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Mayonnaise is one of the most popular condiments used all over the world. For example, in the USA, people spend $2 billion on it each year. However, it turns out that mayonnaise can be used for more than just food since it offers lots of beauty and household benefits as well.
Bright Side made a list of the most unexpected ways to use mayonnaise that you definitely haven’t heard about before.
If your fingernails are brittle and prone to breakage, a bowl of mayo is the best way for you to start a manicure at home. Simply dip your fingers into mayonnaise and wait for about 5 minutes, then rinse the substance off. This bath will make your nails look stronger, healthier and will soften your cuticles.
To nourish your dry skin, take some mayonnaise and add a teaspoon of olive oil to it. Stir the substance well and apply it to the dry areas. Let the mixture sit for about 10 minutes, then wipe it away with a damp cloth. The oil and vinegar in the mayo will keep your skin hydrated and prevent it from flaking.
If you want to ease pain caused by minor burns and sunburns quickly, you can apply mayonnaise to the affected areas. The condiment will soothe your damaged skin, keep it moisturized, and reduce the burning sensation and redness. And the vinegar in the mayo will act as a natural anesthetic to numb the pain.
Do you need to remove bubble gum from carpeting in your living room, a table in the kitchen, or from your own hair with ease? Just apply a little mayo to the gum and massage the substance into the unwanted hunk instead of rubbing and scrubbing. The oily condiment will loosen the gum’s grip and allow it to be removed without leaving a trace.
If you suffer from dry and straw-like hair, mayonnaise will come to its rescue. All you need to do is replace your everyday hair conditioner with this condiment. The egg yolk in the mayo contains lecithin that will encourage hair growth while the vinegar will exfoliate the scalp. As a result, you’ll get soft, healthy, shiny hair.
Mayonnaise is also a natural lice killer. To get rid of these annoying parasites, apply a little mayo onto your hair, cover it with a shower cap and leave on for about 8 hours. After that, remove the substance with normal shampoo. Vegetable oil in the mayo will act like a glue that can suffocate adult and young head lice.
Have your kids turned the walls in your house into a canvas? Instead of scolding them, take some mayo and a sponge and coat the crayon marks with the condiment. Let it sit for about 5-10 minutes and then wipe it off with a clean cloth. The mayonnaise will neatly clean up the walls without affecting the paint.
Mayonnaise is one of the best natural silver polishers. So if you want to make your silverware shine without using chemical substances, simply apply the mayo to your spoons and forks with a soft cloth, then rinse it off. The mild acidity from the lemon will remove the tarnish and the oil will leave a beautiful shine on your cutlery.
To remove stubborn sticky price tags from your glassware, take the following steps. Firstly, rub the sticker with your fingernail to remove as much sticker residue as possible. After that, apply a small amount of mayonnaise to the remaining sticker and let it sit for about 15-20 minutes. The glue will loosen and you will be able to peel it off completely.
If a squeaky and creaky old door hinge is driving you crazy, there’s no need to rush to the nearest hardware store and buy a special lubricant. Instead, open your fridge and take out a bottle of mayonnaise! Apply a dab of the mayo to the hinge, then open and close the door a few times to distribute the substance. Enjoy the silence!
Did you scratch your wood dining table with a knife or accidentally crack your favorite statuette made out of wood? If something like that happens, fill the crack up with a generous amount of mayonnaise and let it sit for a couple of days. With time, the combination of protein and oil will moisturize the wood and cause it to swell. And the fats in the mayo will help seal the crack leaving it less noticeable.
Do you know of any other ways to use mayonnaise? Share your experience with us in the comments!


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If you’re to possess a effective e-mail advertising campaign there are specific elements that you simply should consider. Each specific element should be planned and managed from starting to finish. There are lots of elements to think about however i have made the decision to pay attention to things i feel are the five ESSENTIAL factors that every e-mail advertising campaign simply Should Have to achieve success.
1. Building Your E-mail Database.
completely miss) and it is a listing which may be marketed to again and again.
The strength of developing a list, and creating a reliable relationship by using it, is really a goldmine. The numerous tales you hear and see about on the web, regarding immeasureable money, generally involve an internet marketer, or marketers getting a really big list of email contacts, that they can send a deal to, having a simple push from the “send” button.
Imagine having the ability to send an immediate message to thousands and thousands of potential customers, imagine how easy it’s to earn money online. If you concentrate on optimisation you’ll be creating a lasting business legacy for your family.
2. Create an Irresistible Offer.
The very best email marketing campaigns usually involve an irresistible offer. So you have to do your researching the market to discover what problems or pains your target audience (niche) is struggling with and for that reason searching for any solution. When I have formerly stated, if you’re concentrating on creating a having faith in relationship together with your list, you are able to very easily do that having a questionnaire.
The very best email marketing campaigns will normally function as the ones that have a responsive and having faith in clientele because of constant contact via email, and also the provision of problem-solving information, with perceived value, that you’ve delivered to them frequently.
3. The E-mail Subject Line.
The e-mail subject lines are the most likely the key to the e-mail. In the end you would like your email to become read not? Then when choosing your subject line don’t forget this, it is just role is to guarantee the email is opened up… period!
The very best kinds of subject lines usually involve the asking of the direct question concerning the particular problem you’re addressing, for example ” Are You Currently Searching For Any Magic Formula to get rid of Debt” or ” Do you want to Lose 10lbs in ten days”. With no awe-inspiring subject line, your e-mail marketing campaign is condemned immediately.
You must understand your open rates and click on through rates, at the very least. No email campaign is finished without having the ability to test the response rate. It as being vital to the prosperity of your company that you should easily learn how your advertising campaign goes, knowing this you may make the required alterations in enhance the outcomes. You Have To measure all aspects of your campaign.
Fortunately using the creation of the autoresponder, it’s very easy to get this done, the majority of the top autoresponder providers (Aweber, GetResponse, ConstantContact) will give you this facility included in the fundamental membership. with definite tracking tools you’ll be able to differentiate open rates, click on rates, bounce rates and remove yourself from list rates.
As pointed out earlier, your primary focus Ought to be on creating a having faith in relationship together with your list. Thing about this requires you to encounter like a friend. Just how do buddies speak with one another? Well they’re a minimum of (or ought to be) on Name terms. Then when writing your emails think about using the ability in your autoresponder, which enables you to definitely insert the name from the intended recipient.
Should you consider this, it’s a magical factor, because even though you have a large number of names in your list you may make every one of these PERSONAL, and that’s truly rocket fuel for just about any e-mail marketing campaign.
The internet is a very cost effective and efficient place for marketing. With the up rise of technology, most markets have moved online with online supermarkets. Use Singtel media’s EDM solutions to reach to the doorsteps of 800k users via mails sent directly to them.
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industry_corpus2: Computing & Telecommunications


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Our team of real estate agents and brokers specialize in buying and selling land, from farm land and hunting land to ranches, acreages and plantations. Contact a land professional in our Vergennes, Vermont, office below and browse our Land for Sale in Vermont.
Fill out the form below and click "Send" to contact Peter.

industry_corpus2: Real Estate & Construction


text: A coworker you barely know. A rich friend who already has everything. A girlfriend the night before Valentines day. Submit your questions to hello@noboringgifts.com, and we’ll help you out.

industry_corpus2: Others


text: All bright steam cleaning services philosophy is simple – outstanding customer service, the best network for your present and future needs and your complete satisfaction. Don't risk your communications – call us now. All bright steam cleaning services is a customer-focused and quality-driven Home Services (Home and Building Services) business based in Morphett Vale, SA . We take great pride in the work we do.We have built and maintained a loyal customer base, which includes domestic and commercial clients. We became established throughout Morphett Vale and surrounding suburbs by offering excellent customer service and maintaining both integrity and accountability of our work. We guarantee quality results and are totally committed to customer satisfaction. If you live in Morphett Vale or surrounding suburbs, please get in touch for all of your Home and Building Services needs.


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The regular opening times of Ladbrokes Market Street in Brighton are Monday to Friday 10AM-7PM, on Saturday 10AM-9PM, on Sunday 10:30AM-6:30PM. View the actual opening times of Ladbrokes Market Street in Brighton in our branch locator.
For more information about opening times on Sunday or late night shopping make sure to view the information in the designated blocks. If this Ladbrokes isn’t nearby your location you can use the 'Map & Directions' tab to find the fastest route to Market Street in Brighton. This location’s coordinates are specifically 50.8215 latitude, -0.139763 longitude. To contact this Betting and gaming by phone you can dial 08000223454 during business hours.

industry_corpus2: Gaming


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Sticky: You can't reply in the News forum!
ReactOS v4.10 Released 6th Nov 2018.
"second" now replaced by new unit "flick".
Last Dolby AC-3 Patent Expires?!
Linux Mint 18.1 Released (Serena).


text: When you can find right implies of conversation while using the relevant info that may be passed on from just one particular person to another individual or a number of men and women concurrently, determined by the context, there would be beneficial results from the procedure alone. Hence, it's critical for all those who're looking forward for Get the facts to ensure that they unfold throughout the marketplaces, each of the suitable inputs about their attributes, its proportions, dimensions and shape and range of flooring and rooms if there is a constructed household about the land too given that the undivided share of land that would be owned by the long run prospective buyers in order that they'd have the ability to efficiently entice the eye in their prospective buyers. This will permit the sellers to become contacted by those who are fascinated also as possess the essential money to become invested into considered one of the very best ca homes for sale mar vista that they would have planned to reside with their family members, which might later on be passed on towards the next generations and construct their households in there comfortably. It really is essential for the purchasers to also have a checklist that includes of a number of aspects and ensure that they endure the assorted listings in the categorized columns that enlist info with regard to the numerous aspects about the house plus the property to empower the audiences to decide on whether or not they would like to commence even further with the profits approach or should they look ahead to determining any other residence within the identical community that could suit for their specifications inside a superior fashion. After the information and facts is mulled more than by their prospective consumers, these purchasers would then check out the homes available by ca real estate mar vista in person and make sure that their option is most effective to move forward with title modify.


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Thought it was 2 days hence.
To remove all the suspense.
Everything caught up to speed.
A big celebration is in need.
One of those land mark dates.
Plenty of memories to relate.
With no address for sending.
My best wishes I send.
And being a very good friend.


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“I don’t just see art on the walls, I see windows into the community,” said Vaughn Warren, one of three judges in the “Art Exposed” community exhibition.
Throngs of viewers, artists and one sweaty arts reporter stood shoulder-to-shoulder in the Old Kamloops Courthouse, anxiously awaiting the results of the judging. Artwork in various mediums, 2D and 3D, covered any and all spare space on the walls, constructed room dividers, hallways, and platforms.
The unique aspect of this gallery opening is that it features local artists, all with varying skill levels.
“It’s nice to see this facility packed with art and full of people. It was an open exhibition, meaning it wasn’t juried to enter the competition. The idea was inclusivity,” Warren said.
“The ages and talent levels in this show couldn’t have been more diverse. In the juried selection, I think, the youngest artist was 15 and the woman who won was 77. As far as skill levels go, you’re seeing competent to expert,” he said.
The Kamloops Art Council’s “Art Exposed” exhibition opened on Friday, Feb. 27. It features paintings, drawings, photographs, sculptures, clothing and many other media.
Local artist Wendy Patrick took first place in 2D with a close-up drawing of a section of the Great Wall of China. Patrick describes her process as intricate and deliberate.
“It takes an hour per square inch to do my drawings. I’ve drawn all my life, it’s always been my medium and I love it,” she said.
Many artists have their work available for sale or rent, but Patrick opted against selling hers.
“When I brought them in, I said, ‘I feel like I’m delivering my babies!’ I couldn’t bring myself to sell this one,” Patrick said.
Shows like “Art Exposed” function as a networking and support tool for artists. Kirsten Atkins has been a working artist since 1988 and was awarded a honourable mention for one of her works.
“The Arts Council here has got to be the most supportive. I come from a town that is all art, the Klondike in the Yukon. Coming from there, where it’s really hard to break into a scene, they are very noses up. If you fit in, you fit in,” Atkins said.
Atkins, and others, find support through their fellow artists and the arts community that time and time again echoes sentiments of inclusivity and collaboration.
“You’re always seeing new and upcoming artists. Young, or even older and just entering the art scene. Generally their art is well received, tonight’s show is proof of that,” gallery viewer Bonnie Bylsma said.
“We are known to be the tournament capital of Canada, [with] the whole sports scene and that’s wonderful. But I love this other piece that we have. We have the symphony, theatre productions of such high quality, and local visual artists,” she said.
If viewers are interested in checking out the work in a more laidback setting, away from the droves of viewers that were the hallmark of opening night, “Art Exposed” is open to the public from 10 a.m. to 5 p.m. until March 8.
As with any other community, non-profit organization, the Kamloops Art Council is always in need of help, be it in the form of donations or volunteers.
The most pressing issue for local artists, according to Warren, is the lack of space to display work.
“[They need] venue space, to just show art. It’s tight in town. It crosses over to live music, too. It’s tough to find a venue space in town that works. There’s a selection, but it isn’t robust,” Warren said.
Getting exposure as an artist, be it a musician or otherwise, continues to be one of the biggest obstacles. With a community as large and supportive as Kamloops, local artists need business owners to come forward with venue space.
With a continued mindset and practice of collaboration and support, the future looks bright for the Kamloops art community.

industry_corpus2: Film & Entertainment


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This Black Friday, New York & Company will be giving away $100,000 to one lucky shopper and $500 to winners in every store! Shop early and be one of the first 200 shoppers at a New York & Company to get your access code for your chance to win!
The Grand Prize winner, who will be selected in a random drawing on or about 12/1/2014, will walk away with $100,000! A total of 512 store prizes, one for each participating New York & Company store location, will also be awarded and each consists of a check for $500.
Before you enter the sweepstakes, you must obtain an access code. There are two ways to obtain one as described below.
1) Purchase: Shop at a New York & Company on Black Friday and be among the first 200 shoppers to make a purchase to receive an access code.
2) Without Purchase: You may also obtain an access code by visiting nycosweeps.com starting at 6:00:00 pm ET on Thanksgiving Day.
Please note there is a limit of one (1) access code per person throughout the Promotion Period, regardless of store location visited or the number of purchases made, and each access code may only be used one (1) time to enter the sweepstakes.
Once you have your code, visit nycosweeps.com to get started. Next, follow the instructions to complete and submit the registration form including the code to receive one (1) entry in both the Grand Prize Drawing and Store Prize Drawing.
You may obtain your access code beginning at 6:00:00 pm ET on November 27, 2014 and you must submit it no later than 11:59:59 pm ET on November 28, 2014 to be eligible for the sweepstakes drawings.
In order to participate in the New York & Company $100,000 Sweepstakes, participants must be legal residents of the fifty (50) United States and the District of Columbia, who are 18 years of age or older (or the age of majority in their jurisdiction of residence) at time of entry. Void in Colorado.


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Tired of travelling around to find your next Motability vehicle?
We have recently held two group Motability Events in Medway and Ashford.
The purposes of these events was to take the strain out of travelling around to find your next motability vehicle by bringing a number of our brands under one roof for you to explore and compare.
We have received fantastic feedback from people who have attended these events, therefore we plan on holding more in the future.
Register below and we'll keep you updated as to when and where our next event will be.

industry_corpus2: Automobiles


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I can’t believe its Thanksgiving time once again. This year has FLOWN by, hasn’t it? Maybe its the perils of getting older and time doesn’t drag on the way it used to…or maybe its a side effect of a life that is too often spent being too busy to relax and enjoy it.
It seems like just yesterday I was gearing up for the first of many first holidays without my mom. It was a tough day…and there have been good and bad days since. This year, I will be spending this day with my father and some family friends at a communal dinner – the gathering of the orphans, in a way. I’m happy to have friends and family to spend the day with.
After months of a drought…and a looming water crisis…it rained today. Thanksgiving. Coincidence? I think not.
I’ve been blessed with a busy, successful, and creative year of work. I am so lucky to be able to do something I truly love for a living.
For my two fuzzy friends, Brumby and Floyd. What would I do without the cat barf and the purring vibrating pillow at night? Sleep better…but I digress.
My friend are amazing. They are my family, my heart, my belly laughs. It’s a very selective group…and I like it that way. I surround myself with good people.
This blog. I’ve said it before…and I’ll say it again: I feel so lucky to be able to have this blog…to have a voice that reaches further than I would have ever imagined…to meet wonderful & talented people from across the globe. This blog and the people involved in the food blog world inspire me.
During my week of cooking, I wanted to make something that I could share with my friends that might have other plans for the holiday. Since I wouldn’t be able to spend it with them, I wanted to share a part of me with them. I made this Chocolate Chip Pumpkin Bread in small loaves and gave them away. It’s absolutely divine (once I realized that the recipe was all wacked out with left-out ingredients and I had to troubleshoot it, that is). It’s the most not dry, flavorful pumpkin bread I’ve ever had. I also made a version with the new cinnamon chips, which was awesome as well.
Beat eggs and sugar together. Add oil, water and pumpkin to egg mixture and mix flour, soda, salt and cinnamon together and add to pumpkin mixture. Stir in as many chocolate chips as you like (6 to 12 ounces). Pour in 2 or 3 greased bread pans and bake at 300 degrees for 1 1/2 hours.
Perfect timing! Pumpkin bread is on my ‘to do’ list for the weekend!
Have a lovely Thanksgiving…and I understand about the cat barf – except for me it’s dog….
Happy Thanksgiving Tammi. I lost my Mom and Father over the past few years and it is hard ,especially at holidays. But you have the right attitude which contributes to your happiness and success.
You weren’t kidding about the cooks.com recipe and left out ingredients…..I wonder how apple sauce would work for moistness? Is there any alternative for the 1 c. oil? I LOVE PUMPKIN and CHOCOLATE together….
I love pumpkin during the holidays…it is such a comforting flavor especially coupled with the spice of Cinnamon, allspice and nutmeg. I just recently tried a pumpkin recipe as well. I never thought to mix pumpkin and chocolate together…it sounds really good! Have you ever tried to putting more spice in this recipe? Nutmeg and Allspice maybe?
This has become one of my favorite holiday recipes! Thanks for posting it!
Could you possibly mean 2 TEAspoons of soda, as opposed to 2 TABLEspoons?

industry_corpus2: Hospitality & Catering


text: Producers Terry Cashman and Tommy West knew a good thing when they heard it; they shopped Jim Croce's YOU DON'T MESS AROUND WITH JIM to dozens of labels before ABC picked it up. The 1972 collection, Croce's third studio set, proved the charm for the amiable singer-songwriter, spinning off a Top Ten single in the comic title track and another hit in the heartfelt ballad "Operator (That's Not The Way It Feels)." Also among the dozen originals here is the classic "Time In A Bottle," which was issued as a single after Croce's untimely death and helped push YOU DON'T MESS AROUND WITH JIM to No.1 on the U.S. album chart on this day in 1974.


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Christopher Ward, one of the British origin brands of the watchmaking industry, introduced its latest model C9 Me 109 Single Pusher Chronograph which is inspired by the early years of aviation. The new model attracts attention with its in-house single pusher chronograph movement and affordable price tag.
The boutique brand’s new model C9 Me 109 Single Pusher Chronograph is based on the Junghans Bo-Uk-I cockpit clock used on WWII era military aircrafts. Normally, the brand’s creations are mostly inspired by the vintage pilot watches of British Royal Air Force. However, C9 Me 109 does not follow this pattern. The co-founder of the brand comes across a Messerschmitt Bf 109, which is arguably the most popular aircraft of the Luftwaffe (World War II era German Air Force), and notices the Junghans Bo-Uk-I mounted on its cockpit and decides to design a new model inspired by that clock. That’s how the model’s name emerged.
Interestingly, the similarity between the new model and its inspiration is not limited to aesthetics. The Junghans Bo-Uk-I founded on the Messerschmitt Bf 109’s cockpit was powered by a manual winding movement which seemed like an old version of the famous Unitas 6497. Christopher Ward, who did not skip such a detail like that, designed a hand-wound movement with a column-wheel chronograph module that can be operated with a single pusher winding crown. The new caliber is added to the product line of the brand with the reference “JJ02” and partially black DLC coated to match with the overall black theme.
Just like the vintage cockpit clock, C9 Me 109 is also offered in a black case. Measuring 43mm in diameter, the stainless steel case is black DLC coated and equipped with scratch resistant sapphire crystals on both sides. The case features a big crown with embedded pusher for operating the chronograph functions as start/stop/reset.
The new model’s dial is finished in black. The Bi-Compax chronograph lay-out dial is accompanied with Arabic numeral hour marker at 12 and 6. The rest of the indices and the hands are designed in baton style with darker SuperLuminova phosphorus material fillings to match with the retro concept of the model.
Christopher Ward C9 Me 109 Single Pusher Chronograph comes on an aged brown calf leather strap accompanied with a black DLC coated stainless steel pin buckle. The MSRP for the model is € 3,370.

industry_corpus2: Manufacturing


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One of the most frightening experiences a pet owner can have is a lost pet. Microchips are a great way to protect your pet. With a microchip, your lost pet can be identified quickly and returned to you. Even if your pet stays in doors most of the time, there may be a time when he or she gets out and is lost. At the FAN VET, we recommend all pets have microchip implants. The microchip is a permanent, safe & reliable way to improve the chances of reuniting a lost pet with their owners.
During an office call, the chips are quickly and easily implanted with an injection under the skin. The microchip has a unique number that, when registered, will link that number to you and your contact information. Animal Control, Humane Societies and most veterinary clinics routinely scan found pets for microchips.

industry_corpus2: Agriculture & Fisheries


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A maiden voyage from Europe on 3 October 1752 was the start of a legacy and set in motion the story of the 2nd oldest wine estate in South Africa owned by the same family. Each of the seven generations contributed in their own unique way since 1822.
The second oldest family owned wine estate in South Africa, Deetlefs is steeped in seven generations of history since 1822. Situated at the foot of the Du Toitskloof Mountains in the Breedekloof Valley, in the small town of Rawsonville, the land has firmly become a part of the estate, vineyards and wine.
As seventh generation Owner and Managing Director, Kobus Deetlefs has continued to carry on the family traditions and bold individual approach of wine making, instilling a culture of consistency and strength in everything they do. Sustainable growth and well structured, clear guidelines and policies are important to the estate and are reflected in the production, bottling, packaging and efficient supply chain management of the wines.
Deetlefs currently produces three different ranges of wine, each with a unique story and specific purpose. The ranges include Deetlefs Familie, Deetlefs Estate and Stonecross. Since 1994 the focus has been on international markets and today more than 80% of the wine production is exported, taking Deetlefs to all corners of the globe.


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In this video, we will discuss the advantage of using _ViewStart.cshtml. Please watch Part 59, before proceeding.
2. Maintenance overhead. To use a different layout file, all the views need to be updated.
ASP.NET MVC 3, has introduced _ViewStart.cshtml. Specify the Layout property in this file and place it in the Views folder. All the views will then use the layout file that is specified in _ViewStart.cshtml. This eliminates the need to specify Layout property on each and every view, and making them more cleaner and maintainable.
If you want a set of views in a specific folder, to use a different layout file, then you can include another _ViewStart.cshtml file in that specific folder.
When I use _ViewStart.cshtml file, can I still set Layout property on individual views?
Where else can I specify a layout file?
Layout file can also be specified in a controller action method or in an action filter.
We will discuss action filters in a later video session.
Can we write some logic in "_ViewStart.cshtml" to dynamically specify which layout file to use?
Yes, the following code will change the layout file to use based on the browser type.
All partial views in my application are now using the layout file specified in "_ViewStart.cshtml". How do I prevent these partial views from using a layout file?
Details action method below, returns "_Employee" partial view, and is using the layout file specified in "_ViewStart.cshtml"
To prevent this partial view from using the layout file, specified in "_ViewStart.cshtml", return "PartialViewResult" from the controller action method as shown below.
What will be the layout file extension, if VB.NET is my programming language?
In our next video, we will discuss using named sections in a layout file.
Your doing a great job. I am very much Thank full to you. In this section i.e. part-60-viewstart-in-aspnet-mvc.html, As you told we can specify layout file path in viewstart, so that maintenance will be easy. But I have a question, why can't we specifying layout file path in web.config. If we specify in web.config, we can read that entry in Razor View right. So, the problem will be resolved right. Can you give me reply for this.
you are doing a good job Venkat, well done..


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New Delhi : The Apple allegation against Facebook and its privacy practices is taking new shape with time. On Wednesday, Apple accused the social-networking giant of breaking its rules and distributing a secret data-collection app to consumers.
Apple has cut off Facebook's ability to offer the tool and test unreleased versions of its consumer-facing apps, an unprecedented move against one of its Silicon Valley peers that quickly resumed the criticism, including the political party Congress that unreleased versions of its consumer-facing apps, an unprecedented move against one of its Silicon Valley peers that quickly.
It has been accused that to get the app on consumers' devices, Facebook took advantage of an Apple program that allows companies to create apps for their own employees and offer them without first submitting them to the iPhone giant for review.
Apple's developer program allows developers to test and use their software outside of its App Store, and these apps are not subject to the same privacy and data policies as those intended for public consumption. Apple said Facebook's practices amounted to a breach of the agreement. In response, Apple prohibited Facebook engineers from using this feature to test beta versions of their primary app and other offerings, including Instagram, according to a source familiar with the matter but not authorized to speak on the record.
"We designed our Enterprise Developer Program solely for the internal distribution of apps within an organization," Apple said. "Facebook has been using their membership to distribute a data-collecting app to consumers, which is a clear breach of their agreement with Apple."
Facebook, in a statement said that the nature of the data collecting app was not secret.
"It wasn't 'spying' as all of the people who signed up to participate went through a clear on-boarding process asking for their permission and were paid to participate," the company said.
Facebook added that less than 5 percent of the users who participated in the research were teens, who signed parental consent forms. But Facebook declined to how say how many young people actually signed up for the app.
The war between Apple and Facebook exploded hours before the social-networking giant reported record quarterly revenues from the fourth quarter of 2018 that beat analysts' expectations. Facebook posted revenue exceeding $16.9 billion, and the company said it had 1.2 billion daily active users. It estimated that about 2.7 billion people use Facebook along with its other services, including the photo-sharing app Instagram and its messaging tools, Messenger and WhatsApp.
Facebook shares soared nearly 9 percent in after-hours trading, after closing up 4 percent during the regular session.
"Our community and business continue to grow," Facebook CEO Mark Zuckerberg said in a statement. "We've fundamentally changed how we run our company to focus on the biggest social issues, and we're investing more to build new and inspiring ways for people to connect."
Apple's decision to punish Facebook reflects an intensifying war between the two companies over privacy. The iPhone giant's chief executive, Tim Cook has faulted Facebook for its data-collection practices since the revelations in 2018 that it mishandled 87 million users' personal data in a scandal that since has become the subject of a federal investigation.
Last year, Cook broadly slammed social-networking companies in a speech for creating a "data industrial complex" that allows those firms to "know you better than you may know yourself." In the meantime, Cook has called on Congress to adopt sweeping new limits on how companies collect and monetize consumers' personal information.
Some lawmakers sharply rebuked Facebook on Wednesday in response to the reports about its data-tracking app. "Wiretapping teens is not research, and it should never be permissible," Democratic Sen. Richard Blumenthal said in a statement. "This is yet another astonishing example of Facebook's complete disregard for data privacy and eagerness to engage in anti-competitive behavior."
Facebook said Wednesday it is shutting down the app to Apple customers. The app, first reported by TechCrunch, had targeted users between ages 13 and 35. In some advertisements for the app displayed on Instagram and Snapchat, teens were targeted to participate in a paid social media research study, and if they tried to sign up were asked to get their parent's approval through a Web form.
Facebook did not respond to questions about if it is still operating the same app for Android users.
Last year, Facebook yanked a data-security app called Onavo from the app store after Apple ruled the app violated its data collection policies. Onavo, which was billed as a virtual private network designed to keep users safe from malicious websites, allowed Facebook to track and analyze users' activity on their phones, the Wall Street Journal reported, giving the company insight into rival apps and new software offerings.
The latest privacy-related issue at Facebook comes on the same day the company will report its quarterly earnings. Last period, the company disclosed slowing user growth, as it loses users in Europe and invests more resources in combating misinformation on the network.


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Vilamoura Beach is on the eastern side of the Marina and a short 5 min walk from Aquamar. It’s a vibrant sandy beach featuring Purobeach VIP – nomad beds, live acts, and resident DJs.
Falesia Beach is on the western side of the Marina and also a 5 min walk from Aquamar. It’s an award-winning destination with beach bars and a long stretch of soft white sand that runs all the way to Albufeira.
Quarteira beach is one of the earliest resorts to be developed on the Algarve coast. It’s marked by a long stretch of golden sand that fronts the town’s main promenade – bustling with quaint shops and restaurants.
Once a small fisherman’s village, Albufeira has turned into one of the largest beach destinations in Europe. Here you’ll find small coves and long beach strands that cater to both families and party-goers.

industry_corpus2: Travel & Geography


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Why do I have to change my condenser when my compressor fails?
Why do I have repeated clutch failures?
When you connect your manifold gauge set to your vehicle with the engine off, both gauges show pressure. What does this mean?
When I replace my compressor, what other parts should I be replacing?
When charging, what should my low and high side pressure be?
What's the minimum static pressure I need for the compressor to operate?
What static pressure should I expect to see?
What is the difference in PAG oils?
What good is a static pressure reading then?
What do all the numbers on the high and low side gauge mean?
Should I test with doors open or closed, high idle, blower on high or low?
If 30 PSI is a good low side pressure, then why isn't the system cooling?
I can hear my compressor clutch engage, but the air out of my vents is warm. What is wrong with my air conditioning system?
How much refrigerant does my vehicle hold?
How do I vacuum my air conditioning system?
How can I tell if the orifice tube is clogged?
How can I tell if the compressor is bad?
Can I use PAG oil on my O-Ring’s?
Can I tell if the system is full with a static pressure reading?
Q: Why do I have to change my condenser when my compressor fails?
Current design condensers are built using micro-channel tubing. The tubing is so small it is imposable to flush contaminants out of the condenser. Failing to replace the condenser can cause debris for previous failures to circulate through the system contaminating the system and can cause catastrophic failures.
Q: Why do I have repeated clutch failures?
There are two major issues that can cause clutch failure, high head pressure and low voltage issues. The most common is high head pressure. If you have a vehicle that has multiple clutch failures, high head pressure could be the reason you are seeing this. Specialty vehicles such as limousines, stretched SUV’s and buses utilize remote mounted condensers. Some of the problems we have seen in the past are under sized condensers for the environment they are operating in, defective fans and fans that are under rated for the application. The second issue is low voltage. Vehicles that operate on a 12VDC system must be able to maintain 12VDC to the clutch. If the voltage is below 12VDC it can cause the clutch to slip and eventually seize. Either case can cause major damage to the compressor and to the air conditioning system.
Q: When you connect your manifold gauge set to your vehicle with the engine off, both gauges show pressure. What does this mean?
This is called static pressure. When the system is off, and temperature is stable, the pressure you see on both the high and low side gauges should be the same, or very close. Both the high and low side of the system have equalized.
Q: When I replace my compressor, what other parts should I be replacing?
Any time you are replacing the compressor you should also replace any gasket or o-ring from the open connections, replace the accumulator and/or the receiver drier, the orifice tube and clean or replace the expansion valve. In some cases you will even have to change the condenser.
In addition to replacing these components you should flush the a/c system using an approved flushing method and flush, you should use the correct type and viscosity of oil per the compressor manufacturers recommendations. Remember not all PAG oil is the same. Failure to replace the above components, flush the system and using the incorrect oil can cause secondary failure and may void you warranty.
Q: When charging, what should my low and high side pressure be?
This is the most asked question there is. There is no magic answer for this question though. There are too many variables. Compressor (engine) RPM and airflow across the condenser are always changing, thus engine speed is always affecting pressure. System design, blower speed, mode setting, refrigerant type, all cause variance in high and low side pressure. For this reason we simply can't say 30 on the low side and 200 on the high side. Though I might add, that's about where you'll usually end up. The reason 30 psi on the low side is just about right is because that translates into an evaporator temperature close to the freezing point of water. Look at your low side gauge and you'll see a temperature scale right next to your pressure scale. That low side pressure translates into evaporator temperature. Since moisture collects on the evaporator, we would like to keep the evaporator temperature slightly above the freezing point.
Q: What's the minimum static pressure I need for the compressor to operate?
Most systems will have a low pressure cut off switch that turns the system off at approximately 6 psi. The compressor will not function again until the pressure reaches approximately 34 psi. So, In most cases, you will need a static pressure of at least 34 psi before you begin to see the compressor operate.
Q: What static pressure should I expect to see?
Keep in mind that the static pressure changes based on temperature. Any change of temperature brings with it a change of pressure. The higher the ambient temperature, the higher the pressure will be. You can use a refrigerant pressure chart to find static pressures at various temperatures. Static pressure is not used to determine if a system is fully charged. Using your pressure / temperature chart you will see that if the R-134a system has a static pressure of 105 psi at 90 degrees F., we can then assume the system has some amount of liquid refrigerant. The system may or may not be full. At the same temperature, if the system showed only 85 psi, we could say with confidence, the system is low. This is because static pressures shown on a temperature chart would show inadequate pressure for the presence of any liquid refrigerant.
Q: What should the high side pressure be?
With R134a it's common to see high side pressure between 2.2 and 2.5 times ambient temperature. On a 90 degree day you should see pressure between 198 and 225 PSI on the high side of an R134a system. The system operates in a specific range based on outside ambient temperature. High side pressure has a broad range relative to temperature because of heat load on the evaporator, humidity, airflow across the condenser, and engine speed.
Manex will never share any information with anyone that is gathered on our website.
Q: What is the difference in PAG oils?
PAG oil comes in several different viscosities PAG46, PAG100, PAG125 and PAG150. The higher the number the thicker the oil is. Every compressor manufacturer requires you to use the correct viscosity oil with their product. Failure to do so can cause catastrophic damage to your compressor.
Q: What good is a static pressure reading then?
By knowing your static pressure reading you will be able to determine if you have adequate pressure to activate your low pressure switch and enable the compressor clutch to engage. Static pressure can also be used to determine if a cylinder of refrigerant is contaminated with air. You can also determine if a system has enough pressure to begin leak testing. Your static pressure should be no lower than 50 PSI when leak testing.
Q: What do all the numbers on the high and low side gauge mean?
The low side pressure gauge (blue) is a compound gauge. This means it can be used to measure both pressure or vacuum. The numbers around the outside of this gauge indicate pressure in pounds per square inch (PSIG), and the numbers near the bottom indicate vacuum in inches of mercury (IHG). The smaller scales near the middle of the gauge list the temperature relationship of different refrigerants. Regardless of which refrigerant is being used, the scale designated as PSI is the one used to read system pressures when charging and diagnosing an a/c system. The working pressure of this gauge is from 0 to 120 PSI.
The high side gauge (red) is used to measure the high pressure side of the a/c system. This gauge has no markings that indicate vacuum. It reads positive pressure only. The working pressure of this gauge is also much higher than the low side gauge. The high side gauge reads from 0 to 500 PSI on most manifold gauge sets.
Q: Should I test with doors open or closed, high idle, blower on high or low?
We should measure high and low side pressure at stable engine speeds. This can be done at engine speeds just slightly above idle. (1,200 to 1,500 RPM is most often recommended) We like to test with the system in MAX position on high blower with the windows and doors closed. We would like to keep engine and exhaust heat from causing abnormal heat load on the evaporator.
Testing should be done with blower speed on high. Low blower speed will reduce heat load on the evaporator to the point where compressor cycling can occur. We want nice stable conditions when testing. When needed, low blower speed can be used to force low side pressure down during testing and adjustment of compressor cut-out pressure.
Q: If 30 PSI is a good low side pressure, then why isn't the system cooling?
Well, there are a couple reasons, but let's look at the most common. Let's take the orifice tube system for example. You can have a system evaporator pressure of 30 psi, and still be low on refrigerant. Let's assume that only half the evaporator is full of boiling, heat removing, liquid refrigerant. Only half the air traveling through the coil is being cooled. Pressure readings indicate core temperature is near thirty degrees, but half the core isn't removing any heat. The system is close to being full, but the discharge air is only slightly cool. On the fixed orifice tube system, most people will charge until the inlet of the evaporator, and the outlet of the evaporator are within a degree or two of each other. That indicates the quantity of refrigerant is enough that the entire coil is being used. At this point, the boiling liquid will spill into the accumulator, thus the outlet tube will be very cold. If the system has a TXV or H block, you will not be able to charge by feeling the evaporator outlet tube like we can on a fixed orifice tube system. The TXV is very efficient and is designed to tightly control liquid refrigerant from spilling out of the evaporator. The area we would measure is in the evaporator box, and not accessible for this purpose.
Q: I can hear my compressor clutch engage, but the air out of my vents is warm. What is wrong with my air conditioning system?
There are several possibilities why your compressor clutch would engage and your louver temperature be elevated. The major reason would be your system is in a superheat condition. Superheat condition means there is not enough liquid refrigerant in the evaporator to effectively transfer the heat. This condition is caused by one of two reasons. One there is a restriction of flow to the evaporator or the second a low refrigerant charge.
The best method to test this is to add a small amount of refrigerant to the system, between 2-4 ounces, depending on the total system charge. If adding the refrigerant corrects or improves the issue, you most likely have a refrigerant leak and the system should be recovered, have the leak repaired, vacuum and recharge the system with the original factory specified amount of refrigerant. If adding the refrigerant did NOT improve your cooling, you most likely have a restriction within the refrigerate circuit. The restriction could be in the condenser, drier or accumulator, expansion valve or orifice tube. The system will have to be diagnosed in order to determine the real problem.
Q: How much refrigerant does my vehicle hold?
This is a tricky question, it all depends on the vehicle you are working on. For your everyday cars and trucks please refer to the OEM specifications for this information. For specialty vehicles such as limousines and stretched SUV’s use the following as a guideline, OEM charge specification plus 1 pound for each auxiliary evaporator. For school bus and shuttle bus applications it is best to charge by your gauges and paying close attention to your delta-t. The delta-t is the temperature differential across your evaporator core. As you increase your charge you should also see your delta-t expand. When it gets to the point that adding more refrigerant does not effect the delta-t your system is fully charged.
Q: How do I vacuum my air conditioning system?
In order to vacuum the air conditioning system correctly you will need a recovery / recycle machine or a standard manifold gauge set and a vacuum pump. We strongly encourage that you use a minimum 5 CFM Dual Stage Vacuum Pump. Start by making sure all your valves are closed. With the manifold gauge set connected to the air conditioning system (red to the high side / Blue to the low side) connect the yellow hose to the vacuum pump. Start the vacuum pump and open both valves completely. This will insure that vacuum is being pulled throughout the air conditioning system. After 15 Minutes close both valves and shut off the vacuum pump. Watch the low side gauge reading, making sure that the needle does not rise. It the needle rises you have a leak. At this point you will need to find and repair the leak. If the needle does not rise you have a sealed system and you need to continue to vacuum the system. Start the vacuum pump, open both valves and vacuum for 1 hour. After you have completed the vacuum close the valves shut off and remove the vacuum pump. Your system is now ready to be charged with refrigerant oil and refrigerant.
Q: How can I tell if the orifice tube is clogged?
A restricted orifice will usually show as very low suction side pressure and lower than normal high side pressure. When the compressor clutch engages, the suction against the restricted orifice will cause the compressor to quickly cycle out. After compressor clutch disengagement, the rise in suction side pressure will usually be very slow. Rapid compressor disengagement and slow engagement may indicate a clogged orifice. A clogged orifice tube will starve a compressor of oil.
Q: How can I tell if the compressor is bad?
Usually the compressor will show the inability to generate enough suction and pressure at or near idle speeds. If the engine speed needs to be increased substantially to bring the system pressures in range, that's a sign that the compressor is getting weak.
Sometimes it's very simple. If we hook the gauges up and see 80 psi on the low side, and 80 psi on the high side, and the compressor hub is spinning, it's likely that compressor is not producing suction, and is not producing pressure. We could add or remove refrigerant and still nothing would happen. The compressor must be able to pull a vacuum, and create pressure. Compressors that use a variable stroke are often misdiagnosed as being defective, when only the internal pressure control device is at fault.
Q: Does the orifice tube have to be installed in a specific direction?
Yes, the orifice tube is designed to be installed in a specific direction. If you look at the orifice tube you will notice that there is a long end and a short end. Both ends are built with a screen, the long screen is the inlet of the orifice tube and the short end is the outlet. The long end of the orifice tube should be pointed toward the Condenser and the short end toward the evaporator. Most orifice tubes are equipped with an arrow that indicates the direction of refrigerant flow.
Q: Can I use PAG oil on my O-Ring’s?
NO, there are only two types of oil recommended for use on o-rings. Mineral oil (same oil that was used in the old R-12 systems) and O-Ring Lube that is a silicone based product. When PAG oil is used it gets on the threads of the fitting connection resulting in a chemical reaction between the oil, the moisture in the air and the oxygen. This reaction creates and acid the eats away at the threads or seizes them. When you try to service the unit you either twist off the threads or twist the tubing resulting in more damage to the system.
Q: Can I tell if the system is full with a static pressure reading?
No. You can determine if there is liquid refrigerant in the system, but you will not be able to tell how much liquid it contains. For example, a thirty pound cylinder of R134a refrigerant will show the same pressure whether it has thirty pounds or 1 pound in it. With static pressure, you will only know if the system has some amount of liquid refrigerant present.
This procedure assumes the person performing the service work is a qualified air conditioning service technician. If there is any question about the following procedures please call Manex Corporation prior to performing any service work.
Determine if the problem is low air output from the louvers or if the air temperature. If the problem is air temperature, proceed to step 2, if not proceed to step 7.
To determine the extent of the problem insert thermometers in the dash air outlet and the most distant rear air outlet and the rear evaporator. Set the air conditioning systems on maximum cooling and high blower with the windows up. Run the engine at high idle (1500 RPM) for 15-20 minutes. Under normal conditions the temperature differential between the dash and rear evaporator should be between 5 to 7 degrees. Any temperature gain between the rear evaporator and the most distant louver can only be corrected with proper insulation of the duct hose and the vehicle. The actual temperatures will rise and fall relative to the ambient temperature, however the temperature differential should remain the same. For heat/cool units proceed to step 3, for cool only units proceed to step 4.
If the rear unit is a heat/cool system, check the water valve controlling flow to the rear unit to be sure it is completely closed. If either hose at the rear unit is warm, a water bypass is occurring. Check the vacuum hoses that control the vacuum solenoid. The hose from the long port on the vacuum solenoid must go to the vacuum controlled water valve. The hose from the short port on the vacuum solenoid needs to go to the vacuum tee. Reversal of the connections will prevent the solenoid from venting in the cooling mode resulting in an open valve allowing the flow of HOT water to the rear unit during the cooling cycle. Adjust the control to the valve to insure full closure. If the problem persists, replace the valve. Proceed to step 4 if the water bypass was not the problem.
Check the system refrigerant charge with the engine running at high idle (1500RPM) set the air conditioning controls on maximum cooling and high blower with the windows up. The charge should be checked using a combination of gauge reading and louver outlet temperature to determine the charge that will yield the best temperature. In many cases this type of system has better performance when it is slightly undercharged. Proceed to step 5 if refrigerant charge was not the problem.
Evaluate the OEM portion of the air conditioning system to insure that all of the factory components are functioning properly and that the air discharge temperature of the dash louvers is adequate. Proceed to step 6 if the factory air conditioning system is functioning properly.
Check all electrical connections to the rear unit, especially the ground connections, to insure solid connections. Voltage at the rear unit must be between 12.5 and 13.5 Volts DC. If the system has a solenoid control valve in the line going to the rear unit, check for proper operation. If the valve is being properly energized when current is applied you will hear a “CLICK” sound as the coil energizes. (The coil will be magnetized at this point) If these characteristics are not present, be sure the circuit is correct and good contacts are made. If the electrical coil on the valve is defective (draws excessive amps or does not engage valve), the coil only can be replaced without recovering the refrigerant. If the valve still will not function, repair or replace the valve.
Check the liquid line from the condenser to the rear evaporator, if any portion of the line is cold to the touch or if it frosts up indicates a restriction. If a restriction is found, remove and clean or replace the component causing the problem. If the rear unit still does not cool repair or replace the expansion valve. It is important to remember that when an expansion valve or any other system component is replaced which requires the recovery of refrigerant; ALL ACCUMULATOR & DRIERS in the system must be replaced prior to recharging the system.
If the air output appears less then normal from the front and / or rear outlets, check to be sure at least 12.5 Volts DC is present at the blower motors. Check the duct hose connections at the louvers and evaporator to be sure they are properly attached. Check for collapsed duct hose to the air outlets and restricted return air ducts that could restrict air flow. A frozen evaporator coil will severely restrict air output. A heavily frosted or iced evaporator suction tube would usually indicate a frozen coil. An inoperative thermostat causes this condition.
Check operation of the water valve controlling flow to the rear unit. Be sure it is fully open when the control is in the “FULL OPEN” position. Allow 15 minutes of engine operation with the water valve open, the hoses going from the valve to the rear unit should be very hot and the return hose to the engine will be hot to the touch but at a lesser degree.
If air gets into the coolant system, an air pocket can occur in the rear heater coil stopping the flow of water.
Get the engine up to operating temperature and turn on rear unit.
Using duckbill clamps, pinch off the hose feeding the front heater between the “Y” or “TEE” and the heater coil. This will send the total pressure of the water to the rear unit, which will force the air out of the rear unit. Continue to run the engine for 3 to 5 minutes.
If these conditions do not exist, there is a restriction somewhere in the system, which might be corrected. In extremely cold climates it might be advisable to insulate the water hoses to the rear unit. If there appears to be an air output problem see step 7 in the Insufficient Rear Unit Cooling section.
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text: Pristine, 3 year old colonial is in a prime location of Mintbrook in Bealeton. Easy access to routes 28, 29, & 17! The home includes 4 bedrooms and 3.5 bathrooms. High ceilings and all the upgraded finishes throughout the home. Hardwood on the main level accompanied by a gourmet kitchen, formal dining room, powder room and den/office. Luxurious master suite with dual vanities, dual shower, and large walk-in closet. All bedrooms have overhead lighting with ceiling fans, large closets, and lush carpets. Front porch leads to nice mornings and nights out in the beautifully manicured community. Finished full height basement with a full bathroom and a room ready to be finished for a guest/in-law suite. Town Center and pool planned for the community!


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Spreadsheet models for CECL are so simple that anyone could code them in an hour or so in a standard excel spreadsheet document. There are many different types of spreadsheet models, but as Breeden mentions in the webinar, they would not pass normal model validation.
Breeden briefly discusses the recent popularity with historic weighted average models, vintage copy-forward models and loss timing functions. After thorough testing though, he concluded that spreadsheet methods “could only be used as a starting point for making manual adjustments”, and that “statistical models are dramatically better.” The only plausible reason to use spreadsheets is if you have nothing else to use or are simply using them for short-term loans (3-6 months). Beyond that, the predictability on credit losses diminishes greatly and the forecast error increases proportionally with increasing loan term lengths.
Time series and roll rate statistical models are similar in complexity, and of the statistical models, are the simplest. The time series model takes historic loss rates monthly and correlates them with various economic factors. The roll rate model takes it a step further and buckets the accounts by how many months delinquent they are. Bucketing accounts allows for a closer look at delinquency changes by using ratios. These ratios compare the delinquency amounts between periods of interest (i.e. 1 mo., 1 yr. etc.) and slightly increase accuracy. Roll rates use delinquency ratios, while time series simply use charge-off rates.
Roll rate is just aggregate time series. State transition is account by account looking at all possible transitions. If I’m in bucket two today: I could miss another payment and go to bucket three, make a one-month payment and stay in bucket two, make a two-month payment and go back to bucket one or I could I cure all the way back to current. I could also charge-off or pay off because I’ve gone out and refinanced or sold my home, etc.
State transition models are much more sophisticated because there are many different states to model, but this really improves accuracy and flexibility for CECL.
The statistical models discussed thus far are relatively accurate models but “lack precise estimates of the lifestyle,” as Breeden puts it. This is where the two types of vintage models come in. Vintage models are the most accurate in terms of forecast error and are significantly better than the other models at predicting losses on long-term loans. These types of models include survival models (i.e. multi-horizon discrete time survival) and age-period-cohort models.
Survival models are essentially a lower level version of vintage. The multi-horizon model is a combination of vintage modeling and behavior scoring that puts together a loan-level CECL answer. Finally, we have the age-period-cohort model. This is a model that is often already written, meaning all that is required is to drop in vintage aggregate data. Once accomplished, the model will systematically measure life cycle, credit quality, and the economic environment. The data can then be utilized for queries and forecasts.
The downside to these vintage models is that they do not pay attention to delinquency. This makes their projections and forecasts for the short-term less accurate. The strength of the low-end statistical models (time series, roll rate, and state transition) are reflected as weaknesses for the vintage models and vice versa.
How the Credit Cycle and Economic Cycle Fit into This?
There is a strong correlation between the credit cycle and the economic cycle. Why is this relevant or important to CECL models? It’s important because these behaviors try to predict and explain market conditions. Volatility and economic recessions are a part of any healthy economy and are altogether unavoidable. All good CECL models will not fail to consider procyclicality and market sentiment. Where the credit/economic cycles lie greatly depends on loan demand from the market.
Name that Price: How Much is CECL Worth in your Organization?
The spreadsheet and statistical methods discussed above only begin to crack the surface of the CECL capabilities. The “Which CECL Model Should You Use” webinar discusses the various strengths and weaknesses for each CECL model. There is a lot of flexibility in creating a good CECL model, but every model must be able to accurately predict one thing, and that is the overall credit quality in the market.
The purpose of utilizing a CECL model is to accurately predict the timing and extent of losses. How much early warning is desired as an organization? Breeden puts it, “The amount of investment you make in your model directly correlates with how much early warning you get.” If you want plenty of early warning from market conditions, you will have to pay additional monetary value for the better CECL model.

industry_corpus2: Finance & Economics


text:
Resverlogix is a clinical-stage biotechnology company leading the way in the creation of small molecule therapeutics. Resverlogix hired CANA as the Construction Manager for the Interior Tenant Improvements project for the Westmount Campus location on Richard Road Southwest.
CANA provided tenant improvements to 15,000 ft2 on the third floor of building four. Work included fit-out of office and clinical space. Second phase for this project began in November 2013.
CANA also constructed a lab for Resverlogix in 2005, which added dark rooms and offices to their south east location.

industry_corpus2: Biopharmaceuticals


text:
Paccar makes diesel engines and trucks under the Kenworth, Peterbilt, and DAF name plates, but even well-known and trusted brand name vehicles like that are going to need diesel auto repair eventually. That’s when you want to call on Dry Fork Diesel & Auto LLC of Carthage and our crack team of diesel auto mechanics.
You may not know the name Paccar, but as mentioned above, you’re aware of their products. The diesel auto mechanics of Dry Fork Diesel & Auto LLC are intimately familiar with the inner workings of all the Paccar brands and will perform the necessary diesel auto repairs that will get these iconic trucks back on the road quickly. Because as a busy professional, you know that every minute your Paccar-made truck is sidelined for diesel auto repair, you’re losing money. And that’s no bueno.
If you drive a Paccar-manufactured truck from Kenworth, Peterbilt or DAF and it’s in need of expert diesel auto repair, contact us to set up a time to have our diesel auto mechanics take a look. Schedule an appointment online, or simply stop by. Dry Fork Diesel & Auto LLC. is located at 16740 CR 138 Carthage, MO 64836.


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As a professional voice actor, and a practicing Doctor of Dentistry, my unique voice over skill-set is an ideal fit for narrating any script from high-tech, scientific and medical productions to commercial and business productions.
My voice style is best described as a middle-age female professional, with a warm, confident, and knowledgeable delivery. My extensive scientific background allows me to speak with a powerful understanding of script content, while enhancing the read with subtle nuance.

industry_corpus2: Health & Medicine


text:
You've found the “U.S. Runner Duck Breeders” page here at Hobby Farm Wisdom! If this is the first time you have visited our site: Welcome!
The Runner duck is a lightweight duck that reaches maturity at about 4 -4.5 lbs for the drake and 3.5 - 4 lbs for the duck. They have a long and sleek body with an upright carriage. The Runner Ducks are very good at egg laying; they average between 150-180 eggs per year.
Native to Malaysia the Runner duck does not waddle, they run and are very active and constantly search for vegetation and insects to eat. They are easily excitable in groups but can be wonderful pets and get along with other breeds very well.
The females tend to be noisy when it’s time to eat.


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On June 6th, 2001, President George W. Bush dedicated the National D-Day Memorial in honor of those who lost their lives in one of the most significant battles in U.S. history. Exactly fifty-seven years earlier, U.S. soldiers invaded the Normandy region of France in order to push German forces out of Western Europe. Because the Allied Forces suffered nearly 10,000 casualties yet prevailed in breaching Europe, President Bush stated that “America and the nations of Europe formed a bond that has never been broken.” Since this bloody day in history and one of the most pivotal battles of World War II, 60,0000 people visit the monument annually, honoring those who saved the free world.
The monument lies in Bedford, Virginia as a dedication to the large number of soldiers from the area who lost their lives in combat. In 1994, Bedford’s small population proportionally suffered the nation’s most devastating D-Day losses. Because Bedford represented both large and small American communities who faced D-Day casualties, Congress warranted the creation of the memorial in this town near Lynchburg.
The memorial’s structure encompasses 88 acres at the base of the Blue Ridge Mountains. A monumental forty-foot tall arch stands at the center containing the carving “Overlord,” the name of the crucial operation. A reflecting pool also surrounds the site and serves as a symbol of the water the soldiers trudged through to reach the beaches. Collectively, the grounds allow visitors to experience World War II as soldiers of the period. With a solemn atmosphere, the National D-Day Memorial welcomes guests to learn about the events that shaped the history of the world and the remainder of the twentieth century. Come visit this monumental site that pays awe-inspiring tribute to the men and women who sacrificed for the future of our nation and so many others.
School field trips are available at a discounted rate.
Open daily from 10:00 AM to 5:00 PM (ticket sales end at 4:30 PM). Openings before or after normal operating hours by special arrangement for an additional fee.
Open late March-November. Call 540-587-3619 to inquire about pool operation.
Open daily from 10:00 AM to 5:00 PM with the exception of Monday closings December through February.
Open Monday through Friday from 9:00 AM to 5:00 PM, with occasional daily closings. Telephone to confirm opening before visiting the Foundation Office at 540-586-3329.
For more information on hours, visit the website HERE.


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Immigration to Australia from India can be simple and straight forward if you use a trusted, honest and experienced MARA registered Australian Immigration Agent in Pune.
To put it in a perspective — my ACS assessment, EOI entry, Invitation and Visa payment was all completed within a span of 7 days; ACS started on 09th Mar’15 and Visa was lodged on 16th Mar’15. Within 49 days CO contacted us requesting for additional information and then within a week’s time, I got the grant. End-to-end processing was done in 67 days flat.

industry_corpus2: Politics & Administration


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Olive oil is a healthy fat and fits perfectly into a healthy diet. However, although it is a healthy fat, it is also high in calories and can slow down your weight loss if you consume too much of it. One tablespoon of olive oil is around 120 calories. Whether you are dipping your bread in olive oil as an appetizer, use it for baking or sprinkle it on your dishes, do not forget that even healthy foods/fats can cause weight gain.
Be aware of condiments like ketchup, mayonnaise, barbecue sauce, sour cream and many more. Although they are very tasty, they are filled with sugars and sometimes molasses. The healthier options would include mustard, citrus based sauces or spices such as Sriraga or Tabasco.
Nobody likes bland food, but if you are a big salt consumer, it could be useful to lower your salt intake because it can affect your weight. Salt retains water and water equals weight. A high salt intake can also result in extremely high blood pressure.
People who use protein shakes to help with weight loss should keep in mind that even skimmed milk can contain a lot of calories. One glass of skimmed milk won’t hurt but protein shakes are often consumed a few times a day and also in higher quantities. Instead you could opt to use half water and half milk in your protein shakes.
Again, keep in mind that even healthy foods can cause to weight gain if you consume too much of them. Track your food by measuring and weighing your portions.
Pumpkin spiced lattes, chai tea, soda’s all these tasty drinks are loaded with sugar and fats. To give you an example: Starbucks famed ‘ light Pumpkin spiced latte”contains 260 calories and 48 g of sugar. The regular version contains 410 calories. Aside from being high in calories, sugary drinks are also empty calories. When watching your weight, it is best to opt for a green tea or any other hot beverage minus the milk, cream and sugars.
You are enjoying a large salad with lots of different and healthy vegetables and you’re proud that you skipped the burger. The truth is some salad dressings are very high in fat and in hidden sugars. Let’s use Ceasar dressing as an example; just 2 tablespoons contain 180 calories and 18 gr of fat. The best options include citrus or yoghurt based dressings.
Skipping meals is a big no when trying to lose weight. Skipping meals makes you more likely to binge on unhealthy food and can spike in your blood sugar levels, making it impossible to stick to your diet.
Granola bars contain oatmeal and nuts; therefore they must be healthy, right? False! What holds those healthy oats and nuts together is mostly sugar. And sugar is the one thing you want to avoid while trying to lose weight! Always check nutrition labels to make sure the product you snack on is how in sugar.
Little nibbles here and there can eventually accumulate. Snacking subconsciously throughout the day adds up and could be the reason why you’re not losing weight.


text: The staple piece since FOREVER! Nothing hugs better than the perfect pair of jeans! Add extra sass and take it to double denim vibes with a denim jacket. Keep it cool through the warmer months with denim shorts. Keep it classy but HELLA' sassy in skinnies, ALWAYS be extra with distressed denim or make FETCH happen in a mom fit. From hip hugging high-waisters to low rise styles - PD have got tha' pair for YOU!


text: Beautiful gifts for those special occasions. Birthdays, anniversaries, Christmas - look no further. All your tricky gift problems sorted with these unusual and striking items.


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Companies looking to offer retirement plans will soon have a new alternative. Automated investment adviser Betterment said today that it will soon offer a 401(k) platform for employers. In other words, your retirement fund may one day be run by code.
The wealth management startup has made a name for itself in the past few years for its so-called robo-adviser services. Investors hoping to do more with their money, but who might not be able to afford the hefty fees that come with financial advice from a human, have turned to companies like Betterment, Wealthfront, and FutureAdvisor for help. The startups pride themselves in providing a clean mobile experience paired with automated investing for the more tech-savvy millennial investors gravitating to their services.
Betterment is hoping to accomplish the same thing with its latest venture: Betterment for Business, which is set to be available early next year. The new service will provide companies with a robo-driven alternative to other 401(k) providers, including a similar clean interface for both employers and employees. If it works, Betterment's 401(k) bot may help add financial adviser to the list of human jobs soon to be co-opted by smarter machines.
For Betterment, the idea for the new service came from the company’s own challenging search process to find a 401(k) provider for its employees, says founder and CEO Jon Stein. After combing through a number of options, Betterment settled on what they believed was the best option they could find. And, even so, Stein says it was a "disaster."
Betterment believes that its emphasis on tech and user experience will make it a desirable choice for employers and employees. On the employer side, companies will be able to see a dashboard that allows them to check in on the company’s accounts; enroll new employees; and offer any assistance—all online. Stein says that it is also offering its service with lower fees than its older competitors.
For participating employees, Betterment says that, unlike its competitors, users will be able to get personalized advice thanks to its automated system. If a user has a company-sponsored 401(k) on Betterment as well as other individual accounts with the company, the automated service will make decisions based on all of the assets combined.
"You can tell us more about yourself so we can further customize a plan for you," Stein says, meaning that the plan can also take into account social security benefits, other investments, as well as your personal goals.
While the success of Betterment for Business remains to be seen, the company is intent on pushing its expansion into a space traditionally dominated by financial services institutions like Fidelity, Vanguard, and Charles Schwab.
But businesses tasked with choosing company-sponsored 401(k)s will still have to reckon with how willing they are to put their employees' retirements in the hands of a robot. Even if Betterment offers a cheaper alternative or snazzy interface, companies will have to decide if they really want to put their long-term stake in something new.


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This is a well optioned 530xi with sport seats, gps, heated steering wheel & seats, parking sensors front and back, surround sound, and motorized lift rear gate. Titanium Grey Metallic exterior with a black premium leather interior.
Overall my experience with renting from Tristan went well. The car was perfect for my family. Pickup was easy and prompt, but drop off was a little stressful. It all worked out and I wouldn’t hesitate to rent this car again.
Great car, super convenient. Tristan also had great recommendations for the Walla Walla area!


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Chris Williams, an environmental activist and adjunct professor at Pace, is “an informative and engaging writer, but his biggest weapon is his thorough research” according to his book review in the Seattle Post-Intelligencer.
Pace professor Chris Williams’ book on Ecology and Socialism offers solutions to ecological distress.
The main thrust of the book is spent on outlining capitalism’s failure to address the ecological problems of our day. Williams effortlessly shifts from various sets of information, coasting from the theories of Marx and Engels to the pathetic misconceptions of clean coal and nuclear power.
Williams advocates societal change and presents answers to the current crisis that can be implemented without a complete overhaul. These incremental changes will still inevitably seem drastic to the hands of control, of course, but to most people Williams’ suggested course might make surprising sense.
Previous Previous post: Medical News Today, Science Daily, Health News Digest, and others: Job loss less traumatic than expected, study co-authored by Pace professor finds.

industry_corpus2: Subject Education


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The YIVO Encyclopedia of Jews in Eastern Europe contains maps of cities and countries as well as maps that show historical movements, language usage, and other information. The Maps gallery can be accessed by clicking on Maps from the main navigation bar at the top of every page.
Most of the maps in the gallery have locator maps that show you the location of the map on a larger map. Rollover Where is this? for each map to view this locator map.
To view the maps, you will need to have Adobe Flash installed on your computer. If you do not have it installed (or do not have a recent enough version of it installed), you will be prompted to do so when you attempt to view a map.
You can pan around a map by clicking and dragging.
Many maps have color-coded legends at the top left of the map. They explain the meaning of the colored markers and sections of the maps. For longer legends, a scroll bar will appear. To hide the legend and reveal the map beneath it, click the Hide icon. To open it again, click Show.
Many maps have markers that give you additional information about locations on the map. When you roll over the colored markers, an information balloon appears. Many of these information balloons contain links to articles and other information in the encyclopedia. Click on the link to navigate to the related article.
NOTE: On many of the city maps, there are many markers in a small space. To read the locations more easily, zoom into the map so that the markers spread out.


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Yardley’s Cocoa Butter Soap is a cult classic and at the first hint of lather you’ll know why. A blend of Shea butter and vitamin E delivers indulgent moisture to your body while creamy cocoa butter makes the kind of chocolate-scented froth that’ll leave chocoholics everywhere sighing with relief.
Imagine a body moisturiser that conditions and beautifies your skin so deeply it’s left three times more radiant. Now imagine skin enveloped with the a creamy and luxurious formula.. Jergens Naturals Daily Moisturising Body Moisturiser has it all.
If the gorgeous packaging hasn’t already sent this everyday indulgence to the top of your wishlist, the heavenly scent of Taylor of London’s Luscious Elegant Rose Hand Wash will ensure it’s a permanent fixture in your bathroom from this day forth. Imagine sweet rose petals – but refreshing; a rich bouquet of flowers- but much more sophisticated. Your hands are in for a treat.
Since you’re being so good and choosing beauty treats instead of calorific Easter eggs (it’s ok, we’ll wait while you hide those wrappers’) we think you deserve an extra-indulgent treat. If, like us, you can’t think of anything better than sweet, seductive vanilla blended with intriguing sandalwood and patchouli, topped up with refreshing splashes of melon, peach and plum, Thierry Mugler’s Angel is your match made in heaven.
Forget grey skies, Victoria’s Secret Coconut Passion Body Lotion is your ticket to Paradise. Its dreamy blend of coconut and vanilla delivers a good-enough-to-eat fragrance, while aloe, vitamin E and C, oat and grapeseed work together to leave your skin soft, smooth and irresistibly touchable.


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Integrated into Nor-Tech’s award-winning, expertly engineered HPC technology, these processors deliver outstanding performance.
Intel’s Cascade Lake-AP (Advanced Performance) processor family is a game-changer in data center processor design. This new family of processors comes with up to 48 cores per chip and supports 12 DDR4 channels, offering up to 96 cores and 24 DDR4 channels in a dual-socket (2P) server.
Cascade Lake-AP processors offer the highest-performance available for HPC, AI, and IAAS workloads. They also offer the most memory channels (access to the highest memory bandwidth) of any data center processor.


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Superoxide dismutase (SOD), which catalyzes the dismutation of the superoxide anion (O2-) into hydrogen peroxide (H2O2) and molecular oxygen (O2), is one of the most important antioxidant enzymes. SOD enzymes are classified into three groups: cytosolic CuZn-SOD, mitochondrial Mn-SOD, and extracellular Ec-SOD.
Oxidative stress through reactive oxygen species (ROS) plays an important role in the etiology and progression in certain diseases such as cancer, heart disease, and various autoimmune disorders. ROS have shown to cause cellular damage, enzyme inactivation, and more particularly, epigenetic damage of DNA.
Thus the determination of SOD activity is necessary in various research fields related to human diseases.
Several assays for measuring superoxid dismutase activity are offered.


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Germany (November 18, 2016) -- Kemper today unveiled a range of breathtaking new delay effects for the Kemper Profiler. In Profiler OS Version 5.0 guitar players will find a giant leap forward in delay FX technology. Scheduled for release later this year Profiler owners now have the chance to preview the new delays immediately with the public beta version of OS 5.0. Though it is not recommended to use this version for touring and other critical applications yet, it is great fun to be able to check out the astonishing new delay concepts prior to the final release already.
The Kemper Profiler Delays: All-in!
Without a doubt, the new Profiler Delay effect types are some of the most advanced and comprehensive effects collections in the Profiler and also compared to other solutions. The Kemper approach to delay effects is quite different from what musicians are accustomed with: There is no dedicated Reverse Delay, Tape Delay or Ducking Delay. Kemper decided that it simply makes no sense splitting crucial tone design features into separate delay types. Instead, Kemper have equipped every single delay type with a range of tone shaping parameters – and routing of course: Why not have a Dual Reverse Delay? Or a Serial Delay with analog tape character? Or a Melody Delay with ducking? All of these are possible with the new delays in the Profiler, from OS 5.0 and up.
Most of the delays can be designed towards a tape delay tonality with parameters like Hi Cut/ Lo Cut, Cut More, Flutter Intensity and Flutter Shape, Grit (Tape Sat & Distortion). Many of the delay types feature a Grit control to add typical tape saturation and distortion to the delay signal. With less intensity of these controls, the delays will have both the sonic flavor of an analog bucket-brigade delay or a modern digital delay.
A number of delay types feature the parameters "Swell", "Smear" and "Cross Feedback". Each of these parameters will make the delay sound smoother and can turn a rhythmical delay into a more ambient, or reverb-like, effect. And together, they work even better!
Cut More - If the sound degradation of Low Cut and High Cut is not drastic enough or the build-up of the degradation is slow at long delay times the "Cut More" soft button doubles the impact of Low Cut and High Cut.
Hold - "Hold" is an Action & Hold function, which turns the delay into an endless loop. The delay track will be repeated without losing or gaining level, and without sound degradation.
Infinity - Infinity is another Action & Hold function to switch Feedback from the regular value (between 0 and 100%) to the Infinity feedback value that spans from 100% to 200% which is separately controllable. This feedback lets the delay repeats build up instead of decay, pushing them deeper into tape saturation, where they will repeat indefinitely, as the sound degrades over time.
Cross Feedback - A small number of delay types - namely the Dual Delay and the Quad Delays - feature a "Cross Feedback" control. Increasing the value beyond zero causes each delay to not only feed its output signal back to its own input, but also to the other participating delay lines. This creates a more diffuse delay rhythm pattern, adding a reverb-like character to the delay.
- When set fully to the right, the delay is turned into a reverse delay. With intermediate values, you will get a mixture of the forward and reverse delay, which is quite unique.
Swell - The Swell parameter engages an auto-swell effect at the input of the delay that lets the volume rise slowly with every new strike of the strings. At low values, only the pick attack is dampened, creating a smoother delay signal. With larger values, the onset of the notes is blurred, creating a pad-like delay.
Smear - The Smear parameter adds a small reverberation unit to the delay, the intensity of which strengthens with every feedback repetition. Pick attacks become increasingly diffused, or smeared, giving the delay a reverb-like quality. In combination, Swell and Smear are a perfect recipe for ambient and ethereal delays.
- When the Stereo parameter is moved above 100% a novel "super-stereo" effect takes over that lets the delay reflections appear well outside of the regular stereo image.
Version 5.0 of the Kemper Profiler OS is available as a public beta version immediately and for free from the Kemper Website: www.kemper-amps.com/downloads It is not recommended to use this version for critical applications like ongoing touring or any other ongoing production environments.


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Voted best play centre in the region for quality, value & food. Dedicated toddler area with daily parent & toddler craft sessions. For the older children we provide a vertical drop slide, 8m high climbing will, bungee trampolines, air cannons, ten pin bowling etc.
Play centre, restaurant, birthday parties etc.


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From our bike camping trip to Milo McIver State Park in August of 2012. Those were the days.
What? We left the kitchen sink at home.
And two weeks later to Stub Stewart State Park.
Yes, that’s a cooler. You want to make something of it?


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If an item arrives and you are not happy withy your choice please contact us for return information. Returns must be accompanied by a return authorization number as well as your order number to obtain proper and prompt credit.
We will advise you as to the shipping method to use when returning an item. All returns must be clearly marked RETURN and must be sent back to us through the postal system.
Items that are received with customs and duty owing will not be accepted and will be returned to you, so please be sure to mark them properly before sending back.
Doll House Kits Canada strives to offer you the highest quality products at the best possible prices. Your satisfaction is very, very important to us.
However, sometimes mistakes can happen, it might be that you ordered the wrong size of an item, or that something arrived and was not what you had thought it would be. Or maybe the item met with misfortune enroute....whatever the case, we will try our best to make things right!
If an item arrives and you are simply not happy with your choice, size, color, etc. let us know. We want you to be pleased, and will accept returns (please call or email us first for authorization). We don't charge a handling or restocking charge, but you will be responsible for all shipping costs.


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We’ve got 50 more skip-the-line tickets available now for tomorrow night’s annual Halloween party at The Bell House. $15 (all in…no fees) jumps you right past the line and straight through the door to the festivities. If you can’t get any of these tickets in time, don’t worry…there should be plenty of tickets at the door. Special guests this month are DJ Riz and Prince Klassen. We hope to see you all in costume tomorrow night!
We’ve got 50 more skip-the-line tickets available now for tomorrow night’s party at The Bell House. $15 (all in…no fees) jumps you right past the line and straight through the door to the festivities. If you can’t get any of these tickets in time, don’t worry…there will be plenty of tickets at the door. Special guest this month is Kevlove. We hope to see you all tomorrow night!
We’ve got 50 more skip-the-line tickets available now for tomorrow night’s party at The Bell House. $15 (all in…no fees) jumps you right past the line and straight through the door to the festivities. If you can’t get any of these tickets in time, don’t worry…there will be plenty of tickets at the door. Special guests this month are #FOMOPARTY and Brent Tactic. We hope to see you all tomorrow night!
We’ve got 50 more skip-the-line tickets available now for tomorrow night’s party at The Bell House. $15 (all in…no fees) jumps you right past the line and straight through the door to the festivities. If you can’t get any of these tickets in time, don’t worry…there will be plenty of tickets at the door. Special guests this month are SZN SLT and Dirtyfinger. We hope to see you all tomorrow night!
We’ve got 50 more skip-the-line tickets available now for tomorrow night’s party at The Bell House. $15 (all in…no fees) jumps you right past the line and straight through the door to the festivities. If you can’t get any of these tickets in time, don’t worry…there will be plenty of tickets at the door. Special guests this month are Back To Life NYC and Nick Catchdubs. We hope to see you all tomorrow night!
We’ve got 50 more skip-the-line tickets available now for tomorrow night’s party at The Bell House. $15 (all in…no fees) jumps you right past the line and straight through the door to the festivities. If you can’t get any of these tickets in time, don’t worry…there will be plenty of tickets at the door. Special guests this month are Brooklyn Took It and Zephyr Ann. We hope to see you all tomorrow night!
We’ve got 50 more skip-the-line tickets available now for tomorrow night’s party at The Bell House. $15 (all in…no fees) jumps you right past the line and straight through the door to the festivities. If you can’t get any of these tickets in time, don’t worry…there will be plenty of tickets at the door. Special guests this month are DJ Getlive! and Kevlove. We hope to see you all tomorrow night!


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Can a child be failng in school and still get support?
How do you get car title back from Indiana child support? How are child support payments deducted when the parent receives a 1099? Can child support from NY affect someone in PA? How do you cancel child support? In Maine i have been charged with contempt of court cause i can't pay child susport what is the amount of time i can get in jail?

industry_corpus2: Law & Justice


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and it’s sure to be an event you won’t want to miss!
It takes a village to pull off an event like this, and we are looking for more volunteers to join the committee. If interested, please contact Anne Gorman or Sara Gruber.
We are looking for fun, energetic & entertaining parents to be auctioneers. If making people laugh is your thing – we’ve got just the job for you!!!
Visit the Pine Ridge Auction tab on the Pine Ridge PTO website for more info. And feel free to contact Anne Gorman (anne.c.gorman@gmail.com) or Sara Gruber (saraannegruber@yahoo.com) if you have any questions.