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UK businesses can reap huge rewards when they break into the US market. But it’s not easy. And it’s certainly not without risk. You need to understand American business culture as well as the myriad federal and state regulation, taxation, accounting, legal and financial systems. Understanding the insurance implications is important too.
What additional risks need to be considered? Are you with the right insurer? Do your existing policies provide the requisite cover already? If not, can they be easily extended? How much is it all likely to cost? Some of the risks faced by UK entrepreneurs enticed by the promise of the US marketplace can be mitigated and controlled with intelligent insurance planning.
La Playa are experts in the design of insurance and risk management programmes for small and medium-sized science and technology firms. We have prepared this document to give some general information to life science entrepreneurs contemplating doing business in America. We’ve set out some key elements that we believe merit attention, but it’s not an exhaustive examination, since different businesses will have different needs. Most of the comments appearing here may also be applied to those contemplating trading in Canada. We’re not lawyers, so no legal advice is given or implied. For further information, please contact: Matthew Clark at La Playa; matthew.clark@laplayainsurance.com or call him on 01223 200667.
What insurance policies should be considered? To help tackle this question, we will explore it under two headings; tangible and intangible risks.
Perhaps it’s just a laptop accompanying you on a one-off conference to Las Vegas, or maybe you’re taking several staff, product prototypes, research data and materials on a month-long demonstration of your technology in several cities across America. Either way, you must ensure that the Material Damage section of your Commercial Combined Insurance policy provides coverage on equipment taken outside the UK.
Some policies restrict coverage to property taken around the UK/EU and insurers will charge more for equipment taken to America. So it’s important to verify the territorial limits under your current policy before you travel. Insurers will already be applying strict security conditions – such as you taking electronic equipment on board aircraft as cabin baggage rather than checked luggage, not leaving property in vehicles overnight or unattended at any time during an exhibition or conference. Cover should extend to all company property taken with you, including electronic items like laptops, PDA’s and cellphones. It’s an unfortunate fact of life that UK firms typically insure their assets for 60% less than their true value. It’s always important to maintain adequate insured values and to communicate the security conditions to staff before travelling.
If you plan to have property permanently located in America, you will need to provide all relevant underwriting information to your broker to enable the UK insurance policy to be endorsed to insure the stateside property. Some insurers may not be able to accommodate this and you may have to consider changing insurer. If such coverage is required it is preferable to insure with a multinational insurance company which has the ability to provide global coverage and local support in the event of a claim. Always insure against Acts of Terrorism. In America, such cover is provided by US insurers with federal government support in the form of the Terrorism Risk Insurance Act (TRIA), the ultimate insurance backstop. It may also be necessary to consider extending your Business Interruption (“Consequential Loss”) protection to insure against increased costs, lost revenue or lost profit resulting from damage to property abroad. But be prepared to accept more limited coverage for certain perils, such as hurricane, windstorm and flood – which may be part of the standard package in the UK but aren’t always readily insurable overseas.
Perhaps the most worrying scenario for anyone travelling in America is to suffer illness or injury requiring medical attention – while having no insurance to cover the treatment costs. The provision of medical care in America follows a very different model to that of the UK and adequate insurance against emergency medical costs and medical repatriation is an absolute prerequisite. Excellent travel insurance products are now widely available for UK firms sending staff abroad and it is often more cost effective to insure under a ‘group’ policy rather than on an individual-trip basis. Some policies will even cover the cost of flying out a replacement member of staff to conduct the work that would have been carried out by the person who has fallen ill. This could be very useful if a director falls ill days before he was due to sign a new contract to supply your company’s product. You need a policy that will take care of your valuable employees and enable you to still complete deals. Such policies will also provide additional travel contingencies, including benefits in respect of cancellation or curtailment expenses, loss of personal money, repatriation, loss of luggage, cash and travel documents, personal liability and legal expenses. Most insurers provide credit card style ID cards for each member of staff which provides emergency assistance contact numbers. Policies can usually be extended to include dependent children and spouses travelling with an employee and can provide holiday cover which is incidental to a business trip, e.g. for a skiing trip following a business meeting.
Members of staff who travel abroad on business should insure their personal possessions under their own Household Insurance policy. Most group travel insurance policies arranged by companies provide some level of benefit for personal belongings, but the policy limits may be insufficient to cover, for example, an employee’s jewellry or wristwatch stolen during a business trip.
Under a “PA” policy insurers will pay pre-agreed sums to the firm should an employee suffer death or serious personal disablement. The PA cover is customarily offered as an extension to a group travel insurance policy and may include Personal Illness benefits too. This can be a very costeffective way of providing tangible employee benefits, or to help the firm meet certain costs in the event that a member of staff is killed or seriously injured. It is advisable to check the “aircraft accumulation limit” under your policy to ensure that adequate coverage is provided when larger groups of employees are sent abroad on the same flight. Where key people travel on the same business trip, it is often advisable that they travel on separate flights.
When shipping finished product or stock to America under terms of trade that require you to insure it, you are strongly advised to establish a Cargo Insurance policy. It can be dangerous to rely upon a freight forwarder, courier or other carrier to arrange the insurance for you; they in turn will often rely upon legislation that limits their liability for loss or damage to sums far lower than the true replacement values of the property in their custody. Insurance policies can be tailored to your specific needs, e.g. including transshipment &/or temporary storage. If you insure with an American insurer, you should be aware that your policy will exclude any cover for goods held in temporary storage in countries which are subject to US trade embargoes, e.g. goods being shipped via Cuba. Insurers will expect your product to be professionally packed for shipment, which may involve the use of expert couriers if the product requires specialist care in transit (e.g. for temperature sensitive materials).
Mandatory for most UK companies, so you must have it. The policy is designed to provide an indemnity against liability for an employee who is injured or becomes ill arising from the work he or she is doing for the firm. Most Employers’ Liability (EL) policies policies issued in the UK will cover events arising during temporary business trips abroad, but it’s always advisable to check your policy. For UK domiciled workers who are on secondment to America, refer to your broker, don’t assume secondees are covered by your existing EL policy. For staff permanently placed in America, it may be necessary to arrange local “Workers’ Compensation Insurance” to comply with State legislation. In general, EL policies should provide an indemnity limit of at least £10 million.
These forms of insurance are designed to protect your company, its staff and management against claims from third parties alleging negligence in the conduct of business activities, or in the provision, manufacture, sale or distribution of products that causes third party bodily injury &/or property damage. In American parlance, Public Liability is often referred to as “Comprehensive General Liability” or just “CGL”, while Product Liability is known as “Completed Operations Liability”.
A third party should be considered as being anyone who is not an employee and can therefore include customers of your customers. You need policies that cover your legal defence costs, claimants’ costs and compensation awarded against you. It’s no secret that America leads the world in both the volume and cost of litigation. So even if you’re just attending a seminar, exhibition or business meeting adequate Public Liability protection is a prudent basic level of cover. If your business is pre-revenue and has yet to ship completed product, the establishment of Product Liability coverage might ordinarily be deferred to a later date. However, early stage Life Science firms are often engaged in R&D activity which involves the creation, manufacture, handling and use of R&D materials/stock, thus creating a de facto Product Liability Insurance exposure for which insurance should be established.
Also commonly referred to as “Errors & Omissions Liability”, Professional Indemnity Insurance (PI) is designed to protect you against the consequences of your professional negligence, a breach of contract or a failure in the provision of services causing a financial injury to third parties. Such policies may also protect you against allegations of breach of privacy/confidentiality and defamation or disparagement. There may also be limited protection for allegations that you have infringed third party intellectual property, though disputes concerning US patents are usually excluded from cover. Even if you do not perceive there to be a need for this type of insurance, it may be imposed upon you under contract.
Directors of small companies often lament that, because they are small, a large American customer has the potential to ‘squash them like a bug’ in court, rendering insurance moot. But consider this – if you have adequate PI cover it won’t just be you they see sitting in the courthouse, but your phalanx of lawyers, all paid for by your insurer, which is likely to be a multi billion dollar financial services organisation with a duty to defend you. This lends credibility and security to you, your company, its staff and investors and can avert ruin.
Most standard UK liability insurance policies (including the relevant sections of Commercial Combined Policies) contain strict “Territorial” and “Jurisdiction” limits that could limit or exclude coverage for liability claims occurring in America or brought against you in a US court – so it’s imperative that you check your policy and extend the limits as appropriate. Again, it may be prudent to insure with an insurance company that is established in America, since such companies may be more easily able to provide local support and legal defence.
It is hugely important that you review your policy indemnity limits before doing business in America. You should remember that Products Liability and Professional Indemnity policies customarily provide cover on an aggregate basis, meaning that the policy limit applies to the aggregate of all claims, (compensation and legal costs) brought during the policy year. It is therefore critical to review policy limits to ensure they remain sufficient and take account of exchange rate movements.
The directors of a company, be it a small private firm or a large quoted multinational, risk considerable personal liability simply by holding office. Directors’ & Officers’ Liability (D&O) Insurance has long been a critical element of corporate insurance portfolios – to guard against potentially ruinous personal liability falling on directors. The risks are magnified when doing business in America. The US judiciary has of late seen fit to pursue directors for the wrongdoings of their employees – seeing little difference between the two in the face of aggrieved plaintiffs. American prosecutors have used anti-terror legislation to pursue and extradite foreign businessmen to face charges in American courts. Therefore, when doing business in America, and even if you have no assets there, you are strongly advised to carry appropriate levels of D&O protection. Such a policy should be configured to provide coverage for US court actions and extradition proceedings. For larger firms, it may be necessary to tailor coverage to meet specific exposures and specialist advice from your broker is crucial.
Put simply, Clinical Trials Liability Insurance protects you against the cost of settlement or liability where a clinical research subject suffers bodily injury. There is a well-established insurance market for this type of insurance but you should bear in mind that it takes time to prepare quotes. If you’re conducting a trial in the USA, a good deal of documentation and information is required in order to arrange the insurance. Insurers will need to consider issues as diverse as trial funding, CRO reputation, the claim potential of the subject group, the clinical protocols, patient documentation and consent issues. Insurers need time to study this material and it can take up to a month to prepare insurance quotes. This isn’t due to inefficiency – it can genuinely take that long to read through the material and prepare the quote!
• Specific insurance requirements – the contract may demand that you establish (for example) specific Professional Negligence (also known as “Errors & Omissions Insurance” in America), Public &/or Products Liability (also known as “Comprehensive General Liability” and “Completed Operations Liability” in America) and even “Automobile Liability”, relating to the use of vehicles. American contracts may also refer to “Advertising Injury”, “Libel & Slander” and “Umbrella Liability”. It is important to consult with your broker in each case to identify exact requirements.
• Indemnity Limits – in addition to prescribing the specific types of insurance policy you must establish, American contracts will typically also impose minimum policy indemnity limits (usually expressed in US Dollars) with which your policies must comply.
• Insurer Security clause – some contracts will specify minimum acceptable “Insurer Financial Strength Ratings” that your insurance companies need to meet. These are typically expressed in terms of Standard & Poor’s, A.M. Best or Moody’s ratings.
• Joint Names clause – this is roughly the equivalent to an “Indemnity to Principals” clause under a UK liability policy and effectively demands that your policies be extended to indemnify the American company with whom you are contracting against claims they may incur arising out of real or alleged contract breaches by your firm. On the face of it this may appear reasonable; it’s only fair that the American organisation should be protected from the consequences of your negligence. But consider the implications for a moment. If you are a small firm, contracting with a multi billion dollar American pharmaceutical giant, you are effectively asking your insurer to indemnify this much larger firm in additional to your company. Not all insurers may be willing or able to do this.
• Sub-contractors – If you use freelancers or subcontractors you will usually be held responsible for their actions, errors or omissions, so it’s crucial that your policies extend to insure you against this eventuality. Otherwise, you should verify that subcontractors have their own coverage in place that mirrors that required by your American contract.
• Other onerous liability conditions – Professional Liability policies will often contain conditions that exclude claims arising from contracts you entered into unreasonably – that is, where you knew (or ought to have known) that your firm would encounter serious difficulty in fulfilling your contractual responsibilities. You must be sure that you can deliver on your promises; the insurance policy cannot be treated as a guarantee. Your insurance broker will be happy to review all such documents on your behalf in order to ascertain any insurance implications.
Am I with the right insurer?
Businesses operating in Life Science present some unique risk exposures to insurers. Research and development operations, the storage and use of materials that may be susceptible to changes in controlled environments and the way in which investment is spent and income is generated are all areas in which Life Science firms can differ greatly from other types of enterprise. For those firms doing business in America these exposures are exacerbated due to the nature of the liability environment.
Off-the-shelf insurance products simply won’t provide the cover you need; specialist advice and insurance is therefore critical to your commercial well-being. There are relatively few insurers who offer products and services designed for Life Science companies. Fewer still who are able to provide cover for firms planning to trade in America.
If your firm is insured with a non-specialist, composite insurer, you’re running the risk of significant underinsurance. During a recent meeting with a drug development firm based at a university science park, it was apparent from an initial discussion with their management that the company’s R&D assets were underinsured to the tune of £500,000. In addition, there was effectively no coverage for Business Interruption. The firm was paying a significant premium to a non-specialist insurer in return for largely irrelevant insurance coverage. Even a moderate fire or flood at their premises would likely have proven terminal.
As an independent, specialist insurance broker La Playa is wellplaced to advise on insurer suitability. We only conduct insurance business with companies that are knowledgeable and experienced in Life Science. And we use insurers that enjoy excellent reputations in North America. Typically, these insurers are American multinationals, easily able to absorb North American liability risk on behalf of UK policyholders, and well-versed in American insurance and legal best-practice.
How much is it all likely to cost?
Unsurprisingly, there’s no simple answer to this question, since each company must be considered according to its own individual set of circumstances. It should also be born in mind that policy indemnity limits may need to be scaled-up to take account of the heightened risk exposure when final product enters the market. It’s unusual for an insurer to offer policy limits of more than £10 million (or US$15 million) and your broker may need to approach several other insurers to obtain quotes for “excess layer” liability policies that increase the overall level of cover. Insurance programmes providing tens, or even hundreds of millions of Pounds/Dollars in coverage limits aren’t uncommon.
It’s safe to say that doing business in America will involve significant additional premium cost. You should reckon on it adding at least 100% to your liability insurance costs, but it could be very much higher if the level of your American sales constitutes a significant (i.e. above 50%) proportion of your overall sales, or if insurers view your product as representing unusual risk.
You should also be prepared to accept policy excesses (“deductibles”) on certain policies, making you responsible for paying a proportion of each claim arising from your activities in America. For property claims this may be relatively low, perhaps a thousand pounds (or Dollars) per claim. But for liability claims this may be much higher; $15,000 to $25,000 excesses for Directors’ & Officers’ Liability claims brought in US courts are not unusual.
As with most things, advanced planning is important if you are to avoid problems in establishing the insurance that you need. You should talk with your broker as early as possible, informing them of your plans so that relevant underwriting material may be collected, presented to insurers and quotations prepared. This all takes time and it’s possible that the insurer may want a face to face meeting before giving you cover. The insurer is being asked to shoulder significant levels of your business risk, so they will expect full disclosure in return. Refusing to provide information because “it’s confidential” won’t get you very far with your insurers. Most American contracts contain non-disclosure or privacy clauses, so you should ask your lawyers to prepare your own NDAs or Confidentiality Agreements for your broker to sign.
• Don’t let staff travel abroad without adequate Business Travel insurance.
• Ensure that all members of staff travelling to America have Emergency Assistance Cards to help them access their insurance benefits if they fall ill or suffer injury.
• To avoid disappointment, advise staff to insure any especially valuable personal effects under their own household policies. Otherwise, communicate to staff the specific benefit limits provided by your Travel/PA insurance policy.
• Check the adequacy of “accumulation limits” under your Personal Accident policy, when you have several people travelling together.
• When taking computers and data abroad, ensure that it’s all duplicated back in the office before you travel. Unless it’s absolutely necessary, consider leaving confidential data off your laptop altogether.
• If something is stolen, inform the local Police. If baggage is lost by the airline, hold them responsible and fill out a report before leaving the airport.
• Check draft contracts for “Insurance” or “Indemnity” clauses and let your broker see them. If the American party isn’t insisting on a contract, make sure they have your standard Terms & Conditions of Trade on file.
• Make sure your standard Terms & Conditions of Trade exclude or at least limit your liability for consequential losses.
• Review the adequacy of the Indemnity Limits under your liability policies – especially in relation to US Dollar exchange rates.
• Check that the “Territory” & “Jurisdiction” limits under your liability policies include America.
• Remember, no insurance is available for contractual fines or penalties, so avoid them when negotiating contracts.
• Maintain full product traceability at all times and never surrender rights of recovery against suppliers.
• Avoid onerous contract conditions and resist the temptation to sign up to deals that you know will be very difficult to complete. Don’t go out on a limb making representations your firm can’t honour.
• Identify warranties and conditions in your insurance policies which could void coverage where you have signed up to “Hold Harmless” or “Waiver of Subrogation” clauses.
• Know the limitations of your insurance policies. Make the time, find a quiet corner, have a stiff drink and read over your policy documents – or at least the EXCLUSIONS sections – to understand what you’re not insured for. Don’t rely solely on the broker’s register since this is only a summary.
• Be prepared to change insurer if it proves necessary.
• Produce your own Confidentiality Agreement now – they’re almost always necessary so it saves time later.
• Keep your broker fully informed of your plans. He’ll only be able to help you if he knows about your activities in America. Never assume. Always question.
• Act early. The more time you have to review your insurance arrangements before committing to trading in America, the better. It may be necessary to get quotes, change insurer and prepare Insurance Certificates – this all takes time. This is particularly important if you are conducting clinical trials in America. Even if insurers have all relevant documentation and information, it can still take a month for insurers to produce a quote.
• Get relevant insurance certificates from your broker, where required by contract, and send them to the American party – ideally before contract commencement if possible.
• Once you’re in the American market, conduct regular reviews with your broker. The ongoing duty to declare all material facts rests with you not your broker – so keep your broker fully informed of changes in products, processes, materials and other key facts. If you’re unsure if something is relevant, declare it anyway. Record everything. Diary ahead for policy renewal negotiations – don’t wait for your broker to remind you.
• Have your broker’s direct dial number on your cell phone memory – you may need to call him when you’re in contract negotiations in America.
• If something goes wrong, tell your broker immediately, even if it’s unclear if a claim will result. This includes circumstances where clients withhold payment alleging some deficiency in your product or service. The earlier you involve insurers the better – and policies often require that insurers are informed of such circumstances within tight timeframes – check your policies.
• Don’t leave home without Directors’ & Officers’ Liability Insurance.
Need more help? Remember, our advice is always free – so let’s talk.
La Playa Limited is authorised and regulated by the Financial Services Authority.
Please note that La Playa accepts no responsibility for the content of these websites.


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The Plan… (continued from last weeks blog post).
My plan to be able to fit blog posts in amongst my day job, my kids, my writing, is very simple – stop trying. From now on I will just write blog posts about ANYTHING, whatever I feel like writing about and whenever I feel like writing it. That sounds fun! It doesn’t mean I wont go weeks without writing anyting, but it should help. I am going to stop thinking of my blog as something that gets in the way of writing, and I’m going to start thinking of it as what it is – writing in a format other than ‘book’.
I like my blog, I’m not going to give up on it, and I will continue to take inspiration from all you other bloggers out there who are being published as writers-in-a-format-other-than-book multiple times a week.
So here, as a start to me writing whatever, whenever, is a list of a few random blogs that I like to read, and you might too (if you don’t already).
Keris Stainton’s Author blog – I honestly cannnot comprehend how she finds the time to write books, be a Mum, write loads of blog stuff, AND seems to be on Twitter every time I log in!
Hannah Renowden’s blog – I like this blog because, like mine, Hannah’s blog doesn’t have much direction, she just writes on it from time to time, sometimes anecdotes, sometimes reviews, sometimes intricate little windows into her life.
Cupcakes For Clara – this is a great blog for me to read because it’s my wife’s one. She seems to do it so effortlessly (and FAST! I spend ages writing my crap posts, but she knocks out 3 in one evening and they piss all over mine). This is a great blog for me to catch up on the latest stuff that’s been going on in my house.
Thirst For Fiction – I treat Rhys’s review blog like my ‘Total Film Magazine’ for books. If there’s a recent/new/upcoming YA book that I want to know more about, T4F is always my first stop. And he’s only… I don’t know, fifteen or sixteen years old! Briliant stuff.
More of these kind of things to come.
Some advice I should also take for myself.
BTW I dare you to write an entire book by the flickering light of a faux candle, using only a crayola felt tip pen. Ok, maybe not a book, but at least a short story.
That’s how I write all my stories actually.
Thanks so much for including me on this list Tom, very touched…enough to delete “Tim” just there and change it to your actual name.
I’m liking this write about anything idea. I’m looking forward to random posts! I would probably try this myself if I ever had anything interesting/funny to say/talk about.
Ooh, thanks for including me. How lovely!
Mr Clempson? Tom? Mr Tom?
Im gonna go with Tom.
is it to soon to beg/demand for a movie to be made?
Im sure it would be awesome, and being an actor myself I’d be up for auditioning.
Or, maybe just focus on the writing first, as it is CRUCIAL that I get Jack Sampsonite 2.

industry_corpus2: Literature & Emotions


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Whoever thought of the expression “appearances can bamboozle,” probably had Nebbiolo as the main priority. Indeed, it looks pale and charming like Pinot Noir, yet this Piedmontese brute has high causticity and grippy tannins that will make for an ordeal you won’t soon overlook. Empty for 45 minutes and watch it rain complex rose, cherry, and cowhide seasons everywhere on your sense of taste. You won’t comprehend what hit you.
‘Tis the season for something rough. Best portrayed as large, agonizing, and boozy, Australian Shiraz is known for its capable dark organic product flavors, exquisite feelings, and high ABV (14%-15%), on account of abundant Down Under daylight. It’s not for the blackout of heart or sense of taste, but rather it’ll warm you up in a rush.
We guarantee to keep high-corrosive and high-tannin Italian wines to a base on this rundown. (Alright, we can’t guarantee that.) But would we be able to spout about conventional Sangiovese for a moment? Hearty and rural, it runs with a wide range of winter eats and even veggie lover toll. Special extra: Its intricate nose is ideal for sitting, sniffing, and mulling over New Year’s resolutions. BTW, take steps to drink a Brunello this winter. You’ll express gratitude toward us later.
We can hear you now: “A debt of gratitude is in order for the rec, Captain Obvious.” Still, exactly how amazing Cabernet Sauvignon is this season bears rehashing. We’re all eating rib-staying dishes, aggregating mass for hibernation, and Cab is an easy decision blending. But on the other hand, it’s more than an eating partner, it’s a reasoning individual’s wine. It’s layered, complex, and on the off chance that you go Old World, shockingly unobtrusive. Possibly it’s simply us, yet you never truly know Cabernet Sauvignon. You just ceaselessly rediscover it.
It’s so cool to detest on oaked Chardonnay. No, we can’t get behind that. Each wine has a period and a place. Now is the ideal time for rich, rich Chardonnay. Full-bodied with predominant kinds of vanilla, margarine, caramel—and a touch of citrus—it’s a significant contrasting option to egg nog and hot buttered rum.
Let us know, companion: would you say you are a man who drinks Champagne year-round? Provided that this is true, come in for a fistbump. (Proceed, knock the screen.) We’re not by any stretch of the imagination beyond any doubt why such a large number of consigning their Champagne drinking just to New Year’s Eve. It’s light, reviving, and madly adaptable with regards to nourishment.
You say you don’t care for Port. We say you don’t care for Port yet. There are a ton of wines we’ll be examining this winter, however, this is the one we’ll be going after festivals, by the chimney, and on the longest of winter evenings. We’ll likely commence with a Ruby, the slightest costly and most crisp looked of the styles. It likely won’t be some time before with getting to the more costly, more matured Vintage and Tawny Ports, with all their rich, concentrated flavors.
For what reason would we prescribe a traditionally elegant white wine known for peach, tangerine, and honeysuckle flavors? By Late January, you’re most likely going to require springtime in a glass.
Search out uncommon matured Rioja Blanco, at that point set yourself up for welcome notes of simmered pineapples, caramelized nectar, and hazelnuts.
Combine your red meat, mushrooms, and dim umami flavors with a full-bodied Superior Ripasso, one of Italy’s better esteems. In the event that you can spring for Amarone, get it going, Captain.
(otherwise known as Monastrell) A gamier, more untamed contrasting option to Cabernet Sauvignon, search out wines from Jumilla and Bandol for sparkling cases of this unctuous mother.
Developed on the little slope of Montefalco in Umbria, profoundly misty Sagrantino is about as intense as strong red wine gets! Simply ensure you have fats and proteins when drinking to counter all that tannin.
It’s difficult to move when it’s icy and dim. Reach for one of these when noticing salts are hard to come by. (Joking – sort of.) If you jump at the chance to warm up with more extraordinary dishes (Korean, Middle Eastern, African), think orange.
Laugh at Sherry all you need, yet the favored drink of matadors makes for one of the whales of a winter nightcap. Attempt an Amontillado or an Oloroso Sherry for a rich, expressive other option to bourbon.

industry_corpus2: Agriculture & Fisheries


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Sylvia crying is a big trigger for me. On the day we told Sylvia and Valerie that their baby brother Elliot had died, precious Sylvia’s tears absolutely broke my heart. What we wouldn’t do to spare our kids that kind of pain, right, moms? My precious girls had been anticipating and looking forward to their baby brother for months, and much moreso since I had been hospitalized for eight weeks. During those weeks, the girls came to visit a few times per week, and we talked a lot about Elliot. They kissed my belly. They heard his heartbeat on the monitor. They saw him on the ultrasound. They knew I was separated from them because we needed to take care of baby brother, and it would all be worth it when baby brother and mommy were safely back home from the hospital.
I can never forget when Sylvia and Valerie came in the front door of our home the day after Elliot died. They were dropped off by one of their grandmas, and Valerie ran to me saying, “You had your baby!!!” Because that’s all she knew. There are moments in time that are almost as painful in remembrance as the moment they happened. That is one.
Then we went downstairs with the girls, and Sylvia sat at my side. I can’t remember who said what, but somehow Dustin and I shared the horrible truth with the girls: Elliot died. He wasn’t going to come home to live with us; he was going to live in heaven. Sweet little Sylvia had her moment of shock, innocently asking, “But why did he die?” And then, like she does when her crying is deep from her heart, she started rubbing her little eyes and wailing, nuzzling into my side. My already crushed mama’s heart was ground a little more into dust. Just like I would’ve done anything to save Elliot, I would’ve done anything to take that pain from my girl. We cried and held onto one another. Then, cute and resilient little Val ran in front of us and said, “Guys! Guys! Don’t be sad! When we die, we’ll go to heaven too!” I didn’t have the heart to tell her that Mommy was not very comforted by the thought of heaven at that moment. I don’t think Sylvia was, either. She wanted her little brother to be home with her, and I don’t blame her one bit.
Sylvia’s tears. They welled up in her big eyes and shook her tender little voice, “But why won’t it go away?? I don’t want you to have a scar!” Then the sobbing came.
If you have been through trauma, you’ll know what I mean by triggers. You are suddenly transported into memories and emotions that previously were far from your thoughts. You can’t help it. It’s not a conscious choice. Sylvia’s tears that morning first propelled me to that painful day when we told the girls Elliot died. It was like I was hearing her cry all over again from losing her baby brother. And then my hand was on my abdomen, thinking of my baby who came forth from that c-section site. Who used to kick me right above that scar, where I can almost still feel him. My sweet son, who the nurses said cried when they took him out. All the weeks and months of worry, waiting, praying, hoping, believing. All the love for that little boy, and all the sorrow at my life-long separation from him. It was all there, swirling around me, making it hard to breathe, making the room spin. And seeing my child sad and struggling added a fierce level of mama anger to all those emotions.
These are the moments no one else sees. These are the moments that make up the reality of the death of a child.
She calmed down after that and, like kids do, and went to play with Play Doh or something. And though my stroke of spiritual genius may have helped her gain composure, she still doesn’t like my scar. And she doesn’t have to. I think the lesson was probably more for me.
I think about resurrection all the time now, after Elliot died at five days old in June. Even before that, I thought about it often after my two other heavenly babies, Avery and Everett, died due to miscarriage. I ponder its reality more than what the current state of heaven is like, simply because the Bible seems to make more of resurrection. Whatever happens to usher in the permanent beautiful reality of eternity, it seems to begin with bodily resurrection. My three babies are buried and I believe will be raised to life again. What will they be like when their bodies are raised from the dead? What will I be like?
If Jesus’ resurrected body is any indication, then I’ll still be a person with arms and legs, I’ll eat and drink, and I will be recognizable as myself (more or less). And after my conversation with Sylvia about my scar, it has made me wonder. If Jesus still had his scars of love after he was resurrected, will I? Will Elliot crawl in my lap and ask to see my scar, like Valerie does? If he does, I will tell him, “I love you this much and more, my sweet son.” Perhaps the scars of love on my heart will be visible, too. Becoming a parent puts you at risk for the greatest scars imaginable. And yet, I would never have held back my love from Elliot or any of my children just to avoid being wounded. I guess that’s what Jesus knows even better than I–that love really does mean carrying scars.
Sometimes I think that kind people in my life genuinely hope I will “get better” (see a previous blog on THAT, ha), or that I won’t always mourn Elliot, or that I will find a way to move on. I do need to heal in many ways, that’s true. But I would tell those people what I told Sylvia that morning: “I am not sad about these scars. The scars just show how much I love my son.” Of course the scars hurt, and of course I’ll never be the same. But they are the results of love, and I want to share my love for Elliot, so I bear the scars proudly.
There have been times over these six and a half months when Jesus has felt distant, like some Greek god who doesn’t understand the plight of mortal man. Thinking of his hands and side helped me remember that He understands what it means to love and sacrifice, and to be left with scars that endure. To Jesus, you and I are worth the pain and scars. Realizing this doesn’t make living without my boy okay–not even close. Elliot’s death still feels terribly unfair, stupid, pointless, and causes me tears every single day. But I realize that I would rather have loved Elliot and bear this pain and these scars, than to never have had him at all.
You have an amazing gift. More than one, I would suspect. It was a joy sharing Grandparents day with you and your sweet girls. May the blessings of this season and your family, be upon you. We are touched by your journey, raw and un-filtered.
Thank you, Russ! Thank you for reading and for your encouragement. We loved spending time with you!

industry_corpus2: Others


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LIMITED TIME OFFER! Get a $3000* gift card when your loan funds!
Since 2001, we’ve helped over 6,500 single-unit, multi-unit, and national franchisees obtain loan proceeds in excess of $800,000,000.
As the #1 direct lender for restaurateurs and hospitality businesses across the country, backed by decades of experience, we know a thing or two about business owners like you. What’s more, we live and work in your community, understand the local market, and we’re committed to offering the right financial products you need to fulfill your individual business goals.
At ARF Financial, our personal loan consultants will help you capitalize on the potential of your business with quick access to the most innovative and flexible loan products. We make business financing easy! That’s why we’re the #1 Trusted Lending Source for Restaurant Loans, Hospitality Financing, Retail Funding and Other Small Business Loan Products.
We have built relationships with banks around the country, so you can acquire a bank loan fast without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need, with manageable payments that won’t increase as revenue grows.
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industry_corpus2: Finance & Economics


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Fully trained female workers and volunteers provide support, information and a listening ear. They can help women and children access spaces in refuges across the UK.
We also offer support and information to friends, family members, external agencies and professionals calling on behalf of a woman.
Our aim is to make a woman aware of her options so that she can make informed choices. We discuss the options available to her, empowering her to make her own decisions. We never judge her or tell her what to do.


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Helen has extensive experience in advising on a wide range of Private Client work. Her practice predominantly focuses on lifetime tax planning, simple and tax planning wills, lasting powers of attorney, and probate and trusts, including personal injury, other lifetime trusts and will trusts.
In addition, Helen has a sizeable Court of Protection practice acting as a professional deputy. She also advises lay clients on the deputyship process as well as statutory will applications.
Successfully obtaining agricultural relief on a lifetime gift, saving tens of thousands of pounds in IHT.
Helen is a member of the Honourable Society of the Middle Temple and a full member of the Society for Trust and Estates Practitioners (STEP).

industry_corpus2: Law & Justice


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Halfway Cottage is on offer for the first time in nearly 20 years. Located in between Newbury and Hungerford, this property is ideal for someone who requires great commuter links to Bristol, London and the south.
With FIVE double bedrooms this detached FAMILY home has so much to offer any family looking for the perfect home.
Set in FOUR acres, this estate has two separate entrances, one off the main road and the other from a quiet country lane giving you a safer access in at all times.
The home comprises of a Beautiful country style kitchen complete with Range Oven, Belfast Sink, Oak Units and a stunning Oak Island to complement the rest of this stunning kitchen family room.
With three more reception rooms to use, this family home offers versatility to use as you please.
On the first floor you have FIVE double bedrooms with the large master bedroom offering a recently refitted En-Suite shower room.
Just off of bedroom Four is a loft room based over the kitchen - perfect children`s den/adventure room.
FOUR acres of flat land with multi uses - currently being used for Shetland ponies to graze.
Please note, the stables are NOT included in the sale.

industry_corpus2: Real Estate & Construction


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The Secret World will reportedly have a unique gameplay style that excludes massive amounts of grinding.
Funcom has been ramping up the PR for its upcoming MMORPG The Secret World lately, which from the very beginning has been billed as something that would stand out from the current MMOG crowd. In a recent interview with Gamasutra, Funcom's Ragnar Tornquist, producer and director for the game, has revealed that grinding may be mostly absent in The Secret World.
The concept of grinding, repeatedly killing the same set of enemies over and over for experience and/or loot, is now an MMOG staple, though it is found in other games such as Dragon Quest. Everquest has it, World of Warcraft has it, and if you name nearly any other MMOG it probably requires grinding for some form of character advancement.
Tornquist says that Funcom is creating its own unique RPG and combat systems for The Secret World, and that it will play very differently from the company's previous release Age of Conan. Based on the fact that Tornquist often plays many characters in other MMOGs up to level 20 or 30 and then gets bored, he wanted to make The Secret World "fun from the get-go."
"You don't have to spend 100 hours grinding to be able to join everybody else and actually play the game," he reveals. "The philosophy is you sit down and you play. You have cool powers, cool weapons, and cool monsters from the very beginning ... If you manage to get a bunch of abilities and powers for your character, you can join a team with some people who have been playing it for months and years, and still have fun playing together with those guys."
This kind of philosopy is "central" to The Secret World, according to Tornquist. Casual players should be able to excel at a gameplay element "pretty quickly." Not that loot and equipment won't be important, as the game is still "item-heavy," but Funcom is at least attempting to remove some of the pain inflicted by other grind-heavy titles.
Everything about The Secret World, from its unique setting to its now hopefully different gameplay style, has been pretty appealing. Regardless, all of this is still PR or developer talk, so we'll have to wait for direct impressions to see if Funcom can pull it off.

industry_corpus2: Gaming


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maintain E&O insurance to protect our clients and us.
inspection reports should follow ASHI (American Society of Home Inspectors) guidelines.
of the repair and you will not have to worry about losing your buyer!
* Inspection appointments can be made 6 days a week for your convenience.
All information on this site is deemed correct to the best of our knowledge, but not warranted.

industry_corpus2: Manufacturing


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"The Do-It-Yourself Bailout" is now available in STORES!
Barricade Books is now publishing "The Do-It-Yourself Bailout."
That's right, it's PUBLISHED, and available at selected Barnes & Noble and other book stores across the country.
Click below to purchase the Amazon Kindle Edition, only $7.69.
How much debt are you carrying on credit cards? $10,000? $25,000? $50,000? $100,000 or more?
I was carrying $222,000 in debt on credit cards!
That's right, I'm 100% credit card debt free.
Keep reading. I�m going to tell you how I completely eliminated my debt, legally, without filing bankruptcy, without destroying my credit score, and saved nearly $150,000 in the process.
Is settling my credit card debt legal?
Is it the �right� thing to do?
How much can I hope to settle for?
If you�re like me, your credit card debt may also come with anxiety, doubt, fear and uncertainty. I was afraid of losing my home and going bankrupt. I was depressed, irritable and unable to fully enjoy my relationships with friends and family. I couldn�t concentrate. I couldn�t have fun.
I was paying nearly $4000 a month in interest, on top of my mortgage and regular expenses. I was constantly worrying about my debt and my future. I was losing sleep. Losing hair. I even lost a girlfriend because I couldn�t focus on life when I had so much debt in the way.
The debt was consuming me.
I couldn’t see any future, any job, anything short of winning the lottery that would get me out of that much debt before I was destitute.
I finally had to face the possibility of bankruptcy. I visited an attorney who told me something I had never heard before.
He told me that it is possible to call a bank or credit card company and negotiate a settlement on credit card debt, possibly for far less than the balance owed. Frankly, I couldn�t believe it. If it were true, I might just have found a way out from under the debt that was defining, if not destroying my life.
I turned to books and websites for some guidance on how to settle my credit card debt.
I found many books that said I �could�" settle my credit cards, but gave no information on �how.�"
How many commercials and web ads have you seen for �debt reduction"� experts who say they�ll negotiate your credit cards for you? They wouldn�t tell me how. In fact, many want to make you think you need them to settle your debt.
I did it myself �� and so can you!
What the phone calls were like when collections agents began to call.
How long it took to reach settlements.
How I got the settlement agreements in writing.
Even how much I settled for.
What does "charge off" mean and how it affected my accounts.
How I separated emotion from my debt.
How I evened the playing field with big banks.
All told, I had $222,000 in credit card debt. Now I have ZERO. I�ve completely eliminated my debt. And the best part, I saved nearly $150,000!
That�s right, $143,000 written off by my banks and credit cards companies, forgiven, wiped away, forever!
And with it, my fear, stress, pain and anxiety have been wiped away, too. I sleep well. I eat regularly. I laugh with my friends and family and make it through my days without living in my head, torturing myself over money.
I have been through the process with six, major U.S. banks and now I have answers.
I want to tell you how I did it! I want to share my experiences with you. I�m not kidding, I want to tell you everything.
I'll tell you where my credit score ended up. How I sent in the money. How I responded to the intimidations of collection agents that led me to getting even better settlements!
I settled one account with a $76,000 balance for $25,000. A savings of $51,000!
I even got sued. I�d never been sued before, for anything. It was terrifying.
Just look how it�s worded in paragraph 3: �Once a judgment is obtained, your income may be garnished and other personal property subject to levy may be seized.�" �The judgment may include costs of suit, interest and attorneys fees.�" �Filing of the lawsuit is unavoidable.�"
Is it uncommon to put $500, $1000, $2500 or more onto credit cards each month to pay for summer gas prices, rising food prices, braces for the kids, health insurance, night classes or a night out?
You CAN get out from under overwhelming debt! I'll tell you how I did.
I will tell you how I settled the lawsuit and the account for less than half of the balance, without penalties or legal fees.
It is a fact that Americans are carrying more credit card debt than ever before. I believe that most of us do not get into such debt through extravagance or carelessness, but by simply trying to make up the difference between our income and the basic expenses of life. There is often a narrow margin between what�s left in a paycheck after FICA, FUI and SUI deductions, and what�s needed to pay rent or mortgage, a car note, gas and electric, a telephone, food and clothing, and maybe a movie now and then.
Perhaps you�ve opened your own business and now find that your loan payments can�t be met in an economy that has caught the C.E.O.�s of major corporations by surprise! Who could predict that the housing market would crash, then the credit market, then the stock market?
Whether through business or personal expenses, have you found yourself carrying more credit card debt than you can manage?
There is a way out. Debt negotiation as an alternative to bankruptcy. You can settle your credit cards. It is legal. It is quick. And it could save you thousands of dollars.
"I also have both personal and business debt. My income has drastically reduced in the past two years and my debt has gone through the roof. I have started reading your book, it is exactly what I have been searching for." - Mark E.
Even if you choose to use one of the reputable debt consulting companies to manage your debt, my book, "The Do-It-Yourself Bailout," will make you an educated consumer, giving you the information you need to ask the right questions, choose the right company, and work with your consultants to reach the best deal for you, saving you time, money and headaches.
I am not offering a service to reduce your debt for you. I want no monthly fee, no subscription, no commission. All I want to do is tell you my story, because if you're in a situation like I was in, it could help you.
Collectively, readers of the "Do-It-Yourself Bailout" have settled almost $1,000,000 in credit card debt.
There�s no reason you can�t settle your credit cards, too.
ALL TESTIMONIALS ARE EXCERPTS FROM EMAILS I HAVE RECEIVED FROM ACTUAL READERS OF "THE DO-IT-YOURSELF BAILOUT." NO ONE RECEIVED ANY COMPENSATION IN CASH OR TRADE FOR THEIR TESTIMONAILS. WHILE THERE ARE MANY READERS I HAVE NOT HEARD FROM, AND I'M SURE MANY WHO HAVE NOT ACHIEVED THESE RESULTS, IF ANY, THE RESULTS INDICATED IN THESE TESTIMONIALS WERE ACHIEVED BY "AVERAGE" PEOPLE (THE FTC'S TERM, NOT MINE, I CONSIDER ALL MY READERS TO BE EXCEPTIONAL) WHO REDUCED THEIR DEBT ON THEIR OWN AFTER READING "THE DO-IT-YOURSELF BAILOUT."


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HP is offering a wide range of IT certifications for all IT enthusiasts. IT professionals across the world are relying on different HP certifications. HP Sales Certified is considered as one of leading IT certifications. We are offering complete range of IT certifications BrainDumps including HP Sales Certified. HP Sales Certified Brain Dumps are available here with discount rates. HP Sales Certified BrainDumps are offered by our company in compatible price range for facility of customers. Passing HP Sales Certified is not a big problem now, with help of our Brain-Dumps. We not only claim bit bring guaranteed results to customers regarding HP Sales Certified.
We are offering free of cost demo services to all our clients regarding HP Sales Certified BrainDumps. Using our HP Sales Certified Brain-Dumps demo feature is easy. Just select your exam and download free product. Customer can visit our official website for having idea of services and products. In this way, they can test our HP Sales Certified BrainDumps before purchasing them. In this way they can purchase their required products easily and with complete satisfaction.
We are offering multiple learning modes to customers regarding HP Sales Certified. Multiple learning modes can being success to candidates in their first attempt. Instant to download HP Sales Certified BrainDumps along with HP Sales Certified PDF files containing sample question answers can be extremely helpful for customers in having quick and complete grasp over all core exam topics of HP Sales Certified.Furthermore we are also delivering updates for 90 days period in order to accommodate any current change in HP Sales Certified exam content.
In case of failure to attempt HP Sales Certified exams in first try, our company offers 100% money back guarantee to customers. We deliver our best in form of readily available BrainDumps, but still if you are not satisfied then you can have your investments back in our 100% complete money back feature.

industry_corpus2: Computing & Telecommunications


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PizzaExpress has been obsessed with pizza ever since its founder Peter Boizot opened the first PizzaExpress restaurant in London’s Soho in 1965. As one of the first restaurants to adopt open kitchens, PizzaExpress now has over 420 restaurants across the country and worldwide.
During the last three weeks of January, PizzaExpress customers ordering dough balls in any restaurant could win a solid gold one valued at £5,000. Another could be won by buying a special pack of PizzaExpress dough balls sold in supermarkets nationwide. Plus to increase the chances of winning, we placed vouchers for a year’s supply of dough balls in 10 packs, ‘Willy Wonka’ style.
To front the campaign, we called on Joey Essex, fresh from ITV’s I’m a Celebrity Get Me Out Of Here… and brimming with media appeal. Painting him from head-to-toe in gold, he showed-off his post-jungle physique in a stunning photo shoot featuring our Golden Dough Balls.
The shoot was held ten days before launch along with three exclusive media interviews to secure national coverage on launch day. And, to make this fly digitally, we invited Marcus Butler – one of a new generation of Super YouTubers (700,000 subscribers) – to see behind the scenes. He kick-started our social activity, along with tweets from Joey and PizzaExpress, plus we announced the campaign through Facebook and Twitter. On Monday 20 January, known as the most depressing day of the year, we announced a Gold Rush – a one-day dough ball giveaway for any customer showing off gold jewellery or clothing in restaurant.

industry_corpus2: Hospitality & Catering


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Title Loans in Amelia Island FL are possible for just about anyone who has the legal title to a vehicle. Even if you don’t have the car, truck, van, or SUV paid off in full, we can help. The money we lend to our clients is very easy to apply for, and most people get the funds from the vehicle loans in about 48 hours.
The entire process is fast and easy as long as you have an internet connection. You can complete everything online and have the funds sent directly to your account.
The Jacksonville online title loans that we provide can be applied for in about five minutes. We don’t need a lot of information to make the loan happen. You won’t have to share your social security number, vehicle identification number, or your monthly income.
We’ll use this information to ensure that we are giving the right loan to the right person. You won’t receive unsolicited information because we value your business. The phone number must be one that you can be reached at to finalize the documentation. This can be a cell phone or landline.
We’ll also need to know if you have any liens on the vehicle. The final step is to submit the application and receive your loan quote in just a few seconds.
Like all other types of loans, our title loans in Amelia Island FL do have some regulations that must be followed. The most important is about the payments. As long as you make the payments, you won’t have to worry about anything. If you begin falling behind on the scheduled payments, we do have the legal obligation to repossess the vehicle. When a repossession occurs, we’ll sell the automobile for as much as possible and give you the extra money once the loan is paid in full. This is the last thing that we want to do, so you should contact us as soon as possible to make other payment arrangements to prevent this from happening.
We also have to give you rates that are at or below the legal guidelines. The good news is that we typically have rates that are already very low.
Finally, you have the right to pay off the loan as soon as possible without receiving any prepayment penalties. This is a great way to save money on interest.
We can lend you up to $25,000 for your vehicle. Once the loan is paid off, we’ll send the title back to you as soon as possible. In most cases, you’ll have up to 42 months to repay the loan, and our customer service representatives can assist you 24/7.
You can use the funds for any reason you want. Whether you want to take a vacation or pay off some other loans, we may have the solution you want. We’ll treat you with respect and dignity, so apply now to get fast cash with one of our title loans in Amelia Island FL.


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Pressure Treated Deck Railing | Decks R Us Our Pressure Treated Deck Railing is custom built using the best #1 grade Pressure Treated Wood that we can find. There are several styles that we use a lot, the traditional style where we end the posts at the top of the rails and finish it off with a deck board flat on top of the posts and rails. Or we can extend the posts up past..
Decking & Railing Supplies - Sequoia Supply Not only hundreds of choices in the latest composite decking and railing supplies, and the highest-quality #1 grade Pressure Treated decking and framing lumber, but . In a close urban environment with no inviting views beyond, a heavier profile railing, posts with decorative caps, and ornate or complimentary balusters will..
Pressure Treated Handrails | YellaWood You have many options when it comes to finishing a porch or deck handrail - the most popular being a moulded handrail. . Benefits. Pressure-treated for above-ground applications; Protection against rot, fungal decay and termite attack; Variety of profiles (depending on your location)..
low level deck with handrail - NZ Wood decking. 100 x 25 mm H3.2 treated radiata pine griptread decking. Nails. 100 mm hot-dip galvanised jolt-head. 60 mm hot-dip galvanised jolt-head. Plates stainless steel. Profiles/pegs scrap timber. Concrete pre-mixed bagged dry material, or builders mix and cement for on-site mixing. Handrail. Top rail. 150 x 50 mm H3.2..
Hand Rails | S&L Spindles New England Handrail 2 x 4. Materials: Feet Long: 6 | 8 | 12. Deluxe Handrails 2 x 6. Materials: Feet Long: 6 | 8 | 12. Lattice Strip 3/8 x 2 (for 2 x 6 handrail). Materials: Pressure Treated Pine Western Red Cedar. Feet Long: 6 | 8. DIY's. Deck Railing Do It Yourself. We have many short Do It Yourself articles on all of our..
Decking Materials | Natural Wood | Composite Materials | Railings Our PVC decking options include an abundance of choices from AZEK or Zuri, while Timbertech offers the same with a composite shell and polymer wrap. Our natural wood decking ranges from the common pressure treated wood to exotic hard woods from brands like Outback Meranti mahogany and IPE . No matter..
eCopy, Inc. - Santa Cruz County Planning Department Deck, Porch, Landing, Stair, and Guardrail Requirements. For One and Two Family Residences . Deck ledger shall be a minimum 2x8 pressure treated No 2 (or better) grade lumber. (See Table 2, footnote 5.) . the tallest portion of the profile and achieve a depth of at least 5/16 inch withing 7/8/inches below the widest..


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Exclusive: Yerûšelem (Blut Aus Nord)’s new track "Babel"
French record label Debemur Morti Productions has announced the release of a new album by industrial/post-punk band Yerûšelem, created by Blut Aus Nord’s two key members Vindsval and W.D. Feld. The band’s debut album, titled "The Sublime", will come out on February 8, 2019. Below is an exclusive stream of the band's newest track "Babel".
According to a press release, "The Sublime", mastered at Upload Studio, is a world of interlocking miniatures, music in which a familiar center has collapsed and been restructured into new forms, where ghosts are created by absence.

industry_corpus2: Film & Entertainment


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Goalkeeper Nikki Bull produced a string of fine saves to earn his side a point, denying Bulls midfielder Joe Colbeck and striker Stuart Fleetwood twice to put Wanderers a step closer to promotion.
Waddock said: "It was a clean sheet and a point away from home so you can't really argue with that.
"We wanted all three but we'll certainly settle for one.
"The players kept working hard and they showed a lot of commitment and effort but Hereford are a good side.
"Everybody wants to win every game but Hereford are a good side and they are not going to lie down and die. They needed the points as well."

industry_corpus2: Sports


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The Quakers in Britain became the first church in the UK to announce a boycott of the State of Israel. We must protest this blatant act of discrimination!
The Quakers in Britain became the first church in the UK to announce a boycott of the State of Israel.
“There was no particular trigger incident for this decision, just the ongoing insistence of certain Quaker bureaucrats of feeding a diet of one-sided propaganda to those unfortunate enough to rely on them for information,” van der Zyl charged.
“While other churches have reached out to the Jewish community at this time of rising anti-Semitism and polarization to work together to tackle prejudice and promote peace in the region, the Quaker leadership has chosen to import a divisive conflict into our country, rather than export the peace that we all want to see,” she added.
“Israel, the Middle East’s only true democracy and most thriving economy, will be untroubled by this biased and petulant act, but the Quakers, who have for so long been at the forefront of peace activism, have now marginalised themselves from being a credible voice on the issue,” the British Jewish leader declared.
The Quakers have set a dangerous precedent. We must not remain silent in the face of such blatant anti-Israel discrimination and hatred.
Tell the Quakers in the UK – it’s not to late to repent. Reverse this historic mistake and adhere to your own teachings of love, not hate.
Speak Out Against Anti-Israel Discrimination!


text: what GMOS adapter did you use? Note that the car doesn't have an ignition wire, so GMOS adapter is used to generate the turn-on signal. Usually around $100.

industry_corpus2: Automobiles


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The one who Hugh Richardson referred to in his 1967 article as “a Tibetan antiquarian” in describing his efforts to jot down stone pillar inscriptions in Lhasa and at Samye that date from the 8th and 9th centuries, the Nyingma master Rigzin Tsewang Norbu was a lover of rare books.  In fact, it seems that he was a bit of a Buddhist bibliophile.
The second set in the Jonang Publication Series ( Jo nang dpe tshogs ) was recently published (vols. 11-21) in Beijing.  This annual series is dedicated to making select works on sūtra and tantra from the Jonang exegetical tradition available in softcover book form. Each Tibetan text in the series was chosen from the corpus of Jonang Tibetan Buddhist literature, and several of the rare works included in the series have only recently been recovered through our efforts at Jonang Foundation.
Throughout my readings on the Jonangpa in English, I've noticed the (all too) common attribution of either Yumo Mikyo Dorje or Dolpopa Sherab Gyaltsen as the "founder" of the Jonang tradition.  Though Yumowa was a major figure in the transmission of the Drö Kālachakra lineage as it was received by the Jonangpa, and was a prominent forefather of the tradition, its unlikely that he even heard the word "Jonangpa" in his lifetime.


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Super Ciccio Matte Black (Eye) Need Help?
Thick and chunky the Ciccio is an old school wayfarer. It has a more traditional 1950's/60's throwback wayfarer style than the Super Basic shape.
It is offered here in Matte Black.
All Super eyeglasses are limited releases so get them while they last!


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There are two different types of blood thinners: antiplatelet drugs and anticoagulants.
Antiplatelet drugs – Help prevent platelets in the blood from sticking together, and therefore preventing blood clots from forming.
Anticoagulants – Blood thinners that prevent existing blood clots from getting larger, and prevent new ones from forming. These are usually prescribed for people who have an irregular heartbeat (AFib), which can cause blood clots to travel from the heart to the brain.

industry_corpus2: Health & Medicine


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Automatic savings mobile app Digit is expanding its services, adding the option to let users pay off credit card debt with money in their Digit account, as reported by TechCrunch.
To try out the new feature, called Digit Pay, users create a “credit card debt” goal in the Digit app settings, then activate the service. Once Digit Pay is enabled, the app will begin to use funds saved within the account to pay off your credit card balances. There’s also a new feature called “Boost,” which tells the app how to prioritize the goals you’re saving for. So, if credit card debt is most important, you can mark it with a boost, and the app will work toward clearing that goal first.
Digit was first launched in 2015, and it’s a service that smartly socks away money for you once connected to your checking account. Instead of setting a finite amount that is withdrawn on a regular schedule, it learns when your bills are due, looks at your spending habits, and then only withdraws cash when it thinks you won’t miss it. The app offers a 1 percent annualized savings bonus when you save with Digit for three months, and funds are insured up to a balance of $250,000. The app is free for a 100-day trial period, then it’s $2.99 per month.


text: Handmade wooden incense holders make an attractive addition to the home or meditation corner. These handmade wooden hands are shaped into a meditation pose and have a hole in the palm for holding stick incense. This unique gift will be sought after for moments of serenity.


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FTB's response to your last written request concerning letter #3311/2008-472 is being reviewed.
FTB has been instructed to hold your property until proper registration has been completed by you with the National Firearms Act Branch.
Please contact NFA at (304) 616-4500.
Mr. Spencer will provide you with FTB's response once the review process has been completed.
Your e-mail of July 7th has been received. I am glad your are reviewing my correspondence outlining a gross error in guidance document #3311/2008-472.
Your e-mail communication also states "FTB has been instructed to hold your property until proper registration has been completed by you with the National Firearms Act Branch."
This statement has me gravely concerned on two levels. First, FTB is not recognizing the fact that an error may have occurred at FTB. Secondly, FTB is ignoring the fact that this firearm was properly registered with the NFA branch of the ATF.
* The firearm was made from sections of a destroyed semiautomatic PKM receiver made by "Wise Lite Arms", not a machinegun PKM receiver.
* The document claims parts and portions have been removed when in fact this was a ground up construction, nothing was removed at anytime from this firearm, only added by me the manufacturer.
* The document hints at but fails to note that other than the feed device, no other PKM part or component will fit on or in the submitted firearm.
* The document contains photos on pages three and four show clearly that the submitted firearm receiver design is unique from the PKM machinegun receiver, but fail to note that fact in the text.
* Although a photograph of the "Calico Upper", [classified a non firearm by FTB] was supplied with the submitted firearm, no comparative analysis was ever noted in the document.
* Firearms Enforcement Officer Max Kingery was assigned to a position of authority over me five months after testifying against him in US v. Olofson. This appearance of impropriety is clear to anyone, the onus is on FTB at this point.
* There is a prior pattern of FTB actions that is supported by clear and reliable documentation that after or during my participation in the Federal District Court cases that FTB/ATF should consider 18 USC, section 242. "Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States,"
* My submitted firearm was properly registered with the NFA Branch of the ATF. FTB is "holding" my property. I have demanded my property back, under the "color of authority". FTB is refusing to return my property claiming it is "not properly registered", when if fact you could instruct the NFA branch to put a "hold" on any lawful transfer, and return my property immediately. This would prevent any sales at the moment while the noted errors by FTB are addressed administratively by the acting Director of the BATFE.
* When the FTB guidance document #3311/2008-472 is compared to FTB guidance document #3311/2004-379 there is clear and reliable evidence that FTB did not comply with "Agency Good Guidance Practices" set forth by Office of the President of the United States, and mandated by him in signed executive orders.
* It appears that FTB is not aware of the "2007 Courtroom Security Act", I was a witness in Federal District Court.
In summary, 1.) The submitted firearm was not made from a machinegun, is not a machinegun, and is my property, that I want returned immediately. 2.) Assignment of Max Kingery after a very heated and public trial less than six months post trial appears improper. 3.) The choice of FTB to install several versions of a "conversion device" in order to induce full auto fire are clear and reliable evidence that they were contrived to deny my constitutional rights as evidenced by the document #3311/2004-379 as well as the other "shoestring letters" by FTB. 4.) FTB is clearly in violation of 18 USC, section 242 as documents by FTB have clearly and reliably proven. 5.) FTB is clearly violating the mandates of the Office of President of the United States Agency Good Guidance Practices as evidenced by FTB documents.
I look forward to your continued communication.


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Summer is coming with M&S!
Delighted to be commissioned by M&S for their Editor's pick this month! Not just any commission... this is an M&S commission. You can check out these gorgeous girls swimmers and my work on their website here.


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Best match results for karate associations for kids in Glendene (0602) + 30km.
If you provide Karate Associations for Kids in Glendene (0602), please add your details to the site today.
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Are you a conscientious, customer-oriented and driven individual?
Are you committed to delivering, despite all obstacles? Are you tenacious, do you target results, are you decisive, do you delegate and do you adhere to the highest ethical standards?
Are you looking for an employer that offers challenging work, advancement opportunities, and the ability to make a difference, all in a flexible work environment?
Yes? Then, lucky for both of us, you have come to the right place.
View our open positions or poke around to get a feel for who we are and what we have to offer.
These Values define the character of our employees. They personify Utica National – describing what it means to “be Utica National” and how we approach doing business.
Ethical – We act with dignity, integrity and trustworthiness in every decision and we do not sacrifice this for business results or personal gain.
Committed – We approach our responsibilities with a deep individual self-engagement and understand the importance of holding ourselves responsible and accountable for our contributions without making excuses so we can deliver results despite all obstacles.
Resourceful – We continually look for better, more efficient ways to take care of our customers. We always try to be aware, sensitive, receptive, responsive and proactive in addressing issues. We like to see possibilities rather than obstacles.
Respectful – We treat all of our customers and our co-workers with high regard. We try to visibly create a customer experience that anticipates and responds to customers’ needs while valuing their time and appreciating them.
Team Oriented – We recognize the needs of the group and offer support to co-workers to achieve corporate objectives; proactively sharing knowledge and coaching others to build competence whenever necessary.


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This is D. Doctor rolling thru DFW from the Port City on the HOG inviting you to DrArmington.org and ever in our city look us up. Until then... Eulogia!
GIVE ME A CALL WHEN U GET INTO MEMPHIS, I WILL BE THERE WEDNESDAY NITE 901-730-0702 IS THE NUMBER I WILL BE AT.
Wishing you and your family blessings of health, happiness and success Happy Thanksgiving.


text: Table Top Objects explore the table surface as an open plan. The objects in this collection are considered pieces of furniture for the table top and are arranged in a manner similar to how a person composes the interior of a room. This scalar shift suggests a new behavioral model for both living and working conditions, where different areas of activity are implied—while still open and flexible—through simple spatial boundaries.

industry_corpus2: Subject Education


text: Kendriya Vidyalaya Sangathan (KVS) is a system of Central Government Schools in India that are instituted under the aegis of the Ministry of Human Resource Development (MHRD). name ‘Central Schools’. Later, the name was changed to Kendriya Vidyalaya.


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Avigdor Arikha, Self-Portrait in the Studio, 2001, oil on canvas, 18 x 15".
Avigdor Arikha passed away on April 29, 2010, at the age of eighty-one. Born in Romania, he survived the Holocaust and was brought to Palestine by the Red Cross in 1944. After three years of study at the Bezalel School of Arts and Crafts in Jerusalem and a near-fatal stint in the War of Independence of 1948, he won a scholarship to the École Nationale Supérieure des Beaux-Arts in Paris. Though he spent most of his artistic life in France, he is lauded as a titan of twentieth-century Israeli art.


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Phrases such as “illegal immigrant” and “illegal alien” replace complex and ever-changing legal circumstances with an unspecified assumption of guilt.
Living in the U.S. without legal authorization (unlawful presence) is a civil offense, while improper entry (crossing the border), is a misdemeanor. It should be noted, that because many undocumented immigrants arrived legally, they have not committed a crime.
In April 2013, the Associated Press (AP) informed AP Stylebook users that they no longer sanctioned the terms “illegal immigrant” or “illegal.” This change was due in part to public pressure from Define American and other advocacy groups. Another part of its reasoning was to ensure consistency – to describe actions rather than label persons. In the same way that labeling a person an illegal fisher is a poor way to describe someone fishing without a license, calling someone an illegal immigrant is a poor way to describe someone who has broken an immigration law.
At Define American, we use the term “undocumented Americans” for the over 11 million people living in the U.S. without a path to legalization. Here are some other terms that have been used to properly humanize: newest Americans, newcomers, undocumented citizens, unauthorized immigrants, families who have moved from one place to another, and people who weren’t born in the United States.
After years of public pressure, marked by campaigns and social media actions directed at on-air personalities, CNN announced their commitment to refrain from using “illegal immigrant” in their reporting.
As a representative of a media outlet, I pledge to use accurate and modern language regarding undocumented immigrants and their families.


text: Located In Sought After Mill Pond Area! Gorgeous Custom Built 4Bdrm Home On A Huge Premium Lot! Bright Circular Skylight In Foyer. Romeo & Juliette Balcony O/L Living Rm W/Floor To Ceiling Window. Gourmet Kit W/Granite Tiles, Quartz Counters, Centre Island, S/S Appliances, Bkfst Dinette W/French Doors O/L Panoramic Garden. Hrdwd & Pot Lights Thru-Out. 5Pc Ensuite W/Jacuzzi Tub In Master. Prof Finished Bsmt W/Large Rec Rm, 3Pc Bath & Kitchen & W/O To Garden.


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Baroda or Vadodara was the capital city of an erstwhile princely state ruled by Gaekwads.Modern Baroda is a beautiful city with its spacious parks, palaces, museums, art galleries, temple and abroad avenues. Baroda has an excellent University and its oriental institute is quite famous. Baroda has an excellent rail, road and air connections with all the major states and parts of the country.
The city of Baroda is divided into two sections by the river Vishvamitri. The city is located on the fertile plain between the Mahi & Narmada Rivers.
Baroda which holds a good stand in education and culture was for a long period in the reigns of Gaekwads from 1734 to 1949.It was also ruled by various other kingdoms like Hindus, Pathans, Moghuls and Marathas. The Mughals could not control the fiery independent spirit of the Marathas and the year 1721 saw Pilaji Gaekwad seizing control of the city. The city was virtually under the Gaekwads even during the British Raj.But whatever the history of Baroda is dated back to more than two thousand years.
All the Indian festivals are celebrated with great enthusiasm in Baroda. The festival of Shivratri, is celebrated in honour of Lord Shiva. Holi is celebrated every year in February-March. As in the rest of Gujarat, the nine day festival of Navratri is celebrated with great fanfare. It ends with Dussehra, followed twenty days later by Diwali. The Kite festival is celebrated on 14th January each year to mark the end of winter. This festival has become an international event these days.
The most important historical monument in the city of Baroda is the "Lakshmi Vilas Palace". This was the palace of the Gaekwads, built by Maharaja Sayaji Rao III.
This palace boasts of an ornately decorated Durbar hall, which was used by the Gaekwads to watch live performances.
The "Kirti Mandir" or the "Temple of fame". Here one would find the statues and the photographs of all royal family members.
Another monument in Baroda is "The Muqabra" which is dedicated to the Moghul King Kutubudin. This is said to be one of the oldest monuments in the city.
The EME temple was built by the Electrical and Mechanical Engineering Corps, and is run by the Indian army. This is the most famous temple in Baroda, which is dedicated to Dhakshinamurthy, who was a reincarnation of Lord Shiva. This temple is unique in its architecture since it has been built entirely out of aluminium sheets. The temple represents the five main religions of India. The ‘kalash’ on the top of the dome symbolizes Hinduism, the ‘dome’ stands for Islam, Christianity is represented by the ‘tower,’ the golden-structure above the tower represents Buddhism and the entrance of the temple stands for Jainism.
There are other smaller temples for Hanuman, Lord Ganesh a Jain temple.
The Jama Masjid mosque is one of the finest mosques in Gujarat and is situated in the town of Champaner, about 47 Kms from Baroda.
There are several churches in Baroda. The Centenary Methodist church is the biggest protestant church in Baroda. It is over 100 years old. Alpha Church, Christian Brethren Assembly and Hebron Prayer fellowship are a few of the other churches.
Vadodara Baroda Museum and Art Gallery exhibits a rich collection of artifacts.
This collection comprises of Indian sculptures, ancient manuscripts and Egyptian antiquities.
In the art gallery of this museum Mughal miniatures and works of great European masters are exhibited.
Sayaji Bagh is a major attraction in Baroda.
This is a garden, with a lot of greenery, sprawling over a 100 acres and boasts of a mini rail track and a planetarium.
There is a very informative show conducted here for duration of 35 minutes.
This palace is known for its old classical style of architecture and it was used on ceremonial occasions by the Gaekwads.
This is the residence of the royal family and was built by Maharaja Sayajirao in 1890 which is known or its Indo- Saracenic style of construction. The palace also has exhibits of bronze, marble & terracotta. Its ornate Darbar Hall has an Italian mosaic floor.
This mandir built in the style of Hindu architecture has murals by the famous Indian artist, Nandlal Bose.Kirti Mandir is a magnificent stone building with domes, terraces, balconies and a central 'shikhara'.
This training school of the Indian Air Force was initially a palace designed in the Italianate style.
This university was built by Maharaja Sayajirao Gaekwad and it is supposed to be one of the bigger universities in Western India.
This sanctuary is known for its leopards, sloth bears, sambar, wild dogs, hyena, barking deer and a variety of birds, is situated in Bharuch district.
1. Havmor Restaurant - RC Dutt Road, Near Kala Ghoda Circle, Baroda, Gujarat.
You get good silver jewellery including oxidised in Raopura, Teen Darwaza and Mandvi.Other handicrafts and handspun cotton clothes are available in the local Khadi Bhandar center.However the major part of shopping in Baroda is not complete without Camel leather and related arts of embedding pure gold and stone colors, on camel leather. The textiles showcase a distinct range of designs, colors and stitches. Sarees in Vadodara display an amazing variety with inlaid Zari works, beadwork, embellished mirrors, sequins and shells as well as tie-and-dye and block-printed designs. Vadodara shopping is very satisfying if you are in search of Patola Silk sarees, Bandhnis and traditional Gagra-Cholis, Marriage costumes, Wall hangings, Embroidered, appliquéd quilts, Cradle clothes, Cloth toys, embroidered footwear, Lacquer furniture and Curios.
Vadodara is well connected by air from Ahmedabad, Delhi, Pune, Mumbai and Daman. Most of the domestic carriers operate daily flight services to Vadodara.
Reaching Vadodara by rail is very easy because most of the trains pass through Vadodara. The main railway junction is situated in the Western Railway that links it with Mumbai, Delhi and Ahmedabad.
Getting to Vadodara is not only easy and convenient but fun also. A host of transport facilities and services truly make a journey to this city most unforgettable experience of life. To arrive here by road you can avail any of the state transport bus and private luxury coach services from any of the numerous towns and cities of Gujarat, Maharashtra, Madhya Pradesh, Delhi, and Rajasthan.

industry_corpus2: Travel & Geography