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Equipo Nizkor - Justice Department Announces EFG Bank European Financial Group SA, Geneva, and EFG Bank AG Reach Joint Resolution Under Swiss Bank Program.
The Department of Justice announced today that EFG Bank European Financial Group SA, Geneva (EFG Group), and EFG Bank AG (EFG Bank) reached a joint resolution under the department's Swiss Bank Program. EFG Group and EFG Bank (collectively EFG) will pay a penalty of more than $29 million.
"The Tax Division continues to receive detailed information regarding U.S. accountholders, the methods they used to conceal their foreign accounts and the individuals and entities that assisted in this criminal conduct," said Acting Assistant Attorney General Caroline D. Ciraolo of the Justice Department's Tax Division. "Today's agreement makes clear that our focus extends well beyond Switzerland, and to those who fled Swiss accounts to hide in other foreign financial institutions - we are right on your trail."
According to the terms of the non-prosecution agreement signed today, EFG agrees to cooperate in any related criminal or civil proceedings, demonstrate its implementation of controls to stop misconduct involving undeclared U.S. accounts and pay a penalty in return for the department's agreement not to prosecute this bank for tax-related criminal offenses.
EFG Group is a holding company and Swiss bank based in Geneva, Switzerland, which is owned by European Financial Group EFG (Luxembourg) SA. EFG Group is the direct and controlling shareholder of EFG International AG, which is a holding company. EFG Bank, which is headquartered in Zurich, Switzerland, and has another Swiss office in Geneva, is the main Swiss private banking subsidiary of EFG International AG. EFG Bank also has representative offices and branches in Asia and the Americas. In 2003, EFG Bank acquired the Geneva-based bank Banque Édouard Constant (BEC). While EFG Group and EFG Bank are participating jointly in the Swiss Bank Program, these two EFG banks are separate legal entities with distinct management and board control.
Until 2013, EFG conducted a U.S. cross-border banking business that aided and assisted certain of its U.S. clients in opening and maintaining undeclared accounts in Switzerland and concealing the assets and income they held in these accounts from the U.S. government. EFG offered a variety of traditional Swiss banking services that it knew could assist, and did in fact assist, U.S. clients in the concealment of assets and income from the IRS.
Certain EFG Bank private bankers based in Switzerland traveled to the United States approximately two to three times per year until July 2008. At least 72 business trips to the United States took place in connection with seven EFG Bank private bankers between 2005 and 2013. Private bankers from EFG Bank conducted meetings with clients in the United States in Arizona, California, Connecticut, Florida, Georgia, Illinois, Massachusetts, Nevada, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, Texas, Washington, Wisconsin and Washington, D.C.
One EFG Bank private banker had an established third-party client referral model for U.S. clients that involved two lawyers in the United States, one U.S. accountant and one Swiss fiduciary company. At least one member of EFG's senior management approved and supported this private banker's relationship with one of the two U.S. lawyers. This same U.S. lawyer asked the EFG private banker not to travel into the United States with a computer and requested that they communicate about U.S. taxpayer clients through faxes rather than email. The EFG private banker responded, "[R]ight - next travel I travel will take no computer with me - I will then buy me one at BestBuy and leave it there for use when I am travelling. So I never will cary [sic] a computer over the border."
In 2001, EFG entered into a Qualified Intermediary Agreement (QI Agreement) with the Internal Revenue Service (IRS). The Qualified Intermediary regime provided a comprehensive framework for U.S. information reporting and tax withholding by a non-U.S. financial institution with respect to U.S. securities. The QI Agreement required EFG to obtain IRS Forms W-9 and to undertake IRS Form 1099 reporting for new and existing U.S. clients engaged in U.S. securities transactions. Notwithstanding this requirement, EFG chose to continue to service U.S. clients without disclosing their identity to the IRS. In September 2009, a member of EFG Bank's management discussing its decision to require Forms W-9 from its U.S. clients said that "[t]he intention of the Bank is to cover its back with the IRS, but when clients remitted their W9, I was told that [EFG private bankers] comforted clients by telling them that the Bank will not declare anything systematically to the IRS." Until June 2013, EFG requested but did not require all of its U.S. clients to provide a signed IRS Form W-9 and to confirm whether their accounts were disclosed to the IRS.
In EFG's view, the QI Agreement did not apply to accountholders who were not trading in U.S.-based securities or to accounts that were nominally structured in the name of a non-U.S.-based entity. For example, when asked in July 2007 whether an account should be considered a U.S. account if the new corporate account is in the name of a Panama company that was in reality beneficially owned by a U.S. resident, a manager advised that the "account is non-us [sic] for withholding tax QI purposes." The same manager was asked in March 2008 by an EFG Bank private banker what could be offered to a U.S. couple residing in Mississippi who wanted to open two accounts for $1 million each, and the manager responded, "[i]f they're declared, they can open in their name and sign W9. If not, suggest they use a pic [private investment company]."
While EFG did not provide direct structuring services to U.S. clients, EFG private bankers and members of EFG's management suggested the use of structures for EFG's U.S. clients and provided referrals to third-party service providers. External trust companies created and administered offshore structures incorporated or based in offshore locations such as the British Virgin Islands, Panama and Liechtenstein for certain of EFG's U.S. clients.
EFG also serviced certain U.S. clients with undeclared accounts held in the names of insurance companies and not the actual beneficial owner of the funds, known colloquially as an insurance wrapper. Insurance wrappers were marketed by third-party providers in the wake of the UBS investigation as a means of disguising the beneficial ownership of U.S. clients. These particular accounts were all held in the name of insurance providers. By the operation of Swiss bank secrecy laws, the U.S. client's ownership would not be disclosed to U.S. authorities, including the IRS.
In connection with some of the accounts that U.S. clients created and opened in the name of sham offshore entities and insurance wrappers, certain EFG employees suggested, accepted and included in EFG's account records IRS Forms W-8BEN (or EFG's substitute forms) provided by the directors of the offshore companies that falsely represented under penalty of perjury that such companies were the beneficial owners, for U.S. federal income tax purposes, of the assets in the accounts. These false Forms W-8BEN were maintained in EFG's files at the same time as the Swiss Forms A that accurately and truthfully represented the true beneficial owners of the assets in the accounts.
Certain accounts were closed at EFG, since Aug. 1, 2008, in such a way that EFG assisted its U.S. clients in continuing to conceal the assets and income they held at EFG in Switzerland from the IRS. EFG, including senior management in certain instances, assisted U.S. clients with retaining undeclared assets at EFG and allowed undeclared U.S. clients whose accounts were being closed to transfer their assets to non-U.S. accounts at EFG, including accounts held by relatives.
At least $33,550,000 was transferred to Hong Kong.
In connection with the closure of U.S.-related accounts, significant amounts also were transferred to the Bahamas, the British Virgin Islands, the Cayman Islands, Cyprus, Israel, Panama, Singapore and the United Arab Emirates.
EFG has cooperated with the department and provided timely and comprehensive information to the U.S. government about its cross-border business with U.S.-related accounts. Among other things, EFG provided detailed information concerning the operation of its U.S. cross-border business that included misconduct committed by EFG; names of those private bankers who serviced U.S. clients; and names of those members of management who supervised private bankers servicing U.S. clients, including those private bankers who committed misconduct. EFG also provided responsive, specific and actionable information to the department concerning associated persons, entities and areas of concern for use in other ongoing and potential department investigations.
Since Aug. 1, 2008, EFG held a total of 919 U.S.-related accounts, which included both declared and undeclared accounts, with an aggregate peak of approximately $1.58 billion in assets under management. Of EFG's 919 U.S.-related accounts, approximately 12 percent were timely disclosed to the IRS through Form 1099 reporting. EFG will pay a penalty of $29.988 million.
In accordance with the terms of the Swiss Bank Program, EFG mitigated its penalty by encouraging U.S. accountholders to come into compliance with their U.S. tax and disclosure obligations. While U.S. accountholders at EFG who have not yet declared their accounts to the IRS may still be eligible to participate in the IRS Offshore Voluntary Disclosure Program, the price of such disclosure has increased.
Most U.S. taxpayers who enter the IRS Offshore Voluntary Disclosure Program to resolve undeclared offshore accounts will pay a penalty equal to 27.5 percent of the high value of the accounts. On Aug. 4, 2014, the IRS increased the penalty to 50 percent if, at the time the taxpayer initiated their disclosure, either a foreign financial institution at which the taxpayer had an account or a facilitator who helped the taxpayer establish or maintain an offshore arrangement had been publicly identified as being under investigation, the recipient of a John Doe summons or cooperating with a government investigation, including the execution of a deferred prosecution agreement or non-prosecution agreement. With today's announcement of this non-prosecution agreement, noncompliant U.S. accountholders at EFG must now pay that 50 percent penalty to the IRS if they wish to enter the IRS Offshore Voluntary Disclosure Program.
"Today's resolution with EFG Bank European Financial Group SA, Geneva and EFG Bank AG reflects the continued progress of the Department of Justice's Swiss Bank Program," said acting Deputy Commissioner International David Horton of the IRS Large Business & International (LB&I) Division. "In resolving these matters, large and small financial institutions are putting their non-compliance behind them and providing information that will lead us to those U.S. taxpayers who have failed to report their foreign accounts and pay their income taxes."
"The data we've collected to date through the agreements as part of the Swiss Bank Program has already uncovered more banks, more facilitators and more account holders," said Chief Richard Weber of IRS-Criminal Investigation (CI). "Noncompliant account holders who believe their funds are still hidden will find that simply is not true. With each agreement signed, the probability that these criminals will be found grows even more certain. CI and our partners will vigorously pursue those who hide offshore accounts and those who aided this illegal activity."
Acting Assistant Attorney General Ciraolo of the Justice Department's Tax Division thanked the IRS and in particular, IRS-CI and the IRS LB&I Division for their substantial assistance. Acting Assistant Attorney General Ciraolo also thanked Kimberle E. Dodd, who served as counsel on this matter, as well as Senior Counsel for International Tax Matters and Coordinator of the Swiss Bank Program Thomas J. Sawyer and Senior Litigation Counsel Nanette L. Davis.


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How can retailers go about staying focused on green initiatives when sourcing bulk hotel stays with e-negotiation tools?
Recently in an article in Continental Magazine titled A GREEN NIGHTS SLEEP,author Neil Weilheimer posits Eco-friendly hotels offer travelers a variety of ways to love the Earth. In the article a spokeswoman for TripAdvisor.com quotes their survey where twenty six (26) percent of consumers indicated they planned to be more green conscious during the next year. Thirty four (34) percent indicated they would even be willing to pay more for it.
First it is important that a retailer set their own environmental guidelines, after all we are planning on paying our own programs forward to suppliers that support similar initiatives right? If a retailer follows best practices in the e-procurement process and during the discovery process follows a hotel stays template created with the environment in mind, they can do just that. In the same article, according to Patty Griffin, founder and president of the Green Hotels Association there are steps a consumer can take, and like wise so can a retailer.
1. Does the hotel use energy star approved appliances and televisions.
2. Are rooms cooled by ceiling fans to limit air conditioning usage?
3. What about their linens and towels, are they made of organic cotton?
Additionally you can check prospective hotels websites to see if they list other green initiatives that you can discuss with them further.
This author believes that it is not that difficult. Focus on your company?s social conscience and include that in your discovery. Then pay it forward based on more than just price.
Why should suppliers want to participate in e-negotiation events such as reverse auctions and on line Requests For Information?
There are a number of significant benefits suppliers receive by participating in e-negotiation events.
Quite often when speaking to new suppliers to invite them to participate in a reverse auction or an on line request for information the question comes up; what?s in it for me? This is almost never the case for suppliers that have been involved in the practice before.
1. Suppliers can accurately represent their company and its capabilities to a buyer or group of buyers.
2. Suppliers benefit from reduced cost of new business acquisition.
3. Suppliers are exposed to more opportunities for new business.
8. Suppliers are introduced to tools they can use in their businesses in order to compress their pricing.
9. Suppliers can instantly submit and modify their bids electronically rather than submitting paper bids, providing a faster, more efficient purchasing process.
The next time a e-negotiation solution provider calls you on behalf of a company requesting your participation in an e-negotiation event, ask to be added to the database and what you have to do to be invited to all events in the future.
The Northern Lights are an amazing phenomenon that many are mesmerized by.
The safety of food products produced in Canada is ultimately the responsibility of the food industry. Food inspection programs administered by the CFIA confirm that establishments have taken the appropriate steps to produce safe food products.
In the past, food manufacturers relied almost entirely on end-product testing to determine the safety of their products. Now, industry representatives and government together have developed scientifically sound principles based on HACCP to control production.
Hazard Analysis Critical Control Point (HACCP) was conceived in the 1960s when the US National Aeronautics and Space Administration. Since then, HACCP has been recognized internationally as a logical tool for adapting traditional inspection methods to a modern, science-based, food safety system.
FSEP encourages establishments to adopt HACCP principles. An establishment’s HACCP system includes its HACCP plans and prerequisite programs as well as procedures for the maintenance of the HACCP system.
The HACCP system prevents food safety problems by providing control throughout the manufacturing process at critical steps identified as Critical Control Points (CCPs). These points permit operators to detect and control hazards before products are distributed.
What are retail 3PL’s and what types of retailers use them?
Do retail 3PL’s make it more difficult for smaller retailers to run e-negotiation events?
According to Wikipedia a third-party logistics provider (abbreviated 3PL) is a firm that provides outsourced or “third party” logistics services to companies for part, or sometimes all of their supply chain management functions. Third party logistics providers typically specialize in integrated operation, warehousing and transportation services that can be scaled and customized to customer’s needs based on market conditions and the demands and delivery service requirements for their products and materials.
As such, there are a number of types of SPL’s within retail that may in fact service a single retailer. All might fall under this umbrella including wholesalers such as SUPERVALU, collective buyers such as TOPCO or even a retailer collaborative that may in fact just coordinate aggregated purchases and in fact pick other 3PL’s to provide warehousing, picking and packing and distribution. Each of these providers may in fact provide some or all of the same services and also may all be in play at an individual retailer. The later or collaborative of multiple retailers might even be looked at as a non asset based 3PL.
In all categories of third party logistics providers however it is still the end user or retailer regardless of size that determines what products they buy and accept delivery of in their stores. As such, it should be no more difficult for smaller retailers to run e-negotiation events? There will need to be discussions as to costs that are purely associated with the warehousing, slotting, picking and distribution of products by a 3PL once an e-negotiation event has been planned, but these items should be easy to break out for bid or add to the final pricing prior to award of business as a flat fee. This is a practice that all 3PL’s should be familiar with already. Retailers should anticipate that their existing 3PL depending on services offered would rather not have you conduct these types of events as it negatively impacts their volumes with manufacturers and other providers and as such their company’s margins.
Understanding your options and the flexibility that 3PL’s can provide may actually make it easier for all retailers to use e-negotiation tools to impact their bottom line.
What are retail 3PL?s and what types of retailers use them?
Do retail 3PL?s make it more difficult for smaller retailers to run e-negotiation events?
As such, there are a number of types of SPL?s within retail that may in fact service a single retailer. All might fall under this umbrella including wholesalers such as SUPERVALU, collective buyers such as TOPCO or even a retailer collaborative that may in fact just coordinate aggregated purchases and in fact pick other 3PL?s to provide warehousing, picking and packing and distribution. Each of these providers may in fact provide some or all of the same services and also may all be in play at an individual retailer. The later or collaborative of multiple retailers might even be looked at as a non asset based 3PL.
In all categories of third party logistics providers however it is still the end user or retailer regardless of size that determines what products they buy and accept delivery of in their stores. As such, it should be no more difficult for smaller retailers to run e-negotiation events? There will need to be discussions as to costs that are purely associated with the warehousing, slotting, picking and distribution of products by a 3PL once an e-negotiation event has been planned, but these items should be easy to break out for bid or add to the final pricing prior to award of business as a flat fee. This is a practice that all 3PL?s should be familiar with already. Retailers should anticipate that their existing 3PL depending on services offered would rather not have you conduct these types of events as it negatively impacts their volumes with manufacturers and other providers and as such their company?s margins.
How Socially Responsible (SR) are your suppliers?
What is Social Responsibility (SR) versus Corporate Social Responsibility (CSR) and how is it measured.
According to the ISO, SR is the need for organizations in both public and private sectors to behave in a socially responsible way that is becoming a generalized requirement of society.
Broadly speaking, we need to understand that the difference between Social Responsibility or SR and Corporate Social Responsibility or CSR is that SR applies to more than just companies. Although not totally accurate, this author likes to think of SR as an umbrella under which corporate or governmental social responsibilities reside. More often than not today governmental social responsibility is also falling more under the CSR umbrella.
It is felt that a guideline like ISO 26000 is required because of ever increasing globalization and a need to be more conscious of what we buy, but also of how the goods and services we buy have been produced and by who. Issues such as production that is harmful to the environment, child labor concerns, dangerous working environments, safety, and other inhumane conditions are just some of the examples of issues being openly discussed today. All companies and organizations aiming at long-term profitability and credibility are starting to realize that they must act in accordance with norms of right and wrong. The guidance standard will be published in 2010 as ISO 26000 and be voluntary to use. It will not include requirements and will thus not be a certification standard.
AHA moments in product and food safety are just fine.
Kellogg CEO proposes food-safety reform plan.
One would hope that the announcement by Kellogg CEO David MacKay was not an AHA moment. However, if it was that?s ok if it causes authorities, companies and other leaders to work together to solve the crisis in food and product safety that is rampant in this country and around the globe today. MacKay told Congress (who always listen to the big guys) that Kellogg?s wants food safety placed under a new leader in the Health and Human Services department. We hope that this direction is not just because Kellogg lost Seventy Million Dollars as a result of the recent salmonella outbreak where they had to recall seven million cases of peanut butter crackers and cookies. If that is the case it?s just fine.
Another pressure point that may be leading companies such as Kellogg to refocus on this problem is the fact that our new President who is enjoying rock star status around the world has also made this a focal point of his new administration. Last week President Obama launched a special review of food safety programs that are in many cases decades old and not under the umbrella of a single government organization.
It is this authors hope that other CEO?s seize the opportunity to make this issue a focal point of their company versus a me too effort that does not get the necessary amount of attention inside most companies. In this case AHA moments are a good thing and piling on only helps to solve a problem.
Safesourcing Inc. has reached out to our congressional leaders to play any part we can in assisting with this process through the use of our tools, database and best practices in sourcing safer products around the world.
Please do your part, and as always we look forward to and appreciate your comments.
China product safety issues are in the headlines again.
Tens of thousands of homeowners have encountered numerous issues including the smell of rotten eggs, sinus problems, and sulfur gases that can corrode copper coils as well as electrical and plumbing components. Based on import estimates, as many as 60,000 U.S. homes may be affected.
A class action suit has been brought against the manufacture Knauf Plasterboard Tianjin who claims they have tests that show the gases given off by the drywall pose no health hazards. Presently Florida Regulators and the federal Consumer Product Safety Commission are investigating this issue.
These issues have forced some homeowners out of their homes and into rentals. Some of those affected can?t afford to rent additional living space.
Retailers and Contractors are also being negatively affected as well at a time when there is less work and the costs associated with the time it takes to field all the complaint calls as well as the time required to tear out and replace the contaminated drywall. These hours further erode already slim profit margins and net profitability.
Consumers are tired of spending hard earned money on things that harm them. Over the last year or two we?ve seen reports about lead in paint on children?s toys, tainted dog food, baby food, and a variety of other safety breakdowns. What is it going to take to force and monitor policy changes?
Holding suppliers accountable to a growing list of Safety Certifications during Supplier Research is a must in today?s market. Is your present e-negotiation provider referencing twenty-five different Safety Certifications for every supplier if not, consider the consequences beyond just the monetary impact it could have on your bottom company?s line?
As always thanks for reading and look forward to your comments.
If you want a sustainable e-negotiation program some critical thinking is required.
A client recently asked me why a large suppliers database is important to creating a sustainable e-negotiation program and what else would help ensure the process is sustainable?
A logical focal point for hosting a competitive e-negotiation event is to assemble all of your present suppliers for a particular category who are held in good standing. These are suppliers from whom you have sourced products using traditional means in the past.
In general the principal is that the more vendors or suppliers that agree to participate in the e-negotiation event; the better your potential results. This however requires some strategic thought because you are beginning a process that you want to use on a recurring basis. As such inviting the same suppliers again and again may seem to make sense, but may not encourage the results you are looking for whether it is shorter delivery times, better quality products, better pricing or all of the aformentioned. This is a critical reason why it is important to have the most robust supplier data possible available for your regular review. If you can only find six local suppliers for a particular auction, they will all most likely agree to participate the first time around. However a key issue to consider is what will encourage them to participate the next time and again after that? Suppliers will almost always not be the same size. As such the smaller vendors will most likely bid early and drop out after the early rounds. These suppliers will most likely not agree to compete in the future as they consider their chance of winning the business unrealistic. There are however ways around this if you are creative. The suppliers that finish first or second or incumbents that are displaced will always agree to participate again, but lack of competition from new souruces of supply will make the e-negotiation evenrs less successful.
A logical question would then be. If we only have six suppliers available; how many should we invite to participate? Should we invite them all? Every company will answer this question differently. When considering the future, do we want events or do we want continual process improvement that drives continuous savings?
There are several possible solutions to consider. First, only invite four participants to begin with. This will create a competitive environment for your auction. Let?s assume that in twelve months when you repeat this e-negotiation event that the two largest suppliers agree to return. You could now invite supplier?s number five and six that were not included in the original event. You have now created a competitive auction for the second year or cycle. A second thought might be to not invite all of the largest suppliers to your first auction, in order to manage the quality of your suppliers for future auctions. This type of critical thinking supports continual process improvement in e-procurement implementations.
Certified Humane Raised & Handled. Far too often law makers look the other way.
What sourcing lessons can be learned from HBO?s documentary ?Death on a Factory Farm??
This author has to admit that I changed the channel on several occasions last night when watching the above mentioned documentary on HBO. I just could not tolerate or watch the violent behavior and mistreatment of hogs and their piglets on the Wile Hog Farm located in North East Ohio.
It is however part of my job to understand these practices in order to advise retail clients as to better ways to source meat products for their stores and understanding the brutality of this documentary is part of that.
Our SafeSourceIt? Supplier Database with over 300,000 suppliers from around the world holds suppliers accountable to a number of standards that are included in a table in our database, templates library and best practices used in identifying and qualifying new sources of supply. One of those standards is Certified Humane Raised & Handled. The Certified Humane Raised & Handled program is an inspection, certification and labeling program for meat, poultry, egg and dairy products from animals raised to humane care standards. Wile Hog Farms practiced none of these. In fact we go a step further at SafeSourcing. We will not allow Wile Hog Farm or others who treat animals inhumanely to participate in our database. We will also ask processors if they accept Hogs from Wile Hog Farm. If they do, we may recommend to a retailer to not include them in an auction or replenishment event.
The question you are now asking yourself is; what impact will this have? At present, probably not much, but someone has to begin to hold the sources of our food supply accountable. Obviously our law enforcement organizations don?t take this seriously. In fact of the ten criminal counts at the end of 1 1/2 days of testimony, Wayne County Municipal Judge Stuart K. Miller found Joe Wiles guilty on only one count of improperly handling piglets, grabbing them and throwing them by their ears and legs.
I encourage you to watch this documentary if you are in the meat procurement business and then answer the question as to whether you want Safesourcing looking out for your best interests when sourcing safe products or someone else.

industry_corpus2: Hospitality & Catering


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Let’s get straight into the second set of 4 beers from our second meeting!
I’m going be honest with you readers, this was a bad one. I didn’t have much confidence going in and that proved an accurate judgement.
Average score of a frankly shocking 34.3. A high score of 56 and low score of 13 puts it at 43 point diversity, but that diversity is only spanning the range from ‘Avoid’ to ‘meh it’s alright’.
It’s just wrong on so many levels, sickly sweet with an aftertaste that sits there in the back of your throat. Tasted so artificial as well which is never a good thing where beer is concerned.
Andy’s Take – Scored it 30 – The worst beer we have had here at HCBC, and the first one I would genuinely put in the ‘don’t even buy it out of curiosity’ category.
Following on from the disappointment of Rhubarb and Custard, we had high hopes for this beer. But did we come away happy?! Imp. Biscotti Break is a stout brewed with coffee, vanilla and almonds ratcheted up to 11.5%.
At 11.5% you can probably agree with Brett’s assessment for drinkability – ‘one pint = pissed’! Whether that is a good thing or not depends on your point of view!
Well well well. A whopping great 76.8 average score surpasses any previous beer and in fact became the best beer of HCBC so far. Diversity comes in at 27 but all of those scores are above 60! An interesting thing to point out though, is if you remove the two ‘outliers’ (a 91 and a 64) then the average is still 76.5!
An average score of 16.6/20 for aftertaste shows where this beer really shines. The appearance and smell also both did very well. Unsurprisingly, dink-ability is the lowest category which makes sense with an 11.5% beer!
Andy’s Take – Scored it 75 – A really great beer that hits you with a strong marzipan taste and a consistency like engine oil (that’s a good thing!) However, I definitely couldn’t have too much of it, as it’s very strong in taste as well as ABV.
The Yard comes from Neon Raptor Brewing Co. which is from my hometown of Nottingham. A fruity IPA with added lactose and vanilla to give it that ‘milkshake’ vibe.
As Brett said, this really surprised us with it’s sourness. We were all coming in to it expecting a more IPA-like beer but with a creamy mouthfeel from the lactose and what we got was more like a sour.
Overall it got an average of 54.8 which in itself is decent, but I can’t help but feel that could have been higher. A high score of 66 and low score of 38 means it wasn’t particularly divisive, with it coming off worst in aftertaste but doing quite strongly in drinkability.
Andy’s Take – Scored it 64 – I liked this beer, though I can’t shake the feeling that we might have had a slightly bad batch as I can’t equate the big sourness that we all got to other reviews I’ve seen that describe the lactose-IPA we expected. Interestingly, that didn’t actually detract from the beer with quite a few of us actually enjoying that. This one will be making a re-appearance at some point to see if I’m right about this one not being quite right.
The final beer of this second edition of the fledgling HCBC blog is Leeds Beer Week 2018. A triple dry hopped pale ale brewed as a collab with Northern Monk for Leeds Beer Week, packed to the rafters with hops and described as a ‘Crush-able Pale Ale’.
Coming in with an average of 74.8 it’s only just beaten to the top spot by Imperial Biscotti Break, and just about pips Banoffee Porter to this weeks Silver Medal. Exactly the same overall diversity as IBB but much more diverse scores within that range.
This did very well in drinkability with its smooth creamy taste, and it recorded by far the best scores for smell we’ve seen with no one giving below 9. Slightly let down on aftertaste, but I put that down to some people not liking the bitterness that so much hops bring to the table.
Andy’s Take – Scored it 81 – Really lovely beer. I got a strong hit of juicy pineapple, and a thick creamy mouthfeel. Andrew described it as ‘Limoncello with beer’ and that’s not too far off either.
The second meeting was definitely more of a roller coaster in terms of beer quality with the 2 lowest rated beers and 3 highest rated beers all being sampled this week. Lets give out some awards!
Least Liked Beer – Rhubarb and Custard takes the one nobody want’s to win this week, unfortunately the artificial taste was just too much for most of us.
Best Beer – The overall best beer on the night was Imperial Biscotti Break from Evil Twin Brewing, though Leeds Beer Week ran it very close indeed!
Strongest Opinion – This weeks strongest opinion goes to Tom who gave Banoffee Porter a big 82 but the Rhubarb and Custard a paltry 13, giving him a swing of 69 points!
Beer Junkie – The newcomer for this week, Dr Andrew Barr, gave out the most points in total with a nice round 500 points given out. Brett ran him close with 495!
‘Beer Isn’t For Me’ – Allowing for the fact that Alex (424) didn’t sample Wye, then unsurprisingly the award goes to Fork who gave out a measly 425 points!
Least Divisive – Whilst last week this was an alternative to best beer, it certainly isn’t this week. The second lowest rated beer, Garlic Beer, is the least divisive with 16, showing that it was pretty universally disliked.
Most Divisive – Sensing a pattern with the most divisive beers that they tend to be at the darker end of the beer spectrum, this week most divisive was poor old Banoffee Porter (my fave) which varied from 88 to 39 giving it a healthy 49 diversity swing.
The updated league table therefore looks like this, with 3 new beers sitting in the medal positions!
As always, see below for the graphs and full ratings break downs, and stay tuned for HCBC 3 coming soon! Cheers!

industry_corpus2: Others


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I’ve been thinking about gratitude and all that I am grateful for in my life.
I decided to look through my drawer to throw out the “old” undies.
And there are many here in the US and in other countries that cannot even begin to fathom our abundance.
what we have in our lives and be conscious of ways to share our blessings with others.
the list is endless as to how each of us can share ourselves with others.
To know that we matter, that we are loved, and that we have a purpose in life!
I am so grateful for all that I am and all that I am being in this present moment.
Do you overcommit? I think we all do at times. What does it mean to overcommit?
For me I’ve become aware of a tendency to take on many projects at one time.
I’m often left feeling overworked, under-appreciated and stressed to the max!
I wore it like a badge of honor.
I truly believed it was “in my DNA” to overcommit.
I discovered it’s NOT in my DNA!
It’s a belief system and belief systems can be changed.
I learned the tendency to overcommit at a young age.
is the belief system I adopted, or what I made overcommitting mean.
To me, if I said yes, I believed people would like me.
I never thought about whether I would be able to accomplish the task.
I knew I had to find a way.
This behavior helped me learn to be organized and resourceful.
And it also led me to design my life according to should’s.
Who/what should I be, do have rather than who/what do I choose to be, do, have.
What I discovered is that I’m the one who has control over what I think, say and do.
What’s really the underlying thread that allows anyone to consistently overcommit?
I challenge you to take one action step TODAY that will create awareness around why you overcommit.
Do yourself a favor and put pen to paper and answer these 3 questions.
What is the price I pay when I overcommit?
What is the benefits I receive when I overcommit?
What does it look like to STOP and BE?
When you complete these questions, I recommend sharing your answers with a support person.
This can be a coach, mentor, or friend who will partner alongside you as you create the next action step choices in your one amazing life journey!


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This 5 bedroom, 2.5 bath home has 2,593 square feet of living space. Leases signed in this state may be subject to a 9.99 utility fee, local taxes and processing fees. Please contact an American Homes 4 Rent Leasing Consultant for more information. For other quality homes for rent, visit www.americanhomes4rent.com. Equal Housing Opportunity.
4bd, 3ba • 2,724 sq. ft.
3bd, 2.5ba • 1,698 sq. ft.

industry_corpus2: Real Estate & Construction


text: Looking for Morpeth Electric Bicycle Company, Lvkang Electric Bike has rich product varieties. Welcome to our company for sourcing products. As a young growth company, we may not be the best, but we are trying to be your best partner. I sincerely hope that the following products can meet your needs.


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Tuff Airline approved Pet Carrier. Dimensions: 19"L x 10.5"W x 10.5"H.
*Made of high quality 600 Denier Nylon.
*Padded strap for over-the shoulder carrying.
*Water resistant base padding for extra pet comfort during transport.
*Mesh windows on all sides for ventilation and pet visibility.
*Reinforced mesh to prevent damage from pets nails or teeth.
*Security leash inside the carrier to restrain your pet or keep him/her stable.
*Back mesh pocket for almost anything your pet will need.
*Large front zipper for quick access.
*Easy clean- rinse with water.

industry_corpus2: Agriculture & Fisheries


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At Land Surveyer Pro, land surveying will be done by experts. The professionals use latest technologies so that it is possible to make the most of your investment. If you would like to purchase a new property or would like to make changes to the existing property, it can be done efficiently after taking the help of the surveyor. The surveyor offers accurate information so that there will not be any ambiguity. Land Surveyer Pro in Paskenta, CA can be approached to order various kinds of services in an effortless manner.
You can order land surveying needs in Wyoming through Land Surveyer Pro. It is very much important to calculate minor values as well so that there will not be major issues in future. The neighbors will have rights to sue if they find unauthorized construction in the tiniest part of their land. Hence, you should take care to find the accurate information which is made possible through an experienced Land Surveyor. Our services are matchless and you can hire our services after comparing with others in Paskenta, CA.
Land Surveyer Pro in Paskenta, CA offers highly reliable solutions so that you can make the most of your time, effort and money. You can call us through 800-376-6940 so that you will have a rough estimation. The consultation services are offered free of cost.
Land Surveyer Pro in Paskenta, CA presents Land Surveyors who will land on your site and perform various kinds of jobs in an efficient manner. The legal documentation will not be a nightmare when you depend upon the most reliable service. You will learn about your rights and legal permits that are granted to you. The boundary disputes can be addressed with the help of an efficient surveyor.


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Psoriasis Salve restores beauty by providing an abundant supply of all 11 essential amino acids.
Applying this twice daily will soften placque and help restore your skin. We have found this to be well tolerated with active physician prescribed medications. And it seems to be helpful making the skin look great.
We offer this product with and without Salicylic Acid, for a potent but calming salve. Sometimes with raw skin if the placque separates there can be burning. Magicalm plus proves soothing support for this.
Supported by natural skin care ingredients, this salve supports beautiful skin with protein amines. This creates a novel healing and beautifying process. It takes about a month of twice-daily application to see improvement.
Psoriasis Salve helps. We provide all the essential amino acids to help the skin restore beauty.
Did you know that people with psoriasis turn replace all their skin in 6 days, while most everyone else does this in 21 days. This means you need almost 4 times as much protein to just replace the normal turnover. We provide enough amino acid protein to do this with great success.
This salve offers the great Amino protein beautifying treatment especially designed for those with psoriasis. Protein amines for skin have long been used to beautify. This confection truly brings out the clear beauty for even those with psoriasis. These ingredients beautify, while natural healing within your body rebuilds your skin.
The FDA has not evaluated this information.
Apply twice daily. It will take 1-2 weeks to see a significant change by 2 months serious improvement becomes visible.
If Psoriasis Salve is too drying, alternated with PS Salve NS that does not contain Salicylic Acid.

industry_corpus2: Biopharmaceuticals


text: A special rate of $150.00 (plus tax) per night has been arranged for the conference. Call 800.228.9290 by November 21, 2019 to make reservations. Mention the Health Care Compliance Association for the special room block rate. Please note that the room block may sell out prior to the cut-off date.

industry_corpus2: Health & Medicine


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Farmworkers should have the right to be represented.
If abandoned by a union, farmworkers deserve the right to vote. The right to have their voices heard and the right to be represented.
Don’t take this choice away from them. Farmworkers deserve to have the same rights and protections as every other worker.
Gov. Brown – What About Pension Reform?


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When TV presenter Kate Humble learned that a council-owned farm was about to be broken up, she was determined to save it. Katie Jarvis enrolled on one of the rural skills courses that Kate and husband Ludo Graham are now running at Meend Farm in the Wye Valley.
Anecdotes tell you everything. So if you want to know what Kate Humble is really like, then listen to this. Were standing in a barn, surrounded by the white noise of sheep baa-ing, and Kate is introducing me to various people. This is Katie Jarvis, a journalist Ive worked with, she says.
So lets leave it that I have indeed, of course, worked with this engaging TV presenter who loves science and nature and who puts her money where her microphone is. For if you want an even more in-depth picture of Kate Humble, then go to the 117-acre Meend Farm she had her husband, Ludo Graham, have acquired, just over the Forest of Dean border, high on the stony hills of Monmouthshire. And enrol just as I have on one of the courses theyre now running there. Im about to learn Orchard Planning and Planting despite the fact that my garden can barely accommodate a bag of apples, never mind the tree. Not that that matters a whit to Kate.
Id love it if a lot of the people who came and did courses here maybe the how to keep a pig course lived in a flat in the town, she says. The point is that theyll have had a day coming up-close-and-personal with a pig. If youve not met a pig before, its so exciting. Actually she says, come and meet Myfanwy, who is the most perfect pig in my eyes. And she drags me willingly off to meet a Berkshire pig the size of a three-seater settee, who, despite some serious sunbathing, graciously finds the time to accept a scratch.
meat and I certainly shouldnt keep animals that are going to be meat.
And so to the orchard course Oh, um, via the lambing shed where, as a touching aside, we nine novice tree-planters are taken to see three tiny, floppy bundles of wool, just a couple of hours old. Its like Lambing Live, live: Now a ewe only has two teats, so what happens when she gives birth to more than two lambs? Kate asks Tim Stephens, her tenant farmer, whos looking after them.
The temptation is to leap up and down with my hand in the air, shrieking, Can I bottle-feed? Choose me! But, as I rightly suspect, this is a charmingly fleeting distraction. For the only bottles involved in my course are filled with cider from the rosy apples well have grown (in several years time, that is). In the meantime, horticultural expert Aisling Judge is going to teach us how to choose the ideal spot and the perfect specimens for creating orchards full of apples, plums, cherries and pears. And so begins one of the most fun days Ive had, in which we get to know the other course participants (such as Chris, a medical researcher, Helen, who lives in London but grew up in Berkshire in the days when you could ride a pony without juggernauts thundering by and Hari and Colin, who run the nearby Tudor Farmhouse Hotel); test soil for acidity, eat some fantastic food, drink a lot of cider from Broome Farm at Peterstow, a few miles down the road and dig some very big holes. Great idea, getting us to pay to come and plant your orchard! joshes one of our crew, but with a wide grin and Ludo grins back, good-naturedly.
Kate clearly doesnt quite believe it herself. Wed actually only been looking for a bit of extra land to add to the four-and-a-half acres weve got at home, but we were told about a couple who were retiring from a local council farm and we arranged to meet them. We sat in their kitchen, having a couple of tea, and learned that, as soon as they went, the farm would be broken up and sold.
Thus was born (some might say) an utterly madcap plan. Kind, empathetic and wholesome but madcap nonetheless. Luckily, Ludo a BAFTA award-winning TV producer shared the insanity. To cut a long story short, this inspiring couple convinced the council to sell the land to them (with the council keeping a minority share, just to ensure they couldnt sell on for a quick profit.) (As if.) They then let the farm to Tim and Sarah Stephens, who rolled up with their Welsh ewes, Hereford cattle, horses, dogs and a cat. Sorted Oh, except Ive missed out the clever bit.
For Kate and Ludo wanted real involvement, so theyve put together a host of rural skills courses for the general public that theyre running from one of the barns on site. Things like hedge-laying, foraging, animal husbandry, as well as todays orchard course. So committed are they that Ludo has given up his TV work (I hit 50 last year and thought: I dont want to be doing television for the rest of my life) and Kate will be around as much as filming permits. Today, for example, she does everything from helping to serve the delicious lunch pork stuffed with apples, celery and chorizo with balsamic and crab-apple chutney and baked pear pots to washing up afterwards.
And, yes, she is fantastically busy. Shes stepped down from Springwatch because, if I were to carry on with it and the other things Im doing, even my mum would be bored of me on telly! Her recent BBC 2 series, Orbit, saw her travelling the world, following the orbit of the sun, and shes just about to embark on another as-yet-top-secret live series. Intriguingly, all she can say is that its something thats never been done before.
Ive been very lucky that Ive been able to make a living from television but its not going to last for ever, she says, pragmatically. Next year, people might not be interested in the countryside, farming or science from a television point of view, they might want more sequins and Strictly Come Dancing. Well, Im not that kind of girl.
With the love and care theyve put into it, it shouldnt fail. I leave my course with mounds of user-friendly information (including a recipe from Kathers Kitchen, who produced the fabulous food), a newly-born enthusiasm for fruit trees, and a healthy outdoor glow.
Despite the fact that, tomorrow, Kate Humble will probably be catching a flight to goodness-knows-where, talking to millions through a TV camera, she says she doesnt do glamorous. Undoubtedly true.
If you want to understand the real Kate, turn off your TV, put on your wellies, come down to her farm, meet Myfanwy, and dig a few holes.


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How did you want to grow & develop this year?
What was your vision for you & the people around you?
What were your plans to become happier & healthier?
At Inspiration to Action we believe that a balanced, positive mind–body connection is necessary to be truly happy & successful to lead a fulfilled life.
The bottom line: Wellness Coaching creates Solutions which are acted upon - You Succeed - You become your Best!


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Slice the strawberries. In a large bowl, toss 3/4 of them with the sugar and orange liqueur. Refrigerate for at least 1 hour to macerate.
Put the ice cream in the refrigerator to soften.
Put the cream and half of the macerated strawberries in a cold mixing bowl. With an electric mixer, whip to soft peak, about 2 minutes. Fold in the softened ice cream.
Distribute the cream among 6 chilled bowls. Mix the plain sliced berries with the remaining macerated berries and place on top of the cream.


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A350 XWB News: Airbus adopting a “minimum-change approach”.
With this approach, the manufacturer is minimizing airframe and cockpit changes on new aircraft, such as the A350 XWB, and focusing more on “aircraft engines and all the systems that are related to engines,” said Enders. EADS also is increasing its emphasis on reliability, delivering aircraft on time with the promised operational ability.
“That drives us, where we can, to modify existing aircraft, rather than going into all new development with all the risks,” Enders said, citing the Airbus NEO program as an example. An Airbus spokesman at the luncheon noted that the “minimum-change approach” also reduces the time to market, is less labor intensive and uses fewer engineering resources.
Enders is not ruling out a second engine option for the A350 beyond the Rolls-Royce Trent XWB should a manufacturer provide a good alternative, but says the lack of an option is not hurting sales of the aircraft.

industry_corpus2: Aerospace


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Paleontologist Kenneth Lacovara is looking to print out some robot dinosaurs.
He wants to use a 3-D printer to create dinosaur bones, based on real fossils, to use in scaled-down robo-saurs. In the same way that document programs can shrink a page to 50 or 20 or 2 percent of its original size, a 3-D printing program can shrink a blueprint for 100-foot-long skeletons to a more manageable size for study.
The assembled dino-bots will help Lacovara, who is based at Drexel University in Philadelphia, Pa., study how 60- to 80-ton sauropods stood, walked and mated. "It's great," he said, "because I physically can't lift up [and piece together] the bones."
"It's this new frontier in paleontology," he told InnovationNewsDaily.
Lacovara will use lasers to scan original, fossilized bones. Then a 3-D printer will make copies of the bones' shape, based on the scans. The printer works by laying down thin layers of plastic, gradually building up the layers into a 3-D object.
Lacovara has already printed a few bones of a Paralititan dinosaur, one of the most massive dinosaur species ever discovered. He, along with an engineering colleague at Drexel, will hook up the printed skeletons with artificial muscles and tendons, creating robots they can watch move. He hopes to have a working dino limb, either of Paralititan or another large sauropod, by the end of the year.
He's not the only biologist who has started using 3-D printing in his research. Others are using the technology to study the bones and movement of fluorescent deep-sea fish and humankind's primate ancestors. The Canadian Museum of Nature in Ontario has its own 3-D printing center for dinosaur fossils.
Besides their re-sizing ability, 3-D printers help researchers create more models more easily than ever. Usually, scientists who want model bones have to painstakingly create molds from original fossils, then use the molds to cast artificial bones. The molds wear out after five or six uses, Lacovara said. On the other hand, a 3-D printer can continue to print crisp, accurate bones indefinitely.

industry_corpus2: Technology & Research


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Searching for Structure – Marseille, France includes sketchbook drawings as well as more than fifty of my favorite photographs from a week in Marseille. I frequently travel to teach drawing and to paint en plein air. My recent obsession with the geometry of utility covers I find in every town and city I visit has brought me back to my early roots of photography. Through the lens of the camera I distills the essence of a city, town or hamlet to better understand the nature of its community and ultimately to express that personality in paint. This is a collection of sketchbook drawings and more than fifty of my favorite photographs taken in Marseille, France in June of 2014.
IPAD: The best way to view an ebook on an ipad is to view it as an “epub” file in the ibooks app. It will be seen the exact same way that it was originally designed to be seen. I can only sell PDF downloads on my website. If you would like an “epub” file sent to you, I will be happy to send you one via email or dropbox after receiving notification of your paid order for the PDF download. NOTE: The PDF may also be viewed on your ipad. The format will be a bit different and you will see a few “!” that are hidden from view on other tablets. Occasionally, text disappears. The PDF will work fine on your computer, either Mac or PC.
KINDLE APP: The PDF file may be viewed using the Kindle App on either the Ipad or other tablets. (As mentioned above, it is better to view through ibooks on the ipad). by using the free “Send to Kindle” software for your computer (either Mac or PC) you simply drag the PDF file to the “Send to Kindle” icon. The file will be reformatted for Kindle and you will receive an email on your device to download the file to your library on the device.. Works like a charm!
Mobi files and epub files: The are several devices that are capable of reading epub files. Mobi files are pretty much exclusively for Kindle. I will be happy to send you either or both files for the ebook you order on my website.
Immediate epub download from Blurb. If you don’t want to wait for me to send you an epub file, an immediate download for ipad is available through Blurb.com for $12.99. The PDF file is not available on Blurb.
PREVIEW OF BOOK This link will redirect you to this ebook on the Blurb Bookstore.
I know this can be confusing. Please don’t hesitate to contact me if you need assistance.

industry_corpus2: Literature & Emotions


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Ozeri Corporation, an emerging consumer brand in the specialty housewares market serving Europe, Asia, and the United States, offers a variety of highly acclaimed household items. The company made its debut supplying five-star vacation destination resorts, with luxurious amenities to fill all kitchen, bathroom, entertainment, and personal needs.
The products increasingly have entered the consumer market, where word of mouth and a loyal customer base allow Ozeri to circumvent traditional marketing expenses and offer uncommonly low prices. Ozeri’s durable, innovatively constructed products for entertainment, fitness, food preparation, and home accessories combine utility with sleek design, inspiring long-term customer satisfaction.

industry_corpus2: Travel & Geography


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Kanchi Mining Projects Private Limited is a Private Company Company limited by Shares. It is registered with Registrar of Companies, Chennai on 07-12-2018.
Current Status of Kanchi Mining Projects Private Limited is Active.
It is a Indian Non-Government Company with an Authorized Capital of 2000000 and Paid Up Capital of 250000.
There are 3 Directors associated with Kanchi Mining Projects Private Limited. They are: DHANUSKODI SHANMUGAVEL, REVATHY, VINOTHKUMAR SHANMUGAVEL, .
As per the records of Ministry of Corporate Affairs (MCA), Kanchi Mining Projects Private Limited's last Annual General Meeting (AGM) was held on , and the date of lastest Balance Sheet is .
Corporate Identification Number (CIN) of Kanchi Mining Projects Private Limited is U14290TN2018PTC126211 and its Registration Number is 126211. Its Registered Address and Contact Email are Plot No. 55, Mahalakshmi Nagar, Uthiramerur, KANCHIPURAM Kancheepuram TN 603406 IN , Tamil Nadu, INDIA. and rankvinothds@gmail.com respectively.

industry_corpus2: Mining


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The CompTIA® Network+® (Exam N10-007) course builds on your existing user-level knowledge and experience with personal computer operating systems and networks to present the fundamental skills and concepts that you will need to use on the job in any type of networking career. It also addresses the content described in the exam objectives for the CompTIA Network+ certification. If you are pursuing a CompTIA technical certification path, obtaining the CompTIA® A+® certification is an excellent first step to take before preparing for the CompTIA Network+ examination.
This course is intended for entry-level computer support professionals with a basic knowledge of computer hardware, software, and operating systems who wish to increase their knowledge and understanding of networking concepts and acquire the required skills to prepare for a career in network support or administration, or who wish to prepare for the CompTIA Network+ certification (Exam N10-007). A typical student taking the CompTIA® Network+® (Exam N10-007) course should have a minimum of nine months of professional computer support experience as a PC or help desk technician. Networking experience is helpful but not mandatory; A+ certification or equivalent skills and knowledge is helpful but not mandatory.

industry_corpus2: Computing & Telecommunications


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Huntington Apartments offers the perfect lifestyle.
These two and three bedroom apartments are at the forefront of the prestigious Jackson Green development, featuring functional layouts and exquisite finishes.
Designed by award winning architects, DKO, Huntington represents the ultimate in modern apartment living, in the heart of the south eastern suburbs.
Located just 20 kilometres from Melbourne’s CBD, the Jackson Green community comprises a newly completed central park and the convenience of nearby retail, public transport, employment and education opportunities.
Huntington Apartments are now selling. Register your interest now at www.huntingtonapartments.com.au to avoid missing out.


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The author/publisher of the Anime/Manga series is not responsible for any contents linked or referred to from pages from this site – The information on this site is for the public.
All the images on the site belong to the respected original owners and are available for public use. The videos however are made by us, so we have the copyrights to them.
This site is not owned by any corporation or company, it is simple a site made by fans for the fans for discussing works of other authors and publishers. We do not intend plaigairizing others work, we are simply giving reviews about them so fans would better understand.
Posts on Recent Happenings/Events, News, Parodies, Episode/Chapter Reviews, Theories, Video and other personalized posts are protected by copyrights.
All the other remaining content on this website/blog, including material in downloadable files, is protected by copyrights of their respective authors and Publishers.

industry_corpus2: Film & Entertainment


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To get a conventional look, you can possess this slab and pillar table inspiration from casa malaparte. Opt for a cupboard with green colour, and then combine it together with granite countertops, white back-splash, and stone slab backsplash. Choose a color of light green to possess a traditional and warm look. For you who like stunning and crying shades, it is possible to get solid green cabinet. Blend it together with black and white floors to get yourself a unique and different comparison appearance on your granite.
When you get a tiny granite, you should consider slab and pillar table inspiration from casa malaparte. Small granite cause you to ought to pick the acceptable appliances to make it fit within the small space. But it will not mean that you should reduce limit appliances which you want. Here several appliances to get smaller granite that can become your suggestion.
slab and pillar table inspiration from casa malaparte are exceptional granite set for your minimalist property. This household home furniture style and style will really reflect chic and cleanness concept of one’s house. Its round and white design actually shows tasteful and one of a kind look, proper? It’s possible for you to select them for your granite decoration. Somebody will feel wonderful to own a seat . Getting granite tables and seats could also ask you to know some advices. Those advice can be taken as the very most useful taste when getting them. Below are some manuals that you experienced personally.
You will find several topics that could be implemented. To begin with, you can make use of white coloring for your entire cabinet parts shade and produce the cabinet to become wholly white. It will not be basic for those who add right hardware that is likely to make the white cabinet become more stylish and awesome. It’s perhaps not only that, you might also apply the thought of utilizing white color solely for your cabinet door whereas the others parts use different coloring or even the all-natural coloring of the timber.
For some black home equipment, vintage accessories will look so amazing and comprehensive black appliances look. When you’ve got black granite island, then you can combine it with together with vintage equipment to allow it to be even more beautiful.
Not just talking about its own material, you are able to also check it from the colour. Most of modern-day granite furniture products are designed with exceptional shade. As an instance, it is possible to come across the vibrant and chic granite solutions. To choose themof course you will correct it with your residence and granite idea. So, there will be suitable look between your granite along with different chambers. Eventually, those are typical some reviews for your slab and pillar table inspiration from casa malaparte.


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The following will be a brief restaurant guide to the downtown Minneapolis area, and isn't intended to be all-inclusive, but covers some of the local chapter's favorites. As a rule, reservations are a good idea on weekends, and dress tends to be on the casual/comfortable side except where noted. With a few exceptions, local eateries won't tend to break a budget, but some can easily run to $100 for two without drinks if you want to try the best.
McCormick & Schmick's: 9th & Nicollet Mall (612-338-3300) Excellent seafood, newly opened sister to the justly famed flagship in Portland, OR. $$$$, worth it.
Great lunches, etc. - Good choices while out walking or exploring.
Downtown, you might try one of the cafes in the IDS crystal court (7th & Nicollet), made familiar by the Mary Tyler Moore show. Several restaurants in adjoining hotels are worth a look, but tend to be pricy.
Otherwise, try your own luck locally. Some of the local spots will be closed for dinner if not all day on Sunday, so best to call if in doubt.
Perhaps you note that the selection is devoid of continental, oriental, Greek or Mexican Places. At the moment, there is very scant selection downtown; but as you know, changes are always occurring, so check with other locals for your particular craving.


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(l-r) Goalie Reese Ava Murphy, Jack Murphy, Senid Godusevie, Jamie Lynn Kibler, Mikelia Giustino, Finn Wiehler, Anthony Ponce, Julian Mendoros, Ronnie Verderose (bottom row, left), David Pemberton, Johnnie Verderose and Carlos Hernandez Jr. Not Pictured: Huloye Diallo and Maeve Ryan.
The AFC Rapid Youth Soccer Club’s Island Current Fleet were crowned the 2015 season’s champions of AFC Rapid Soccer Minor Division on Sunday, November 29. Each player contributed to a successful season which lead the team to the playoffs where they took home the championship trophy.

industry_corpus2: Sports


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Nix Conference & Meeting Management ensures you have time to focus on perfecting program content, developing sponsors, maximizing event promotion and fostering attendee relations. We also offer online attendee registration and trade show registration services to ease the flow of your paperwork. We help you produce a well-managed, cost-effective conference.
Springfield is a welcoming, can-do city with all the amenities you need for a successful gathering. Unique meeting and event venues range from a castle to a sportsman-themed conference center, and the city’s affordability, convenient location, dining options, and top-notch attractions make it the perfect meeting location.
A charming historic community on the Missouri River, just minutes from Lambert St. Louis International airport, award-winning meeting facilities and 4-star hotels; a historic district with more than 125 specialty shops and restaurants; historic tours; and Missouri Wine Country. Plan a memorable conference in Saint Charles.
Discover the St. Charles Convention Center’s 80,000 square feet of flexible, rentable space, perfect for conventions, conferences, meetings, and more. The ideal choice for groups ranging from 20 to 3,000. Attached to the 296-suite Embassy Suites Hotel, and located 15 minutes from Lambert-St. Louis International Airport. Proudly managed by Spectra.
Eagle Rock Retreat Center is located one-hour south of Springfield,MO, one hour north of Rogers, AK. and spans 1,500 acres of gorgeous Ozark mountain vistas. Eagle Rock features year-round recreation and accommodations for up to 250 overnight guests. We offer affordable packages that bundle lodging, meeting, dining and recreation.


text: The contemporary carpets collection is hung for display along the 4m high sliding panels. The long storefront of the showroom flattens and runs across the structural bays of the building it fits in. Divided into three zones by large columns, the sliding panels sandwich and slide out of them completely or partially to choreograph the space from an exhibition open space to an exclusive private showing quasi-enclosed one.


text: Located at the interfaces of terrestrial and marine environments, coastal habitats are inherently vulnerable to the effects of global change. Barrier island systems in particular serve not only as protective buffers against storm events, but also as sentinel ecosystems for observation of the impacts of sea level rise, and of increasing storm frequency and intensity. In the mid-Atlantic region, shrub thickets of Morella species compose the dominant forest community. The often monospecific nature of these plant community assemblages is advantageous to ecological studies and cross-scale applications; the relatively low diversity facilitates transitions between scales. My objective was to investigate the distribution and community roles of lianas in mid-Atlantic barrier island forest communities. I quantified environmental variables at two barrier habitats with differing site management histories and corresponding topography, and found that abiotic factors affected distributions of woody species, which subsequently affected vine species distributions. Some association of prevalent vine species with the common woody plants Prunus serotina and Morella cerifera was observed, though neither vines nor woody species demonstrated significant species-specific phytosociological associations. Vines demonstrated a long-lasting effect of arresting or delaying succession, and are potentially responsible for the lack of redevelopment of mature maritime forest at these sites. At Hog Island, Virginia, remotely-sensed data were utilized to determine the three-dimensional structural effects of vine infiltration in woody canopies. Vines were found to reduce canopy height and depth, and increase density, short-term diversity, and light-intercepting biomass. Significant vine infiltration can accelerate senescence of shrub thickets, but often results in persistent tangled masses of vegetation which reduce recruitment of later-successional species. These effects may represent long-term, lasting impacts of vine establishment and expansion in these habitats, affecting community succession towards diverse and stable maritime forest, and significantly altering resource dynamics in these sensitive ecosystems.


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And now MT-09 is more striking than ever with an intimidating LED twin-eye face. The front winglets and radiator side fins give an ultra-sharp look - and to reinforce the bike’s uncompromising style we’ve designed a shorter tail.
With its radical looks, refined bodywork and higher specification, this unstoppable force is ready to take your Street Cred riding experience to the next level.
This dynamic naked roadster is equipped with a compact aluminium chassis and upright riding position that make light work of everything - from weekday urban riding through to Sunday morning blasts.
The MT-09’s 3-cylinder engine has been developed to embody the essence of Yamaha’s ‘crossplane philosophy’ which is designed to ensure instant throttle response together with strong low to mid-range torque.
To underline Yamaha's attention to every detail, even the muffler receives a makeover and features a flatter surface and a new end cap that contribute towards the MT-09's impression of condensed mass and mechanical beauty.
The new ultra-compact tail end design reinforces the MT-09's athletic Street Cred stance and enhances the bike's aggressive good looks.The upwardly slanted subframe is shortened by 30mm, and to convey a feeling of lightness and agility, the shorter upswept tail cowl features new side grills.
To complement its shorter tail, the MT-09 is equipped with an all-new swingarm-mounted rear fender and rego plate holder featuring a single-sided lightweight forged aluminium stay.

industry_corpus2: Automobiles


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A lot has happened since Working Out Loud was published in June of 2015. Working Out Loud Circles are now in a wide range of organizations and over twenty countries. (Hello, Sri Lanka!) There was a TEDx talk that helped raise awareness. And to spread the practice further, I started ikigai LLC so I could work on it full-time.
Perhaps most importantly, a growing community and I have learned a lot about what works and doesn't work. So I’ve begun to update the book with all we’ve learned.
Since you’re reading this, chances are that you have your own opinions and experiences related to Working Out Loud. Here’s a question for you.
What would make the book better?
There are certain things I thought I would keep the same. For example, many people seemed to like the short exercises and chapter recaps in the first edition. I also have a few specific things I want to add.
A new chapter on how organizations are using Working Out Loud Circles to create a more open, collaborative culture.
More stories showing an even broader range of people who work out loud, and how and why they do it.
Ways the community and I are adapting the practice, including Working Out Loud for Teams and for Communities.
I don’t want the book to be longer, so I’ll eliminate some things too. My intention is to complete the 2nd edition over the next few months and publish it later in 2016.
If you have an idea for making the book better, or have a story you want to share, I would love to hear about it. Just post a comment below or send me email.
Thank you for any suggestions. I'm looking forward to incorporating your ideas into the next edition.
She went on to say that her husband was looking for something different, something more in his career, and she thought the book would help him take a step.
I’ve given away a few hundred books to different kinds of people. People trying to build a business, or who want to change jobs, or are seeking to feel better about the job they have.
I hope this helps you discover even more possibilities.
If you want something more out of work or life, this can help you take a step.
If you already own the book, consider sharing it with someone. If you want to keep your copy, get one for someone you care about.
But here’s the important part. Write a personal note inside. Tell them how you appreciate them and want them to be happy and fulfilled. Tell them you support them. Tell them you believe in them.
That kind of encouragement is one of the most meaningful gifts we have to offer, and it’s a gift anyone would love to receive.
Alina in Perth, Australia inspired me to do something. So did Irina in New York and Diana in Melbourne. They each asked how they could join a Working Out Loud circle.
So far, we’ve spread circles via corporate events. There’s a sample presentation and examples here and here. There’s a list of people around the world pledging to form the first 1,000 circles.
But what if you just want to form a circle on your own? A book club is a simple and convenient way to do that. Everything you need is in this one short post.
Perhaps you've heard about the book or have already read it and want to practice. How do you explain it to other people?
I came across a book I think can benefit both of us and wondered if you would like to read it together as part of a small book club?
If we like the book, then we can form a Working Out Loud circle to put the ideas into practice. That group meets for an hour a week for 12 weeks and we each build our own network toward a personal goal.
Would you like to try this with me?
The book club meeting itself is almost like the first week of the circle. You get to know each other and talk about what you might like to accomplish. Here are 13 sample questions you might use to get the discussion going.
The book’s subtitle is “For a Better Career and Life.” What would better mean for you?
What’s the state of your own network? Do you play “career roulette” or do you feel you actively try to “make your own luck”?
The five elements are purposeful discovery, relationships, generosity, visible work, and a growth mindset. Which do you think is the most important?
The book emphasizes generosity and empathy, and notes that “reciprocal altruism” makes that a worthwhile investment. Do you agree? Do you think you can authentically “lead with generosity” and still experience benefits yourself?
The stories in the book are about people with different backgrounds, education, ages, and goals. Was there a story that you identified with most?
Have there been people in your life who you could have helped you but with whom you lost contact? Why did you lose touch?
Some of the contributions seem so simple, like expressing appreciation or gratitude. Even “I’ve been thinking of you.” Do you feel you do enough of this already?
The book says it isn’t necessary but that social tools further increase your odds: they amplify who you are and what you do; extend your reach; expand the set of contributions you can make and how you can offer them. Do you use social media already? Would you?
In the chapter on making it a habit, there's an emphasis on taking small steps and practicing over time with feedback and peer support. Have you found this to work for other positive habits you've developed?
Did you do any of the exercises? If so, which ones were the most useful?
The last chapter talks about the importance of practice. More than any one technique or even any goal, the key thing is to develop a mindset of working out loud and practice it as “an approach to work and life.” What does that mean to you?
What’s the number one thing you took away from the book?
Would you want to form a circle and put the ideas into practice?
If at least one other person answers yes to that last question, pick a time and place for your meeting right then.
If you do decide to form a book club, I’d like to join you. Send me an email at john.stepper@workingoutloud.comor mention that you’re forming a book club on Twitter, and I’ll reply. Through the rest of 2015, I’ll randomly pick one out of every ten and ask to join your discussion by phone if you would like.
My own experience in Working Out Loud circles is that they’ve helped me make progress toward things I care about while making me happier and more fulfilled. I feel more confident, capable, and connected.
Form a book club and a circle and see for yourself.
There’s a familiar pattern to most book launches. The book signings, the radio shows, the racing for people’s attention in the first 30 days after publication, before the world moves on to one of the other 2 million books published every year.
It’s all good. It’s just not me.
The original blurbs in the front of the book are evidence of these humble beginnings. Instead of celebrities or noted spiritualists, the quotes are from the bookstore managers who first got the book.
A year later, actress Meg Ryan mentioned the book to Oprah in an interview. That led to an article in one of the early editions of Oprah magazine, then more mentions and ultimately interviews. After three years, the book was translated in multiple languages and was on its way to becoming a NY Times bestseller. After eight years, Tolle wrote another book and the two books have sold a combined total of over eight million copies in North America alone. A series of webinars with Oprah in 2008 attracted more than 35 million viewers.
While I enjoyed Tolle’s books and the rags-to-riches nature of the story, what I liked most was how he originally published his book to help other people. He had no hope of making much money with it, yet he did it anyway. And word spread.
That’s my approach with Working Out Loud. It’s meant as a gift. If people find it useful, they’ll tell a friend or pick it for their book club. Some will form a working out loud circle and put the ideas into practice. Maybe a few thousand people might buy a copy in the first year. Maybe word will spread. Maybe not.
Once in a while though, I think of what happened to The Power of Now and imagine if something similar happened to Working Out Loud. What if more people find my gift useful? It might take years but what if millions of people wind up building a better career and life? And since the royalties go to education causes around the world, what kinds of positive impact could we make with that money?
My talk with Oprah wouldn’t be about me at all. When I allow myself to daydream about it, I imagine our conversation would be like this interview with Pharrell Williams. In the middle of it, Oprah shows a video of how other people leveraged Pharrell's work to make themselves and others happier.

industry_corpus2: Subject Education


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I love working the circulation desk at school libraries because that is where I really get a sense of what kids are taking home with them. Checking out a library book is such a commitment for some children. Even though the book is "free," it is fascinating how seriously some kids make their decision.
It is fun to note the continuing popularity of Ann M. Martin's The Doll People and The Meanest Doll in the World at the elementary schools where I work. Girls check-out these books everywhere I sub.
I loved dolls as a girl. I liked stories about dolls and doll houses. My own little entlings did not share my enthusiasm. They tolerated dolls but never really played with them.
house when they were small.
As a girl I read all of Rumer Godden's doll stories.
probably led to my fascination with American Girl doll catalogs.
hmmm ... Tasha Tudor again.
The Newbery award winning Hitty: her first hundred years by Rachel Field was another doll book from my childhood. I think the new edition with Rosemary Well's illustrations make the book more accessible to readers today.
Laura Claycomb as Olympia in The Tales of Hoffman.
Offenbach intended that the four soprano roles be played by the same singer, for Olympia, Giulietta and Antonia are three facets of Stella, Hoffmann's unreachable love...While the doubling of the four villians is quite common, most performances of the work use multiple sopranos for the heroines. This is due to the different skills needed for each role: Olympia requires a skilled coloratura singer with stratospheric high notes, Antonia is written for a more lyric voice, and Guilietta is usually performed by a dramatic soprano or even a mezzo-soprano.
I liked doll stories, too, Camille. One of my favorites by Ginnie and the Mystery Doll by Catherine Wolley. I don't remember it all that well, but I know that I adored it.
Another area where we are soul sisters.
It is a pleasure being soul sisters with you, Camille. Ginnie and the Mystery Doll was part of a short series of books by Wolley, published in the early 70's, I think. I think that they're all long out of print, but I occasionally run across them in used bookstores.
The Best Loved Doll has 23 5-star reviews on Amazon. The cover didn't look familiar -- did it used to have a picture of a little girl taking the doll out of a box, holding it over her head???
Honestly, if it had the word "doll" in the title I read it.
How about The Borrowers? They were one of my favorites when I was a kid.
Oh yes, The Borrowers. I think the idea that dolls had other lives when I was not in the room was part of the fascination. The Borrowers were doll house sized.
Do kids read The Borrowers today? Do teachers read the books to them?
What a terrific post and discussion, thank you all! Some of the doll books you mentioned were my favorites--Hitty, the Rumer Godden books (Miss Happiness and Miss Flower!), a lot of others. I also loved The Christmas Dolls by Carol Beach York.
Some more recent favorites are Dahlia by Barbara McClintock (this is a great book) and The Birthday Doll by Jane Cutler (with wonderful illustrations by Hiroe Nakata). I'll try to think of some others, too!
Anamaria- I had not heard of Dahlia, it looks precious.The Birthday Doll looks sweet too.
It occurs to me that my mother often read me one of the original doll stories, Raggedy Ann and Raggedy Andy stories by Johnny Gruelle.


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In a moderate climate like ours, heat pump advantages outweigh those of a central air conditioner because a heat pump also acts as safe and reliable heating system. Air conditioners only cool, and if you need to upgrade both your cooling and heating equipment, a heat pump can do both with one appliance.
Heat pumps differ from air conditioners in that they have a reversing switch that changes the refrigerant flow from summer cooling to winter heating. A/C systems and heat pumps extract the heat from your home’s air and send it outdoors. A heat pump switches the refrigerant flow and extracts the heat in the outdoor air, using it to warm your home during the winter.
Both air conditioners and heat pumps carry the same energy efficiency ratings called the seasonal energy efficiency ratio (SEER) rating. The minimum starts at 14 for both. Since a heat pump also heats, it carries an additional rating called the heating season performance factor (HSPF) rating, whose minimum stands at 8.2. Higher SEER and HSPF indicate better energy efficiency and lower monthly conditioning bills.
If you’re currently using an electric furnace or electric radiant heat, the heat pump advantages are especially pronounced during the heating season. A typical heat pump will use three times less electricity to create the same amount of heat that electric-only systems use. High efficiency heat pumps cut energy usage by even more during the winter.
Heat pumps are also safer than gas furnaces since there’s no risk of carbon monoxide exposure, and you don’t need to open a gas valve when you need to switch from cooling to heating.
You can also select a heat pump that uses a device called a desuperheater to heat your home’s water during the summer with the waste heat it produces, which reduces the second highest energy expense in the typical home.
To learn more about heat pump advantages, contact Powers Heating & Air. We’ve provided top-notch HVAC services for Peachtree City homeowners since 2001.
This entry was posted in Blog, Heat Pumps and tagged air conditioner, desuperheater, energy efficiency, georgia, heat pump, HSPF, peachtree city, SEER on August 13, 2015 by Powers.

industry_corpus2: Power & Energy


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Just because you’ve been doing it that way for years doesn’t make it the best way. Don’t surrender to so-so, when amazing is just around the corner.
Legal Disclosure This podcast is for educational purposes only and should not be used for any legal decisions. Kimberley Seldon Design Group, Kimberley Seldon Productions Inc., Kimberley Seldon Design and Media, Inc., Business of Design, or any of its affiliated companies or staff is not responsible for any errors or omissions effecting accuracy in any content, and they will not be held liable for the use or misuse of information, facts, details or any other aspects should there arise any defects, errors, omissions or perhaps inaccuracies. Extensive research has been conducted to put this podcast together for the purpose of educating our industry in order to better serve the public. Care has been taken to acknowledge ownership of copyrighted material. The advice and strategies contained herein may not be suitable for every situation. This work is offered with the understanding that we do not render any legal, accounting or other professional advice. Seek the advice of a lawyer and/or other competent professional person in all matters of law. Further, listeners should be aware that internet websites mentioned may change or disappear between when this was recorded and when it was listened to.
As interior design professionals, we LOVE our work because it matters so much. We want our clients to get our best every time, because it’s going to affect the way they live for years to come. But doing our best work isn’t possible if we can’t dedicate ourselves to it. And we can’t dedicate ourselves to it if doesn’t earn us a living.
Business of Design is the best professional advice and business coaching available, and it’s just for you. Our mission is to liberate your talent and skill by showing you how to run a business that supports you, empowers you, and lets you love your work again.
If you’re working as hard as you can and still not making ends meet, it may be time to challenge your assumptions. For instance, would it surprise you to know that you can and should bill for the time it takes to correct deficiencies? Similarly, you also want to bill for the time it takes to order, track and receive items on behalf of clients.
If any area of your business is not working, then make new rules. You are the boss. The boss makes the rules.
If you haven’t already read Volume 1, you should. These are the very foundations that underpin your business.
My one hour Kimberley on Call was so incredibly helpful and exactly the information I needed. Thank you to Kimberley Seldon – who has completely changed my business and continues to do so.
Loving the program… life changing.


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A Cost Effective Way to Capture Website Visitors Who Are On the Fence: Live Chat!
Generating an increasing amount of traffic to your website month after month typically requires a serious investment of some combination of hard work, smart strategy, money, time, content creation, outreach and continual learning and tweaking. And typically, the more competitive your industry, the bigger the challenge and investment.
As smart business owners know, though, generating that traffic is only part of the battle.
Once a qualified prospective customer has been attracted to your website and officially becomes a website visitor, you're looking to convert him into a lead to prevent losing him forever.
After all, what good is traffic if it doesn't generate leads and ultimately customers—and have a direct impact on your revenue?
While high quality, targeted content, visually highlighted calls to action, and captivating free offers (see one of ours for an example) have been shown to increase visitor-to-lead conversions, a simple, affordable tactic that's continuing to gain increasing traction on business websites is live chat.
Times, they are a changin' have changed.
Love it or not, we live in a world where people prefer texting and ultra-quick conversations over calls, emails, and in-person meetings. Live chat allows you to take full advantage of this trend that's continuing to press forward, full steam ahead.
Fortunately, even the smallest of companies can invite increasing amounts of instant interaction quickly, affordably, and easily by implementing live chat.
And the concept is dead simple. When someone visits your site, he or she can contact you (or an associate) instantly and start a chat.
Potential objections are circumvented promptly.
Incorrect assumptions are stomped upon before they cause problems.
Live chat offers your prospective customers instant gratification and removes known deterrents that have the potential to require just enough extra energy to keep your site visitors from asking a question or reaching out via phone or email.
While we're sharing a few of the many live chat possibilities with you here today, we're not making any specific recommendations or endorsements. (No affiliate links here.) You'll need to determine which solution works best for your business's needs and workflow.
OggChat integrates directly with Google Talk and whichever instant messenger service you like. Useful features include live visitor monitoring (wow!), geo-ip tracking, live chat history, and customizable chat windows. Everything is routed through each operator's Google Talk account, meaning there's no need for software or training: whoever is manning the chat simply logs into their Gmail or IM account and starts chatting directly with potential clients. OggChat is both tablet and smart phone friendly.
Olark has made installation a breeze and provides a beautiful, intuitive interface. The Olark chat box is also fully customizable using different themes, colors, and multiple language strings.
JivoSite provides a wealth of useful features including a chat window that look like the friendly and oh-so-familiar to oh-so-many Facebook chat window. The chat window stays on top of the your website so it's always front and center—if that's what you'd prefer, of course. A convenient agent desktop app is available, and JivoSite also makes it free to call using a microphone and speaker through VoIP. Plus, for those who track their online marketing efforts (that’s you, right?), JivoSite integrates with Google Analytics.
Zopim offers a truly full-featured service that includes email chat transcripts and a smart offline mode (meaning you can choose exactly what happens and what visitors see when you're not around). Over 50,000 websites use Zopim, and many are big, big fans due to its automatic translation and its seamless integration with a variety of CRMs.
As there's a good deal of healthy competition in the chat services industry, pricing is typically very sensible, with many companies offering basic service plans for free (usually with limited feature sets).
Wait until next week, when we share with you an affordable, full-service solution that allows you to take care of your prospects and customers through instant chat via your website without you having to do anything. Sound too good to be true? It's not.
While it’s not for everyone all the time (you’ll notice we don’t use it ourselves here at Followbright.com at the moment), millions of companies are finding live chat makes a difference when it comes to capturing visitors who're on the fence while browsing their sites. It's quite possible it could be a powerful conversation-starting and conversion-boosting tool for your website as well.


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The Center for Distributed Learning’s newest faculty development program for online courses, PAL6000, is now available to IDL6543 graduates or OFRA-certified instructors who wish to design and facilitate an adaptive course using Realizeit at UCF. PAL6000 is designed to provide information related to pedagogical, logistical and technical aspects of teaching adaptive courses.
IDL6543 must be completed before enrolling into this program. If you have not yet completed IDL6543, discuss your interest with the chair of your program.
PAL6000 is a self-paced course offered every semester. Participants must complete the required activities to obtain a Certificate of Completion and a PAL credential to be able to teach adaptive courses using Realizeit.
Activities include meetings with their instructional designer, online course readings, and completion of their chosen projects.
If you have additional questions or wish to register for PAL6000, please contact the Personalized Adaptive Learning group at PAL@ucf.edu.


text: Adams, Susan B. 2014. Crayfish use of trash versus natural cover in incised, sand-bed streams. Environmental Management 53:382–392.

industry_corpus2: Water Resources & Marine


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1You should think of us as Christ's servants, who have been put in charge of God's secret truths. 2The one thing required of such servants is that they be faithful to their master. 3Now, I am not at all concerned about being judged by you or by any human standard; I don't even pass judgement on myself. 4My conscience is clear, but that does not prove that I am really innocent. The Lord is the one who passes judgement on me. 5So you should not pass judgement on anyone before the right time comes. Final judgement must wait until the Lord comes; he will bring to light the dark secrets and expose the hidden purposes of people's minds. And then all will receive from God the praise they deserve.
6For your sake, my brothers and sisters, I have applied all this to Apollos and me, using the two of us as an example, so that you may learn what the saying means, “Observe the proper rules.” None of you should be proud of one person and despise another. 7Who made you superior to others? Didn't God give you everything you have? Well, then, how can you boast, as if what you have were not a gift?
8Do you already have everything you need? Are you already rich? Have you become kings, even though we are not? Well, I wish you really were kings, so that we could be kings together with you. 9For it seems to me that God has given the very last place to us apostles, like people condemned to die in public as a spectacle for the whole world of angels and of humanity. 10For Christ's sake we are fools; but you are wise in union with Christ! We are weak, but you are strong! We are despised, but you are honoured! 11To this very moment we go hungry and thirsty; we are clothed in rags; we are beaten; we wander from place to place; 124.12: Acts 18.3we wear ourselves out with hard work. When we are cursed, we bless; when we are persecuted, we endure; 13when we are insulted, we answer with kind words. We are no more than this world's refuse; we are the scum of the earth to this very moment!
14I write this to you, not because I want to make you feel ashamed, but to instruct you as my own dear children. 15For even if you have 10,000 guardians in your Christian life, you have only one father. For in your life in union with Christ Jesus I have become your father by bringing the Good News to you. 164.16: 1 Cor 11.1; Phil 3.17I beg you, then, to follow my example. 17For this purpose I am sending to you Timothy, who is my own dear and faithful son in the Christian life. He will remind you of the principles which I follow in the new life in union with Christ Jesus and which I teach in all the churches everywhere.

industry_corpus2: Others


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