The latest Swiss Re sigma publication, "Insurance in emerging markets: growth drivers and profitability," focuses on two of the regions that have contributed the most to emerging market premium growth, Emerging Asia and Latin America. Drawing on ten years of experience of rapid insurance development in these markets, the study explores growth drivers and profitability in these two key regions, and provides an outlook on emerging markets.
Insurance premiums in emerging markets have expanded robustly by 11.0% per annum in real terms over the last decade, compared with 1.3% growth in industrialised economies. Emerging markets' outperformance is expected to continue in the next decade and is attracting the attention of global insurers, who look to emerging markets for profitable growth beyond more saturated mature markets.
Oliver Futterknecht, co-author of the new sigma study, says "Due to their size, industrialised countries are in absolute terms still the main insurance premium contributors, but emerging markets are catching up fast." In 2010, for example, industrialised economies contributed $120bn in additional premiums in nominal terms, with emerging markets following closely with $109bn.
Emerging Asia and Latin America contributed the most to emerging market premium growth in the past ten years. Many factors have driven this premium growth, including a sound economic environment, improvements in insurance regulations, product innovation, and a leveraging of multiple distribution channels.
"The healthy economic environment with low inflation has had a positive effect on insurance premium growth in Emerging Asia and Latin America," says Futterknecht. In addition, in an attempt to encourage healthy competition, certain markets have reduced state involvement and taken insurance-enabling regulatory measures. Product innovation has also driven fast-paced growth in certain insurance segments, including microinsurance and takaful. The use of multiple distribution channels has also helped insurance to reach a broader audience in emerging markets.
Although insurers in emerging markets have seen stellar premium expansion, achieving profitable growth is far from the norm. For example, out of around 174 life insurers from a sample of Emerging Asian and Latin American markets, 46% of insurers failed to report consistent profits between 2006 and 2009, and only 20% registered profit margins (net profits divided by direct premiums) in excess of 10%. In non-life markets, 49% of all non-life insurers in the sample emerging markets recorded negative underwriting margins (underwriting results divided by direct premiums), with around 36% of non-life insurers reporting margins in the range of 0% to 10%.
Low profitability may indicate an overly aggressive focus by insurers on top-line growth rather than profitable growth. The sigma study examines profitability in emerging markets, and explores whether ownership structure, affiliation with financial conglomerates, or economies of scale can tilt profitability upward.
Between now and 2021, more than half the growth of the global economy is expected to come from emerging markets. Non-life insurance premiums in emerging markets are foreseen to grow more than twice as fast as in industrialised countries. Life premiums are also expected to outpace those in industrialised countries.
Even though they face strong competition from domestic insurers, many international insurers plan to actively pursue opportunities in the rapidly growing emerging markets. Banks are also likely to leverage their branch networks to further penetrate these markets. However, with interest rates expected to remain at low levels for an extended period of time in both developed and emerging markets, insurers will find it increasingly difficult to achieve profitable growth.
"Going forward, insurers will need to place great importance on professional and disciplined underwriting to benefit from the healthy growth outlook in emerging markets and operate on a sustainable basis. Capital management will also be vital to support growth and comply with tightening solvency requirements," says Kalra.
Policymakers can play a strong role in strengthening private sector incentives by devoting sufficient resources to the legal, educational and regulatory infrastructure. They can also support insurance-specific efforts by allowing private pensions, making health or workers' compensation insurance compulsory, and introducing and enforcing other obligatory lines of business. Compulsory third-party liability insurance, for example, ensures that funds are available to compensate accident victims, and compulsory earthquake insurance helps to avoid adverse selection.


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(-) Voluntary and community sector
(-) Housing
Volunteering in general practice: opportunities and insights
Interest is growing in the contribution that volunteering can make in health and social care. This paper examines the ways in which volunteers are involved with, and are contributing to, general practice.
By Helen Gilburt et al - 7 February 2018
Building resilience and sustainability – tips for charity leaders
Our work with charities through the GSK IMPACT Awards has highlighted some of the most common challenges they face. Here we share 10 key pieces of advice for charity leaders, based on the knowledge and insight we have gained.
By Lisa Weaks - 7 September 2017
Making an impact: Matthew's story
We talk to Matthew Lanham, Chief Executive of the Neuromuscular Centre – a charity that won a GSK IMPACT Award in recognition of its work to improve people's health.
By Matthew Lanham - 20 September 2017
Modelling excellence in the charity sector: learning from 20 years of the GSK IMPACT Awards
This report explores the work of small to medium-sized health and wellbeing charities that have won GSK IMPACT Awards, identifying their characteristics and capabilities and looking at the common factors contributing to organisational effectiveness.
By Helen Gilburt et al - 7 September 2017
Cascading Leadership: a new model to support leadership in the voluntary and community sector
We outline the importance of investing in leadership in the voluntary and community sector, sharing the results of an external evaluation of the Cascading Leadership programme.
By Lisa Weaks et al - 18 May 2017
The economics of housing and health: The role of housing associations
The National Housing Federation commissioned The King's Fund and the New NHS Alliance to produce this independent report looking at the economic case for linking housing and health.
By David Buck et al - 20 September 2016
Building collaborative partnerships with patients and communities
Mark Doughty discusses progress made by The King's Fund's Leading collaboratively with patients and communities programme.
By Mark Doughty - 24 February 2016
Submission to the VCSE Review's discussion paper on challenges and solutions to better investment in and partnership with the VCSE Review
Download The King's Fund submission to the VCSE Review's discussion paper on challenges and solutions to better investment in and partnership with the VCSE Review.
By Lisa Weaks et al - 26 November 2015
Should there be more discussion about the quality of leadership in the third sector?
Is enough emphasis and thought devoted to leadership styles, the culture this creates and whether this fully reflects the organisation's aims and ethos?
Charities can ease the burden on health care
Organisations close to their communities can often respond to needs in a more targeted way, find solutions and co-ordinate services, says Lisa Weaks.
By Lisa Weaks - 25 March 2014
Invest in housing to improve health and reduce costs
As councils retain substantial responsibilities for housing, there is strong evidence that their actions can significantly contribute to the improved health of residents.
By David Buck - 23 January 2014
Health and wellbeing boards must recognise that housing providers need to be part of their decision-making processes, says Richard Humphries.
Housing alongside health and care
With this year's party conferences concluded, none of the political parties have yet committed to a strategic vision for the issues facing the future of health and social care, says Richard Humphries.
By Richard Humphries - 16 October 2013
How charities can ease the stress on the NHS
Local charities can relieve pressure on health services and provide cost effective joined up care in the community. But providers and commissioners are not always aware of what they can offer, says Lisa Weaks
By Lisa Weaks - 26 July 2013
Volunteering in health and care: Securing a sustainable future
Our report looks at the important part that volunteers play in improving patient experience, addressing health inequalities, and building a closer relationship between services and communities.
By Chris Naylor et al - 14 March 2013
Spelling out the value in voluntary
Local voluntary organisations bring value to health care – but now they need to demonstrate how, says Lisa Weaks.
By Lisa Weaks - 28 June 2012
Award-winning charities benefit communities but struggle to convince CCGs
Charities can have an enormous impact on health in their communities, writes Lisa Weaks, but clinical commissioning groups are proving hard to reach.
By Lisa Weaks - 17 May 2012

redpajama_set_name: RedPajamaCommonCrawl


In the 1000 Islands, Eastern Lake Ontario and Adirondack regions of the North Country it's easy to find great things to do or see any time of the year.
Official tourism agency for Jefferson County and the Thousand Islands.
In addition to offering great outdoor recreation, Lewis County New York is an area with a wide selection of other activities for the family and other groups.
The VisitTugHill.com web site is an all-season guide featuring a variety of recreational opportunities available in the Tug Hill Area.
Follow the Black River from Lake Ontario to the Adirondacks.
Official Web site of Jefferson County with tourism, newcomer, economic development information.
Guide to adventure sports, attractions, events, golfing, hunting & fishing and restaurants in the Watertown area.
19th Century mansion and Victorian gardens. Collections include Tyler coverlets, Native American artifacts, 1910 Babcock automobile built in Watertown.
Dedicated to New York's wild animals and wild places.
Guide to local government and events.
Newly completed renovations have brought Watertown's architectural gem, with its magnificant rotunda, back to its original luster. Art works highlight city history.
7 B. O. B. Rafting Co.
8 ARO Adventures Rafting Co.
9 Hudson River Rafting Co.
10 Whitewater Challengers Rafting Co.


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Italy approves new stimulus package to help virus-hit economy
The expansionary package is expected to keep Italy's deficit in 2021 to 7 per cent of economic output. PHOTO: AFP
https://str.sg/J6Gv
MILAN (REUTERS) - Italy has approved a new stimulus package in its 2021 budget to foster an economic rebound from the recession caused by the coronavirus crisis, a government statement said on Sunday (Oct 18) after a late-night Cabinet meeting.
The ruling coalition, led by the anti-establishment 5-Star Movement and centre-left PD party, agreed on a preliminary version of the stimulus package, a government source said, leaving final details to be hammered out.
Among measures to support the health and education system, the government will set up a four billion euro (S$6.37 billion) fund to compensate companies worst hit by coronavirus lockdowns.
The budget also extends temporary lay-off schemes for companies with workers on furlough and offers tax breaks to support employment in the poor south of the country.
Italian Prime Minister Giuseppe Conte is expected on Sunday to also announce new measures to curb the steady spike in Covid-19 cases over recent weeks.
One of the European countries worst hit by the pandemic, Italy has forecast a 9 per cent economic contraction for 2020 and a budget deficit equating to 10.8 per cent of gross domestic product.
The expansionary package is expected to keep Italy's deficit next year to 7 per cent of economic output, up from a 5.7 per cent forecast in April, reflecting the additional spending.
Italy has forecast economic growth of 6 per cent in 2021.
Expansionary measures next year will total 40 billion euros, including cheap loans and grants from the European Union's Recovery Fund, Italian Minister of Economy and Finance Roberto Gualtieri told lawmakers this month.
Italy's Lombardy region orders new anti-coronavirus measures
Italy toughens restrictions as daily Covid-19 cases hit highest since March
Italy approves long-delayed economic stimulus package in coronavirus fight


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The Higgins Firm was established to give the general public access to quality legal services. The law firm is separated into multiple distinct but interwoven sections to help serve its clients more effectively and to capitalize on each attorneys skills and knowledge. The main divisions include, catastrophic injury, nursing home neglect, medical malpractice and employment litigation. The founding members of the firm oversee the direction of these separate divisions.
James "Jim" Higgins: Is the the founding member and director of the Castrophic Injury and Wrongful Death Litigation team of the law firm. This team focuses on life changing work injuries, nursing home neglect, malpractice, car accidents, and premises liability lawsuits. Several team lawyers and support staff work with Jim Higgins who has extensive litigation experience with significant injury cases. Mr. Higgins began his career defending corporations and insurance companies but he has only represented victim of neglect for the past several years. He is a long time member of the Million Dollar Advocates Forum. This forum is limited to lawyers that have won million and multi-million dollar verdicts and settlements for clients. Mr. Higgins has litigated serious injury and wrongful death cases throughout the nation.
Jon Street: Proudly graduated from the University of Tennessee and Wake Forrest College of Law. Jon focuses his practice in the field of Employment Law and Bad Faith Insurance Claims. Mr. Street has successfully pursued Wage and Hour (FLSA) Collective Action Cases Across the nation and is routinely associated by other law firms on complex employment law cases. He is a member of the Million Dollar Advocates Forum, MENSA (high IQ society) and an active supporter of the Boy Scouts of America.
Rick Piliponis: Rick in charge of the firm's Nursing Home Neglect and Products Liability team. Mr. Piliponis graduated from the University of Tennessee and DePaul University School of Law.
William W. Merrell: Bill graduated from the University of Texas in 1964 and from the South Texas College of Law in 1974. Bill also attended graduate school at La Universidad de las Americas in Mexico as well as the University of Madrid in Spain. Mr. Merrell is fluent in Spanish and routinely serves as an interpreter in court and for depositions. He is known in the Hispanic community as"El Abogado del Pueblo" or "The lawyer of the People" for his extensive legal assistance in the Latino community. He focuses his practice on work comp, car accidents and employment law. He is admitted to practice law in both Tennessee and Texas.
Ben Miller:Ben graduated from Vanderbilt University and Wake Forrest School of Law. He worked in a highly regarded insurance defense firm for the first 10 years of his carrier defending complicated civil cases. He now works in the firm's nursing home neglect and catastrophic injury section. He is also a pretty good tennis player.
Ryan Simmons:Ryan is a graduate from the University of Colorado School of Law. He is practices litigation in the firm's employment law division.
Carrie LaBrec: Carrie is a member of the firm's serious injury litigation group. She attended Emory University, Belmont University and Willamette College of Law in Salem, Oregon.
About Us | Chattanooga Personal Injury Lawyers The Higgins Law Firm


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const Rest = require('maf-rest');

/**
 * @private
 * @param {Logger} logger
 * @return {Rest}
 */
module.exports = function restServiceInitRest(logger) {
    return new Rest(logger.getLogger('rest'));
};

redpajama_set_name: RedPajamaGithub


text:
El Sudamericano de Rugby de 1993 congregó a las 5 selecciones que venían participando del torneo: la múltiple vencedora Argentina, Brasil, Chile, Uruguay y la selección paraguaya que se ubicó por segunda vez en el tercer puesto arrebatándoselo a la chilena que se debió conformar con la cuarta ubicación. Al igual que los otros campeonatos de la década no se designó a un país para organizar el evento por lo que se jugó en distintas ciudades.

Todas las selecciones a excepción de la brasilera competían paralelamente por la ronda 1 americana sur para la clasificación a la Copa Mundial de Rugby de 1995. Los 6 partidos en que se enfrentaron estos 4 equipos eran válidos por el play-off y fue ganado por Los Pumas que más adelante obtuvo el preciado pasaje a la fase final de la cita mundialista al eliminar a los Estados Unidos en llave de dos partidos.

Equipos participantes

 Selección de rugby de Argentina (Los Pumas)
 Selección de rugby de Brasil (Los Vitória-régia)
 Selección de rugby de Chile (Los Cóndores)
 Selección de rugby de Paraguay (Los Yacarés)
 Selección de rugby de Uruguay (Los Teros)

Posiciones

Nota: Se otorgan 2 puntos al equipo que gane un partido, 1 al que empate, 0 al que pierda

Resultados

Referencias

1993
Sudamericano

redpajama_set_name: RedPajamaWikipedia


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Nathan Fillion Hoping for 'Avengers' Role
Nathan Fillion thinks his cameo being cut from Guardians of the Galaxy Vol. 2 is a "cleverly disguised opportunity".
The 46-year-old actor was supposed to have a cameo appearance as Wonder Man – a superhero who moonlights as a Hollywood action star – in the recently released Marvel movie, and although his role was cut from the feature, Nathan believes it is simply an opportunity for bigger and better things.
Although the comic book version of Wonder Man has connections with the Guardians of the Galaxy, he's also one of the most iconic members of the Avengers, and so Nathan hopes he can score a role in Marvel's popular ensemble movie franchise.
Speaking on The Ara Show on KISS FM, the star said: "If you know the Marvel Universe, Simon Williams becomes Wonder Man, becomes an Avenger. So, he's part of that universe. It was a neat little Easter egg, it was a neat little piece of the universe. It didn't get into the movie. That's fine. That happens all the time. I still had the same wonderful experience. But moving forward, I don't know, let me see what we can do with this opportunity. That's just a cleverly disguised opportunity. Am I right?"
It is unlikely Nathan will manage to score a role in 2018's Avengers: Infinity War as the plot has already been finalized, but he could see himself joining the team for the as-yet-untitled Avengers 4 movie, which is due for release in 2019.
Avengers: Infinity War will see the popular superheroes fight against the Mad Titan Thanos and will see and introduction of the 'Guardians of the Galaxy cast into the main Marvel universe.
However, with the new change of the newest film there has been uncertainty about whether Thanos will feature in both movies.
The next Avengers movie is currently in production in Atlanta and Avengers 4 is rumored to pick up right after.
Tags: AvengersNathan Fillion


Companies must have an OHS program—that is, a formal system that spells out general safety rules and procedures, and defines the roles and responsibilities of the employer, supervisors and workers within that system. Your OHS program must also have specific written safety procedures and rules for the company's operations, equipment, sites and the jobs or activities that workers perform. But having a program that's generally effective won't support your due diligence defence if the program fails under specific circumstances.
Example: A roofing company installed a compliant guardrail system on the roof of a building as well as a chute with a garbage bin at the bottom. When the bin got filled, workers built a ramp on the roof and drove a motorized buggy full of garbage up the ramp and dumped it into a trailer below through an opening in the guardrail. While doing so, a worker's sleeve got caught on the buggy and he fell off the roof. He wasn't wearing fall protection at the time. The roofing company was charged with two safety violations.
Use of outside consultants to teach health and safety courses and conduct spot audits.
In addition, workers who failed to use safety equipment were sent home without pay and retrained. And the company used discipline to enforce its safety standards, including firing workers who repeatedly breached its safety requirements.
But although the company initially took "reasonable safety precautions at this project," the second garbage disposal process wasn't compliant. For example, there were no set procedures that covered the wearing of safety harnesses when dumping the garbage at the opening and the safe use of buggies on the roof. In addition, workers weren't given any additional instruction or training on the second garbage disposal method. So the court found that the roofing company didn't take all reasonable steps to prevent this incident. [Ontario (Ministry of Labour) v. Semple Gooder Roofing Corp.].
In reading decisions in safety prosecutions, it may appear that the courts expect companies to take steps to address any safety hazard that's imaginable. But in reality, you're responsible only for those hazards that are reasonably foreseeable, which means those hazards that a reasonably prudent person in the same circumstances would have foreseen. So if a safety hazard, incident or violation wasn't reasonably foreseeable, you won't be expected to have taken all reasonable steps to prevent or address it.
Example #1: Within four months, two car seats fell forward at the same work station on an assembly line in a plant, striking workers and causing minor injuries. The plant was charged with two safety violations. But in acquitting the plant, the court pointed out that nearly two million seats had been built at the plant, with just two falling. The falls occurred because of a "unique and particular combination of factors," which caused the workers to mistakenly believe that the seats were locked in place, explained the court. Thus, it concluded that these incidents weren't reasonably foreseeable [Ontario (Ministry of Labour) v. Magna Seating Inc.].
Example #2: An airline employee at an airport gate was hit in the back by an empty baggage cart and injured. The area around the plane was slippery due to packed snow on top of ice. A federal Health and Safety Officer issued the airport a compliance direction for allowing an accumulation of ice and snow. The airport appealed, arguing that it had exercised due diligence in its snow removal operations.
In rescinding the compliance direction, the federal OHS Tribunal said that snow and ice removal was "a cooperative procedure" requiring coordination between the airport and the airlines. The airport provided regular snow and ice removal, and relied on the airlines to make specific service requests when there was an immediate need for removal at a particular gate. But the airline didn't make such a request for this gate, noted the Tribunal, and thus failed to bring the snow/ice issue in the area to the airport's attention. In addition, because the airline continued it flight operations and the associated movement around this gate despite the conditions, the airport's snow clearance crew couldn't have accessed that area to remove the snow and ice anyway. So the airport couldn't reasonably have been aware of the safety hazard posed by the snow and ice at this particular gate [Macdonald Cartier International Airport Authority].
The flip side is that if a hazard is reasonably foreseeable and thus is one you knew or should've known about, due diligence requires you to have taken all reasonable steps to address it.
Example #1: In response to an anonymous tip about a smouldering fire in the dust removal system at a furniture manufacturer's factory, a Board officer investigated the factory and found various safety violations. The manufacturer was issued an administrative penalty, which was upheld on appeal. Smoking embers were "not uncommon" in the factory due to excessive sanding of hardwoods, said the Tribunal. In such circumstances, a "reasonably prudent employer" would prepare workers and train them on how to deal with the foreseeable hazard of smoking materials in the dust extractor ducting. But the Tribunal found that there was no evidence that the manufacturer trained its workers to deal with smoking items in the dust extractor system [WCAT-2014-03205 (Re)].
The court rejected the employers' due diligence defence. The employers and employees all understood the main hazard in doing road inspections: the traffic. Doing such inspections was a "normal activity" for these employees and so "the hazard was clearly foreseeable," said the court. And although the employers may not have foreseen the incident happening in the way that it did, they should've foreseen the need to address the traffic for the safety of their employees and taken appropriate steps. But they failed to do so. For example, although the employees were experienced, they didn't get training on these types of roadside inspection. They didn't discuss safety in the pre-inspection meeting. And they were neither offered nor did they request any PPE, such as high-visibility vests [R. v. Department of Transportation and Works (NL) and City of St. John's].
When determining whether a safety hazard, violation or incident was foreseeable or what steps should've been taken to address a hazard, a court or tribunal will consider many factors, including the employer's expertise. For example, a company that specializes in excavation work will held to a higher standard when it comes to compliance with the requirements in the OHS laws on excavations and trenches than, say, a general contractor that only does such work sporadically.
Example #1: An engineering firm provided drawings for a concrete wall form to be used at a multi-storey residential construction project. Engineers from the firm inspected the forms when they were first constructed to ensure they complied with the drawings and then issued a compliance certificate. But as the workers were using the forms to build walls on the 30th floor, a form fell over and crushed a nearby worker, who died. The engineering firm was issued an administrative penalty for failing in its safety obligations as to the drawings. It appealed, but the penalty was upheld.
The firm knew the forms were going to be used to build walls at various floors in the project's construction. But the engineering drawings didn't provide instructions on how to erect the form above the bottom parking level. In addition, the workers used an improper bracing method that differed from the one in the specifications. This change was present at the pre-pour inspection. So the engineers should've noticed the change and reviewed its effect on the safety of the form, which they didn't do. Instead, the firm blamed the concrete company for improperly using the form. But the Tribunal explained that because the firm had the engineering expertise, it should've identified the problematic issues rather than just leaving them for the concrete company to resolve [WCAT-2015-00944 (Re)].
Example #2: During an inspection, officers saw two workers working on a roof about 12-14 feet above the ground and without any type of fall protection. The employer was issued an administrative penalty for two violations and appealed. The Tribunal upheld the penalty, noting that the employer, which was engaged in the roofing business, should be aware of the hazards and OHS requirements related to this work. But there was no written fall protection plan in place at this job site and there was only sufficient fall protection equipment for one worker—not two. And the workers didn't have written work procedures or considerations for the hierarchy of fall protection. Because the employer's core business is roofing, observed the Tribunal, its senior staff should be "extremely well-versed in all aspects of the business, including the many ways a worker could ensure his safety while repairing a roof" without violating the OHS laws. That the employer wasn't knowledgeable in this regard and clearly didn't train its staff in this regard is persuasive evidence of its failure to exercise due diligence, concluded the Tribunal [WCAT-2015-00446 (Re)].
All safety hazards aren't alike and don't necessitate the same response. For example, you're not expected to respond to the risk of a worker tripping over a cord in the same way you'd respond to the risk of a worker being electrocuted. Instead, it's reasonable to prioritize your safety efforts based on various factors, including the chance of an incident occurring and the risk of serious injury to a worker if one does occur.
Example: In Ontario (Ministry of Labour) v. Magna Seating Inc. discussed above, the prosecution argued that once the first seat fell and struck a worker, the plant was on notice of this safety hazard and should've acted promptly to address it. The court explained that in determining whether the plant had taken all reasonable care in the circumstances to prevent seats from falling, it would consider various factors, such as the "probability of recurrence and the potential for grave injury to a worker." Given the low probability of a seat falling again and the low possibility of a serious injury from a seat falling and striking a worker, the JHSC didn't identify this issue as a high priority. And in these circumstances, it wasn't unreasonable for the plant's JHSC and management not to immediately seek a solution to address the issue of falling seats, concluded the court.
Example: When an officer inspected a worksite, he saw four workers in an excavation deeper than four feet and without benching. In addition, a spoil pile was located immediately to the south of the excavation. The employer was issued administrative penalties for three OHS violations, including failing to provide instruction, training and supervision. It appealed, but the penalties were upheld.
The officer had questioned the workers, foreman and site superintendent on the excavation requirements, including how far back the spoil pile should be and when a trench required benching or other protection. But none of them knew the correct answers. In fact, the superintendent argued that the excavation didn't need shoring or sloping. So although the employer claimed that it had an effective OHS program, its employees' lack of knowledge was "indicative of a lack of adequate training," which is a significant part of a safety program, particularly when the employer's main business was excavations, concluded the Tribunal [WCAT-2014-02837 (Re)].
You must also ensure that your training is accurate or else workers may work unsafely—and your company may be charged with a safety offence.
Example: In WCAT-2015-00446 (Re) discussed above, the Tribunal said the fact that one of the workers on the roof believed that fall protection wasn't required for jobs taking less than 15 minutes is "illustrative of a significant failure of the employer's training program." The OHS regulations are clear that fall protection is never optional when working at a height of more than three metres—that is, there's no short time duration exemption, which the employer should know.
Just because you've adequately trained workers doesn't mean that they'll always follow your safety rules and procedures, and comply with the OHS laws, which is why you need to adequately supervise them as well.
Example #1: An electrician and a millwright at a farm were sent to fix a large shipping door that wouldn't close. While trying to assess the situation, the door fell on the electrician and seriously injured him. The farm was convicted of two safety offences, including failing to provide supervision, and appealed. But the court upheld the convictions, ruling that the farm hadn't exercised due diligence. The door was located at a loading dock, an area in which the electrician and millwright had limited experience. But the farm send them to this unfamiliar location without any supervision [Ontario (Ministry of Labour) v. Maple Lodge Farms].
Example #2: In WCAT-2015-00446 (Re) discussed above, although the employer claimed it had appropriate supervisory mechanisms in place, one worker, a repair technician, said his supervisor almost never checked on him. The Tribunal noted that repair technicians are exposed to greater risk than roofing technicians, who were subject to regular if not constant supervision. But despite the increased risk, "repair technicians were the subject of almost no active supervision," observed the Tribunal.
You may think that you don't need to train or supervise a worker who's very experienced but you'd be wrong. You can't rely on a worker's experience alone. You're still required to train and supervise experienced workers, although such supervision can be less hands-on or intense.
Example: An electrical services company assigned an experienced electrician, another electrician and an intern to finish tying down an electrical feeder cable in an electrical cabinet. While doing this job, the experienced electrician, who wasn't wearing any protective equipment or clothing, contacted energized bus bars in the cabinet and was electrocuted. As a result, the company was convicted of two OHS violations.
The roofing company argued that it wasn't responsible for the experienced electrician's lapse in judgment. Yes, the deceased electrician was very experienced, highly regarded and known to be safety conscious. So it was unclear why he opted to work on the cabinet while it was still energized and without any protective equipment. But the court explained that the electrician's "tragic miscalculation" didn't absolve the company of its safety duties. In fact, the evidence showed that the company did nothing that remotely satisfied the requirement to provide instruction and supervision. For example, the company took a completely hands-off approach to the electrician's work, providing no supervision at all. Instead, it relied exclusively on his experience and commitment to safety, said the court [R. v. R.D. Longard Services Ltd.].
If you provide adequate safety training to all employees and ensure workers get proper supervision, you're unlikely to be held liable if a worker goes "rogue" and disregards his training.
Example: A supervisor assigned a relatively inexperienced worker to modify a very large and heavy spindle. It was laying horizontal on two stands and had to be flipped over so the worker could make the necessary changes. But in violation of his safety training, he used an overhead crane to rotate the spindle by himself. As he was doing so, it fell off its stands and onto his foot, which had to be amputated. The manufacturer was charged with—but acquitted of—two OHS violations.
The court said the manufacturer had taken all reasonable precautions to prevent an incident such as this one, including providing the worker with a safety orientation and overhead crane training, and implementing a protocol for the movement of large new pieces by junior workers. Thus, it wasn't reasonably foreseeable that the worker would try to rotate the very large spindle by himself and use an overhead crane in violation of his training and with a tool that wasn't intended for that purpose, concluded the court [R. v. ABS Machining Inc.].
But note that if you point the finger at your workers, arguing that you took all reasonable steps and the workers simply disregarded safety protocol, courts won't always buy that argument. Workplace safety in Canada is based on the Internal Responsibility System (IRS), in which all workplace stakeholders—including employers, supervisors and workers—have a duty to ensure the safety of the workplace. So even if a worker commits a safety offence, a court may still find that you bear some responsibility.
Example: An OHS inspector saw a worker without any fall protection on a roof that was more than 7.5 metres above the ground. In addition, there was no supervisor present. The roofing company was issued an administrative penalty, which was held up on appeal. The company argued that it shouldn't be punished for the worker's failure to follow procedure because it had trained him on fall protection and provided adequate fall protection equipment. But the Board explained that a violation such as this one could potentially be "laid at the feet of more than one party." So the fact the worker may be "most obviously culpable" doesn't absolve the company of responsibility. The Board believed it was necessary to send a message to all employers that they're "legally at risk when their employees behave foolishly" [McCarthy's Roofing Limited (Re)].
When it comes to appropriate safety measures, the preference is always for engineered measures, such as machine guards, over safety rules and procedures whenever possible. Workers can easily disregard rules and procedures, endangering themselves. In contrast, it's much harder for workers to circumvent engineered solutions, thus taking individual discretion, judgment and compliance out of the equation. So you're unlikely to convince a court that you exercised due diligence by arguing that your safety rules and procedures were adequate replacements for engineered controls.
Example: Workers at a well site were removing a drilling pipe from the well and disconnecting it piece by piece. As a driller was trying to lift the drill stem, the trapped torque was released, causing the equipment to spin and hit a worker in the head. He died from his injuries. The employer was convicted of two safety offences.
The prosecution argued that, in determining what constituted reasonable steps, the appropriate standard of care required an engineered solution to the problem of table torque induced by the driller. The employer argued that it wasn't reasonable to require an engineered solution given its administrative procedures. The court agreed with the Crown, noting that the OHS law mandated "engineered solutions where feasible." The goal of such solutions is to avoid the sort of human error the court found happened in this incident. There was an effective engineered safety measure available to address this problem. And the employer implemented the same or a similar solution when specifically ordered to do so. In addition, the solution was cheap, quick and easy to implement. In short, the court said it wasn't requiring the employer to go beyond government or industry standards—it was simply requiring it to do nothing more than apply "a small bit of common-sense engineering to a known problem" [R. v. Precision Drilling Canada Ltd.].
Obviously, an employer's first concern is protecting its own employees. But an employer's safety duties may extend beyond those individuals on its own payroll and include employees of contractors, visitors to the workplace and even members of the public. So if one of those individuals is injured in your workplace, you may be held responsible.
Example: A tree faller was logging at a location within the area of a forest license owned by West Fraser Mills. But he wasn't a Mills employee; he worked for a contractor hired by Mills. He was struck and killed by a section of a rotting dead fir tree. Mills was hit with an administrative penalty for safety violations, which was upheld on appeal.
Although the duties between employers and owners may differ, the OHS laws "clearly contemplate that both bear responsibility for occupational health and safety," explained the court. So it may be reasonable to impose an administrative penalty on the owner of a workplace for failing to take sufficient precautions to prevent work-related injuries at its workplace. In this case, the forestry operation was a workplace under the OHS law and Mills "owned" that operation. As the owner of the forest licence, it had sufficient knowledge and control over the workplace to be able to ensure the health and safety of people at or near the workplace. It also had a duty to ensure the activities of the forestry operation were planned and conducted in compliance with the OHS laws and safe work practices. Thus, the Board could penalize Mills for violating its obligations as an owner by failing to take sufficient precautions to prevent the faller's death [West Fraser Mills Ltd. v. British Columbia (Workers' Compensation Appeal Tribunal)].
Providing adequate training to workers, disciplining them for safety infractions and conducting workplace inspections isn't going to help you establish due diligence if you can't prove that you took such steps. So it's important to formally document all of your safety efforts and measures. (Go to the OHS Insider's Toolbox for model documents to help you do so.) Failing to have such documentation may leave you without proof that you, in fact, exercised due diligence.
Example #1: In Macdonald Cartier International Airport Authority discussed above, the airport prevailed in part because its Winter Maintenance Plan, the personnel and equipment dedicated to snow and ice clearance duties, the procedures to implement snow and ice removal, and the weather conditions were "well documented." For example, the airport maintained a log of service requests for immediate snow or ice removal and the log for the date of the incident indicated that the airline did not submit such a request for the gate in question.
Example #2: In WCAT-2014-02837, also discussed previously, the Tribunal explained that an effective overall safety program would include regular monthly meetings on health and safety matters, such as the correction of unsafe conditions, as well as "the maintenance of a record of the meeting and matters discussed." But the employer didn't have such records. In addition, the employer didn't have any training records to indicate that workers were aware that working in an excavation more than four feet deep without benching violated the OHS regulations.
To ensure that your OHS program could withstand scrutiny from a due diligence perspective, apply these lessons in your workplace. For example, if you think supervision of workers is lax, use the cases in which poor supervision of workers cost employers to motivate senior management to implement more proactive supervision and to demonstrate to supervisors the importance of their role. But remember that exercising due diligence isn't just about protecting the company from liability and fines—first and foremost, it's about protecting workers from injuries and preventing safety violations and incidents from occurring in the first place.
There are two kinds of due diligence: reasonable steps—the type most commonly argued—and reasonable mistake of fact.
Due diligence is a defence that must be proven by a defendant charged with an OHS violation on a balance of probabilities once the prosecution has proven that violation beyond a reasonable doubt.
Courts consider various factors when evaluating a due diligence defence, most notably foreseeability, preventability, control and degree of harm.
Anyone charged with a violation of the OHS laws, including organizations, government agencies or companies and individuals such as corporate officers, owners, supervisors and workers, can raise a due diligence defence.
The due diligence defence applies to violations of not only the OHS laws but also environmental and other so-called "regulatory" laws, such as traffic safety laws. It may also apply when a company has been issued an administrative penalty or safety compliance direction.
Although due diligence isn't technically a defence to criminal negligence or so-called "C-45" or Westray charges, proving that you exercised due diligence makes it essentially impossible to be convicted of criminal negligence.


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Fallout 4 Far Harbor DLC: What We Can Reveal
Every Fallout 4 fan has legitimate reason to be excited when a new DLC is announced. Now, gamers can truly delight as a release date for the new DLC called Far Harbor has finally been announced, along with some information. Fallout 4 in general is already stuffed with lots of adventures, quests and items and the addition of Far Harbor will add to that. Are we having fun yet?
Bethesda Game Studios, developers of Fallout 4, have detailed what the newest addition to the DLC family (after Automatron and Wastleland Workshop) has to offer. Here's what we can reveal:
You will journey through a mysterious island called Far Harbor
Naming the expansion Far Harbor was a give away, but yes, players will be led through a place called Far Harbor which is actually a fictional depiction of Bar Harbor, a popular tourist destination in Maine.
In the game, you travel off the cost of Maine and into the feral world that is Far Harbor. Here, the high levels of radiation have given the island an eerie quality and this is where you will search for a young woman and a secret colony of synths. Can you work towards bringing peace on the island amidst the growing conflict of synths, the Children of Atom and locals.
In a release, Bethesda called their newest expansion the largest landmass they've ever created. They've filled that land with new faction quests, settlements, lethal creatures and dungeons. Players are also more powerful as they have access to higher-level armor and weapons.
Far Harbor will be released on May 19
When Bethesda first announced a third add-on, they didn't give details on a release date. But one could only venture a guess given the release history of the first two expansions.
Automatron arrived on March 22 while Wasteland Workshop was rolled out on April 12. These dates fell on a Tuesday which many believed Far Harbor would be released on a Tuesday in May as well.
Well, things are a bit different now as Bethesda has announced the release date of Fall Harbor will be on the 19th of May, which is not a Tuesday. But it still does follow the pattern of monthly expansion releases.
Many also believe that Far Harbor will be released around midnight, same as the previous two add-ons.
Far Harbor will be released for PlayStation 4, Xbox One and Windows PC and will cost $24.99.
Fallout 4Fallout 4 Far Harbor
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At the state bowling competition the boys bowling group placed eighth. While, in girls individual competition junior Cassie Widmer placed 21st on Thursday, Feb. 28 at Bishop Carroll High School.
Bowling coach Adam Wessel thought that the boys did a good job at state.
Widmer is disappointed that she wasn't able to medal.
Wessel agrees with Widmer's reaction.


In our last Premodern article, we discussed my picks for what Black cards will impact the up-and-coming format. This time, we take a look at Black's enemy color, White, and see how White plans to stand toe-to-toe with the best Black cards printed between 1995-2003.
The only White cards banned in Premodern are Balance and Land Tax. That keeps things pretty simple. Just like last time, I think Premodern's creator Martin Berlin's sample decklists at premodernmagic.com are a natural place to start.
Edit: Land Tax is unbanned!
1. Survival of the Fittest components.
One of the most ubiquitous combo decks of all time, centered around Survival of the Fittest, makes great use of White. It uses Akroma, Angel of Wrath as a win condition after being dumped into the graveyard and then reanimated by either Recurring Nightmare or Living Death. Other than Akroma, White is used for its toolbox of Monk Realist to destroy troublesome enchantments and Radiant's Dragoons to provide a life buffer and a high-toughness blocker against Burn/Sligh decks. Feel free to chuck her into the way of a Ball Lightning. You aren't going to pay the Echo cost, anyways. As a side note, I always thought that the art of Radiant's Dragoons was pretty sweet. Now is the chance to snag a foil one because Urza's Legacy foils are already getting pretty scarce. They will only get more difficult to find and more expensive when Premodern becomes mainsteam.
Since the very beginning of Magic, White has been almost exclusively used as a "helper" color to support another color's goal. It's a great splash color into control decks. White excels at providing life gain and removal to stall out a game. It has some of the best removal in the game with Swords to Plowshares and Wrath of God.
Two less-used but, in my opinion, still noteworthy cards are Wing Shards and Cataclysm. Both cards are untargetable removal which get around Shroud/Hexproof.
Finally, White also has a great win condition for control, Decree of Justice, which either creates a couple Angel tokens or cycling an uncounterable army of Soldiers during your opponent's End Step.
The engine to find Lin-Sivvi, Defiant Hero starts with Ramosian Sergeant finding a Defiant Falcon. Lin-Sivvi is among the best cards in the Premodern format, period. She is so good that she was banned from Mercadian Masques Block Constructed play on July 1, 2000, less than five months after she was released. Unfortunately, I wasn't really a competitive player, much less a Type II or Block Constructed player, during her short-lived reign of terror. Therefore, I don't have much more input to add other than the fact that one badass dudette that brings a bunch of friends with her has been a winning strategy in every card game ever created!
Once Lin-Sivvi gets going, it's all over. After that, it quickly spirals out of control as Lin-Sivvi allows you to search for and recur the remaining Rebels.
The deck is often paired Blue/White (U/W), not Mono White, so that the Rebels gain the benefit of Blue's counterspells to protect the uncounterable creature search engine. Almost every other Rebel in the deck can summon Whipcorder, which then provides an uncounterable tap engine. Mother of Runes, who isn't a Rebel, also provides countermagic insofar as she sits back and sips tea while giving the targets of your opponent's spells protection from that spell's color. I like the tech of Reverent Mantra, which is ripe for a buyout at bulk rates. Shared Triumph seems a bit overkill to me but what do I know?
4. Enchantment combo decks, such as Opalescence, Lands, and Enchantress.
White has always been one of the best colors for enchantment combos, tutoring, removal, and other interactions. The specific combination of Replenish and Opalescence can be quite deadly if your opponent hasn't been preparing for the army of enchantments that you have been dumping into your graveyard all game.
Academy Rector and Enlightened Tutor helps you find the combo pieces that you need.
A 4/4 that gives you Hexproof, Ivory Mask, and a free 4/4 that makes it so you can't go below one life, Worship, seem like pretty good cards to me!
That's right, the bane of the Onslaught Block itself: Astral Slide! Filled with great cards that cycle for effects like the aforementioned Decree of Justice, Renewed Faith, and Eternal Dragon, the Astral Slide deck is sure to make an initial impact on Premodern.
Earlier, in the context of Control decks, I mentioned that White was a "helper" color. As a "helper" color, it also packs a mean punch in the sideboard department. There isn't much to be said about the above cards. I'm not going to spend any time discussing them because they are pretty self-explanatory. You should include them in your sideboards depending on what your local Premodern meta (hah!) looks like.
Cost-efficient, resilient creatures bestowed with Vigiliance, First Strike, and the protective properties of White Magic has been a winning strategy since somebody put Savannah Lions and Crusade together. Premodern is no exception!
Old School White Weenie decks make use of Osai Vultures as one off the only flying threats in the deck, although after 1995 we had the printings of Suntail Hawk and Battle Screech. However, the finance ship has sailed on Battle Screech, which is a Pauper staple!
We can also plagiarize a little bit of this Premodern list with the other Pauper Staples: Standard Bearer and Deftblade Elite.
It should be noted that Tireless Tribe is the finisher in a Pauper Combo Madness deck that revolves around discarding cards to Tireless Tribe and then switching their power and toughness with About Face. I won't bore you with any further details, but I can confirm that the deck is fun and Premodern legal so it should be on your radar as both a budget Premodern option and as a possible opponent.
9. Reanimator & Sneak Attack Finishers.
White doesn't pack a lot of big baddies, but the ones that it does pack are among the biggest and the baddest. In this department, White values quality over quantity. We've already mentioned Akroma in the context of Survival of the Fittest, but a reanimated Reya Dawnbringer after a Buried Alive can result in two or even three of the best creatures in the game being on your side of the battlefield as early as turn two.
Finally, there aren't many things that are more fun than Sneak Attacking a Serra Avatar FTW.
Thanks for reading. If you read this far, consider joining our Discord and argue with me about the merits of these White cards in real time! We'll be brewing up some Premodern decklists like last time. At the very least, come in and tell me what color to talk about next!
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Council asked to consider transfer of Oil Museum to new foundation
The Santa Paula City Council heard about the concept to transfer the California Oil Museum from the city to a new nonprofit foundation.
The council heard of the plan at the February 1 meeting from Jeanne Orcutt, the former longtime executive director of the historic museum, located at the corner of 10th and East Main streets.
The concept said Orcutt, is to transfer the museum "from the city to the foundation," headed by President Mary Alice Orcutt Henderson.
Henderson and other board members of the newly formed California Oil Museum Foundation were in the audience at Monday's meeting.
Orcutt noted the museum was opened in 1950 by Union Oil — later Unocal — which in 1990 spent more than $2 million in renovating the building and adding the room that now houses a vintage working oil pump.
The remodel included "High-quality exhibitions and a complete restoration," including the former second floor business offices where the incorporation of Union Oil was signed in 1890.
In the mid-1990s "Unocal decided they no longer wanted to run a museum," and the city stepped in leasing the building at a minimal price and continuing the museum operation.
Now owned by Chevron, Orcutt told the council the funding for the operation is covered by fees and admissions, about two-thirds of the operating cost, with the balance covered by the city's former Redevelopment Agency.
"Then, two years ago RDA stopped," when the state of California discontinued the program.
Orcutt said meetings with Henderson and others started at about the same time to ensure the museum would continue to operate.
The foundation has received its nonprofit status and a board selected. Orcutt said "by moving the operation to a nonprofit charitable organization we believe fundraising efforts will be greatly improved…we feel confident in this endeavor," and she asked the council agenize the issue so the transfer can be addressed.
The museum, a National Register recognized building, was completed in 1890 by the Hardison & Stewart Oil Company, that later that year merged with three other oil companies to form Union Oil. The subsidiary Santa Paula Hardware Company was located on the first floor.
The structure remained Union Oil's headquarters until relocating in Los Angeles during the early 1900s.
The museum has an array of permanent exhibits and memorabilia that deal with oil and the industry as well as new displays throughout the year that focus on science, technology, art, local history and transportation.
More that 12,000 people visit the museum each year including students that take advantage of its many educational programs.


Diamond, Missouri – You are invited to "Art in the Park/Earth Day" at George Washington Carver National Monument, on Saturday, April 21, 2018 from 10:00 a.m. to 3:00 p.m. Presented in conjunction with National Park Week, Art in the Park/Earth Day is a free event showcasing the artwork of George Washington Carver.
George Washington Carver was inspired by the natural environment and gained a sense of serenity and personal rejuvenation from his artistic work. Plein air artists will set up along the trail, capturing the beauty of the woodlands, prairie, and streams. Artists will conduct art workshops throughout the day and visitors are encouraged to participate. A "budding artists" area will feature natural dyes, painting color swatches, and other children's art activities. Kids will earn a special Junior Ranger badge!
At 11:00 a.m., enjoy a special presentation by Matt Turner, Visual Information Specialist with the office of Interpretation and Education at the NPS Midwest Regional Office in Omaha. As a talented artist, Turner supports parks with their websites and social media, as well with graphic design needs and projects. His work with graphics and digital media look to entertain and inform people about national parks, particularly the diverse collection in the 13 states that make up the Midwest Region. Turner's created the 75th Anniversary logo for George Washington Carver National Monument.
Join a park ranger for "Expressions of the Soul," a program interpreting Carver's artistic creations including images of his renowned Yucca and Cactus. Several pieces of his original artwork will be on display inside the visitor center.
Earth Day will be celebrated with a special film presentation about Earth Day. Visitors are invited to learn more about the role of tallgrass prairie and plant native seed to begin their own prairie plot at home.
Administered by the National Park Service, an agency of the Department of the Interior, George Washington Carver National Monument preserves the birthplace and childhood home of George Washington Carver, scientist, educator, and humanitarian. For more information, please call the park at 417-325-4151 between 9:00 a.m. and 4:30 p.m., visit the park website at www.nps.gov/gwca, or visit the park Facebook page.


Here's one more comic for the week!
Unsure as to what gifts they should pick out for Gabe, Yogurt suggests that they make something instead. Immediately, Terry figures out what exactly he'll give and expresses his excitement in one of the only ways he can. It wasn't the first time he yelled right up at Risa's face, but she's already had enough. In my experience, anyone that is "too close" immediately makes me feel uncomfortable. It's even worse when pushing them away doesn't send the message across.
Sometimes when people are unsure as to what gifts to pick out, they opt for simply giving them money. Money is great and all, but nothing says "I'm too lazy to figure out what to get for you" than simply giving them money anyways. Even worse with store-specific gift cards.


Lessons from Corporate Supply Chain Finance Implementations Martin Böhme, Senior Manager, PwC Belgium Many treasurers still see SCF as a single point solution - however, it is actually a multi-facet challenge that requires the involvement of various functions and stakeholders.
While supply chain finance is currently a very popular solution for many European corporates, its implementation provides many hurdles far beyond the typical scope of the treasury function. Many treasurers still see it as a single point solution, while it is actually a multi-facet challenge requiring the involvement of various functions and stakeholders. If it is not properly addressed, the programme will eventually fail to deliver the full range of benefits expected by corporates.
Lessons learned from supply chain finance implementations that PwC has supported over the past months show that some of the points needing particular attention are the buy-in of various functional areas, strategic drive and clarity over roles and responsibilities of the different internal and external parties involved.
Corporate liquidity is still challenged, and corporates are taking appropriate measures to optimise their working capital, as PwC's latest European working capital study suggests . However, with an overall declining days payable outstanding over five years, it also showed that the area of trade payables is still overlooked as an opportunity to optimise cash. Buyer-centric SCF programmes can be the ideal tool for this purpose, but only if the following obstacles are appropriately managed.
When selecting the appropriate funding providers for SCF, make sure to leverage sweetspot of banks. Looking only at your current relationship banks or purely from share-of-wallet considerations is only acceptable as long as these already have global capabilities and are present in the geographies from which you are sourcing. Your SCF banks should not only be the market of your buying organisation, but ideally be present in the sourcing market. To on-board a maximum of suppliers in these foreign markets, corporates will be able to benefit greatly from local bank operating staff to support the on-boarding in the local markets by speaking their language, and understanding suppliers' requirements and needs. Secondly, performing typical procedural requirements and regulations on banks' know-your-customer (KYC) with suppliers in remote locations adds an additional layer of complexity, and can even break the deal. Given the continuing focus on the bottom line and the growth of sourcing from emerging markets, such as Asia, the disconnect will continue to become more pronounced for many organisations.
Furthermore, a bank's local branch will use this opportunity to strengthen relationships with these suppliers, and not regard it uniquely as a burden to please the buying organisation. On several occasions, we have witnessed a certain reluctance on behalf of the banks to on-board suppliers that are considered to be 'non-strategic' and where current spend volumes are not high enough to compensate for investments made by the banks. This issue is even more pronounced if the chosen bank's capability is based on a partner in the given location, where the partner is also not domestic in the given country. Hence, carefully designing the programme structure and selecting the right partners upfront saves costly surprises later down the road.
Compared with other projects in the treasury area, implementing SCF is definitely an exception, as the number and diversity of different stakeholders involved is very high. This leads to higher complexity to manage, and hence the corporate treasurer will need internal alignment and buy-in, especially with colleagues from procurement, as to what the activities are that the organisation will perform and what the banking partner is expected to provide. It is important to involve all related parties early on in the process. Recently, we have seen examples of corporates where this split has not been explicitly enough defined, and a few months down the road the project is 'stuck between chairs', has only attracted a couple of suppliers, and is far behind benefit expectations.
For example, we encountered a European pharmaceutical player where during the initial ramp-up tasks had not been allocated properly towards the banks, or internally in the organisation between group and entities. Eventually, this led to a poor programme, where after 18 months since the start of the programme only a few suppliers had been enrolled successfully.
Achieving the buy-in of multiple stakeholders also requires speaking a common language. It is only natural that the roll-out needs to be managed by the buyers and purchasing managers who will communicate further towards the account manager or sales person of the supplier. This is already a challenge in itself, where the corporate treasurer is required to leave his comfort zone, overcome corporate silos and act as a change manager. A second hurdle exists on the side of the supplier: the easiest way to achieve mutual agreement and with that fast on-boarding is when you speak to finance and treasury at the supplier's side. At an implementation at a global FMCG, this had been a cause for concern for one Top 10 supplier. The sales person did not appreciate the benefits of joining a SCF or had individual objectives that were not aligned with this proposition. Such common situations can reduce the overall chances of success, as the first sales contact might straight away close the door on this topic, but it will certainly take more time to achieve the full expected benefits. Fruitful discussions can take place only after the right counterparties from the supplier organisation have been identified. This is also an area where the strength of supplier relationships becomes vital: if the level of mutual trust is high then the supplier will be much more open to enter such discussions.


Applications are now open for CARA's National Inclusion Awards which will take place on December 3rd.
The awards recognize organisations that have contributed to giving people with disabilities ease of access to sport and physical activity and are run by CARA, an organisation that promotes awareness of and accessibility to sport and physical activity amongst people with disabilities.
There are eight different awards on offer, which cover a number of different types of organisations, including leisure centres, adventure centres, sports governing bodies and sports clubs to name but a few, along with various levels of the education system from primary school level to third level.
Entries will be judged by a four-person panel to include Nicky Hamill (Irish Wheelchair Association Sport), Ciaran Murphy (Irish Sailing Association), Brenda O'Donnell (CARA) and Declan O'Leary (Coaching Ireland).
This year's awards ceremony follows on from a hugely successful event last year, which CARA are hoping to build upon.
Applications for the awards closes on June 17th, and you can find out more information on how to get involved here.


Hanna Werning can be numbered among the most versatile contemporary pattern designers in Sweden. She trained in graphic design at St. Martin's College in London and has worked for a broad spectrum of clients in design and advertising. Her expressive patterns for textiles and wallpaper have attracted the most attention, in which organic and stylised shapes are built up into fun compositions, such as Djurträdgård for Borås Cotton.


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Home brothers Grimm Disney fairy tales fantasy folk tales G.K. Chesterton imagination Mother Goose nursery rhymes Philip Pullman Prince Charming princesses Taylor Swift Tolkien In Defense of Fairy Tales
In Defense of Fairy Tales
In January 2016, Royal Society Open Science published a paper whose dry title hid a fascinating discovery. Using scientific methods that trace evolution and mutations, researchers discovered that common fairy tales are far, far older than had been realized: older than the Bible.
Many people, including a lot of children's writers, say they dislike traditional fairy tales. Who needs swooning victim-princesses rescued by handsome princes, marrying a man they just met and living improbably happily ever after? (In France, fairy tales commonly end "and they had many children." As Queen Victoria wrote to her uncle, "I think, dearest Uncle, you cannot really wish me to be the 'Mamma d'une nombreuse famille....")
In fairy tales the bad guy is very easy to spot. Then you grow up and you realize that Prince Charming is not as easy to find as you thought. You realize the bad guy is not wearing a black cape and he's not easy to spot; he's really funny, and he makes you laugh, and he has perfect hair. –Taylor Swift
Folk-lore means that the soul is sane, but that the universe is wild and full of marvels....In the fairy tales the cosmos goes mad; but the hero does not go mad. –G.K. Chesterton
When I ask people why they don't like fairy tales, it often becomes clear that they are not actually talking about traditional tales but about the Disney movie version. For example, one standard complaint is that young women in fairy tales wait around to be rescued by a handsome prince. Certainly Disney's Cinderella, Sleeping Beauty and Snow White do this (although I would argue that they also show some fine qualities, not just simple patience). Even Taylor Swift assumes that the bad guys in a fairy tale are obvious. Sometimes they are, sometimes they're not:
The horrible Laidly Worm (loathesome snake, or dragon) is actually Childe Wynd's enchanted sister, Lady Margaret, who fights hard against her fate. A childe was a youth of noble birth. Many fairy tales are about brothers' and sisters' loyalty to each other.
As for languorous princesses, in a classic fairy tale you are more likely to find an orphan girl who toils away as a housemaid or cook, or who has to climb a glass hill, or who wanders into a goblin forest to meet the creatures there because everyone is cruel to her at home. If there is a princess, she is probably unfortunate: she works nettles into shirts till her fingers bleed to save her brothers, or becomes a goose girl. A youngest son, whom everyone thinks is stupid and treats badly, is generous to an old woman and suddenly finds himself with a magic gift as a reward. A kind man saves a mouse, or a lion, and the mouse or lion helps him survive.
Fairy tales show us the world of our ancestors, and the concerns in them are basic survival. The stories are set in a time when parents often couldn't feed their children, when bears and wolves roamed and unknown dangers lay in forests so deep no one knew where they ended. It's easy to forget that this era was much, much longer than ours and made a profound impression on the human psyche.
People in fairy tales are identified by their occupation: farmers or woodcutters, tailors or fishermen, kings or millers. Most people are poor. Women–including queens–die young from continuous childbearing; the cruel stepmothers you see in many stories are often just teenagers themselves, inheriting hard work for someone else's children. All kinds of fantastic things can be imagined about strangers and the lands beyond the horizon. Who knows–maybe there are such things as a pot that never stops making oatmeal, or a goose that lays golden eggs, or a house that walks around by itself on chicken legs.
Vasilisa, and in the background, Baba Yaga's house on legs
[These stories] open a door on Other Time, and if we pass through, though only for a moment, we stand outside our own time. –J.R.R. Tolkien
Philip Pullman has recently published his own new version of some of the best of the original Grimm's fairy tales, which were collected by the Grimm brothers from old people in the early 1800s. According to Pullman, one of the traits of true fairy tales is that they are pure plot. This is also a feature of the Norse sagas, of ballads and many mythologies. It has affected his writing: "I am using less description that does not move the story on." In a fairy tale, no one sits around reflecting on life; things are too pressing for that.
Arthur Rackham's illustration for Hansel and Gretel, 1909. Poor European children still dressed like this in his day.
"Fairy tales," says Pullman, "are about basic human situations....Cinderella feels that 'this is a horrible family and I don't belong here, I am much better than this really and I ought to be a princess'." He adds, "Children have a profound and unshakeable belief that things have got to be fair." Fairy tales are satisfying partly because we all know that the real world doesn't always reward the good and punish the bad.
As a child, I loved fairy tales. When I was eight or nine, my father, a professor, would take me to the university library sometimes, dropping me off there and going on to his office. (No one would do this nowadays!) For a few hours, I would have the run of the university library's children's section.
After browsing deliciously for a while, I would curl up in a big armchair with a stack of fairy tale books–Andrew Lang, or Tales From Silver Lands, or Hans Christian Andersen, or Japanese Fairy Tales.
Here's what I learned from them. Taylor Swift would nod in recognition.
1) Most girls are princesses, orphans, or the youngest daughter of three. (I was the oldest of seven....)
2) The youngest son is always the good one. (In real life, the younger son never inherited and had an inferior position in almost every culture.)
3) The king could just give away his daughter as a reward to someone.
All right, not very useful lessons for today. The second one reminds me of Diana Wynne-Jones writing in her Tough Guide to Fantasyland. (Eyes...Blue eyes are always GOOD, the bluer the more Good present... Caution: Do not apply these standards to our own world. You are very likely to be disappointed.) The third one is just annoying, but it is a reminder of women's status for millennia.
The fairy tale offers you freedoms that reality denies. –Azar Nafisi, Reading Lolita in Tehran
But what about these?
1) Terrible things happen even to heroes.
2) A girl is as brave as a boy. (Real fairy tales are astonishingly egalitarian. Think who was telling them.)
3) Dragons, ogres and trolls can be defeated.
4) Being kind is always the right choice.
5) Persevere.
I urge you to give real fairy tales another chance, thinking about their origins, and admiring their headlong narrative that pulls you into the Dark Wood. For example, check out this complete collection in English of the brothers Grimm. And try to tell children the classic stories before they see the Disney versions, the parody versions, the edgy new versions. For a child who hears them for the first time, fairy tales are as new as the day they were first told.
Some day you will be old enough to start reading fairy tales again. –C.S. Lewis
Julie Sullivan's favourite childhood fairy tales were the story of Oisín and the tale of Elsa and the Tontlawald.
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In Defense of Fairy Tales Reviewed by Julie Sullivan on 07:30 Rating: 5
Tags : brothers Grimm Disney fairy tales fantasy folk tales G.K. Chesterton imagination Mother Goose nursery rhymes Philip Pullman Prince Charming princesses Taylor Swift Tolkien
John Shelley 11 April 2016 at 09:37
Really excellent piece Julie, I very much agree, original fairy tales are far, far more than common media would have the public believe. I treasure my aging tomes!
Catriona Tippin 11 April 2016 at 17:38
Interesting and inspiring, and I love the two lists with the three MacGuffins and then the five excellent Life Lessons.
Hot Frog 13 April 2016 at 01:19
Thanks for this Julie. I've always loved the magic of Fairy Tales. The deep dark wood .... I think it's what still pulls me in and on.
Great post. Lots to think about. Thanks!
Troy Flores 2 May 2016 at 08:43
Often, when writing we are confused as to whether to summarize or to paraphrase. Both summarizing and paraphrasing are two different types of writing. You need to understand whether you need to summarize a text or to paraphrase it. See more essay proof reader
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Pu Xiao obtained his BSc (2004) in Chemistry and PhD (2009) in Polymer Chemistry and Physics from the Wuhan University (China). Then he started his academic career as a Scientific Associate at the University of Applied Sciences and Arts Northwestern Switzerland from 2009. In 2012, he moved to the Institute of Materials Science of Mulhouse, CNRS (France) and worked as a Postdoctoral Fellow. In 2013, he was awarded an Australian Research Council (ARC) Discovery Early Career Researcher Award (DECRA), and worked as a DECRA Research Fellow and Lecturer at the University of New South Wales (Sydney) from 2014. In 2017, he was awarded an ARC Future Fellowship and then commenced as an ARC Future Fellow at the Australian National University.
Our research interests focus on the fabrication of polymer-based materials under environment-friendly conditions such as mild visible light irradiation, the investigation of light-induced responses of materials, and the study of the relevant photophysical chemistry.
Please contact Dr Xiao for the opportunities to join the group.


NACE is excited to introduce you to one of our newest members, Justine Fronzaglia! Justine works for Hyatt Regency Boston Harbor as their Event Sales Manager & Wedding Specialist and is now thrilled to get to know all of our NACE members. Before our next meeting we thought it would be nice for us to get to know Justine a bit more!
Justine was a part of DECA in high school and was able to attend their International Career Development Conference in Anaheim, CA where she attended workshops & networking events to educate herself on how to advance her business skills & career to the next level. It was this major event that is what sparked Justine's interest in working in the events industry. She has now been in the events industry for seven years, beginning to dive into the field at Endicott College. She got her first internship freshman year at a catering company for a corporate office in downtown Boston. From there, she has worked or interned for 8 different hospitality companies, everything from a winery to working for the Boston Bruins!
Justine then became part of the Hyatt Hotel family, starting her career of 4 years with Hyatt to date at Hyatt Regency Boston Harbor. She began as a Front Desk Agent and quickly transitioned to the Events & Sales Department as a Catering Coordinator. During this position of about two years (& two complete wedding seasons) Justine fell in love with weddings & all other social events. After two years as a Coordinator, Justine left Hyatt for one year to work at Boston Metro Market for Starwood Hotels & Resorts in their Catering Sales Department. She just recently became Event Sales Manager back at Hyatt Regency Boston Harbor!
Justine has a selling market for social events, corporate meetings and events plus weddings at Hyatt Regency Boston Harbor. She loves her job and has learned that balancing between the three different markets is a challenge as their expectations & requests are always very different. Justine states, "If you really love your job and location, you can really sell to anyone! I love meeting clients or wedding couples and walking them through their visions of their wedding day and what we can do to make their dream a reality. I have a great team [at Hyatt Regency Boston Harbor], and we all become friends with our couples so it makes it a really fun planning process." Justine's wedding couples are what make the job fun!
In her down time, Justine visits her parents on weekends at their lake house near the Cape – she loves to be out on their boats. She is also engaged, and spends her free time planning her own wedding. When speaking with her couples Justine can really connect, as she knows exactly what it means to be a bride!
Justine is excited to join New England NACE because it will give her a chance to meet and connect with her fellow industry colleagues. She looks forward "to be able to talk about future trends and challenges in today's industry and to learn about all of the different hospitality companies we have in Boston and how we can all work together." Justine also told us that "having colleagues or friends who know what you go through on a daily basis, definitely helps" and we at NACE cannot be more thrilled to welcome her into our community. Make sure you look out for Justine at the next NACE meeting, and get to know her even more!
We at NACE would love to hear from you. In the comments below, let us know if you have any warm welcomes or questions for one of our newest members, Justine Fronzaglia. Thank you for sharing!
Event Sales management is one of the best thing. Nace i must appreciate this blog!
Congratulations Justine on becoming the member of nace. Also welcome on board and I hope you would be a great asset for this organization. Good luck for your future projects.


The entire "Roll up the Rim" campaign rests on the physicality of the cup itself. Almost 300 million cups are produced for the campaign, which usually ends in mid-April. Some winners have been required to send in the entire cup to claim their prize, instead of just ripping off the tab. But to redeem any prize, a cup is required, which is something tangible.
But packaging is on everyone's mind these days. Hardly a day goes by without a story on plastics, garbage, or unsustainable practices in food retailing. In 1986, when Tim Horton's Roll up the Rim campaign started, cities were still a few years away from launching recycling programs. Today, not only are food retailers and restaurant outlets under watch, Tim Horton's has been targeted specifically as one the largest generators of garbage that ends up on Canadian seashores, alongside McDonald's, PepsiCo, Coca Cola, and Nestle.
What is different now is how society values the concept of the circular economy. A company, any company, will remain responsible for the product it sells, from the initial transaction between the consumer and retailer to when all materials have eventually been repurposed, in one way or another. No waste, no pollution -- only positive and desirable results, from a sustainable perspective. But even the slightest disregard for the environment will break the cycle of sustainability. Everyone cares about the environment, it seems, until life gets in the way. Time constraints, carelessness, laziness -- many things can prevent proper disposal of products once they get into consumers' hands. But gradually, companies are being held partially responsible for the garbage left in a parking lot, a stadium, on a beach or in a school yard. Times are changing. But the Roll Up The Rim To Win campaign is not.
A group of Calgary-based students, Mya Chau, Eve Helman and Ben Duthie, have amassed over 100,000 signatures to encourage Tim Horton's to bring the entire campaign online. Another Albertan tried the same thing in 2016. Digitizing the promotion is being proposed by these groups so that customers can then bring in their own reusable cups to Tim's, in order to reduce waste. A noble objective indeed. For Tim Horton's though, such a shift would fundamentally change the nature of what the campaign is all about. There would no longer be conversations among friends or co-workers, with their cups of Tim's coffee, waiting to see if anyone has won a car, cash, or simply another coffee. The campaign strategy worked and got many Canadians hooked. And sales at Tim Horton's during the mid-winter months magically soared and customers kept coming back.
But it's 2019, and the argument that increased profit justifies the means carries less weight than it did in 1986. It's not just about increasing sales or getting customers on board. A promotional campaign is now, perhaps more than ever, about making people feel better. Buying countless paper cups with plastic lids isn't acceptable anymore, especially for younger customers, specifically Generation Z and Millennials. That would be anyone under the age of 39, which accounts for more than 40% of the population. Demographic pressures are real. Not only does this age group value the environment, their economic clout is increasing. What's more, they mostly see the internet, or apps, as a viable, easy alternative to any physical aspects of a marketing campaign. They believe that if the technology exists, why not use it? Some less tech-savvy customers may feel disenfranchised by a shift to an online campaign, but Tim Horton's could risk losing more customers by sticking to past practices. Starbucks and other chains are making changes, so expectations are shifting rapidly.
Simply put, Canada's love affair with Roll Up The Rim To Win needs to be modernized. It was nice while it lasted, but Canadians are expecting restaurant chains to embrace the circular economy, and that includes Tim Horton's.


The Padres appear to be set in terms of rotation depth, Corey Brock of MLB.com writes. They aren't likely to target a starter this offseason unless it's a player that could sit at the top of a rotation or provide long-term value. Such a move would likely be via trade, Brock says, adding that the club's main focus will be on finding left-handed offense.
Henry Schulman of the San Francisco Chronicle profiles Giants pitching prospect Kyle Crick, who has drawn comparisons to Matt Cain. While the 20-year-old Crick may have the highest ceiling among Giants pitching prospects, he's not likely to help the major league club in 2014, as he finished the year at High-A San Jose.
The Los Angeles Times' Steve Dilbeck comments on a report from Fox Sports' Ken Rosenthal that the Dodgers are listening on Matt Kemp, Andre Ethier and Carl Crawford. Shopping the veteran outfielders is the right move as the club explores extensions for Hanley Ramirez and Clayton Kershaw, Dilbeck says. However, he adds that the salaries and injury histories of the three make a deal unlikely.
The Rockies have reached out to Tim Hudson, but they will have to overpay in either dollars or years to pique his interest, according to Troy E. Renck of the Denver Post. MLBTR's Steve Adams predicts a one-year, $9MM contract for Hudson (#31 on MLBTR's 2014 Top 50 Free Agents list), but Renck believes the right-hander may be able to secure a two-year deal with as many as 15 teams in pursuit.
Within the same article, Renck reports the Rockies will make an offer to free agent catcher Carlos Ruiz, but it's unclear whether they are willing to go beyond two years.


Part of the Round Table Collection, the USA Capital Puzzle is ideal for groups of two or more. Circular puzzles have the top of the image in the center and the bottom of the image around the entire circle so everyone has an equal seat around the puzzle. As you work your way around this puzzle, you visit some of this country's greatest landmarks and get in the spirit that inspired the Constitution of the United States. Embrace the very words, and they're embodied in U.S. nation's Capital architecture and monuments in an inspirational puzzle experience. The 500 piece puzzle is designed for participants ages 8 and up.