When the Champions League and Europa League will be updated?
Will there be any Nations League competition added?
If I want to help for a new league to be added (Greek 2nd Division for example) how can I do it?
When will you add Usain Bolt to Central Coast Mariners?
why Morel is less good than Solet and especially Yanga Mbiwa?
While he was a holder for 2 years with OL and there holder in rotation with Denayer, Solet is a young man who has not yet play pro or very little, Yanga Mbiwa plays with the reserve team of Lyon since 2 years and we try to get rid of them.
We could put Morel and Denayer at 80 and Mbiwa at 60 ... in defense.
hello.. may i know when will 442oons league be updated?
Player ratings are determined by market value, with age additions for those players aged 30 or over. We apply the same principle across all leagues on OSM, so won't be making any exceptions, sorry.
@blob59 Ok so there is only the market value that counts on OSM, the quality of the player we do not care? If the player has only 1 year contract and 30 years he is less good on the game It's a shame not to be close to reality, have specialists in each major country.
Really good work guys. Can't wait for Champions League and Europa League!!!


text:
Driver Group Game Picks for Pocono
May 28, 2018 June 3, 2018 FantasyRacingTips Driver Group Game
The Monster Energy NASCAR Cup Series will compete at Pocono Raceway this week in the Pocono 400. No track on the circuit is like the "Tricky Triangle". The long straightaway's and the three unique corners make this a difficult track for the NASCAR teams. The race can be seen Sunday night at 2 p.m. ET on Fox Sports 1.
The MENCS will have a reduced practice schedule this week. There will be one practice Friday morning and the final practice will be Saturday morning. Qualifying will be Friday evening at 4 p.m. ET. Our Driver Group Game picks need to be selected by 8 a.m. Friday morning.
Kyle Busch won the pole and dominated the race at Pocono last year. He led 100 of the 160 laps in the race. Kyle Larson also ran up front. He qualified 7th, led 9 laps and won Stage 2. Ryan Blaney ran down Kyle Busch with 10 laps to go and went on to win the race.
Race Rewind at Pocono: Pocono 400 (2017)
Pocono is a crew chief and manufactures' race. The three corners at the Tricky Triangle are very different and it is impossible to get the car to drive perfectly through each of them. The crew chiefs need to sacrifice in one turn to make the car good in the other corners. The teams that have the best balanced car will be fast Sunday.
The engines are also important this week. The cars turn a lot of RPMs at Pocono so the teams with the most horsepower will run up front. Toyota has been working on a new engine and it made its debut last week at Charlotte. It looked pretty good!! Usually there is a shift in momentum after the All-Star Race and teams who dominated the first 12 races come back to the pack and teams who struggled start to catch up. I expect the Toyotas to close the gap on the Fords and become more dominant over the summer. I will have a lot of Fords and Toyotas in my lineup this week.
Here are my picks for Pocono…
Driver Group Game A Picks
Kyle Busch (6): Busch is my pick to win this week. Kevin Harvick had a 3 win streak followed by 2 wins in a row, not it is Busch's turn to have back-to-back wins after a 3 win streak earlier this season. Busch won the pole for both races at Pocono last year and he is coming off a pole win at Charlotte. He is the best choice to earn 10 points for winning the pole. Busch also led the most laps in both races at Pocono last year. He is coming off a dominant performance at Charlotte and Busch is the defending race winner at Pocono. There is no way you can leave him off your team this week.
Kevin Harvick (4): I thought about going with Kyle Larson or Brad Keselowski in this spot but after Harvick's interview following his wreck at Charlotte, I decided to use Harvick as my backup to Kyle Busch. Harvick told PRN Radio, "You have to take the good with the bad and we had a lot of good this season. We will put this race behind us and work even harder this week so we can spank the field at Pocono." The last time Harvick made these type of comments he did just what he said he would do. I am 80% sure I will use Busch as my starter so having Harvick for qualifying points and an insurance policy is not a bad idea.
Group A Driver Rankings: 1) Kyle Busch 2) Kevin Harvick 3) Kyle Larson 4) Brad Keselowski 5) Denny Hamlin 6) Martin Truex Jr. 7) Joey Logano 8) Jimmie Johnson
Driver Group Game B Picks
Saving allocations in Group B is important but so is scoring as many points as possible each week. There are 18 races left on the schedule (not counting the Superspeedways and Road Courses). That means I need 36 allocations from my top drivers in Group B. If I only use Ryan Blaney, Kurt Busch, Erik Jones, Chase Elliott, Clint Bowyer and Aric Almirola I will have 35 allocations. My plan is to lean on these drivers this season and sprinkle in some Jamie McMurray, Ricky Stenhouse Jr. and Daniel Suarez when I need to.
Ryan Blaney (4): Blaney won the spring race at Pocono last year. It was his first win in the MENCS. You would think Blaney would be extra motivated this week to defend his title at this track. The race this week comes down to horsepower and pure speed. That is something that the No. 12 team is very good at generating. Blaney ranks 3rd in Green Lap Speed and 6th in Fastest Laps this season. He qualified for both races at Pocono in the top 5 last year. I expect Blaney to be a threat for the pole and run in the top 10 Sunday.
Kurt Busch (3): Busch has not won in 2018 but that could change this week. Busch won at Pocono in 2016 and it is no secret Stewart-Haas Racing desperately wants to get Busch and Aric Almirola a win so they can secure their spot in the playoffs. SHR has been giving Busch one of their top cars and it shows. Busch has the third-best average finishing position this season, only behind Kyle Busch and Joey Logano (Yes… He has been better than Kevin Harvick, Martin Truex Jr. and Kyle Larson). His average finishing position in the last 4 races is 5th. I expect Busch to have a fast car and run in the top 10 again this week.
Clint Bowyer (6): Bowyer has run just as well as his teammate, Kurt Busch but he has a tendency to fall back a few positions at the end of the race. Bowyer ran very well in his last race at Pocono. He qualified 7th, led 5 laps and finished 6th. The No. 14 team has a lot more speed now than they had at Pocono last year. Having 2 cars from the Stewart-Haas Racing team is not a bad strategy for the Pocono 400.
Erik Jones (7): Jones sure had a fast car last week at Charlotte. The problem is that the team kept beating themselves in the pits. It is a lot easier to clean up mistakes on pit road than it is to find speed for the car. I expect Joe Gibbs Racing to fix these problems before the race Sunday. If they do, Jones could be the best pick in Group B. He finished 3rd and 8th in his two races at Pocono last year and he led laps in both races too. This is one of his best tracks so it would be wise to have Jones on your team this week.
Group B Driver Rankings: 1) Kurt Busch 2) Ryan Blaney 3) Erik Jones 4) Clint Bowyer 5) 6) Chase Elliott 7) Aric Almirola 8) Ricky Stenhouse Jr. 9) Daniel Suarez 10) Paul Menard
Driver Group Game C Picks
Darrell Wallace Jr. (9): I have not used any allocations with Wallace yet and that surprises me. The reason is because I have not been able to trust Wallace this year. That is starting to change. Wallace has been able to run inside the top 20 and make some appearances inside the top 10. Wallace drove the No. 43 car at Pocono last year after Aric Almirola was injured at Kansas. Wallace qualified 26th and finished 16th. I expect similar results from him this week.
William Byron (6): I thought about using Chris Buescher as my back up to Darrell Wallace Jr. since Buescher has a win at Pocono on his resume. I have been burnt by Buescher enough times this year to know that I need to stop messing with fire. This race is about horsepower so the two drivers from Hendrick Motorsports (Alex Bowman and William Byron) will have it. I am saving Bowman for the short tracks so Byron gets the final spot in Group C. Last year Byron qualified 5th and finished 12th in the Xfinity Series at Pocono. I do not plan on using him but if I do I think he can score a top 20 finish Sunday.
Group C Driver Rankings: 1) Alex Bowman 2) Darrell Wallace Jr. 3) William Byron 4) Chris Buescher 5) David Ragan
Driver Group Game Team
Group A: Kyle Busch (6), Kevin Harvick (4)
Group B: Ryan Blaney (4), Kurt Busch (3), Clint Bowyer (6), Erik Jones (7)
Group C: Darrell Wallace Jr. (9), William Byron (6)
I will post my final picks for Driver Group Game after final practice Saturday.
*Stats from Driveraverages.com and career stats from Racing-Reference.Info…
If you need any further advice with your team, look for me on Twitter @MrFantasyNASCAR
If you like Fantasy NASCAR, LIKE my Fantasy NASCAR Tips Page on Facebook
Early Week Driver Rankings for Pocono
DFS PGA Picks for Memorial Tournament

redpajama_set_name: RedPajamaCommonCrawl


The Indivisible East Bay email newsletter usually offers three top priority actions each week, along with local events, state and local news, and—did we say actions?—even more actions, because there's always more we can do! Each week, you can skim the top panel and get straight to work, or you can get more in-depth information about the important issues we face.
Sign up for news, events, and calls to action for the East Bay. Let's stand indivisible!
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text:
package com.ociweb.gl.api;

import com.ociweb.pronghorn.pipe.*;

import static org.junit.Assert.assertEquals;

interface MyConsumer<T> {
    void accept(T t);
}

public class BlobReaderFactory {

    public static ChannelReader generateExtractionDataToTest(MyConsumer<DataOutputBlobWriter<?>> appender) {
        Pipe<RawDataSchema> p = RawDataSchema.instance.newPipe(10, 300);
        p.initBuffers();
        int size = Pipe.addMsgIdx(p, 0);
        DataOutputBlobWriter<?> stream = Pipe.outputStream(p);
        stream.openField();

        ///Here is the data
        appender.accept(stream);

        //Done with the data
        int lenWritten = stream.length();

        stream.closeLowLevelField();
        Pipe.confirmLowLevelWrite(p,size);
        Pipe.publishWrites(p);

        Pipe.takeMsgIdx(p);
        DataInputBlobReader<?> streamOut = Pipe.inputStream(p);
        streamOut.openLowLevelAPIField();

        assertEquals(lenWritten, streamOut.available());

        return streamOut;
    }
}

redpajama_set_name: RedPajamaGithub


text:
King of the North: Kawhi Leonard wins NBA Finals MVP
Tim Reynolds	The Associated Press Published Friday, June 14, 2019 1:21AM EDT Last Updated Friday, June 14, 2019 1:47AM EDT
OAKLAND, Calif. -- Kawhi Leonard's first season with the Toronto Raptors started with his now-infamous laugh.
It ended with him getting the last laugh.
The best player on the league's newly crowned best team is an NBA Finals MVP for the second time. Toronto finally sits atop the basketball universe, with Leonard averaging 28.5 points in a six-game finals victory over the Golden State Warriors to lead the Raptors to their first championship.
He arguably ended any debate about who the best two-way player in the sport is at this moment.
"This is what I play basketball for," Leonard said. "This is what I work out for."
The King of the North, as they've been calling Leonard in Toronto, was King of the Playoffs. He's the third player to win Finals MVP with two franchises, joining only Kareem Abdul-Jabbar and LeBron James.
"I think he's the best two-way basketball player in the NBA," Raptors guard Kyle Lowry said. "He just goes. You know, I've seen some stuff from him this year that you just say, 'Wow.' You do. You say, 'Wow.' You appreciate the work that he's put in. He works extremely hard at his game and works extremely hard on his body. And he loves this basketball thing. Loves it."
Perhaps never more so than Thursday night.
After missing most of last season with a leg injury, after having his commitment questioned, after getting traded to Toronto, Leonard returned to basketball's mountaintop. He thrust both arms high into the air when it was over, letting out a scream of joy. He even allowed himself a tiny smile when he hoisted the MVP trophy.
"He's just a competitor," Warriors guard Stephen Curry said. "We respect that, for sure. He's shown that again this entire playoff run."
Giannis Antetokounmpo will probably win the NBA's MVP award in a couple of weeks. James Harden and Paul George are the other finalists. And while all three of those players had marvelous regular seasons, the post-season was Leonard's personal showcase.
He scored 732 points in the playoffs. Only Michael Jordan (759) and James (748) ever scored more in a single post-season. Leonard finished with 14 games of 30 points or more in these playoffs. The only players with more in a single post-season are Jordan (16 in 1992), Hakeem Olajuwon (16 in 1995) and Kobe Bryant (15 in 2009).
"Without a doubt, the best thing about this thing is that somehow I wound up on the sideline getting to watch this guy play up close," said Raptors coach Nick Nurse, who won an NBA title in his first season as a head coach in the league. "It's really cool."
Leonard was the unquestioned leader. When the Raptors lost Game 2 of the NBA Finals at home and surrendered home-court advantage in the series, Nurse walked into a very glum locker room and reminded his team that it merely needed to win either Game 3 or Game 4 at Oracle Arena to reclaim control of the series.
Some nodded in agreement.
Leonard offered an expletive instead, and urged his team to win both.
They got both.
And then, on their return trip to Oakland for Game 6, they got one more. They closed Oracle with a title-clincher.
"I don't know that any people will argue with me that he's the best two-way player in the NBA," Raptors President Masai Ujiri said.
Getting Leonard was just one of a bold series of moves Ujiri made in the last 12 months. He fired last season's coach of the year in Dwane Casey and hired Nurse. He traded away three players at midseason for Marc Gasol. And he took the risk that Leonard would be both happy enough and healthy enough to take the Raptors to the newest and highest of heights.
The trade that sent DeMar DeRozan to San Antonio for Leonard was high-risk, high-reward. Leonard was acquired on July 18 and formally introduced as training camp was beginning on Sept. 24. He can become a free agent on June 30 and he'll almost certainly make in excess of $32 million next season no matter how long a deal he ends up signing -- and whether that's in Toronto or someplace else.
"This is the place for him," Ujiri said.
Leonard texted Lowry on the day the trade went down, and planted the seed that they could do something special together.
"And we are here today," Leonard said, champagne dripping off his shirt.
Regardless of what's next, Leonard's memorable post-season won't soon be forgotten.
There was the four-bounce-off-the-rim, at-the-buzzer jump shot from the corner to beat Philadelphia in Game 7 of the second round. A 15-point fourth quarter to lift the Raptors past Milwaukee in the pivotal Game 5 of the Eastern Conference finals. A 17-point third quarter at Oracle Arena in Game 4 of the finals, as the Raptors took control of the game and the series.
"You can always see in his eyes that at any given time he can kind of take over," Pascal Siakam said.
Leonard can be thought of as enigmatic or anti-social.
He's not really either of those things. He's just quiet.
His path has not been an easy one. He wasn't highly recruited in high school. By the time bigger colleges were calling, he was committed to San Diego State. He wasn't even a lottery pick, getting taken No. 15 in the 2011 draft -- behind the likes of Derrick Williams, Tristan Thompson, Jan Vesely, Bismack Biyombo, Jimmer Fredette and Alec Burks, none of whom averaged 10 points per game for their NBA careers.
He rarely opens up about anything. He doesn't talk about his private life. He hardly ever discusses the murder of his father, which happened when Leonard was playing in high school. He scored 17 points in a game the day after his father was shot and killed, perhaps the ultimate proof that he's always been capable of blocking out everything else when he steps onto a court.
"Once it happened, I thought about it a lot," Leonard said. "But as I got older, I pretty much just really stopped thinking about it. I think it just gave me a sense and feel that life and basketball are two different things and just really enjoy your time and moments. Like I always say, this is basketball; just go out there and have fun. These are going to be the best years of my life, playing this game."
The best year yet just happened.
And with Leonard just entering his prime, there might be much more to come.
Toronto Raptors' Kawhi Leonard (2) celebrates after the buzzer as the Raptors defeat the Golden State Warriors in Game 6 NBA Finals action to take the NBA Championship in Oakland, Calif., Thursday, June 13, 2019. THE CANADIAN PRESS/Frank Gunn
Toronto Raptors forward Kawhi Leonard, center left, celebrates after the Raptors defeated the Golden State Warriors in Game 6 of basketball's NBA Finals in Oakland, Calif., Thursday, June 13, 2019. (AP Photo/Ben Margot)
Toronto Raptors players and coaches celebrate after the Raptors defeated the Golden State Warriors in Game 6 of basketball's NBA Finals in Oakland, Calif., Thursday, June 13, 2019. (AP Photo/Tony Avelar)
NBA Finals Game Six
Raptors clinch first NBA championship in thrilling 114-110 victory over Warriors
'What a time to be alive': Social media erupts after historic Raptors win
Fans across Canada delirious as Toronto Raptors win NBA championship
The injuries pile up, and the Warriors' reign ends
Toronto Raptors point guard Fred VanVleet comes through in clutch
Game 5 loss is ancient history to 'live in the moment' Toronto Raptors
Raptor Fred VanVleet's hometown in Illinois organizes own Jurassic Park
16 magic moments that brought the Raptors to the cusp of glory
Gambles that paid off: How going all-in led Raptors to victory
'Fight or flight': NBA Finals provoke primitive stress response, says scientist
Late-night Raptors games offer families bonding time, push bedtime rules
Curry: Hard to avoid boorish fans at Finals, but heckling his family is 'stupid'
'Why is Toronto called 6?': What people are Googling before Game 6 of NBA Finals
Kevin Durant undergoes surgery for ruptured Achilles
Votto, Morneau backing Canada's Walker ahead of Hall of Fame vote reveal
Canadian Felix Auger-Aliassime falls to surging Russian in Adelaide semis
Debate in Malmo rages over battered Ibrahimovic statue


text:
Q: How to set-up forwarding with a google apps gmail account? I want to make all emails from info@mydomain.com google apps email account forward to multiple users. I am trying to follow the instructions given at https://support.google.com/mail/answer/10957?hl=en but there is no "Forwarding and POP/IMAP" in my settings. All I have is:

*

*General

*Labels

*Inbox

*Accounts and Import

*Filters and Blocked Addresses

*POP/IMAP

*Download

*Chat

*Labs

*Offline

*Themes

How do I do that for google apps?

redpajama_set_name: RedPajamaStackExchange


text:
TAU, Hebrew University research finds a neuronal mechanism explains much of our irrational behavior
If you've ever entered a liquor store, you've probably noticed one exorbitantly priced wine bottle situated beside cheaper bottles and asked yourself: Who is the sucker who would fall for this? Scientists say the answer is: You. The expensive wine serves as "bait" intended to sway the buyer to purchase the second-most expensive bottle of wine in the store — as opposed to an average-priced or cheaper bottle.
But why does this trick work? Why do we make decisions that are inconsistent with logic? Two recent studies published in Nature Communications by researchers at Tel Aviv University and Hebrew University that were conducted with simple worms find a neuronal mechanism explains many of our irrational decisions.
Irrational behavior has been studied extensively in humans and animals alike and has been found to affect everything from the purchase of products to the critical choices we make in life, such as choosing a university, a career, a political candidate — even choosing our spouses. In fact, in 2002, the Nobel Prize was awarded to Professor Daniel Kahneman for his research with Professor Amos Tversky, which showed that humans behave irrationally when it comes to economics.
In the new studies, the researchers harnessed the nematode Caenorhabditis elegans, a simple organism with only 302 neurons and which relies on the olfactory sense to find food, selecting according to odor. In most cases, C. elegans make rational decisions. However, by probing multiple neuronal architectures using various choice sets, the researchers showed that breaches of rationality arose when the activated circuit of olfactory sensory neurons was asymmetrical.
The two studies were conducted by two different groups at Tel Aviv University and at Hebrew University. Research at TAU was conducted at the laboratories of Prof. Oded Rechavi of TAU's Faculty of Life Sciences and Dr. Dino Levy of TAU's Coller School of Management, and was led by PhD students Dror Cohen and Guy Teichman of TAU's Sagol School of Neuroscience in collaboration with Dr. Kenway Louie of New York University. The study at the Hebrew University was led by Dr. Alon Zesselber and conducted by research fellow Dr. Shachar Ionir and Rotem Ruach PhD of the Department of Genetics at Hebrew University's Institute of Life Sciences.
The researchers controlled the worms' choices by offering options that were used as "bait," and thus managed to make them behave irrationally.
"We showed that genetic manipulations of the asymmetry between neurons made the worm irrational," explains Prof. Rechavi.
"A context-dependent normalization-based computational model of value coding and gain control, similar to what is used to explain visual illusions, showed how particular neuronal constraints on information coding gave rise to irrationality," adds Dr. Levy.
Hence, the researchers showed that irrational behavior is not necessarily the result of some malfunctioned "high cognitive" activity or due to a competition between the "emotional" and "cognitive" brains. Instead, irrationality is a result of the activity of a finite nervous system operating under constraints. Under specific circumstances, these neural constraints may give rise to irrationality. The studies empirically demonstrated the basic notion of Nobel laurate Herbert Simon that bounded rationality could arise due to basic neuronal constraints.
To come full circle, the researchers have shown that even in worms, the presence of one unselected option (such as very expensive wine) affects a preference for one of the other options.


Cleansing your skin is one of the most important steps in achieving and maintaining healthy, clear skin.
Don't underestimate the absolute importance of this 1st step in your skin care regime. This is particularly true at night.
Makeup, sunscreen, pollution, dirt, combined with our skin's natural oil production create the perfect environment for bacteria to grow and multiply. The skin's pores become clogged resulting in blackheads, breakouts and premature aging. As a result, your skin texture will appear dull, rough and splotchy.
By cleansing the skin effectively, you remove the daily grime that gets trapped in your pores, gently slough off dead skin cells, refine pores and reveal smoother and more evenly toned skin.
Once your skin is cleansed, it is properly prepared for the application of other skin care products if desired. These can now be more readily absorbed by the skin rather than just sitting on top of a layer of dirt and dead skin cells.
Cleansing at night is preferred because it is at night, when we are sleeping that our skin naturally repairs and rejuvenates itself. By applying your serum and moisturiser after cleansing, you are nourishing and protecting the skin and aiding its repair while you sleep.
Personally, I choose to cleanse again in the morning but some find it sufficient to just splash with warm water and follow with their daytime regime and sunscreen with a high SPF.
So how do you cleanse using the Oil Cleansing Method (OCM)?
Onto clean hands dispense 2-4 pumps of cleansing oil and rub gently to warm the oil.
Massage onto dry skin for 1-2 minutes concentrating on problem areas or heavy makeup.
By massaging the skin you will encourage blood circulation and the breakdown of makeup and daily debris that sit on the skin and settle into pores (and it feels great too).
Next, take your face washer and soak it in warm water and wring out the excess.
Place warm face washer over entire face and leave until the cloth starts to cool. This process encourages the pores to open and release oils and impurities trapped inside.
Wipe face gently with face washer and repeat the process once or twice more.
For heavy makeup you may wish to double cleanse by repeating the whole process with more cleansing oil.
Gently pat the skin dry with a clean, dry towel.
Your skin should feel thoroughly cleansed, velvety soft and glowing. You should feel no oily residue, no skin tightness (tight skin means that the natural skin oils have been stripped away leaving skin dry) and pores should appear more refined.
I can confidently recommend using our Flora Maia Gentle Cleansing Oil for your daily oil cleanse. It is a blend of beautiful botanical oils, naturally rich in vitamins and omega fatty acids combined with aromatherapeutic essential oils known for their anti-bacterial and healing properties. It is made from 100% Natural Ingredients and is gentle enough to use every day. The essential oils will even relax you and help you sleep at night.
This skin loving cleanser will leave your skin thoroughly cleansed, plump and nourished. It is suitable for all skin types and helps to balance oily skin, soothe dry skin and is gentle enough for sensitive, irritated skin.
Easily remove waterproof make-up with this gentle oil and be confident that your skin will not end up feeling stripped and tight (skin that is stripped of its natural oils will feel tight and will naturally over compensate by producing more oils, hence, the never-ending cycle of dry, irritated skin followed by too much oil production). Balanced skin is healthy, radiant skin.
Please watch out for my next blog post on Vitamin E (alpha-tocopherol) and its many skin benefits.
Until then, feel free to comment or ask any questions about the oil cleansing method or our Gentle Cleansing Oil in the comments section below or visit our secure on-line store by clicking here to try this beautiful and sensibly priced product for yourself.
I'm a fifty something mother of two. Trained as a pathology laboratory technician, I have worked in hospital pathology for all my adult life. I am also a firm believer in the power of nature and natural therapies. I love the healing power of essential oils, using my scientific training to create effective, gentle and affordable skincare.


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Defend the Catholic Faith | Vanguards of Truth God DIED on the cross. Literally or Figuratively?
The term "God died" should be taken Literally or Figuratively?
Before I give my conclusion regarding this topic let us site the answers of different Catholic Apologist in different Catholic Apologetics Ministry.
From Catholic Answers: Karlo Broussard on his video "Did God Die on the Cross"?
Jesus was God, and He died on the cross; therefore, "God [the Son] died." In no sense can we say only that God died figuratively. That would be rank heresy: denying both the Holy Trinity and the atonement. – Dave Armstrong, author of The One Minute Apologist and many more.
Now from the book of different Catholic Apologist, Priest concerning the issue of "God died".
It is True that the "Divine Nature" cannot suffer and die but because of the Hypostatic-union, we can say that God the Second person of the Blessed Trinity DIED (LITERALLY) on the cross because whatever attributed to each nature MUST attribute to the subject (the person). Death means "Separation of Soul and Body" just like us (Humans) when we die we don't "go out of existence", we will experience the separation of soul and body. God died on the cross means God (Jesus, the second person of the Blessed Trinity) experience the separation of soul and body.


text:
Number of MI7-integrated EHR manufacturers tops 35
AUSTIN, TX - MI7 announced that it has completed the 35th module for its "Q" software with the release of the AdvantX module.
The AdvantX module allows Q to communicate bidirectionally with the SourceMed EHR system for ambulatory and surgical centers.
"Q" is MI7's universal API, providing a direct connection between electronic health record systems and the data centers powering digital health applications.
"We continue to shake the industry with the sheer number of integrated systems and deployed locations running the Q software." said Zac Jiwa, CEO of MI7. "AdvantX is a very powerful system that can now power the most exciting digital health apps by way of Q."
"Q" has integrated with the industry's top EHR systems and integration engines, which allows it to be a turnkey solution for application developers. Companies that use "Q" can quickly turn up hospitals, doctors offices, and clinics around the country. More information about "Q" can be found at mi7.io/Q.
We connect digital health apps to patient data. MI7's universal API, called "Q" - provides a direct connection to patient information in clinical data systems. "Q" is unique in its simplicity of implementation, affordability, and technology model that magically converts HL7 to JSON, freeing app developers from the need of a data integration engine or highly-trained and expensive HL7 staff. Simply put, MI7 makes it easy to build and deploy health care apps. "Q" - the health data liberation tool of choice for the top digital health apps in the market. Learn more at mi7.io/Q.


Trotec is one of the world's foremost manufacturers of laser machines for engraving, cutting and marking. Founded in Austria in 1997 the company has branches worldwide including USA, Canada, Netherlands and Australia.
Man and Machine is part of the Mensch und Maschine Group, specialists in the provision of computer aided design and data management solutions to the manufacturing, architectural, engineering, construction and process industries.


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Thank you for visiting at Caper 2013 !!
Million thanks for visiting us at Caper2013 !!
We are pleased to announce that we opend Russian website.
Now you can check Libec's full lineup and the detailed product information in Russian.
Catalog in Russian also available to download. Please check it out.
Thank you for visiting at SET2013 !!
Million thanks for visiting us at SET2013 !!
Unchanged professional services as always.
Thank you for visiting us at Cine Gear Expo2013 !
Million thanks for visiting us at Cine Gear Expo !!
We are glad to inform you that our Spanish website is updated.
RS PLUS and LX10 series.
Thank you for visiting in advance.
Libec is pleased to announce the new CABLE5000, a 50m/165' control cable for REMO30.
such as big studio or outdoor shooting which the standard cable is incapable of.
* Separate cable is needed for the monitoring signal from the camera to the monitor by connecting directly to HDMI or BNC.
* The signal is assured within this 50m/16.5" range and is not advisable to extend it further.
LX10 line up, will be part of the Telemundo Expo in Mexico City.
Please visit us and feel excellence.
Libec is going to Hollywood!
RSPLUS series and LX10 line up.
Your expectations come true there.
Thank you for visiting at NAB !!
Million thanks for visiting us at NAB 2013 !!
Come and see what's new from Libec at NAB2013 !
We will exhibit all Libec lineup including brand-new tripod system RSPLUS, and LX10 launched this March.
News release of new products !
We are pleased to anounce our new products launching in March, 2013.
and LX10, upper model of LX5 and LX7 with a wonderful cost performance.
Click the following image to check the news release.
With the new launch, "product" page fully updated. As for the detailed information such as concept, features, function, specification, system configuration please check the product page.


Carlos Guestrin is the Finmeccanica Associate Professor in the Machine Learning and in the Computer Science Departments at Carnegie Mellon University. Previously, he was a senior researcher at the Intel Research Lab in Berkeley. Carlos received his PhD in Computer Science from Stanford University and a Mechatronics Engineer degree from the University of Sao Paulo, Brazil. Carlos' work received awards at a number of conferences and journals. He is also a recipient of the ONR Young Investigator Award, the NSF Career Award, the Alfred P. Sloan Fellowship, and the IBM Faculty Fellowship. He was named one of the 2008 `Brilliant 10' by Popular Science Magazine, received the IJCAI Computers and Thought Award, and the Presidential Early Career Award for Scientists and Engineers (PECASE). Carlos is a former member of the Information Sciences and Technology (ISAT) advisory group for DARPA.


Heather Giustino Blog: To Chop or Not To Chop - Help Me Decide!
To Chop or Not To Chop - Help Me Decide!
PS - no "What She Wore Wednesday" because I still don't have a working camera cord. Wah!
I'm a long hair girl so I'm partial...but I think your hair is gorgeous!!! I would keep it long. The color is so pretty!
How about do a happy medium... cut it to about where it lays just below your necklace (in the photo). If you still don't like it you can chop the rest of it off. Either way I think your hair is pretty.
Your hair is really pretty and I kind of feel that there are only so many years as mommas that we can have it long (without looking like we are trying to hard to stay young), so I say keep it. Get some pretty layers, swoopy bangs and it will feel brand new!!!
I LOVE it in the first picture! That is an awesome cut for you! You should do that!
I think the shorter cut is really cute on you. If you don't want to go all the way short, maybe just cut right below the chin and see how you feel with that.
I voted chop it. You look so cute in the first pic, and right before Summer is a perfect time for a "shorter" change!!
My suggestion as a stylist myself.... If you do chop, do locks of love. It's easier on missing it when you've done something wonderful with it. However if I had the pleasure of doing your hair, I would take 3-4 inches off and put in some layering. The goal would be that great Victoria's secret supermodel hair. Add in some soft wave or curl for some texture and interest. Then you can still whip it up in a cute messy bun if ya like or do it fabulous when you feel like it. I hope this helps.
If you chop, do locks of love. It makes the missing the length easier.
However if I got the pleasure of doing your hair, I would take off 3-4 inches, layer and texturize it up for fullness and volume. Then you can still whip it up in a cute messy bun, braid it, whatever you like for hot days. Then when you need or want to do long and voluminous, you can.
althought I'm a huge fan of the short hair, I currently have it myself...I LOVE your long hair. I think maybe some cut off and some new layers & maybe some more of that awesome pink in. Either way it'll look good, but I love the long.
that photo of your hair shorter is so super cute, i say chop it off!
You had pink in your hiar? I kind of have a crush on you now; do it again!
I LOVE the short hair cut.
You look adorable either way, but I say CUT IT!
DONT chop it...when my kids were small I did...keep it long since you have such gorgeous hair! just trim and soon enough you will have to wear it short!
Love that top picture (maybe because it looks pretty dang close to my hair)!? Ha! Cut it girlfriend!
i love your long hair but a short sassy cut for summer would be awesome!
This is your Father....DO NOT CHOP YOUR HAIR!!!!! Trim off the split ends, wear it in a ponytail the way I like it and stay Daddy's Girl forever. Deal?
I say chop it & donate it to locks of love! You are lucky, your hair looks cute either way!
you're gunna hate me, cuz i dont have an answer. you have AMAZING hair and you have that face where you can get away with just about anything you do and still look beautiful.


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HomeAwards Gold Circle & Silver Circle Mike Schmidt
Telling stories is something that is in Mike Schmidt's blood. He began his journalism career at his high school newspaper as a photographer where he spent two years capturing images Greenway High School.
In 1982 Channel 10 (KOOL) came calling and he worked there for 3 and ½ years as a video tape editor. That same job brought him to KTVK in May of 1986. He got his shot behind the camera when a photographer hurt his knee and they needed help.
Mike eventually took his skills up north to Flagstaff when KTVK opened the Northern Arizona Bureau. Five years later Mike came back home to Phoenix where he works to this day.
Some of Mike's career high points were road trips taken across Arizona from the north rim of the Grand Canyon to the party barge at Lake Havasu. A memory seared in his mind was the manhunt for Danny Ray Horning that lasted 30 straight days. He walked the rim of the Grand Canyon with SWAT team to the final takedown in Sedona where Horning was taking into custody.
When asked what he loves most of all Mike said it is the people in this business. Regardless of the station you called home we all have one love – telling stories, meeting people and learning about them. To Mike, that is the best thing about what we do.


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Why This Couple's Prom Night Kiss Symbolized Something More Than Love
"It was so surprising that these guys were supporting us."
Anna Papachristos @bonitianniti
On the road to progress and equality, small steps are often the most important. But, for two teens in Seaside Heights, New Jersey, this one small step probably felt more like a giant leap.
Over the weekend, ABC producer Michael Del Moro took to Twitter to share the heartwarming story of Theodore Vidal and his boyfriend, Colin Beyers. While Del Moro didn't know the names of these young men at the time, he was compelled to share what he witnessed while out for ice cream with loved ones to celebrate Mother's Day.
According to Del Moro's account, there was a group of "rowdy bros" yelling "kiss her" from a rooftop bar at every couple who passed by.
Last night, while out for Mother's Day with our families (read: getting some late-night ice cream because treat yourself!) we noticed a group of rowdy bros gathered on a rooftop bar obnoxiously yelling "KISS HER!" in unison at every apparent couple that passed by.
— Michael Del Moro (@MikeDelMoro) May 12, 2018
It was quintessential "Jersey Shore" and, unfortunately, several couples obliged the request to raucous cheers thereby further encouraging the rowdiness. We rolled our eyes.
It was then that the Vidal and Beyers walked by wearing their prom attire and holding hands. Having experienced the town's homophobia firsthand, Del Moro watched over these young men in case someone needed to come to their defense. However, much to his surprise, Vidal and Beyers were met with an entirely unexpected reaction.
I looked at Alec (my boyfriend), my mom, my sister, and stopped to make sure the couple was okay as they walked by... worried that something might happen. The rooftop crew quickly switched from "KISS HER!" To "KISS HIM!"
After some hesitation, the young men kissed... and let me tell you: both the rooftop crew and everyone else on the boardwalk just went absolutely wild for them and we all breathed a sigh of relief.
While Del Moro notes that this singular moment doesn't mean homophobia has ceased to exist, Vidal and Beyers's experience should be seen as "encouraging" to other young LGBTQ men and women of the world.
This is not a "look everything's fine now, thread," and yes... it's New Jersey, but I just thought it was worth sharing and an encouraging moment for young LGBTQ folks out there.
Vidal and Beyers told BuzzFeed that they were equally as shocked as Del Moro by the positive response.
"Machoism is such a thing here, so the fact that those guys cheered us on was shocking," Beyers explained. "It's one of those small victories that makes the hard times worth it."
Vidal added that the two have dealt with their share of homophobia."It was so surprising that these guys were supporting us," he said. "Especially after what I've gone through."
Vidal, who came out in eighth grade, told BuzzFeed that he was viciously bullied by his classmates and that he was often told to "end [his] life" and that "he didn't belong here."
But meeting Beyers changed everything for him. "He pushes my depressed thoughts away," Vidal explained. "He's always there and he makes everything better. He helps me live life to my fullest and that's what I am doing right now."
And, while their experience offers hope that people are becoming more accepting and supportive of the LGBTQ community, Beyers wants others who are struggling to come to terms with their identity that they're not alone and that things will improve.
"It always gets better; that's what I tell myself when it's hard," Beyers told BuzzFeed. "For those that are getting bulled or in a dark place and feel like it won't stop or end, it does. Those people go away and you meet better people who love you for who you are. When I feel like I'm discriminated against I tell myself that it will get better and it does."
Cover images via @theodorevidal543 / Instagram
H/T Scary Mommy
Tags: michael del moro, michael del moro prom, colin beyers gay, colin beyers, michael del moro twitter, theodore vidal, theodore vidal prom, theodore vidal gay
Entertainment Carson Blackwelder
When A Troll Said Pink Looked 'So Old' On Twitter, The Singer Called Aging 'A Blessing'
"You must be from [L.A.]."
Entertainment Claire Peltier
Portia De Rossi Gives Up Acting. It's Not The Biggest Surprise In Her Interview With Ellen.
It's all for a good cause.
Relationships Lindsay Geller
13 Women Who Waited To Have Sex Until Marriage Share Their Feelings On The Decision
"It wasn't as big a deal as I made it out to be — both having sex and waiting. I don't regret it, but..."


I strive to create the best portrait of you that you have ever had. I have a very unique style. This style starts from lighting and posing in the studio and flows through to the editing process to create a Fine Art Image for all of my clients. I am located in Lafayette Louisiana and specialize in Vanity Fair Styled Portrait Sessions. I apply the same principles if I am photographing women, seniors, kiddos, engagements or just updating your professional head-shot. And while we are talking about head-shots, I can do all kinds of creative editing from minimizing wrinkles to making you look a tad thinner. I hope to hear from you soon.


40 Reverse Snow Angle, 50 Supermans.
Deconstructed Burpees Starting with 10 reps reducing by 1 each round.
So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets. This rather than do unto others as they have done to you/me.
Cones were set up on the European football field to simulate a REAL football field with lines every 10 yards. All pax bear crawled toward the 10th cone and and moseyed back to the end line picking up the 6 along the way. Then a sprint back to the 10th cone and a mosey back to the end line, picking up the 6.
Pax finished just in time for the COT.
After numbers and names, YHC shared some thoughts on living 3rd, especially in this time of the year. Let's be more focussed on giving, not just presents but of our thoughts, talents, and blessings and putting our faith, our families and our communities first. Live 3rd. BOM.
YHC really neglected the core this morning, mostly not wanting to lay down in the mud, but FNG Mud Duck gave our abs a workout as his comedic timing kept our bellies laughing all morning. Besides an aspiring funny man and 25 year army vet, Mud Duck is an avid birder, hence the name. Welcome Mud Duck!!
After a warmup, battle plans were laid out with a mission for each pax. 1st was the scout. Mission: sprint ahead on the running path and secure an AO within the AO for the rest of the team. Commence SSHs and planks until the pax arrive. 2nd was supply transport. Mission: Carry the cargo (2 water filled old kitty litter jugs) to the new AO. 3rd, cover the 6. Mission: Cover the 6. 5 burpees and sprint to the new AO, assisting with supply transport. At each AO, COP dealer's choice exercises.
Repeato x6, swapping missions each time. End at the flags.
F3 Monterey takeover of SF peninsula is a go for this saturday, Dec 9th. Clown car is leaving from La Mesa Soccer field at 0515 and stopping to pick up pax at Fort Ord to follow. Return around 1100. Please send hard commits to YHC or to F3Monterey@gmail.com.
A saturday AO is in the works in the new year. Get your ideas to Sharkbait and tell your friends!


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Jennifer Aniston and Justin Theroux reunite for Thanksgiving celebration
Julia Hunt
Yahoo Celebrity UK 29 November 2019
Justin Theroux and Jennifer Aniston at the 2017 Vanity Fair Oscar Party (David Livingston/Getty Images)
Jennifer Aniston and Justin Theroux were reunited for Thanksgiving.
The Friends star, 50, and the 48-year-old actor separated at the end of 2017 after six years together, including two-and-a-half years of marriage.
But, showing they are still close, the pair got together to celebrate the US holiday this week.
Theroux posted a picture on Instagram of him and Aniston with a big group of people including talk show host Jimmy Kimmel, actors Jason Bateman and Will Arnett, as well as Aniston's Friends co-star and best pal Courteney Cox.
(Instagram/justintheroux)
He captioned the sweet shot: "Very VERY thankful for these friends and these nights."
The star also shared other shots and video of the group, including a brief clip of Cox telling Aniston how much she loved her.
Read more: Jennifer Aniston and Justin Theroux mourn dog together
Earlier, Aniston posted a picture of herself getting ready for the bash by making enchiladas for Kimmel.
The snap showing her taking a tray of treats out of the oven and was captioned: "Ok, @jimmykimmel... here are your f*%king Friendsgiving enchiladas."
It comes after a chat on Kimmel's show last year, when the host jokingly asked Aniston not to make the traditional Thanksgiving feast of turkey and all the trimmings for their yearly "Friendsgiving".
Read more: Friends reunion thought to be under way
Aniston and Theroux were friends before they started dating in 2011 and tied the knot in 2015.
Jennifer Aniston and Justin Theroux attend the ceremony honouring Jason Bateman with a Star on The Hollywood Walk of Fame held on July 26, 2017. (Michael Tran/FilmMagic)
Theroux told The New York Times of their break-up: "It was heartbreaking, only in the sense that the friendship would not be the same, as far as just the day to day.
"But the friendship is shifting and changing, you know, so that part is something that we're both very proud of."
Theroux showed there were no hard feelings earlier this year when he gushed about Aniston on her 50th birthday, calling her a "fierce woman".
"Fiercely loving. Fiercely kind… and fiercely funny," he wrote on Instagram.


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From Payday to Small Installment Loans
Risks, opportunities, and policy proposals for successful markets
Issue Brief August 11, 2016
Topics: Family Finances Projects: Consumer Finance Tags: Payday loans & Small-dollar loans Read time:
From Payday to Small Installment Loans (PDF)
Read Mode
All of the largest payday lenders now offer installment loans, which are repayable over time and secured by access to the borrower's checking account, in addition to conventional payday loans that are due in a single lump sum.1 This shift toward installment lending has been geographically widespread, with payday or auto title lenders issuing such loans or lines of credit in 26 of the 39 states where they operate.2
Research by The Pew Charitable Trusts and others has shown that the conventional payday loan model is unaffordable for most borrowers, leads to repeat borrowing, and promotes indebtedness that is far longer than advertised.3 To address these problems, the Consumer Financial Protection Bureau (CFPB) in June 2016 proposed a rule for regulating the payday and auto title loan market by requiring most small loans to be repayable in installments. In Colorado, a structure requiring that loans be payable over time—combined with lower price limits—was shown to reduce harm to consumers compared with lump-sum loans, after that state passed legislation in 2010 requiring all payday loans to become six-month installment loans.4
Further, national survey data show that 79 percent of payday borrowers prefer a model similar to Colorado's, in which loans are due in installments that take only a small share of each paycheck.5 Seventy-five percent of the public also supports such a requirement.6
To get ahead of the CFPB's regulation and avoid state-level consumer protections, and in response to these consumer preferences, the trend toward payday installment lending is accelerating.7 However, as it exists today, in the absence of sensible regulatory safeguards, this installment lending, as well as that in the traditional subprime installment loan market that has existed for a century, can be harmful.8
This brief describes practices that are unique to the payday installment loan market and others that exist primarily in the traditional subprime installment loan market, focusing on four that threaten the integrity of subprime small-dollar loan markets: unaffordable payments, frontloaded charges that add costs for borrowers who repay early or refinance, excessive durations, and unnecessarily high prices.9
Federal and state policymakers should act now to establish policies that benefit consumers and encourage responsible and transparent lending. Pew's research shows that regulators can address harmful practices by containing payment sizes, requiring that all charges be spread evenly over the term of the loan, restricting most loan terms to six months, enacting price limits that are sustainable for borrowers and lenders that operate efficiently, and providing a clear regulatory path for lower-cost providers, such as banks and credit unions, to issue small loans.
The CFPB can implement many of these protections. However, it does not have the authority to limit interest rates, so although lump-sum lending will be largely curtailed after the bureau's rule takes effect, high-cost installment loans will probably continue to be issued unless states act to regulate them. As the transition toward longer-term lending continues, policymakers should address problems wherever payday installment loans and subprime installment loans exist.
Why lenders are moving away from lump-sum products
The trend among payday and auto title lenders toward offering installment loans is being driven by three factors: consumer preference, regulatory pressure, and lenders' effort to avoid consumer protections put in place for lump-sum payment loans.
Pew's research shows that, compared with the conventional lump-sum model, payday loan customers overwhelmingly support requiring an installment payment structure that gives them more time to repay loans in smaller amounts that fit into their budgets. One lender explained, "I learned in Colorado that our consumers like the affordability," and noted the industry's probable shift in that direction.10 The head of the primary trade association for online lenders said her members have mostly changed their products from two-week lump-sum loans to installment loans in response to consumer demand.11 (See Figure 1.)
In 2013, federal banking regulators issued guidance strongly discouraging banks from issuing lump-sum "deposit advance loans," which mimic the structure of conventional payday loans.12 The CFPB's proposed rule for payday and similar loans emphasizes the need for affordable monthly payments, and if finalized, the bureau's rule would expedite the transition toward installment loan structures.13
In response, payday lenders have supported bills in several states, including Arizona, Indiana, Mississippi, and Tennessee, to allow the types of high-cost installment loans and lines of credit that would be permitted under the CFPB's proposal.14 Industry consultants have also observed that the CFPB's pending rule encourages a shift to installment lending. One noted that "many of today's payday consumers can likely handle an installment loan, at yields that emulate a payday loan," and encouraged the industry to lobby to change state laws to facilitate "highyield" installment products.15
Some lenders have switched to installment loans to avoid consumer protection laws.16 For example, after a Delaware law took effect in 2013 and restricted to five the number of short-term consumer loans that payday lenders in that state may make to a given borrower in any 12-month period,17 companies began offering installment loans of more than two months alongside conventional two-week payday loans. This allowed them to avoid triggering the new limit because the law defined "short term" as less than 60 days.18 In another case, the Military Lending Act of 2007 limited interest rates on loans to military service members of 91 days or less, so lenders began making loans of 92 days or more in order to charge higher rates.19 Lenders have used similar tactics in Wisconsin, Illinois, and New Mexico.20
High-Cost Installment Loans Could Proliferate Under CFPB Rule
Payday and auto title lenders are already issuing high-cost installment loans or lines of credit in 26 of the 39 states where they operate. The CFPB issued a proposed rule in June 2016. Once it is finalized and lump-sum lending is more restricted, lenders will probably accelerate their efforts to expand high-cost installment loans to other states, and they are likely to do that in two ways. First, they will probably attempt to modify laws in the states that do not yet allow installment lending. Until now, lenders have had little incentive to advocate for such change because they could issue lump-sum payday and auto title loans, but as that market becomes more restricted, they will be motivated to try to increase the number of states that permit high-cost installment lending.
Secondly, they may try to take advantage of credit services organization (CSO) statutes, which allow the brokering of loans, in states that have such laws.* Payday and auto title lenders in Ohio and Texas already act as brokers under such laws, meaning that they charge large fees to borrowers to arrange loans and guarantee those loans for other lenders. Functionally, this brokering is an evasion of low interest rate limits because the fees charged are in addition to the interest paid to the third-party lender and significantly increase borrowers' costs.† Some of the states where payday and auto title lenders operate but do not issue installment loans or lines of credit also have CSO statutes that lenders may try to use to circumvent consumer protections. In total, at least 32 of the 39 states where payday and auto title lenders operate could be vulnerable to high-cost payday or auto title installment loans. Table 1 shows the types of payday installment loans being issued under Ohio's CSO statute.
* National Consumer Law Center, Installment Loans: Will States Protect Borrowers From a New Wave of Predatory Lending? (July 2015), 41-42, http:// www.nclc.org/images/pdf/pr-reports/report-installment-loans.pdf.
† Mark Huffman, "Consumer Group Charges Loophole Allows Continued Payday Lending in Ohio," Consumer Affairs, Nov. 11, 2015, https://www.consumeraffairs.com/news/consumer-group-charges-loophole-allows-continuedpayday- lending-in-ohio-111115.html.
How regulators can address the 4 key problems with installment loans
Unaffordable payments
Most installment payday loans have payments that exceed what typical borrowers can afford. Unaffordable payments can lead to the same types of problems that exist in the conventional lump-sum loan market: frequent re-borrowing, overdrafts, and the need for a cash infusion to retire debt.
Payday installment loan payments are usually much more than the 5 percent of income that borrowers can afford. And because lenders have access to borrowers' checking accounts, either electronically or with postdated checks, they can collect the installments regardless of the borrowers' ability to afford the payments. Similarly, in the auto title loan market, lenders' ability to repossess borrowers' vehicles can pressure customers to make loan payments they cannot afford, which in turn can leave consumers without enough money to meet their basic needs.
Table 2 shows how payday installment loan payments in several states consume between 7 percent and 12 percent of the average borrower's gross monthly income (of just under $2,600) and compares that with loan payments in Colorado, where strong regulations require both smaller payments and lower prices.21
To solve the problem of unaffordable payments, policymakers should require loans to be repayable in small installments that are affordable for most borrowers. Research shows that in order to fit the budgets of typical payday loan borrowers, payments must not exceed 5 percent of monthly income.
Another solution that has been proposed is to require lenders to conduct underwriting to assess the borrowers' ability to repay. However, without clear product safety standards, such as limiting loan payments to 5 percent of a borrower's paycheck, this approach carries risk. It can add substantially to the price of loans by imposing new costs on lenders. And because lenders have access to borrowers' checking accounts or car titles and can collect even if borrowers lack the ability to repay, it provides lenders with little incentive to ensure that payments are truly affordable.
Front-loaded charges
It is customary in consumer credit markets for lenders to assess an upfront fee to process an application or originate a loan. But in subprime consumer finance installment loan markets, large upfront origination fees often harm consumers by significantly increasing the cost of the loan at the time it is issued, effectively penalizing borrowers who repay early. These fees increase revenue and provide a substantial incentive for lenders to encourage refinancing in order to earn an additional origination fee. Small-loan borrowers are particularly susceptible to offers to refinance because, like many low- and moderate-income households, their income is often volatile and they have little or no savings.22
This misalignment of incentives has led to widespread repeated refinancing, or "loan flipping," in the traditional subprime small installment loan market, with refinances accounting for about three-quarters of loan volume for one of the largest lenders.23 One company's CEO explained on an earnings call with investors that its customer service representatives receive a bonus based on how many of their customers refinance "because encouraging renewals is a very important part of our business."24
To solve this problem, finance charges, such as fees and interest, should be spread evenly over the life of the loan, rather than front-loaded. This protects borrowers against incurring large fees at the outset of the loan and aligns lenders' and borrowers' interests by ensuring profitability and affordability without discouraging early payment or providing an incentive to lenders to steer their customers toward refinancing.
When Colorado reformed its payday loan statute in 2010, it allowed an origination fee but required lenders to provide pro rata refunds whenever borrowers prepay. This was critical to the success of the state's reform because lenders did not have an incentive to steer borrowers to refinance loans.25
Excessive durations
Some high-interest installment loans have unreasonably long terms, with only a small portion of each payment reducing the loan's balance. Excessive loan lengths can double or triple borrowers' costs,26 and very long loan durations also pose risk to borrowers with volatile incomes. In lower-income months, they may struggle to afford loan payments but have little choice because lenders have access to their checking accounts or car titles. Pew's research has found that even at high interest rates, six months is generally long enough to repay a $500 loan, and one year is typically sufficient for a $1,000 loan.27 Similarly, the public considers very short terms (less than a month) or very long terms (more than a year) to be unreasonable for a $500 loan.28
Discouraging excessive loan terms will become important as longer-term installment loans become the norm. The final CFPB rule for payday and similar loans will need to include clear guidelines for appropriate loan durations. States that modify their existing payday or installment loan statutes should also put policies in place that discourage excessive lengths. The CFPB's proposed guidelines for certain longer-term alternative loans require terms between 45 days and six months.29 This range is consistent with Pew's findings about the time borrowers need to repay loans affordably, with public opinion about reasonable durations for a $500 loan, and with the small-dollar loan programs established by the Federal Deposit Insurance Corp., National Credit Union Administration, and National Federation of Community Development Credit Unions, which give borrowers several months to repay.30
Unnecessarily high prices
Prices in the payday and auto title loan markets are higher than is needed to ensure the availability of credit and the profitability of lenders. But research shows that borrowers are in financial distress and are primarily focused on how much they can borrow, how quickly they can receive the funds, and how certain they are to be approved, so lenders compete on location, customer service, and speed and do not lower prices to gain customers.31 As a result, prices remain far higher than is necessary for lenders to be profitable and to ensure the widespread availability of credit for consumers.32 Therefore, rate limits are necessary to reduce prices and promote safe payday and auto title loans. Forty-six states and the District of Columbia set price limits on at least one type of small-dollar loan.33
Policymakers can employ two strategies to encourage reasonably priced credit. The first is to cap fees and interest rates. When states have enacted limits that fall below current payday loan prices but somewhat above traditional usury rate thresholds, lenders have stayed in business and continued to be profitable and credit has remained readily available. Policymakers can restrict interest rates and fees at or slightly below the level seen in Colorado, where an average $389 payday installment loan is repaid in three months and carries an APR of 121 percent—the lowest of any state—for a total cost of $116 in fees.34
Regardless of the CFPB's final rule, however, state policymakers may reasonably choose to prohibit payday and auto title loans in their states. An effective way to do this is by limiting finance charges to 36 percent APR (inclusive of all fees), which has historically applied to loans of larger sizes and is a price point at which these lenders will not operate.
The second strategy to drive down loan prices is to enable lower-cost providers of small loans. Banks and credit unions have large competitive advantages over payday and auto title lenders because they are diversified businesses that cover their overhead by selling other products, could lend to their own customers rather than paying to attract new ones, have customers who make regular deposits in their checking accounts, and have a low cost of funds.35 As a result, these financial institutions could profitably make small loans at double-digit APRs, for prices that are six to eight times lower than those offered by payday lenders. However, to offer these loans sustainably, banks' fee-inclusive rates would generally need to be somewhat higher than 36 percent APR.36
Banks and credit unions would also need to use simple, clear, streamlined underwriting standards to issue small loans profitably, such as a limit on monthly loan payments of 5 percent of monthly income and on loan terms of six months as the CFPB proposed in its March 2015 framework.37 Underwriting that requires staff time or extensive documentation would discourage banks from issuing small loans, because it would cost more in overhead than they could earn in revenue and make them vulnerable to increased regulatory scrutiny.
In addition, banks could take steps to screen out very poor credit risks by ensuring that applicants make regular deposits, have an account in good standing, are not using overdraft services excessively, and are not delinquent on other loans inside the bank or credit union. Pew estimates that with streamlined standards such as these, banks could profitably offer a $400, three-month loan for about $50 to 60, or half what Colorado's payday installment loans cost today.
The payday loan market is quickly moving away from lump-sum lending and toward installment loans. The shift is driven in part by consumer preference and regulatory pressure, but in some instances lenders have used installment loan models to evade consumer protections that cover only shorter-term loans.
The CFPB's proposed small-dollar loan rule will almost certainly accelerate this transition, but if it is going to benefit consumers, it must also be structured to ensure reasonable terms, affordability, and lower prices. To prevent new harm to borrowers, federal and state policymakers should take additional steps to resolve the four major problems with the small installment loan market: unaffordable payments, front-loaded charges that often lead to high rates of loan refinancing, excessive durations, and noncompetitive pricing. These issues can be solved by requiring that payments be affordable as determined by the borrower's income, mandating that all charges be spread evenly over the term of the loan, limiting terms for small-dollar loans to six months in most cases, enacting price limits that are sustainable for borrowers and lenders that operate efficiently, and allowing lower-cost providers such as banks and credit unions to issue small loans sustainably.
To conduct this research, Pew reviewed the payday, auto title, pawn, and installment loan and credit services organization statutes of every state as well as the websites of selected payday and auto title lenders. Pew contacted state regulators and lenders in any state where it was unclear whether payday installment loans, auto title installment loans, or similar lines of credit were being issued.
High-interest installment loans and lines of credit are issued by storefront payday lenders and state-licensed online payday lenders in 19 states: Alabama, California, Colorado, Delaware, Idaho, Illinois, Kansas, Missouri, New Mexico, North Dakota, Ohio, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, and Wisconsin. High-interest auto title installment loans are issued in 17 states, and lenders were allowed to start offering them in Mississippi as of July 1, 2016. In total, multipayment payday or auto title loans are available in 26 of the 39 states where payday and auto title lenders operate.
This figure includes only state-licensed lenders. Online lenders that are not complying with state laws are offering these loans in more states. The Pew Charitable Trusts, Fraud and Abuse Online: Harmful Practices in Internet Payday Lending (October 2014), 23, http://www.pewtrusts.org/~/media/assets/2014/10/ payday-lending-report/ fraud_and_abuse_online_harmful_practices_in_internet_payday_lending.pdf.
The Pew Charitable Trusts, "Collection: Payday Lending in America," accessed April 19, 2016, http://www.pewtrusts.org/en/research-and-analysis/collections/2014/12/payday-lending-in-america.
The Pew Charitable Trusts, Payday Lending in America: Policy Solutions (October 2013), 12–16, http://www.pewtrusts.org/~/media/legacy/uploadedfiles/pcs_assets/2013/ pewpaydaypolicysolutionsoct2013pdf.pdf.
Ibid., 22.
The Pew Charitable Trusts, "CFPB Proposal for Payday and Other Small Loans: A Survey of Americans" (July 2015), 4, http://www.pewtrusts.org/~/media/assets/2015/07/ cfpb_chartbook.pdf.
The largest online lender, Enova, earned 40 percent of its revenue from installment loans in the third quarter of 2015, up from 30 percent a year earlier. Enova International, "Enova Announces Third Quarter 2015 Results," last modified Nov. 4, 2015, https://www.enova.com/newsroom/ enova-announces-third-quarter-2015-results. Another large online lender, Elevate, has eliminated lump-sum credit in favor of loans that are repayable over at least a few months. Elevate Credit, "Form S-1 Registration Statement" (November 2015), https://www.sec.gov/Archives/edgar/data/1651094/ 000119312515371673/ d83122ds1.htm.
Traditional installment lenders offer loans typically ranging from $100 to $10,000 from nonbank offices. These loans are underwritten and are generally secured not by a checking account but by household goods or car titles. They carry APRs that are usually higher than credit cards but much lower than conventional payday loans. The Pew Charitable Trusts, Payday Lending in America: Policy Solutions, 6; Paul Kiel, "The 182 Percent Loan: How Installment Lenders Put Borrowers in a World of Hurt," ProPublica, May 13, 2013, https://www.propublica.org/article/installment-loans-world-finance; Thomas A. Durkin, Gregory Elliehausen, and Min Hwang, "Findings From the AFSA Member Survey of Installment Lending," Oct. 18, 2014, http://www.masonlec.org/site/rte_uploads/files/Manne/11.21.14 JLEP Consumer Credit and the American Economy/Findings from the AFSA Member Survey of Installment Lending.pdf.
National Consumer Law Center, Installment Loans: Will States Protect Borrowers From a New Wave of Predatory Lending? (July 2015), http://www.nclc.org/images/pdf/pr-reports/report-installment-loans.pdf.
Jim Brunner, "Moneytree Leads Push to Loosen State's Payday-Lending Law," Seattle Times, March 3, 2015, http://www.seattletimes.com/seattle-news/moneytree-leads-push-to-loosen-states-payday-lending-law/.
Lisa McGreevy, CEO of the Online Lenders Alliance, an industry trade group in Alexandria, Virginia, said most of its members have moved from two-week payday loans to longer-term products because of consumer demand. John Oravecz, "Feds Eye Online Lending Practices," TribLIVE Business, Aug. 9, 2014, http://triblive.com/business/headlines/6575923-74/loans-cashcall-lending#axzz3KOdKTDWD.
Office of the Comptroller of the Currency, "Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products," Nov. 21, 2013, http://www.occ.gov/news-issuances/news-releases/2013/ nr-ia-2013-182a.pdf; Federal Deposit Insurance Corporation, "Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products," Nov. 21, 2013, https://www.fdic.gov/news/news/press/2013/pr13105a.pdf.
Consumer Financial Protection Bureau, "Consumer Financial Protection Bureau Proposes Rule to End Payday Debt Traps," June 2, 2016, http://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-proposes-rule-end-payday-debt-traps/.
Scot Mussi, "My Turn: Why Arizona Needs 'Flex Loans,'" The Arizona Republic, Feb. 29, 2016, http://www.azcentral.com/story/opinion/op-ed/2016/02/29/flex-loans-mussi/80951160/; Doug LeDuc, "Payday Lenders Look to Expand," KPC News, Feb. 17, 2016, http://kpcnews.com/special_sections/working_and_struggling/ article_aa21d879-882d-5ebb-b22a-58a82f32a31f.html; Ted Carter, "Mississippi Senate Passes Bill to Expand Car Title-Lending," Mississippi Business Journal, March 4, 2016, http://msbusiness.com/2016/03/car-title-lending-bill-called-step-to-preserve-small-loans/; Jennifer Kraus, "Critics Call 279% Loan a 'Debt Trap' for Poor," News Channel 5, Feb. 16, 2016, http://www.newschannel5.com/news/newschannel-5-investigates/consumer-alert/critics-call-279-loan-a-debt-trap-for-poor.
Rick Hackett, "Report From NonPrime101 Conference: Redesigning Small Dollar Lending to Survive Threatened Regulatory Intervention?" NonPrime101 Blog, Aug. 3, 2015, https://www.nonprime101.com/report-from-nonprime101-conference-redesigning-small-dollar-lending-to-survive-threatened-regulatory-intervention/.
Carter Dougherty, "Payday Lenders Evading Rules Pivot to Installment Loans," Bloomberg News, May 29, 2013, http://www.bloomberg.com/news/articles/2013-05-29/payday-lenders-evading-rules-pivot-to-installmant-loans. Some payday lenders claim that they are "making a pragmatic change in business strategy" or responding to "approving statements" that regulators have made about installment loans. Industry analysts and advocates quoted in the article describe the shift toward installment lending both as a way of "shedding regulatory risk" and as part of an ongoing effort "to meet the needs of our customers with new products."
66 Del. Laws, c. 22, § 1.; §2235A, "Short-Term Consumer Loans," http://delcode.delaware.gov/title5/c022/sc03/index.shtml.
5 Del. C. §2227 et seq.; 5 Del. C. §2235a et seq., http://delcode.delaware.gov/title5/title5.pdf; Advance America, "Fees and Terms for Loans in Delaware," accessed Dec. 28, 2015, https://www.advanceamerica.net/locations/details/store-5467/527-E-Basin-Road/New-Castle/DE/19720.
"Limitations on Terms of Consumer Credit Extended to Service Members and Dependents," a proposed rule by the Defense Department, Fed. Reg. (Sept. 29, 2014), https://www.federalregister.gov/articles/2014/09/29/2014-22900/limitations-on-terms-of-consumer-credit-extended-to-service-members-and-dependents; U.S. Department of Defense, "Department of Defense Issues Final Military Lending Act Rule," July 21, 2015, http://www.defense.gov/News/News-Releases/News-Release-View/Article/612795.
Paul Kiel, "Whack-a-Mole: How Payday Lenders Bounce Back When States Crack Down," ProPublica, Aug. 6, 2013, https://www.propublica.org/article/how-payday-lenders-bounce-back-when-states-crack-down; Patrick Marley, "Payday Lenders Back in Business With Looser Regulations," Milwaukee Journal-Sentinel, Dec. 9, 2012, http://archive.jsonline.com/news/statepolitics/payday-lenders-back-in-business-with-looser-regulations-jt7useg-182755581.html.
The Pew Charitable Trusts, Payday Lending in America: Policy Solutions, 30.
The Pew Charitable Trusts, The Precarious State of Family Balance Sheets (January 2015), http://www.pewtrusts.org/en/research-and-analysis/reports/2015/01/ the-precarious-state-of-family-balance-sheets; Jonathan Morduch and Rachel Schneider, "Spikes and Dips: How Income Uncertainty Affects Households," U.S. Financial Diaries (2013), 1, http://www.usfinancialdiaries.org/issue1-spikes; Sharon Wolf et al., "Patterns of Income Instability Among Low- and Middle-Income Households With Children," Family Relations 63, no. 3 (2014): 397–410, http://onlinelibrary.wiley.com/doi/10.1111/fare.12067/abstract; Constance Newman, "The Income Volatility See-Saw," USDA Economic Research Service (2006), http://www.ers.usda.gov/media/ 1038421/err23.pdf.
Morningstar, World Acceptance Corporation 2014 Annual (10-K) Report (March 2014), 12, http://quote.morningstar.com/stock-filing/Annual-Report/2014/3/31/t.aspx?t=:WRLD&ft=10-K&d=cd8e84303d5b870ed9bdc2d5ef2dae71. "For fiscal 2014, 2013, and 2012, the percentages of the Company's loan originations that were refinancings of existing loans were 73.5%, 75.3%, and 75.9%, respectively."
Sandy McLean, "World Acceptance's CEO Discusses F4Q 2014 Results—Earnings Call Transcript," April 29, 2014, http://seekingalpha.com/article/2174173-world-acceptances-ceo-discusses-f4q-2014-results-earnings-call-transcript.
The Pew Charitable Trusts, "Trial, Error, and Success in Colorado's Payday Lending Reforms" (December 2014), http://www.pewtrusts.org/~/media/assets/2014/ 12/ pew_co_payday_law_comparison_dec2014.pdf.
The Pew Charitable Trusts, Payday Lending in America: Policy Solutions, 42, 45–46.
The Pew Charitable Trusts, "CFPB Proposal for Payday and Other Small Loans: A Survey of Americans."
Consumer Financial Protection Bureau, "Consumer Financial Protection Bureau Proposes Rule to End Payday Debt Traps."
The Pew Charitable Trusts, Payday Lending in America: Policy Solutions, 42; The Pew Charitable Trusts, "CFPB Proposal for Payday and Other Small Loans: A Survey of Americans," 5; National Federation of Community Development Credit Unions, Borrow & Save: Building Assets With a Better Small-Dollar Loan (July 2013), http://cdcu.coop/wp-content/uploads/2013/03/Borrow-and-Save-Final-July-30-2013.pdf. pdf; Federal Deposit Insurance Corporation, "A Template for Success: The FDIC's Small-Dollar Loan Pilot Program" (2010), https://www.fdic.gov/bank/analytical/quarterly/2010_vol4_2/ FDIC_Quarterly_Vol4No2_SmallDollar.pdf; National Credit Union Administration, 12 CFR Part 701, Sept. 24, 2010, https://www.ncua.gov/Legal/Documents/Regulations/FIR20100916SmAmt.pdf.
The Pew Charitable Trusts, "The Post Office and Financial Services" (July 2014), http://www.pewtrusts.org/~/media/assets/2014/07/fin_presentation-of-pew-research--the-post-office-and-financial-services.pdf; Robert B. Avery and Katherine A. Samolyk, "Payday Loans Versus Pawn Shops: The Effects of Loan Fee Limits on Household Use" (2011), http://dx.doi.org/10.2139/ssrn.2634584; Mark J. Flannery and Katherine A. Samolyk, "Scale Economies at Payday Loan Stores" (paper presented at the Federal Reserve Bank of Chicago's 43rd Annual Conference on Bank Structure and Competition, Chicago, May 2007), http://dx.doi.org/10.2139/ssrn.2360233.
The Pew Charitable Trusts, "How State Rate Limits Affect Payday Loan Prices" (April 2014), http://www.pewtrusts.org/~/media/legacy/uploadedfiles/pcs/content-level_pages/fact_sheets/stateratelimitsfactsheetpdf.pdf.
Colorado Office of the Attorney General, "2014 Deferred Deposit/Payday Lenders Annual Report," http://www.coloradoattorneygeneral.gov/sites/default/files/contentuploads/ cp/ConsumerCreditUnit/UCCC/2014_ddl_ar_composite.pdf.
Nick Bourke, "Regulators Should Let Banks Get Back to Small-Dollar Loans," American Banker, Sept. 16, 2015, http://www.americanbanker.com/bankthink/regulators-should-let-banks-get-back-to-small-dollar-loans-1076693-1.html.
Nick Bourke, "Why Credit Unions Should Pay Attention to the Payday Loan Market—and What the CFPB Does About It," Credit Union Times, Dec. 9, 2015, http://www.pewtrusts.org/en/about/news-room/opinion/2016/01/06/why-credit-unions-should-pay-attention-to-the-payday-loan-market-and-what-the-cfpb-does-about-it.
Consumer Financial Protection Bureau, Small Business Advisory Review Panel for Potential Rulemakings for Payday, Vehicle Title, and Similar Loans: Outline of Proposals Under Consideration and Alternatives Considered (March 2015), http://files.consumerfinance.gov/f/201503_cfpb_outline-of-the-proposals-from-small-business-review-panel.pdf; The Pew Charitable Trusts, "Understanding the CFPB Proposal for Payday and Other Small Loans" (July 2015), http://www.pewtrusts.org/~/media/assets/2015/07/cfpb-primer_artfinal.pdf.
Downloads From Payday to Small Installment Loans (PDF)
Nick Bourke Director
Payday Loans — And How to Fix Them
Article June 2, 2016
Federal Rules for Small Loans
The Consumer Financial Protection Bureau (CFPB) has issued a proposed framework to regulate payday and similar high-cost, small-dollar loans. Overall, the proposal could transform the market in positive ways by requiring most products to become installment loans with smaller, more manageable payments and providing safeguards for consumers.
How the CFPB Small Loans Rules Would Work Payday Loan Facts and the CFPB's Impact Proposed Payday Lending Rule Would Leave Borrowers Vulnerable
Mark Wolff Director, Communications 202.540.6390
Payday loans Small-dollar loans
Nick Bourke
States Work to Get Ahead of Costly Flooding
December 23, 2020 Small Loans, Large Cost
December 16, 2020 A Solution to the Digital Divide Starts With States
Expanding Treatment for Opioid Use Disorders


text:
Q: tiny runable www::Mechanize examples for the beginner i am very new to Programming and i am just reading the documents.
For the little project i have read some Perl books and a PHP-Cookbook.
But i have choosen some recipes and believe it or not: it looks pretty awful on the screen. I guess that i now need some assistance -
With my little knowledge is  is hard to do the work...i need some Recipes in Mechanize that work, since some of the following examples are outdated:
see the cpan-site for the mechanize examples
i would love to learn more - with real live examples - do you have more ....
i love to hear from you

A: What is wrong with the WWW::Mechanize::Cookbook and WWW::Mechanize::Examples pages that the author provides?

A: could you be a little more specific on what exactly you are after... For instance this is a script to log into a website:
use WWW::Mechanize;

my $mech = WWW::Mechanize->new();
my $url = "http://www.test.com";

$mech->cookie_jar->set_cookie(0,"start",1,"/",".test.com");
$mech->get($url);
$mech->form_name("frmLogin");
$mech->set_fields(user=>'test',passwrd=>'test');
$mech->click();
$mech->save_content("logged_in.html");

This is a script to perform google searches
use WWW::Mechanize;
use 5.10.0;
use strict;
use warnings;

my $mech = new WWW::Mechanize;

my $option = $ARGV[$#ARGV];

#you may customize your google search by editing this url (always end it with "q=" though)
my $google = 'http://www.google.co.uk/search?q=';

my @dork = ("inurl:dude","cheese");

        #declare necessary variables
        my $max = 0;
        my $link;
        my $sc = scalar(@dork);

        #start the main loop, one itineration for every google search
        for my $i ( 0 .. $sc ) {

            #loop until the maximum number of results chosen isn't reached
            while ( $max <= $option ) {
                $mech->get( $google . $dork[$i] . "&start=" . $max );

                #get all the google results
                foreach $link ( $mech->links() ) {
                    my $google_url = $link->url;
                    if ( $google_url !~ /^\// && $google_url !~ /google/ ) {
                    say $google_url;
            }
                    }
                     $max += 10;
                }

            }

Simple site crawler extracting information (html comments) from every page:
    #call the mechanize object, with autocheck switched off
    #so we don't get error when bad/malformed url is requested
    my $mech = WWW::Mechanize->new(autocheck=>0);
    my %comments;
    my %links;
    my @comment;

    my $target = "http://google.com";
    #store the first target url as not checked
    $links{$target} = 0;
    #initiate the search
    my $url = &get_url();

    #start the main loop
    while ($url ne "")
    {
        #get the target url
        $mech->get($url);
        #search the source for any html comments
        my $res = $mech->content;
        @comment = $res =~ /<!--[^>]*-->/g;
        #store comments in 'comments' hash and output it on the screen, if there are any found
        $comments{$url} = "@comment" and say "\n$url \n---------------->\n $comments{$url}" if $#comment >= 0;
        #loop through all the links that are on the current page (including only urls that are contained in html anchor)

        foreach my $link ($mech->links())
        {
            $link = $link->url();
            #exclude some irrelevant stuff, such as javascript functions, or external links
            #you might want to add checking domain name, to ensure relevant links aren't excluded

            if ($link !~ /^(#|mailto:|(f|ht)tp(s)?\:|www\.|javascript:)/)
            {
            #check whether the link has leading slash so we can build properly the whole url
            $link = $link =~ /^\// ? $target.$link : $target."/".$link;
            #store it into our hash of links to be searched, unless it's already present
            $links{$link} = 0 unless $links{$link};
            }
        }

        #indicate we have searched this url and start over
        $links{$url} = 1;
        $url = &get_url();
    }

    sub get_url
    {
        my $key, my $value;
        #loop through the links hash and return next target url, unless it's already been searched
        #if all urls have been searched return empty, ending the main loop

        while (($key,$value) = each(%links))
        {
            return $key if $value == 0;
        }

        return "";
    }

It really depends what you are after, but if you want more examples I would refer you to perlmonks.org, where you can find plenty of material to get you going.
Definitely bookmark this though mechanize module man page, it is the ultimate resource...


text:
Aqaba (for Petra)
Aqaba (for Petra) Cruises, Jordan
As Jordan's only port, Aqaba is your gateway to the magnificent ancient city of Petra. Petra, nicknamed the Rose City due to the colour of the stone from which it's carved, has been a UNESCO World Heritage Site for the last 30 years. Found in the middle of a deep valley, carved into the rock and surrounded by craggy mountains, it's one of the world's most famous archaeological sites. And when you see it, you'll understand why.
No trip to Petra is complete without visiting The Treasury. Soak in the atmosphere with a refreshing cup of mint tea, as traditional Jordanian music sounds out. Top tip – beat the heat and see it in all its lantern-lit glory by night.
While a hike up to The Monastery will offer some decent views, it's the High Place of Sacrifice that offers the most impressive panoramic vistas. Climb the 800 plus steps up to the summit, and you'll be rewarded with a bird's eye view of The Royal Tombs and The Colonnaded Street.
Petra - The Rose Red City
Walk in the footsteps of Indiana Jones and discover this amazing city that was lost to the world for over 1000 years. Jordan's biggest national treasure, Petra is one of UNESCO's World Heritage Sites with 2000 years of history and 800 monuments still standing. Some archaeologists call it the 8th Wonder of the Ancient World – and it's not surprising. Put simply, this place is out of this world. Pick a path through steep rocky slopes and craggy mountain tops, admiring the temples, tombs, theatres and stairways that have been carved into the rock. First off, you'll walk to the entrance of the Old City of As-Siq. As you wander down to Al-Khazneh, also known as the Treasury, you might get a sense of déjà-vu – this place landed a starring role in Indiana Jones and the Last Crusade. Your adventure carries on past the Roman Theatre to the spectacular Royal Tombs, carved into the face of Jebel Khubtha. From here, you'll head down the Colonnaded Street. You'll have time to yourself to wander round and take some pictures before making your way back via the same route. Rounding off your adventure is lunch at one of the local hotels.
Movenpick Hotel & Beach
Ready to kick back and relax? Then come and spend some time on a private beach in Aqaba, at the Movenpick Hotel. This 5 star hotel has got a great pool complex, too, complete with two turquoise swimming pools, roomy sun terraces and an outdoor café. On top of that, the hotel's got a great range of watersports and activities that you can pay for when you get there. As well as cafés and restaurants, you'll find souvenir shops and a foreign exchange service at the hotel. And there's no need to bring a towel with you – you'll be given one when you get there.
Petra - Trek to the Monastery
In Indiana Jones and the Last Crusade, only the penitent man could pass into Petra. But that's not true in real life. In fact, the city known as 'half as old as time' is Jordan's top visitor attraction. On this trip, you'll follow the well-worn tourist trail around this UNESCO World Heritage Site. You'll see temples, tombs, theatres and stairways that were carved out of the rock face almost 2,000 years ago. Then, you'll get to see a part of Petra that most visitors don't get to see. The monastery has remained on the whole incognito, because it takes almost an hour to climb 800 steps to reach it. And, even if the height of this place doesn't dizzy you, its vital statistics will. It's 50 metres tall by 45 metres wide, and even its front door is multi-storey-tall. The flat plaza that's been carved out of the rock in front of the building was once used for religious ceremonies. Before you contemplate the trek back down to on-the-radar Petra, you'll have time for a drink in the cave café, opposite the monastery.


At Expo West I met with the team at New Wave Enviro after we spoke on Twitter. I took a look around their booth and saw that they made an alkaline plus filter pitcher system. On the back of the filter pitchers box is the picture below.
Immediately when I saw the map I was shocked to see all the red exactly where I live in New York. I asked one of the New Wave Enviro team members if the red was good or bad and he explained that where I live has a ton of lead in the water. He told me that the company would send me an alkaline plus pitcher system which I was so excited to try out!
"This pitcher removes chlorine, raises pH to 8.5-9.7 and also comes with lead removal. Lead occurs in water supplies where leads pipes, fixtures, and solder have been used in home plumbing fixtures and city water delivery systems as well as where lead mining exists. No level of lead exposure is safe for children. Homes and water delivery systems built before 1986 affect the quantity of lead in water."
This system's filter lasts for 64 gallons and the system is also BPA-free and dishwasher safe! If you are looking for a pitcher for your household I would highly recommend checking out this Alkaline Plus Filter Pitcher System from New Wave Enviro! Not only is it a great stylish pitcher to keep water cold but it also has so many incredible benefits.
Check out all of the New Wave Enviro products here!


limits set on the amount of POLLUTION permitted by an individual or organization in the form of smoke emissions, noise, etc.
THE UK will not weaken environmental standards to secure a trade deal with the US after Brexit, Michael Gove insisted yesterday.
Previously, the Ministry of Environment stated that if the environmental standards aren't fulfilled the Combine will be closed.
Al-Jasser said the projects' compliance with environmental standards contribute to the preservation of the environment and conservation of the natural resources.
Expression of interest for Promotion of social and environmental standards in the industry focused on the textile and clothing sector in Bangladesh.
The Government threatened to sanction and close down industrial facilities failing to meet environmental standards.
Summary: The Industry Ministry is planning to update its database of industrial enterprises to pave the way for the adoption of improved environmental standards in cooperation with the Environment Ministry, Industry Minister Hussein Hajj Hasan said Wednesday.
The deadline for implementing top environmental standards by all major industrial facilities in Macedonia passes on 1 April.
The Government gave six more months to Makstil and Jugohrom to implement environmental standards in their operations.
Abdulaziz bin Omar Al-Jasser stressed the importance of the commitment of maritime navigation by environmental standards to achieve a better result as it is one of the most important engines of the world economy and accounts for 90% of the volume of world trade.
The national plan states that the exploitation of gold and silver at the Certej concession has to meet new environmental standards.
Summary: DUBAI - Empower-Logstor Insulated Pipes Systems, or Elips, the UAE's largest pre-insulated pipe manufacturing facility in Jebel Ali, has won the ISO 9001:2008, in recognition of its high quality and environmental standards in the fittings for pre-insulated pipes.
Within Green Dragon there are five levels, with each step contributing towards achievement of the International and European environmental standards ISO 14001 and EMAS: .