text:
NewZealand Kiwi
in response to reader comment: Abuhajira - Use the Quran correctly!
Submitted by Abuhajira (South Africa), Nov 9, 2007 at 18:31
quote : Don't cherry pick and take out of context! We are not all ignorant or unread. The rest of the verse reads
Then why dont you read about what the verse is about!!! also there is an exception in Verse 34, but you are the one who really cherry picked :)
Traditional scholars have explained what regarding this verse:
"Hadhrat Ibn Abbaas (R.A) has stated that the four penalties mentioned in the verse are with regard to four types of crimes. If the robbers had murdered and stolen, they will be executed and crucified. If they only murdered others without stealing anything, they will be executed. If they only stole without killing anyone, their hands and feet will be severed from opposite ends. The fourth penalty of expelling them from the land will apply when they were caught with intent to rob, without committing the action.
Exiling them from the land means that they be expelled and banished from their country according to Imaam Shafi'ee (A.R). The view of Imaam Abu Hanifah (A.R) is that they be imprisoned until they repent. Hadhrat Mumammed Ibn Jareer Tabari (A.R) has combined the above two interpretations by saying that such robbers should be imprisoned in a distant place till they repent.
Hadhrat Makhool Tabi'ee (A.R) says that Hadhrat Umar (R.A) was the first to enforce the penalty of imprisonment saying that he would imprison them until he was convinced of their repentance. He said that he would not exile them because they would then harm the people of the other place.
Some scholars are of the opinion that the Ameerul Mu'mineen has the choice of imposing any of the four penalties to any robber as he pleases. However, Imaam Shafi'ee (A.R) and Imaam Abu Hanifah (A.R) have accepted the interpretation of Hadhrat Ibn Abbaas (R.A) i.e. the four penalties are to be imposed for four different crimes.
Imaam Shafi'ee (A.R) is of the opinion that the bandit should first be executed and then crucified. Certain other Ulema maintain that he be placed alive on the cross and then killed by repeatedly piercing his stomach with a spear. Others say that he should be placed on the cross for three days and then taken down to be executed. ["Ma'aalimut Tanzeel"Vol.2 Pg.33]"
Sir, you who cannot even muster enough to read one line of arabic can gather the audacity to interpret a religious book. What shame! Is this the scholarly literacy you boast?
And when we discuss Quran, then let us discuss Quran and leave aside bible, for if we were even to start discussing that, we will have to first prove its authenticity (which even your own scholars deny with the different versions etc) but that is not the topic.
Finally, Literacy is not from the filter of a critic, rather from realization of the self. Just because we prefer our language over your putrid english which limps in the face of the elloquence of Arabic, it doesnt mean that we are illiterate. True is what one said, "The eye with jondice cannot be blamed to see everything in yellow"!!!
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(This story originally appeared as exclusive content on the Verizon INDYCAR Mobile app).
LONG POND, Pennsylvania – One of the favorite parts of the Verizon IndyCar Series is the unique venues that are on the schedule. From the epic Indianapolis Motor Speedway, to the iconic streets of Long Beach, California, to the "National Park of Speed" at Road America in Elkhart Lake, Wisconsin.
Then there is Pocono Raceway, site of Sunday's ABC Supply 500.
It's layout alone makes it different than any other track on the schedule. It's not a true oval, it's a triangle, with three turns instead of four. All three turns are different, making it a challenge for the driver and engineers that devise a setup for the race car.
But that's not all that makes Pocono stand apart.
When Dr. Joe Mattioli realized a dream of building Pocono Raceway in the late 1960s, he carved it out of land that was part of a spinach farm in the Pocono Mountains resort area of northeast Pennsylvania. Nearly 50 years later, part of Pocono Raceway will return to its roots with creation of an organic farm.
The project is overseen by Ashley Walsh, the oldest granddaughter of the late Dr. Mattioli and his wife, Rose, and the sister of Nick Igdalsky, Pocono Raceway CEO and president of the Mattioli Foundation.
Rodale Institute, a global leader in regenerative organic agriculture, is a nonprofit dedicated to pioneering organic farming through research and outreach. Rodale has been putting science behind best practices in organic agriculture for more than 70 years. The vision is to turn Pocono Organics into a model sustainable and regenerative organic farm.
Under the plan, Pocono Organics will construct a 30,000-square-foot "barn" designed to LEED (Leadership in Energy and Environmental Design) Standards that will be used for processing and storing organic crops, including fruit, vegetables, herbs, grains and flowers. The state-of-the-art facility will have a living vegetative roof that captures rain water for re-use. During Phase 1, more than 38,000 square feet of greenhouses will be built and connected by corridors to the barn to expedite the progression from growing to processing in all seasons.
It won't be the first "farm" on Pocono Raceway grounds, however. The track also has a 25-acre solar panel farm (shown below) that provides enough power for the facility and 800 to 1,000 area homes for the full year.
"Pocono Green is our brand there and a big part of what we are doing," May said. "We went online in 2010 with that 25-acre solar farm and have (generated) over 26 million kilowatt hours (of electricity) to date. It powers everything we need, and we don't store the power, we send it back to the grid. That provides enough power to 800 to 1,000 homes that we require to run our facility.
"What has been interesting is Pocono Green and the solar farm is really all we had since then, but now we use the solar farm as a springboard to recycle, composting and other efforts like that. We are tracking at 75 percent this year on the diversion number and that means 75 percent of our waste isn't going to a landfill. That is something we are proud of and a little bit of the direction that solar farm kicked off for us.
Meanwhile, on-track activities for the ABC Supply 500 begin with practice at 10:30 a.m. ET Saturday. The 60-minute session streams live on RaceControl.IndyCar.com, youtube.com/indycar and on the INDYCAR Mobile app.
Verizon P1 Award qualifying for the 22 entered cars starts at 1:30 p.m. and airs live on NBCSN. A final practice is set for 4:45 p.m. (live stream on RaceControl.IndyCar.com, youtube.com/indycar and on the INDYCAR Mobile app).
Coverage of the 200-lap race on the "Tricky Triangle" commences at 1:30 p.m. Sunday on NBCSN and the Advance Auto Parts INDYCAR Radio Network.


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text:
LexW:
As someone who has played and run PnP RPGs for 30+ years, I disagree violently.
DOS2 is the sort of game that people who've never played PnP RPGs think is like PnP RPGs, when in reality, it's the polar opposite, with the sort of thing you're describing basically being the kind of massive exploits and/outright cheating the system that the live DM in a PnP game will not allow to work, or only let work because it's a very specific circumstance and would work that one time, whereas in DOS2 (and DOS1), it's just a cheap, repeatable exploit that makes absolute no sense whatsoever.
This may be your experience and that's perfectly fair enough but it's not by any means universal. Using things like teleportation magic to plop enemies in environmental hazards or into places where they can't hurt you is absolutely the sort of stuff we'd do all the time back when I played PnP RPGs.
As for the loot system and armour we've been over it before and I think we're in touching agreement that it is indeed shit and makes the game significanly worse than it had to be.
My point isn't that it doesn't happen. My point is you can't do it in the way you can in the DOS games, and particularly that it's always situational and not some sort of reliable battle tactic. Whereas in DOS it's basically a reliable, repeatable way to roll. I've also seen so many posts from people who haven't or barely have played PnP RPGs, who are shrieking about how they surrounded and NPC with exploding barrels or whatever and blew him up is "just like a PnP RPG", which is like, no, absolutely the opposite - that's showing the difference from a PnP RPG, where the DM would have had him and others react realistically and the PCs would likely have ended up in dead, in jail, or on the run.
I guess my overall point is that some of what people perceive as arbitrary limits or whatever in other CRPGs actually, de facto, work to provide a more PnP-like experience by preventing complete idiocy, as amusing as complete idiocy can be.
I feel like DOS2 particularly also starts to show up why we moved away from turn-based RPGs, because to make stuff actually challenging in a turn-based RPG, you often have to engage in a lot more in the way of setups that feel unfair, and where the nature of the unfairness isn't the fun kind (where you're crazily outnumbered by weak enemies or the like - because that would take too long to resolve in a turn-based system), but more often the less-fun (IMHO) kind where all the enemies get to start in advantageous positions and there isn't a damn thing you can do about it. I actually suspect this is part of what influenced the original Infinity Engine design of real-time. Not just that real time was hot right then, but that it allows for a better experience when outnumbered or with a lot of people involved in a combat than turn-based does. Sure, PnP is turn-based (typically - not always - PtbA/Dungeon World isn't really), but the way it works out you can often resolve all the moves and attacks of a large number of weak enemies extremely quickly - actually faster than turn-based video games do, even on higher speed settings, and further, you flex the speed to slow down when important/dangeous stuff is happening, and speed up on minor enemies, which I don't think is something any game has really tried yet. In fact I kind of wonder if both turn-based and real-time games couldn't learn something from thinking about how it plays out in PnP games.
The ultimate issue for me is that the system is kludgy mix of class and classless systems. Half of the stats have somewhat beneficial effects for all characters, while finesse and intelligence aren't useful unless you have a melee striker or mage respectively. Then they are critical. Equipment has unintuitive stat requirements to silo a character into a class (con for shields, int for robes), solely to push characters into classes.
And the need for class specialization is real. Your damage increases do not scale with enemy health (which is exponential), so enhanced lethality is pretty much a requirement. There are a lot of times a fight will be decided in the first round. And a lot of fights have nasty environmental conditions, enforced bad positioning, or boss changes or mobs that die when the boss does. And mobs that heal themselves through items and equipment are common.
So it actively encourages the traditional notion of classes, but then breaks it by having some classes far more capability than others, particularly the finesse characters. Scoundrel gets free extra walking speed and a teleport and a 1 ap multiturn complete lockdown and the ability to frontload AP. (I thought it was finesse because I assumed that they wouldn't put something as important as movement range as a free class skill.) Huntsman gets a self-hasting teleport for one AP and built in height bonuses for ranged attacks (including spells) and almost every status effect through arrows and a one AP heal that cures some status that a normal heal doesn't & provides a buff. They have the additional advantage of being able / encouraged to sink more points into Wit giving them improved initiative and crit chance (which doesn't extend to casters w/o a perk investment.)
Warriors get survivability at the cost of less options, less AP, and less control. Mages have more potential skills because but you don't actually get the AP to use them, and less versatility than a hunter loaded with arrows. So the game heavily favors every damage mage turning into a hunter mage, or better yet just a straight up hunter with a point or two in magic. That's ridiculously unintuitive, especially considering the artificial limitations they put on gear to create classes in the first place.
Most of that stuff is dependant on the environment, so not reliable or repeatable in every fight. The only thing that comes to mind would be stuff like loading up on deathfog barrels and using them to cheese every boss, but I haven't seen anyone do that outside speed runs.
I feel like DOS2 particularly also starts to show up why we moved away from turn-based RPGs, because to make stuff actually challenging in a turn-based RPG, you often have to engage in a lot more in the way of setups that feel unfair, and where the nature of the unfairness isn't the fun kind (where you're crazily outnumbered by weak enemies or the like - because that would take too long to resolve in a turn-based system), but more often the less-fun (IMHO) kind where all the enemies get to start in advantageous positions and there isn't a damn thing you can do about it.
But there are practically always ways to turn the tables from a disadvantageous starting position (setting up ambushes, moving characters around, area denial, etc). I enjoyed that, you are of course free not to, but we're firmly in the realms of taste rather than absolutes here.
@Internet Your post snuck inbetween so I missed it.
And the need for class specialization is real. Your damage increases do not scale with enemy health (which is exponential), so enhanced lethality is pretty much a requirement. There are a lot of times a fight will be decided in the first round.
No it really isn't. It is very true that damage is important (too important), but dumping points into your main tree isn't the only or even necessarily the best way to increase the damage you do.
If we go by the assertion that most fights are decided by how hard you hit in the first round, which is better:
Two points in your main school that give 10% more overall damage?
Putting those two points into a skill that gives you an extra attack (let's call it 33% more damage though it obviously varies depending on specific skills and other factors) and some mobility?
Putting them into teleportation skills that let you group enemies for your biggest AoEs (potentially several hundred percent more damage)?
Putting them somewhere else that lets you disable enemies or give yourself massive buffs so that the first round isn't decisive?
I would definitely take the option to diversify rather than specialise.
Scoundrel gets free extra walking speed and a teleport and a 1 ap multiturn complete lockdown and the ability to frontload AP. (I thought it was finesse because I assumed that they wouldn't put something as important as movement range as a free class skill.) Huntsman gets a self-hasting teleport for one AP and built in height bonuses for ranged attacks (including spells) and almost every status effect through arrows and a one AP heal that cures some status that a normal heal doesn't & provides a buff.
Again, any character can take skills like Tactical Retreat, Adrenaline or Cloak and Dagger i you want them. They are by no means exclusive and at absolute worst it'll cost you 10% damage multiplier, but probably not as Scoundrel and Huntsman bonuses work for other stuff as well.
If you want to make something like a build that has great mobility and deals ice damage with crazy crits and massive damage increases from high ground feel free to spend 5 points in Hydro and then 10 each in Scoundrel and Huntsman while dumping attributes on Int and Wits.The game won't stop you and it'll probably work just fine (though likely be a bit dull).
It's hard to draw any other conclusion than that you're complaining about limitations you imposed on yourself.
Zephro 2020-11-25 23:39:20 UTC #6614
The reason I feel DOS doesn't feel like PnP is that its all super mechanical the stuff you can do. You can play around with different configurations of your mechano set to get all sorts of effects but it just never really sparks like playing with your mates.
There's also the fact that, generally, GMs are trying to work with the players to ensure they have a good time. cRPGs can rarely do that, so enemies are simply opponents to be beaten.
When games do try tricks like level scaling or fudging results to try and have a similar effect of keeping things fun, players tend to hate it as they consider it that their opponent is cheating.
Making things system driven is a very different approach to P&P rpgs, but may be the best way to get towards similar results. The problem is that it goes against, and evidently doesn't mix that well with, existing expectations of cRPG players.
But I think a systems driven approach may be the best way to handle it for computer games. I mean, when I played Deus Ex for the first time it kinda felt like what I'd always wanted cRPGs to be. Suddenly I had all these different options and tools around me and I could come up with my own solutions to problems. Weirdly, although Deus Ex was pretty far from D&D, it kinda captured the same feeling.
I've been playing The Witness again. I wasn't feeling up to Alien Isolation or anything too stressful, and I thought wandering around a beautiful colorful natural island might be just the ticket.
I'm not sure it is exactly, but it's ok so far.
I had played it a tiny bit back when I was subscribed to Origin Access, but I only tried it for a day or two at the end of my subscription, so it was basically a demo.
Started from scratch this time as I couldn't remember all the lessons I'd probably learned back then. First few puzzle areas are pretty easy and taught quite clearly. Then the next few are a tiny bit more tricky and I felt clever for solving them, plus I spotted a couple of secret puzzles and felt clever about that too.
But the next few areas all seem to be puzzles with unknown symbols on them and I haven't figured them out yet… so I don't feel so smart anymore and I've kinda hit a wall until I work them out.
At least I get to wander around the island and look for other puzzles in the meantime.
While the island technically and theoretically looks beautiful, I'm finding it strangely cold and not very atmospheric. It doesn't really have the vibe of wandering around a vibrant magical place that it seems it should have, and that a lot of other games have.
Not quite sure why. Maybe it's too empty and static. Maybe it's that it's all focused on blocking puzzles. Maybe it's that you can't jump.
If I could just work out what those symbols mean…
I'd argue it's entirely possible to do this in a game, but you have to play to the fantasy you'r'e creating, and make the game feel like the fantasy, not just like "A CRPG". If your game has no clear fantasy, as both DOS games lack, being just generic CRPGs with no particular ideas, you're never going to achieve that.
Ironically I would say DOS1 was trying, at times, to make combat fun and fit a sort of "thinking pays off" way, but faced two challenges which ultimately overwhelmed it. First, repetition - thinking pays off can work well with a lot of genuinely unique situations and intelligent NPCs, but DOS1 had neither, so it got repetitive fast. Secondly, difficulty. A lot of party-based CRPG players are masochists and boasters who are desperate that the game be perceived as punishingly hard and them as awesome for playing it. They don't actually want a fun game. They're entirely happy if you basically have to exploit to do well in the game or have a good time. Some of the devs think similarly too. So that's a pressure which further warps games away from being fun like TT games.
I think this is part of why stuff which is pretty far, mechanically, from TT RPGs often feels more like them than stuff that is close - ME2, for example, really leans into the fantasy of being this badass spectre, and makes things significantly asymmetric, combat-wise (unlike most party-based CRPGs, which have relatively or entirely symmetrical combat - DOS, Pathfinder, Pillars, etc.), so that on the right difficulty for you, the combat is fun and fits the fantasy (unlike most CRPGs), and the interactions with NPCs are vastly more like a well-run TT RPG campaign with a GM/DM who does indeed work with the players to have a good time (since the 1990s this has usually been expressed as "be a fan of the characters" or something similar - relevant to gaming, Mike Pondsmith of Cyberpunk 2020 fame was one of the first people I saw write this sentiment down).
(As an aside, more modern TT RPGs are often mechanically asymmetric too, the age of NPCs/enemies playing by the same rules as the PCs largely ended sometime in the 2000s, and it had been mortally wounded since like 1993. The experience is similar or even better for players, and the work for the GM/DM is massively less.)
I guess my point is that it's not the case that CRPGs can't do that - it's just that, aside from Bioware, they relatively rarely do it.
Since it was discounted on Humble Store I got a Steam copy of Rebel Galaxy Outlaw and I started doing the achievements starting the game from scratch with a new save.
This time I did the Bountiful Vista quest earlier so I decided to try the Dingo for later story missions, better cargo space than the Coyote and double the missiles but half the hardpoints.
The Durston served me well for a while and made me a lot of money but even with max shields and armour it just was too easy to get hit and it was difficult to aim all guns consistently which is not ideal for story missions. I'm also playing on old school difficulty so autoaim is disabled and there is only some basic laser convergence that doesn't always kick in.
I kept the Sonora for longer than last time but with so many heavily shielded opponents in story missions I had to switch to something that could actually whittle them down without running out of energy (hence the Durston and then the Dingo).
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Hanimalle 2020-11-27 17:19:55 UTC #6618
It turns out I'm now addicted to Anno 1800, obviously I have to blame Skalpadda for this. I'm enjoying it a lot despite liking the setting a little less than the two previous Anno games, 2070 and 2205. I wonder if there isn't some witchcraft involved in this given that I tend to lose hours of my life whenever I launch this game.
I'm still In the old world but I believe I'm about to unlock the new world through the current story mission. Looking forward to finding out it's suddenly Christmas the next time I exit my session .
Hanimalle:
I'm terribly sorry.
I think these sorts of games are just really good at always putting small things to do right in front of you. There's rarely any rush to do anything but you have like 20 small projects on a constantly updating to-do list. It's dangerous and thank god it has that "increasingly snarky reminders to take a break every hour" feature. I also set alarms on my phone sometimes when I play games.
I'm also still playing Anno 1800. Started a new game just to get the campaign done (got halway through it before and then switched to a big sandbox game). I figured it'd be fast, just build stuff up and play through the missions. And here I am, 20 hours in, decorating my Caribbean tourist trap island and trying to figure out which combination of plants in my botanical garden will attract the most visitors. Damn it.
Oh I'll give two tips that are good to know early on: 1. Don't fight the pirates unless you really want to. At least Anne Harlow in the Old World is a very good character to have a trade relationship with as she sells some nearly unique and extremely good stuff. New World pirates less so but they can still be a useful trade partner. 2. Don't ally with anyone unless you're playing a very military-focused game. They will drag you into wars and ruin your standing with other NPCs. Trade relationships are always good though.
I have been playing some Reassembly again. Just about ten hours before I removed it from my "Currently playing"-section again. Basically, I had always wanted to add some more specialized ship types to one of the factions I had been playing with, improve some designs and so forth. I then put a good amount of hours into my Tinkrells, which are all about their unbalanced, ridiculous modular cannons. I spent some time making some more efficient ship designs for the fleet and eventually earned enough C to be able to build the final 8000p-ship. Which turned out to be exactly what everyone seems to bemoan (in tournament settings) as completely unbalanced death cannons that basically kill anything with one sustained salvo if it hits. My design isn't optimized at all and it can shoot for maybe three seconds and it still kills even my most resistant designs in maybe two partial hits.
But I'm finished with it again for now, so I'm doing another Endless Space-campaign with the Automatons. Serious-difficulty in a Huge Ring galaxy with seven factions. The maps size seems to have helped and in spite of closing in on turn 90 I haven't had to defend myself against anybody so far. I'm now taking some colonies far away from my core systems, which I'll probably lose, but I wanted to try it. At the moment I'm mostly trying to figure out what kind of victory I want to go for. I think it will probably have to be an economic victory again. My faction has mostly trade and industry advantages after all. And the latter can still partially be converted into dust. The scientific victory looks to complicated with my faction not really being set up for it and expansion/aggression usually just leads to an economic victory anyway.
I've been playing A Hat in Time. It's a really, really solid platformer. The first level felt kind of rough, but as the game goes on it just keeps getting better. It feels like it's aping Mario 64, which is good, since even a halfway decent attempt to make that game will result in a pretty good project.
That's quite alright, given how many games fail to keep me invested in the long term lately, it's always a lovely surprise whenever I find one that does, most likely for the reasons you said and expressed in your second paragraph.
I hesitated as well at first but given that the campaign does merge with the sandbox once you're through with it I thought why not. It's thankfully not too intrusive and gives you a lot of leeway in how you achieve some of the objectives it throws at you.
Thanks for the tips Skalpadda.
I must admit that the pirates have been really annoying. Despite me not wanting to fight them, they usually appear right after I complete one of the objectives that involves using your navy, including those linked to the story. They've sunk quite a few of my ships already, including my flagship. I have to try and make peace with them if at all possible.
And yeah, I definitely will not ally with any of the other characters, as they do tend to go to war with one another quite regularly. It's one thing that's always been true of the Anno series, the combat is always the weakest part and avoiding it whenever you can is generally a good idea.
I had a look at a Let's Play of Anno 1603(?) which is the only one I own. I think it's the first one and it's very old.
I feel like it's the kind of game that might be quite good for these times, but it also looks like the kind of game which will take up a lot of time and also take a long time for anything to happen.
If I had a slightly newer version I'd be tempted to give it a spin.
Slight spoilers but only for mechanics:
Easiest way to get the pirates on side is to go into the diplomacy window and request ceasefires. It'll cost a couple of thousand (the price drops the better your standing with them is) but you'll be completely safe for two hours and it gives a large boost to reputation. You get a warning when the ceasefire ends so you can immediately sign a new one. Eventually they'll offer you a peace treaty of their own accord and after that you can flatter/bribe them and/or do some quests until they offer you trade rights.
Once you have trade rights you can set up a ship to automatically buy weapons from the pirates and sell them to Isabel Sarmento in the New World (I'd suggest a clipper buying 100t from each pirate). It's a decent profit and the continuous trade will keep your reputation up so you don't have to micro-manage it anymore. If you have the Sunken Treasures DLC you can do the same with even bigger profits by buying gold from pirates and selling it to Old Nate in Cape Trelawney but that's only available when you have that unlocked and have reached Investors, so pretty far into the game.
It might sound like a lot of work but it's worth it. Anne Harlow will buy any surplus beer you have for much higher prices which is helpful for cash early game. More importantly she occasionally sells Pirate variant ships (faster attacks and faster speed) and later in the game Extravaganza Steamers (best ship for expeditions other than the Great Eastern which you can only have one of) and Porphyrian Battle cruisers (tankiest ship in the game with higher damage but shorter range - I don't use them but I probably should). Pirates also sell Advanced Weapons, which are very expensive but the production chain to make them yourself is a serious PITA so being able to skip it entirely is a blessing.
edit: I think Archibald might sell you a new flagship at his harbour after a while btw. It's handy to have one as it's free both in terms of upkeep and influence.
It is kinda slow, as was Anno 1404 (the only other Anno I've played) but there are always lots of different things to manage so you're not sitting around waiting for things but constantly multi-tasking. I definitely wouldn't recommend it to anyone without a lot of time to burn because it does take a long time to play through (and is potentially almost endless).
It's also very "German" in some ways. You're essentially constantly tinkering and optimising an ever larger machine with the added layers of some occasional fights and making things pretty. I imagine it'd be a very boring game to watch a LP of.
I did quickly up it to 1.5x speed. I imagine it's more interesting to play than to watch though.
Thank you for all this, you're a veritable treasure trove of information on this game and not having to worry so much about the pirates will make my life a lot easier.
I've just finished Shenmue III.
In some ways, I find the game's determination to walk the path it originally laid out quite charming. It often feels like the only cultural touchstones Shenmue III has touched during its creation was Shenmue I and Shenmue II, which is kind of extraordinary, if you think about it. I do think there is value in a game that is willing to take its time; to baste in its pecadillos, and to slow roast in the juices of its jank. Part of me is completely absorbed by the process. I embrace the slow routine of it all, I breath in a facsimile of China in the 80s that I have no personal ability to authenticate but that lives solely in these games. Often I feel like the game is telling you off for wanting to go quicker, in the same way its characters chastise Ryu's impatience to go avenge his father. Your frustrations are Ryu's frustrations. It's kind of neat. It's definately not intentional, but it is neat.
I mostly enjoyed my time with it, but Shemue III is a game that's impossible to recommend for fear that you might accidentally be torturing someone by doing so. It is a gleefully turgid game, the central draw of the main story isn't really there, as the entirely game only moves it forward by the smallest thimble of degrees. Nostalgia, Stockholm Syndrome, and a particularly resolute state of mind fuel this game; I can acknowlege that I like this game, or this series. I can acknowledge that it isn't a game that is 'for everyone', whatever that means. Every positive thought is tinged with barbed wire, and the understanding that this might just be one of those crap games you love.
In fairness, a lot of the frustrations come from the DNA of it's predecessors, which means they may not matter to people like me who are already 'in the ecosystem'. It does contribute a few new irritations; the main one being a Stamina system which depletes over time and is meant to represent your need for food, but it's also your health meter, which means you can run into fights with barely any health if not prescient, plus being on low stamina stops you from being able to run at all, slowing you to a crawl when you're trying to go buy some food to sort it out. It's not fun mechanically, and it doesn't even really result in realism, as I don't know about you, but if I get hungry (possibly due to a beating), I might choose to eat one banana - I certainly wouldn't try to down six; as the only fight you'd be prepping for after doing that is one with your own bowels.
Towards the end of the game (no spoilers; as there is nothing to spoil), Ryu turns to someone and says 'Please, if you know something, tell me.' I think this is an extremely efficient sentence, as it both distils the central premise and mechanics of the game to its absolute core, and could also double as the subtitle for the series. This made me chuckle and also feel sad at the same time. Such is the power of Shenmue.
Also, while it has no real bearing on anything, the art design of the characters is massively inconsistent, with some people looking like God's first clay drafts. Things that could only approximate being labelled humanoid by the most generous of reviewers. It's a deeply weird game to look at. Sometimes capable of surprising beauty, sometimes shockingly ugly. That could be a plus or a minus depending on how curious you are.
So yeah, if you're new to the series, probably don't play it. Or don't go and play the old ones and then play this, which would make more sense to a sane person - though also seems insane because you'd have to invest serious time in two decidedly ropey and hilariously old-fashioned games before getting to this one. If you're a fan, then sure, maybe Shemue III will work for you, but it really doesn't actually matter to the main story. If Yu Suzuki gets to make Shemue IV, there is a 75% chance you could just start there and not even notice the jump from Shenmue II. Saying that, if you are a fan of the series, as I am, then there's probably no point telling you to play it or not, as you're probably already planning to regardless. You absolute nutter.
I had a look at a Let's Play of Anno 1603(?) which is the only one I own.
1602; the sum must always be nine. Used to watch a friend play that quite a lot back in the day. We didn't even have a PC back then.
I started playing Into the Breach, and I absolutely love it. The gameplay is fun and unique. Similar to FTL it focuses on a core few game mechanics and those are so well-conceived they practically sing. Normal mode has adequate difficulty and easy mode is fun for experimenting. Random content is much, much better parceled out than FTL (the Crystal planet quest is fucking ridiculous.) The reset really encourages you to rethink a turn, and certain pilots (especially the Zoltan) really get you to change your strategy.
The one problem I have is that the starting mechs seem much more versatile and have higher burst damage than most of the other teams. I get that you're supposed to think a turn or two ahead, but that's hard when you have fliers that can move across most of the map, and don't know what's coming up. Most of the other squads seem like they have one very strong mech, and the rest of the strategy centers around it. Sometimes the third mech is a complete throwaway (hook mech), or self-damaging weapons cripple mechs.
But all that is minor griping about a game that's one of the most elegant I've played since FTL.


text:
Чемпионат Европы по художественной гимнастике — международное соревнование, проводимое Европейским гимнастическим союзом (UEG). Первый чемпионат состоялся в 1978 году.

Чемпионаты

Призёры

Индивидуальное многоборье

Групповое многоборье

Медали в индивидуальном и групповом многоборье по странам

Примечания

Ссылки
 Официальный сайт Европейского гимнастического союза (UEG)
 Список Чемпионатов Европы на сайте Gymmedia

Соревнования по художественной гимнастике
Спортивные соревнования, регулярно проводимые с 1978 года

redpajama_set_name: RedPajamaWikipedia


After being discontinued in 2002, the 2020 Toyota Supra will arrive in dealerships this summer with a starting price around $50,000.
Volkswagen unveiled the 2020 Passat at the Detroit Auto Show. Scott Keogh, CEO of Volkswagen Group of America, says VW sees "opportunity" in the sedan space.
Saudi Arabia's energy minister Khalid Al Falih tells CNN's John Defterios that while he doesn't "see a big economic recession," corrective actions are "easily within our control."
CNN's Fredricka Whitfield talks with farmer John Boyd Jr. about how the lack of government bailout money is impacting farmers.
Brian Stelter says the first draft of history about Trump and Russia is still "woefully incomplete." With new stories about the FBI's concern that Trump was possibly a pawn of the Russians, Stelter asks, "Why are these leaks happening? What does Robert Mueller know? And how much longer will we all have to wait for answers?"
Megyn Kelly is heading to the exit at NBC. But did she ever have a chance trying to transform her Fox News persona in today's stratified media climate?
Billionaire and Amazon CEO Jeff Bezos finds himself the target of The National Enquirer, which has developed a reputation for going after President Donald Trump's enemies. CNN's Jason Carroll takes a closer look.
Purchased by the Abu Dhabi Investment Council in 2008, New York's Art Deco masterpiece the Chrysler Building is headed back to the market.
President Trump will speak on the border wall and the government shutdown in a rare televised address to the nation.
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Furloughed federal employees across the country continue struggling to make ends meet as the government shutdown drags on. CNN's Suzane Malveaux reports.
Brian Stelter says Trump and his allies are pushing phony and misleading information linking terrorism to immigration. Frank Bruni says they are "knowingly lying in the service of their political goal." David Frum and Karen Finney also weigh in.
William Arkin, fresh off his decision to leave NBC, levels a blunt media critique. The "Trump circus" is getting too much attention, he says, at the expense of in-depth reporting. "Part of our responsibility as journalists is to cover the government, not just the president," he tells Brian Stelter.
Federal Reserve Chairman Jerome Powell says he would not resign if pressured to do so by President Donald Trump.
Volatility is nothing new. We've just been spoiled.
The recent spike in market volatility is spooking investors, but Christine Romans explains it's actually just how markets work.
At the American Economic Association conference in Atlanta, Federal Reserve Chairman Jerome Powell reiterated the strengths of the economy but also signaled the Fed would remain flexible in its management of interest rates.
US businesses added 312,000 jobs in December, well above what economists expected and underlining that the American economy remains strong despite recent market turbulence. CNN's Christine Romans reports.
Rep. Nancy Pelosi (D-CA) was officially elected the new House speaker as the Democrats take charge of the House of Representatives. CNN's Manu Raju explains what this may mean for President Donald Trump.
Kevin Hassett, chairman of the White House's Council of Economic Advisers, says "a heck of a lot" of US companies with sales in China will follow Apple's footsteps by downgrading their outlooks.
Netflix has blocked an episode of the comedy show "Patriot Act" that tackles the killing of journalist Jamal Khashoggi from streaming in Saudi Arabia after officials from the Kingdom complained.
Residents in some states are enjoying gas prices below $2 a gallon. President Trump tweeted "Do you think it's just luck that gas prices are so low, and falling? Low gas prices are like another Tax Cut!" CNN's Christine Romans reports.
Uncertainties plaguing 2018 continue into the new year. CNN's Alison Kosik reports.
Despite a record-setting year for stocks, the Dow finished with its worst December since 1931 leaving investors looking to 2019 for a fresh start.
The stock market is on track for its worst December since the Great Depression leaving investors looking for a fresh start in 2019.


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text:
Ernest Borgnine >
Ernest Borgnine Fun Facts, Quotes and Tweets
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Demand for silicone elastomers is projected to expand at an above average 4.4% per year to US$1.8 billion in 2022, according to Silicones Market in the US, a new study from The Freedonia Group.
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Eyeliner is rated 4.0 out of 5 by 2.
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text:
Bounties Procedure Act 1907
Act No. 1 of 1908 as amended, taking into account amendments up to Act No. 93 of 1966
Start Date 01 Dec 1966
End Date 24 Jun 1986
Date of repeal 24 Jun 1986
Repealed by Statute Law (Miscellaneous Provisions) Act (No. 1) 1986
BOUNTIES PROCEDURE ACT 1907 [Note: This Act is "repealed" by Act No. 76 of 1986]
(#DATE 29:10:1966)
Compilation Information
- Reprinted as at 29 October 1966
BOUNTIES PROCEDURE ACT 1907-1966 - TABLE OF PROVISIONS
BOUNTIES  PROCEDURE  ACT 1907-1966
TABLE  OF  PROVISIONS
1.        Short title
2.        Definitions
3.        Judge to be guided by equity and good conscience
4.        Power to appoint assessors
5.        Representation
6.        Power to issue orders to take evidence
7.        Powers of Judge
8.        Contempt
9.        Contempt by witness
Evidence as to trade secrets and financial position
10.       Protection of witnesses
11.       Employers not to dismiss employees
Onus on employer
12.       Employee not to cease work
Onus on employee
13.       Intimidation of witnesses
14.       Judge may prohibit publication of evidence
15.       Powers of authority to whom application referred by Judge
16.       Power to make Regulations
BOUNTIES PROCEDURE ACT 1907-1966 - SECT. 1.
Short title.
BOUNTIES  PROCEDURE  ACT  1907-1966
Title amended by No. 45, 1934, s. 2. An Act relating to Procedure on
Applications for a Declaration under any Act relating to the Payment of
Bounties.
Short title amended; No. 32, 1918, s. 2.
1. This Act may be cited as the Bounties Procedure Act 1907-1966.*
Substituted by No. 45, 1934, s. 2.
2. In this Act, unless the contrary intention appears-
''Application'' means an application made under any Act relating to the
payment of bounties for a declaration as to what wages and conditions of
employment are fair and reasonable for labour employed in the production of
goods in respect of which a bounty is payable;
''The Judge'' means a Judge of the Commonwealth Court of Conciliation and
Arbitration and includes the Chief Judge and any Commonwealth authority
established for the purpose of determining wages and conditions of
Judge to be guided by equity and good conscience.
Cf. 1904, No. 13, s. 25.
Amended by No. 45, 1934, s. 2.
3. In the hearing and determination of any application the Judge shall act
according to equity good conscience and the substantial merits of the case,
without regard to technicalities or legal forms, and shall not be bound by any
rules of evidence, but may inform his mind on any matter in such manner as he
thinks just.
Power to appoint assessors.
Cf. 1904, No. 13, s. 35. Sub-section (1) amended by No.  45, 1934, s. 2.
4. (1) The Judge may at any stage of the application appoint two assessors
for the purpose of advising him in relation to the subject matter of the
application or any matter in connexion therewith, and the assessors shall
discharge such duties as are directed by the Judge.
(2) One of the assessors shall be a person nominated by the applicant, and
the other shall be a person nominated in the interests of the employees in
such manner as the Judge may direct.
(3) If default is made in nominating either or both of the assessors as
required by the Judge, or if the persons appearing on the application consent,
the Judge may appoint an assessor or assessors without any nomination.
Representation.
5. On the hearing of any application no party shall (except by consent of
all the parties and by leave of the Judge) be represented by counsel or
solicitor.
Power to issue orders to take evidence.
Sub-section (1) amended by No. 45, 1934, s. 2.
6. (1) The Judge may issue an order to any person to take evidence on his
behalf in relation to any application and that person shall have all the
powers and be subject to all the duties of the Judge in relation to the
summoning of witnesses the production of books and documents and the taking of
evidence on oath or affirmation.
Amended by No. 45, 1934, s. 2; and No. 93, 1966, s. 3.
(2) No person taking evidence under this section shall disclose any evidence
relating to any trade secret or to the profits or financial position of any
witness or party except to the Judge.
Penalty: Two hundred dollars.
Powers of Judge.
7. The Judge shall, as regards any application, have power-
(a)  to refer any technical matters or matters of account to an expert, and
to accept his report as evidence;
(b)  to summon any person as a witness, and to compel the production before
him of books documents and things for the purpose of reference to such entries
or matters only as relate to the application;
(c)  to take evidence on oath or affirmation; and
(d)  generally to give all such directions and do all such things as he
deems necessary or expedient in the premises.
8. No person shall, during the hearing of any application, wilfully insult
or disturb the Judge, or interrupt the proceedings on the application, or use
any insulting language towards the Judge or by writing or speech use words
calculated to improperly influence the Judge or any assessor or any witness or
to bring the Judge into disrepute, or be guilty in any manner of any wilful
contempt of the Judge.
Contempt by witness.
9. No person who has been summoned to appear or who has appeared on any
application as a witness shall (without just cause the proof whereof shall lie
on him)-
(a)  disobey the summons to so appear; or
(b)  refuse to be sworn as a witness; or
(c)  refuse to answer any question which he is required by the Judge to
answer; or
(d)  refuse or fail to produce any books or documents which he is required
by the Judge to produce.
Evidence as to trade secrets and financial position.
Provided that no person shall be compelled to give any evidence relating to
any trade secret or to the profits or financial position of any witness or
party except to the Judge or to some person ordered by the Judge to take
evidence on his behalf in relation to any application.
No such evidence shall be disclosed or published in any way without the
consent of the person entitled to the trade secret or non-disclosure.
BOUNTIES PROCEDURE ACT 1907-1966 - SECT. 10.
Protection of witnesses.
10. No person shall use, cause, inflict, or procure any violence,
punishment, damage, loss, or disadvantage to any person for or on account of
his having appeared as a witness on any application, or for or on account of
any evidence given by him on any application.
Penalty: One hundred dollars.
Employers not to dismiss employees.
11. No employer shall dismiss any employee from his employment on account of
the employee having appeared as a witness, or for or on account of any
evidence given by him on any application, or on account of any award or
declaration made in respect of any application.
Onus on employer.
In any proceeding for any contravention of this section it shall lie upon
the employer to show that the dismissed employee was dismissed for some reason
other than those mentioned in this section.
Employee not to cease work.
12. No employee shall cease to work in the service of an employer on account
of the employer having appeared as a witness, or on account of any evidence
given by him on an application, or on account of any award or declaration made
in respect of any application.
Penalty: Twenty dollars.
Onus on employee.
the employee, who has ceased to work in the service of the employer, to show
that he ceased so to work for some reason other than those mentioned in this
Intimidation of witnesses.
13. No person shall, by any threat or detriment or disadvantage of any kind
whatsoever, or by any offer or promise or reward or advantage of any kind
whatsoever, induce or attempt to induce any other person to refrain from
giving evidence on any application.
Judge may prohibit publication of evidence.
14. (1) The Judge if he sees fit may prohibit the publication of any
evidence given in relation to any application.
(2) No person shall publish any evidence the publication of which is
prohibited by the Judge.
Powers of authority to whom application referred by Judge.
15. Where an application is referred by the Judge to a Judge of the Supreme
Court of a State or to any person or persons who compose a State Industrial
Authority, the Judge or the person or persons who compose the State Industrial
Authority shall have all the powers and privileges and shall be subject to the
duties which are by this Act vested in or imposed upon the Judge.
Power to make Regulations.
16. (1) The Judge may, subject to the approval of the Governor-General, make
regulations prescribing the practice and procedure on applications, and
subject to such regulations the practice and procedure on any application
shall be as directed by the Judge.
(2) Until such Regulations are made, the practice and procedure on any
application shall be as directed by the Judge.
(3) Regulations made under this section shall be deemed to be Statutory
Rules within the meaning of the Rules Publication Act 1903.
BOUNTIES PROCEDURE ACT 1907-1966 - NOTE
1.  The Bounties Procedure Act 1907-1966 comprises the Excise Procedure Act
1907 as amended by the other Acts specified in the following table:
Number                       Date of
Act                         and year        Date of
Assent       commencement
Excise Procedure Act
1907                        No. 1, 1908     18 Feb 1908  18 Feb 1908
Statute Law Revision Act
1934                        No. 45, 1934    6 Aug 1934   6 Aug 1934
Statute Law Revision
(Decimal Currency) Act
1966                        No. 93, 1966    29 Oct 1966  1 Dec 1966


A ten day escape to Gozo island was exactly what I needed, after an insanely intense work schedule before and during the Fashion Week. Malta welcomed us with everything we knew it will offer and were longing for: a warm salty breeze, solar energy, beautiful country and sea side views, calmness. The cherry from the top came in the shape of a villa, our wonderful accommodation for the stay (thank you Skibi!).
Below, I put together a set of photographs that shows bits of our holidays and although I've been working a big part of the time, I am happy that I had the chance to go out from my temporary office to enjoy the Mediterrean nature.


When one thinks of permanent magnet bracelets and jewelry, one may think about chunky and unattractive chunks of magnets that apparently weigh down one's arms. One may set that idea aside as these bracelets can easily greatly benefit the health along with be fashionable and valuable wrist accessories. Magnet therapy has been around for some time now and the improvements in jewelry fabrication possess allowed jewelers to make beautiful and sleek bracelets made from magnets.
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Saxophonist Azar Lawrence (born 1952) needs little introduction, as a young musical prodigy he was lovingly tutored by his mother, who taught music and led their church choir. At age 5, he played violin in the Los Angeles Junior Symphony, then viola, but his ears were turned to the saxophone at age 13. Azar spent his teen years immersed in jazz at the home of his best friend, none other than the late Reggie Golson, son of the great composer/arranger/saxophonist, Bennie Golson. From then on it was jazz, jazz and more jazz! Azar Lawrence began his jazz career at the renowned Dorsey High School Jazz Workshop. After high school he played in Horace Tapscott's 'Pan Afrikan Peoples Arkestra' and started performing in the Los Angeles club circuit. He soon found himself playing with the Ike & Tina Turner band, the Watts 103rd Street Band and War. At the age of 19, Azar joined John Coltrane's drummer Elvin Jones for over 3 years before being invited by McCoy Tyner to join his quartet (an alchemy that lasted for 5 exuberant years). During his tenure with Tyner, he also recorded with Miles Davis on the album Dark Magus at the famed Carnegie Hall. Upon leaving Tyner, Azar Lawrence recorded his own projects on Prestige Records, including Bridge Into The New Age (1974), Summer Solstice (1975) and People Moving (1976). After these three albums it would take over a decade before Mr. Lawrence would record another solo album (Shadow Dancing, released in 1985). Azar went on to record/write and perform with luminaries such as Freddie Hubbard, Busta Rhymes, Roberta Flack, The Headhunters and Mulatu Astatke. His sensational collaborations of the period included writing and performing on Earth Wind & Fire's highly acclaimed platinum album, Powerlight, and on Marvin Gaye's Grammy award winning, Hear My Dear. Azar Lawrence's work was sampled by renowned artists/acts from the likes of Madlib, Cypress Hill... and many others. In the early 2000s, Lawrence surged back onto the jazz scene and continues to electrify audiences with outstanding original compositions and chart hitting albums. His band, The Azar Lawrence Experience (TALE) appears with as many as eight musicians who sizzle to the sounds of Azar's powerful compositions, as well as songs from the Coltrane songbook. To this day TALE dedicates itself to sharing a lifetime of Azar Lawrence's music, art and spirituality with global audiences. On the album Shadow Dancing (released in 1985), which we are proudly presenting you today, you can hear the musical versatility only an artist like Azar Lawrence can deliver. Next to his trademark jazz sound, this album is filled with funk, soul and boogie influences. If you're looking for THE perfect mix of synth filled boogie & jazz-funk where the Sax takes the center stage... then this is a highly recommended gem for your record collection (and a must-have for seekers of rare grooves).
Label: TIDAL WAVES MUSIC
Shadow Dancing
Artist: Azar Lawrence
1. Magic in the Night
2. Shadow Dancing
3. Inside Stuff
4. One More Time
5. Your Love Is Keeping Me Alive
6. Keep It Hot
7. Singapore Nights


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International Convention Exclusive 6″ Han & Leia
Episode V - The Empire Strikes Back
Hasbro is launching its first international convention exclusive, available to fans in UK and Europe ahead of its US release. Fans will be able to purchase this exclusive set featuring HAN SOLO and LEIA ORGANA in their HOTH Attire from EMPIRE STRIKES BACK at Noris Force Con (Germany) for £49.99, followed by MCM London Comic Con (England), Comic Con Paris (France), and Lucca Comics & Games (Italy) in limited quantities while supplies last.
STAR WARS: THE BLACK SERIES HAN SOLO AND PRINCESS LEIA ORGANA Figures
(HASBRO/Ages 4 years & up/Approx. Retail Price: £49.99)
Kids and fans alike can imagine the biggest battles and missions in the STAR WARS saga with new, 6-inch scale figures from THE BLACK SERIES! With exquisite features and decoration, this series embodies the quality and realism that STAR WARS devotees love. These HAN SOLO and PRINCESS LEIA ORGANA figures are carefully detailed to look like the characters from STAR WARS: THE EMPIRE STRIKES BACK, featuring premium detail and multiple points of articulation. Includes two 6-inch figures and four accessories. Limited quantities of this item will be available at other select conventions and may be available at select online retailers after the convention in the relevant market (including HasbroToyShop.com where available). Good while supplies last.
Tags: Hasbro, Princess Leia, Star Wars, Han Solo, star wars black series, leia organa


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A cautionary tale of banking in Tanzania and the dangers of inadequate KYC
It's never good news when a central bank is forced to issue a fine on a major bank in a country. But when the fine is on not one, but five major commercial banks, all for the same compliance issue, that hints at deeper flaws across the entire banking sector.
This particular story played out in September 2019 in Tanzania, the Texas-sized nation in East Africa. The Bank of Tanzania (BOT), the country's main monetary authority, issued fines of over $800,000 on these five banks – I&M Bank ($284,000), Equity Bank ($252,000), UBL Bank $141,000), Habib African Bank ($76,000), and the African Banking Corporation ($63,000).
All five were penalized for "for failure to conduct proper customer due diligence" and for further non-compliance related to reporting suspicious transactions to the government's Financial Intelligence Unit.
Unfortunately, the Tanzanian banking system is no stranger to such stories of banking rule violations and punitive actions by the BOT. Immediately before these sanctions, the BOT had fined two major lenders – The Diamond Trust Bank and National Bank of Commerce – for breaching data rules.
In the last 3-4 years, BOT has been forced to take stern action on multiple occasions against financial institutions in the country. The reasons for the current troubles of the Tanzanian banking sector can be easily gleaned from a quick look at its recent history.
Banking in Tanzania – a snapshot
Up until 1991, the Tanzanian banking industry was firmly in the control of a handful of nationalized banks. But the advent of globalization and liberal reforms in the country's financial sector in the 1990s, the landscape undertook a radical transformation.
There are now 41 commercial banks in the country's banking ecosystem, with total assets worth $14 billion. Many foreign banks like Barclays and Standard Chartered also have a foothold in the country. But despite the large and diverse ecosystem, banking in Tanzania works in practice like an oligopoly – the top five banks together hold more than 50% of the assets.
Two of these, CRDB and NMB – both former state-owned banks, together account for 40% of all deposits in the country and 35% of the total assets. The other major banks include Standard Chartered, Stanbic, Exim, Barclays, Diamond Trust Bank, and NBC – the latter duo was fined in 2019 as mentioned above.
The Tanzanian financial services market shares many of the features found across other developing nations in Africa. The banking penetration rate is quite low at 39% (19% if you exclude mobile banking), leaving massive scope for expansion. And in the past decade, this unbridled expansion has resulted in severe faultlines.
The wider context of banking in Africa
Across the world, the banking industry has been in the doldrums since the 2008-09 financial crisis. Only a few regional markets have bucked this trend in the past decade, and Africa is one of the biggest and brightest spots for bankers.
According to McKinsey, it is the second-fastest-growing banking market in the world (both retail and wholesale combined). While the global growth rate of the industry is somewhere around 3% (2016) with return on equity stagnant between 8-10%, African banks are growing fast at double-digit rates (11% in 2017), with profits twice the global average.
But there are challenges aplenty across the continent for its banks, with low-income levels, over-reliance on cash, and most importantly, high lending risk due to poor credit reporting coverage. The experience in Tanzania over the last 8-9 years highlights how rapid growth can lead to instability further down the road when these fundamental issues are left unaddressed.
Crisis in the Tanzanian banking system?
In December 2018, an IMF report on the state of banking in Tanzania raised significant red flags. According to the international organization, more than half the banks in the Tanzanian market were highly vulnerable to market shocks and carried a high risk of future insolvency.
Undercapitalization was the major threat highlighted by the IMF, with 22 Tanzanian banks carrying 32% of total industry assets at risk of it in the event of adverse market conditions. This was not news to the BOT, which had been forced to revoke the licenses of 5 banks in January 2018 due to critical undercapitalization.
The roots of this malaise lay in the early years of this decade when the Tanzanian economy, and the domestic real estate market, in particular, enjoyed a bull run. Profitability was high, attracting banks to provide a huge number of loans to developers and other businesses in this segment.
When the national economy went into a slump after 2015, the entire banking sector received a systemic shock due to overexposure to the real estate market. Aggressive lending without adequate KYC checks of bad actors in the market played a key part in this slump. Virtually all banks were affected, including the big two – CRDB and NMB.
Across the industry, the Non-Performing Loan ratio (NLP) climbed into double digits, peaking at 11.5% in 2017. The worst-hit banks had an NLP ratio of over 55% that year. Many, like Barclays and StanBic, had to resort to aggressive measures like write-offs to bring down the NLP ratio, suffering fall in profits along the way.
The aftermath – cost cutting & increased regulations
The direct result of the crisis was a tightening of regulations by the central bank. The BOT started taking an aggressive approach, introducing stricter measures – raising total capital ratios, including additional capital conservation buffers, to name a few.
Licenses of the worst offenders were revoked – the number of banks forced to close since 2017 is currently at 9. Other underperforming banks were forced to merge, or their management was taken over by the BOT in some instances.
While things have improved in the last two years, with many banks posting healthy profits in 2018, significant concerns remain. Cost-cutting, lay-offs, and other measures can improve the balance sheets, but as long as customer due diligence remains static, the vulnerabilities will continue to haunt the system.
According to the credit rating agency Moody's, asset quality continues to be a major concern for Tanzanian banks, though things have improved since the horror days of 2016-17. But as the recent fines on major banks by the BOT in 2019 indicates, the problem of KYC due diligence persists in the system.
The future – compliance & digital innovation?
Tanzania still has a tremendous scope for growth. With the advent of mobile technologies, the percentage of the population with access to some form of banking/financial services has jumped from 9% in 2009 to 65% in 2017. But they still need access to core banking services and other credit facilities.
Given the poor track record (and penetration) of credit rating and reporting services in the country, the drastic overhaul may be necessary for the short to medium term. Digital platforms and innovative KYC measures that leverage big data could have a massive role to play.
Nearly 23 million Tanzanians have regular access to the internet, indicating an overall internet penetration of 45%. With an annual growth rate of 16%, this number will surely rise in the coming years, providing new opportunities for the introduction of cloud-based technologies, and data-driven compliance measures.
But at the moment, it is all about stabilization and better compliance. As the BOT continues to increase its regulatory oversight, banks will have to toe the line. Given the still-fragile state of the banking industry in the country, this is a welcome state of affairs for now.
Preetam Kaushik
Journalist/Writer – Published in WIRED, World Economic Forum, Times of India, Economic Times, The Huffington Post and Business Insider.
ACAMS 2019 Vegas: The Inside Track (Day 2)
Addressing the AML risks of cryptocurrencies


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(Redirected from Westinghouse)
Westinghouse Electric Corporation was formed in 1886. Since then they have bouyed up their appliance and electronics sales with diversification into such varied fields as nuclear power, nuclear fuel, electronics for military uses and arms manufacturing.
Westinghouse Electric Company, sold by BNFL to Toshiba in 2006[1], "offers a wide range of nuclear plant products and services to utilities throughout the world, including fuel, service and maintenance, instrumentation and control, and advanced nuclear plant designs".[2] [3]
Top competitors are AREVA, General Electric, and Mitsubishi Heavy Industries. [1]
Westinghouse was acquired by BNFL in March 1999. It currently employs almost 9,000 people worldwide. Headquartered in Monroeville, Pennsylvania, the company now has operations in twelve US states and fourteen countries, and annual sales of some US$1.8bn. Nearly 50 percent of the nuclear power plants in operation worldwide, and nearly 60 percent in the United States, are based on Westinghouse technology.[3]
It controls Britain's only nuclear fuel manufacturing site, Springfield Fuels. [2]
2 Political contributions
4 Contact details
5.1 Related SourceWatch articles
In the 1990s Westinghouse sold their defense division to Northrop Grumman, makers of so called 'smart bombs and nuclear weapons. Some of their other weapons included F-16 and F-4E fighters, the B-52 and B-1B strategic bombers, the AWACS radar plane, the Mk 48 torpedo, the Trident nuclear submarine, and the MX missile.
Westinghouse is the leading supplier of nuclear reactors for the U.S. nuclear submarine fleet.
Although successful in the whitegoods and appliances fields, some of their other ventures have met with controversial and mixed results. In 1982 Brazil threatened legal action against Westinghouse when the countries first ever nuclear reactors failed due to faulty engineering. The Multinational Monitor reports that, "The whole deal is considered a disaster...There is a widespread feeling that we wasted billions of dollars, that this thing will never work, and that Brazil does not need nuclear power." Westinghouse has encountered similar difficulties with its steam generator systems in Yugoslavia, Spain, and Sweden." [1]
In the Philippines, Westinghouse "engaged in a scheme of bribery and corruption to win a contract to build a nuclear facility in the Philippines in the mid 1970s" (MNM Dec 1991). "The plant, a $2.1 billion drain on the Philippine economy (and racking up huge interest charges daily), has never been put into operation....It is situated just five miles from an active volcano and within 25 miles of three geologic faults. Nuclear specialists charge Westinghouse with shoddy construction, pointing to deficiencies in wiring, in brackets that support pipes carrying steam and water (some of it radioactive) and in underground vaults carrying cables between buildings". In 1992 a court ordered Westinghouse to pay the Philippine government $100 million in cash and services.[2]
Westinghouse has also engaged in extensive lobbying and greenwashing of the nukes industry. They have been implicated in bribery of officials in Korea, the Philippines and the Czech Republic to smooth the way for their power plants in particular.
They were the first, in the 60s, to run extensive advertising campaigns extolling the green credentials of nuclear power: "as "reliable, low-cost...neat, clean, safe" using what former Madison Avenue advertising executive Jerry Mander and others at the time as "ecopornography" (Corpwatch, March 2001). They now promote the industry as the solution to global warming. [4]
In the late 90s, they created controversy again when they wrote education materials for U.S. schools on nuclear power. They also give schools grants through the "N-Visioning a Brighter Future" program and 'Student Video Contest on the Forms of Energy'.
In March 2007, Army Secretary Francis J. Harvey, former executive of Westinghouse from 1969 to 1997 in the defence division, was forced to resign over conditions at Walter Reed Army Medical Center.
In March 2007, they approached the Australian government about establishing nuclear power plants in what they call "near-term opportunities" for starting a nuclear power industry in the country. [5]
Westinghouse gave $21,500 to federal candidates in the 2006 election through its political action committee - 19% to Democrats and 81% to Republicans. [4]
Stephen R. Tritch, President and Chief Executive Officer
Jack Allen, Sr. Vice President, Operational Excellence
Dr. Aris Candris, Sr. Vice President, Nuclear Fuel
F. Ramsey Coates Sr. Vice President & General Counsel, Legal & Contracts; Environment, Health & Safety
James A. Fici, Sr. Vice President, Customer Relations and Sales
Anthony D. Greco, Sr. Vice President, Human Resources and Corporate Relations
Daniel S. Lipman Sr. Vice President, Nuclear Power Plants
Dr. Regis A. Matzie, Sr. Vice President, and Chief Technology Officer
Ricardo (Ric) Pérez, Sr. Vice President, Nuclear Services
Shigenori Shiga, Sr. Vice President, and Chief Coordination Officer
Kazumasa Uchida., Sr. Vice President, and Chief Financial Officer.
4350 Northern Pike
Monroeville, PA 15146
Web: http://www.westinghousenuclear.com
Related SourceWatch articles
Defense contractors
Military-industrial complex
Nuclear companies
Nuclear is not the answer to global warming
Nuclear Power and Global Warming
↑ 1.0 1.1 Westinghouse Profile, Hoovers, accessed January 2008.
↑ 2.0 2.1 BNFL press release BNFL, Toshiba Agree to Sale of Westinghouse, February 6, 2006.
↑ 3.0 3.1 Westinghouse website: Company Overview, undated, accessed February 2006.
↑ 2006 PAC Summary Data, Open Secrets, accessed January 2008.
"Westinghouse Reactors Malfunction Brazil Threatens Action," Multinatonal Monitor, July 1982.
"Buying Manila," Multinatonal Monitor, December 1991.
"Behind the Lines," Multinatonal Monitor, December 1992.
Brian Friel and Katy Saldarini, "The Contractor Elite," Government Executive, August 30, 1999.
Joshua Karliner, "A Brief History of Greenwash," CorpWatch, March 22, 2001.
David Lazarus, "Army Chief has Many Pals," San Francisco Chronicle, November 19, 2004.
"Talks on nuclear power," The Courier Mail (Australia), March 12, 2007.
Dave Williams, "Westinghouse big winner in nuclear power push," Atlanta Business Chronicle (Georgia), October 24, 2008.
Retrieved from "https://www.sourcewatch.org/index.php?title=Westinghouse_Electric_Corporation&oldid=711568"
Nuclear PR
Civil nuclear industry
Civil nuclear industry in the US


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Fenwick's Patent Litigation Group Receives Top Rankings by Patexia
Fenwick's Patent Litigation Group and members of the team were recognized by Patexia in its second annual Patent Litigation Report, which ranks the top 100 best performing and most active patent litigation law firms and lawyers. The report covers the period from July 1, 2017, through June 30, 2021, and evaluates a total of 14,506 patent cases, as well as the 3,050 law firms and 14,685 lawyers involved in those cases.
Fenwick received several recognitions across Patexia's performance and activity rankings, most notably the Best Performing Law Firm Overall (Representing Defendants and Plaintiffs) and the Best Performing Law Firm Representing Defendants. The team was also recognized as the 12th Most Active Law Firm Representing Defendants and 20th Most Active Law Firm Overall (Representing Defendants and Plaintiffs).
Additionally, of the nearly 15,000 lawyers Patexia evaluated, six Fenwick lawyers were recognized among the top 100 best performing and most active patent litigators in the country, including:
Best Performing Patent Litigators Overall
David Hadden
Saina Shamilov
Todd Gregorian
Ravi Ranganath
Most Active Patent Lawyers Representing Defendants
Michael Sacksteder
Bryan Kohm
From technology, SaaS and ecommerce to games and entertainment to healthcare and biotech, Fenwick's patent litigators have served innovative companies and research entities across the globe for over three decades. Our Patent Litigation Group represents both patent holders and alleged infringers in complex, multi-jurisdictional disputes and is regularly recognized by Managing Intellectual Property, Chambers USA, and The Legal 500.
J. David Hadden
Partner · Litigation
Todd R. Gregorian
Michael J. Sacksteder
Bryan A. Kohm


Conversion Ratio Definition | Finance Dictionary | MBA Skool-Study.Learn.Share.
Thus, it is clear that higher the conversion ratio. Higher is the number of common shares received by converting the security. Since, this ratio is decided in advance at issue, it also affects the security prices in the market.
Certain issues carry a clause where the ratio can be increased in case of stock splits so as to protect the security holder against dilution.
Browse the definition and meaning of more terms similar to Conversion Ratio. The Management Dictionary covers over 7000 business concepts from 6 categories.
Prev: Conversion Privilege.. Next: Convertible Bond Arbit..


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Home News Fifth Sunday of Easter – Lessons from Acts of Apostles
Fifth Sunday of Easter – Lessons from Acts of Apostles
"All the believers devoted themselves to the apostles teaching and to fellowship, and to sharing in meals including the Lord's Supper and to prayer. A deep sense of awe came over them all and the apostles performed many miracles signs and wonders. And all the believers met together and shared everything they had. Each day the Lord added to their fellowship."
This was what made the early Christians stand out in society. "See how these Christians love one another". This sincerity, this humility and simplicity spoke to a society that only cared about success and individuality, but hungered for something real. Society isn't too different today. And for faith to flourish it has to stand in contrast to what society puts forward. And for that to happen, society has to be able to say "Look how those Christians love each other".
Our challenge in these uncertain but exciting times is to support and encourage each other in our friendship with Jesus. To witness to our faith in a very real way by the way we relate with each other, by practising humility. To do that takes a change in heart, a change in the way we view life, in the way we view society, in what we value.
There is an old Indian Legend. It was dusk and the air was still, as the wandering holy man settled under a tree. There he would spend the night, with a stone for his pillow. He had few belongings and had long ago given up the idea of becoming successful, or of making a lot of money or even of being popular. He had whatever he needed, and he needed very little. His evening meditation was disturbed by the shouts of a business man who came running up to him ."I had a dream last night", he told the holy man." In the dream I was told to come to you and that you would give me a priceless stone that I have been looking for all my life. I can't believe that I have found you". The holy man rummaged through his small bag which kept his possessions and said, "perhaps this jewel which I found earlier today is the stone from your dream. It's very beautiful, please take it".
The business man's mouth dropped open and his eyes grew large with delight. As he carried the huge diamond home he was bursting with pride. He would never see a poor day again. But the feeling did not last long and by the end of the day was deeply troubled trying to plan what he would do with his riches. How changed forever his life would be! But that night he couldn't sleep, there was something about the holy man that disturbed him to the core. Before dawn broke he got up and made his way back to the holy man. The holy man was already up and the business man laid the precious jewel at his feet and said, "I have a more important favour to ask you now. Please, can I have the most important gift of all? Give me the secret that made you give this precious stone away".
(PD, 2013)


SharePoint, ASP.Net, JQuery, SQL Solutions: Sql Server error message "don't allow remote connections"
Sql Server error message "don't allow remote connections"
If your Sqlserver gives error like "don't allow remote connections" etc….
Main cause for this error is, you are trying to connect to remote sqlserver, but on that server, remote connections option was disabled.
Do the following to solve the problem.
Start -- All Programs -- MicrosoftSqlServer2005 -- Configuration Tools -- SqlServer Surface Area Configuration -- Surface Area Configuration for Services and Connections -- choose your server(MSSQLServer or SQLEXPRESS) -- Database Engine -- Remote Connections -- Using both TCP/IP and namedpipes, click Apply then Ok.
Note: You must restart your server after change this configuration. Go to Administration Tools -- Services -- your server (MSSQLServer or SQLEXPRESS) -- restart/start.
Very informative this crap error comes a thousand times,also when we are configuring sql on both systems we have to make sure that the firewall is allowing these connections,sometimes the same error is due to this reason.
Also if we want to connect to console i.e Management Studio in this case then we have to make sure that Sql Browser service is turned on and running.


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Cathy G. Vaughn is a full-time copper artisan at her studio, Tracery 157, in Richmond Va. She received her BFA from the University of South Carolina and spent over 25 years as a graphic designer. She is a member of the Central Virginia Blacksmiths Guild, the Carolina Designer Craftsman Guild (Raleigh, NC), and the Pennsylvania Guild of Craftsmen. She grew up in rural South Carolina and learned the makers' ethic from her father, a master Marquetarian. She currently resides in Richmond, VA., where she taught herself the basics of coppersmithing and began her love of working with copper over 20 years ago. Her works range from elegant hand-wrought copper candelabra, hand-hammered copper bowls, and her signature work of verdigris abstractions on copper.
Commissions and custom pieces are available. Please allow three months for your custom piece, and contact us to reserve time today in our studio schedule.
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To promote communication and programs within the community to encourage understanding, acceptance, and inclusion of all children with disabilities.
SEPAC Board Members: For the 2014-2015 school year, the SEPAC Board consisted solely of Marisa Carnevale Ronan, Chairperson. After serving four years on the Board, Marisa Ronan is stepping down as of June 30, 2015.
In addition, the following SEPAC members served as PTO liaisons: Kerry Ni, South Elementary; Sharon Burnett, Plymouth River School; Holly Pilotte, East Elementary; Marisa Ronan, Hingham Middle School.
SEPAC Meetings: The SEPAC met on the second Tuesday of each month in the Fearing Room of the Hingham Public Library. In keeping with the state's Open Meeting Law, monthly meetings are posted at least 48 hours in advance, minutes are kept, and the Director of Student Services in compliance with the Public Records Law maintains agenda/attendance sheets.
SEPAC Accomplishments: Due to the lack of board members and volunteers the SEPAC was forced to significantly scale back its agenda and activities for the 2014-2015 school year. The SEPAC's primary activities this year were holding the monthly meetings and maintaining the Hingham SEPAC website (www.hinghamsepac.org) and Facebook page. There were no presentations sponsored by the Hingham SEPAC this year other than the required basic rights and responsibilities.
SEPAC Outreach: The Hingham SEPAC Facebook presence and engagement grew during the year, with the number of "Likes" increasing 35% over the past 12 months. As social media is an increasingly important outlet for any organization, this growth in our reach is significant, particularly given the general lack of interest and enthusiasm generally demonstrated by our membership. Facebook will continue to be an important avenue for communication in the future.
SEPAC Finances: The cash balance in the SEPAC account as of June 9, 2015 was $10,137.39. SEPAC funds are deposited with and held as a separate account by the Town of Hingham's Accountant until use by the SEPAC.
collaborate with the HPS administration and Director of Student Services to the benefit of students receiving special education services.
The Hingham SEPAC looks forward to furthering its mission and goals in the 2015-2016 school year.