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Darkest Dungeon Best Quirks for Every Hero
Updated: 10 Jul 2019 6:08 am
Assemble your team of heroes to fight what lurks in the Abyss
BY: Benjamin Bates
1. Abomination
The Abomination is a hero tortured by what he has done in his moments of weakness. He has multiple abilities and will deal good stun and blight damage in the second and third position while also being able to destress and heal himself. His secret is that he can transform into a werewolf-like creature and will deal good damage in the first position but also stress your entire party when transforming.
Best Quirk: Hot to Trot - +25% Dmg, +20 Acc, +5% Crit on the First Round
Hot to Trot is definitely my favorite Quirk in the game. The abomination is able to make this quirk useful because he can either do a guaranteed hurtful stun or can deal some blight which would have a good chance to get a nice Crit.
Second Best Quirk: Warrior of Light +10% Dmg if the torch is above 75
Warrior of light is useful for just about any class honestly; however, since the Abomination doesn't deal much damage traditionally, Warrior of Light is nice to make him a little bit deadlier.
2. Antiquarian
If you are looking for a fighter; then, you will have to search somewhere else. While not being a strong hero, the Antiquarian has been attracted by the promise of treasure. If you are in a tight spot for money, she will find you items; though, you should keep her in the back positions. She possesses some minor healing and buff skills and can force others to guard her.
Best Quirk: Evasive - +5 Dodge
I don't know many people who enjoy the Antiquarian. If you are one of "those" people, I assume you'd want her survivability to be good. Increasing her dodge helps her survivability which in turn helps her stay around long enough to give out some buffs.
Second Best Quirk: Quick Reflexes +2 SPD
Useful for just about anyone, Quick Reflexes also can help the Antiquarian. She generally will issue out a series of small buffs to her allies, and it is good to give them these buffs before they activate or get attacked.
3. Arbalest
The Arbalest is useful in the third or fourth position and deals a good amount of damage while also being able to heal if need be. She can mark enemies or suppress them and make them less accurate. A good hero as either a damage dealer or support - whichever way you prefer.
Best Quirk: Eagle Eye - +5% Crit to ranged skills
The Arbalest is generally using her crossbow, and as you can imagine, that means shooting her crossbow with a ranged attack. Eagle Eye allows her to be a more devastating damage dealer.
Second Best Quirk: Unerring - +10% Dmg to ranged skills
Like Eagle Eye, this quirk is useful to the Arbalest since she only uses her ranged skills. Increasing her damage output makes her go from dealing good damage to dealing good kills.
4. Bounty Hunter
Like a lot of other heroes, this particular one is always on the lookout for someone to stalk down. He will be effective in all the positions if you choose the right skills. He can stun, move, and mark single targets. He gets bonuses for hitting human enemies as well as the ability to debuff enemies for them to take more damage which means he is great to bring as a secondary damage dealer.
Best Quirk: Mankind Hater: +15% Dmg and -15% Stress vs Human
Seeing as Collect Bounty gives you bonus damage to humans, you will probably want to bring this lovely man along when killing some. Having this buff can easily be the difference between injuring an enemy heavily and a killing blow.
Second Best Quirk: Precise Striker - +5% Crit Melee skills
Perhaps you've seen the devastating blows this bounty hunter can deal when an enemy is marked. Imagine if the Bounty Hunter got crits more often. Well, now you don't have to if you are lucky enough to get Precise Striker.
5. Crusader
The Crusader fights for righteousness and his god. A classic tank who is only really good in the first two positions, but can use his Holy Lance to push himself forward.. He has some minor healing abilities which will get rid of stress or deal a minor amount of healing but you shouldn't depend on those.
Best Quirk: Hard Skinned - +10% Protection
Especially getting this quirk in the beginning of the game can help - and not just for the crusader. This a great quirk for tanks and helps make your heroes survive through more fights. The Protection naturally gets higher with better gear but this is a very nice quirk regardless.
Second Best Quirk: Resilient - +10% Stress Heal Received
The Crusader has an ability that gets rid of a small amount of stress. If your front line stresses out or doesn't become virtuous; then, you won't have tanks defending your support heroes. If you can manage your stress level before it becomes an emergency, you will be safer.
6. Grave Robber
As the name implies, the grave robber isn't here to make friends. She is an exceptional hero who can do huge amounts of damage and save the day with her blight ability and 'Pick to the Face' which goes through the protection of enemies. Use her in the second or third position to maximize her usefulness.
Best Quirk: Natural - +20% MAX HP, +20% Healing Received and +3 SPD while wearing no trinkets
The Graverobber has some great trinkets; yet, she doesn't need them. She has high dodge and great speed already; so, this only gives her a boost to her already good stats.
Second Best Quirk: On Guard - +4 SPD and +5 DODGE on the first round
Like mentioned before, the Grave Robber is quick naturally. This guarantees her to be able to attack first and also increases her dodge throughout the first round.
7. Hellion
The Hellion is my personal favorite. She is the best in the first position although she doesn't have the most hitpoints. What she lacks in health she makes up in damage; however, her best abilities come at a price. Overconfidence may be a slow and insidious killer, but she has every right to be.
Best Quirk: Slugger - +10% damage melee skills
The Hellion is one of the best damage dealers. Giving her extra damage can really hurt even the biggest bosses or enemies.
Second Best Quirk: Deadly - +2% Crit
She already has a good Crit chance naturally, but giving her deadly is especially useful. It is always a beautiful sight to see an enemy get hit by a Crit in the first round.
8. Highwayman
Highwayman is one of your first two Hero classes. He will be useful in any position with both ranged and melee damage. His survivability is a little lackluster but he is a great character if you need him. Preferably use him either stationary in the second position or move him around with Duelists Advance and Point Blank Shot.
Best Quirk: Though - +10% MAX HP
The Highwayman has just a little less survivability then he should have. This quirk takes care of that problem.
Second Best Quirk: Natural Swing - +5 ACC
Especially with his pistol, the Highwayman misses often due to his bad accuracy. This quirk is great if you use ranged abilities a lot.
9. Houndmaster
The Houndmaster is a great Hero for the Warren and Weald as he relies on bleed damage. He is also able to lower protection with one of his abilities and get a powerful buff by using dog treats; so, he is a great hero against bosses who are susceptible to bleed attacks. Additionally, he can heal and destress himself for self preservation.
Best Quirk: Luminous - +2 SPD, +5 DODGE
The Houndmaster can increase his dodge if he guards other people, and having this ability will make him faster and more effective at dodging attacks.
Second Best Quirk: Weald Tacticians - +15% damage in the Weald
Because the Houndmaster relies heavily on his ability to bleed enemies, this skill would be very useful in the locations that he is frequently used in.
10. Jester
The Jester isn't a beginner class. He has a mixture of support and damage abilities and takes some skill to use correctly. He will move himself back and forth and should only be used in a versatile team. He can increase his dodge and move to the front where he uses Finale to do massive damage but takes a heavy debuff for the duration of the battle. If you don't like that, use him in the second or third position to do a good amount of bleed damage and destress teammates.
Best Quirk: Night Owl - +2 SPD if torch is below 26
Some people like taking risks, and when you look at the Jester's many trinkets, you will realize the Jester likes taking risks too. He gets bonuses from these trinkets when it is dark, and having Night Owl would be the icing on the cake
Second Best Quirk: Lurker - +10% damage if torch is below 26
Like Night Owl, Lurker is an additional bonus to the Jester. Instead of increasing speed, it increases damage which makes your Finale ability more, uh, final (that pun was a stretch).
11. Leper
The Leper is arguably the best tank at your disposal. Dealing high amounts of damage, he can take almost anything that enemies attack him with. He is lacking in accuracy, but if you have good quirks and trinkets, you can negate those effects. The Leper can only be used in the first and second position.
Best Quirk: Fairweather Fighter - +20% DMG if HP above 99%
Honestly a lot of heroes deserve this quirk. The Leper is one of the people who can make the most of it. His healing ability paired with a good healer will help him stay at 100% health for the most part; therefore, the 20% damage are stacked on top of his already good abilities.
Second Best Quirk: Fated - Chance to turn any MISS into a HIT
Because of his low accuracy, this can change the outcome of a battle. The Leper deals high damage already, and the less he misses, the faster you can kill your enemies.
12. Man-at-Arms
The Man-at-Arms is a dependable protector for your heroes with less survivability. He is able to buff your entire party while dealing average amounts of damage and reduce the stress other party members take. You should only use him in the first two positions, but I've seen some cheeky party set-ups that put him in the back.
Best Quirk: Tough - +10% Max HP
Tough is another quirk useful for many hero types. It also happens to be useful for the Man-at-arms as he has a habit of guarding people to take their damage.
Second Best Quirk: Quickdraw - +4 SPD on First Round
As previously stated, the Man-at-arms can many times be a great asset to a team when guarding. Quickdraw allows you to use his set-up move before the going gets too rough.
13. Occultist
The Occultist is a support healer who is a gamble. He can debuff enemies and deal damage to the back. His healing ability is a little unreliable though. The occultist has a chance to bleed you and also to do a Zero heal. If you get both at the same time, it might turn you sour. Only useful in the third or fourth position.
Best Quirk: Hippocratic - +20% Healing Skills
Obviously for any Healer, this is a great skill, especially the Occultist who can give extraordinary amounts of healing with this quirk.
Second Best Quirk: Eldritch Slayer - +10 ACC and +5% crit against Eldritch
The Occultist already has buffs against eldritch monsters; however, this gives him the extra boost he needs to be able to hit them well.
14. Plague Doctor
Although you may not expect it, this doctor is a female and she is a great support class. She can blight the back and front positions if need be, do minor heals, and cure bleed and blight. Additionally she can stun and clear corpses and has a knife to make enemies bleed. She is best positioned in the back.
Best Quirk: Natural Eye - +5 ACC ranged skills
The Plague Doctor relies on the Plague Grenade and other ranged skills to deal damage over time. Increasing the accuracy for those only help your Hero to be better in combat.
Second Best Quirk: Unholy Slayer - +15% Damage and -10% stress against Unholy
The Plague Doctor will be taking a lot of trips to the Ruins and Cove. Both of these places will have Unholy enemy types and this will give you an edge to get through fights fast.
15. Vestal
The Vestal is a faithful healer. She won't let you down and also is the only person who can do group heals. As a healer, she should only be used in the back although she has combat abilities as well if you put her in the front. The only negative is that she isn't very fast.
Best Quirk: Early Riser - +2 SPD if Torch above 75
The Vestal suffers from being very slow and usually going last in your party. As long as you bring enough torches, this quirk will make her faster and able to attack or heal before some of the enemies go.
Second Best Quirk: Steady - -10% Stress
It may not seem like a lot, but a healer is the backbone of your party; so, if they stress out or get a heart attack, you will be dead very fast. The less she gets stressed the better.
16. Flagellant
The first addition through DLC is the flagellant. He excels under the most difficult conditions; the lower his health is and the more stressed he gets, the better his abilities. Some of them even don't work at full health.
Best Quirk: Last Gasp - +1 SPD if HP is below 50%
It is odd for a fighter to enjoy pain, but the Flagellant seems to make it work. He doesn't have much dodge and is liable to take damage. When that happens, his HP falls and he will need to go faster than the enemy to heal; hence, last gasp is especially useful for him.
Second Best Quirk: Stress Faster - -100% Food consumed is stress above 50
The Flagellant works better if he is stressed or damaged and he can even increase his stress with a camping ability. If you are short on food, you might consider using that.
17. Shieldbreaker
A beautiful class that will dance from one position to the other, deal huge blight damage, destealth enemies, and breaks through guard and armor. She is a very powerful hero but comes with a price if you camp with her. You will have to fight in one of her dreams and she will get stressed heavily. The Shieldbreaker is able to fight in any position as she moves around; so, only take people in her party that is not restricted by her movements.
Best Quirk: Photomania - -20% stress if Torch is above 75
Through the unavoidable fight in the camp with her, the Shieldbreaker will stress a lot and torchlight doesn't affect that. So if she doesn't get stressed as much in the normal battles, you can take a load off your shoulders.
Second Best Quirk: Cove Tactician - +15% Damage in the Cove
The enemies in the Cove have low resistance to blight attacks, which means you will be taking the Shieldbreaker with you a lot. The extra damage only makes her more deadly.
Darkest Dungeon |
Benjamin Bates
It is said that Ben was born with a controller in his hand. From his humble beginnings, he killed Darth Malak and defeated the Balrog. He loves to tell his stories through his writing.
Gamer Since: 2004
Favorite Genre: RPG
Currently Playing: Dishonored
Top 3 Favorite Games:Middle-Earth: Shadow of Mordor, Mount & Blade, The Talos Principle: Road To Gehenna
Has this ever happend to you? It might have several reasons but one could be that you just don't utilize your good quirks enough.
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Late stages of epidemiological transition : health status in the developed world
Matthew SMALLMAN-RAYNOR, David Rosser PHILLIPS
Drawing on the example of twentieth century Europe, this paper examines themes in the spatial development of the late stages of epidemiological transition in developed countries. A preliminary analysis of mortality trends for sample countries in four European regions (north, Scandinavia, south and east) suggests that, as the epidemiological transition progressed to its later stages during the period 1901–1975, spatial variability in the importance of classical infectious diseases increased. This trend was countered by a spatial convergence in the importance of disease groupings that typify late transition. An apparently new epidemiological phase in late transition, linked to the emergence and re-emergence of infectious and parasitic diseases, is illustrated with reference to tuberculosis and the acquired immunodeficiency syndrome (AIDS).
Health and Place
Fingerprint Dive into the research topics of 'Late stages of epidemiological transition : health status in the developed world'. Together they form a unique fingerprint.
contagious disease Social Sciences
health status Social Sciences
Health Status Medicine & Life Sciences
Communicable Diseases Medicine & Life Sciences
Scandinavian and Nordic Countries Medicine & Life Sciences
Parasitic Diseases Medicine & Life Sciences
Developed Countries Medicine & Life Sciences
Immunodeficiency Syndrome Social Sciences
SMALLMAN-RAYNOR, M., & PHILLIPS, D. R. (1999). Late stages of epidemiological transition : health status in the developed world. Health and Place, 4(3), 209-222. https://doi.org/10.1016/S1353-8292(99)00010-6
SMALLMAN-RAYNOR, Matthew ; PHILLIPS, David Rosser. / Late stages of epidemiological transition : health status in the developed world. In: Health and Place. 1999 ; Vol. 4, No. 3. pp. 209-222.
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title = "Late stages of epidemiological transition : health status in the developed world",
abstract = "Drawing on the example of twentieth century Europe, this paper examines themes in the spatial development of the late stages of epidemiological transition in developed countries. A preliminary analysis of mortality trends for sample countries in four European regions (north, Scandinavia, south and east) suggests that, as the epidemiological transition progressed to its later stages during the period 1901–1975, spatial variability in the importance of classical infectious diseases increased. This trend was countered by a spatial convergence in the importance of disease groupings that typify late transition. An apparently new epidemiological phase in late transition, linked to the emergence and re-emergence of infectious and parasitic diseases, is illustrated with reference to tuberculosis and the acquired immunodeficiency syndrome (AIDS).",
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SMALLMAN-RAYNOR, M & PHILLIPS, DR 1999, 'Late stages of epidemiological transition : health status in the developed world', Health and Place, vol. 4, no. 3, pp. 209-222. https://doi.org/10.1016/S1353-8292(99)00010-6
Late stages of epidemiological transition : health status in the developed world. / SMALLMAN-RAYNOR, Matthew; PHILLIPS, David Rosser.
In: Health and Place, Vol. 4, No. 3, 01.09.1999, p. 209-222.
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N2 - Drawing on the example of twentieth century Europe, this paper examines themes in the spatial development of the late stages of epidemiological transition in developed countries. A preliminary analysis of mortality trends for sample countries in four European regions (north, Scandinavia, south and east) suggests that, as the epidemiological transition progressed to its later stages during the period 1901–1975, spatial variability in the importance of classical infectious diseases increased. This trend was countered by a spatial convergence in the importance of disease groupings that typify late transition. An apparently new epidemiological phase in late transition, linked to the emergence and re-emergence of infectious and parasitic diseases, is illustrated with reference to tuberculosis and the acquired immunodeficiency syndrome (AIDS).
AB - Drawing on the example of twentieth century Europe, this paper examines themes in the spatial development of the late stages of epidemiological transition in developed countries. A preliminary analysis of mortality trends for sample countries in four European regions (north, Scandinavia, south and east) suggests that, as the epidemiological transition progressed to its later stages during the period 1901–1975, spatial variability in the importance of classical infectious diseases increased. This trend was countered by a spatial convergence in the importance of disease groupings that typify late transition. An apparently new epidemiological phase in late transition, linked to the emergence and re-emergence of infectious and parasitic diseases, is illustrated with reference to tuberculosis and the acquired immunodeficiency syndrome (AIDS).
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SMALLMAN-RAYNOR M, PHILLIPS DR. Late stages of epidemiological transition : health status in the developed world. Health and Place. 1999 Sep 1;4(3):209-222. https://doi.org/10.1016/S1353-8292(99)00010-6

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Spinal cord injuries are some of the most common, and most harmful, personal injuries that can occur in traumatic accidents. The spine consists of delicate vertebrae, ligaments, disks, and nerves. Sudden blows to any portion of the spinal cord can result in catastrophic injury. The spine is responsible for carrying messages from your brain to the body. Spinal cord injuries can interrupt this system, leading to paralysis and loss of feeling below the point of injury. Even "minor" spinal cord injuries can result in permanent back pain and disability. The Tampa spinal cord injury lawyer at Fiol Law Group may be able to obtain spinal cord injury victims compensation for their injuries.
Spinal cord injuries (SCIs) are unfortunately quite common in the U.S. Recent statistics estimate at least 17,000 new SCIs each year. These don't include people who die from spine injuries at the scene of the accident. Spine injuries can easily be catastrophic, causing permanent paralysis in victims. Those who survive SCIs typically never regain feeling or movement in the affected limbs. Knowing the most common causes of spine injuries can help you avoid risk factors, as well as determine when someone else could be liable for your injury.
Occupants in car accidents make up about 40% of all spinal injuries. Drivers are more at risk of SCIs than passengers, making up 86.8% of accident-related SCIs. The extreme forces involved in a vehicle collision can be too much for the spinal cord to handle. If the spine fractures, the health effects are typically permanent.
In some cases, it is not the kinetic forces of the crash that cause the spinal cord injury alone. A second factor, such as defective vehicle product, can contribute to damage to the spine. If a defective seat belt, air bag, or other component causes a spine injury, the victim could bring a claim against the product manufacturer.
Falls are the second-leading cause of SCI. Slip and fall accidents caused 5,406 male injuries and 1,262 female injuries in 2014. Bad falls can fracture the spinal cord or cause complete breaks. Falls are especially common in construction workplace accidents. The elderly are at risk of serious bone fractures in falls as well. Spine injuries from falls can be fatal depending on the severity of the injury. It is often the duty of the property owner to prevent falls, through proper premises maintenance. In a work setting, employers can prevent falls by equipping workers with personal fall protection devices.
Medical malpractice is a surprisingly common cause of spine injuries. Errors during surgery can lead to irreversible nerve damage in the spine. Although patients assume certain risks when they agree to operations, they do not assume the risk of negligence-related harms. If a surgeon is incompetent, unprepared, negligent, or does not communicate with his or her team, it can result in permanent and preventable spine injuries. Victims of medical malpractice may be able to sue the individual surgeon or the hospital.
Diving into pools or bodies of water that are too shallow can jar the head, neck, and back enough to cause a serious spinal cord fracture. It is the duty of the property owner to foresee the risk of people trying to dive into shallow pools and to post obvious warning signs not to dive. Failure to pose "No Diving" signs when a reasonable and prudent property owner would have, resulting in spine injuries, is negligence.
Gunshots and stab wounds can puncture the spinal cord and cause major injuries. Gunshots caused 4,163 male spine injuries and 572 female spine injuries in 2014. If an act of violence causes a spine injury, the victim can pursue damages through a civil claim against the perpetrator. If you suffer a spine injury in any kind of accident Tampa, seek help from an experienced personal injury attorney right away.
In each of these accident types, the victim can twist or jolt his or her spinal cord, leading to fractured, broken, or crushed vertebrae. Drivers, property owners, employers, doctors, and other parties bear certain responsibilities not to intentionally cause harm or cause harm through negligence. A breach in this duty, resulting in a devastating spinal cord injury, is the foundation for a personal injury lawsuit in Florida.
Spinal cord injuries that result from someone's negligence deserve the attention of competent personal injury lawyers in Tampa Bay. Proving fault for a spinal cord injury comes down to the question of negligence. A plaintiff must have evidence that the defendant owed a duty of care, breached this duty, and that this breach caused the injury or damages in question. Spinal cord injury lawsuits can result in large settlements due to the serious and often permanent nature of the injury. Victims can receive compensation for their ongoing medical bills, pain and suffering, and lost quality of life.
Should You Sue for a Spinal Cord Injury?
Victims of spinal cord injuries often suffer permanent damages such as partial or full paralysis. They may never be able to return to work or live on their own. There is no cure for paralysis, although some people may recover some feeling and motion with physical therapy and rehabilitation. Spinal cord injuries are some of the worst types of damages the human body can sustain. If you're suffering with the physical consequences of a spinal cord injury, the very least you deserve is to seek compensation from the at-fault party.
Spinal cord injury victims from negligence-related accidents don't have to go through this alone. Fiol Law Group can help you identify the responsible party, file a claim, and navigate the Tampa Bay civil courts. We work on a contingency basis, meaning you won't pay a cent unless we obtain compensation on your behalf. Our spinal injury attorneys understands Florida laws and knows how to get the most from a settlement.
Fiol Law Group is here for Tampa bay residents who have suffered a catastrophic spinal cord injury. We have years of experience in local courts defending the rights of injured victims, and know what it takes to bring about a successful personal injury claim. If you or a loved one suffered injury to the vertebrae in a car, premises liability, defective product, or workplace accident, contact us for a free consultation.


A week after the 2019 Golden Globe Awards kicked off this season of trophies and stars getting all dressed up to potentially win said trophies, the 2019 Critics' Choice Awards took over our TV screens and its red carpet didn't disappoint.
While some fans are still talking about the fact that there were two ties this year, or the sweet speech John Krasinski made after winning Best Sci-Fi/Horror Movie, we're all about the fashion.
In fact, we've narrowed it down to 10 women who slayed this year's Critics' Choice Awards carpet that we need your opinion on. Which star do you think won the red carpet?
Both Emily Blunt and Mandy Moore looked angelic in white at this award show and we're in love with both of their ensembles. The Mary Poppins Returns star went full glam with her beaded, sleek white number while Moore showed off her figure in a long-sleeve, sequined Michael Kors gown.
Of course we can't forget about Chrissy Metz. The This Is Us star wore a custom Kate Spade New York gown that was perfectly pink with rose embellishment that has us wishing it was spring.
We know that these 10 ladies weren't the only ones looking good at the 2019 Critics' Choice Awards, but they were style standouts to us. Now however, we want to hear who you thought was best dressed. Vote below!
For more Critics' Choice Awards updates and style news tune in to E! News at 7 p.m. on E!
The Golden Globe and Critics' Choice award winner wore an off-the-shoulder purple dress to the show.
Just like the 2018 Golden Globes, Julia Roberts once again looked stunning in a pantsuit.
Emily Blunt and John Krasinski perfectly complemented each other on the carpet at the 2019 Critics' Choice Awards.
Lady Gaga looked like the epitome of elegance as she arrived at the show in a strapless gown with a long train and Djula diamond earrings.
Many Moore rocked a long-sleeve classic white dress with cutouts.
Gemma Chan brought all of her flower power to the 2019 Critics' Choice Awards.
Nina Dobrev looked gorgeous in a red lace dress just one day after her Coachella-themed 30th birthday party.
The Riviera actress channeled her inner Greek Goddess at the 2019 Critics' Choice Awards. She wore a flowing white dress and Kallati blue sapphire diamond earrings.
The Tully star looked absolutely breathtaking in a one-shoulder Givenchy dress.
Chrissy Metz looked pretty in pink before the show.
The Spider-Man: Homecoming star rocked a beautiful white dress on the carpet with a plunging neckline and long slit up the leg. The Bvlgari jewelry ambassador wore over 75 carats of diamonds in her necklace as well as a diamond and emerald ring.
The Shameless star opted for a dark lip and Ralph Lauren red velvet dress with a plunging neckline. She added to the outfit with a gold Bvlgari Serpenti Cocktail Clutch purse.
Clear eyes, full hair, can't lose! Dirty John's Connie Britton wore a bright green dress with a long slit and Sophia Webster shoes.
Betty Gilpin of GLOW fame posed for the camera on the carpet before the show.
The Good Place star rocked a strapless green and black polka dot dress. That look will send anyone straight to the Good Place!
The Assassination of Gianni Versace actor made the carpet his own in his black get-up and white shoes.
The Killing Eve star looked elegant in a beautiful white Zuhair Murad dress with embroidery. She also wore Silvia Furmanovich's Gingko earrings made from carved rock crystal, brown and white diamonds and pearls.
Milo Ventimiglia promoted peace on the carpet at the 2019 Critics' Choice Awards.
Ken Jeong shined on the carpet in a velvet suit jacket.
This Is Us star Justin Hartley looked sleek in a black suit, black shirt and black sneakers.
Which star won the 2019 Critics' Choice Awards red carpet?


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COBS 19
COBS 19.1 Pension transfers, conversions, and opt-...
R Rules
G Guidance
E Evidential Provisions
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Status: Please note you should read all Brexit changes to the FCA Handbook and BTS alongside the main FCA transitional directions. Where these directions apply the 'standstill', firms have the choice between complying with the pre-IP completion day rules, or the post-IP completion day rules. To see a full list of Handbook modules affected, please see Annex B to the main FCA transitional directions.
COBS 19.1 Pension transfers, conversions, and opt-outs5
COBS 19.1.-1R 01/04/2018
[deleted]7
COBS 19.1.-1AR 01/10/2020
Except where a firm is providing abridged advice (see COBS 19.1A), this section applies to a firm which:10
gives advice on pension transfers, pension conversions and pension opt-outs to a retail client; or10
arranges pension transfers, pension conversions or pension opt-outs,10
in relation to:
a pension transfer;10
a pension conversion; or10
a pension opt-out from a scheme with safeguarded benefits or potential safeguarded benefits10.
COBS 19.1.-1BG 01/04/2018
7A firm should comply with this section in order to give appropriate independent advice for the purposes of section 48 of the Pension Schemes Act 2015.
COBS 19.1.1-AR 01/10/2020
[deleted]10
COBS 19.1.1R 01/04/2018 RP
Requirement for pension transfer specialist
COBS 19.1.1AR 01/04/2018
7A firm must ensure that advice on pension transfers, pension conversions and pension opt-outs is given or checked by a pension transfer specialist.
The requirement in (1) does not apply where the only safeguarded benefit involved is a guaranteed annuity rate.
Role of the pension transfer specialist when checking
COBS 19.1.1BG 01/04/2018
7When a firm uses a pension transfer specialist to check its proposed advice on pension transfers, pension conversions and pension opt-outs, it should ensure that the pension transfer specialist takes the following steps:
checks the entirety and completeness of the advice;
confirms that any personal recommendation is suitable for the retail client in accordance with the obligations in COBS 9.2.1R to 9.2.3R and including those matters set out at COBS 19.1.6G; and
confirms in writing that they agree with the proposed advice before it is provided to the retail client, including any personal recommendation.
Personal recommendation for pension transfers and conversions
COBS 19.1.1CR 01/10/2020
7A firm must make a personal recommendation when it provides advice on conversion or transfer of pension benefits.
Before making the personal recommendation the firm must:
determine the proposed arrangement10 with flexible benefits to which the retail client would move; and
carry out the appropriate pension transfer analysis and produce the transfer value comparator10.
The requirement in (2)(b) does not apply if the only safeguarded benefit involved is a guaranteed annuity rate7.
The firm must take reasonable steps to ensure that the retail client understands how the key outcomes from the appropriate pension transfer analysis and the transfer value comparator10 contribute towards the personal recommendation.7
Prior to making a personal recommendation to effect a pension transfer or pension conversion, a firm must obtain evidence that the client can demonstrate that they understand the risks to them of proceeding with the pension transfer or pension conversion.10
COBS 19.1.1DG 01/10/2020
COBS 9 contains suitability requirements which apply if a firm makes a personal recommendation in relation to advice on conversion or transfer of pension benefits.10
COBS 9 requires a firm to obtain from the client necessary information for the firm to be able to make a recommendation. The necessary information includes ensuring that the client has the necessary experience and knowledge to understand the risks involved in the transaction. If a client does not understand the risks and/or the firm does not have evidence that the client can demonstrate their understanding, then it is likely not to be appropriate, under the COBS 9 requirements, to make a recommendation to transfer or convert. 10
The firm should make a clear record of the steps it has taken to satisfy itself on reasonable grounds that it has adequate evidence of the client's demonstration of their understanding of the risks.10
When a firm is obtaining evidence as to whether the client can demonstrate that they understand the risks involved in the pension transfer or pension conversion, it should tailor its approach according to the experience, financial sophistication and/or vulnerability of each individual client. 10
Appropriate pension transfer analysis
COBS 19.1.2AR 01/04/2018 RP
COBS 19.1.2BR 01/10/2020
7To prepare an appropriate transfer analysis a firm must:
assess the benefits likely to be paid and options available under the ceding arrangement10;
compare (1) with those benefits and options available under the proposed arrangement;10
where the proposed arrangement is a personal pension scheme, stakeholder pension scheme or defined contribution occupational pension scheme that is not a qualifying scheme, and a qualifying scheme is available to the retail client, compare the benefits and options available under the proposed arrangement with the benefits and options available under the default arrangement of the qualifying scheme; and10
undertake the analysis in (1), (2) and (3) in accordance with COBS 19 Annex 4A and COBS 19 Annex 4C.10
7COBS 19.1.1-AR and COBS 19.1.2BR do not preclude a firm from preparing other forms of the analysis (for example, stochastic cashflow modelling) which are relevant to making a personal recommendation to the retail client, as long as projected outcomes at the 50th percentile are no less conservative than if the analysis had been prepared in accordance with COBS 19 Annex 4A and COBS 19 Annex 4C.
7This guidance applies if a firm presents information in the appropriate pension transfer analysis10 which considers the impact of:
the Pension Protection Fund and the FSCS; or
scheme funding or employer covenants.
If a firm presents the information in (1) it should, in accordance with Principle 7 and the fair, clear and not misleading rule, do so in a way that is balanced and objective.
If a firm does not have specialist knowledge in assessing the impact of (1)(a) or 1(b), it should consider not including the information.
COBS 19.1.2EG 01/10/2020
7This guidance applies if a firm presents information in the appropriate pension transfer analysis10:
that contains an indication of future performance; and
is produced by a financial planning tool or cash flow model that uses different assumptions to those shown in the key features illustration for the proposed arrangement10.
A firm presenting the information in (1) should explain to the retail client why different assumptions produce different illustrative financial outcomes.
COBS 19.1.3G 01/10/2018 RP
Transfer value comparator
7To prepare a transfer value comparator10, a firm must compare the transfer value offered by the ceding arrangement10 with the estimated value needed today to purchase the future income benefits10 available under the ceding arrangement10 using a pension annuity (calculated in accordance with COBS 19 Annex 4B and COBS 19 Annex 4C).
The firm must provide the transfer value comparator to the retail client in a durable medium using the format and wording in COBS 19 Annex 5 and using the notes set out in COBS 19 Annex 5 1.2R.10
When the retail client has passed the normal retirement age of the ceding arrangement, the firm must provide a transfer value comparator applying the retirement age assumed in the calculation of the transfer value.10
Where the ceding arrangement allows the retail client to take their benefits at an age below the scheme's normal retirement age, with no reduction for early payment and where no consent is required, then the firm must provide a transfer value comparator assuming that the retail client will retire at this age. 10
Guidance on estimated transfer value
10If a firm gives advice on conversion or transfer of pension benefits to a retail client under circumstances where the ceding arrangement is expected to be changed, or replaced by another scheme, the firm should:
prepare a provisional appropriate pension transfer analysis and transfer value comparator based on the information related to the changed or replacement scheme;
make reasonable assumptions about the changed or replacement scheme where the benefits are uncertain; and
set out in a provisional suitability report any assumptions and uncertainties to the retail client, which should clearly set out that the personal recommendation can only be finalised once the transfer value and changed or replacement arrangements are certain.
COBS 19.1.4AE 01/10/2018 RP
COBS 19.1.4BR 01/10/2018 RP
Guidance on assessing suitability
The guidance in this section relates to the obligations to assess suitability in COBS 9.2.1R to 9.2.3R.7
When a firm is making a personal recommendation for a retail client who is, or is eligible to be, a member of a pension scheme with safeguarded benefits and who is considering whether to transfer, convert or opt-out, a firm should start by assuming that a transfer, conversion or opt-out will not be suitable.7
A firm should only consider a transfer, conversion or opt-out to be suitable if it can clearly demonstrate, on contemporary evidence, that the transfer, conversion or opt-out is in the retail client's best interests.7
To demonstrate (3), the factors a firm should take into account include:7
the retail client's intentions for accessing pension benefits;7
the retail client's attitude to, and understanding of the risk of giving up safeguarded benefits (or potential safeguarded benefits) for flexible benefits, taking into account the following factors:9
9the risks and benefits of staying in the ceding arrangement;
9the risks and benefits of transferring into an arrangement with flexible benefits;
9the retail client's attitude to certainty of income in retirement;
9whether the retail client would be likely to access funds in an arrangement with flexible benefits in an unplanned way;
9the likely impact of (iv) on the sustainability of the funds over time;
9the retail client's attitude to and experience of managing investments or paying for advice on investments so long as the funds last; and
9the retail client's attitude to any restrictions on their ability to access funds in the ceding arrangement10;
the retail client's attitude to, and understanding of investment risk;7
the retail client's realistic retirement income needs including:7
how they can be achieved; 7
the role played by safeguarded benefits (or potential safeguarded benefits) in achieving them; and 7
the consequent impact on those needs of a transfer, conversion or opt-out, including any trade-offs; and7
alternative ways to achieve the retail client's objectives instead of the transfer, conversion or opt-out.7
9If a firm uses a risk profiling tool or software to assess a retail client's attitude to the risk in (4)(b) it should:
check whether the tool or software is capable of taking into account at least those factors listed in (4)(b)(i) to (vii); and
ensure that those factors which are not included are factored into the firm's assessment of the client's attitude to risk.
9When a firm asks questions about a retail client's attitude to the risk in 4(b) it should consider the rules on communicating with clients (COBS 4), which require a firm to ensure that a communication is fair, clear and not misleading.
Where a qualifying scheme is available to the retail client, a firm considering making a personal recommendation to effect a pension transfer to a personal pension scheme, stakeholder pension scheme or defined contribution occupational pension scheme that is not a qualifying scheme:10
should start by assuming that it will not be as suitable as a transfer to the default arrangement of an available qualifying scheme; and10
will need to be able to demonstrate clearly that, as at the time of the personal recommendation, it is more suitable than a transfer to the default arrangement of an available qualifying scheme.10
For the purposes of (7):10
a qualifying scheme is available to the retail client where it accepts transfers from other schemes into its default arrangement; and10
where more than one qualifying scheme is available to the retail client, the firm should consider the available qualifying scheme that the retail client most recently joined, but may, in addition, also consider any of the other qualifying schemes available to the retail client.10
To demonstrate (7)(b) the firm may, subject to (10), take into account one or more of the following considerations:10
the retail client provides evidence of experience at making active investment choices as a self-investor or as an advised investor (except in relation to investments in the default arrangement of a qualifying scheme or in a mortgage endowment policy or similar product);10
where the retail client wishes to access the funds within 12 months of entering into pension decumulation and the qualifying scheme does not offer the retail client a decumulation option that would enable the retail client to achieve their desired outcome.10
In taking into account the considerations in (9), as well as any other considerations that the firm may decide to take into account when demonstrating 7(b), the firm should also consider:10
whether those considerations are so important to the client as to outweigh other considerations in favour of the default arrangement of the available qualifying scheme; and10
why the outcome sought by transferring to a personal pension scheme, stakeholder pension scheme or defined contribution occupational pension scheme that is not a qualifying scheme cannot be achieved by transferring to the qualifying scheme.10
The presence of one or more of the following circumstances should not be taken as sufficient to demonstrate that the personal recommendation in (7) is suitable: 10
one of the retail client's objectives is to have access to a wider range of investment options than available under the default arrangement of the qualifying scheme;10
the transfer is to take place more than 12 months before the retail client enters into pension decumulation; and/or10
the retail client will enter into pension decumulation within the next 12 months, but the retail client has not yet decided whether or how they will access their funds. 10
Working with another adviser
COBS 19.1.6AG 04/10/2018
9This guidance relates to the obligations to assess suitability in COBS 9.2.1R to 9.2.3R.
Paragraphs (3) and (4) apply in the following situations:
where two or more firms are involved in providing both advice on pension transfers, pension conversions and pension opt-outs and advice on investments in relation to the same transaction; and
where two or more employees within the same firm are involved in providing both advice on pension transfers, pension conversions and pension opt-outs and advice on investments in relation to the same transaction.
In such situations, firms should work together (or ensure their employees work together) to:
obtain information from the retail client under COBS 9.2.2R(1) that is sufficient to inform both the advice on pension transfers, pension conversions and pension opt-outs and the advice on investments; and
obtain information from the retail client under COBS 9.2.2R(2) about the client's preferences regarding risk taking and their risk profile that covers both the risk in COBS 19.1.6R(4)(b) and the risk in COBS 19.1.6R(4)(c).
In such situations, the firm(s) providing the advice on investments in relation to the proposed transaction should ensure that (where relevant) the advice takes into account the impact of any loss of safeguarded benefits (or potentially safeguarded benefits) on the retail client's ability to take on investment risk.
COBS 19.1.7AG 01/04/2018 RP
COBS 19.1.7BG 01/10/2018 RP
Arranging without making a personal recommendation
7If a firm arranges a pension transfer, pension conversion10 or pension opt-out for a retail client without making a personal recommendation in relation to the pension transfer, pension conversion or pension opt-out10 it must:
make a clear record of the fact that the firm has not given that10 personal recommendation to the client;10
where the pension transfer or pension conversion is within the scope of the requirement in section 48 of the Pension Schemes Act 2015:10
not proceed with the arrangements until it has received confirmation, from the firm that gave the advice to the retail client, that the retail client has received a personal recommendation in accordance with the requirements of COBS 19.1 (and that it was not abridged advice); and 10
if the client has received a personal recommendation, ask whether or not the recommendation was to transfer or convert; and10
retain clear records showing evidence of (a) and (b);10
where the recommendation in (1A) was not to transfer or convert the retail client's subsisting rights in respect of safeguarded benefits, the firm arranging the pension transfer or pension conversion must: 10
warn the retail client that they are acting against advice not to transfer or convert;10
ask the retail client whether they understand the consequences of acting against advice;10
where the retail client does not understand the consequences of acting against advice, refuse to arrange the pension transfer or conversion and instead refer the retail client back to the firm that advised them not to transfer or convert for an explanation of that advice; and10
retain a record of the communications with the retail client that evidence compliance with the requirements in (a) to (c);10
retain the records in (1), (1A) and (1B)10 indefinitely.
10Where the advice referred to in COBS 19.1.7CR(1A) was abridged advice, the firm being asked to arrange the transfer or conversion should not ask the advising firm for confirmation of the abridged advice given. The firm is not permitted to arrange the relevant pension transfer or pension conversion where the advice given was abridged advice.
COBS 19.1.7ER 01/10/2020
10Where the firm that has given advice to a retail client is asked by a firm arranging a pension transfer or pension conversion that is within the scope of the requirement in section 48 of the Pension Schemes Act 2015 to:
provide a confirmation that the retail client has received a personal recommendation in accordance with the requirements of COBS 19.1 (and that it was not abridged advice); and
if the client has received a personal recommendation, confirm whether or not the recommendation was to transfer or convert,
the advising firm must provide the requested information to the firm arranging a pension transfer or pension conversion as soon as reasonably practicable.
Suitability reports
If a firm provides a suitability report to a retail client in accordance with COBS 9.4.2AR10 it should include:
a summary of the advantages and disadvantages of its personal recommendation;
an analysis of the financial implications (if the recommendation is to opt-out); 7
a summary of the key outcomes from the appropriate pension transfer analysis10 (if the recommendation is to transfer or convert); and7
a summary of any other material information.
If a firm proposes to advise a retail client not to proceed with a9 pension opt-out, it should give that advice in writing.
10Prior to finalising the firm's personal recommendation, a firm seeking evidence that the client can demonstrate their understanding of the risks in accordance with COBS 19.1.1CR(5) must:
make a clear record of either:
the evidence showing that the client demonstrated that they understood the risks involved in effecting a pension transfer or pension conversion and the steps taken by the firm to obtain that; or
if the firm could not obtain evidence that the client could demonstrate that understanding and the firm did not change to a recommendation not to transfer, the steps taken by the firm to obtain the evidence and clear evidence and explanation of how the firm satisfied itself on reasonable grounds that it was still suitable to continue to make the same personal recommendation; and
retain the records in (1) indefinitely.
The statutory advice requirement
COBS 19.1.10G 04/10/2018 RP
9Where a firm has advised a retail client in relation to a pension transfer or pension conversion and the firm is asked to confirm this for the purposes of section 48 of the Pension Schemes Act 2015, then the firm should provide such confirmation as soon as reasonably practicable.
9The firm should provide the confirmation regardless of whether it advised the client to proceed with a pension transfer or pension conversion or not.
Triage services
COBS 19.1.11G 01/01/2019
9The table in PERG 12 Annex 1G includes examples of when a firm is and is not advising on conversion or transfer of pension benefits when it has an initial "triage" conversation with a potential customer. The purpose of triage is to give the customer sufficient information about safeguarded benefits and flexible benefits to enable them to make a decision about whether to take advice on conversion or transfer of pension benefits.


Their modeling method looked at how much our planet's average surface temperature would rise should the amount of carbon dioxide in our atmosphere double. While past attempts to determine equilibrium climate sensitivity have looked at the historical temperature records, the new study focused on the year-to-year global temperature fluctuations. They analyzed how responsive short-term temperature changes were to slight bumps in the climate regardless of greenhouse gas emissions.
While the Intergovernmental Panel on Climate Change (IPCC) of the UN has predicted that equilibrium climate sensitivity would be in the range of 1.5 to 4.5 degrees Celsius, the new study sees a range of 2.2 to 3.4 degrees Celsius. This means the "end of the world" according to the UN is not as close as they would like you to believe.
You may recall a similar story last year about how global warming climate models are blatantly incorrect and biased toward churning out overblown predictions designed to frighten the masses. On that occasion, a paper that was published in Nature Geoscience concluded that faulty software models were used by the IPCC and widely cited by those with a vested interest in furthering the global warming narrative. They showed that climate change was not quite the urgent threat to our planet that it had been made out to be. Is anyone starting to notice a pattern here?


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Japan OKs record $317 B extra budget for COVID, economy
MARI YAMAGUCHI
Virus Outbreak Japan
Japanese Prime Minister Fumio Kishida, right, bows with his cabinet ministers as the supplementary budget for the fiscal year was approved at the House of Councilors in Tokyo, Monday, Dec. 20, 2021. Japan's parliament on Monday approved a record extra budget of nearly 36 trillion yen ($317 billion) for the fiscal year through March to help out pandemic-hit households and businesses.(Kyodo News via AP)
TOKYO (AP) — Japan's parliament on Monday approved a record extra budget of nearly 36 trillion yen ($317 billion) for the fiscal year through March to help out pandemic-hit households and businesses.
The budget largely is to fund COVID-19 measures, including booster shot vaccines and oral medicines. It also includes cash payouts for families with children and a promotion campaign for the hard-hit tourism industry, which critics said are pork barrel giveaways.
Prime Minister Fumio Kishida said the supplementary budget is meant to revive an economy not yet fully recovered from the pandemic and to achieve stronger growth and a more equitable distribution of wealth under his "new capitalism" policy.
Under Kishida, the government has tightened border restrictions to help keep at bay cases of the fast-spreading omicron variant of the coronavirus, after managing to bring infection levels down sharply in the past few months.
The budget includes 100,000 yen ($880) payouts to households with children 18 or younger and a 2.5 million yen ($22,000) subsidy for businesses that suffered substantial losses of sales due to the pandemic. It also will pay to increase salaries of nurses and other caregivers.
It allocates 617 billion yen ($5.4 billion) for promoting semiconductor manufacturing inside Japan as the country moves to improve its economic security and counter shortages of the computer chips that are vital for a wide range of products. The budget will also fund promotion of tourism, sustainability and digitalization.
In response to growing concern about rising Chinese power and other strategic challenges, it includes about 773 billion ($6.8) dedicated to speeding up deployment of missile defense systems and other military preparedness.
Deputy Chief Cabinet Secretary Seiji Kihara told reporters Monday that the government plans to deliver planned measures promptly to the people to support "reconstruction of the pandemic-hit economy and the resumption of social and economic activity" after widespread public health precautions imposed to battle coronavirus outbreaks.
Japan's government has insisted that it is managing to catch people infected with the omicron variant at the border, but experts have cautioned that it may be spreading locally.
The health ministry reported 14 omicron cases among arrivals at Japanese airports, bringing the known omicron cases to more than 80.
In Okinawa, a major cluster has been spreading at the U.S. Marine Corps base of Camp Hansen, where at least 180 Marines who recently transferred from the United States have been infected. It was not known if they included omicron cases.
Japan, a country of about 126 million, has reported about 1.73 million COVID-19 cases and 18,400 deaths since the pandemic began two years ago.
From sandwich cookies to triple-layer cakes, BuTian's low-sugar desserts taste just as divine
KUALA LUMPUR, Jan 18 — Stacked up like a tower of Jenga blocks, the sandwich cookies would tempt any dessert lover to topple them... if only to take a bite out of one. The taste might surprise:...
Canadian woman sets up non-profit organisation to rehome animals of senior or terminally ill pet owners
KUALA LUMPUR, Jan 17 — A Canadian woman has started a non-profit organisation to help rehome animals of senior or terminally ill pet owners. Speaking to People, Angela Rafuse from Halifax, Nova...


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Press Photo – Credit: Bella Howard
Lily Allen: 'The music industry is hiding my sexual abuser'
Fri 8th Jun 2018 09.23 BST
Lily Allen has alleged that she has been the victim of sexual misconduct by a high-profile figure in the music industry.
The 33-year-old pop star, who is preparing to launch her new hard-hitting album No Shame, even claimed that she tried to report abuse to people around her but her allegations fell on deaf ears. Explaining the level of this issue, Allen then compared her incident to that of actress Rose McGowan, who led the way in exposing Harvey Weinstein and accused the movie mogul of rape.
"I've had things happen that I would feel uncomfortable talking about because they're linked with lots of people I work with," she said in an interview with the i newspaper. "People who are in control of things that affect me," she added while confirming she had suffered sexual abuse: "But like Rose McGowan, I reported it to people around me – women! – and no-one did anything," she continued.
"My record label have a list of priority acts, pretty much all of which have a link to the person who did something to me. I know what will happen. They'll say, 'Let's try and get rid of Lily because this person is worth more to us because he makes us lots of money.' In film and TV, you can choose not to work with any of those people again. You can move country, move out of London to LA. You can't do that in music. It's the same bunch of people on both sides of the Atlantic and it's inescapable because it's 15-year-long contracts."
[MORE] – How Lily Allen nearly formed a band with Alex Turner.