text:
When finished, click on the 'Agree' button at the bottom to sign up for NBC Online.
The words“we,” “our,”and“us”means the Bank.
The words“you”and“your”mean each applicant, account owner and anyone else with access to the account. If there is more than one owner, then these words mean each account owner separately, and all account owners jointly.
“AccessDevice”means any electronic device you use to access your account and view electronic documents. This includes, but is not limited to: a traditional computer such as a desktop or laptop computer; or a mobile device such as a tablet computer or a smartphone.
“NBC Product” means each and every account, product or service we offer that you apply for, own, use, administer or access, either now or in the future. NBC Products include Electronic Services.
Your consent to use electronic records and signatures; choosing to receive communications electronically or in writing; certain information must still be provided in writing.
Electronic Records may be delivered to you in a variety of ways. In some cases, you will be able to choose whether to receive certain Communications electronically, or on paper, or both. We will provide you with instructions on how to make those choices when they are available.
We will continue to provide your tax statements on paper.
If we provide Electronic Records to you, and you want a paper copy, you may contact us at 800-590-2580 or email us at customerservice@nbcok.com and request a paper version. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the applicable agreement for any fee that may apply for paper copies.
Your consent covers all Communications relating to any NBC Product. Your consent remains in effect until you give us notice that you are withdrawing it. From time to time, you may seek to obtain a new NBC Product from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other NBC Product.
“Your ability to use certain NBC Products.
If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service or other courier. To withdraw your consent after you have already submitted your consent, you must call us at 800-590-2580 or email us at customerservice@nbcok.com.
“You will no longer receive the electronic presentment of any documents.
It is important that you maintain a valid email address so that we may contact you regarding your account. You agree to maintain a valid email address and promptly notify us of any changes to your email address. You may update your email address during the application process or by contacting us at 800-590-2580 or email us at customerservice@nbcok.com.
By consenting to this agreement, you confirm that your Access Device meets the minimum specifications and requirements necessary to view and retain your electronic documents.
A mobile device with any of the following operating systems: Android or iOS (iPhone).
A data plan provided by your wireless carrier and an up-to-date mobile internet browser that is compatible with, and supported by, your operating system (e.g., Google© Chrome or Safari©).
If you wish to view .pdf files on your mobile device, you will need software that accurately reads and displays .pdf files (such as the mobile version of Adobe©Reader).
A printer and/or storage device if you wish to print or retain any electronic documents.
oWindows© operating systems that are in an active product support lifecycle and are still supported byMicrosoft.
oApple© operating systems that are in an active product support lifecycle and are still supported by Apple.
A high speed internet connection and an up-to-date internet browser that is compatible with, and supported by, your operating system (e.g. Internet Explorer©, Firefox©, Google Chrome, or Safari©).
Software that accurately reads and displays .pdf files (such as Adobe Reader).
We will notify you if our hardware or software requirements change and whether that change creates a material risk that you would not be able to access or retain your electronic documents. Continuing the application process after receiving notice of the change is the reaffirmation of your consent to this Agreement.
By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your NBC Products.
Your acceptance of this agreement on one Access Device constitutes your acceptance on all Access Devices you use. For example, if you view and accept this agreement on a mobile device, the terms of this Agreement will apply to electronic documents accessed on a traditional computer (or vice versa). Additionally, by viewing and accepting this agreement on any Access Device, you are reasonably demonstrating your ability to access and view electronic documents in the format that the services are provided on that Access Device and all subsequent Access Devices. If you change Access Devices (or use multiple Access Devices), it is your responsibility to ensure that the new Access Device meets the applicable system requirements and that you are still able to access and view electronic documents on the subsequent Access Device. Continuing your application on other Access Devices is your reaffirmation of this Agreement.
Please contact us at 800-590-2580 or email us at customerservice@nbcok.com if you have difficulties accessing or viewing electronic documents on your selected Access Device.
You will be asked to acknowledge your acceptance of these terms by selecting the ”AGREE” button before you are able to continue with your application. In doing so, you are confirming that you meet the system requirements described above, that you have demonstrated your ability to receive, retain, and view electronic documents on your Access Device, and that you have an active and valid email address.
This Electronic Banking Agreement ("Agreement") establishes the rights, responsibilities, and obligations between you and NBC Oklahoma ("Bank"). Read this Agreement carefully. By requesting and using any of NBC Oklahoma's Online Banking Services ("Services"), you acknowledge that you have read, understand, and agree to comply with the terms and conditions contained in this Agreement.
For the purpose of this agreement, the words "we," "us," "our," and "bank" refers to NBC Oklahoma, "you" and "your" refers to each person who is an authorized signer on any account subject to this agreement and any other person authorized by any signer to exercise control over any account subject to this agreement. Consumer: For the purpose of this Agreement, a consumer is a natural person. The terms and conditions as stated in this Agreement apply to Consumer type accounts. For terms and conditions applicable to Business type accounts refer to NBC Oklahoma Online Business Banking Agreement.
Download account history to Excel or to Quicken.
NBC Oklahoma Online Banking is an online electronic banking service provided by NBC Oklahoma for its consumer customers. To access our online banking services, you must have an NBC Oklahoma checking account, a personal computer with a connection to an Internet Service Provider (ISP), and appropriate Internet browser software. You may access NBC Oklahoma Online Banking services 7 days a week, 24-hours a day through our web site https://www.nbc.bank.
The Password that you select should be unique to you. For security purposes, your Password will not be communicated to us and should not be associated with any commonly known personal identification, such as your social security number, street address, your birthday or a family member's birthday, your driver's license number, or the names of relatives. You should memorize your Password rather than writing it down and never reveal it to anyone that you have not authorized to perform account transactions. You are responsible for keeping your Password and account information confidential.
If you have forgotten your password or have been locked out of the system, you can request for the password to be reset online by clicking on the "Forgot Password?" link and by correctly answering your previously selected "multi-factor authentication" security questions. You may also contact us directly by telephone to reset your Password. Please note that for your security, we will contact you using only the mailing address and telephone number on file, therefore, it is important that any changes in your address or telephone number be communicated to us as soon as possible.
Your role is extremely important in the protection of your accounts and the prevention of any unauthorized use. Security and access to your accounts through NBC Oklahoma Online Banking is maintained by your Password, which you will create during the online registration process. It is your responsibility to take precautions and protect your Password. You agree to keep your Password confidential along with your account numbers and other account information, to change it when an unauthorized person has learned it, choose a Password that would not be easy to guess, memorize your password and not write it down, and not disclose or otherwise make it available to anyone not authorized to sign on your accounts. Other precautions that you can take to protect your accounts and prevent unauthorized use are to never leave your computer when you are logged into Internet banking and to exit Internet banking as soon as you are finished and to close the browser window.
If you sent the Bank an e-mail message, the Bank will be deemed to have received it on the following business day. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.
NOTE: E-mail transmissions outside of the Online Banking site are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. If you wish to contact us electronically, use the Secure Contact Form within the online banking site regarding concerns of a confidential nature.
All accounts with the Bank that you enroll in Online Banking services will be linked by tax identification numbers of the persons authorized to access the accounts. The linked accounts will appear together without regard to the ownership of the accounts. For example, if an authorized user of a linked account accesses the Service, that authorized user will be able to view and access at a single time any other accounts for which the person is a co-owner or authorized user.
When you sign up for Bill Payment Service, your application is submitted to the Bank for processing. You will be asked to designate an account with us from which payments will be deducted. Fees and charges relating to bill payment will be deducted from the account, which you have designated with us as your primary account. Due to transaction limitations, we recommend that you do not designate your money market or savings account. Bill Payment Service allows you, and anyone whom you have provided with your Password, to make one-time or periodic recurring payments through the Internet.
You will designate a primary account during the application process. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the account that you have designated as the primary account or any other account for any fees and charges. If you close your primary account, you must notify us and identify a new payment account for the selected services.
IMMEDIATELY CHANGE YOUR PASSWORD and tell us AT ONCE if you believe your Password has been lost or stolen, become known to an unauthorized person, or if a transfer or bill payment has been made without your authorization or knowledge. Telephoning is the best way of keeping your possible losses to a minimum. You could lose all the money in your account (see Section 16 for our Error Resolution Process and limitations. If you believe or after learning that your Password has been lost, stolen, or become known to an unauthorized person, and you tell us within two (2) business days, you can lose no more than $50 if someone used your Password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers or bill payments that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
For purpose of notification, our business days are Monday through Friday, excluding Holidays, and our hours are 8:00 a.m. to 5:00 p.m., Central Standard Time (CST).
Other exceptions may be stated in our other account agreements with you.
Under no circumstances will we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, or access software or Internet browser. You agree that we will not be liable for any payment, transfer, or transaction from or to any account where the payment, transfer, or transaction was authorized by the appropriate Password.
B. Indemnification: You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third party claim, demand, suit, action or other proceeding and any expenses related to an Online Banking account.
C. Third Parties: We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser such as Firefox, Google Chrome, or Microsoft Explorer, by an internet access provider, or by an online service provider, nor will be liable for any direct, indirect, special or consequential damages resulting from your access or failure to access on Online Banking account.
D. Virus Protection: The Bank is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may corrupt and destroy your programs, files and your hardware.
You will receive a monthly account statement from us for your checking accounts. You will receive a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case you will receive a statement at least quarterly.
For the purpose of contacting the Bank at one of the telephone numbers listed in Section 10, " Your Liability" of this Agreement, our business days our Monday through Friday, excluding bank holidays, 8:00 am to 5:00 pm, Central Standard Time. You may access your bank accounts through Services seven (7) days a week, 24 hours a day. However, at certain times, some or all Services may not be available due to system maintenance, record processing, or technical difficulties.
Federal law limits the number of electronic transfers that can be made in a month from certain type of accounts. Transfers from a money market deposit account to another account or to third parties by preauthorized, automatic, telephone, or Internet transfer are limited to six (6) per statement cycle. Transfers from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or Internet transfer are limited to six (6) per month with no transfers by check, draft, or similar order to third parties. (These transfers do not include those made at an Automated Teller Machine (ATM) or personally with a bank teller.) Exceeding these limiatons may require that we close your account in order to comply with federal regulations.
All bill payments and transfers initiated through Services are subject to the existence of sufficient funds available in the affected account to cover the transfer or bill payment.
“Tell us your name and account number.
“Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
“Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. Your account is considered a new account for the first thirty (30) days after the first deposit.
Any transaction entered on the Online Banking system, Monday through Friday before 7:00 p.m., Central Standard Time, will be processed on that business day. Any transaction entered on the Services system after 7:00 p.m., Central Standard Time, or on a Saturday, Sunday, or Holiday, will be processed on the next business day.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments if you call us or write us at the telephone number or address provided in the Your Liability section of this Agreement in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. An oral stop payment order ceases to be binding after fourteen (14) days if you fail to provide the required written notice.
If your order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable only for your actual loss.
In addition to this Agreement, you and the Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your NBC Oklahoma Online Bank Accounts, the Bank's rules and regulations, and applicable federal and state laws and regulations. This Agreement will be governed by and interpreted in accordance with the applicable laws and regulations of the United States and the State of Oklahoma. Your use of Services is your acknowledgement that you have received these agreements and disclosures and agree to be bound by them. You should review other disclosures received when you opened your accounts with us including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures.
You agree to accept in an electronic format any and all information, disclosures, or notifications required by banking laws or regulations to be delivered in written form. If you do not have the ability to print or download this Agreement or any disclosure, information, or notification, you should immediately request from us written notification in paper format. Call or write us at the telephone number or address provided in the Your Liability section of this Agreement.
We reserve the right to change the charges, fees, or other terms described in this Agreement. When changes are made to any fees, charges, or other material terms we will update this Agreement, and either send a notice to you at the address shown in our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any more restrictive limits on the type, amount, or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable deposit agreement and disclosures given to you in connection with the account.
We reserve the right to terminate this Agreement, your access to Services, and use of Bill Payment Service, in whole or in part, at any time. We can terminate your NBC Oklahoma Online Banking privileges without notice to you if you do not pay any fee or charge required in this Agreement when due, or if you do not comply with this Agreement.
If you do not use Services for any 90 day period, we reserve the right to discontinue your service. Any transaction history or online bill payment information will be lost if service is discontinued. If your Internet banking service is discontinued, you must contact us to have the Service reactivated.
If you wish to terminate this Agreement and your use of Services, you must contact us in writing. Written notice of service cancellation must be supplied ten (10) days prior to the actual cancellation date and must be sent to the address provided in the Your Liability section of this Agreement.
You authorize us to deduct these fees and service charges from your primary checking account designated by this Agreement. If you do not have sufficient funds in your account on the date the fee or service charge is payable, you authorize us to automatically deduct the fee or charge from one of your other accounts with the Bank.
We may assign this Agreement to an affiliate of the Bank or any successor in interest in the event of a merger, reorganization, change of control, acquisition or sale of all or substantially all assets of the business to which this Agreement is related without the other party's prior written consent.
By clicking AGREE at the bottom of this page, you acknowledge your acceptance of the CheckFree Consumer Bill Payment Terms and Conditions.
1. Limits. Mobile Deposits are limited in amount to $1,000.00 per day.
2. Eligible items. You hereby agree that you will only scan and deposit a check(s) as that term is defined in Federal Reserve Board Regulation CC ("Reg CC"). You agree that the image of the check that is transmitted to Bank (each such check and other item a "Check" and, if more than one, "Checks") shall be deemed an"item" within the meaning of Article 4 of the Uniform Commercial Code (1990 Official Text). You further agree that you will not use the Service to deposit any Checks or other items that: (a) are payable to any person or entity other than yourself, (b) are prohibited by Bank's then current Procedures pertaining to the Service or are in violation of any law, rule or regulation, (c) you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Checks are drawn, (d) have not been previously endorsed by a bank and are either "substitute checks" (as defined in Reg CC or other applicable federal law or regulation) or "image replacement documents" that purport to be substitute checks, without Bank's prior written consent, (e) are drawn on financial institutions that are located outside of the United States or Territories of the United States, and (f) are not acceptable to Bank for deposit into a deposit account as provided in the Deposit Agreement, which is incorporated herein by reference and made a part hereof (Checks described in clauses (a) through (f) each a "Prohibited Check" and, collectively, "Prohibited Checks"). If you deposit a Prohibited Check, you agree to indemnify and reimburse Bank for, and hold Bank harmless from and against, any and all losses, costs and expenses (including reasonable attorneys fees) Bank may incur associated with any warranty, indemnity or other claim related thereto. Furthermore, if, after first having obtained Bank's written consent to do so, you provide Bank with an electronic representation of a substitute Check for deposit into an Account instead of an original Check, you agree to indemnify and reimburse Bank for, and hold Bank harmless from and against, any and all losses, costs and expenses (including reasonable attorneys fees) Bank incurs because any such substitute Check resulting from such electronic representation does not meet applicable substitute Check standards and/or causes duplicate payments.
3. Requirements. You understand you must, and hereby agree to, at your sole cost and expense, use a mobile device that meets all technical requirements for the proper delivery of the Service and that fulfills your obligation to obtain and maintain secure access to the Internet. You understand and agree you may also incur, and shall pay, any and all expenses related to the use of the Service, including, but not limited to, telephone service or Internet service charges. You are solely responsible for the payment of any and all costs and expenses associated with meeting and maintaining all technical requirements and additional items necessary for the proper use of the Service. You understand and agree that you are solely responsible for the operation, maintenance and updating of all equipment, software and services used in connection with the Service and the cost thereof, and you hereby agree that you will perform, or cause to be performed, all vendor recommended maintenance, repairs, upgrades and replacements. Bank is not responsible for, and you hereby release Bank from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using electronic mail or the Internet. Bank is not responsible for, and you hereby release Bank from, any and all claims or damages resulting from, or related to, defects in or malfunctions of your computer hardware or software, or failures of or interruptions in any electrical, telephone or Internet services. Bank hereby advises you, and you hereby agree to scan its computer hardware and software on a regular basis using a reliable computer virus detection product in order to detect and remove computer viruses.
Endorsements must be made on the back of the check within 1½ inches from the top edge, although we may accept endorsements outside this space. Your endorsement must include your signature and your account number and "FOR MOBILE DEPOSIT." Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.
4. Security Interest. You grant Bank a security interest in all of your Accounts or other deposits (whether general or special) at the Bank, and in all funds in such Accounts or other deposits, to secure your obligations to Bank under this Addendum. This security interest will survive termination of this Addendum.
5. Receipt of Deposit. All images processed for deposit through Mobile Deposit will be treated as "deposits" under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, the deposit will be in pending status. Deposit accept/fail status can be confirmed by viewing the Deposit History screen. A pending status does not mean that the image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against, us.
We shall have no liability to you for the rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any image that we do not receive.
Following receipt, we may process the image by preparing a "substitute check" or clearing the item as an image.
6. Original checks. After you have verified that we have received and posted your deposit, you must securely store the original check for 15 days after transmission to us and make the original check accessible to us at our request. Upon our request from time to time, you will deliver to us within 2 business days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check.
You agree that you will never present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.
7. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is Provisional. As used herein, "Provisional" means that the credit is made to your Account subject to final payment of the Checks and subject to the terms of the Account Agreement. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you.
9. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You agree to comply with all existing and future operating procedures used by Bank for processing of transactions. You further agree to comply with, and be bound by, all applicable state or federal laws, rules, regulations, orders, guidelines, operating circulars and pronouncements, affecting checks and drafts, including, but not limited to, all rules and procedural guidelines established by the Board of Governors of the Federal Reserve and the Electronic Check Clearing House Organization ("ECCHO" and any other clearinghouse or other organization in which Bank is a member or to which rules Bank has agreed to be bound. These procedures, rules, and regulations (collectively the "Rules") and laws are incorporated herein by reference. In the event of conflict between the terms of this Addendum and the Rules, the Rules will control.
10. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs or by mailing the original check to: NBC Oklahoma, PO Box 21000 Oklahoma City, OK 73156. You hereby acknowledge and agree that we shall not be liable to you for any loss or damage of any nature you sustain as the result of your inability to use the Service.
11. Funds Availability. Mobile Deposits received before 3 PM Central Time on a business day will be considered deposited on that day. Deposits received after 3 PM Central Time and deposits received on holidays or days that are not our business days will be considered deposited on the next business day. Funds from mobile deposits will be available to you within two business days from the date we provide you provisional credit for the Mobile Deposit.
12. Business Days. Our business days are every day except Saturdays, Sundays and federal holidays.
13. Mobile Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone at 800-590-2580 if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Addendum.
14. Your Responsibility. You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if Mobile Deposit is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us.
In addition you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners, inclusive of, but not limited to, Fiserv, Inc. retain all rights, title and interests in and to the Services, Software and Development made available to you.
15. Accountholder's Indemnification Obligation. You understand and agree that you are required to indemnify us and hold us harmless, including our affiliates, officers, employees, and agents against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorney's fees and expenses arising from your use of the Services and/or breach of this Addendum. You understand and agree that this paragraph shall survive the termination of this Addendum.
You understand and agree that you are required to indemnify our technology partners, including but not limited to Fiserv, and hold harmless Fiserv, its affiliates, officers, employees and agents, from and against any third party claims, suits, proceedings, actions or demands, including to claims of another financial institution, business entity or governmental authority, and all losses, liabilities, damages, fines, penalties, costs and expenses, including court costs and reasonable attorney fees and expenses, arising from such claims, to the extent such claim is related to FI or End User's use of the Services, Fiserv Applications, unless such claim directly results from an action or omission made by Fiserv in bad faith. You understand and agree that this paragraph shall survive the termination of this Addendum.
17. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF ANY REMOTE BANKING SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT AS OTHERWISE REQUIRED BY LAW. ANY PROVISION IN THIS ADDENDUM, ANY OTHER AGREEMENT OR THE RULES TO THE CONTRARY NOTWITHSTANDING, BANK SHALL ONLY BE LIABLE FOR DAMAGES SOLELY AND PROXIMATELY CAUSED BY ITS GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, AND BANK'S AGGREGATE LIABILITY SHALL IN NO EVENT EXCEED ONE THOUSAND DOLLARS.
18. Amendments. Bank may amend the terms of this Addendum at any time, in its sole discretion, by giving notice to you. If required by this Addendum or by applicable law, notice will be given for the applicable required number of days in advance of each such amendment. Your continued use of the Service shall constitute your agreement to such amendments. No amendments requested by you shall be effective unless received, and agreed to in writing, by Bank.


text:
Purdue Pharma’s 2010 release of a version of OxyContin formulated to deter abuse wound up fueling the spread of hepatitis C virus (HCV) as people with opioid use disorder sought alternatives to misusing prescription painkillers.
In their past research, researchers at RAND Corporation established that the 2010 OxyContin reformulation, which made the pill difficult to crush or dissolve, led some people taking the painkillers for nonmedical reasons to adopt injecting heroin as an alternative. The result was a rise in heroin overdoses.

industry_corpus2: Biopharmaceuticals


text:
June 21, 1768, part of Deerfield established as district of Shelburne.
Aur. 23, 1775, the district made a town by general act.
Feb. 19, 1781, part annexed to Conway.
Mar. 19, 1793, certain common lands between Shelburne and North River annexed.

industry_corpus2: Others


text:
We act for employers and employees, workers and self-employed contractors on all aspects of the employment or other working relationship. We draft and advise on contracts of employment and service agreements as well as work place policies and procedures.
We provide quick, practical advice when things go wrong.
The most well-intentioned employers can be caught unawares. Employment disputes can have very substantial financial consequences. They cause rumours and damage the organisation’s morale. Employees, too, can need skilled legal help in making decisions as to how to react to some work situations, and to obtain proper compensation where they have been wronged.
Hunters’ employment team gives detached, focused and practical advice. We care about our clients, strong or weak, employers or employees, and provide objectivity and practicality for them, whilst being sensitive to their needs.


text:
HCE’s Sales team understand the importance of speed and efficiency when it comes to the supply of equipment, especially when you are in need of a replacement item. Through building strong relationships with our suppliers we are able to ensure we take all things into consideration, make informed choices, and deliver the best product to suit your needs. We understand that each customer will have their own individual set of requirements and, whether your priority is to have the most green and economical piece of equipment or if budget is your priority, we will ensure the best items are suggested for your operation.
HCE’s experienced Project Sales team are here to ensure your vision becomes your reality. With the latest BIM technology and careful eyes, they will ensure everything down to the finest detail is covered. We understand that budget is often a key influence when specifying your kitchen and with this in mind we will always ensure the best of care is taken to specify the most suitable, economic and practical solution, with a careful eye on the environment. Having the latest BIM technology our CAD team are now able to offer an extra service which enables us to create a fully rendered visual tour of your kitchen.
HCE’s Project Management team understand that the key to managing your project well is ensuring the right people are there to do the job for you. We are proud to say that we have a capable, pro-active and personable team whose sole purpose is to manage and ensure that every project, no matter how big or small, runs to programme and is delivered with integrity, knowledge and experience. On securing a project, an internal project management plan meeting is held to openly review all aspects of the works due to be carried out which is attended by all relevant members of the HCE team. This allows a firm knowledge base to be formed between all; Our motto being “One Team One Goal”.
We also understand that sometimes things don’t always go to plan, and factors out of your control can affect the programme of works. In these times, excellent levels of open communication are paramount. Whatever the news we will keep you fully informed. This combination of knowledge, communication, and professionalism are the key factors which have raised HCE’s Project Management team to being ranked top 5 in the country.
Our fully qualified in-house installation engineers are fully equipped to manage the installation of your kitchen. Together with our Service Technicians we have all aspects of your kitchen covered and backed up by our friendly support team.
We pride ourselves in our aftercare capabilities, and are able to offer comprehensive planned preventative maintenance programmes which will ensure the smooth running of your new kitchen for many years to come.
We also know that when something goes wrong, reducing downtime is essential to your operation. Each one of our engineers has a fully equipped van carrying a stock of universal spares enabling us to get you up and running in most cases with minimum disruption to your kitchen.
HCE realise that regular maintenance of your catering equipment is essential to the smooth running of your operation. We can offer the services of our dedicated, trained and qualified Engineers to visit your site(s), dependant on how many covers you serve, up to 4 times per year.
When equipment fails, we have the systems in place to ensure that HCE can help you get back up and running with the minimum of down-time. We offer both new and existing customers a 24 hour On-Call service and our fully trained and qualified Technicians are available to react to your emergencies as they arrive.
Our Engineers hold a vast array of universal parts in stock on their vans to try to fix your problem on the first visit but you may require further parts to complete the repair. With our open-book pricing structure we provide a full quote for your repair which we always ask you to authorise prior to us carrying out the works.

industry_corpus2: Real Estate & Construction


text:
This is me (Nitesh Kumar Luharuka).
I am an Independent Information Technology Professional and Consultant. I work on a variety of technologies and domains including Microsoft technologies, PhP, Open Source technolgoies etc.
I hold a Microsoft Certification for WinForms using C# and a Microsoft Certified Professional Developer. I am also a MindCracker (C# Corner) MVP. I also run the Community Group C# Corner Kolkata Chapter. I also speak at regular community events. In case you want me to speak at your event, drop me a line!
I am an enthusiastic person and love to debug problems and solve them. I also love writing articles related to my researches or new findings in my spare time. This blog is all about my findings while I work on day-to day basis. Also, I like to work on newly launched software and provide feedback regarding the same to the community.
Few technologies that I work on..
If you want to contact me for any advice/suggestion/help, drop me a line here.

industry_corpus2: Computing & Telecommunications


text:
The fluorination of expanded graphite sheets using polytetrafluoroethylene (PTFE) Ar plasma sputtering was investigated. The graphite sheet was exposed to Ar plasma between two PTFE sheets. The content of fluorine and oxygen at the graphite surface was correlated as a function of plasma treatment power and temperature with the nature of water wettability and surface potential (SP). The fluorine content increased with increasing power and temperature, resulting in increased hydrophobic nature. Water wettability and the electrical nature of the front of the sheet in contact with Ar plasma differed greatly from those on the back of the sheet: the front was more hydrophobic when power was changed, but more hydrophilic when temperature was changed. The SP value for the front became negative, nearly independent of power and temperature. The back still exhibited a positive SP value, the same as an untreated sheet.
Effects of a diamond-like carbon (DLC) interlayer on the interfacial microstructure and adherence between diamond film and a silicon nitride substrate were investigated. The substrate was pretreated in a strong acid solution, followed by ultrasonic microflawing pretreatment. DLC was found to be deposited into etched micropores and to form a uniform film for 2h by rf plasma CVD using CH4-H2 reactant gas. Diamond film was then coated subsequently by microwave plasma CVD using CO-H2 reactant gas. Fine-grained diamond was nucleated onto microflawed DLC film by first-stage CVD for 1h, and diamond film 35μm thick was prepared by second-stage CVD for 29h. Milling tests of the coated specimen using Al-20wt% Si alloy as the work material exhibited higher adherence and longer tool life than the diamond-coated specimen without the DLC interlayer.
By using rapid-quenched amorphous alloy ribbons and electro- and electroless-deposited films, we plan to develop novel composite magnetic materials. For this purpose, we form magnetic CoP alloy films electroless-deposited on rapid-quenched Fe-based amorphous ribbons. Optimum conditions for film formation are determined using electrochemical polarization. The present study focuses on catalysis effects, the influence of amorphous ribbon surfaces (wheel and free sides), and the composition of amorphous ribbons on properties. The crystallinity of resultant films is evaluated by XRD and SEM.
The effects of phosphorus codeposition on internal stress and occluded hydrogen in electroless plated palladium-phosphorus alloy films were investigated.
Phosphorus contents in alloy films were proportional to the 0.2 power of sodium hypophosphite concentration. Tensile stress and occluded hydrogen decreased with an increase in the phosphorus content in alloy films. The decrease of tensile stress in alloy films with phosphorus codeposition was found to inhibit the matching of the palladium crystal with phosphorus.
CuInSe2 was electrodeposited on a Ti substrate from an acidic solution with Cu, In, and Se ions. Cu-Se codeposition started below 0.1V and CuInSe2 was detected below -0.5V. H2 gas evolved under -0.8V. The morphology of CuInSe2 showed a dendritic structure due to the effect of Se0 to Se2- reduction. Deposits formed at -0.5V were p-type semiconductor because cathode currents for deposits in sulphic solutions increased by light irradiation, and the photocurrent for deposits after heat treatment increased greatly.
For the development of electroluminescence devices made from anodic oxide films on aluminum, Eu ions were implanted into a barrier film, and red electroluminescence from Eu3+ was observed during film reanodization.
Red electroluminescence from specimens without surface pretreatment occurred at about 100V and its intensity raised with increasing of voltage. It also continued for several minutes with a weak current density of 0.03mA·cm-2 at a constant voltage of 350V.
Luminescence intensity was influenced by surface conditions, so electroluminescence from specimens without surface pretreatment was 7 times stronger than with electropolishing. Electroluminescence intensity was thus considered to be influenced by flaws in the film.
The characteristics of photoelectron emission (PE) from copper abraded in organic liquids such as alcohols, aromatics, ether, ketone, and ester have been investigated. PE was measured by varying the wavelength of incident light at several temperatures between 25 and 300°C, which were successively changed in two round cycles of elevating and lowering temperatures. PE intensity depended greatly on the measurement temperature. The maximum PE appearing at 250°C in the temperature-elevation of the first cycle, also, depended markedly on the organic liquids used. The order of the maximum PE value for organic liquids was explained as corresponding significantly with that of the acid base interaction of the organic liquid and abraded surface.

industry_corpus2: Manufacturing


text: 1Not available with special financing, lease and some other offers. See dealer for details. 2Disclosure: *Prices shown on this site may include rebates and other discounts which are not compatible with alternative financing options, dealer not responsible for unintentional typographical errors or computer system errors. Please contact us for full details on all offers. Tax, title, license and dealer fees (unless itemized above) are extra. Not available with special finance or lease offers. 3Disclosure: *Prices shown on this site may include rebates and other discounts which are not compatible with alternative financing options, dealer not responsible for unintentional typographical errors or computer system errors. Please contact us for full details on all offers. Tax, title, license and dealer fees (unless itemized above) are extra. Not available with special finance or lease offers. 4Disclosure: *Prices shown on this site may include rebates and other discounts which are not compatible with alternative financing options, dealer not responsible for unintentional typographical errors or computer system errors. Please contact us for full details on all offers. Tax, title, license and dealer fees (unless itemized above) are extra. Not available with special finance or lease offers. 5Not available with special financing, lease and some other offers. See dealer for details. 6Monthly payment is $13.89 for every $1,000 you finance. Example down payment: 8.5%. Must finance with GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 4/30/2019. See dealer for details.

industry_corpus2: Finance & Economics


text:
Join the Chester River Chorale!
Our mission is to provide opportunity, education, and inspiration for amateur singers to strive for artistic excellence. We entertain diverse audiences and enrich the cultural life of the community.
The Chester River Chorale is a vibrant all-volunteer, 90-voice community chorus in its 20th season of performing a wide variety of choral music in the Kent County community. Under the leadership of inspiring choral director and experienced professional singer Douglas D. Cox, the Chorale presents several concerts each holiday season and spring.
As a non-auditioned community choir, our members range from those with graduate-level music degrees and professional music experience to singers who do not read music. Members range in age from teenagers to octogenarians and come together through a love of singing, learning new music, and expanding their musical skills. If you love to sing, join us!
The Chorale's repertoire features classical masterworks and other sacred and contemporary music, including Broadway show tunes, spirituals, folk, pop and contemporary classical. The annual concert schedule includes A Chester River Holiday, a spring concert, and Independence Forever! to kick off the annual Chestertown Tea Party Festival. The Chorale has also performed with the National Music Festival Symphony Orchestra for five seasons.
The Chorale is a nonprofit 501(c)(3) organization.
Join the Chester River Chorale's chamber ensembles - the Chester Chamber Singers and River Voices - for a joyful celebration of spring, love, and music.
Sunday, May 12, 4 p.m.
The Chester River Chorale is a 501(c)(3) nonprofit organization funded in part by an operating grant from the Maryland State Arts Council, an agency dedicated to cultivating a vibrant cultural community where the arts thrive. Support is also provided by our Presenting Sponsor, Yerkes Construction, and by the Kent County Arts Council, the Artistic Insights Fund of the Mid-Shore Community Foundation, and our generous patrons, merchant advertisers and audiences.
© 2019 Chester River Chorale.

industry_corpus2: Subject Education


text: Its a great time to buy real estate in Queens Cove and our site is a great place to begin your search. With the recent boom in Queens Cove sales you can be assured that you have the best tools available for your search. Queens Cove real estate is hot and now is the time to act. Have a great time searching for your next Queens Cove home!


text:
Probably later C12 in origin, most of the church is C14 with a C15 tower. The windows were almost all replaced in the C19. The Royal Arms of 1598 are the oldest in Sussex.
Built as a chapel for Cliffe in South Malling parish, the dedication demonstrates the link to Canterbury through Malling Deanery. Assuming it is original, it suggests the chapel was founded in the late C12, when the dedication was most frequently used, though there is no written record before 1320 (2 p157) and it is not known when it became parochial.
A blocked west lancet in the narrower north aisle, set in thicker walling and hidden outside by a later buttress, shows that the church had at least one aisle in the C13 and by the later north west window is what appears to be the jamb of a window or doorway, which is probably of the same date. The short chancel may keep the dimensions and even some walling of its putative C12 predecessor, for there was a lane to the east which would have prevented it being lengthened. However, the walls are rendered or refaced, so this remains uncertain.
Following the reconstruction of the church in the C14, the plan of the western part of the church is almost square. The arcades are the best evidence of the rebuilding, with octagonal piers and heads with two hollow chamfers. The north one was clearly rebuilt then, though there is nothing to show whether there had been an earlier south aisle, for in the present one nothing is older than a C14 piscina (see below). The related trefoiled clerestory openings, placed above the piers, date from the same time. They open into the aisles after these were heightened. Beneath later plaster, the nave roof-timbers are C14, though the braces are boxed in. Either then or in the C15 a rood-stair was built, of which the upper entrance remains above the north arcade. It is placed, unusually, a bay to the west of the chancel, suggesting the sanctuary was extended into the nave to overcome the liturgical problems caused by the short chancel.
The late C15 tower, of flint and stone in an irregular chequered pattern, has diagonal buttresses and a four-centred west doorway with foliage in the spandrels. Though renewed like the others, the panelled tracery of the west window is accurate – the weathered head-stops may be original. The two-light square-headed bell-openings, though renewed c1980 (vidi), and the low tiled cap resemble those in the Burrell Collection drawing (1793); however, this shows battlements, not the present plain parapet. The tall tower arch has heavy semi-octagonal responds and a double-chamfered head. Conceivably the aisles were also heightened in the late C15, for the roof timbers look to be of this date. However, this more usually happened after the Reformation when galleries were inserted and the south aisle is known to have been altered in 1752. This was probably the work of J Daw, who died that year (SAC 142 p109), especially as his family firm donated a marble font (long gone) shortly afterwards. Colin Brent (p209) notes the uncompromisingly central position of the porch, as approved in C18 notions of symmetry, and dates it to this time. Its exceptional height, as evident on Horsfield’s drawing (Lewes I p288) and the gothic detail (recalling that of Daw’s St Michael) also support this dating. The apparently old roof-timbers were possibly re-used, whilst the present panelled tracery is certainly C19 for the Sharpe Collection drawing (1803-04?) shows them blocked, including the east window.
In 1807, very soon after the completion of the Sharpe drawing, the church was was said to have become ruinous except for the tower (Brent: Georgian Lewes p151) and the church was remodelled as a rectangular preaching house, as was then preferred. This entailed incorporating the chancel in the main structure. Almost certainly at this time, to facilitate the new plan, the chancel arch was removed and though the nave-arcades were retained, they were filled with galleries, if indeed this had not happened at least on the south side in the 1752 alterations. Unusually, two of the dormers on the north side which provided light for these survived the C19, though they do not open into the church. As a consequence of this work, both arcades were seriously damaged, as the C19 repairs show.
Philip Currey‘s restoration began in 1877 (WSRO Ep II/17/188), though the glass in the south aisle of 1867 (B 25 p230) suggests there was earlier work which could have included alterations to the south porch. A report of Currey’s restoration in Building News in 1877 (33 p446) stated an intention to match the north aisle windows to those of the south aisle. The latter are definitely C19, so this supports the supposition of earlier C19 work. In addition to repairs to the interior stonework, including a new chancel arch, Currey refaced all except the tower in dark flint and if it had not already been done, reduced the height of the aisles. According to the same report, renewal of the chancel roof was planned, though as it is all now boarded, the age of the timbers cannot be ascertained. Further work in 1884 included the removal of a west gallery. The vestry north of the chancel dates originally from the C19, but was extended in 1930 (Meads).
The surroundings of the church, especially on the north side, had become untidy by the 1960s. However, more recent rebuilding has created an attactive brick-paved square on that side, combined with a new church hall, revealing the north side properly for the first time.
Font: C19, with a castellated top and arcading on the bowl.
1. (South east aisle, first window) W Wailes, 1867 (B 25 p230). Cheerfully old fashioned for the date.
2. (West window) J Powell and Sons, 1897 (CDG 55 p86), to commemorate Queen Victoria’s Diamond Jubilee with appropriate heraldry. The designer was F Mann (Hadley list).
3. (East window) Heaton, Butler and Bayne, c1885 (www.stainedglassrecords.org retrieved on 11/3/2013).
5. (South aisle, second window) Heaton, Butler and Bayne, 1911 (ibid).
Monument: (East wall of north aisle) Susannah Bull (erected by her father John) (d1794) by W Rogerson (Roscoe p1052).
Painting: Ascension, probably Flemish and C17, presented to the church in 1779 by a London art dealer, B van der Gucht.(Mitchell/Shell Guide p140).
1. (South aisle) Trefoil-headed C14.
2. (South chancel) C14, cinquefoiled with a shelf.
Pulpit: Timber, 1877 (BN 33 p446).
Recess: (North chancel and set very low) Shallow with a cinquefoiled head. Probably C14, but its purpose is uncertain since it seems too shallow to have been an aumbry.
Reredos: 1888 of oak. Designed by T Garratt and made by H Hems of Exeter (BN 54 p828).
1. (South aisle) Queen Elizabeth I (dated 1598). A painted plaster panel with the arms within columns. It is a rare survival, the only such in Sussex.
2. (Beneath last) George I. A painted panel with more elaborate supporters than usual.
Squint: (South respond of chancel arch) Large and probably C14 with a central shaft at each end. On the chancel side the head is ogee-shaped.
Stoup: (By south doorway) C14 trefoil-headed.
Measured plan by W H Godfrey (?) in 2. p156 .


text: Bioengineering master’s degree in 2002. Full-time freelance translator since 2014. Technical and literary translations (accredited by Flanders Literature and the Nederlands Letterenfonds, several books published).


text:
South African political parties will march to the Constitutional Court in support of a secret ballot in a parliamentary vote of no confidence in President Jacob Zuma, the opposition parties said Friday.
At a press briefing here, nine opposition parties made a joint statement about the march. Later this month, Zuma faces a no-confidence vote in parliament.
"We the leaders of political parties...are united behind the call for Members of Parliament to be allowed to decide, by secret ballot, whether President Jacob Zuma must vacate office or not," said the United Democratic Movement (UDM) President Bantu Holomisa while reading the statement.
Democratic Alliance (DA) leader Mmusi Maimane called on the African National Congress (ANC) to join their position on the vote of no confidence in Zuma.

industry_corpus2: Politics & Administration


text:
This story sounded like a lot of fun and has a pretty unique premise. Unfortunately the execution wasn’t really for me. The humor wasn’t my thing. I found most if it a bit over the top and I found the side characters annoying. There were also a lot of stereotypes and I know that kind of stuff doesn’t bother a lot of readers but it does me. Lot’s of things just didn’t set well with me.
The writing overall was technically fine and the plot had some interesting characters. This is the type of book I most hate reviewing. The books that I don’t really care for but ones I think many others might enjoy. These are super hard for me to writes reviews on. You should check out some other reviews before making a decision.
I liked this cover done by L.C. Chase. I think it’s perfect for the story.
This entry was posted in Book Reviews, Books, Contemporary fiction, Dreamspinner Press, eBooks, LGBTQ Book Reviews, M/M Book Reviews, M/M Contemporary Fiction, M/M Fiction, m/m holiday stories, M/M Romance, Uncategorized and tagged An Ali Release Day Review: The Boyfriend Cruise (Pride of the Caribbean #1) by Deanna Wadsworth, author Deanna Wadsworth, m/m holiday romance, The Boyfriend Cruise (Pride of the Caribbean #1) by Deanna Wadsworth.

industry_corpus2: Literature & Emotions


text:
Read more about Single File? No chance!
Read more about Feeling Sorry For Himself?


text:
A dramatic lighting scheme was developed for the store which incorporated the urban industrial aesthetic into the designs, and included feature lighting to certain areas.
into developed bespoke metal-halide track spotlights with barn door accessories to embody the industrial chic of the interior design. The lamps provide good light levels to merchandise with little glare. The track lighting system is offset with linear lighting details and feature pendants to key areas.
The developed bespoke lighting fits with the aesthetic and also allows for maximum flexibility along the track. Barn door accessories can be adapted for use with key merchandise displays and ensure low-glare lighting.


text:
It now appears that the US Government has had to pay $425,000 in legal fees and costs to the St Louis Art Museum (Jenna Greence, "Feds Lose Fight Over Ancient Mummy Mask", National Law Journal October 21, 2014).
The mask was purchased for $499,000 in 1998.
"The Mask of Ka-Nefer-Nefer was a fascinating case that ultimately showed the extent to which the government unfortunately overreached in an attempt to literally take an artifact from the Saint Louis Art Museum using a lawsuit the court said was ‘completely devoid of any facts’ supporting their claims,” McInerney of Dentons said. “Credit really belongs to the art museum and its leadership for not caving in to the government's threats and, after winning the case, for compelling the government to pay the cost of defending a lawsuit that never should have been filed."
When did curators at SLAM become aware that the mask was linked with Saqqara?
Did curators at SLAM contact the Egyptian SCA on learning that the mask was linked to Saqqara?
When was the personal name of Ka-Nefer-Nefer removed from the hand on the mask?

industry_corpus2: Law & Justice


text: This STOMP Out Bullying™ Tumbler goes where you go! Double-wall foam insulation will keep your cold beverages cold and your hot beverages hot, no matter the weather. Stainless Steel. Twist-on thumb-slide lid. Holds 14oz.


text:
AR Rahman and Gulzar are once again collaborating, this time for the official song of the Odisha Hockey Men's World Cup, Bhubaneswar 2018.
BHUBANESWAR: With an aim to make Odisha Hockey Men's World Cup a unique and memorable one Odisha government has roped in two musical legends for the official world cup son.
The magical bonding of Oscar winning music composer A R Rahman and lyricist Gulzar will mesmerise the audience by composing the official song of the Odisha Hockey Men's World Cup to be held in Bhubaneswar on November 28. The song will have pulsating rhythm and the magic of poetry of Gulzar.
Expressing his happiness over this Chief minister Naveen Patnaik said, "We are delighted to have AR Rahman compose the song for the Odisha Hockey World Cup. It will be an honour to have him perform live in Bhubaneswar. He is the voice of India and now with this song, the voice of India is the voice of the world cup. We are also fortunate to have Gulzar Sahab add his poetic magic to the composition. Coming together of these two legends will not only inspire the players but will also get the entire nation together to support this wonderful game unfolding in Odisha at the world cup."
The song's theme is India, Odisha and purpose as being loftier than victory or defeat. The song is titled as 'Jai Hind Hind, Jai India'.
Composer and singer A R Rahman said, "Nothing says India more than our beloved sport hockey. And nothing is more exciting than the world's biggest hockey tournament happening right here, on our turf. It's heart-warming to see the entire nation pledge their heartbeats for hockey. As an extension of pledging our heartbeats, Gulzar Sahab and I have created the World Cup Song. This song will excite and inspire also get you on your feet. Join me in this celebration of hockey for not just our men in blue but the spirit of the game."
The official world cup song will be released during the inauguration of the Kalinga Stadium on October 14 and the music video for the song will be shot in hockey heartlands across the country.
Besides, the world cup song and music videos the opening ceremony will be a spectacular show. "The opening ceremony of the World Cup is going to be something very different and unique. The highpoint will be Rahman performing it live at the Opening Ceremony on November 27, his first ever performance in the state," said communication and strategy consultant for the world cup, Nupur Mahajan.
The 14th edition of the quadrennial tournament is being held for the third time that India after having organised it in 1982 in Mumbai and in 2010 in New Delhi. A total of 16 nations will take part in the tournament.

industry_corpus2: Sports


text:
1, cable channel, size selection of support cable specifications as well as the cable channel width. The SFZ - 3/540 bracket is suitable for installing three cables, and the SFZ - 2/430 bracket is suitable for placing two cables. If there are special requirements, they can be customized according to the actual situation.
2, installation environment suitable temperature range: -20 - +70 degrees.
3. The installation is suitable for the horizontal direction. If inclined, other measures are needed to secure the cable.
4, the installation requirements balance, and vertical and horizontal support bracket horizontal spacing of 80 cm, the two sides of the stent stagger installation, in order to ensure that the stent is balanced load.
5, support embedded need to ensure support base and concrete walls and fully dense, and the fixed occlusal wall to keep a right state, ensure the base force area, to avoid distortion. When laying the cable, it is suitable to take the top down laying. When dragging the cable, it should be horizontally dragged.

industry_corpus2: Health & Medicine


text:
On Monday, Orange County Mayor Teresa Jacobs kicked off the NPE 2018: The Plastics Show weeklong convention with an opening ceremony, welcoming more than 65,000 delegates globally to the Orange County Convention Center.
Orange County Commissioners Betsy VanderLey and Pete Clark, as well as Plastics Industry Association (PLASTICS) President and CEO Bill Carteaux, were also present at the ceremony. Mayor Jacobs and the County Commissioners presented a proclamation in recognition of NPE2018 to President and CEO Carteaux, PLASTICS Board Chair Wylie Royce and NPE2018 Chair Glenn Anderson.
Hosted every three years at the Orange County Convention Center, the NPE show has had an estimated economic impact of $128 million. This year’s convention brought thousands of professionals from more than 2,000 companies from over 128 countries to the Central Florida region to network with one another and get a sneak peak in plastics technology, innovation, and equipment. PLASTICS represents the third largest manufacturing industry in the United States and is the only organization that represents every segment of the plastics supply chain; this association represents more than 965,000 American workers and has been providing education and advocacy to its members since its inception in 1937.
Attendees for the event had originated from around the globe, with the largest contingencies coming from China and Latin America. The conference was estimated to have had more than 11,000 international attendees.
NPE 2018 is considered to be the largest plastics trade show and conference to date, having had more than 1.2 million net square feet of exhibit space filled with operating machinery, new product demos, exciting innovations and emerging technologies. NPE’s goal for this year was to divert 100 percent of the convention’s waste to recycling. An official “NPE2018 Mobile App” was available for attendees to download and utilize for planning their schedule during their time at the conference. Exhibits and programs were organized in such a way to provide attendees easy access to companies as well as obtain the information they needed for their businesses.
Residents who are interested in learning more about NPE2018, including what it had covered, an exhibitor directory, and show photos, the website for the conference is accessible via the following link: http://www.npe.org/.


text:
Byron Bay lighthouse. Photo: Yortw via flickr.
News from the front desk Issue 419: Byron Bay on the NSW north coast is not just an iconic holiday destination but a highly green one. It’s also a bit of a “canary”. If Byron can’t make good planning and a healthy environment stick, with its lush history of hippies and deep greens, then it’s going to be a lot harder for anyone else.
So it was instructive and maybe slightly unnerving to call in there (briefly) to chat with some locals and find t not all is well in Paradise.
In so many ways Byron is a microcosm of the increasingly uncomfortable tension between maintaining or protecting great places and sharing them with others. So yes, to be brutal, a conflict, that as populations surge, geography starts to become a stronger definer of privilege and opportunity. Especially given the irresistible pulling power of centre of activity and talent.
At Byron Bay, the early hippies came in old cars and vans, camped in tents, unrestricted by rules or regulations, lived in old fibro shacks. Some moved into the hinterland, colonising old farmlands and sleepy villages. Others bought blocks of land at Wategos Beach, where the first subdivision in the 70s would have set you back $700.
Today one long term resident of the area sold a 56 acre slice of rural paradise and fabulous house outside of Byron for $6 million and swapped it for a modest one bedroom cottage on Wategos – for around the same money.
Others property stories are even more impressive: a fisherman’s shack sold for $16 million; Chris Hemsworth’s enormous celebrity pad nearing completion and stunning the locals with its scale.
The celebrity and billionaire pulling power of the town is legendary.
But lurking beneath the glamour and natural beauty are stories of the stifling by-products of success, left unchecked.
Former long term mayor of Byron Bay Jan Barham renowned for her feisty defence of the town’s inhabitants and its green agenda says Airbnb and its forebear homestays are a scourge, robbing the town of affordable accommodation and putting enormous pressure on services and development.
At its worst, after 9/11 and the Ansett pilots’ strike when no one wanted to go on a plane, some houses had 30 occupants for the summer, she says. Locals were pushed out through noise and rowdy teenage-style behaviour.
When Barham wanted to curtail the rampant holiday letting, one owner complained his business of renting 30 houses in the town would be badly affected.
Current deputy mayor Michael Lyon agrees housing is a serious issue and says a policy to limit Airbnb rentals to 180 a year would be hard to police.
The area is swamped with 2.2 million visitors a year for a population base of 30,000m, he says. It That’s a tourist density to resident ratiothat’s probably the highest in the world, he says and it puts enormous strain on infrastructure. The state government gets a big whack of GST provided by Byron’s tourists, but gives very little back to help the town manage the impact.
The infrastructure shortfall is about $100 million, he estimates.
Locals also complain that development controls have been eroded in recent years, mainly after Barham left in 2012 when she was in state Parliament and a Greens councillor Rose Wanchap, switched sides giving conservatives the balance of power.
Lyon says the current crop of councillors has done a good job of reversing the damage done and that the council is now almost entirely on the same “green” page.
“I’m proud of the current council because even though we’ve had our differences it’s become more collegiate; it’s a good team,” Lyon says.
He says a commercial development in town, the Mercado, on the site of the old Palace Cinema, produced a good result, with 5 star Green Star, high energy efficiency, and a development more modest than it might otherwise have been. And it’s kept out fast food chains such as McDonalds and KFC.
Another controversial development is West Byron on the entrance to the town from the freeway that could house up to 1000 dwellings after dual occupancy. Lyon says 2o0-300 dwellings are more appropriate.
The site wasd first owned by developer Terry Agnew who is understood to have first bought out Crighton Holdings and, according to a media report in 2017 is now in partnership with Gold Coast developer Villa World Ltd.
Another big issue is the conflict between the owners of expensive property on the ocean front facing rising sea levels and the council’s policy of planned retreat, which encourages development to move away from the shore rather than try to outbuild the tide – so to speak – with sea walls and raised houses.
One such recent battle was won on behalf of planned retreat and against three property owners at Byron’s Belongil Beach in the NSW Land and Environment Court in a 21 December decision by Justice Brian Preston.
Lyon says there will be “a number of battles” about planned retreat.”A problem, he says, is the pressure that well-heeled and well connected owners are placing on state government to allow them to protect their property.
He suspects it’s the reason council’s coastal zone management plan submitted under old legislation to the Department of Planning has not been ratified.
Barham is delighted with Justice Preston’s decision.
She’s read the judgment several times and says it’s a work of beauty. A sweet irony perhaps is that Preston represented Club Med years ago when it wanted to build a huge development at Byron, and lost.
When we called she was part way going through her archive of materials on local politics and activism stuffed into a double garage and which she’s recently dived into for a documentary on the area by Sharon Shostak.
The thing that people don’t understand, Barham says, is that between the 50s and the 70s there were around 30 cyclones that pummelled Byron Bay.
It’s the kind of thing that newer residents or property owners who don’t live there might easily not know.
During her term on the Byron Shire Council Barham did her best to make people aware of the environmental needs of the area they lived in. She had a long stint in council, starting in 1999 as councillor, ending in 2012 after she was elected to the NSW Legislative Council and when the state government brought in laws to prevent dual membership of state parliament and local councils.
Council did not allow development in areas considered at risk.
But decisions made under the previous council influence were now coming home to roost. She thinks the current mayor Simon Richardson is more inclined to mediate outcomes with developers.
At the same time “some of the country’s richest people” moved to the area and were not going to let the council tell them what to do, she says. This combined with the NSW Labor government’s Part 3A reforms that allowed the state government to override local government on big developments.
“The funny thing is that I just found some old late 80s and early 90s articles in local media about greenies who just want to take away the rights to your land and all this environmentalism will send everyone to the poorhouse.
“What we did by protecting those areas was to make this the most valuable real estate outside Australian capital cities.
These days a lot of people have been worn down, she says. But the recent rise of the hard right climate deniers in the US and Australia had shaken people awake. The students strike late last year is part of an awakening that has energised people.
But campaigning for the environment can come at a personal cost.
In state Parliament when Barham’s put forward a climate change bill she had to endure comments from then environment minister Mark Speakman, now Attorney General, that she wanted everyone to become a vegetarian.
It was nothing of the sort, “it was a governance bill that government must report and have climate change action plans across all agencies”.
Barham also faced death threats and a constant rumour mill, but the counter for that she says was to simply go out and mix more with community groups.
She’s a big fan of “slow democracy”. “More consultation, take more time, gather more evidence. I’ve always been very conscious to be science-based and was very grounded in really strong principles that on a personal level I was doing the right thing.
“I always felt the community had my back and this is where people get confused about what politics is: it’s never about you; you are representing the community and their children and their children’s children. It’s about the future.
It doesn’t mean you have to please all the people all the time, either.
“People can wear an outcome that goes against them if the process has been fair. I’ve had people who would accept if something they were personally attached to didn’t go their way but knew that for everything else we did it was always in the best interests of the community.
How does Barham reconcile the tension between the green agenda that protects the environment and people and a social equity agenda that could reasonably argue that the best places could be more equitably shared?
For instance, Philip Bull in this Spinifex contribution, says strong zoning tends to entrench social and economic privilege, attracting and enabling the most talented and well-heeled to prosper and excluding others.
Those tensions between the haves and the have-nots of a beautiful environment?
“There’s a tension because it’s a fact, Barham says.
“There is a carrying capacity. Look what’s happened with the fish kill [at Menindee]. Water is deprived from the ecosystem because there is a commercial priority given to the cotton farmers.
But at Byron strong protection of the environment means you can be offered $16 million for your property. But if you love the area it might be theoretical.
This is only half the site – there is a DA for the other half of W Byron for over 300 dwellings. Added to that are the inevitable dual occupancies and granny flats and it creeps up to close to 1000 dwellngs – equal to a 20% increase in Byron Bay’s housing stock and population. On a wetland area that will be drained into Belongil Creek that is part of Cape Byron Marine Park and which contains a koala habitat corridor and is home to 2 listed threatened frog species. Added to that it is on Ewingsdale rd, the main road into town which is so congested at peak hour and in holiday season it takes up to 30m to travel the 8 kms from the highway into town.
Thank-you Jan Barham for representing the locals during your stint as Mayor. What an amazing woman and leader.

industry_corpus2: Travel & Geography


text:
MSI Brand - 1L pH 10.01 Blue Buffer Solution Poly Bottle [ Each].
MSI 1L pH 10.01 Blue Buffer Solution MSI Brand - 1L pH 10.01 Blue Buffer Solution Poly Bottle [ Each]. Product #: MSI B2281-1L $ Midland Scientific, Inc.

industry_corpus2: Petrochemicals


text:
“These times are pretty good for lab workers who want to get into management,” says Robert Neri, executive vice president of the Clinical Laboratory Management Association.
This is good news for staff medical technologists (MTs) who are ready to rise above those endless racks of test tubes but don’t want to leave this promising field. The need for talented supervisors and managers should also encourage those who have only begun to consider a career in the clinical laboratory.
Management opportunities for clinical lab workers haven’t always been plentiful.
Lab workers who do move up the ladder sometimes have an edge in their educational background, and usually have enough clinical experience to demonstrate above-average technical and communication skills. In all but large city labs, experience is generally more important than an advanced degree.
To move up in a laboratory, it’s critical to have a mentor, ideally the boss you work with every day. And a mentor relationship is just as important once you’ve landed a supervisory job. “Most of the experience that the individual will get will come from their direct supervisor,” Cabral says.
Still, education helps, especially if the desired title is “manager,” not “supervisor.” But advanced formal training often isn’t easy to come by.
“Unfortunately, in today’s typical hospital, the continuing-ed budget – if you have one at all – is on the skids,” says Neri. Shrinking insurance reimbursements are frequently blamed for the dearth of employer financial support for advanced formal training.
“Lab workers now often aren’t willing to go to seminars, because they may have to give of their own time and money,” says Linda Jones, administrative laboratory manager at Triad Clinical Laboratory in Winston-Salem, North Carolina, and a member of the board of trustees of the American Medical Technologists Institute for Education.
So when applying for work with a particular employer, candidates should ask questions about what tuition assistance is available, and whether the lab can be flexible enough to schedule shifts around classes.
As a senior manager, Jones’s day-to-day duties bear little resemblance to the down-and-dirty bench work of the lab technician or technologist. Jones considers purchases of new equipment, monitors compliance, directs proficiency testing and conducts staff meetings, among many other activities.
All supervisory and managerial positions require people skills, organizational savvy and deep technical know-how. Those in higher-level managerial positions must also understand elements of finance, human resources management and other advanced business skills.
Lab supervisors, especially managers, are able to earn substantially more than technicians and technologists.
Medical laboratory technicians make a national median salary of about $37,300, while medical technologists, who often get their feet wet in management by supervising technicians, are posting median salaries of about $53,000, according to Salary.com.
A high-level supervisor, by contrast, earns about $79,000. At top university hospitals in major cities, salaries for managers of multiple labs can push six figures.
But supervisory duties don’t always trump technical expertise in terms of earning power. While a low-level supervisor can expect to earn about $55,000, a cytotechnologist is likely to bring in more than $58,000.


text:
“O” Illuminating,”O” Shining,”O” Cheering and Daring.
“O” The centre of Learning ,Reading and Writing.
“O” The centre of Laborious ,Innvotive and Hardworking.
“O” The centre of Sincerity, Honesty and Simplicity.
“O” Your statehood is scattered between Mighty states.
“O” It is well known that a “state is a organized form of violence”.
“O” That is why your resistance is repulsed heavily by a mighty state.
“O” Your three wings within sub-state Legislature, Executive and Judiciary.
“O” Yes, are plagued by Corruption, Nepotism and Favoritism.
“O” Extreme Greed and money minting has superseded all morals.
“O” The Souls and Hearts of Common Kashmiris are Crying and Broken.
“O” A sizable Population of yours has turned Fujaar.
“O” That is why are being ruled by Kufaar.
“O” Come come the Responsible’s of Islam.
“O” Sift and Purify this section of Ummah.
“O” Your Serene waters ,Flowering meadows,Snow clad mountains and Lush green valleys.
Will overcome the Shadow,Darkness and Cruelty of time.
The author is practicing advocate at J&K High Court, Chamber No 104,and can be reached at advbasharat @ yahoo.in.


text:
An opportunity for couples to focus together on issues in their relationship.
Any couple in a committed relationship. Sometimes one partner attends alone to begin with and later the other one may join in.
The attention and skill of a trained counsellor who will hear each of you without taking sides.
Help to increase understanding of and respect for each other.
Emphasis on working towards resolving difficulties.
An opportunity to recognise and build on existent strengths.
A commitment to the counselling process.
Willingness to reflect on issues between sessions.
When clients are committed to the therapeutic process, it can help you to make decisions and choices which, in turn, enable your relationship to develop and flourish.
Fees are on a sliding scale and will be calculated on household income. There are a limited number of bursary places available for those on benefits.


text:
The discovery and use of antibiotics are two of the most significant breakthroughs in twentieth-century medicine—leading to dramatic reductions in human morbidity and mortality. Antibiotics and other antimicrobial agents are also used extensively in agriculture. Typically livestock is given antibiotics to encourage growth and prevent illness, thereby increasing the amount of food produced. There are multiple classes of antibiotics, categorized based on their mechanism of action. Antibiotics can damage the cell wall of a bacterium, block DNA, RNA, or protein synthesis, or even inhibit the metabolic growth of bacteria. Some antibiotics are specific to certain species of bacteria (narrow-spectrum), whereas others can affect a wide range of bacteria (wide-spectrum).
One emerging problem with antibiotics is the development of antibiotic-resistant bacteria. Bacteria can acquire antibiotic resistance genes (ARGs) over time due to selective pressure. Excessive antibiotic use can lead to the development of spontaneous ARGs in certain strains. As these strains grow and expand, different antibiotics have to be developed to combat them. Ultimately, the current strategy is to prevent over-use of antibiotics, thereby limiting the exposure of bacteria to these agents and minimizing selective pressures. For human patients, over-use can result from incorrect dosing, over- or misprescribing, or improper disposal. Critically, antibiotic use in agriculture can also contribute to bacteria developing ARGs. Not only can antibiotic-resistant bacteria develop in livestock, but manure can act as a vector to transmit antibiotic-resistant strains into the environment via soil, water, and produce. Thus, antibiotic-resistant bacteria can be spread widely, and recent efforts have focused on identifying ARGs and tracking their prevalence in a variety of environments and sample types.
There are currently nearly 400 types of ARGs that have been identified to confer resistance to the hundreds of available antibiotics. Consequently, monitoring human and environmental samples for ARGs requires the ability to perform high-throughput real-time PCR (qPCR) screens for many different target sequences in numerous sample types. Further, because bacteria are constantly developing new ARGs, it is critical to be able to modify and add new targets to the screen. Thus, ARG research requires a flexible, high-throughput qPCR system to monitor gene expression in a wide range of sample types.
The SmartChip Real-Time PCR System has been used in numerous studies for profiling and tracking ARGs in a variety of samples. Initially, high-throughput screens were performed using panels of 296 targets, which supported the ability to screen up to 16 soil samples per chip. In recent years, the panels have evolved to contain 384 targets, as well as being run on soil, water, sediment, manure, lettuce, fish, and sludge sample types. The flexibility and throughput of the SmartChip system have been instrumental in enabling these and future studies of the antibiotic resistome. Read below to see examples of antibiotic resistance research enabled by the SmartChip system.
Chen, Q. et al. Long-term field application of sewage sludge increases the abundance of antibiotic resistance genes in soil. Environ. Int. 92-93, 1–10 (2016).
Chen, Q.-L. et al. Application of Struvite Alters the Antibiotic Resistome in Soil, Rhizosphere, and Phyllosphere. Environ. Sci. Technol. 51, 8149–8157 (2017).
Karkman, A. et al. High-throughput quantification of antibiotic resistance genes from an urban wastewater treatment plant. FEMS Microbiol. Ecol. 92, fiw014 (2016).
Lin, W., Zhang, M., Zhang, S. & Yu, X. Can chlorination co-select antibiotic-resistance genes? Chemosphere 156, 412–419 (2016).
Lu, X.-M., Li, W.-F. & Li, C.-B. Characterization and quantification of antibiotic resistance genes in manure of piglets and adult pigs fed on different diets. Environ. Pollut. 229, 102–110 (2017).
Muurinen, J. et al. Influence of Manure Application on the Environmental Resistome under Finnish Agricultural Practice with Restricted Antibiotic Use. Environ. Sci. Technol. 51, 5989–5999 (2017).
Muziasari, W. I. et al. Aquaculture changes the profile of antibiotic resistance and mobile genetic element associated genes in Baltic Sea sediments. FEMS Microbiol. Ecol. 92, fiw052 (2016).
Muziasari, W. I. et al. The Resistome of Farmed Fish Feces Contributes to the Enrichment of Antibiotic Resistance Genes in Sediments below Baltic Sea Fish Farms. Front. Microbiol. 7, 2137 (2017).
Ouyang, W.-Y., Huang, F.-Y., Zhao, Y., Li, H. & Su, J.-Q. Increased levels of antibiotic resistance in urban stream of Jiulongjiang River, China. Appl. Microbiol. Biotechnol. 99, 5697–707 (2015).
Stedtfeld, R. D., Stedtfeld, T. M., Fader, K. A., et al. TCDD influences reservoir of antibiotic resistance genes in murine gut microbiome. FEMS Microbiol. Ecol. 93, (2017).
Stedtfeld, R. D., Stedtfeld, T. M., Waseem, H., et al. Isothermal assay targeting class 1 integrase gene for environmental surveillance of antibiotic resistance markers. J. Environ. Manage. 198, 213–220 (2017).
Su, J.-Q. et al. Antibiotic resistome and its association with bacterial communities during sewage sludge composting. Environ. Sci. Technol. 49, 7356–63 (2015).
Tang, M. et al. Abundance and distribution of antibiotic resistance genes in a full-scale anaerobic-aerobic system alternately treating ribostamycin, spiramycin and paromomycin production wastewater. Environ. Geochem. Health (2017).
Wang, F. et al. Influence of Soil Characteristics and Proximity to Antarctic Research Stations on Abundance of Antibiotic Resistance Genes in Soils. Environ. Sci. Technol. 50, 12621–12629 (2016).
Wang, F.-H. et al. High throughput profiling of antibiotic resistance genes in urban park soils with reclaimed water irrigation. Environ. Sci. Technol. 48, 9079–85 (2014).
Wang, H. et al. The antibiotic resistome of swine manure is significantly altered by association with the Musca domestica larvae gut microbiome. ISME J. 11, 100–111 (2017).
Xie, W.-Y., McGrath, S. P., et al. Long-Term Impact of Field Applications of Sewage Sludge on Soil Antibiotic Resistome. Environ. Sci. Technol. 50, 12602–12611 (2016).
Xie, W.-Y., Yang, X.-P., et al. Changes in antibiotic concentrations and antibiotic resistome during commercial composting of animal manures. Environ. Pollut. 219, 182–190 (2016).
Zheng, J. et al. High-throughput profiling and analysis of antibiotic resistance genes in East Tiaoxi River, China. Environ. Pollut. 230, 648–654 (2017).
Zhu, B., Chen, Q., Chen, S. & Zhu, Y.-G. Does organically produced lettuce harbor higher abundance of antibiotic resistance genes than conventionally produced? Environ. Int. 98, 152–159 (2017).
Zhu, Y.-G. et al. Continental-scale pollution of estuaries with antibiotic resistance genes. Nat. Microbiol. 2, 16270 (2017).

industry_corpus2: Agriculture & Fisheries


text: Data from the Taiwan Stock Exchange identify the originator of each submitted order, and there are no designated dealers or specialists. We study marketable order imbalances, i.e., the net order flow resulting from trades that demand immediacy. We distinguish imbalances by trader type (individuals, domestic institutions, foreign institutions) and by the usual size of each trader’s order. Day-to-day persistence in order imbalance is strongest for small foreign institutions and weakest for large individual traders. Such persistence emanates both from splitting orders over time and from herding, and there is little evidence that aggregate price pressures from such persistence last beyond a trading day, indicating that de facto market-making is quite effective. We attempt to discern which types of traders are de facto liquidity-providers, which are likely to be informed, and which trade for liquidity reasons. The evidence indicates that all trader classes are successful market-makers, large domestic institutions conduct the most informed trades, and large individuals are noise or liquidity traders.


text:
Bill Heaberlin age 69 of Slater, passed away on January 18, 2019, at Mary Greeley Medical Center in Ames.
A private service will be held at a later date. Funeral arrangements are under the direction of the Soderstrum Funeral Home and online condolences may be left for the family at www.adamssoderstrum.com.
Bill grew up in Pleasantville, Iowa. He graduated from North Polk High School in Alleman, Iowa, and had retired from Danfoss in Ames, Iowa.
Those preceding him in death include his son, Dan, his parents and father-in-law.
His wife, Sheila, sons Joe and Willie and grandsons Tanner and Darin join his siblings Pat, David and Toni in thanking everyone for all their compassion and care during this difficult time.
To send flowers or a remembrance gift to the family of William "Bill" Heaberlin, please visit our Tribute Store.
"Email Address" would like to share the life celebration of William "Bill" Heaberlin. Click on the "link" to go to share a favorite memory or leave a condolence message for the family.