text:
A former CVS employee in western New York State could spend 20 years in prison and be subject to a $250,000 fine for his blatant theft of $2.5 million worth of diabetic test strips, authorities say.
Antonio Rivera, 35, of Williamsville, N.Y., was charged on Friday with theft of pre-retail medical products; trafficking in stolen pre-retail medical products; conspiracy to sell and distribute stolen pre-retail medical products; and wire fraud, the U.S. Attorney’s office of the Western District of New York announced.
Since February 2007, Rivera had worked as a senior assistant purchasing associate for CVS Pharmacy, assistant U.S. Attorney Melissa Marangola said in the statement. His job entailed ordering “a variety of retail products sold by CVS, including diabetic test strips,” the statement said.
Last summer the Humboldt CVS in Rochester was red-flagged with an unusual volume of diabetic test strip purchases, and Rivera’s alleged caper unraveled from there.
Allegedly Rivera ordered the extra strips, intercepted the shipments and sold the loot to third-party purchasers. His transactions were all recorded in his bank statements.
With more than 30 million Americans having Type 1 and Type 2 diabetes, and with boxes costing $100 for 100 strips, there is a huge market for buying and selling the strips, The New York Times reported last month.
While reselling unused diabetic test strips is legal, stealing them isn’t.


text:
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industry_corpus2: Transportation


text:
Our new president Donald Trump has planned to build a massive wall on the borders of the U.S and Mexico.
This wall is being built for a few reasons, but mainly to keep the immigrants from illegally moving across the U.S-Mexico border. Many people born in Mexico have decided that life in America would be better, so some of them get permission and sign papers to become a U.S citizen. The other people though, go across the border illegally which is easy for them to do since there is not much border control. This wall is designed to keep the immigrants out of the country and to make them legally go into the U.S.
These immigrants may not seem like much of a problem, but they are taking many jobs away from many U.S citizens causing the legal citizens to lose their jobs and not be able to make money. The country also is less safe because no one knows if bombs or weapons are being smuggled across the border.
This wall would cost a ton of money, time, and resources to build. Other than the wall, Trump wants to have immigrant holding places. Which are shelters that all the illegal immigrants end up going to so they can get checked. If they are good to stay, they are allowed in America, but if they are not good to stay they would be forced to move out of the country. Trump also wants cities to have more power on wether or not they can force immigrants to leave or stay.
Trump has not ended one program that allows anyone who is brought into America as a child is allowed to stay and have a job. This is known as D.A.C.A. or Deferred Action for Childhood Arrivals program. Would this be a good idea to keep the country safe and how can it reflect on future generations.

industry_corpus2: Politics & Administration


text:
A long, shallow, protected harbour with lots of beaches.
This harbour was named by the explorer Champlain in 1604. He must have seen many beautiful places on his travels in Nova Scotia but choose to call this one Port Joli (Pretty).
It is well deserving of the name. The harbour is ringed by small white sandy beaches that offer easy landing and invite lounging, swimming or strolling from beach to beach. In between the beaches are marsh grass flats and at the head of the bay is the Port Joli Migratory Sanctuary, feeding grounds for Canada geese and other waterfowl.

industry_corpus2: Travel & Geography


text:
In Oxygen 18.1 responsive webhelp I want to organize the tiles in a different order than they appear in the actual TOC. Is there a way to have tiles appear in the homepage, but turn them off in the TOC that appears once you click a tile?
The tiles order in the main page is the same with the order of the first level topics from the ditamap.
Therefore, the easiest way to have another tiles order is to reorganize the ditamap and put the first level topics in the order you may need.
If you want to have the tiles appearing in the homepage, but you need to hide the side TOC when a topic is opened, you should edit the transformation scenario (DITA Map to WebHelp Responsive) and set the webhelp.show.side.toc parameter to no.
What if I want a tile to appear for a topic in the homepage, but not be present in the TOC. Is that possible?
That's a DITA feature, not Webhelp specific.
Yes, but if I do that the tile will not appear on the homepage. I want the tile to appear on the homepage, but I do not want the title to display in the TOC once you click the tile.
If you want to modify the side TOC and exclude the top level entry (first topic) you need to develop an WebHelp customization.

industry_corpus2: Computing & Telecommunications


text:
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industry_corpus2: Manufacturing


text: Georgia Southern University, "Newsroom" (2019). Newsroom. 1629.

industry_corpus2: Subject Education


text:
Below are some of our improvements to help make your products even better in 2015!
Installed two Italian steam peelers. New pinch bed technology, better peel recovery, and fruit character.
Implemented defined sorting. First – color, second – skins, third – material other than tomatoes, fourth – character.
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Added flume outside to increase the ability to sort fruit for the perfect peelers.
Installing roto screens to reduce and remove any material other than tomatoes from the in feed.
Purchased and installed a new six pocket piston filler to improve filling accuracy and line efficiency.
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Researching new steam peelers to allow 100% production if needed.
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Installed two new cold fill fruit bowl lines. All plastics are now 100% cold fill technology.
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Improved consolidation line to caser on cold fill 2 and 3.
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Raw peach and pear sorter being individually serviced to increase sizing consistency.
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Consume more protein, fiber, vitamin A, calcium, potassium, and less fat.

industry_corpus2: Agriculture & Fisheries


text:
Who Wants Tickets To See A.A. Bondy at Newton Barge Park!?
Brooklyn band using a Brooklyn based director. Keep it the neighborhood, folks.

industry_corpus2: Film & Entertainment


text:
Psychology is the study of the individual, in all its glorious complexity. This complexity is found in all the features that make each person unique, for instance, our complex brain and elaborate emotional system. To attempt to discuss the full range of human intricacy is far beyond the scope of this book. In fact, discussion of the abstract and infinite ways psychology impacts our lives could fill countless libraries.
The goal of this book is to reduce such complexity. This is accomplished by first looking to the world of business–a world filled with concrete goals, defined processes, and recognizable structures designed to work together to produce a successful outcome. Commonly used business practices familiar to many in today’s workforce are presented as effective tools for managing the daily requirement and conflicts of married life.

industry_corpus2: Health & Medicine


text: The Mercurey vineyards surround the village and face south or east-north-east. The composition of the soil makes Mercurey quite similar to wines from the Côte de Beaune. There are several highly regarded Premiers Crus. Mercurey is a deeply colored, very soft wine that is medium bodied and fruity yet rich, straightforward in character, and intended for youthful consumption.


text:
Citation to accompany the award of the Silver Star to Master Sergeant Paul L. Jenkins.
Master Sergeant Paul L. Jenkins distinguished himself by gallantry in connection with military operations against an opposing armed force in Southeast Asia on 30 June 1970. On that date, Sergeant Jenkins, an HH-53C Pararescue/Recovery Technician, twice penetrated an area of known hostile concentration in a valiant effort to rescue an injured American pilot. Undaunted, after being repelled during the first attempt, and with complete disregard for his personal safety, Sergeant Jenkins elected to make a second attempt. As the helicopter positioned itself near the downed airman, it sustained severe battle damage resulting in an uncontrollable fire. Despite the hazards involved, Sergeant Jenkins bravely returned the hostile fire, and continued firing in an effort to save the life of his fellowman. By his gallantry and devotion to duty, in the dedication of his service to his country, Sergeant Jenkins has reflected great credit upon himself and the United States Air Force.

industry_corpus2: Aerospace


text:
Australia’s banking market is relatively concentrated by international standards. The share of banking assets owned by the four largest banks in Australia is higher than equivalent shares in most other jurisdictions.1 Concentration has increased since the global financial crisis (GFC), with the major banks’ share of total ADI assets increasing from 65.4 per cent in September 2007 to 78.5 per cent in March 2014.2 However, it is not unusual for concentration to increase following a financial crisis or economic downturn.
Since the GFC, the major banks have benefited from better access to funds and lower funding costs than their competitors, allowing them to grow faster.
Some submissions, particularly those from smaller ADIs and non-bank lenders, propose that increased concentration has led to less competition. They point to the robust returns on equity earned by the major banks as an indicator of excessive profitability. However, the major banks argue there is adequate competition, pointing to low net interest margins and returns on equity around international norms.
On balance, the Inquiry considers the banking sector is competitive, reflecting a number of indicators.
Further, bank lending fee income, non-deposit fee income and deposit fee income as a percentage of assets have all fallen since 2000.11 Fees paid by households have declined in absolute terms since 2010, with that decline largely driven by decreases in account servicing fees and transaction fees. However, fee income from businesses has increased, mainly due to an increase in account servicing fees and the volume of loans. Merchant service fees have also increased, although these have grown by only 13 per cent since 2003; whereas the value of transactions accepted has more than doubled.
Capital requirements are largely determined as a proportion of ADIs’ risk-weighted assets. Risk weights affect the extent to which a bank must fund its assets using regulatory capital (equity, preferred shares and subordinated debt), rather than potentially cheaper deposits and wholesale debt. The purpose of risk weights is to ensure the size of an ADI’s regulatory capital buffers reflects certain risks to which the ADI is exposed.
The Basel Committee on Banking Supervision (BCBS) sets minimum capital standards for banks. APRA enforces these minimum standards in Australia. The first of the Basel accords, known as Basel I, established standardised asset risk weights for calculating capital requirements, which applied to all ADIs in Australia. The Basel II framework allowed banks to seek regulatory approval to determine risk weights using IRB models that reflect their actual loss experiences. IRB modelling incentivises ADIs to improve their risk management practices by requiring less regulatory capital for lower-risk assets.
The four major banks and Macquarie Bank have had their internal risk models accredited by APRA. Other ADIs are not accredited, mainly because of the current standing of their risk management systems and the costs involved in developing internal models. Instead, they rely on standardised risk weights.
The banking sector is competitive, albeit concentrated. The application of capital requirements is not competitively neutral. Banks that use IRB risk weights have lower risk weights for mortgage lending than smaller ADIs that use standardised risk weights, giving the IRB banks a cost advantage.
In early 2014, the average risk weight for housing lending under the IRB approach was 18 per cent, as compared to 39 per cent under the standardised approach.
All else being equal, an ADI using the standardised approach would have to charge 23 basis points more than an IRB bank to achieve the same return on equity for a mortgage.
IRB and standardised risk weights cover credit, market and operational risk. IRB banks are subject to additional requirements for interest rate risk in the banking book, whereas standardised ADIs are not. This means that direct comparisons between IRB and standardised risk weights overstate any competitive advantage for IRB banks.
The aggregate regulatory capital requirements of an ADI should reflect its overall risk profile. Although small ADIs may benefit from detailed knowledge of their customers, they also have relatively concentrated loan books and, in the case of credit unions and building societies, limited capacity to raise new equity. They also tend to have less sophisticated risk management systems, albeit with less complex risks. These factors suggest smaller ADIs may need higher regulatory capital buffers than their larger competitors.
The Inquiry considers smaller ADIs most likely face a disadvantage due to the differences between standardised risk weights and risk weights determined by IRB models. However, the extent of the disadvantage would be difficult to determine and would vary between ADIs over time, depending on the riskiness of their assets.
Standardised risk weights do not provide incentives for the ADIs that use them to reduce the riskiness of their lending, as this would not reduce their risk weights. Conversely, IRB banks receive strong incentives to reduce the riskiness of their lending.
It may be possible for Government or APRA to work with smaller ADIs to help them attain IRB accreditation. Submissions indicate some non-IRB banks are actively considering how to attain IRB accreditation, but are finding this difficult. The Inquiry would welcome views on how Government or APRA may be able to assist with this.
Another option could be to increase the risk weights for IRB banks. This could involve setting a minimum risk weight for mortgages determined by IRB models, or indirectly determined by setting or increasing floors for key parameters in IRB models. For example, for stability reasons, APRA already requires that IRB banks assume a 20 per cent ‘loss given default’ rate for their mortgage book, even when their models produce a lower rate. Increasing the risk weights for IRB mortgages could increase stability and competition, and incentivise more lending away from housing; although, it could also increase costs for IRB banks and may therefore reduce efficiency.
In its submission, APRA notes that risk weight floors have been introduced in Sweden and Hong Kong, and the BCBS is investigating measures, such as floors and benchmarks, to limit risk weight variability while retaining appropriate risk sensitivity. However, the prospective introduction of floors and analysis by the BCBS is driven primarily by stability rather than competition concerns, and is not limited to mortgage lending.
Other suggested options would have trade-offs between stability and competition. They would also be inconsistent with Australia’s commitment to the Basel framework, and so may risk the international reputation of Australia’s banking system.
It may be possible to develop a tiered system of standardised risk weights that incorporates some components of IRB models. Such a system could potentially be more accurate than standardised risk weights, while less burdensome than IRB modelling. The Inquiry welcomes views on how such an option could be implemented.
A number of submissions propose APRA should lower standardised risk weights for mortgages.14 This option would have several drawbacks. It could lower the incentive to improve risk management models and further incentivise non-IRB ADIs to undertake mortgage lending, rather than business or personal lending. This option could also increase risk, which could increase funding costs.
A final option would be to allow smaller ADIs to adopt IRB for residential mortgages only, rather than for all asset classes. This would likely only benefit mid-tier ADIs that have the capacity to model their own mortgage risk weights. This option could also reduce stability, as the IRB accreditation process is designed to ensure ADIs manage their entire loan book effectively – and this would be lost.
How could Government or APRA assist smaller ADIs to attain IRB accreditation?
A number of submissions argue that large banks receive an additional funding advantage, as they are perceived as too-big-to-fail.15 The Stability chapter explores this in more detail. In short, creditors may believe that, in times of crisis, the Government will provide taxpayer support to banks whose disorderly failure could damage other parts of the economy. Thus, creditors may be willing to lend to these banks at a reduced rate.
During the GFC, the RMBS market became dislocated and the cost of RMBS as a funding source for mortgage lenders increased. This disproportionately affected smaller ADIs and non-bank lenders, which rely more heavily on these markets for funding, and compounded the wholesale funding cost advantage that the larger banks already had. The introduction of the Financial Claims Scheme (FCS), which protects retail bank deposits up to $250,000, also affected non-bank lenders, who could not benefit from it.
*CUBS = Credit unions and building societies.
Further, smaller ADIs have relied more on deposit funding since the GFC, which has become relatively more expensive as all ADIs have shifted towards deposit funding and away from short-term debt.21 This has further reduced the competitive position of smaller ADIs.
It is not clear if changes in the RMBS market, and the associated deterioration in the competitive position of smaller ADIs and non-bank lenders, relate to an ongoing market failure. For example, the increase in RMBS spreads likely relates to a correction in the price of RMBS to reflect risk, rather than any ongoing issues with the market.
Other proposals that submissions raise include charging the major banks to ameliorate the funding disadvantage, or to explicitly guarantee all ADIs. The Inquiry does not consider that there is a case for options of this nature. Charging for a perceived funding advantage may strengthen the perception of Government support. Explicitly guaranteeing all ADIs would create significant moral hazard, expose taxpayers to very large contingent liabilities and put non-bank lenders at a competitive disadvantage.
Before recommending such interventions, the Inquiry would need to be convinced of a clear market or regulatory failure in the RMBS market. Although Government support may have been appropriate during the crisis, the recent market recovery weakens the case for further intervention. All options, to varying degrees, would create contingent liabilities for taxpayers. The options may also require the Government to intervene in the market to ensure lending standards and could potentially create moral hazard.
Other proposals involve changes to regulatory arrangements governing ADI issuance and investment in RMBS. Some submissions suggest RMBS be treated as a high-quality liquid asset for the purpose of the liquidity coverage ratio. This would encourage major banks to purchase RMBS from smaller ADIs and non-bank lenders, as it could be a cheaper way of meeting these requirements than holding Commonwealth Government Securities or paying the fee for the committed liquidity facility. At present, RMBS holdings are only eligible as collateral for the RBA’s committed liquidity facility.
Approximately 50 per cent of small businesses rely on bank loans to fund their businesses.22 Small businesses do not have access to the alternative funding channels available to larger corporations, such as debt market funding. This makes them more dependent on bank credit.
Individuals can access unsecured loans through a number of means, including personal loans and some credit cards. Individuals relying on loans from these sources may not have access to cheaper sources of financing.
During the GFC, the spreads between lending rates and the cash rate increased for all loans. However, spreads for SME and personal lending increased by more than spreads for mortgages and corporate loans (Chart 2.2), which largely increased in line with banks’ funding costs.23 Terms of lending also tightened. This has generated concerns about the strength of competition in the SME and personal lending sectors.
*Spreads for small business loans are for residentially secured small business loans.
However, the increase in SME and personal lending spreads reflects, at least in part, a re-evaluation of risk in these lending categories and a general increase in the price of risk. As SME and personal lending is more risky than mortgage and corporate lending, it follows that their spreads increased by a greater margin.25, 26 It is not clear if any of the increase in spreads was due to reduced competition.
The Inquiry would welcome views on whether there is evidence that spreads in SME and personal lending reflect reduced competition.
Most policy suggestions relate to how the SME lending market operates, rather than the level of competition. The Funding chapter discusses options that may improve the funding environment for SMEs.
Some submissions suggest expanding comprehensive credit reporting (CCR). CCR was introduced in March 2014 to enable market participants to share consumers’ repayment histories. CCR expands on the previous credit reporting regime, where market participants could only share negative credit events, such as a default. The shift from a negative to a positive credit reporting system has the potential to promote competition by enabling credit providers to more accurately assess the credit worthiness of borrowers, and to compete for customers by offering risk-based pricing.
However, CCR is voluntary and the Inquiry understands that, to date, none of the major banks have participated. This is likely because the cost of sharing their information with competitors is greater than the benefit of gaining access to other competitors’ databases. Some submissions propose making CCR mandatory, which may improve the value of CCR for smaller lenders.
Some submissions also suggest increasing the number of fields reported to include additional information, such as outstanding account balances. This could further address information asymmetries in the credit assessment processes and enable risk assessment at a more granular level. These benefits would need to be balanced against privacy concerns, as well as the upfront investments credit providers make in establishing customer relationships.
Another option could be to extend credit reporting to SMEs. This may have the potential to improve SME credit risk assessments and improve SME access to funding.
Is there evidence that spreads in SME and personal lending reflect reduced competition?
Competition relies on consumers being able to compare the value of different products. Since the Wallis Inquiry, technology has enabled the growth of online aggregators and price comparison websites that better enable consumers to compare value. In the banking sector, aggregators have focused on mortgages, term deposits and savings accounts.
However, there is little gain in improving the capacity of consumers to compare the value of products if there are impediments to switching between products. The Government and industry have reduced switching costs for banking products since the Wallis Inquiry, and a number of industry trends will further lower costs in the future.
Some product terms can reduce the functionality of aggregators. For example, account aggregators enable consumers to view several bank accounts through one interface and identify alternative banking products that may offer superior value. However, where a consumer permits an aggregator to access their account, this may constitute a breach of the account terms and conditions. Consequently, the consumer may have invalidated protections they would otherwise have been afforded in cases of fraud or stolen funds.
Some submissions argue that the Government should go further and introduce full account portability. The New Payments Platform industry initiative facilitated by the Australian Payments Clearing Association and RBA may assist in this regard. One of the platform’s build requirements is for consumers to be able to attach a unique address, such as their mobile phone number or email address, to their bank account. Implementation of this addressing system will begin in 2016.29 Direct debits and credits could then be made to addresses, rather than underlying bank account numbers, which would allow a consumer to change accounts without switching address. In addition, consumers with multiple accounts would be able to use multiple addresses. Such a system could also work for new banking products that do not use bank account numbers.
However, the introduction of the new platform would not connect existing direct debits and credits to consumers’ addresses. This means the benefits would accrue over time, as consumers roll over their direct debits and credits and attach them to their address.
Steps have also been taken to improve switching for mortgages. The Government banned exit fees for mortgages in 2011. Industry initiatives, such as e-conveyancing, are also likely to reduce switching costs. Future initiatives could further assist, including a national e-mortgage regime, standardised mortgage discharge forms and timelines, and improved online identity verification processes, as discussed in the Technology chapter.
In 1990, the then Government introduced a ‘six pillars’ policy whereby the four major banks and two major life insurers were prevented from merging with one another. This has since evolved into the ‘four pillars’ policy maintained today, which applies to the four major banks.
The policy arguably assists with both competition and stability. For competition, it ensures that the banking sector does not become overly concentrated, which could materially lessen competition. For stability, if larger and more systemically important banks fail, they tend to be more difficult to resolve in an orderly fashion, so four pillars may assist by limiting the size of Australia’s largest banks.
In its final report, the Wallis Inquiry recommended abolishing the (then) six pillars policy. It argued that general competition law was sufficient to address competition issues in the banking sector. This reflected the Wallis Inquiry’s philosophy that competition in the financial sector should be treated no differently to other sectors of the economy. The Wallis Inquiry also saw little stability benefit, given the major banks were already very large.
Successive governments have maintained the four pillars policy. The Inquiry views this as appropriate and does not plan to recommend changes. The banking sector is already concentrated; further significant concentration has the potential to limit competitive pressure in the market and reduce the choices available to Australian individuals and firms. Although general competition law may prevent a merger between the major banks, the Inquiry sees merit in retaining the four pillars policy.
The major banks have increased concentration and integration in the banking sector through acquiring other banks and integrating with mortgage brokers. Mortgage brokers enable consumers to compare the value of different banking products better, including mortgages, personal loans and term deposits. The major banks have also integrated horizontally and vertically into other sectors of the financial system, including wealth management and insurance.
Some submissions argue that the increasing concentration and integration of the major banks is harming competition. They submit the major banks can cross-subsidise products to drive out competitors in some markets. Submissions also argue that the major banks’ market power has led to oligopolistic competition and higher prices for consumers.
The major banks have market power across a range of markets. However, it is not clear they are abusing this power. The ACCC has taken relatively little action against the major banks in recent years. The Inquiry would welcome views on the level and exercise of market power across the various markets in which the major banks operate.
Vertical integration of mortgage broking may create conflicts of interest, which could hamper competition. Mortgage brokers can improve competition by enabling smaller players to access a broader range of consumers than their standard distribution networks would allow. However, vertical integration may have the potential to distort the way in which mortgage brokers direct borrowers to lenders. The extent of this issue is not clear. The Inquiry welcomes views on this issue.
Is integration in the banking sector causing competition issues?
Is vertical integration distorting the way in which mortgage brokers direct borrowers to lenders?
If so, what would be the best way to limit the adverse impacts?
Lenders mortgage insurance (LMI) protects a lender against default by a borrower, if there is a shortfall after realising the security. Lenders use LMI to make loans to borrowers with low deposits (usually where the loan-to-valuation ratio (LVR) is greater than 80 per cent) or without a regular earnings record, such as the self-employed. About one-quarter of new mortgage loans are covered by LMI,30 which is generally paid by the borrower.
Under Basel I, lenders were able to apply a lower risk weight to loans with a high LVR or to non-standard loans if they were covered by LMI. This incentive does not exist under Basel II for IRB banks, as APRA’s floor of 20 per cent for the loss given default on residential mortgages means that the risk weight is the same, whether or not the mortgage is covered by LMI.
Some submissions argue that, under these policy settings, the major banks will reduce or stop their use of LMI, as they can carry the default risk themselves and have no capital incentive. They state the LMI industry may not be viable as the market size reduces and major banks accept lower-risk, high-LVR loans, leaving higher-risk loans in the LMI pool. This may in turn reduce access to mortgage lending for those with low deposits or the self-employed. It could also increase the major banks’ competitive advantage over RMBS issuers and smaller ADIs that seek the risk protection of LMI.
There could be stability implications. In its submission, APRA states that the 20 per cent loss given default floor for housing lending has been set until IRB banks develop appropriate methodologies and estimates for a downturn period.
Decreasing risk weights for insured loans may affect the competitive situation between IRB banks and smaller lenders.
1 International Monetary Fund (IMF) 2012, ‘Australia:Addressing Systemic Risk through Higher Loss Absorbency—Technical Note’, IMF Country Report no. 12/311, IMF, Washington DC, page 7.
2 Australian Prudential Regulation Authority (APRA) 2014, Quarterly Authorised Deposit-taking Institution Performance Statistics, APRA, Sydney, March 2014. Note: this statistic captures all assets held by ADIs, not only assets associated with borrowing and lending.
3 Australian Competition and Consumer Commission (ACCC) 2008, Public Competition Assessment: Commonwealth Bank of Australia – proposed acquisition of Bankwest and St Andrew’s Australia, ACCC, 10 December.
4 Australian Competition and Consumer Commission (ACCC) 2008, Public Competition Assessment: Westpac Banking Corporation – proposed acquisition of St George Bank Limited, ACCC, 13 August.
5 Reserve Bank of Australia 2014, First round submission to the Financial System Inquiry.
6 World Bank 2013, Financial Development and Structure Dataset, World Bank, Washington DC, November.
7 Australian Prudential Regulation Authority (APRA) 2014, Quarterly Authorised Deposit-taking Institution Performance Statistics, APRA, Sydney, March 2014. Note: this return on equity statistic includes returns on all ADI activities, not only borrowing and lending.
8 Reserve Bank of Australia 2014, First round submission to the Financial System Inquiry.
9 Roy Morgan Research 2014, State of the Nation: Report 18, April.
10 Based on review of Canstar website on 20 June 2014.
11 Craig, A 2014, Banking Fees in Australia, Reserve Bank of Australia, Sydney.
12 Australian Prudential Regulation Authority 2014, First round submission to the Financial System Inquiry.
13 Reserve Bank of Australia (RBA) 2014, Chart Pack: The Australian Economy and Financial Markets, June, Sydney, page 29, viewed 20 June 2014.
14 For example, the Regional Banks’ submission to the Financial System Inquiry on behalf of Bank of Queensland, Bendigo and Adelaide Bank, ME Bank and Suncorp Bank proposes lowering standardised risk weights for mortgages to 20 per cent.
15 Submissions to the Financial System Inquiry include those by the Customer Owned Banking Association, the Regional Banks and Yellow Brick Road.
16 International examples include: Schich, S and Lindh, S 2012, ‘Implicit Guarantees for Bank Debt: Where Do We Stand’, OECD Journal: Financial Market Trends, vol 2012, issue 1, OECD; and Santos, J 2014, ‘Special Issue: Large and Complex Banks’, Federal Reserve Bank of New York Economic Policy Review, vol 20, no. 2, New York. Australian studies are scarcer, but include: International Monetary Fund (IMF) 2012, ‘Australia: Addressing Systemic Risk through Higher Loss Absorbency—Technical Note’, IMF Country Report no. 12/311, IMF, Washington.
17 Oliver Wyman 2014, Do Bond Spreads Show Evidence of Too Big To Fail Effects, April.
18 Westpac, RP Data, cited in Joye, C 2012, ‘Credit where it’s due to RMBS’, The Australian Financial Review, 2 November.
19 Australian Office of Financial Management 2013, Residential Mortgage-backed Securities, viewed 11 June 2014.
20 Reserve Bank of Australia 2014, First round submission to the Financial System Inquiry.
21 Reserve Bank of Australia (RBA) 2014, Statistical Table: Retail Deposit and Investment Rates – F4, RBA, Sydney.
22 Australian Bankers’ Association and Council of Small Business Australia 2013, Small Business: Access to Finance Report, Year to March 2013.
23 Robertson, B and Rush, A 2013, Developments in Banks' Funding Costs and Lending Rates, Reserve Bank of Australia, Sydney.
24 Reserve Bank of Australia (RBA) 2014, Statistical Table: Indicator Lending Rates – F5 and Statistical Table: Interest Rates and Yields – Money Market – Monthly – F1.1, RBA, Sydney.
25 Reserve Bank of Australia (RBA) 2014, Chart Pack: The Australian Economy and Financial Markets, June, RBA, Sydney, page 30, viewed 20 June 2014.
26 Australian Prudential Regulation Authority 2014, First round submission to the Financial System Inquiry, page 79.
27 Roy Morgan Research 2014, data provided to the Financial System Inquiry. Note: the statistic refers to the Australian population aged 18 years and over that switched their main financial institution in the 12 months before April 2014.
28 Treasury 2014, data provided to the Financial System Inquiry.
29 Australian Payments Clearing Association 2013, Real-Time Payments, Summary of RTPC Proposal to the Payments System Board, viewed 20 June 2014.
30 QBE 2014, First round submission to the Financial System Inquiry.

industry_corpus2: Finance & Economics


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Sometimes, we do not realize but the subtle behavior of your partner could indicate signs of a psychopath which you need to look out for.
Psychopaths are not good at forging long-lasting and meaningful relationships. They are usually superficial and wear a mask over their true nature. Their relationships, which may include friendships, close relationships with work colleagues are not strong.
You would notice that there are very few relationships they share except the one they share with you. You, therefore, become the center of their world and not in a good way. And this lack of relationship plays badly and affects your freedom as well.
Psychopaths are extremely good at lying and they can tell the greatest of lies with a straight face. You would not even realize that you have been lied to and they would keep continuing doing so without a care in the world.
Even when you can see that they are lying and you catch them in the act, they would find a way to justify their lies. They would conveniently shift the conversation and lie still more without a single iota of guilt.
Psychopaths are extremely good at masking their emotions and they rarely let out what they truly feel inside. They are good at hiding their thoughts and even their facial expressions which may betray their inner truths.
This also means that they are good at hiding any sort of remorse if they feel any. They are usually not blessed with a conscience which leads to the feeling of guilt and if there comes a time when they do, they know how to mask them too.
Leave it to a psychopath to play the victim card. Anything that may happen, a psychopath would be the first one to cry foul and be the first one to retaliate. They would act wounded and hurt even when you know that it is not the truth.
Further, this means that you would eventually be called the oppressor and you would be blamed for everything that goes wrong in their lives. You would be their scapegoat and their finger would immediately point towards you.
The result of their constant manipulation and lies is that you would slowly start feeling trapped in the relationship. You would feel your freedom being taken away from you and gradually a feeling of helplessness would take over you.
The more you feel trapped, the stronger their grip would become on your life and the tighter they'll push. You would wish to leave the relationship but they would play the victim card again and before you know, you are in deeper trouble already.
Psychopaths believe that they are entitled to certain privileges which, in fact, is not based on reality. They assume things that are not true and they judge people based on mere opinions. Their sense of entitlement makes them even more dangerous.
They act under the assumption that you owe them the relationship and that they are entitled to act in the crassest way possible. They would not care a jot for your individuality but do everything in their power to justify their own.
A psychopath has the urge to control everything in their life. It is their compulsion to micromanage things and keep a tight grip on those they have in their lives. It is one of the reasons why they don't have a lot of friends in the first place.
They would need to know about everything in your life, and not in a good way. They would need to know where you went, who you talked to, what you did and everything else so that they can manipulate you, control you, and dig their claws deeper into you.
A psychopath is blessed with an ego the size of the Empire States building but not as strong. Their narcissistic tendencies are not based on reality and hence their egos are fragile, to say the least. There is usually a big gap between who they think they are and who they really are.
This means that they get angry, annoyed, frustrated etc. quite easily and at the slightest provocations. They retaliate quickly and they do so dangerously. The world, for them, revolves around them and dealing with such people could be both tiresome and dangerous.


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French cheeses	There are	21 products.
Big range of french cheeses from different region.
All cheeses we deliver carefully packed in thermoboxes.
We deliver all over Prag and Czech Republic.


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Before you choose a cleaning company, do an online and offline research on the available options to find out if they have good referrals. You can go to their website and check out the services they offer. It can also help if you ask people in your area if they have a company they would recommend. Online reviews always help in deciding who to contract to do your cleaning.
Do not make the mistake of hiring a dryer vent cleaning company without getting a price quote. For most companies, the charges will depend on size of the dryer, number of dryers, whether they are used commercially, brand, among other specification. Always ask for a quotation which indicates all the services the cleaning company will provide.
It is important to know whether the person providing you with cleaning services is trained and experienced. This will not only make you feel confident when hiring them, but it will also reduce the risk of injuries. Never hire an inexperienced person to work on your dryers. They risk getting injured, and this may give you additional costs. An inexperienced person may also completely damage your dryer, forcing you to buy a new one. When confirming experience, make sure you also indicate the make of your dryer so that they can confirm whether they will be able to work on it.
Think of what would happen if your dryer gets damaged during cleaning. Is the company insured to take liability in case things go wrong? This is especially important if you are in business (like a laundry shop) or you own several dryers. You do not want to be left with damages that you cannot pay for.
Find out if your neighborhood has a vent cleaning company. Once you establish a few, compare the services they offer, and how much they charge. While comparing, ask about the tools they have, and if they do thorough and deep cleaning. You should also compare how long each cleaning session takes.
Remember that having your dryer vents regularly cleaned by a professional will ultimately save you on costs. You will be saving on the huge bill of electricity that is accrued when a dirty dryer vent is on. It also saves on the maintenance costs you may have to pay later if you leave your vents uncleaned for a long time. There have even been cases of people who were forced to buy new dryers simply because they delayed in contracting a cleaner.

industry_corpus2: Others


text: Hello my name is Angie i am a 47 year old woman from Omaha Nebraska. I like to do anything outside, long care rides to nowhere in particular, listening to good music and spending time with the ones I care about the most. I have made a few really bad decisions in my life and ended up here but I figure it is only up from here. I am doing my best each day to set my mind outside of here and living as if I am free already. I plan on making a brand new life for myself out there and I feel like meeting new GOOD people is a good start. So if you have a few minutes drop me a line or two and we can begin to get to know each other. I promise you will not be disappointed !!


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At D & K Heating Service Experts Heating & Air Conditioning in Belleville, we’ve been assisting the community since 1985 and all of our technicians and equipment installers are licensed, highly qualified and NATE-certified.
So if you should need HVAC service or repair, make sure you reach out to a certified technician. Call 613-707-2421 for D & K Heating Service Experts Heating & Air Conditioning in Belleville. We have all of the top qualifications to provide expert furnace and AC repair and service. And all of our work is 100% guaranteed for a full year!

industry_corpus2: Real Estate & Construction


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BOSTON, Massachusetts - August 2018 -- Boston Calling celebrated its fifth year (and ninth outing) the weekend of May 25-27 with a slew of fantastic performers, including Eminem, The Killers, Jack White, Queens of the Stone Age, Paramore, and St. Vincent. However, the event, which music portal Consequence of Sound has declared one of the top-ten music festivals in the country, almost didn’t happen this year.
The previous year’s event, held in a new location at the Harvard Athletic Complex, drew not only raves from the attendees but also a wave of protests from residents of the surrounding Cambridge area who complained about noise levels, a situation a number of area media outlets reported in depth. This year, though, Boston-based production company Crash Line Productions found the solution: an L-Acoustics K1/K2 system, provided by Clearwing Productions, with a system design created using L-Acoustics’ Soundvision modeling software, that kept the sound on the audience and out of the surrounding neighborhoods.
“After Boston Calling 2017, there were complaints from the surrounding area that the noise levels were too high, so we tasked Scott Sugden at L-Acoustics to help us design a PA deployment that would mitigate perimeter noise as effectively as possible while still maintaining acceptable levels and coverage for the world’s best acts and a demanding paying public,” explains Clearwing Key Accounts Executive Stephen Harvey.
He, in turn, recommended Marcus Ross, co-owner with associate Sara Even of audio consultancy Crest Factor, who would bring a battery of sound-measurement devices to bear on the problem. “I took one look at this and knew that L-Acoustics was the only workable solution, starting with Soundvision modeling,” says Ross.
He worked with site maps supplied by the event producer inside Soundvision, which determined which loudspeaker types should be used and exactly where they needed to be placed. “L-Acoustics and I worked together on the approach of the system and then I verified the design and articulated the capabilities to the producers of the festival,” he explains. What they came up with for the main Green Stage system was a combination of K1 and K2 with K1-SB flown behind the main arrays to create a cardioid behavior. The sub frequencies were handled by 32 KS28 subs also deployed in a cardioid configuration. Kara was used for out-fill and front-fill, and the delay towers were outfitted with K2 speakers.
“The distributed system design allowed us to focus the SPL towards the audience and using the rejection created by the cardioid fields combined with the polar stability of the L-Acoustics K systems concentrated the audio on the festival grounds,” says Ross. “It was very different from the single array design they had used in the past.” In addition, K2 and K1-SB boxes were deployed on the Red and Blue stages along with KS28 subs and Kara for fill boxes, while coaxial 12XT speakers were used in the VIP areas.
Soundvision’s output also provided Ross with the visual aids he needed to discuss the solution with members of the Harvard Square Neighborhood Association, which had brought the noise complaints the previous year. “They took the brunt of last year’s ‘assault,’ as they referred to it, so they were very interested in what we were going to suggest for this year,” says Ross.
Ross patrolled the areas surrounding the festival this year, checking SPL as the music played, and the containment was complete, with levels registering well below 70 dBa but without at all lessening the punch of the music within.
“L-Acoustics gave me all the tools I needed,” he says. “If the model dictated a particular loudspeaker at a specific location and angle of degree, we knew that the K1, K2 or Kara would perform exactly as it was predicted, covering what was needed to be covered and keeping the energy off of other areas. The pattern control that we achieved would not have been able to be achieved any other way. And even with 16 K1-SB and 32 KS28 subs on the main stage alone, their cardioid arrangements allowed us to produce much less off-site noise than the year before.” In fact, initial readings at a distance from the festival site that had been a problem last year didn’t even register on the meters this May. “We had to move a half-mile closer to get a usable SPL reading,” he says.
According to the news site Cambridge Day: “Feedback from my neighbors was that the sound was a tremendous improvement over last year. I was impressed,” said the association’s Nicola A. Williams, who lives off Mount Auburn Street and served as a point of contact with Boston Calling organizers.
Brian Appel, festival co-founder and principal at Crash Line Productions, agrees that the outcome of this year’s Boston Calling was “significantly better” than the year before, thanks to the ability of the K1/K2 sound system to keep the energy within the boundaries of the festival’s footprint.
For more details on this year’s Boston Calling, visit www.bostoncalling.com. Clearwing Productions can be found online at www.clearwing.com.


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Two young Chinese ladies (ZHENG Xinyi and LIU Yi) are currently teaching Chinese language and culture in Hamilton schools as Mandarin Learning Assistants for 2018. They are competent, modern and knowledgeable. On Thursday 15th November, at 7pm, they gave a very interesting and informative presentation on “Life In China Today” at Hamilton Branch Meeting. They talked about life in China through their eyes and those of their parents’ generation.
We all know the Four Great Inventions in China: The Printing Press, Paper, the Compass and Gunpowder but it was particularly interesting to hear about China’s new “4 Great Inventions”: High Speed Train, Shared Bicycles, Mobile Payment and Online Shopping. Although some were not invented by China, the scale of their use in China, the promotion speed, and continuous development are unprecedented and surpassing other countries.
The presentation combined with quizzes and games made the evening very entertaining to a most appreciative audience.


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Cozy warm, cashmere duvet comforter, lightweight and amazing warm, 200cm x 220 cm, manufactured by Gobi corporation, Mongolia. Gobi corporation uses Japanese technology to make its products.
The outside has random color or pattern.
Use your own duvet cover for the feel and style of your room.
Cashmere is the one of the worlds finest and most luxurious natural fibres.


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Say, is there any possibility you could give us some information...how hard is it? If you have a piece of quartz, Does it scratch the quartz or does the quartz scratch it? Many gem stones will scratch quartz which is very hard. For what it is worth, it looks like a diamond but the wear on the edges gives me pause.
Diamond would be unlikely due to its hexagonal shape (diamond is isometric) and as you said the wear is too much for an item as hard as diamond. But we'll definitely need some more properties to better ID this one.


text: In B.P.R.D.: The Black Flame #4, tragedy greater than anything the Bureau for Paranormal Research and Defense has ever seen drives one agent to resign, and leaves the others shaken, haunted, and angry. Liz Sherman is increasingly plagued with terrible visions, while Abe Sapien leaps back into field service, but too late to stop the massive frog exodus. The frogs know the reign of man is drawing to a close. The Black Flame is calling a godlike monster to come and claim the earth, and he knows that nothing can stop him.


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Before March, only four states had held their primaries and caucuses for the Democratic presidential nomination. But the race took off on Super Tuesday, March 1, when 12 states plus American Samoa held their contests. The pace hasn't slowed much, with four more contests between March 5 and 6, and three more on March 8. The second half of March will bring 11 more primaries and caucuses. Overall, more than half the primary contests to take place happen in March. But the number that matters most concerning who gets the nomination is the delegate count. How many delegates are at stake in March? And will this one month determine who the winner of the Democratic nomination is?
That brings March to a grand total of 2,146 Democratic delegates — nearly the total of 2,383 needed to clinch the nomination. Of course, neither nominee will have won all the March delegates. As of March 8, Sanders has earned 477 delegates (from February and early March primaries), and Clinton has 673.
The only way March could definitively determine the Democratic nominee would be if either candidate gained enough delegates to equal at least 2,383. For Sanders, that would mean gaining 1,906, more than are available in March. Same for Clinton, who needs 1,710 more delegates.
Even if one candidate performs well in March, taking a decent majority of the month's delegates, it's important to remember that 2,466 delegates remain to be won after March. That's more than half the total 4,763 delegates to be allotted. It's also important to note the demographics of the states that have voted and those yet to vote. Super Tuesday, which accounted for nearly one-third of March's delegates, featured several states with black populations much larger than in most other parts of the country; about 8 in 10 black voters supported Clinton, according to USA Today, and support among white voters was split fairly evenly between the candidates. If Clinton emerges from March with a solid delegate lead, changing demographics in the races up ahead could chip away at that lead. Or not. We just don't know.
March certainly has a lot of Democratic delegates to go around, and with elections being held at least once a week, it's easy to get swept up in state-by-state, contest-by-contest numbers. But one day, one contest, and one month cannot determine the Democratic nominee — at least, not at this point in the race.


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The process of book reviewing can sometimes seem like a production line. A new book comes out and every newspaper, magazine and website rushes to review it. But is this approach to book reviewing fundamentally flawed? In this article, Thomas Chadwick makes the argument for the time and space needed to properly read and review a book, and suggests a more complete method of reviewing.
Reading a book takes time.
It takes around a minute to read a single page of fiction. Starting at the top of the page and finishing at the bottom, passing your eye from word to word without missing out small words or skipping long, complicated-looking ones, and with absolutely no looking off into next door’s window, takes about a minute. I know this because I have just read eight separate pages from eight different books and timed how long it took me to read each. The average time taken was one minute 7.86 seconds. Only one book — The Master and Margarita by Bulgakov, with bizarrely big type — took less than a minute to read at a pacey 57.49 seconds; the longest page belonged to Anna Karenina, setting me back a full minute and 17.09 seconds. But generally, extrapolating from this small (and strangely Russian) sample, it would seem that it takes about a minute to read a page of fiction.
Armed with this fact, we can then safely calculate that it would take 439.02 minutes to read the average book (which is 388.17 pages long), equating to seven hours and eighteen minutes of fiction. Clearly, some novels can be dealt with a good deal faster: The Crying of Lot 49 could be wolfed down in a rapid two hours and 23 minutes; and of course there are those that take considerably longer than our average. Dear old Anna Karenina clocks in at a stonking seventeen hours and twenty-one minutes — or what, given time to sleep, might safely be described as one solid day’s reading.
Now, these (ahem) “scientifically proven” reading times represent the shortest possible time it could take to read every word in a work of fiction — that is, to read it from cover to cover without pausing once to look into the sky, or breaking off to visit the bathroom, eat, update your status on Facebook, etc. Even for those rare souls who do have seventeen-hour-plus windows of uninterrupted time in which to read 800-page novels, it would seem unlikely that anyone could maintain that level of sustained reading concentration without seriously damaging both their retinas and their sofa covers.
In reality then, this seven-hour average is going to be spread over several days. An hour a day might be something of a goal, half an hour might be realistic; and even if there are moments when you find yourself lying in bed, with the side light on, weeping silent tears onto the last page as the clock reads 2:04 a.m., there will also be times when a work commitment or a lengthy “personal” call from an energy supplier will see reading time slip through the cracks entirely.
That it takes a long time to read a book is no doubt painfully obvious. My point here is simply to draw attention to it again and lend support to the advocates of close reading and re-reading, and more importantly: to rethink what this means for the way we review books.
Reading a book requires space.
As twenty-first century hobbies go, the rewards of reading are just about the least immediate. Reading is not like eating a meal where all you have to do is insert bite-sized chunks of text until you are full. Instead, fiction requires the reader to absorb all those chunks into a bigger and more complex picture.
Vladimir Nabokov explains the unique pleasure of receiving your art through words by comparing the art of literature with the art of painting. When looking at a painting it is totally possible to look at brushstrokes, pigment choices, flourish, flair — but, if the viewer of a painting ever wants to see the total effect, all they need do is literally take a step back.
With fiction this is simply not possible. As Nabokov explains, “We have no physical organ (as we have the eye in regard to a painting) that takes in the whole picture.” According to him, though, this is not something to be upset about. As human beings we are blessed with a metaphysical eye: a mind which, if fed a diet of sentences, can see the whole; a brain which, if it stares at page after page of Anna Karenina, will one day join all the little dots of plot and character to a point where the book finally releases its full impact.
Taking that metaphysical step back requires both time and space. For Nabokov, the metaphysical bigger picture is reached not by reading but by re-reading: “A good reader,” he says, “is a re-reader”. For him the first reading of a piece of fiction is simply an introduction to it. From this simple conclusion a powerful argument emerges: that the human mind is only able to deal with fiction if it is allowed both the time to read, as well as the metaphysical space to process and reflect on that reading, to join all those metaphysical dots and take that great leap backwards.
Again, you probably already know this, but I do think it bears repeating. Literature, as opposed to many other twenty-first century art forms, demands space for reflection, space that, in the face of the demands of the industry, is not generally given by either publishers or reviewers.
Point-of-publication “reviews” can’t actually review the book.
Commercial demands seem to be increasingly turning a book’s very publication into an “event”. When a book is published, reviews are churned out by leading newspapers, and the writer gives readings and interviews. If the novelist has previously written a string of successful books, it might make the ten o’clock news, and there will be a lot of activity on Facebook and twitter. But there is something slightly incongruous about the clamour surrounding the arrival of a book, considering its something whose charms can only be accessed by sitting very quietly on your own for hours.
It is a very neatly made point, but a fleeting one. The barn is just one bite-sized chunk in White Noise’s bigger picture: Jack Gladney’s struggle to overcome his fear of death in the postmodern world. Yet in the years since White Noise’s publication, the barn has fallen victim to the very tendency it was satirising. The “barn scene” has become one of the most talked about in postmodern fiction. I have had actual conversations about the barn with people who have not read a single word of White Noise but who know, all the same, that they need to bunny-ear their fingers every time they say the word “barn”.
Infinite Jest’s case is extreme. Yet its treatment does draw attention to my points about the time and space required for a really good and complete review. To read Infinite Jest does take one month. To read it twice takes another month. To really start joining those metaphysical dots takes a third. What’s more, those three months cannot follow sequentially — you’d inevitably start to shed friends but also, crucially, not be able to begin the process of stepping back.
What I am positing is a third space for the book review that sits between the point-of-publication reviews and the academic analyses that come later still. These reviews could offer a slightly different service to the general reader of fiction: seeking not to promote or to recommend which books are worth buying/reading, but to remind readers of their worth and to discuss their various elements for a richer experience. Yes, this already happens for some books, but they tend to be the “big” books that have universally proven themselves to be classics. What about the rest of them?
This is a different breed of reviews I am suggesting. They would turn to books once the furore of publication has died down; and perhaps they don’t have to worry about “spoiler alerts”. Their concern would be that the everyday reader of fiction recalls those books they have read months or years before; they would be unconcerned with whether an author has or has not “done it again”, and instead deal with the only question that ever needs to be asked of a work of fiction in itself: whether, once the lights have been turned off, the paper cups tidied away and all the bunting rolled up and carted off to some event on the other side of town, there is anything left behind for the reader that might still glimmer.
Oh yes to this! I interviewed an author recently – Glen Duncan – who is used to reviewers/interviewers clearly not reading the books. It’s depressing – but it happens a lot.
I read every book I review at least twice. I take copious amounts of notes. I try and see themes and for this reason, often read other work by the author. I read up on the author too.
As a writer as well, I appreciate the sweat that goes into a book so yes, every book deserves slow appreciation….
I agree with this… up to a point. But as well as the damage that unharnessing the book from the treadmill of publishing/media scheduling would do to the admittedly pretty doomed current economic model, my first thought is that it could be psychologically disastrous for authors.
Working on the maxim that no writer can ever be truly satisfied with what they’ve produced, it must be a blessed relief to send off a book to your editor and finally have done with it, no matter that the little boat you’re setting down to voyage bravely over the waves is, you suspect, inherently unseaworthy and likely to go down with all hands.
Nevertheless, you wave it off and, although you know you’ll have to go through a certain amount of intellectual reflux when it comes to promoting the damn thing, that will be a finite segment of time, that you can block out in your diary and think: ok, nothing creative will happen in those three weeks, or whatever. Other than that, you can consider the book done, dusted, dead, and move onto the next one.
The alternative model, that frees the book from the market imperative and hands the half-life of its growth and development over to the reader and the new breed of ‘slow critics’, would remove that consolation from the author. They would never be able to write off their newest novel as their ‘last novel’, and think of it as foundation or springboard for the next one.

industry_corpus2: Literature & Emotions


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Quality is whatever the customer thinks it is! However often there is a substantial gap between whatever the producer might think quality to be and how it is perceived by the customer. This dislocation upsets many business relationships.
In a recent article in Timber and Forestry News, Evan Rolley, former chief of Forestry Tasmania said Australian timber firms must look at the factors that are influencing potential new customers and pitch any proposals in terms of benefits to them.
Evan Rolley has been working in Asian markets for more than 30 years and believes sentiments have certainly changed during this period. " China for instance is trading with Europe and the Americas and there is concern there among producers and customers that there must be clear signs of environmental certification to support wood products. "
"There is little doubt in our minds that eucalypts have a real market advantage in terms of strength and durability and general engineering performance in some applications such as flooring and stairwells. "
"However none of these markets can be fully realsied unless we have environmental credentials as part of the package"


text: Alternate to Port 20A. Student sets own rate of progress. May be repeated for a 3 unit maximum. Prerequisite: 2 semesters of college Portuguese (or equivalent).


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This is the kind of mash-up I really love seeing. Excellent!
I should start using Betty, just to mess with your heads!
Wonderful idea for a commission.
I'm just really happy to see how much of Harley JB was able to nail in this commission.
Such a great idea and I'm really hoping we see much more of JB drawing Harley in the near future.
I'm not usually a fan of crossovers, but this truly scales the heights of Mount Awesome.
Love how black the blacks are. There's something so immediate and punchy about the image here that it elicits that special feeling I used to get going into my LCS and discovering an exciting cover that promised much fun.
What a cool, fun commission. JB is by far my favorite Wolverine artist and again shows me why. A big wow to Harley Quinn and her form, what a draftsman. Your "Big Piles of Broken Stuff" has me wanting to see lots of destruction all of the time.
job, there should be more.
else is even in the discussion.
I dig it when JB goes a little cartoonier than normal.
Hilarious. Congratulations to the owner.
I can't imagine that trying to sneak up on Wolverine in a pile of rubble is a bright idea, but Harley Quinn hasn't been written as someone who'd let a little logic get in the way of doing something to get her kicks. Well done, Chief!
Harley is such a fun character. Perfectly shown here. Nicely done. That wolverine guy isn't bad either.
This one will be mine. Thanks JB for including Harley's walloper. I forgot to add that accessory to my description. Also, a great big hug and kiss for doing Harley in your own style. I love the Bruce Timm version but I wanted JB style Harley and feel you did a great job with the piece.


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Taking your fantasy level to the next higher mark, the Playground Games have an amazing news for you. From the makers of the Forza Horizon series, here is to come your most loved ‘Fable’.
Well, grip your seats well for the adventure, but this time not on the roads. The British video game developers are on a new venture, to create and broaden their outlook into the stories of Fable. This would lead not into the racing streets, but would mature you into an action role-playing character.
After a series of Fable games witnessed its releases from 2004, this time the credit of bringing a revamped version of the Fable, perhaps, would be taken over by the Playground Games. However, it is still in the making. While, the news swirled round the media of its probable development.
Saying so, you need to count the days until this adventurous game again hit your Xbox One and PC. The developers are only too pleased to hand out this nearly forgotten piece of gameplay in the near future. But, you can’t expect this to arrive too soon, as it has just seen its announcement.
Until now, the fictitious city of Albion, which forms the major backdrop of this activity, was almost hidden under the bushels. Howbeit, it would come to life again.
The co-creater of the Fable Franchise opined his mixed feelings on this undertaking by Playground Games. “On the one hand it’s great for the UK games industry, and very pleasing that Fable isn’t dead; indeed, it will be lovely to play one as a punter without coming out in hives. On the other hand, it is a little curious to get rid of the team that is uniquely expert in making Fable, and then try and make Fable. Fable is a weird game, and a tough one to deconstruct for a new team. That said, the team in question is very talented, and I’m sure they’ll do a fantastic job,” he said.
With about 200 people involved in the project, you can be sure that whatever Fable rolls out into your screens a little later, would be the best from the Playground Games!

industry_corpus2: Gaming


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This extremely sweet Nike Air Max 1 WMNS Hyperfuse Premium edition is going to be an instant hit. It has to be. Women like these sweet colors and they likely have to be really strong, nót to get there wallets out for these beauties.
Nike surely has a great trendwatcher at there service, because no one could have predicted this trend as good as this one. On the catwalk of the biggest fashion houses we saw bright colors combined with each others. They call it ‘colorblocking’. And also soft pastel shades were combined together or with those colorblocking shades. So the designers of the Nike Air Max 1 thought: lets combine those trends into once perfect shoe. And thats how the Nike Air Max 1 Hyperfuse Premium Hyper Blue Total Crimson was born. This shoe will be released in juni 2013 so make sure you make a note of that. Because we can imagine this shoe will sell like hot cakes over the counter.
This Nike Air Max One Premium Hyperfuse collection has, next to the normal Nike AM1 elementes, also some Air Max ‘90’ and some 97’ looks to it. This shoe has a white mid-sole and a dark blue rubber sole. This shade of blue is also used for the laces. Around the shoe you see a path of soft peach leather and also some light blue leather. The air-bubble in the mid-sole is orange, so this main color keeps coming back.


text: If you need a Goldsboro, PA Repo Man, repo company, or repossession, QuickRepo.com is the Goldsboro, PA repossession company directory to find one. QuickRepo.com has a growing directory of repo companies and repossession agents in Goldsboro. Lendors, creditors, lawyers, banks, private individuals, and corporate legal teams use our repo man directory to find the right repossession agent or company that offers the Goldsboro, PA repossession services they need.


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Subjects Air quality management--Economic aspects. ; Air quality management--Cost control. ; Air quality management--Cost of operation. ; Air--Pollution--Research--Costs. ; Pollution--Economic aspects.
This edition replaces the fourth edition and its three supplements. Chapters 1 and 2 contain general information that applies to the entire Manual. Each of Chapters 3 through 10 covers a category of 'add-on' air pollution control devices or control device auxiliary equipment. These categories are: thermal and catalytic incinerators, carbon adsorbers, fabric filters, electrostatic percipitators, flares, refrigerated condensers, gas absorbers, and hoods, ductwork, and stacks. Each of these eight self-contained chapters discusses: (1) the types and applications of these devices used in air pollution control; (2) the theory underlying their design and operation; (3) basic sizing (design) procedures; (4) data and procedures for estimating study-level (plus or minus 30 percent-accurate) capital and annual costs; and (5) a comprehensive example problem that illustrates the application of the sizing and costing procedures.
Project Officer: William M. Vatavuk. Cover title. "EPA 453/B-96-001"--Cover. "February 1996"--Cover. Includes bibliographical references.

industry_corpus2: Power & Energy


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The gloves came off in a London court, where two Russian billionaires are battling over a 2001 oil deal.
Russian oligarch Roman Abramovich was not “smart” enough to gain the “leverage” needed for big-business success in the Russia of the mid-’90s. He was not a businessman of “the first level” at the time, and he had lied about his qualifications. Or so claimed his onetime mentor, Boris Berezovsky, testifying in a London court Thursday.
This was Day Four of the grand slugging match between two of Russia’s best-known billionaires, and the gloves came off when 65-year-old Berezovsky took the stand for the first time in the Commercial Court to give evidence in a richly colorful trial that’s expected to last at least three months.
Berezovsky, now in exile in Britain, is claiming that in 2001 he was forced to sell a 21.5 percent holding in the Russian oil giant Sibneft, a company he helped to create with Abramovich in the country’s privatization bonanza of the mid-’90s, for far less than its true value, pocketing just $1.2 billion.
He’s now seeking $6 billion in damages, alleging that Abramovich “intimidated” him into the sale by telling him the shares would otherwise be seized by the Russian goverment, headed by his old enemy, then-President Vladimir Putin. In reply, Abramovich, 44—and now best known in Britain as the owner of Chelsea Football Club—said he was never a Sibneft shareholder.
Sitting across the courtroom, Abramovich listened to a Russian translation of proceedings through headphones. Berezovsky, cutting a confident figure in an open-neck shirt and blue suit, spoke in English although he asked to be given the text of some crucial documents in their original Russian.
What emerged under cross-examination was a picture of his own ascent to a position of power under Yeltsin, who had effectively authorized the privatization of Sibneft. Berezovsky acknowledged that he was the first businessman to join the president’s exclusive tennis club and that he had befriended Yeltsin’s son-in-law and daughter.
On the other hand, he denied any improper use of his influence. He was “definitely against” corruption and never offered a bribe. “My way is not to make presssure,” he said. “My way is to persuade—and why it is important to do [something].” His principal aim in control of the loss-making broadcaster ORT in 1995 was not to make money but to help defeat the Communists in the 1996 elections, he said.
And he denied any suggestion that he had “fixed” the shares-for-loans auction of Sibneft in 1995 even though he had ensured that his own company had emerged as the sole bidder.
But under questioning, Berezovsky was forced to admit some apparent contradictions between his evidence and previous statements. He appeared to concede his influence over Yeltsin’s decision-making even though the same claim had featured in a libel action that he brought against Forbes magazine in 1997 that was settled in 2003.

industry_corpus2: Petrochemicals


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David Theno, a respected food safety expert, died last month after being hit by a large wave while swimming off the island of Lana’i in Hawaii. Theno was the founder and CEO of his own food safety consulting business, Gray Dog Partners, Inc. He made a significant impact regarding food safety in the food service industry. In May of this year Theno received a Lifetime Achievement Award at the National Science Foundation Food Safety Summit.
Theno was well known for his role as senior vice president and chief food safety officer at Jack in the Box for 16 years. Brought in by the company following the 1993 E. coli O157:H7 outbreak, he was credited with helping set new standards for leadership and management in food production and safety.
So far in 2017 cold holding is the second most frequent critical violation observed on the 100,000+ EcoSure evaluations conducted and 36,000+ Health Department inspections reported from EcoSure’s Health Department Intelligence program. With the arrival of the hot summer weather, keeping cold food properly chilled at 41˚F (5˚C) or less is even more of a challenge.
Keep your HVAC system properly cleaned and maintained including filters, fans and vents. Preventive maintenance visits can help your system work more efficiently. Being able to maintain a reasonable ambient temperature in the back-of-house impacts not only staff but also refrigeration operation.
Keep refrigeration equipment properly cleaned and maintained. Watch for ice build up which will negatively impact compressor function.
Check the operation and cleanliness of delivery vehicles. Drivers should not be turning off refrigeration of the storage areas during deliveries.
Take sample temperatures of at least one frozen and two refrigerated items per delivery and also visually check that there are no signs of temperature abuse.
If your deliveries are toward the end of a route, be especially vigilant. In more remote locations, product may be on delivery trucks for several days.
Set coolers to 35-38˚F to allow some leeway to keep product below 41˚F (5˚C).
Have walk-in coolers and freezers organized to receive deliveries and properly rotate products. Disorganization can lead to over-loading and unnecessary clutter.
Use your walk-in for the majority of cold holding.
Thaw products in the walk-in cooler.
Monitor product temperatures in all cold-holding, especially product in the process of cooling and those with more exposure to ambient air and cooking areas such as cold lines, self-service buffets, open self-serve coolers and refrigerated drawers. Record cold-holding temperature and monitor any negative trends.
Often reach-in coolers also cool the cold prep lines above so don’t overfill the reach-in and place product in a way that won’t block airflow.
More closely monitor the amount of refrigerated foods being placed out for service. It is often safer to replace product more often than to over-fill pans exposed to warmer temperatures.
If maintaining cold product is proving to be problematic in any piece(s) of equipment, consider Time as a Public Health Control to limit time above 41˚F (5˚C) to a four hour maximum.
Remember–at every step of the flow of food, take and record temperatures regularly and use corrective actions to keep food safe.
In the U.S., the USDA Food Safety and Inspection Service who regulate meat, poultry and processed eggs, recently issued a revision to their long standing Directive related to cooking and stabilization of ready-to-eat (RTE) and not ready-to-eat (NRTE) meat and poultry products. The main update is the combining of two directives into one--there used to be separate directives for lethality and stabilization.This reflects the current HACCP inspection procedures, validation policy, and verification and integrates the various public Ask FSIS Q and As and the new information in the revised Appendix A and B.
We have been asked what states have adopted which Food Code. Below is a summary from a report from the Association of Food and Drug Officials.The data contained in the report was collected by the Association of Food and Drug Officials (AFDO) through internet research and personal contact with state program personnel.
Three states and the District of Columbia have adopted the 1999 Food Code: Arizona, Louisiana, Massachusetts.
Seven states have adopted the 2001 Food Code: Connecticut, Georgia, Idaho, Indiana, New Jersey, New York and Vermont.
Eight states have adopted the 2005 Food Code: Alabama, Alaska, California, Illinois, Kentucky, Rhode Island, Virginia and West Virginia.
Twenty-three states have adopted the 2009 Food Code: Arkansas, Colorado, Florida, Hawaii, Iowa, Kansas, Maine, Maryland, Michigan, Missouri, Nebraska, Nevada, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Tennessee, Utah, Washington, Wisconsin and Wyoming.
Seven states have adopted the 2009 Food Code: Delaware, Mississippi, Montana, New Mexico, Pennsylvania, South Carolina and Texas.
For more information, see the Food Code Adoption by State document.
QUESTION: Can you clarify the holding procedure for raw and cooked bacon?
ANSWER: Raw bacon has a water activity of 0.92. FDA defines food having a water activity above 0.85 as a potentially hazardous food (PHF). Therefore raw bacon must be held at or below 41°F. However, according to USDA’s Microbiology Division, the water activity of crisp bacon is approximately 0.72 to 0.75. Commercially pre-cooked bacon has a water activity of 0.85.
The FDA in 1984 (FDA CSFAN, 1984) concluded that pre-cooked and other fully cooked bacon, with a water activity at or below 0.85, does not support the rapid and progressive growth of infectious or toxigenic microorganisms and therefore, is not considered a potentially hazardous food per the current FDA definition. Also, a study by the company Hormel also concluded that even for severely undercooked bacon, the water activity was much less than optimal (0.89) and, if used within 17 hours after cooking, the equivalent time-temperature at 70ºF to 41ºF and 7 days (Snyder, 1998), there would be no significant risk.
QUESTION: We occasionally have days during the hot summer months where our ice maker cannot keep up with our demand.What do I look for in getting additional ice delivered?
For more information, see the FDA webpage on the regulation of the safety of packaged ice.


text: The 2018 National Preservation Awards were announced at PastForward, the National Trust for Historic Preservation’s annual conference. I am the proud recipient of this year’s American Express Aspire Award. Find out more on the National Trust for Historic Preservation website.


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Don’t Waste Your Time and Know What Matters when Looking for the Best Residential Painting Contractor In the event that you are looking forward to ensure a worthy investment on home improvement, then chances are that you will benefit greatly if you know what factors really matter. Technically speaking, being able to incorporate the right things is very important and to consider investing on painting basically is one of the many things you could consider. So if you are looking forward to have projects that need painting, better leave it to the professionals to ensure you a great result. Keep in mind that if seeking professional painting contractors is what you want to do, then make sure they are legit and that you know how to find the best one. Check the very items and specifics that we have along for you ot be able to make the best selection. Just so you will be certain about your selection, it is very important for you to make sure that you will have to check and look into their overall experience. The more years they have spent in the industry will lead to ensure that they already know the ins and outs of the project needed done, whatever it may be.
Keep in mind that it really is in your best interest to know more if they have subcontractors or employees. Know if they are direct employees of the contractor or are they hired for contractual. Remember that it is very important for you to make sure that you will have to look into such matter just so you will be able to confirm that they have insurances and that possible damages will be covered.
As much as possible, you will want to make sure that you will choose one that is licensed and certified. Do this and your selection will then be made accordingly. See to it that you will want to check on such matter ahead in order for you to be certain that you are hiring a professional you could rely on as long as skills and capabilities is concerned. Consider checking their respective websites as well. It should hold a number of valuable information that you could use to ensure you are going to choose a capable contractor. Furthermore, their review and feedback section should give you a list of things that you could use to help evaluate and see their achievements. Work with the BBB or Better Business Bureau if you have doubts with their capabilities.


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4.00 out of 5 based on 317 ratings.
PLC SCADA Training in Noida is organized by Croma Campus. Croma Campus is a leading Industrial training institute in Noida & Delhi NCR. We provide most learning environment for major technical course at affordable price. The best PLC SCADA training institute in Noida offers the best technical IT training for the regarding course. We provide basic and advanced level PLC SCADA Training in Noida with proper practically knowledge. At Croma Campus, PLC SCADA Training is offered by industry experts having 8-10 Yrs. Of experience.
Croma Campus has well prepared hardware lab for PLC SCADA training in Noida. Hardware & Software are required to learn all the skills set for PLC SCADA training. Our trainers organize job oriented PLC SCADA training. Croma Campus is one of the well-equipped PLC SCADA training center in Noida. We provide training on a real-time project which helps to student in a better understanding. Croma Campus & our trainers also help to student to get placement in top MNCs by preparation at different strategies. We have designed PLC SCADA course content and syllabus to achieve their professional goals.
In addition to this, we have well-structured syllabus through which aspirants learn the skills for Introduction to PLC SCADA, PLC SCADA Architecture, Graph Programming, Introduction to .dat and .dml files, Partition Components, Departition Components, Database components, Translate components, PLC SCADA on real time projects along with PLC SCADA placement training. PLC SCADA Training in Noida is provided by us as per latest industry trends. We provide PLC-SCADA Course in Noida ensuring the optimum level of knowledge and efficiency to overcome any critical technical issue. Since the day of our commencement, it has been our aim to help the students to get placement in highly reputed companies.
Facilitated with high tech infrastructure and modern lab facilities and the options of opting for multiple courses at Noida location, Croma campus is the best PLC-SCADA Training Institute in Noida. We have trained thousands of aspirants for PLC SCADA at affordable fee that is adapted keeping in mind training and course content requirement of each candidate. PLC-SCADA Course in Noida is provided by us using ultra-modern infrastructure for performing well-practices and real-time activities. Moreover, our well-trained and highly sophisticated counselors help you from the enrollment process to placement. We warmly welcome our students’ feedback that helps us to make our training as better as possible. So far we are getting tremendous feedback from all our students.
Furthermore, Croma Campus is the well-known PLC SCADA training center in Noida with high tech infrastructure & lab facilities. We also provide access of servers so that candidates will implement the projects at home easily. More than 3000+ candidates are mentored by Croma campus in PLC SCADA training in Noida at very affordable fees.
In addition, Croma Campus built-in multi-facilitate class rooms with installed projectors. So that, candidates can better understand the topic in the better way. Our strong associations with top organizations like HCL, Wipro, Dell, Birlasoft, TechMahindra, TCS, IBM etc. make us capable to place our students in top MNCs across the globe. Croma Campus is one of the best PLC SCADA training center in Noida with 100% placement support. We have placed thousands of students according to their skills and area of interest that makes us student’s preferred PLC SCADA training institute in Noida. Next, we closely monitor the growth of students in our training and assist them to increase their performance and level of knowledge.

industry_corpus2: Technology & Research


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Our Hermes color expert @italianfashionista updates her rainbow… Which is your favorite shade?
It’d have to be Parme, Crocus then Anemone!
@orangekissed mine is exactly that except maybe a slight edge for anemone over crocus for me right now ????
I think I would choose the “cassis”???
U know I love anything purple my dear so this is a hard one. I think its btw anemone, crocus and parme. I’ve yet to see parme in person but from pics it looks so stunning. Love anemone coz it mixes in shades of pink (my other fav color) and crocus is just so vibrant and rich in person. But based only on what I’ve seen in person, I’d prob go with anemone ?
I love purple and I would have to say ALL!!!
so hard to choose…purple is one of my fave colors, so all shades of it are beautiful to my eyes… but, if I must pick favorites, I´d say Parme, Anemone, Ultraviolet and Crocus (oops, I think I chose too many hahahaha but just can´t make up my mind).


text:
Southend suffered their first home defeat of the season after a late Charlie Wyke penalty gave Bradford a 2-1 win at Roots Hall.
Wyke thundered home the stoppage-time spot-kick after Shrimpers midfielder Ryan Leonard had been shown a second yellow card for bringing down Nicky Law.
Southend boss Phil Brown was also sent to the stands for protesting against a free-kick in the build-up to the penalty during a dramatic conclusion to the game, after Stephen McLaughlin had cancelled out Dominic Poleon's first-half opener.
Bradford took the lead in the ninth minute when Poleon, who started his career in the youth system with the Shrimpers, converted a right-wing cross from Law.
Southend equalised in the 75th minute after substitute Jermaine McGlashan delivered a deep right-wing cross, which McLaughlin headed home from inside the six-yard box at the far post.
However, the Bantams hit back to secure their eighth away league victory of the season with Wyke's penalty in the first minute of stoppage-time.

industry_corpus2: Sports


text: Paul Guenther is a 3L at Michigan State University College of Law from Hastings, Michigan. He attended the University of Alabama where he received a Bachelor of Arts in Philosophy, with a jurisprudence specialization, and Psychology. Professionally, Paul is interested in corporate finance, securities, and compliance. Outside of law school, Paul enjoys traveling, fishing, and other outdoor activities.

industry_corpus2: Law & Justice


text: LuLu's fun, free family event! Come meet the Easter Bunny and have fun searching for hidden eggs. Easter Egg Hunt starts promptly at 2:00pm. Will be divided by ages for safe hunting for all!


text: This opportunity is available for an inpatient acute setting or an outpatient hands setting for a 3 month assignment starting in early June. Therapist will treat approximately 8-12 patients per day. Candidates with either outpatient hands experience or inpatient acute experience are desired. Call today to learn more!


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The CD35P is robust and reliable complete with built in Condensate Pump , its the answer to a real market need. After builders, private customers are your largest dehumidifier market. Burst pipes, leaking roofs, flooded washing machines, river floods and severe condensation can all have disastrous consequences if not treated quickly. The Ebac CD35P machine offers guaranteed drying performance.
The CD35P not only are they quiet, reliable, portable and economical, they’re also built to withstand daily use and transportation from a constant stream of use.
The CD35P is light and compact enough to be lifted and carried with ease. They require no installation just position the unit where it’s needed, plug in, switch on and leave it to get on with the job.
A CD35P Dehumidifier has the power to extract up to 10lts of water in a single day. Yet, because they use energy efficient heat pump technology, running costs are very low, costing no more than a TV. A variable humidistat allows the customer to select the preferred level of dryness and minimize running costs.


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A Northern California native, Logan Vollmers is a director / video producer specializing in Video Production, Photography, and Sound Engineering.
Having graduated California State University, Chico in 2012 with a degree in Recording Arts and Theatre, Logan has spent much of his time since then working with musical instrument industry leader Ernie Ball doing video production work. Logan is an avid musician, aesthete, and 'enjoyer' of all things audio/video.
Favorite things include burritos, concerts, guitar, cinema, yoga and more burritos.