment and decommissioning costs (including the Temporary Dock Facility) and contract termination costs incurred in connection with Harbour withdrawing)
Corporate and Financial
· Administrative expenses at lowest level since pre-Sea Lion discovery – G&A US$3.3 million
· Cash of US$4.8 million as at 31 December 2021
· Ombrina Mare Arbitration proceedings formally closed on 25 April 2022 – seeking significant monetary damages
o Tribunal has 120 days after closing to issue its Award, extendable by 60 days
· Satisfaction of various conditions precedent to the Navitas and Harbour transaction required for deal completion, including various regulatory and other approvals required from the Falkland Islands Government
· Navitas to assume operatorship of Sea Lion and strengthen operating capability
· Lower upfront cost Sea Lion development to be worked up and financing sought
· FID targeted 2023/24
Keith Lough, Chairman of Rockhopper, commented:
" We are delighted to have signed legally binding documentation allowing Harbour a clean exit and bringing Navitas into the Falklands. At current oil prices and with an increased focus on security of supply, we believe a responsibly developed Sea Lion presents an exceptional chance to create very significant value for all stakeholders.
We look forward to working closely with Navitas on a lower cost development and associated financing plan for the project. With the Ombrina Mare arbitration result expected later in the year, we hope and believe that 2022 will be the start of a bright new chapter for Rockhopper ".
Chairman and Chief Executive Officer's Review
2021 saw the build-up to the outbreak of a major conflict in Europe for the first time in decades, with Russia invading Ukraine early in 2022. The most significant impact of the invasion has been and continues to be on the people of Ukraine, for whom Rockhopper's Board express their support. A consequence of the invasion has been to place an increased focus on energy security of supply and the volume of oil and gas imported from Russia into Europe in particular. At the same time the COVID-19 pandemic continues to cause uncertainty around energy demand with China imposing new lockdowns as cases spike and economic uncertainty continues across the globe. Against this backdrop it is perhaps unsurprising that energy prices have seen material volatility. The price of a barrel of Brent Crude Oil is around $115 as at time of writing, having risen from a low of $21 per barrel in April 2020.
While worldwide moves to reduce GHG emissions and reduce reliance on hydrocarbons continue as we journey through energy transition towards net zero, we believe that responsibly produced oil and gas will continue to form a meaningful part of global energy supply for many years to come.
With a best estimate of over 500 million barrels of recoverable oil ( ERCE 2016 report) , Sea Lion represents a potentially secure, highly material source of supply for those countries seeking to reduce their dependence on Russian oil. Under Premier Oil plc's ("Premier") development concept, based on hundreds of millions of dollars and multiple years of engineering efforts, the series of development phases at Sea Lion were projected to produce in excess of 120,000 barrels per day. At that rate, Sea Lion alone could be capable of replacing a highly material proportion of the oil by volume imported into the UK from Russia, all from a politically stable UK Overseas Dependent Territory. Furthermore, significant UK content is possible within the project and the regulatory regime in the Falklands will ensure the development is undertaken with high regard to ESG issues.
Rockhopper Exploration plc
Sam Moody – Chief Executive Officer
Tel. +44 (0) 20 7390 0234 (via Vigo Consulting)
Tags: energy charter treaty, Falkland Basin, Gulf of Mexico, Harbour Energy, Harbour Energy plc, Italy, Navitas Petroleum, Navitas Petroleum LP, Ombrina Mare field., premier oil, Project, rkh, Rockhopper Exp, Samuel Moody, Sea Lion, Shenandoah
Mkango Resources* (AIM:MKA) - Proposed financing with 'green-tech' investor
Millions of UK homes warned of winter blackouts

redpajama_set_name: RedPajamaCommonCrawl


text:
  In this tutorial, we will see how to build a static HTML table in order to display a list of products.

## Files structure

  This structure is not mandatory. Eliom doesn't require any specific structure so you are free to organize your code as you want.

  - `product.*`

    These files define a product record. Note that the `.eliomi` file defines the interface (this is the counterpart of the `.mli` file with OCaml).

    Each product has an identifier, a code, a list of names and a list of prices. The names are localized so they can be translated in several languages. The prices are localized too so they can be displayed in several currencies.

  - `i18n.*`, `id.*`, `money.*`, `language.*`

    Helper files for the product fields.

  - `model.*`

    Contains the list of products. For now, this list is static.

  - `view.*`

    Functions to build the HTML for the web page.

  - `mysite.eliom`

    The default main file for the application.

## Add the style sheets

We use the [Bulma](http://bulma.io/) CSS framework. Pure CSS frameworks like this one are easier to integrate with an Eliom application. Indeed, Eliom can be used to dynamically modify some parts of the web page on the client side. And there is a risk of bad interferences with other CSS frameworks which include some Javascript code.

In `mysite.eliom`, we create an external CSS link to download the Bulma style sheet:

```ocaml
  let css_bulma =
    Eliom_content.Html.F.(
      css_link
        ~uri:(
          make_uri
            ~service:(Eliom_service.static_dir ())
            ~https:true ~hostname:"cdnjs.cloudflare.com"
            ["ajax"; "libs"; "bulma"; "0.4.0"; "css"; "bulma.min.css"]
        ) ()
    )
```

And to download our local CSS file, we create a local CSS link:

```ocaml
  let css_mysite =
    Eliom_content.Html.F.(
      css_link
        ~uri:(
          make_uri
            ~service:(Eliom_service.static_dir ())
            ~absolute:true
            ["css";"mysite.css"]
        ) ()
    )
```

Then we include these links in the head part of the main page thanks to the `other_head` argument:

```ocaml
  Mysite_app.register
    ~service:main_service
    (fun () () ->
       Lwt.return
         (Eliom_tools.F.html
            ~title:"mysite"
            ~other_head:[css_bulma; css_mysite]
            View.body))
```

## Add packages

As we need the `Num` package in `money.*` code, both on the server side and on the client side, we have to add this package in `Makefile.options`:

```
  SERVER_PACKAGES := num lwt.ppx js_of_ocaml.deriving.ppx
  CLIENT_PACKAGES := num lwt.ppx js_of_ocaml.ppx js_of_ocaml.deriving.ppx
```

We also need to include the missing primitives of `Num` for js_of_ocaml with the `+nat.js` option in `Makefile`:

```
  JS_OF_ELIOM := js_of_eliom -ppx -jsopt +nat.js
```

## How to build the HTML

All the HTML for the page is built in `view.eliom` with functions from `Eliom_content.Html.F`. Under the hood, this module uses [TyXML](http://ocsigen.org/tyxml/) which is, like Eliom, a part of the [Ocsigen project](http://ocsigen.org/). `TyXML` stands for `Typed XML` and is a library for building statically correct HTML5 and SVG documents. Indeed, thanks to the strong typing of OCaml language, the library is able to forbid invalid HTML5 or SVG code at compile time.

As an example, to build a `tr` in a table, we use this code:

```ocaml
  tr [
    td [ pcdata product_code ] ;
    td [ pcdata product_name ] ;
    td ~a:[a_class ["price"]] [ pcdata product_price ] ;
  ]
```

`tr`, `td`, `pcdata` and `a_class` are functions coming from `TyXML`. The optional argument `~a` can be used to add attributes to the HTML entity (a class name for instance). The `pcdata` function is used to add plain text.

Obviously, `TyXML` needs a multitude of functions to be able to build all the HTML5 entities and attributes. In most of the cases, the function name is the same than the HTML5 entity or argument. You can consult [this page](http://ocsigen.org/tyxml/dev/api/index_values) to have a complete list and find the right function.

## Test the application

  As usual, run the Eliom server in test mode with one of these commands:

```
  $ make test.byte
```

  or

```
  $ make test.opt
```

  Then go to [http://localhost:8080/](http://localhost:8080/). You should see the products list.

## Next step

  In the [next tutorial](../00300-url-param/), we will see how to use a parameter in the URL to set the language and how to add an input select to choose the currency.

redpajama_set_name: RedPajamaGithub


Seattle biotech had a little something for everybody this past week. There was drama (Dendreon), politics (Life Sciences Discovery Fund getting whacked), a scientist's life story (David Baker), and young competitors vying to make the world a better place (UW Environmental Innovation Challenge).
—Dendreon (NASDAQ: DNDN), the Seattle developer of an immune-stimulating therapy for prostate cancer, has been waiting for months to see whether its drug can help men live longer with minimal side effects. This month, it will find out, and this long-running saga could take yet another twist.
—Gov. Chris Gregoire staked much of her economic development strategy on the 10-year, $350 million Life Sciences Discovery Fund, and now the fund is in jeopardy of being shut down, as we reported in this exclusive. Lawmakers are still ironing out the differences between bills to see how deep to cut. The legislative session is scheduled to end April 26.
—I took out some time to profile one of the leading innovators at the University of Washington, biochemistry professor David Baker. His lab has been fascinated for years by how a linear sequence of genetic code gets transformed into a 3-D protein structure. The Baker lab has gotten good enough at this that it can now design new proteins from scratch on a computer, with potential to do things like create new cellulosic biofuels.
—Elsewhere on campus, we reported on the winners of the first-ever UW Environmental Innovation Challenge. The winning team, calling themselves HydroSense, envision a way to help consumers monitor their household water consumption in real-time, which ought to help people better conserve this precious resource.
If Dendreon had definitive clinical data that proved Provenge met the FDA's established criteria at this very moment, why would the company wait until April 28th to announce these life prolonging findings at the AUA's convention.
Is not 'quality of life' to the terminally ill their legacy.


text:
Pennsylvania Pastors Network Leader Says Lehigh County Must Stand for Constitutional Law After Judge Rules Cross Must Be Removed from Seal
A federal judge last week ruled that a cross must be removed from the Lehigh County seal in Pennsylvania because it is violates the U.S. Constitution, reported Fox News and several other outlets.
The Freedom From Religion Foundation filed the suit on behalf on four Pennsylvania residents, who claimed the cross was offensive. According to Fox News, U.S. District Judge Edward Smith "made it known in his ruling that he was not happy about the decision he had to make but was following the rule of constitutional law, including the establishment clause, which states that Congress may not pass any laws establishing a religion."
"It is obvious to me that Judge Smith failed to recognize the truth of the United States Constitution and the historical background of our nation and Lehigh County," said Gary Dull, executive director of the Pennsylvania Pastors Network (PPN, www.papastors.net), a state chapter of the American Pastors Network. "The First Amendment of the Constitution states that 'Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof…' Having a cross in the center of the Lehigh County seal is not in any way 'establishing' a religion by county founders, leaders or citizens. Therefore, the opinion of Judge Smith is unconstitutional in that it both prohibits the free exercise of people of faith who historically were and are a part of the county and also fails to recognize the Judeo-Christian heritage upon which our nation, of which Lehigh County is a part, was founded.
"In his own statement, the judge said that 'the court does not believe the current state of law applicable to this case comports with the text of the Establishment Clause,' and so in the mind of any sensible person, that ends the argument," added Dull, who is the senior pastor at Faith Baptist Church of Altoona in Blair County. "For the judge to then rule in favor of the plaintiffs is an act of twisting the wording of the First Amendment in an effort to make it say what it does not according to original intent. The citizens of Lehigh County, whether they are religious or not, must stand up for constitutional law if indeed the integrity of the court system is to remain in compliance with the law of the land. America is a nation of law based upon a Constitution that has lasted for nearly two and half centuries and is not based on the whims and opinions of individual citizens. The best thing any judge or citizen can do to maintain the strength of our country is to follow the law of the Constitution, interpret it accordingly and refuse to allow personal opinion, politics, philosophy, desire or pressure from those who oppose the basic principles of our nation to take away from what America has been about from the time of its founding."
Judge Smith wrote in his ruling that "While the court does not believe the current state of the law applicable to this case comports with the text of the Establishment Clause, the court is not in a position to reject it. The law, as it currently stands, requires that the court rule in favor of the plaintiffs: the inclusion of the cross lacked a secular purpose both when the defendant adopted the seal and when the defendant refused to remove the cross from the seal, and a reasonable observer would perceive the seal as endorsing Christianity."
Lehigh County will now have to redesign the seal, in use since 1944, which includes a Latin cross near the center, as well as a heart, bison, silos and other imagery. The seal appears on flags, buildings, letterhead and legal documents, as well as the county website.
APN President Sam Rohrer also spoke with WFMZ-TV in eastern Pennsylvania about the ruling. View here.
https://americanpastorsnetwork.net/wp-content/uploads/2017/05/APN-Logo-on-Blue.jpg 0 0 News Room https://americanpastorsnetwork.net/wp-content/uploads/2017/05/APN-Logo-on-Blue.jpg News Room2017-10-04 20:32:182017-10-05 20:34:24Pennsylvania Pastors Network Leader Says Lehigh County Must Stand for Constitutional Law After Judge Rules Cross Must Be Removed from Seal
Pastor Offers Biblical Perspective on Las Vegas Shooting New Study Finds That Americans' Opinions on Abortion Can Be Confusing and...


text:
After the Fall are an Australian rock band from the Central Coast of New South Wales, formed in 2000. The band consists of vocalist and keyboardist Benjamin Windsor, drummer Andrew Atkins, bassist Matthew Gore and guitarist Mark Edward Warner.

Band history
Forming in 2000 on the Central Coast of New South Wales, After the Fall drew influences from Australian icons like Midnight Oil and AC/DC.

Their debut extended play (EP) As Far As Thoughts Can Reach was released in 2003, with the song "Three Quarter Binding" receiving airplay on Triple J. They established a following through tours with the likes of AFI, Dashboard Confessional and 28 Days.

Their debut studio album, After the Fall, was recorded in 2003, mainly in the band's own rehearsal space. It was produced by Richard Stolz, who had worked with the likes of Bodyjar and 28 Days. The single "Mirror Mirror" was high up in the Triple J Net 50 for a period of time following good airplay.

Their second album, Always Forever Now, was recorded in March 2005 with Stolz again. Vocalist Ben Windsor said the band were not fully prepared when commencing studio work for the album; "We entered the studio without a complete scope of where the record was going. I had lyrics to finish and we really weren't a 100% on what tracks we were going to lay down... We need to be pushed, and that's what happened." The album peaked at number 23 on the ARIA Charts, boosted by the single "Concrete Boots".

After the Fall have released four videos from their two albums: "Mirror Mirror" from their 2004 effort, After the Fall, and "Concrete Boots", "The Fighter", and "Outta Mind" from Always Forever Now. "The Fighter" appeared in several Australian television advertisements, including one for popular primetime show Smallville.

After the Fall have played at festivals such as Homebake, Rockit, The Falls, Splendour in the Grass, Livid, and Come Together Music Festival. In March 2005, the band traveled to the US to play at the SXSW Festival in Austin, Texas. They toured, as a supporting act, around Australia with British band The Darkness in April 2006. In mid-2006 guitarist Christopher Butcherine left the band. Butcherine appeared on both the band's self-titled album, second album Always Forever Now and debut EP As Far As Thoughts Can Reach . From 25 October to 5 November 2006, After the Fall performed on the Coca-Cola Live 'N Local Tour encompassing all major Australian cities. They played alongside other Australasian acts Evermore, The Veronicas, End of Fashion and The Hot Lies.

They performed on Triple J's Like a Version in March 2007, performing a cover of Billy Joel's "Only the Good Die Young" as well as a new song "All It Takes", rumoured to be featured on their next album. The band also performed live on Channel Ten's show Rove. In 2008, After the Fall's track "Cut Your Losses" was put in rotation on Triple J radio. The song is on a compilation album called Turning the Tide.

After previously releasing their albums through major record labels, the band decided to release independently. They recorded a third studio album in 2008, selecting a few locations including a country house in Victoria to record it. "Break Me" was released as a free download from the band's website and was not sold in traditional formats. The album was entitled [In] Exile and released through Roadrunner Records on 28 August 2009. It was produced by Richard Stolz. The band continued to gain success with the release of their next album: 2012's Bittersweet.

Discography

Studio albums

Extended plays

Singles

References

External links
 After the Fall's Official Website

Australian pop punk groups
Australian alternative rock groups

redpajama_set_name: RedPajamaWikipedia


text:
By Marcia Riefer Johnston published May 3, 2018
Editorial Process and Teams / Editorial processes / Teams / Content strategy for marketers / Intelligent Content Conference
Content Tech Overload? 3 Questions to Ask Before You Buy
"Ever want to throw your computer across the room?"
When Cathy McKnight asks hundreds of tech-savvy marketers this question at the Intelligent Content Conference, many heads nod. And there's a good reason.
"We're expected to be content superstars," Cathy explains. "We're caught between automation and the human touch. How do we use AI? Where do we draw the line in automation? How do we keep our hands in the mix and not let technology take us over?"
As a one-time SAP coder who co-founded and now helps lead the enterprise consulting practice Digital Clarity Group, Cathy understands the content-technology overload marketers face. She knows large organizations' content-tech stacks have many parts: marketing automation, analytics, content management systems, digital asset management, and so on.
And yet many organizations often lack a clear strategy for building those stacks. "A good strategy helps you get more use out of your technology and helps the tech last longer," she says. "You don't want to replace technology when you don't need to."
A good strategy helps you get more use of your technology & helps the tech last longer. @CathyMcKnight Click To Tweet
Yet, when she asks the ICC audience, "How many of you have a martech-stack strategy that talks about integration and team and training?" only one hand raises.
Would you have raised your hand? If your hand is still at your side (or even if it isn't), stop asking for or accepting new content tools or technology until you answer these questions, derived from Cathy's ICC talk, Content Tech Overload: Four Pillars and Five Tenets of a Successful Content Technology Strategy.
1. Do I understand what's available in the content part of our martech stack?
You may have seen this image, which shows the ever-growing landscape of marketing technology.
Here's a close-up of the 2017 Martech 5000 chart, which shows over 5,000 logos grouped into categories. Cathy highlights in orange all the categories that affect content professionals – nearly the whole chart.
"You may look at those 5,000 logos (3,500 of which are unique) and say, 'I work with content. Most of that doesn't apply to me.' You might think that only the section labeled Content & Experience Management applies to us," Cathy says. "In fact, most of these areas do apply to us as people responsible for content that delivers the experiences that our customers and our contacts want to have."
Even marketers who "never want to get any closer to a piece of technology than the keyboard in front of them to enter content" need to understand which pieces of technology affect the content. If you don't understand how content experiences are getting delivered to customers, you can't make strategic decisions.
You probably have much more technology in your organization that impacts content than you're aware of. Most importantly, Cathy says, "Find out which parts of the content stack your company most relies on and take care of those pieces."
TIP: Form partnerships with other teams
Reaching across department lines and working regularly with people on other teams that relate to content technology can help make sure you're getting the most value from existing and new technology investments.
Cathy says, "Get on a first-name basis with people on your IT team. Set up a time – maybe every other week or every month – to talk about things that are coming up, things you're thinking about, things you wish you could do with your technology."
Marketers, get on a first-name basis with people on your IT team, says @CathyMcKnight. Click To Tweet
2. Does the team have the skills to use the tools?
To make your content sing, Cathy says, you may not need new or top-of-the-line technology. You need top-of-the-line teams, including marketing, editorial, IT, and maybe business intelligence, administrative, and others. Those teams need the skills to use, support, and integrate your content technologies with other parts of the business.
"Skills aren't just about learning the user interface. They're not just about understanding how to send a campaign or how to post a blog post. They're also about understanding how the content works within the technologies: where it's transferred, where it sits," Cathy says.
Some team members, for example, may need training to gather and use data to make their lives as content providers easier and to enable your content to reach more prospective customers.
The point is, companies can't just drop technology in people's laps. Though that happens all the time, Cathy says. Somebody buys a tool, points everyone to an hour-long training video, and says, "Now go! Make a return on that investment! We just spent a half-million dollars on this technology; make it work!"
TIP: Audit team skills
Do a skill-set audit to find out what people know how to do and their comfort level in using each technology. What training is missing? What would they like to learn to do?
"You may discover that someone in an analytics role or other technical role is super creative and would like to help generate some of the social content," Cathy says.
In addition to helping with planning for tools and technology, a skill-set audit provides a strategic benefit when it's time to hire someone. "Wouldn't it be great to understand the gaps on your team so that you could bring in people who can fill those gaps?" Cathy says.
HANDPICKED RELATED CONTENT: New Tech Friends on the Marketing Block
3. What's our content-tech strategy?
"Oooh, we want that. We need that!" New technology – whether it's right for you or not – can be tantalizing. Vendors may want you to believe that without some shiny new thing you will fail.
But is that shiny new thing for you? Without a road map, it's hard to say. To take stock and create a strategic road map, Cathy suggests asking these questions:
If we bought that functionality or tool, could we adopt it?
Are we in a position to use it the way it's intended?
Do we have the processes?
Do we have the skill sets?
What are our capabilities?
What direction are we heading in?
Is now the right time to acquire it?
Can our technology already do those things?
Will it help us meet our corporate goals?
After you answer these questions and others like them, plot a technology road map. Maybe you'll map your way to buying a shiny object or maybe you won't. You may find you can achieve what you want to achieve by adopting new features, functions, and innovations within your existing stack.
Plot a content-tech road map to be strategic about your tech use and purchases, says @CathyMcKnight. Click To Tweet
HANDPICKED RELATED CONTENT: What to Consider When It's Time for New Marketing Technology
TIP: Make friends with content technology
To create the most useful road map, get over your fears or insecurity around technology. "Be the one who can go to your IT department and say, 'I heard that our CMS in the next release is going to have x functionality. I think we could use that. Are we in a position to adopt that?'" Cathy advises.
When you can envision the impact the content technology will have on the company and how it will help the organization succeed, you'll have what you need to get buy-in from senior leadership
HANDPICKED RELATED CONTENT:
Road Map to Success: Content Marketing Strategy Essentials
How to Persuade the Naysayers to Embrace New Marketing Technology
Take control of content-tech decisions
Frazzled. Frustrated. Confused. Those are the words Cathy uses to describe today's marketer in relationship to technology. Tools hamper us even as they enable us.
Stepping back and thinking strategically about all those tools can make all the difference.
Cathy offers some ways to do just that:
Get to know the parts of your martech stack that relate to content.
Audit your teams' skills – and address the gaps.
Form partnerships with other teams.
Help create a content-tech road map.
Measure before you act (and think before you measure).
As you do these things, you'll be well on your way to developing a content-technology strategy that could inform your company's technology purchases for years to come.
Here's an excerpt from Cathy's talk:
Create your road map and then learn about the shiny new objects (and a lot more about content marketing) at Content Marketing World Sept. 4-7 in Cleveland, Ohio. Register today using code BLOG100 to save $100.
Author: Marcia Riefer Johnston
Marcia Riefer Johnston is the author of Word Up! How to Write Powerful Sentences and Paragraphs (And Everything You Build from Them) and You Can Say That Again: 750 Redundant Phrases to Think Twice About. As a former member of the CMI team, she served as Managing Editor of Content Strategy. She has run a technical-writing business for … a long time. She taught technical writing in the Engineering School at Cornell University and studied literature and creative writing in the Syracuse University Masters program under Raymond Carver and Tobias Wolff. She lives in Portland, Oregon. Follow her on Twitter @MarciaRJohnston. For more, see Writing.Rocks.
Other posts by Marcia Riefer Johnston


As some of you may have already noticed, if you've never made a post on DRD Team before, your first post gets entered into a moderation queue. This effort is pretty much designed to eliminate spam bots completely, since they make themselves obvious as soon as they make their first post.
Anyway, please don't be alarmed by this, pretty much any normal person is going to get their first post approved. If it doesn't get approved quickly, please send me a PM. Also, any of the hostees will be able to approve your post, if you post in their forum.
After your first post is approved, you will not need to do this again unless the post is deleted.
We live here in Strifedale.
A Very good idea! Though I must admit, this board doesn't really seem lively?
Compared to other boards, no this board isn't lively at all.
When it all factors down, though, this board sees a lot more action than a regular ghost town, though.
you have indeed Infact I just Laughed my head off at your post about Halloween, hiding in your garage playing creepy synth music from your keyboard as people trick or treat in your neibourhood! haha!
[spoiler]of a married mom with five kids!
Martin Howe is a panther?


The world is full of taboo careers, mentalities, hobbies, and interests. Some of these are observed by the general society, but for the most part, we rarely notice. Yes, it's what makes the world go round. I've never really liked the word, "weird." I often challenge those who call others weird to define the term itself. And of course, they can't (or come up with an array of stuttering and awkward pauses). Instead, I'd rather substitute weird with unique. We need those unique people, who don't think like the mainstream audience, to create new technology, social networking tools, and array of other "weird things" that general consumers can't live without.
There's a deep pit I get in my stomach when I see someone dinning alone. I feel terrible, sad, depressed, and full of emotion. It's like seeing someone alone on Christmas. There's a burning desire to reach out and console a lonesome character. We've all had this happen before. Honestly, how could you not feel bad for a person whom we all often portray as a lonely person. It's a proven fact that humans aren't meant to be alone for long periods of time. It would drive even the sanest mind into the ground.
I think, though, my mind is beginning to change, well at least somewhat. I read an article recently in Kinfolk Magazine, written by Ashley Paquin. In her piece, she dives deep into the abyss of lonesome dinning by oneself. It's not that I condone the notion of wanting to be by oneself, but I truly felt that I somehow needed some kind of communication with the outside world. I'll admit, though, Ashley opened the idea into a new room, one that may only be occupied by a single person. "Perhaps dinning alone is the perfect way to rethink your relationship with yourself, and to reconfigure the pathway to self and love." She's got a good point here; that is we are over-consumed with just about everything. The world is polluted. Noise, images, videos, media; it's enough to drive anyone nuts. I'm not saying to completely un-plug yourself and move to the middle of Nebraska. What I am saying, though, is to turn off your phone once in a while. Eat by yourself, without the sounds of external media bombarding your mind. I know it may have a deeper meaning behind it, but looking into it may just be the worst thing you could do.
What Are you Working for? Here's the Real Reason.


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Manufacturing company fined after worker suffers brain injury in forklift truck incident
A company that manufactures metal pressings and sub-assemblies for the automotive industry, has been fined after a worker was struck by a forklift truck and suffered a serious brain injury.
The worker needed to be placed in an induced coma after a forklift truck struck him at a premises in Crown Business Park, Dukestown, Tredegar, Newport Magistrates' Court was told. The incident happened on 23 November 2018,
The HSE's investigation found that there was inadequate control of workplace transport risks. This included lack of segregation between vehicles and pedestrians, no safe pedestrian crossings where vehicle and pedestrian routes crossed and insufficient safety signage to highlight hazards.
G-Tekt Europe Manufacturing Limited of Gloucester Business Park, Golf Club Lane, Brockworth, Gloucester was found guilty of breaching Regulation 4(1) of the Workplace (Health, Safety and Welfare) Regulations 1992 and was fined £525,000 and ordered to pay costs of £8,014.40.
Speaking after the case, HSE Inspector, Sian Donne said: "Failure to ensure that workplace transport is managed safely is a serious breach of fundamental health and safety duties."
Safety & Health Podcast: Listen now
Exclusive interviews, the very latest news and reports from the health and safety frontline and in-depth examinations of the biggest issues facing the profession today. You'll find all that and more in the Safety & Health Podcast from SHP.
Find us on Apple Podcasts, Spotify and Google Podcasts, subscribe and join the conversation today.
Listen today!
Manufacturing company fined after worker suffers brain injury in forklift truck incident A company that manufactures metal pressings and sub-assemblies for the automotive industry, has been fined after a worker was struck by a forklift truck and suffered a serious brain injury.
Nestlé fined after worker traps arm in machine
Sawmill firm sentenced after serious hand injury
Topics: Forklift Truck, HSE, In court, manufacturing, workplace


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Introducing the IcePad, promotes increased brush speed and sweeping effectiveness.
Used by Team McEwen for several WCT event wins this year!
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The IcePad has taken the unprecedented step of throwing 200 years of curling belief out the window by asking one simple question – if the rock travels only on top of the pebble, why do we need to brush in between the pebble? The answer to this question is because up until now curlers had no choice. Current brushes on the market are made of foam or hair, which press down and surround the pebble, generating friction in areas where the rock has no contact. This wastes an incredible amount of energy on sweepers. The IcePad isolates the friction caused by brushing only where the rock has contact with the ice – on top of the pebble. This will produce better quality shots.
The IcePad has a less abrasive and long-lasting fabric that promotes less ice damage. The advanced waterproof material means your pad will last much longer than a regular pad. Current synthetic pads absorb water and wet pads lead to ineffective sweeping. When the IcePad cover gets dirty, simply take off the cover, wash it, and put it back on. When traditional pads get worn out, you have to replace the entire pad. With the IcePad, you simply replace the cover, at a significantly lower cost!
The IcePad also has a 360° pivoting head made of stainless steel parts and a virtually unbreakable plastic head for durability, and the lower profile lets you sweep closer to the rock than any other brush on the market.


Select a destination on the flight map to show all scheduled flights from Cuneo Airport. Find out which airlines operate a specific flight route and what their flight schedule is.
Below you can find a list of alternative airports to Cuneo (CUF). The nearest airports to Cuneo (CUF) are Turin (TRN) and Monaco (MCM).
Cuneo Airport (IATA: CUF, ICAO: LIMZ), also known as Levaldigi Airport, is a small airport in Italy.	It is an international airport and serves the area of Cuneo, Italy.	Cuneo Airport has passenger flights scheduled to 2 destinations in 1 country.
At present, there is one domestic flight from Cuneo.
The longest flight from Cuneo CUF is a 1,121 mile (1,804 kilometers) non stop route to Casablanca CMN. This direct flight takes around 2 hours and 50 minutes and is operated by Air Arabia Maroc.


The physiological parameters monitoring of human target are considered to be a meaningful and challenging task in non-line-of-sight (NLOS) scenes such as rescue of trapped survivors in post-disaster. In this paper, a new method based on developed adaptive line enhancer (DALE) is proposed to monitor vital signs via ultra-wideband (UWB) radar with centre frequency of 400 MHz. The validity of this new method is proved by means of two experiments with different positions of human target. The good results demonstrate that this new method can be used for vital sign monitoring including respiration and heartbeat through the obstacle. Furthermore, the motion responses due to respiration and heartbeat in different body positions are also discussed.
W. Z. Li, Z. Li, H. Lv, G. Lu, Y. Zhang, X. Jing, S. Li, and J. Wang, "A New Method for Non-Line-of-Sight Vital Sign Monitoring Based on Developed Adaptive Line Enhancer Using Low Centre Frequency UWB Radar," Progress In Electromagnetics Research, Vol. 133, 535-554, 2013.
1. Immoree, I. and T.-H. Tao, "UWB radar for patient monitoring," IEEE Aerospace and Electronic Systems Magazine, Vol. 23, No. 11, 11-18, 2008.
2. Lazaro, A., D. Girbau, and D. Villarino, "Analysis of vital signs monitoring using an IR-UWB radar," Progress In Electromagnetics Research, Vol. 100, 265-284, 2010.
3. Ramos, A., A. Lazaro, D. Girbau, and R. Villarino, "Time-domain measurement of time-coded UWB chipless RFID tags," Progress In Electromagnetics Research, Vol. 116, 221-237, 2011.
4. Zhang, Z. and Y. Lee, "A robust cad tool for integrated design of UWB antenna system," Progress In Electromagnetics Research, Vol. 112, 441-457, 2011.
5. Alshehri, S. A., S. Khatun, A. B. Jantan, R. S. A. Raja Abdullah, R. Mahmood, and Z. Awang, "Experimental breast tumor detection using nn-based UWB imaging," Progress In Electromagnetics Research, Vol. 111, 447-465, 2011.
6. Alshehri, S. A., S. Khatun, A. B. Jantan, R. S. A. Raja Abdullah, R. Mahmood, and Z. Awang, "3D experimental detection and discrimination of malignant and benign breast tumor using nn-based UWB imaging system," Progress In Electromagnetics Research, Vol. 116, 221-237, 2011.
7. Mikhelson, I. V., S. Bakhtiari, T. W. Elmer, and A. V. Sahakian, "Remote sensing of heart rate and patterns of respiration on a stationary subject using 94-GHz millimeter-wave interferometry," IEEE Trans. Biomed. Eng., Vol. 58, No. 6, 1671-1677, 2011.
8. Yang, Y., S. M. Royg, N. C. Karmakar, and X. Zhu, "A novel narrow bandpass filter for image rejection and channel selection in a wireless sleep apnoea monitoring system," Progress In Electromagnetics Research, Vol. 125, 483-501, 2012.
9. Zhang, W., A. Hoorfar, and L. Li, "Through-the-wall target localization with time reversal music method," Progress In Electromagnetics Research, Vol. 106, 75-89, 2010.
10. Jia, Y., L. Kong, and X. Yang, "A novel approach to target localization through unknown walls for through-the-wall radar imaging," Progress In Electromagnetics Research, Vol. 119, 107-132, 2011.
11. Li, Y., X. Jing, H. Lv, and J. Wang, "Analysis of characteristics of two close stationary human targets detected by impulse radio UWB radar," Progress In Electromagnetics Research, Vol. 126, 429-447, 2012.
12. McGinley, B., M. O'Halloran, R. C. Conceicao, G. Higgins, E. Jones, and M. Glavin, "The effects of compression on ultra wideband radar signals," Progress In Electromagnetics Research, Vol. 117, 51-65, 2011.
13. Shaban, H. A., M. A. El-Nasr, and R. M. Buehrer, "Localization with sub-millimeter accuracy for UWB-based wearable human movement radar systems," Journal of Electromagnetic Waves and Applications, Vol. 25, No. 11-12, 1633-1644, 2011.
14. Wong, S. K., F. Kung, S. Maisurah, and M. N. B. Osman, "A wimedia compliant cmos RF power amplifier for ultra-wideband (UWB) transmitter," Progress In Electromagnetics Research, Vol. 112, 329-347, 2011.
15. Lizzi, L., G. Oliveri, and A. Massa, "A time-domain approach to the synthesis of UWB antenna systems," Progress In Electromagnetics Research, Vol. 122, 557-575, 2012.
16. Zhu, F., S. Gao, A. T. S. Ho, C. H. See, R. A. Abd-Alhameed, J. Li, and J. Xu, "Design and analysis of planar ultra-wideband antenna with dual band-notched function," Progress In Electromagnetics Research, Vol. 125, 483-501, 2012.
17. Andres-Garcia, B., L. E. Garcia-Munoz, D. Segovia-Vargas, I. Camara-Mayorga, and R. Gusten, "Ultrawideband antenna excited by a photomixer for terahertz band," Progress In Electromagnetics Research, Vol. 114, 1-15, 2011.
18. Nezirovic, A., A. G. Yarovoy, and L. P. Ligthart, "Signal processing for improved detection of trapped victims using UWB radar," IEEE Trans. Geosci. Remote Sens., Vol. 48, No. 4, 2005-2014, 2010.
19. Lv, H., G. H. Lu, X. J. Jing, and J. Q. Wang, "A new ultra-wideband radar for detecting survivors buried under earthquake rubbles," Microwave Opt. Technol. Lett., Vol. 52, No. 11, 2621-2624, 2010.
20. Zhu, F., S. C. S. Gao, A. T. S. Ho, T. W. C. Brown, J. Li, and J. D. Xu, "Low-profile directional ultra-wideband antenna for see-through-wall imaging applications," Progress In Electromagnetics Research, Vol. 121, 121-139, 2011.
21. Crowgey, B. R., E. J. Rothwell, L. C. Kempel, and E. L. Mokole, "Comparison of UWB short-pulse and stepped-frequency radar systems for imaging through barriers ," Progress In Electromagnetics Research, Vol. 110, 403-419, 2010.
22. Tian, B., D. Y. Zhu, and Z. D. Zhu, "A novel moving target detection approach for dual-channel SAR system," Progress In Electromagnetics Research, Vol. 115, 191-206, 2011.
23. Li, B., Z. Zhou, D. Li, and S. Zhai, "Efficient cluster identification for measured ultra-wideband channel impulse response in vehicle cabin," Progress In Electromagnetics Research, Vol. 117, 121-147, 2011.
24. Baboli, M., A. Sharafi, A. Ahmadian, and M. S. Nambakhsh, "An accurate and robust algorithm for detection of heart and respiration rates using an impulse based UWB signal," International Conference on Biomedical and Pharmaceutical Engineering, ICBPE'09, 13-18, 2009.
25. Ossberger, G., T. Buchegger, E. Schimback, A. Stelzer, and R. Weigel, "Non-invasive respiratory movement detection and monitoring of hidden humans using ultra wideband pulse radar," Proc. of the 2004 International Workshop on Ultra Wideband Systems Joint with Conference on Ultra Wideband Systems and Technologies, 395-399, Piscataway, NJ, USA, 2004.
26. Pavlov, S. and S. Samkov, "Algorithm of signal processing in ultra-wideband radar designed for remote measuring parameters of patient's cardiac activity," Ultrawideband and Ultrashort Impulse Signals, 2004 Second International Workshop, 204-207, 2004.
27. Xu, Y., S. Dai, S. Wu, J. Chen, and G. Fang, "Vital sign detection method based on multiple higher order cumulant for ultrawideband radar," IEEE Trans. Geosci. Remote Sens., Vol. 50, No. 4, 1254-1265, 2012.
28. Liu, Z., L. Liu, and B. Barrowes, "The application of the Hilbert-Huang transform in through-wall life detection with UWB impulse radar ," PIERS Online, Vol. 6, No. 7, 695-699, 2010.
29. Federal Communications Commission (FCC), First report and order in the matter of revision of Part 15 of the commission's rules regarding ultra-wideband transmission systems, ET Docket 98-153, FCC 02-48, Apr. 2002.
30. Li, W., X. Jing, Z. Li, and J. Wang, "A new algorithm for through wall human respiration monitoring using GPR," 14th International Conference on Ground Penetrating Radar (GPR), 947-952, 2012.
31. Mendel, J. M., "Tutorial on higher-order statistics (spectra) in signal processing and system theory: Theoretical results and some applications," Proc. IEEE, Vol. 79, No. 3, 278-305, 1991.
32. Kiriazi, J. E., O. Boric-Lubecke, and V. M. Lubecke, "Dual-frequency technique for assessment of cardiopulmonary effective RCS and displacement ," IEEE Sens. J., Vol. 12, No. 3, 574-582, 2012.


The Shortloin Tail is the same cut as the Filet Tail, but it's taken from the part of the filet that is left on the Shortloin (where Porterhouses & T-Bones are cut from). Being left on the Shortloin, this part of the filet undergoes our full dry-aging process, which shrinks it down even further. Tender as a filet, and with the funky flavor that only Dry Aging brings, these Shortloin Tails are a small, yet great cut.


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Burl Richard Cunningham Jr.
Burl Richard Cunningham Jr., 61, parted from this earthly life on January 3, 2020. Those who passed on before him include his father Burl Richard Cunningham Sr., his sister Brenda J VanHoy and his brother Fredrick Scott Cunningham. The family that remains are his wife Shawn (Selby) Cunningham, his mother Brilla Joyce (McCloud) Cunningham, children; Miranda Spring Jackson, Meika Silver Cunningham, Malina Starr Cunningham, Marrie Sun Edgerton, Sarah Ashley (Englehardt) Tucker, and Spencer Andrew Englehardt. Along with a horde of grandchildren; Jordan Joseph Clinger, Aiyanna Sigman, Lucas Sigman, Sage Cunningham, Richard Etherington, Lucien Lawrence, Forrest Cunningham, Jaxper Cunningham, Stormie Edgerton, Hazel Edgerton, and one more that is still forming in utero. There is a quote hanging up in his kitchen that says, "The love of a family is life's greatest blessing." Richard was beyond a blessing for anyone who came into contact with him, not just family and friends but to strangers in line at the supermarket as well. He was always eager to lend a helping hand or even just a sympathetic ear. When the world seemed heavy and the burdens of life too much to bear, he was always ready to help ease away some of the burden, no matter how heavy. With his quick wit and charming personality, laughter was never far away. The love and compassion that he possessed was discernable throughout his life. He always had a warm and welcoming hug anytime one was needed. The unconditional love, encouragement and support he provided for so many are irreplaceable. The strength of spirit within him is sure to be recognized by his savior and lord Jesus Christ. The immense void left by his departure is too great to put into words. Saying he will be greatly missed is an understatement. With his passing he is now free from the pain and physical woes that had befallen him during his time on the Earth. The world lost an amazing human, but the universe gained a beautiful soul in the heavens. His memory will forever be treasured by all those who had the honor to have known him in this life. For those left here on earth, he will be waiting with arms wide open when it is our time to cross that divine threshold. A memorial service for Richard is being held Friday, January 10, 2020 at 7:00pm at The Church of Jesus Christ of Latter-Day Saints at 2330 County Road 528, Sumterville, FL. In lieu of flowers, donations to the National Kidney Foundation or to the American Diabetes Association would be greatly appreciated.
Burl Richard Cunningham Jr., 61, parted from this earthly life on January 3, 2020. Those who passed on before him include his father Burl Richard Cunningham Sr., his sister Brenda J VanHoy and his brother Fredrick Scott Cunningham. The family... View Obituary & Service Information
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