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Start & Grow Your Business
The Nigeria Money Laundering Act 2011/2022: An In-depth Guide for SMEs
By Business Advisory Team
Nigeria ratified the UN resolution on money laundering on the 1st of November, 1989, and issued the first decree on Money Laundering - National Drug Law Enforcement Agency Decree 1989 (this was limited to proceeds of drug trafficking).
This was the first step in the journey to money laundering legislation in Nigeria.
The Nigerian government, however, enacted other legislation afterward, each repealing the last one. They are:
Money Laundering decree of 1995
Money Laundering (Prohibition) Act 2003
Money Laundering (Prohibition) Act 2004 and the Economic and Financial Crimes Commission Act 2004
Money Laundering (Prevention and Prohibition) Act 2022
In this article, we will analyse the Money Laundering (Prevention and Prohibition) Act 2022 (we will subsequently refer to it as "the Act"), which repealed the Money Laundering (Prohibition) Act 2011. It became active in May 2022. We will identify how it applies to you as an individual, to your business, and to transactions with financial and non-financial institutions both locally and internationally.
The Act works hand in hand with other laws and regulations to curb financial crimes, especially terrorism. The Nigerian Financial Intelligence Unit (NFIU), the Economic and Financial Crimes Commission (EFCC), and the Central Bank of Nigeria (CBN) execute and enforce the Act.
What is Money Laundering?
The term "laundering" means cleaning. This translates money laundering literally to "money cleaning."
Money laundering is, however, broadly defined as concealing the origin of illegally earned money by converting it into a legitimate source.
The perpetrators get most of these funds from illegal activities; for example, embezzlement, corruption, drug trafficking, kidnapping, gambling, etc.
What does the 2022 Act say about Money Laundering?
The Act defines money laundering as an act carried out by a person or a company regarding any fund or property while trying to:
Conceal or disguise its origin
Convert or transfer it
Remove it from his locality
Acquire, use, keep, or take possession or control of any illegal fund or property.
It specifies that for this to apply to you, you must have been intentional about your actions. It also applies to situations where you reasonably ought to have known that such a fund or property is part of the proceeds of an unlawful act. This includes taking part in or assisting someone else in the movement of funds to make the proceeds appear legitimate. It involves three steps:
depositing cash into the financial system
Carrying out transactions to conceal the source of the money
Taking possession of the wealth produced by the transactions
The Act defines an unlawful act to include:
Participation in an organised criminal group
Racketeering, terrorism, terrorist financing
Trafficking of persons, smuggling of migrants, sexual exploitation of adults and children
Illicit trafficking in narcotic drugs and psychotropic substances
Illicit arms trafficking, illicit trafficking in stolen goods
Corruption, bribery, fraud, currency counterfeiting
Counterfeiting and piracy of goods, environmental crimes
Murder, grievous bodily injury
Kidnapping, hostage taking robbery, or theft
Smuggling (including customs and excise duties and taxes), tax crimes (related to both direct and indirect taxes)
Extortion, forgery, piracy
Insider trading and market manipulation
Any other criminal act specified in this Act or any law in Nigeria
Any action considered unlawful in Nigeria but committed anywhere in the world
Regulatory authorities do not have to establish that a person committed a specific unlawful act to prove a money laundering offence. They can infer all elements of the offence from the facts and circumstances of the action.
The Act comprises 31 sections, divided into 5 parts.
Prohibition of Money Laundering
Special Control Unit against Money Laundering
Miscellaneous provisions
The Act provides a practical framework for the "prevention, prohibition, detection, prosecution, and punishment of money laundering and related offences,"
It strengthens the existing system for combating money laundering
The scope of money laundering offences is expanded as well as provisions made for penalties
The Act establishes the Special Control Unit against Money Laundering (SCUML) under the EFCC for effective implementation of the provisions concerning the designated non-financial businesses and professions.
This is the core aspect of the Act. It is aimed at five categories of corporate and non-corporate bodies:
Businesses and professions in the financial and specified non-financial sectors
Political persons
Shell banks
We will focus mainly on the first three bodies. There is a threshold for the maximum amount of money that you can travel with or transact with, either as an individual or a company. Let's discuss this alongside the obligations of financial and non-financial institutions in carrying out these transactions.
The Act defines businesses in the financial sector to include:
Associations or groups of persons, whether corporate or incorporate, which carry on the business of investment and securities
Virtual asset service providers
Discount houses
Debt factorisation and conversion firm
Money brokerage firm whose principal business includes factoring
Project financing, equipment leasing, debt administration, fund management, private ledger service, investment management, local purchase order financing, and export finance firms
Project consultancy, financial consultancy, pension fund management, and such other businesses as the Central Bank or other appropriate regulatory authorities may designate from time to time.
The specified non-financial businesses and professions fall under the ambit of SCUML. You can check the list here. It is referred to as the Designated Non-Financial Businesses and Professions in the Act, but for clarity, we will refer to them as "Non-financial institutions."
Prohibitions and Guidelines under the Act
You cannot make or receive a cash payment that is higher than
₦5,000,000 (Five Million Naira) as an individual
₦10,000,000 (Ten million Naira) as a company, unless you do so through a bank or any other financial institution.
You cannot carry out transactions separately with one or more financial institutions or non-financial institutions with the intention of
not reporting a transaction, especially when the Act requires that it be reported, or hiding information in any other way
Any transfer of money or securities worth more than US$10,000 to or from a foreign nation must be reported in writing to the NFIU, CBN, and SEC within one day of carrying out the transaction. The report should show:
Nature and amount of transfer
Names and addresses of the sender and receiver
Additionally, you should inform the Nigerian Customs Services (who will report it to the CBN and the NFIU) if you transport cash or negotiable instruments in that amount into or out of Nigeria. Failure to comply with this will lead to two years of imprisonment, forfeiture of money or other negotiable instruments, or both.
Both financial and non-financial institutions must:
Identify any customer by using relevant identification documents, e.g., driver's licence, national identity card, voter's card, Nigerian passport, etc.
Confirm the identity of the customer using a reliable and independent means
Identify and confirm the identity of the beneficiary
Verify the identity of any person purporting to act on behalf of the customer
Both financial and non-financial institutions are required to ensure customer due diligence in:
All their relationships, regardless of whether there is a suspicion of money laundering and especially where there is a doubt about the identification data gotten from the customer
They must keep all documents and information up-to-date, especially for high-risk categories of customers or business relationships
With international transactions, they are to perform due diligence on the receiving party.
This also applies to any casual transaction involving more than US$1,000 or where they suspect that the amount of the transaction is the proceeds of an illegal activity, regardless of whether it is up to US$1,000.
Furthermore, a financial or non-financial institution must deem a transaction suspicious and report it to the NFIU right away and within 24 hours.
They should do this if the transaction, in the institution's opinion, is unjustifiable, occurs more frequently than the account's typical pattern, or involves the proceeds of an illegal act. The institution must:
Draw up a report of their suspicions
Take actions to prevent the laundering of the transaction sum, as the case may be
Report the transaction and actions taken to the NFIU
The NFIU is empowered to place a stop order on such a transaction or issue an order within 72 hours if it is suspected to be an illegal act.
If the financial or non-financial institution does not receive a stop order from the NFIU within 72 hours or if the order has expired, they can carry out the transaction unless they get an order from the FHC. A criminal proceeding can be brought against such an officer of the institution if it is discovered he was involved in a conspiracy.
Unless an institution can prove that they were acting in good faith, failure to comply is an offense that is punishable by a fine of ₦1,000,000 (one million naira), for each day the offense goes unpunished.
Equally important is the fact that both financial and non-financial institutions are required to keep all records for five years following the completion of business and make them quickly available to relevant authorities where needed.
They are also required to combat the laundering of proceeds of crime by putting in place internal procedures, policies, control, and training of their employees to ensure
Centralization of information
Establishment of internal audit to ensure the effectiveness of policies put in place
Failure to comply makes them liable on conviction to
not more than ₦1,000,000 (one million naira) for non-financial institutions
Not less than ₦1,000,000 (one million naira) for capital brokerage and other financial institutions
N5,000,000 for banks
Suspension of a practising licence issued to the affected institution
Financial and non-financial institutions are tasked with the responsibility of identifying money laundering and terrorism financing risks. These risks may arise in connection with the development of new products/business practices. Financial institutions must ensure that receiving financial institutions in foreign countries don't allow their accounts to be used by numbered, anonymous, or shell banks.
They include the use of new delivery mechanisms and new developing technologies/mechanisms for both new and pre-existing products, as specified by regulatory authorities.
The assessment should be done before using or launching such products, technologies, or practices. It is expected that such institutions will take measures to manage and mitigate the risk.
The Act provides that financial and non-financial institutions should put risk management systems and procedures in place to determine whether a customer or a beneficiary is a politically exposed person.
If it is a foreign, politically exposed person, it is required that
Senior management's approval should be obtained before establishing such business relationships
Take measures to establish the source of wealth and funds in question
Ensure continuous monitoring of the relationship
These requirements also apply to a politically exposed Nigerian where the business transaction is high risk.
This brings us to the questions:
Who should the money laundering report be made to?
When should it be made?
How should it be made?
What is the penalty for not complying?
These questions will be answered in the next section.
Mandatory reports
Financial and Non-financial Institutions
Financial institutions are to report to the NFIU, while non-financial institutions report to SCUML, any single transaction, deposit, or transfer of funds that exceed:
₦5,000,000 (five million naira) or its equivalent for individuals
₦10,000,000 (ten million naira) or its equivalent for companies
All reports are to be given in written form. Failure to comply makes the affected institution liable to a fine of at least ₦250,000 (two hundred and fifty thousand naira), but not more than ₦1,000,000 (one million naira) for each day of non-compliance.
A person can voluntarily give information about transactions exceeding:
₦1,000,000 (one million naira) for individuals;
₦5,000,000 (five million naira) for companies.
SCUML and the specified Non-Financial Institutions
The Special Control Unit against Money Laundering (SCUML) is a department under the EFCC responsible for supervising Designated Non-Financial Businesses and professions (non-financial institutions).
The SCUML ensures compliance with the Act and other relevant laws and regulations.
Functions of the SCUML
Register and certify designated non-financial institutions
Monitor and supervise them
Take enforcement actions to ensure compliance
Conduct checks and inspections of designated non-financial institutions
Receive cash-based transaction reports and currency transaction reports from non-financial institutions.
Sensitize them to their responsibilities under the act
Perform all functions necessary to fulfill its responsibilities under this act
The specified non-financial institutions
The Act lists them as:
Automotive dealers
Businesses involved in the hospital industry
Clearing and settlement companies
Consultants and consulting companies
Dealers in jewelry
Dealers in mechanised farming equipment, farming equipment, and machinery
Dealers in precious metals and precious stones
Dealers in real estate, estate developers, estate agents, and brokers
High-value dealers
Legal practitioners and notaries
Licensed professional accountants
Practitioners of mechanized farming
Trust and company service providers
Pools betting
Other businesses and professions as the minister responsible for trade and investment designates.
The above-named institutions that deal in cash transactions are required to:
submit a declaration of their operations to SCUML for newly established businesses before commencing business and for currently operating businesses within three months of the Act's commencement, which was in May 2022.
identify customers in a transaction of more than US$1,000 by asking him/her to fill out a data form and a prescribed form of identity.
Maintain a register to record such transactions with the customer's details (surname, name, and address), which will be forwarded to SCUML. The register is to be kept for five years.
Failure to comply within 7 days from the date of a transaction is an offence punishable on conviction by
Payment of a fine of ₦250,000 (two hundred and fifty thousand naira) for each day that the offence continues
Suspension, revocation/withdrawal of a licence by the licensing authority.
The Act makes provisions for penalties for offenders who have been convicted of money laundering. The penalty takes three (3) forms. A convicted offender could be liable to one or all the forms of penalties. They are:
Imprisonment: imprisonment for not less than four years but not over 14 years
Fines: a fine not less than five times the value of the proceeds of the crime
Revocation of practicing or business licence.
A company will be liable for the same fine. If the company persists after conviction of the first offence, the regulators may withdraw or revoke its certificate or licence.
If an officer of the financial or non-financial institution, whether a director or an employee, connives with or warns an offender to stop the statutory report to the NFIU, he is liable on conviction to a fine of ₦10,000,000 (ten million naira) or imprisonment for at least two years. Where a person or financial institution fails to make its findings and ends up transacting with a shell bank, such a person or institution will be liable on conviction to:
Imprisonment for at least two years, but not over five years for an individual
For a company;
A fine of at least ₦10,000,000 (ten million naira), but not more than ₦50,000,000 (fifty million naira)
Prosecution of the principal officers of the company
closing down and forbidding its formation or incorporation under any form or disguise.
Officers of Financial and Non-Financial Institutions
The Act places a lot of responsibilities on officers and management of financial and non-financial institutions. That being said, when an officer is found guilty of the following:
Destruction of the register required to be kept
Carrying out transactions listed here under a false identity or attempting the same
Making and accepting cash payments higher than the allowed amount
Failure to report an international transaction that is required to be reported
non-compliance with all actions expected of financial and non-financial.
The officer or director of a financial/non-financial institution will be liable on conviction to imprisonment for at least 3 years or a fine of ₦10,000,000 (ten million naira) or both for an individual. A company will be liable for a fine of ₦25,000,000 (twenty-five million naira)
Such an officer or director will also be liable to
either an indefinite ban or a five-year ban from engaging in the profession through which he committed the crime.
Additional disciplinary action by the person's or company's professional body as they deem fit where they did not put in place the mandatory internal policy provision
Anyone who wilfully obstructs officers of a competent authority in the exercise of their powers under the Act commits an offence and is liable on conviction to;
Imprisonment for two to three years for an individual
a financial institution or company will pay a fine of N1 million
The Act empowers the Attorney General of the Federation (AGF) to prescribe sanctions for any breach of the Act. This takes precedence over any other sanctions imposed by existing regulations.
To sum it up, remember that the highest cash transaction you can do as an individual is ₦5,000,000 (five million naira) which is about US$11,816.18 today. As a company, the highest cash transaction you can handle is ₦10,000,000 (ten million naira). That is approximately US$23,632.36. You should do any amount higher than this through a financial institution. You can not invoke customer confidentiality on activities bordering on money laundering, as it is not applicable. If a person commits the acts making up the offence in various/different countries or places, the regulatory authorities can secure his conviction and sentencing in Nigeria.
Money laundering makes economic policy formulation more difficult and is associated with lower economic growth: a major reason the government strives to put legislation in place to curb it. As such, it is also your duty as a Nigerian citizen to report voluntarily any suspicious act of money laundering.
If you have questions about the Money Laundering (Prevention and Prohibition) Act 2011, its amendment we talked about, and how it relates to you, book a free session with an expert.
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©2022 Authority Wit
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Abraham Hall, constructed in 1889, is located on the northeast side of Old Muirkirk Road in the center of the historic African American community of Rossville, a section of Prince George's County, Maryland near Beltsville.

It was constructed by the Benevolent Sons and Daughters of Abraham, an African American society that was established for the social welfare of its members. Originally known as Rebecca Lodge #6 of the Benevolent Sons and Daughters of Abraham, the building was constructed by John W. Jackson in 1889 in the burgeoning community of Rossville. Abraham Hall, an excellent example of a multi-purpose building associated with African Americans, served as a meeting hall, a house of worship, a school, and a social hall for African Americans living in a segregated society. The lodge hall functioned as the community black school, until a Rosenwald School was built in 1922.

The structure is set back from the road on a  grassy lot with mature trees. It is a three-bay, two-story gable front frame lodge building with a brick foundation, wood lap siding with cornerboards, and a shake roof with a boxed cornice. A brick chimney rises from the northwest slope of the roof. Both the interior and exterior of the building were carefully restored between 1986 and 1991 using original materials or in-kind replacements.

It was listed on the National Register of Historic Places in 2005.

References

External links

, including photo in 2004, at Maryland Historical Trust website
African-American Heritage Survey, October 1996: Properties Within or Closely Associated with Historic Communities; Abraham Hall, entry 62-023-07, p. 19

African-American history of Prince George's County, Maryland
Community centers in Maryland
Beltsville, Maryland
Buildings and structures in Prince George's County, Maryland
Churches in Prince George's County, Maryland
Historically segregated African-American schools in Maryland
Schools in Prince George's County, Maryland
Buildings and structures completed in 1889
Clubhouses on the National Register of Historic Places in Maryland
National Register of Historic Places in Prince George's County, Maryland
Properties of religious function on the National Register of Historic Places in Maryland
School buildings on the National Register of Historic Places in Maryland
Wooden buildings and structures in the United States
1889 establishments in Maryland
Historic American Buildings Survey in Maryland

redpajama_set_name: RedPajamaWikipedia


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Chavez Achieves the Impossible: Making an Enemy of Brazil
By Mario Loyola
About Mario Loyola
Follow Mario Loyola on Twitter
One of the greatest frustrations for those of us who watch Cuba and Venezuela closely has been the excessive pampering given to their dictators by moderate Latin American countries considered friendly to the United States. Efforts to get crucial fence-sitters such as the Brazilian government to come out and say what it thinks of Hugo Chavez have made little headway.
But as one might have predicted, Hugo Chavez has now taken care of that problem himself. One diplomat in Caracas thinks Chavez "really miscalculated" with the closing of RCTV. With demonstrations continuing across the country into their second week, the diplomatic protests are also spreading.
Now, the Brazilian Congress has made plain its newfound enmity for Chavez, with leaders of the opposition and of the governing coalition comparing Chavez to Hitler and Mussolini, calling him a "dictator in disguise" and a "threat to the peace of the continent." The President of the Senate declared that "if a head of State can't live with democratic demonstrations, he is probably against democracy."
Chavez reacted in his normal mode of communication — with vulgar insults. The Brazilian Congress is "dominated by the right," he said. "It's a parrot that repeats what Washington says." And, the kicker, "It would be much easier for the Portuguese Empire to install itself once again in Brasilia than for the Government of Venezuela to return the license that ended the Venezuelan oligarchy."
Asked about the Venezuelan dictator's comments during a trip to London, Brazilian president "Lula" dryly remarked that Chavez should worry about Venezuela and let him worry about Brazil. This brought an immediate reaction in the Brazilian Congress, where an influential member of the governing coalition said that Lula "needs to overcome the restrictions of his diplomacy of excessive tolerance for adventurers and take a position in defense of the sovereignty of Brazil and the dignity of its Congress." This suggests that Lula will now come under domestic political pressure to come out against Chavez — which could be a diplomatic tipping point and a real disaster for Venezuela.
Chavez may find that not all of the petrodollars in the world can reverse the affects of offending the inoffensive and hugely popular Brazilians. Sooner or later, this charlatan and cocktail intellectual was going to start to overplay his hand; the surprising thing is that it took this long.
Mario Loyola — Mr. Loyola is a research associate professor and the director of the Environmental Finance and Risk Management Program at Florida International University and a senior fellow at the Competitive Enterprise Institute. From 2017 to 2019 he was the associate director for regulatory reform at the White House Council on Environmental Quality. @Mario_A_Loyola
Obamacare's Other Shoe Just Dropped
Casey B. Mulligan
Even in its dubious goal of increasing taxes, Obamacare fell short.
Rand Paul Warns One-Third of Republicans Will Leave Party if GOP Senators Back Impeachment
Zachary Evans
'This isn't about, anymore, the Electoral College, this is about the future of the party,' the Kentucky senator cautioned.

redpajama_set_name: RedPajamaCommonCrawl


Press Release (ePRNews.com) - Monrovia, CA - Oct 15, 2018 - Local Probate Real Estate specialist Kevin Sayles is a forward thinker. With experience dating back to the early 1990's in one of the busiest real estate markets in the United States, Sayles could see a trend coming.
"Probate real estate is a goldmine of opportunity! The largest transfer of wealth in history is coming like a tidal wave as the Baby boomer generation dies off," the Monrovia-based Probate Real Estate specialist explained.
"Senior citizens are the fastest growing demographic in America. The post-World War II Baby boomers control approximately 67% of all U.S. wealth and they are dying at a rate of 1 every minute. That makes for a lot of property that is changing or about to change hands. For real estate agents and investors, this circumstance creates business opportunities. And this is why I teach and speak about probate real estate at live events and webinars," he stated.
To attend this and other on-demand webinars, visit http://probaterealestatesales101.com/events/.
If you would like more information on the webinars or any other Kevin Sayles speaking events, please call (800) 299-0709 or visit www.probaterealestatesales101.com.


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Episode 1 - Forecasting for 2023
In this episode of The Money Experience, Kevin McGarry is speaking with Frank M. Betsch, the founding partner of Valley Financial Group. With over 42 years of financial planning experience, Frank has helped thousands of people retire.
The goal of this podcast is to uncomplicate money. The guys are looking at the predictions for 2023 and comparing them to historical data to come up with their own opinions on what the market has to offer in the upcoming year. This episode is wrapped up with advice on managing your finances.
To contact Kevin McGarry: kevin@valleyfinancial.com kevin@valleyfinancial.com
To schedule a free financial assessment, fill out the form below.
Episode 1 – Forecasting for 2023
Episode 16 – Year-End Checklist
Episode 15 – Why You Need A Financial Advisor
Episode 14 – Midterm Elections & the Economy
NextEstate Planning Webinar – Thursday, February 18, 2021Next
Episode 1 – Forecasting for 2023 In this episode of The Money Experience, Kevin McGarry is speaking with Frank M. Betsch, the founding partner of Valley Financial Group. With over 42 years of financial planning experience, Frank has helped thousands of people retire. The goal of this podcast is to uncomplicate money. The guys are
Episode 16 – Year-End Checklist In this episode of Blue Money, Jim & Kevin are discussing 2022 in review. They're also providing a checklist for you to use at the end of this year, to make sure you're in the best financial standing you can be going into the new year. Kevin has a great
Episode 15 – Why You Need A Financial Advisor In this episode of Blue Money, the guys are breaking down all the reasons why a person should have a financial advisor. These aren't just Kevin & Jim's opinions – they have the numbers to back it up. You may be surprised to hear the difference
Episode 14 – Midterm Elections & the Economy In this episode of Blue Money, Kevin & Jim discuss the effect on the economy that the midterm elections have historically. Kevin offers an explanation for why we see the trends we do around election time. Jim explains the current situation and what's at stake, then goes


On Tuesday evening, I was making my usual trip down to the Jiu-Jitsu academy for training, and I had the opportunity to listen to much of the President's State of the Union address. Though I don't clear my schedule to hear them, I've always enjoyed listening to a presidential address when the chance arises. It's not that I'm curious about where the country is going or that I fear he might say something to discourage my hopes and dreams. Rather, I love hearing good speech. The high-level rhetoric that usually accompanies such a moment fascinates me. These are not off-the-cuff speeches. They are well written with purposeful moves and specific goals.
As I write this, there are various news sources that will be coming out with all sorts of objections to what the president had to say. There are fact checkers who will dissect the message and find how something was either intentionally or unintentionally misstated to help the speech obtain its goal. There will be lists of how the president was wrong at this point or hid the truth at another. And while that all may be correct, none of it much matters. For it is the moment, the real-time speaking moment of the State of Union Address, that matters.
It is the immediacy of the President of the United States being able to speak directly to the people of this republic (whole and unedited) that will be far more impactful than any rebuttal, any dissection, any review of the speech at a later point. This is why Roosevelt called it a bully pulpit. The direct access of a well-prepared speech to a hearer is an awesome tool.
I wonder how often our pastors think about such things.
Now, to be sure, the pulpit of a preacher of the Word of God is not a place for personal agendas or cheap rhetorical attacks on favorite pet peeves. It is a location from which the whole counsel of God is to be proclaimed. It is the hammer of the Law and the sweet salve of the Gospel. It is the bearer of both life and death, and we dare not take it lightly.
Yet in the life of the people who gather to hear, it is the ultimate bully pulpit. It is a direct address to God's children that can cut sharply through the filters or our culture. It is a moment in time that is more powerful than the second guesses and analysis the day after.
In all that pulls on a preacher's time—meetings, counseling, lesson planning, teaching, and visiting—it is this moment that must take precedence. Embrace the bully pulpit that is inherent to the call of the ministry, and use it for all its worth. Be intentional in your craft. It is not OK to have a sloppy sermon or to be ill prepared.
After all, everyone else is preaching—the world, the devil, and our own sinful flesh—but you've got such a bully pulpit.
I wish the pastors of this country would use their "bully pulpits" to not only bring the Gospel in a measured but forceful way, but to address, rather than circumvent, the moral quagmire this nation has become. Few pastors I have heard in our Synod bother to mention abortion, even lately, after the Democrats in my state of NY have abandoned all constraints and want late term terminations of unwanted unborn children approved legally as an acceptable outcome. The reasons advanced and codified were intentionally left vague and easy to interpret as 'necessary' for the health needs, not imminent danger, of the mother who decides at the last minute to destroy her child. Of course, it would add a discretionary discussion with the Doctor in attendance, as the rubber stamp of approval permits the completion of the crime. Where is the sense of outrage from the pulpits of the sleeping pastors of this professing Christian nation? Besides this, the Virginia Governor, who is a doctor who disdains his own Hypocratic oath to preserve life, made the recent outrageous decision to approve an expanded abortion initiative which, thanks to the conservative pro-life Republicans, was handily defeated. As I watched Trump's speech, noting this man, for his many flaws, at least dares to speak for the unborn, I could not help but continue to admire him. No Democrat ever speaks against abortion, as they prefer the cause of the canker worm, climate change, and too many outrageous issues to list. So Trump, beleaguered by the press and his enemies inside and outside of his own party, still speaks his mind, and for the rest of us who have grown tired of the direction this nation has taken politically and culturally. Pastors of America, wake up sleepy heads, and use the bully pulpit.


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Select Interior Concepts to Sell Residential Design Services Segment to Interior Logic
Atlanta, GA, May 10, 2021-Select Interior Concepts (SIC), an installer and nationwide distributor of interior building products, agreed to sell its Residential Design Services segment in an all-cash transaction to Interior Logic Group.
The transaction is valued at about $215 million and is expected to close mid-2021.
SIC plans to use the proceeds from the transaction to repay all its outstanding indebtedness and capital lease obligations.
Interior Logic, based in Irvine, California, is a provider of flooring and other interior finishes for homebuilders. The company was acquired by Blackstone Group in February 2021.
Interior Logic Group was number five on Floor Focus' Top 100 Retailers list in 2020.


I have walked on a lot of roofs lately, and it seems to me to be a fine addition to the enjoyment of a building and the city in which it sits.
Most recently in Lisbon. With all the publicity for Amanda Levete's MAAT gallery I had failed to appreciate that Amanda's wave of a building was in fact a rumpled extension of the somewhat 2-dimensional landscaping that edges this part of the Tagus. Promenading along the promenade you can take the straight and level route or, with the expenditure of a little more energy, enjoy the views and the selfie opportunities afforded by the roof.
This is not of course new. In Oslo, it's been 10 years since Snøhetta first allowed us to roam across their iceberg of an opera house, adding to this slowly emerging quarter of the city new areas for biding one's time, angled towards the low sunshine and with views of the ferries as they come and go.
Admittedly neither roof is awash with physical or spatial components to encourage a wider range of leisure activities, but the potential is evident.
Of course, these are buildings that house activities for which natural light is not a benefit, and so a designer might readily consider and welcome the opportunity afforded by the roof as one way of ameliorating the urban impact of an otherwise largely blind edifice.
In the transport world there is no such restriction, so it is a little disappointing that while in Japan you can wander across Foreign Office Architect's precisely laid shipboard and grassland roof of the 2002 Yokohama Ferry Terminal, the absence of openings does make for a rather stowage-class feeling below, where the penetration of more natural light would be quite possible and a distinct advantage to the experience of travel.
And so in Hong Kong a few weeks ago, I was pleased to experience the recently opened West Kowloon station, with its even more dramatic wave offering a range of clambering and picnicking opportunities, rewarded – at least until they build the cultural centres to the south – with wide ranging views across the harbour. And despite the ability to walk and rest upon its roof along many different paths, when inside there remains a flood of natural light to bathe the waiting travellers amongst the chaotic-cathedral architecture. Think what you like about the building design and the political implications of mainland China arriving with a splash in the old Crown colony, this combination of internal/external public function and ambience is worthy of serious consideration.
And then I return to the UK and the published images of the new HS2 station roofs.
Don't get me wrong, the great spans of Brunel, Barlow and their kin are wonderful, some of my favourite spaces, temples to our capabilities and gateways to our cities. But I do wonder whether we as UK transport promoters and designers are stuck with this 19th Century vision of a train shed as an exhibition of engineering prowess alone. I wonder why, at a time when infrastructure and the urban facility of the city are so closely entwined in our conversation, we don't make more of these acres of new roof to create elevated and accessible urban spaces that bring new pleasures and perspectives to our cities.


Outsiders assume that extreme sports are about risk taking. Extreme sportspersons don't describe risk-taking as their lived experience. They recognize that the possible outcome of a mistake can result in death. Yet risk is not their focus. Preparation is.
Extreme sportspersons prepare diligently. Preparation and practice prepare them to manage risk. Repeated practice enables them to recognize danger, assess risk, and manage risk. A key idea that I discovered in my readings is the ability of extreme sportspersons to break down/visualize their actions/movements into what I label 'Nano-chunks,' small byte sized moves, and prepare for managing each micro-movement/situation. The victory of extreme sports is winning many Nano-chunks. Even if a few micro-moments go awry, they still win.
In my experience of helping entrepreneurs start, I can say that a startup is a collection of many micro-steps implemented to a pattern. Entrepreneurs do exactly what extreme sportspersons do. Break their startup into a series of Nano-steps, each to establish a business assumption. Entrepreneurs recognize risk but don't focus on it. Their strategy of micro-step execution is similar to extreme sportspersons.
SmartGlobal's StartSmart Entrepreneurship Program is one such program that identifies the entrepreneur's entrepreneurship skills and helps them boost, manage and implement it in the right direction to get the desired outcome as a successful setup of business.


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Ramsey Lewis, a jazz pianist famous for the songs "Wade in the Water" and "The In Crowd," has passed away at age 87.
by Adrian Porter | Sep 13, 2022 | News, Trending News | 0 comments
Ramsey Lewis, a renowned jazz pianist who became one of the nation's most well-known jazz artists throughout a career spanning more than 60 years and began with the Ramsey Lewis Trio, has passed away. He was 87.
For 1960s successes like "The In Crowd," "Hang on Sloopy," and "Wade in the Water," Lewis is admired in the jazz community. He received seven gold records, as well as three Grammys. In 1956, "Ramsey Lewis and the Gentlemen of Swing"—the group's debut album—was made available.
According to his son Bobby Lewis, Lewis passed away on Monday at his home in Chicago while he was sleeping.
"When they first met dad, most people said he was a class act, and he stayed that way right up until the end," Bobby Lewis said to The Associated Press on Monday night.
In an interview with the AP in 2011, Ramsey Lewis discussed his approach to writing and playing music.
Lewis observed, sitting at the dining room table in his home in downtown Chicago, "Life is a solo, and it continues. "I just know that it will flow when I place my hands on the keyboard."
Lewis began learning the piano at the age of 4. His early years were spent in Chicago, where he used his background in gospel and classical music to forge his own jazz style in the several local clubs that employed burgeoning jazz artists.
When Lewis was designated the National Endowment for the Arts Jazz Master in 2007, he commented, "It offered us a lot of opportunities to explore our ideas and understand what it takes to play in front of an audience." Billy Taylor, a pianist, and fellow Jazz Master presented him with the honor.
25 jazz standards that show the development of the classic American art form
Throughout his career, Lewis shared the stage alongside musicians like Pat Metheney, Tony Bennett, Al Jarreau, and Aretha Franklin. Lewis released more than 80 recordings, including 30 with the Chicago-based Chess Records. He went on a globe tour and gave a performance at the state banquet for President Fernando Henrique of Brazil that was hosted by then-President Bill Clinton in 1995.
Later in his career, the Chicago native started writing substantial musical compositions. His debut composition was an eight-movement work for the Joffrey Ballet of Chicago. Proclamation of Hope: A Symphonic Poem by Ramsey Lewis, an homage to President Abraham Lincoln, was also finished by him.
The Ramsey Lewis Morning Show on WNUA-FM and the syndicated "Legends of Jazz with Ramsey Lewis" were two of the radio shows Lewis helmed in the 1990s and 2000. In 2007, Lewis hosted "Legends of Jazz with Ramsey Lewis," a weekly program that aired on public television stations all over the country.
According to the show's makers, jazz greats and up-and-comers were showcased for the first time on a weekly basis on network television in 40 years.
Lewis has also volunteered for organizations that help young people learn to play the piano.
Since 2011, Lewis has been managed by Steele, whose Tampa, Florida-based Steele Management Steele recalled that throughout the final year of his life, the man worked on his memoirs. It will be released next year, it's completed.
Lewis is also survived by his wife Janet, daughters Denise Jeffries and Dawn Allain, two other sons, Kendall Kelly Lewis and Frayne Lewis, as well as a large number of grandkids and great-grandchildren.


The U.S. Supreme Court justices today grappled with the appropriate weight to be applied to a foreign government's characterization of its own law. At issue is a decision of the U.S. Court of Appeals in New York City. The Second Circuit held that a federal court is bound to defer to an interpretation offered by a foreign government that "directly participates in U.S. court proceedings" that is "reasonable under the circumstances." The case involved a price fixing action against Chinese manufacturers and exporters of vitamin C. U.S. vitamin C purchasers asked the Court to review the Second Circuit decision, which vacated a district court order in their favor, after affording deference to the views of the Chinese government, which purportedly sanctioned the price fixing conduct (Animal Science Products, Inc. v. Hebei Welcome Pharmaceutical Co. Ltd., Dkt. 16-1220).
The U.S. government, in supporting the petitioners, urged the High Court not to articulate a Chevron-type rule, or a sort of one-size-fits-all rule that federal courts are bound to a foreign government's interpretation of its law, if the foreign sovereign's interpretation is reasonable or if it meets some other standard. When pressed by the justices for what standard should be applied, Brian H. Fletcher, Assistant to the U.S. Solicitor General, said that a submission from a foreign government should be entitled to substantial weight, but the weight that it is entitled to is inevitably going to depend on the circumstances.
Carter Phillips of Sidley Austin LLP, appearing on behalf of the Ministry of Commerce of the People's Republic of China as amicus curiae, argued that the Second Circuit's standard, that a foreign sovereign's reasonable interpretation should be conclusive, should be upheld. According to Phillips, the Second Circuit's decision was the right one in the case. China's minimum price regime dictated the outcome of the case. Chinese law required the defendants to do precisely what they did. The Second Circuit standard also offers respect to the foreign government, he contended.
"What the Chinese law required was unambiguously price fixing that was in conflict with U.S. law, and that is why, in reaching the determination whether to—to affirm, vacate, or reverse, we believe the appropriate disposition is to affirm," said Jonathan M. Jacobson of Wilson Sonsini Goodrich & Rosati, P.C., arguing on behalf of the respondents.
In responding to a question raised by Justice Elana Kagan, Michael Julian Gottlieb of Boies Schiller Flexner LLP for the petitioners suggested during rebuttal that the Second Circuit went too far and that no other nation in the world applies the rule advocated by the petitioners and Ministry of China. "China doesn't apply this kind of binding deference," said Gottlieb. "The United States doesn't ask for it. It doesn't apply it."
Attorneys: Michael J. Gottlieb (Boies Schiller Flexner LLP) for petitioners. Jonathan M. Jacobson (Wilson Sonsini Goodrich & Rosati, P.C.) for respondents. Carter G. Phillips (Sidley Austin LLP) for Ministry of Commerce of the People's Republic of China as amicus curiae.


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June 10, 2021 / David Rasbach and Dave Gallagher / Bellingham Herald
Southwest Airlines announces date and destinations it will begin service to Bellingham
Wanna get away from Bellingham's rain and cold this winter? Beginning Nov. 7, you can do just that and escape to the sunshine in California or Nevada.
Southwest Airlines on Thursday, June 10, announced that it will begin daily service to and from Bellingham International Airport one week after Halloween and its initial two destinations will be Las Vegas, Nevada, and Oakland, California.
"With this service pattern, customers traveling from nearly 40 airports across the Southwest network will be able to land closer to southern British Columbia, Canada," said a Southwest release.
According to the airline's route map, it currently offers nonstop service to 35 destinations from Oakland and 66 from Las Vegas.
Service initially is set to include once-daily flights between Bellingham and Las Vegas and twice-daily flights to and from Oakland, according to the release.
Tickets between Bellingham and those destinations are now available for purchase for as low as $39 one way at southwest.com, according to the release.
The Oakland and Las Vegas destinations are ones that Bellingham already offers through Allegiant Air, but there are advantages to having Southwest also fly to those places, said Sandy Ward, president and CEO of Bellingham Whatcom County Tourism.
Bellingham International Airport
While the Allegiant model focuses on getting passengers to one vacation destination and offering hotel/car rental packages, Southwest offers quite a few connecting flights out of Oakland and Las Vegas, including luggage transfers. With its low fares, flights from Bellingham to Oakland to, say, Hawaii becomes another option to driving to Seattle for Hawaii flights, she said.
"We're thrilled to have Southwest here, it's such great news," Ward said.
The timing of Southwest's announcement comes as the U.S. and Canada work toward lifting pandemic restrictions at the border. If the border begins reopening in the coming weeks, Ward said, that would put Southwest in a good position to market the Bellingham airport to travelers in lower British Columbia for the fall flights.
Read full article here: Bellingham Herald
Original URL: https://www.bellinghamherald.com/news/local/article252024673.html


So, what's happened after our rooftop tour? Bobbi Anne Hancock explains how she got the idea for Blazer Gardens after she heard about Blazer Pantry, which is Crystal Hardy's project that provides food for VSU students who don't have any.
Everybody explained how they heard about Blazer Gardens. Here are few I videoed.
"2. A maximum of 10 persons shall be allowed to speak at any meeting."
The LAKE blog, On the LAKE Front, quadrupled its page views this month!
People want to see what happened at the County Commission, and what didn't can be just as important.
The interesting commission meeting will be the next one. Remember, Chairman Paulk said they were still operating by the old rules at the meeting that happened this week. So next meeting they may actually refuse to let people speak on certain topics.
On the Frank Barnas Newstalk105.9 WVGA radio show 25 Jan 2011 the morning before the County Commission meeting, County Commmission Chairman Ashley Paulk complained that Citizens Wishing to be Heard has been abused and meetings are not free; there are people to pay.
"In these times we've got to run efficient meetings."
"You need to monitor people who are there."
"You want a little better control over who and where they are."
So posting videos of the meeting to the web should be a good idea so everyone could see what is going on.
And in the larger picture, should we be more concerned with a few dollars now or with the ability of citizens to be heard or for that matter with the long-term economics and health of the county?
Chairman Paulk notes the sheriff has a very difficult job in trying to find the younger Eunice in the Ocean Pond. He asks people also to keep the Eunice family and Joyce Evans in mind since her niece was recently murdered.
This second version is both noisier and perhaps somewhat easier to hear.
He remarks that the county has contracted with an arborist to prune a tree on the courthouse property the next day, but don't be alarmed; they're not cutting any trees down. He thanks volunteers and agencies throughout the state who have participated in searching for the missing person in the lake.
First time speaker Dr. William Fuller refers to a paper copy he got from the City of Valdosta of the charter of the Industrial Authority. He says it allows them to make contracts, and he asks for someone to check to see the unelected members of the Industrial Authority don't contract with relatives. He notes that the charter says their main purpose is to promote the general welfare of the people of Lowndes County, and the proposed biomass plant won't do that.
Chairman Paulk says he got a very good email from Susan Wehling, who said she could not be here tonight.
She says she has asked the Industrial Authority who in our local community has done studies on the environment and our health? She says she understands that they have constituents who are not from here, but who locally can do some investigating that specifically cares about Lowndes County, who has the environmental expertise?
Chairman Paulk thanks her for their earlier conversation, and says: "I will seek an answer."
Two cameras and the sound is bad in both, although for other speakers it's fine. I attribute it to the microphone being too far away from her, and when Chairman Paulk speaks to the audience he leans around his laptop and thus away from his microphone.


Here's something we didn't know about Steve McQueen: He liked camping. We know it's true because his one-of-a-kind camper van hits the auction block Friday. A bit more macabre — it's the last vehicle he rode in before dying of cancer.
It's no secret that McQueen was fond of buying cars, bikes, trucks, and planes on a whim. According to his wife, Barbara Minty McQueen, he snagged this 1952 Chevrolet 3800 pickup camper conversion in exactly that way.
The Chevy has an inline-six mated to four-speed transmission and a one-off aluminum sleeper section, with a double-sided bed and plenty of storage. It isn't much to look at, but the real story is where it figures into McQueen's history.
The truck carried McQueen to the airport for a flight to Mexico for what proved to be his final surgery before dying of cancer. He shared the ride with the Rev. Billy Graham, who answered McQueen's questions about the afterlife as the two rode to Ventura County Airport on November 3, 1980. McQueen died four days later.
For a guy that owned both the green Porsche 911 and the Ford GT40 from his movie Le Mans, along with a Chrysler Imperial, Hudson Hornet, and a Willys Jeep, the Chevy camper fit in nicely with his eclectic tastes.


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From my book Finance and Financial Markets here is a copy of the timeline of event during the period 2007-2009
(copyright) Keith Pilbeam 2010
A time-line of major events during the Financial Crisis 2007-2009
► 27 February 2007 HSBC sacks two of its top chiefs due to large losses on subprime lending.
► 2 April 2007 New Century Financial, which specialized in subprime mortgages, files for Chapter 11 Bankruptcy and cuts half its workforce.
► 3 May 2007 UBS announce the closure of its Dillon Reed hedge fund following $125 million of subprime losses.
► 22 June Bear Stearns announces a $3.2 billion bailout of two of its hedge funds.
► June/July 2007 Rating agencies announce significant downgrades on some subprime mortgage backed securities previously rated AAA to A+.
► July 2007 Investment Bank Bear Stearns warns that two of its hedge funds are in major financial difficulties and that investors in the funds have lost most of their investment.
► 19 July 2007 Federal Reserve Chairman Ben Bernanke warns that losses in the subprime market could total $100 billion.
► 31 July 2007 Credit market turmoil – shares in American Home Mortgage Investment plummet 90 per cent after the US lender said it could no longer fund home loans. Australian Macquarie Bank announces that two of its fortress funds, which invest in securitized loans, could lose up to a quarter of their value, or more than A$300 million. MSCI Asia index excluding Japan falls 4%.
► 2 August 2007 German Bank IKB announces $12 billion in subprime exposure.
► 6 August 2007 American Home Mortgages, the 10th largest home lender in the US which specializes in prime or near prime mortgages, files for Chapter 11 bankruptcy.
► 9 August 2007 BNP Paribas warns investors that they will not be able to withdraw money from two of its funds due to a 'complete evaporation of liquidity' from the market. The ECB pumps €95 billion of liquidity into the markets, followed a few days later by a further €108.7 billion.
► 13 August 2007 Goldman Sachs injects $3 billion into one of its hedge funds which has been hit by falls in global equity markets.
► 16 August 2007 Countrywide Financial, America's largest mortgage provider, calls on $11.5 billion lifeline from 40 of the world's largest banks.
► 17 August 2007 The Federal Reserve cuts its Federal Funds rate from 6.25% to 5.75%, its first rate cut in 4 years
► 22 August 2007 Bank of America injects $2 billion of capital to rescue Countrywide Financial.
► 4 September 2007 (3-month) £LIBOR rises to 6.80% above the Bank of England's base rate of 5.75% as banks show increased reluctance to lend to each other on the interbank markets.
► 6 September 2007 The Federal Reserve provides $31.25 billion of loans to its banks and the ECB follows with €42 billion of liquidity for banks in the Eurozone area.
► 13 September 2007 It is revealed that the British bank Northern Rock has funding problems and is to be granted emergency support from the Bank of England.
► 14–16 September 2007 Worried depositors in Northern Rock cause the first run on a British bank since 1866 as they queue to withdraw their funds.
► 17 September 2007 The UK government guarantees all deposits in Northern Rock to end the bank run.
► 18 September 2007 The Federal Reserve cuts its Federal Funds rate from 5.25% to 4.75%. The Dow Jones index rises 2.51% on the news to 13,759.
► 19 September 2007 The Bank of England announces it will inject £10 billion into the money markets to try and reduce the £LIBOR 3-month rate.
► 1 October 2007 UBS announces $3.4 billion of losses from its subprime exposure. Citigroup announces losses of $3.1 billion.
► 5 October 2007 Merrill Lynch announces $5.6 billion of subprime losses.
► 15 October 2007 Citigroup announces a further $5.9 billion of losses from subprime and other exposures.
► 30 October 2007 Merrill Lynch announces $7.9 billion of losses and its Chief Executive Officer resigns.
► 1 November 2007 Credit Suisse announces a £1 billion write down on structured finance, mortgages and leveraged loan-related losses.
► 2 November 2007 Citigroup announces further losses of $8 to $11 billion and its Chairman/CEO Chuck Prince resigns.
► 7 November 2007 Morgan Stanley announces a $3.7 billion subprime-related write down.
► 13 November 2007 Bank of America announces a $3 billion write down.
► 15 November 2007 Barclays Bank announces a £1.3 billion write down.
► 20 November 2007 Freddie Mac announces a $2.2 billion quarterly loss after a $4.8 billion charge due to bad debts and write downs.
► 6 December 2007 President George W. Bush announces a plan to help more than 1 million homeowners facing foreclosure and the Bank of England cuts its base rate by 0.5%.
► 10 December 2007 UBS announces a $10 billion write down while Société Générale launches a $4.3 billion bailout of one of its SIVs.
► 12 December 2007 The Federal Reserve cuts the interest rate from 4.50% to 4.25%.
► 13 December 2007 The Federal Reserve, the European Central Bank, Bank of England, Swiss and Canadian central banks coordinate to offer a combined $110 billion of loans to troubled banks.
► 17 December 2007 A $20 billion injection is announced by the Federal Reserve
► 18 December 2007 The European Central Bank announces a $500 billion injection to see banks through the Christmas/New Year period.
► 19 December 2007 Standard & Poor's downgrades the credit rating of some monoline insurers which repay the bond holder if a bond issuer defaults. This increases concerns about future bank losses and the health of the financial system.
► 8 January 2008 Bear Stearns' Chief resigns.
► 11 January 2008 Bank of America buys Countrywide Financial for $4 billion.
► 14 January 2008 Citigroup announces $9.8 billion loss following $18.1 billion of write downs due to subprime exposure.
► 17 January 2008 Merrill Lynch announces a further write down of $14.1 billion of subprime losses.
► 21 January 2008 Global stockmarkets suffer their biggest fall since the 11 September 2001 terrorist attacks.
► 22 January 2008 The Federal Reserve cuts the Federal Fund rate by 0.75% to 3.5%, its biggest cut in 25 years.
► 30 January 2008 The Federal Reserve announces a 0.5% cut on Federal Funds rate from 3.5% to 3%.
► 31 January 2008 MBIA, a bond insurer, announces a quarterly loss of $2.3 billion due to subprime exposure.
► 7 February 2008 The Federal Reserve Chairman Ben
Bernanke expresses concern over monoline insurers. The Bank of England cuts it interest rate by 0.5% to 5.25%.
► 10 February 2008 Leaders from the G7 economies estimate losses from subprime mortgages at $400 billion.
► 17 February 2008 Bear Stearns, the fifth largest investment bank in the USA, is rescued through an acquisition by JP Morgan for a mere $240 million (one year earlier its market capitalization had been $18 billion) and the deal is backed by $30 billion of central bank loans. Northern Rock is nationalized by the UK government.
► 6 March 2008 Carlyle Group, a private equity firm, announces a $22 billion write down in its bond fund, Carlyle Capital Corporation.
► 16 March 2008 Bear Stearns is sold to JP Morgan for $240 million (less than 1% of its market valuation a month earlier) in an emergency takeover. As part of the deal the Federal Reserve agrees to underwrite $30 billion of Bear Stearn toxic subprime exposure.
► 1 April 2008 UBS Chief Marcel Ospel resigns following a £10 billion write off.
► 8 April 2008 IMF estimates that potential losses from the credit crunch could exceed $1 trillion.
► 14 April 2008 Wachovia announces $4.4 billion of write downs.
► 18 April 2008 Citigroup announces a further $15.2 billion write down and 9,000 job losses.
► 21 April 2008 Bank of England announces a new Special Liquidity System £50 billion swap facility scheme to aid banks.
► 22 April 2008 The Royal Bank of Scotland announces the biggest-ever rights issue in UK corporate history of £12 billion. It also announces £5.9 billion of write downs.
► 25 April 2008 UK housebuilder Persimmon announces major cutbacks.
► 29 April 2008 HBOS announces a £4 billion rights issue.
► 30 April 2008 The first fall in UK house prices year on year is announced by Nationwide and followed later in the week by Halifax's announcement of a 0.9% annual fall.
► 2 May 2008 The Federal Reserve and European Central Bank inject $82 billion into the money markets.
► 14 May 2008 Bradford & Bingley announces an emergency £300 million rights issue.
► 22 May 2008 UBS announces a $15.5 billion rights issue with its subprime losses having increased to $37 billion.
► 19 June 2008 Research shows that 190 hedge funds have been wound up in the previous 3 months.
► 25 June 2008 Barclays announces a £4.5 billion rights issue and sells a £1.7 billion stake in itself to the Qatar Investment Authority.
► 10 July 2008 Fannie Mae and Freddie Mac shares fall in value by 50% during the trading day.
► 11 July 2008 Indymac Bank is seized by the Federal Deposit Insurance Corporation following a run on the bank.
► 14 July 2008 The US authorities announce that they are stepping in to support Fannie Mae and Freddie Mac which have a combined $5.5 trillion of mortgage-related assets.
► 23 July 2008 President George W. Bush backs a plan to save Fannie Mae and Freddie Mac.
► 30 July 2008 Lloyds Bank announces £1.09 billion write down on structured finance holding and investments.
► 8 August 2008 Royal Bank of Scotland announcees a write off of £5.9 billion on assets affected by the credit crunch.
► 1–6 September 2008 Stockmarkets around the world have one of their worst weeks.
► 7 September 2008 The US government announces the biggest rescue in US corporate history as Fannie Mae and Freddie Mac are placed into 'conservatorship' (nationalization by any other name).
► 10 September 2008 Lehman Brothers announces a $3.9 billion loss for the quarter.
► 15 September 2008 Lehman Brothers files for Chapter 11 bankruptcy and Merrill Lynch agrees to be taken over by Bank of America for $50 billion.
► 16 September 2008 The US government announces an $85 billion rescue of the world's biggest insurer American International Group which had heavy losses in credit default swaps in return for an 80% stake in the company.
► 17 September 2008 Lloyds TSB announce a £12 billion takeover of Halifax Bank of Scotland (HBOS), the UK's largest mortgage provider. The regulatory authorities allow the takeover which would normally have been referred due to the combined group having close to a 1/3 share of the UK savings and loan market.
► 18 September 2008 The Federal Reserve announces a $180 billion increase in swap facilities with the European Central Bank, Swiss National Bank, Bank of England, Bank of Canada and Bank of Japan.
► 25 September 2008 Washington Mutual with assets of $307 billion is closed down by regulators (Office of Thrift Supervision) and sold off for $1.9 billion to JP Morgan following a run on its deposits, with $16.9 billion being withdrawn in the preceding 10 days.
► 28 September 2008 Fortis, a European Banking and Insurance group, is rescued through part-nationalization (49% stake) in return for a capital injection of €11.2 billion from the central banks of Belgium (€4.7 billion), Netherlands (€4 billion) and Luxembourg (€2.5 billion). The Bank had made major losses after taking a €24 billion stake in the Dutch bank ABN Amro, which had huge losses on its books from its subprime exposures. US law makers announce that they have agreed on a $700 billion bailout fund designed to purchase distressed assets from US banks.
► 29 September 2008 The Dow Jones index falls 770 points (its biggest ever points fall) or 7.7% following rejection of the proposed $700 billion bailout plan by Congress. Bradford & Bingley, a British mortgage provider, is nationalized. Its £50 billion of mortgage-loan book is taken over by the British government and its savings business sold to the Spanish bank Santander. Iceland's government takes a 75% controlling interest of its third largest bank, Glitner, with a €600 million capital injection.
► 30 September 2008 Dexia Bank is rescued by the Belgian, Dutch and French governments with a €6.4 billion package. The Irish government announces a decision to protect all Irish bank deposits for the next two years.
► 3 October 2008 The $700 billion bailout package is passed by the House of Representatives. The Financial Services Authority raises the limit on insured deposits from £35,000 to £50,000, which protects 98% of retail deposits.
► 6 October 2008 Germany announces a €50 billion rescue package of Hypo Real Estate, one of its biggest banks, and gives an unlimited guarantee on German bank deposits. A similar bank deposit guarantee is announced by the Danish government. Iceland announces a package to rescue its banking system.
► 7 October 2008 The Icelandic government takes control of its second largest bank, Landsbanki, which owns Icesave bank in the UK, causing concerns for UK depositors who have their accounts frozen.
► 8 October 2008 The UK government announces a £50 billion rescue of its banking system in return for preferred shares, along with £100 billion of lending support from the Bank of England and £250 billion of loan guarantees on interbank lending. The Federal Reserve, European Central Bank (ECB), Bank of England, and the central banks of Canada, Sweden and Switzerland make a coordinated 0.5% interest rate cut, making the Federal Funds rate 1.5%, the ECB rate 3.75%, and the UK base rate 4.5%.
► 10 October 2008 Large falls in stockmarkets in the UK, Germany and France of 7% to 9%, with Wall Street having fallen 20% in the preceding 10 days.
► 11 October 2008 Finance ministers from the G7 industrialized nations announce a five-point plan to unfreeze the credit markets, protect savers, provide liquidity, strengthen financial institutions and restore confidence by taking an appropriate regulatory response.
► 13 October 2008 The UK government announces a £37 billion package to inject capital into three of its biggest banks: Lloyds TSB, HBOS and the Royal Bank of Scotland.
► 14 October 2008 The US government announces a $250 billion programme to buy stakes in the form of preference shares in US banks and to insure newly issued debt by the banks on a temporary basis.
► 15 October 2008 The Dow Jones falls 733 points or 7.87%, its biggest one-day percentage fall since the stockmarket collapse of 26 October 1987.
► 30 October 2008 The Federal Reserve cuts the Federal Funds rate from 1.5% to 1%. European governments agree a €1 trillion facility to guarantee interbank lending in the Euro area.
► 6 November 2008 The International Monetary Fund (IMF) announces a $16.4 billion loan rescue package for Ukraine. The Bank of England cuts its base rate from 4.5% to 3%, the lowest level since 1955. The ECB also cuts its rate from 3.75% to 3.25%.
► 9 November 2008 China announces a $568 billion stimulus package for its economy.
► 12 November 2008 The USA abandons its plan to use the $700 billion to buy distressed assets from the banks and instead decides to concentrate the funds on improving the flow of consumer credit.
► 14 November 2008 G20 meeting of developed and developing nations discusses the financial crisis and longer-term reform issues.
► 20 November 2008 The IMF extends a $2.1 billion loan to Iceland following the collapse of its banking system
► 23 November 2008 The US government announces a $20 billion rescue package for Citigroup following a 60% collapse in its share price in the preceding week.
► 24 November 2008 The UK government announces a one-year cut in value added tax from 17.5% to 15% to stimulate consumer demand, as part of a £25.6 billion stimulus package equivalent to 1.1% of UK GDP.
► 25 November 2008 The US Federal Reserve announces it will inject a further $800 billion of support to the financial system: $600 billion to purchase mortgage backed securities (including $100 billion from Fannie Mae and Freddie Mac) and $200 billion to encourage consumer lending (by buying up securitized debt in credit cards, auto loans and credit card debt).
► 26 November 2008 The European Commission announces a coordinated €200 billion economic recovery plan financed by the member states and designed to stimulate the European economy with a targeted 1.2% fiscal stimulus.
► 4 December 2008 President Sarkozy announces a €25 billion package to stimulate public sector investment and loans to the French car industry.
► 11 December 2008 Bank of America announces 35,000 job losses. The Bank of England cuts its base rate from 3% to 2%, its lowest for 57 years. The ECB cuts it policy rate from 3.25% to 2.5%. Sweden cuts its policy rate from 3.75% to 2%.
► 16 December 2008 The Federal Reserve cuts its Federal Fund rate from 1% to a 0–0.25% target range, the lowest in its history.
► 19 December 2008 George W. Bush announces that $17.4 billion of the $700 billion TARP fund will be used to bail out the big three auto companies: Chrysler, General Motors and Ford.
► 29 December 2008 The US Treasury announces a $6 billion rescue package for General Motors Acceptance Corporation, the financing arm of General Motors.
► 8 January 2009 The Bank of England cuts its base rate to 1.5%, the lowest in its 315-year history.
► 9 January 2009 US jobless rate rises to 7.2%, its highest in 16 years.
► 12 January 2009 Angela Merkel announces a €50 billion stimulus package for the German economy including investment in railways, roads and schools, tax cuts and tax relief. China announces the largest drop in exports for a decade.
► 14 January 2009 The UK government announces £14 billion in loans to small and medium-sized businesses.
► 15 January 2009 The ECB cuts its key interest rate to 2%. The Irish government nationalizes Anglo Irish Bank.
► 16 January 2009 The US government lends $20 billion to Bank of America following losses from its takeover of Merrill Lynch.
► 19th January 2009 The UK government announces a further bailout of the UK banking system, with £50 billion being set aside for lending to large corporations and an Asset Protection Scheme to insure around £600 billion of toxic bank assets.
► 24 January 2009 President Obama announces an economic recovery package including expenditure on electricity power lines.
► 28 January 2009 The International Labour Office forecasts 51 million job losses worldwide as a result of the credit crunch.
► 2 February 2009 France announces a €33.1 billion economic stimulus package.
► 5 February 2009 The Bank of England cuts its base rate from 1.5% to 1%.
► 10 February 2009 US Treasury Secretary Tim Geithner announces that stress tests will be conducted on 19 of the largest US banks with assets over $100 billion each.
► 13 February 2009 Germany passes its €50 billion stimulus package.
► 17 February 2009 President Obama signs a $787 billion economic stimulus programme aimed at saving/creating 3.5 million jobs, calling it 'the most sweeping recovery package in our history'.
► 26 February 2009 The Royal Bank of Scotland announces its participation in the Asset Protection Scheme by insuring some £325 billion of its assets against future losses in return for a £6.5 billion premium to the government.
► 2 March 2009 AIG announces a $61.7 billion loss for the third quarter of 2008, the largest in US corporate history.
► 5 March 2009 The Bank of England reduces its base rate from 1% to 0.5% and announces a £75 billion policy of quantitative easing.
► 14 March 2009 The G20 meeting in London pledges a sustained effort to pull the global economy out of recession.
► 18 March 2009 The Federal Reserve announces it will buy approximately $1.2 trillion of debt in a bid to boost lending and economic recovery: $300 billion in Treasury purchases, $750 billion in mortgage backed securities and $100 billion in debt issue by Fannie Mae and Freddie Mac.
► 27 March 2009 Lloyds HBOS announces its participation in the Asset Protection Scheme by insuring some £260 billion of its assets against future losses in return for a £25.6 billion premium to the government.
► 2 April 2009 Meeting of the G20 in London pledges measures totalling $1.1 trillion to stave off recession in the global economy.
► 5 April 2009 Japan announces a $100 billion stimulus package.
► 22 April 2009 The IMF predicts financial losses from the credit crunch could total £4 trillion with $2.7 trillion of losses for banks and $1.3 trillion for other financial institutions.
► 7 May 2009 The Federal Reserve announces the results of its stress tests on 19 leading US banks. Ten out of the 19 banks are required to produce plans to raise $74.6 billion in capital by 8 June 2009 and complete the capital raising by November. The capital could be raised by issuance of new equity or asset sales. In the event of failing to raise the capital then the banks would receive funds from the Treasury in return for stakes in the companies.
► 8 May 2009 The ECB announces it is to engage in €60 billion of covered euro-denominated bonds and cuts its benchmark interest rate to 1%. The Bank of England announces a further £50 billion of quantitative easing for the five months from March 2009, bringing its total to £125 billion.
► 1 June 2009 The world's largest car maker, General Motors, goes into bankruptcy.
► 10 June 2009 Ten of the largest US banks announce they are able to repay the US government $68 billion of TARP money.
► 17 June 2009 The US Treasury announces plans for reform of the banking system, including higher capital requirements for large banks, regulation of securitized assets, consumer mortgage protection, powers to take over failing banks and global regulatory standards.
► 16 July 2009 Ben Bernanke talks about the 'exit strategy' of the Federal Reserve following its handling of the credit crunch.
► 6 August 2009 The Bank of England announces an increase in its quantitative easing policy from £125 billion to £175 billion.
► 25 August 2009 President Obama reinstates Ben Bernanke as Chairman of the Federal Reserve.
► 27 August 2009 FDIC announces the number of 'problem banks' has increased to 416 institutions with $300 billion of assets.
► 1 November 2009 CIT Group files for Chapter 11 bankruptcy wiping out the $2.8 billion stake taken out by the US government in December 2008.
► 5 November 2009 Fannie Mae reports net loss of $18.9 billion for Q3 2009, a total of $111 billion since Q3 2008.
► 2 December 2009 Bank of America announces it will buy back $45 billion of preferred stock issued to the US government under the TARP
► 14 December 2009 Wells Fargo and Citigroup announce they will buy back a combined $45 billion of preferred stock issued to the US government under the TARP


text:
Brett Dalton
একটি প্রশ্ন তৈরি করুন
Brett Dalton পপ ক্যুইজ
Showing brett dalton quiz questions (1-15 of 15)
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2015: Brett has
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2015: Who is Brett's girlfriend?
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When is Brett's birthday?
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What is the name of his character on "Nurses"?
What is the name of his character on the tv প্রদর্শনী "Army Wives"?
What is the name of his character on "Killing Lincoln"?
What is the name of his character on "Beside Still Waters "?
What is the name of his character on "1:00am Games"?
What is the name of his character on the tv প্রদর্শনী "Blue Bloods"?
What is the name of his character on "The Tourist"?
What is the name of his character on "Agents of Shield"?


Thin-rolled aluminum and aluminum alloys from Arnold Precision Thin Metals (PTM) are versatile and lightweight and are used in a variety of electrical products packaging and other applications. Aluminum is often the best solution when reduced weight, good conductivity, and high formability are desirable characteristics. To meet these needs, PTM offers its customers aluminum strip materials in a wide variety of thicknesses and alloy compositions.
Arnold PTM produces thin and ultra-thin strip in a wide range of aluminum grades in various tempers. The most common grades requested include 1050, 1100, 1145, 2024, 5052, 5056, 6061, and 7075, but we can source and roll all aluminum grades. Contact us to discuss your particular requirements.
The International Alloy Designation System's four-digit numbering scheme for wrought and cast alloys provides a quick reference for your application needs.
Essentially pure aluminum with a minimum 99% aluminum content by weight and can be work hardened.
Alloyed with copper, can be precipitation hardened to strengths comparable to steel. Formerly referred to as duralumin, they were once the most common aerospace alloys, but were susceptible to stress corrosion cracking and are increasingly replaced by 7000 series in new designs.
Alloyed with manganese and can be work hardened.
Alloyed with silicon. Also known as silumin.
Alloyed with magnesium and silicon, are easy to machine, and can be precipitation hardened, but not to the high strengths that the 2000 and 7000 series alloys can reach.
Alloyed with zinc, and can be precipitation hardened to the highest strengths of any aluminum alloy.
Alloyed with other elements which are not covered by other series. Aluminum-lithium alloys are an example.
Composition is shown in weight percent (wt%).


text:
Q: How to break an association arrow three times Look at this class diagram
\documentclass{article}
\usepackage{geometry}
\usepackage{graphicx}
\usepackage{amssymb}
\usepackage{amsmath}
\usepackage{amsthm}
\usepackage{empheq}
\usepackage{mdframed}
\usepackage{booktabs}
\usepackage{lipsum}
\usepackage{graphicx}
\usepackage{color}
\usepackage{psfrag}
\usepackage{pgfplots}
\usepackage{bm}
\usepackage{tikz}
\usepackage{tikz-uml}
\usetikzlibrary{positioning}

\begin{document}

\begin{figure}[h!]
\centering
\begin{tikzpicture}

    \umlclass[]{ApplicationController}
    {
        - application\_service: ApplicationService \\
        - issuer\_service: IssuerService \\
        - authorization\_handler: AuthorizationHandler \\
        - verification\_handler: VerificationHandler \\
        - did\_method\_handler: DidMethodHandler
    }
    {
        + handleApplicationReadRequest() \\
        + handleApplicationWrite()
    }

    \umlclass[below=0.8cm of ApplicationController]{ApplicationService}{}
    {
        + read() \\
        + write(data: str)
    }

    \umlclass[below=0.8cm of ApplicationService]{IssuerService}{}{}

    \umlclass[right=3.2cm of ApplicationController]{VerificationHandler}{}{}

    \umluniassoc[geometry=-|-, arm2=-5cm]{ApplicationController}{ApplicationService}
    \umluniassoc[geometry=-|-, arm2=-5cm]{ApplicationController}{IssuerService}

    \umlclass[below=1cm of VerificationHandler]{DidMethodHandler}{}{}

    \umlclass[below=1cm of DidMethodHandler]{AuthorizationHandler}{}{}

    \umlinterface[below=1cm of AuthorizationHandler]{SignatureVerificationStrategy}{}
    {
        + execute(p: ProofDTO, ...)
    }

    \umlclass[below=1cm of SignatureVerificationStrategy]{JwsVerificationStrategy}{}
    {
        + execute(p: JwsProofDTO, ...)
    }

    \umlimpl{JwsVerificationStrategy}{SignatureVerificationStrategy}

    \umluniassoc[geometry=-|-, arm1=3cm]{ApplicationController}{VerificationHandler}
    \umluniassoc[geometry=-|-, arm1=5cm]{ApplicationController}{DidMethodHandler}
    \umluniassoc[geometry=-|-, arm1=5cm]{ApplicationController}{AuthorizationHandler}
    \umluniassoc[geometry=-|-, arm1=5cm]{ApplicationController}{SignatureVerificationStrategy}

    \umlclass[below=0.8cm of IssuerService]{IssuerRepository}{}{}
    \umlclass[below=0.8cm of IssuerRepository]{CryptoMaterialRepository}{}{}

    \umluniassoc[geometry=-|-, arm2=4cm]{IssuerService}{IssuerRepository}

    \umluniassoc[geometry=-|-, arm1=3cm, arm2=-5cm]{VerificationHandler}{CryptoMaterialRepository}

\end{tikzpicture}
\end{figure}

\end{document}

I need the association between VerificationHandler and CryptoMaterialRepository to not go under the JwsVerificationStrategy class. I'm unable to break the arrow three times and I don't even know if it is possible using tikzuml

A: A tikz-uml diagram is a regular TikZ picture with a number of predefined UML styles for boxes and arrows. Apart from those styles you can also use standard TikZ drawing commands for situations where the predefined styles are not sufficient.
In this case you can draw a path using \path that goes around the JwsVerificationStrategy box. This can be done relatively easily using the calc tikzlibrary. This library introduces the syntax ($(node)+(x,y)$) that specifies the coordinate resulting from adding x,y to the node. Paths furthermore use line specifications -| and |- for horizontal, then vertical and vertical, then horizontal respectively.
Now the path is VerificationHandler horizontal vertical (JwsVerificationStrategy+right,down) horizontal (JwsVerificationStrategy+left,down) vertical horizontal CryptoMaterialRepository. In code:
\path[draw,-angle 45] (VerificationHandler) -| ($(JwsVerificationStrategy)+(3,-1.5)$) -- ($(JwsVerificationStrategy)+(-4,-1.5)$) |- (CryptoMaterialRepository);
Full MWE (note that I removed some unnecessary packages):
\documentclass{article}
\usepackage{tikz-uml}
\usepackage[left=1cm]{geometry}
\usetikzlibrary{calc,positioning}

\begin{document}

\begin{figure}[h!]
\centering
\begin{tikzpicture}

    \umlclass[]{ApplicationController}
    {
        - application\_service: ApplicationService \\
        - issuer\_service: IssuerService \\
        - authorization\_handler: AuthorizationHandler \\
        - verification\_handler: VerificationHandler \\
        - did\_method\_handler: DidMethodHandler
    }
    {
        + handleApplicationReadRequest() \\
        + handleApplicationWrite()
    }

    \umlclass[below=0.8cm of ApplicationController]{ApplicationService}{}
    {
        + read() \\
        + write(data: str)
    }

    \umlclass[below=0.8cm of ApplicationService]{IssuerService}{}{}

    \umlclass[right=3.2cm of ApplicationController]{VerificationHandler}{}{}

    \umluniassoc[geometry=-|-, arm2=-5cm]{ApplicationController}{ApplicationService}
    \umluniassoc[geometry=-|-, arm2=-5cm]{ApplicationController}{IssuerService}

    \umlclass[below=1cm of VerificationHandler]{DidMethodHandler}{}{}

    \umlclass[below=1cm of DidMethodHandler]{AuthorizationHandler}{}{}

    \umlinterface[below=1cm of AuthorizationHandler]{SignatureVerificationStrategy}{}
    {
        + execute(p: ProofDTO, ...)
    }

    \umlclass[below=1cm of SignatureVerificationStrategy]{JwsVerificationStrategy}{}
    {
        + execute(p: JwsProofDTO, ...)
    }

    \umlimpl{JwsVerificationStrategy}{SignatureVerificationStrategy}

    \umluniassoc[geometry=-|-, arm1=3cm]{ApplicationController}{VerificationHandler}
    \umluniassoc[geometry=-|-, arm1=5cm]{ApplicationController}{DidMethodHandler}
    \umluniassoc[geometry=-|-, arm1=5cm]{ApplicationController}{AuthorizationHandler}
    \umluniassoc[geometry=-|-, arm1=5cm]{ApplicationController}{SignatureVerificationStrategy}

    \umlclass[below=0.8cm of IssuerService]{IssuerRepository}{}{}
    \umlclass[below=0.8cm of IssuerRepository]{CryptoMaterialRepository}{}{}

    \umluniassoc[geometry=-|-, arm2=4cm]{IssuerService}{IssuerRepository}

    %\umluniassoc[geometry=-|-, arm1=3cm, arm2=-5cm]{VerificationHandler}{CryptoMaterialRepository}
    \path[draw,-angle 45] (VerificationHandler) -| ($(JwsVerificationStrategy)+(3,-1.5)$) -- ($(JwsVerificationStrategy)+(-4,-1.5)$) |- (CryptoMaterialRepository);

\end{tikzpicture}
\end{figure}

\end{document}

Result:

redpajama_set_name: RedPajamaStackExchange


text:
Atlantic League of Professional Baseball Clubs
#22 Koby Clemens - Profile
- Team - FREEDOM Lancaster Somerset Sugar Land York LIBERTY Bridgeport Camden L Island S Maryland
Stats Spray Chart
Birthday: Dec 4, 1986
Hometown: Houston , Texas
Clemens spent last year as Sugar Land's primary catcher. In 2013, the Houston native ranked fifth among Atlantic League hitters with 21 home runs and led the Skeeters with 60 RBI on the season.
In 2012, he made history by catching his father, seven-time Cy Young Award winner Roger Clemens, for one game (Sept. 7). The pair become the first father-son battery in professional baseball history.
In 2009, he hit .345 with 22 home runs and 121 RBI for the Lancaster JetHawks (Class A Advanced) of the California League while with the Astros organization.
Drafted by the Houston Astros in the eighth round of the June 2005 Draft out of Memorial High School (Houston), Clemens owns a career .259 (787x3040) average with 124 homers and 517 RBI over nine minor league seasons.
ALPB- 2014 Sugar Land Skeeters 30 105 10 20 3 0 1 6 10 36 0 .190
All Star Game 2013 Freedom Division 1 2 0 0 0 0 0 0 0 1 0 .000
Playoffs 2013 Sugar Land Skeeters 2 8 2 4 1 0 1 1 0 2 0 .500
ALPB- 2013 Sugar Land Skeeters 95 319 57 70 14 0 21 60 51 90 4 .219
ALPB- 2012 Sugar Land Skeeters 1 4 1 1 1 0 0 0 0 0 0 .250
Total 129 438 70 95 19 0 23 67 61 129 4 .217
Jun 21 @L Island L 1-2 3 0 0 0 0 0 0 0 1 0 0 0 0 0.261 0.248 0.190 0.509
Jun 19 @Lancaster W 5-1 4 0 0 0 0 0 0 0 1 0 0 0 0 0.268 0.255 0.196 0.523
Jun 16 S Maryland W 9-7 4 0 0 0 0 0 0 0 2 0 0 0 0 0.269 0.253 0.200 0.522
Jun 8 @York W 7-3 5 0 2 0 0 0 1 0 2 0 0 0 0 0.286 0.286 0.226 0.572
Jun 6 @York L 2-3 3 0 2 0 0 0 1 1 1 0 0 0 0 0.280 0.280 0.213 0.560
Jun 5 Bridgeport W 4-0 4 1 1 0 0 0 2 0 2 0 0 0 0 0.256 0.264 0.194 0.520
May 31 @Lancaster L 3-5 4 0 2 0 0 0 0 0 1 0 0 0 0 0.257 0.265 0.191 0.522
May 29 @Bridgeport W 7-6 4 0 0 0 0 0 0 0 2 0 0 0 0 0.243 0.250 0.172 0.493
May 27 @Bridgeport L 2-13 1 1 1 0 0 1 1 0 0 0 0 0 0 0.258 0.267 0.183 0.525
May 24 L Island W 3-2 4 1 1 0 0 0 0 0 0 0 0 0 0 0.246 0.203 0.169 0.449
May 21 York L 1-3 4 0 1 1 0 0 0 0 2 0 0 0 0 0.246 0.200 0.164 0.446
May 18 @Somerset L 3-8 4 0 0 0 0 0 0 0 1 0 0 0 0 0.226 0.149 0.128 0.375
May 17 @Somerset W 8-2 3 1 1 0 0 0 0 1 1 0 0 0 0 0.245 0.163 0.140 0.408
May 13 @S Maryland W 2-1 4 0 0 0 0 0 0 0 2 0 0 0 0 0.222 0.150 0.125 0.372
May 10 Somerset L 3-5 4 1 1 0 0 0 0 0 1 0 0 0 0 0.244 0.167 0.139 0.411
May 9 Somerset L 0-4 2 0 0 0 0 0 0 1 1 0 0 0 0 0.243 0.156 0.125 0.399
May 6 Somerset W 4-2 3 1 1 0 0 0 0 0 1 0 0 0 0 0.267 0.192 0.154 0.459
May 4 @Camden L 3-10 4 0 0 0 0 0 0 0 0 0 0 0 0 0.259 0.174 0.130 0.433
May 3 @Camden W 13-6 3 0 1 0 0 0 1 2 1 0 0 0 0 0.304 0.211 0.158 0.515
May 2 @Camden W 3-1 4 1 1 1 0 0 0 0 3 0 0 0 0 0.222 0.188 0.125 0.410
May 1 @Bridgeport L 1-2 3 0 0 0 0 0 0 0 1 0 0 0 0 0.214 0.083 0.083 0.297
Apr 27 Lancaster W 3-1 2 0 0 0 0 0 0 2 1 0 0 0 0 0.273 0.111 0.111 0.384
Apr 26 Lancaster L 3-10 4 0 0 0 0 0 0 0 1 0 0 0 0 0.143 0.143 0.143 0.286
Apr 24 Lancaster L 0-4 3 0 1 0 0 0 0 0 1 0 0 0 0 0.333 0.333 0.333 0.666
Sep 20 @Somerset L 4-5 4 1 3 1 0 0 0 0 0 0 0 0 0 0.500 1.000 0.500 1.500
Sep 18 Somerset L 2-3 4 1 1 0 0 1 1 0 2 0 0 0 0 0.250 1.000 0.250 1.250
Sep 13 York W 4-3 3 1 1 0 0 0 0 0 1 0 0 0 0 0.336 0.461 0.219 0.797
Sep 11 York L 4-8 3 1 0 0 0 0 0 1 1 0 0 0 0 0.336 0.462 0.218 0.798
Sep 7 @L Island W 5-3 4 0 1 0 0 0 0 1 0 0 0 0 0 0.338 0.469 0.220 0.807
Sep 4 @Bridgeport L 12-13 4 1 0 0 0 0 0 1 1 0 0 0 0 0.338 0.477 0.222 0.815
Sep 1 @Camden L 2-6 4 1 2 0 0 0 0 0 1 0 0 0 0 0.340 0.483 0.225 0.823
Aug 31 @Camden W 5-1 4 1 1 1 0 0 0 0 0 0 0 0 0 0.338 0.483 0.221 0.821
Aug 25 Camden W 6-5 2 0 0 0 0 0 0 2 0 0 0 0 0 0.340 0.483 0.220 0.823
Aug 22 Camden W 10-1 3 1 1 0 0 0 0 2 0 0 0 0 0 0.336 0.488 0.221 0.824
Aug 21 @S Maryland W 9-1 5 0 1 1 0 0 1 0 1 0 0 0 0 0.332 0.489 0.219 0.821
Aug 20 @S Maryland L 1-5 4 0 0 0 0 0 0 0 0 0 0 0 0 0.334 0.491 0.220 0.825
Aug 18 @Somerset W 3-1 3 1 2 0 0 1 1 2 1 0 0 0 0 0.339 0.498 0.223 0.837
Aug 17 @Somerset L 4-5 4 0 0 0 0 0 0 0 3 0 0 0 0 0.331 0.485 0.218 0.816
Aug 14 L Island W 10-2 3 0 1 0 0 0 1 0 0 0 1 0 0 0.340 0.500 0.225 0.840
Aug 13 L Island W 8-5 4 2 3 1 0 1 3 0 1 0 0 0 0 0.341 0.502 0.224 0.843
Aug 7 @Camden L 2-3 0 0 0 0 0 0 0 0 0 0 0 0 0 0.339 0.471 0.217 0.810
Aug 6 @Camden W 5-3 4 0 0 0 0 0 0 0 2 0 0 0 0 0.339 0.471 0.217 0.810
Aug 4 @Bridgeport W 6-5 3 0 0 0 0 0 0 1 0 0 0 0 0 0.344 0.479 0.220 0.823
Aug 1 Lancaster L 5-7 4 1 2 0 0 1 1 1 0 0 0 0 0 0.339 0.470 0.217 0.809
Jul 29 Lancaster L 7-10 3 0 0 0 0 0 0 1 1 0 0 0 0 0.335 0.456 0.212 0.791
Jul 27 @York W 11-8 4 0 1 0 0 0 0 2 2 0 0 0 0 0.336 0.462 0.215 0.798
Jul 26 @York W 7-3 4 1 2 0 0 1 1 0 2 0 0 0 0 0.332 0.466 0.215 0.798
Jul 25 @York L 2-3 3 0 2 1 0 0 0 0 0 0 0 0 0 0.329 0.451 0.209 0.780
Jul 23 @Lancaster L 4-5 1 1 0 0 0 0 0 3 1 0 0 0 0 0.325 0.443 0.203 0.768
Jul 22 @Lancaster W 8-7 3 2 1 0 0 0 1 0 0 1 0 0 1 0.319 0.445 0.204 0.764
Jul 20 Bridgeport W 4-2 4 0 0 0 0 0 0 0 3 0 0 0 0 0.316 0.447 0.202 0.763
Jul 16 Somerset L 0-4 3 0 0 0 0 0 0 1 1 0 0 0 0 0.326 0.465 0.210 0.791
Jul 14 Somerset W 3-0 3 0 0 0 0 0 1 0 1 0 0 0 0 0.328 0.472 0.213 0.800
Jul 12 Somerset W 10-9 3 1 2 1 0 1 1 1 0 0 0 0 0 0.332 0.479 0.216 0.811
Jul 10 @Liberty W 2-1 2 0 0 0 0 0 0 0 1 0 0 0 0 0.000 0.000 0.000 0.000
Jul 5 @S Maryland W 2-0 2 0 0 0 0 0 0 0 1 0 0 0 0 0.325 0.455 0.209 0.780
Jul 4 @Lancaster W 8-1 4 1 1 1 0 0 3 1 1 0 0 0 0 0.327 0.460 0.212 0.787
Jun 29 S Maryland L 2-8 3 0 0 0 0 0 0 1 1 0 0 0 0 0.325 0.452 0.209 0.777
Jun 27 York W 12-11 5 2 2 0 0 1 4 0 0 0 0 0 0 0.320 0.424 0.206 0.744
Jun 26 York L 1-4 2 0 0 0 0 0 0 0 1 0 0 0 0 0.318 0.406 0.200 0.724
Jun 25 York W 12-6 4 1 1 1 0 0 0 0 1 0 0 0 0 0.321 0.411 0.202 0.732
Jun 24 York W 3-0 2 1 1 0 0 0 0 1 1 0 0 0 0 0.323 0.409 0.201 0.732
Jun 23 @L Island W 8-4 4 1 1 1 0 0 0 0 2 1 0 0 0 0.317 0.408 0.197 0.725
Jun 20 @Bridgeport L 3-4 4 0 0 0 0 0 0 0 0 0 0 0 0 0.311 0.396 0.188 0.707
Jun 19 @Bridgeport W 6-3 3 1 1 0 0 0 0 0 0 0 0 0 0 0.318 0.407 0.193 0.725
Jun 16 Camden W 5-2 4 0 0 0 0 0 0 0 4 0 0 0 0 0.315 0.417 0.194 0.732
Jun 14 Camden L 3-4 4 1 1 0 0 0 0 1 1 0 0 0 0 0.313 0.433 0.201 0.746
Jun 9 @Somerset W 6-3 4 1 1 0 0 1 2 0 1 0 0 0 0 0.320 0.459 0.205 0.779
Jun 8 @Somerset L 1-2 2 0 0 0 0 0 0 1 1 0 0 0 0 0.322 0.441 0.203 0.763
Jun 3 Somerset W 4-2 4 1 1 0 0 1 2 0 2 0 0 0 0 0.318 0.459 0.202 0.777
Jun 2 Somerset L 4-7 2 0 0 0 0 0 1 1 1 0 1 0 0 0.320 0.438 0.200 0.758
May 30 S Maryland W 3-2 2 1 1 0 0 0 0 1 0 0 0 1 0 0.333 0.465 0.212 0.798
May 29 S Maryland L 2-4 4 0 2 0 0 0 0 0 1 0 0 0 0 0.325 0.464 0.206 0.789
May 21 @York W 6-5 4 1 1 0 0 0 0 1 2 0 0 0 0 0.327 0.494 0.205 0.821
May 19 Bridgeport W 2-1 2 1 1 0 0 0 0 2 1 0 0 0 0 0.323 0.506 0.203 0.829
May 16 Bridgeport L 1-7 3 0 0 0 0 0 0 1 1 0 0 0 0 0.304 0.506 0.195 0.810
May 13 @Camden W 8-1 4 0 0 0 0 0 0 1 1 0 0 0 0 0.321 0.557 0.214 0.878
May 11 @Camden W 10-4 3 1 0 0 0 0 0 2 0 0 0 1 0 0.329 0.591 0.227 0.920
May 9 @S Maryland W 5-1 4 1 2 0 0 1 2 1 2 0 0 0 0 0.333 0.603 0.241 0.936
May 8 @S Maryland W 10-2 3 1 2 1 0 0 2 1 0 0 1 0 0 0.313 0.556 0.222 0.869
May 7 @S Maryland L 6-7 4 2 1 0 0 1 2 0 0 1 0 0 0 0.288 0.529 0.196 0.817
May 5 Lancaster W 10-1 3 2 1 0 0 0 1 1 1 0 0 0 0 0.278 0.489 0.191 0.767
May 1 Lancaster W 5-0 4 1 1 1 0 0 0 0 1 0 0 0 0 0.261 0.500 0.175 0.761
Apr 28 @L Island W 12-3 5 0 0 0 0 0 0 0 3 0 0 0 0 0.242 0.464 0.143 0.706
Apr 27 @L Island W 7-1 3 2 1 0 0 1 3 2 1 0 0 1 0 0.286 0.565 0.174 0.851
Apr 26 @L Island L 5-10 3 0 0 0 0 0 0 1 2 0 0 0 0 0.217 0.450 0.150 0.667
Apr 25 @Somerset L 1-3 3 0 0 0 0 0 0 1 0 0 0 0 0 0.211 0.529 0.176 0.740
Apr 23 @Somerset W 7-2 3 0 0 0 0 0 1 0 2 0 1 0 0 0.200 0.643 0.214 0.843
Apr 21 L Island W 2-1 3 1 1 0 0 1 2 0 2 0 0 0 0 0.273 0.818 0.273 1.091
Sep 7 L Island W 4-0 4 1 1 1 0 0 0 0 0 0 0 0 0 0.250 0.500 0.250 0.750


text:
Joseph Zhinin|December 17, 2018
In November, 2018, Julia Roach, a senior at Peekskill High School, was recruited to play Division I sports at Syracuse University. To recognize this great accomplishment, a signing ceremony was conducted in our newly-designed auditorium at Peekskill High School.
A few of Julia's friends from school shared kind words, introducing her as a hard-working student. One friend, Jackie added that she was happy to see how Julia's "hard work finally paid off." She also commented that "Julia has wanted this for a long time."
Another friend, Ilsa said, "I can tell that Julia is very committed with everything she does, especially with rowing." She commented on Julia's "brilliant" and "inspiring" passion, which motivates all of her friends.
During the ceremony, Julia signed her letter of intent in order to show her commitment to the sport of rowing at Syracuse University. Julia also thanked everyone who attended to support her, including Dr. Mauricio, Mr. Arthur, coaches, faculty, friends, and her Mom. Significantly, she said her Mom has been her greatest inspiration. Julia said, "If I didn't have [my mom], I wouldn't have had the joy for this sport and wouldn't have gone to this deeper level."
Her mom spoke of how important "faith" has been to her, and she hopes she has passed that same faith onto Julia. In addition, she spoke of the importance of the grit she learned from her father, who showed how you need to be "so stubborn and passionate for what you love so that you cannot live without it." She hopes that this, too, has been passed onto her daughter, Julia.
One Pint; Three Lives
This Duo Might Be Trouble, and Not In A Good Way
Boys & Girls Soccer Teams Give Their All; End Season Strong
The Importance of the PSAT's


My Reno. I am so sorry I couldn't save you. This all came on so suddenly and we are heartbroken over losing you. Thank you for 5 fun filled years. There were no signs of your cancer until it was too late. Your energetic spirit hid any pain you were feeling. We always joked you had doggy A.D.D. You were my special boy!!
We are so sad to not share life with you. Daddy will be home from his deployment to Afghanistan in a few months and homecoming will not be the same without you greeting him at the door. Daddy is so sorry he couldn't be here for your passing. We love you Reno, we always will… I will never know if I made the right decision, and will regret making the decision forever. You'll always be my Reno Beano... Forever a part of our family.
What a beautiful guy you had... I know the heartwrenching thoughts when we must hasten a departure, but you did your best. It is only grieving that creates these thoughts, not what happened. I have lost 2, the last in Nov 09. It takes a very long time. My prayers are with you for healing.
I recently went through a similiar situation, and i too questioned my decision. Just trust in the fact that your love made the decision. You can always second guess yourself but love sees no wrong.
I am so sorry, I know it is not an easy decision. We hadto come to the same decision when our baby boy or 5 had his last cluster seizure that lasted 5 hours and left him camatose. He and we had been suffering for 3 years because of the epilepsy. We treid everthing for 5 years, and there are times I thought" but what if I did this, or that, or maybe something else". like someone else said to you, I say the same to you and myslelf, we did the best we vcould. we loved them, and we tried. We couldn't let them continue to suffer.
I pray Gods helaing over your heart and mind.


Remember all the hype about 9 years ago when our clocks rolled from 1999 over to 2000, and how the worlds information systems were supposed to come to a crashing halt, and the planet as we know it would essentially self destruct? Do you remember what happened? No? Probably because nothing happened.
Sure big corporations had to spend a lot of money on programming to fix the issue, but in those few short years leading up to the new millennium, the issue was fixed, and the average person would have had no idea that there was an issue in the first place.
Well, we are at that point again, or will be, in just a few short decades. Based on current programming practices at precisely 3:14:07 on Jan 19, 2038, all of our computer systems will crash and man kind will be sent in to a world where no computer will operate correctly.
Some people are a little bit worried about this problem, but as for me, I am convinced that in the next 29 years, programmers will have this dilemma solved.
While I have some programming experience, I am far from a programmer. The majority of readers of this blog are also not likely to be programmers, so I will try and explain this as simply as possible – in point form.
The modern 32 bit computer (most likely what you are using right now) stores "signed integer" data types in 32 bits.
By default it will revert to the value of "time_t" to -2,147,483,648, which represents Dec 13, 1901 at 8:45:52 PM.
Having computers suddenly jump about 120 years into the past would have catastrophic results on the majority of systems out there. To fix the problem on any 32 bit system represents a huge dilemma and programmers just don't know how to fix this.
One fix to the problem is with the use of a 64 bit system. While they are not common place at the moment, 64 bit systems are out there.
My assumption is that we will see 64 bit systems as main stream well within our 29 year time span to get this problem fixed. I will be VERY surprised if there are even any 32 bit systems still operational in business in 30 years from now.
The old Commodore PET, the Tandy, and the Apple II were 8 bit systems. When was the last time you saw one of these? Last time I saw a Commodore I was in Elementary School. They were popular back in the 80's.
If we can go from 8 bits to 32 bits in 20 years, I am sure that we can go from 32 bits to 64 bits in that same time frame or less). I suspect that we will be in a 64 bit world far sooner than that.
I learnt of this issue at WebProNews, and they cited an article here: http://home.netcom.com/~rogermw/Y2038.html. This page is currently over quota on their hosting account, so feel free to check it out in Googles Cache here.