Almost every insurance policy ("policy") requires an insured to comply with certain requirements if there is any loss or damage to property which is covered by the policy. These requirements are usually identified as "Duties After Loss." One of the most important Duties After Loss is an Examination Under Oath ("EUO").
An EUO is a formal proceeding during which an insured, under oath and in the presence of a court reporter, is questioned by an insurance company representative regarding the issues related to the insurance claim. An insurance company representative can be an insurance company adjuster, an independent adjuster, an attorney who represents the insurance company or any other representative. The purpose of the court reporter is to transcribe all of the questions and answers during the EUO and then prepare a transcript of the EUO. The EUO transcript is then given to the insured and any other persons questioned during the EUO for their review. Each person who testified during the Examination Under Oath will be asked to read the Examination Under Oath transcript and make any necessary changes to their testimony so that the transcript is true and correct. Each person who testified during the EUO will then be asked sign the EUO to verify the truthfulness of their testimony and any changes made to the EUO transcript.
The requirement that an insured submit to an Examination Under Oath is a contractual obligation that is based on policy language. This language normally requires an insured to: "submit to an EUO while not in the presence of another insured …and to sign the same." An EUO can be one of the most useful tools available to an insurance company in determining whether a loss is covered under the policy and the amount of the loss covered by the policy.
Generally, the policy language will allow the insurance company to take an EUO of the named insured, any insured seeking coverage under the policy, and any persons assisting the insured in submitting the claim. Under this provision, if a public adjuster has assisted the insured in submitting a claim, then the public adjuster may be requested to submit to an EUO. The specific policy language will normally determine the persons who are required to submit to an Examination Under Oath.
While an Examination Under Oath is similar to a Deposition, one of the significant differences is that the insured's attorney should not object to a question and instruct the insured not to answer that question. If the question relates to material information regarding the claim, then the insured's refusal to answer the question can be sufficient grounds for the insurance company to deny the claim.
Another issue which is sometimes raised regarding an Examination Under Oath is whether an insured must submit to an EUO if the insured has already given a recorded statement to a representative of the insurance company. Most courts hold that a recorded statement is not a substitute for an EUO. Consequently, if an insured, who has previously given a recorded statement, is asked to submit to an EUO, the better choice would be for the insured to submit to an Examination Under Oath.
In conclusion, an Examination Under Oath can be a very useful tool for an insurance company to use in investigating an insurance claim. Most courts have held that an insured's refusal to submit to an EUO is an absolute bar to coverage. Therefore, it is in the best interest of the insured to comply with a request from the insured company to submit to an Examination Under Oath.
If you need assistance with an Examination Under Oath please contact Max Factor.
https://www.maxfactorlaw.com/wp-content/uploads/2014/08/lawyer-logo.png 0 0 Max Factor https://www.maxfactorlaw.com/wp-content/uploads/2014/08/lawyer-logo.png Max Factor2016-06-27 19:30:122016-06-27 19:30:12What is an Examination Under Oath?


First, I must apologize. I apologize once again to those innocent victims who were abused by priests who committed crimes and grave sins. I also apologize for any of my own failures in adequately addressing that abuse. As you know, when we receive a report of the sexual abuse of a child, we have procedures in place to respond to the victims and to ensure that any priest who has abused a child is removed from ministry. For the six years that I have been bishop, annual external audits have found our diocese to be in full compliance with the Charter for the Protection of Children and Young People and the Essential Norms for dealing with Sexual Abuse of Minors by Priests or Deacons. As you are aware from recent reports, I have not acted in the same manner when the victim was an adult at the time of the abuse. As one mother with 16 year old and 19 year old sons recently wrote to me, "We moms need firm assurances that everything is being done to protect kids like them. That is where the frustration comes from." Of course this is true. I hear her.
I know that some will not be satisfied with these changes and that some may question, based on my past inadequacies, whether I have the capacity or the will to punish abusers and to protect the innocent. All I can do is promise you that my heart is in this struggle and that, with the help of God's grace, I will make every effort to steer this diocese through this time of trial.
Leaving this diocese in the middle of this daunting challenge would probably be easier for me personally, but I intend to meet it in the best way I can for the next few years, until my retirement in 2021 is accepted by the Holy Father. I pray for God's help and for your support. Let me express my deep gratitude to our committed laity, faithful priests, deacons, religious and lay leaders who continue to serve us day in and day out despite the cloud that currently weighs over us. I remind my brother priests that this a graced moment to recommit ourselves, and myself, to our ordination promises, especially to our commitment to chaste, celibate living and the pursuit of holiness.


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Facilitators and barriers to doing workplace mental health research: Case study of acute psychological trauma in a public transit system
Authors: Links, Paul S.a | Bender, Ashb | Eynan, Rahela; * | O'Grady, Johnc | Shah, Ravia
Affiliations: [a] Department of Psychiatry, Schulich School of Medicine & Dentistry, Western University, London, ON, Canada | [b] Centre for Addiction and Mental Health, Toronto, ON, Canada | [c] Toronto Transit Commission Toronto, ON, Canada
Correspondence: [*] Address for correspondence: Rahel Eynan, PhD, Department of Psychiatry, The Schulich School of Medicine & Dentistry, The University of Western Ontario in London, ON, Lawson Health Research Institute, 750 Base Line Road East, Suite 105-7, London, ON N6C 2R5, Canada. Tel.: +1 519 685 8500 Ext:74914; Fax: +1 519 434 6955; E-mail: Rahel.Eynan@lhsc.on.ca.
Abstract: The Acute Psychological Trauma (APT) Study was a collaboration between an acute care hospital, a specialized multidisciplinary program designed to meet the mental health needs of injured workers, and a large urban public transit system. The overall purpose was to evaluate a Best Practices Intervention (BPI) for employees affected by acute psychological trauma compared to a Treatment as Usual (TAU) group. The specific purpose is to discuss facilitators and barriers that were recognized in implementing and carrying out mental health research in a workplace setting. Over the course of the APT study, a joint implementation committee was responsible for day-to-day study operations and made regular observations on the facilitators and barriers that arose throughout the study. The facilitators to this study included the longstanding relationships among the partners, increased recognition for the need of mental health research in the workplace, and the existence of a community advisory committee. The significant barriers to doing this study of mental health research in the workplace included differences in organizational culture, inconsistent union support, co-interventions, and stigma. Researchers and funding agencies need to be flexible and provide additional resources in order to overcome the barriers that can exist doing workplace mental health research.
Keywords: Workplace mental health, acute psychological trauma, posttraumatic stress disorder, public transportation
DOI: 10.3233/WOR-162264
Journal: Work, vol. 54, no. 1, pp. 73-78, 2016
Accepted 15 June 2015
Issue Supplement 1

redpajama_set_name: RedPajamaCommonCrawl


What is everything made of? Thus far, we can break everything in the universe down to a few very small elementary particles. But they fit into strange patterns that are not understood. Some scientists believe that this is because we can go deeper - perhaps to simple vibrating strings! At TEDYouth 2012, Clifford Johnson describes these ideas, along with the concept of string theory.
Clifford Johnson is a professor and an expert in the fields of physics and astronomy.We often have to study the very, very small to figure how the universe works. Here's a great TED-Ed Lesson about the small parts of the beginning of the universe.String theory is an active research framework in particle physics that attempts to reconcile quantum mechanics and general relativity. It is a contender for a theory of everything (TOE), a self-contained mathematical model that describes all fundamental forces and forms of matter. String theory posits that the elementary particles (i.e., electrons and quarks) within an atom are not 0-dimensional objects, but rather 1-dimensional oscillating lines ("strings").Here's a TED Talk where physicist Brian Greene talks about the multiverse. Here, Greene explains superstring theory, the idea that miniscule strands of energy vibrating in 11 dimensions create every particle and force in the universe.Astrophysicist Neil deGrasse Tyson teases theoretical physicist Brian Greene about the slow progress of string theory. This is from the 2011 Isaac Asimov Memorial Debate where leading voices in science debated the question: Can the entire universe be explained with a single unifying theory?Here's an interesting interview with Neil deGrasse Tyson.This is a video about the two camps: Einstein's theory of general relativity and string theory.
What kind of hidden structures are you looking for?
Do you ever wonder how something works, or try to figure out a complex system? Explain.


Discovery Channel is an American basic cable and satellite television channel that is the flagship television property of Discovery Communications, a publicly traded company run by CEO David Zaslav.
As of June 2012, Discovery Channel is the third most widely distributed cable channel in the United States, behind TBS and The Weather Channel; it is available in 409 million households worldwide, through its U.S. flagship channel and its various owned or licensed television channels internationally. It initially provided documentary television programming focused primarily on popular science, technology and history but in recent years has expanded into reality television and pseudo-scientific entertainment.
Programming on the flagship Discovery Channel in the U.S. is primarily focused on reality television series, such as speculative investigation, automobiles, and occupations; it also features documentaries specifically aimed at families and younger audiences. A popular annual feature on the channel is Shark Week, which airs on Discovery during the summer months. As of February 2015, Discovery Channel is available to approximately 96,589,000 pay television households in the United States.
Animal Planet is an American basic cable and satellite television channel that is owned by Discovery Communications. Originally focused on more educationally-based television shows, the network has recently featured more reality programming since the late 2000s.
It is available throughout the United States, as well as in over 70 countries around the world. Country-specific versions of the channel have been created in Canada, India, Japan, Taiwan and other countries. As of February 2015, approximately 94,288,000 American households receive Animal Planet.
National Geographic Channel is the American digital cable and satellite television channel that is owned by Fox Cable Networks division of 21st Century Fox and the National Geographic Society. The channel airs non-fiction television programs produced by National Geographic and other production companies.
Like History and Discovery Channel, the channel features documentaries with factual content involving nature, science, culture and history, plus some reality and pseudo-scientific entertainment programming. Its primary sister network worldwide, including the United States is Nat Geo Wild, which focuses on animal-related programming, including the popular Dog Whisperer with Cesar Millan. As of February 2015, National Geographic Channel is available to approximately 86,144,000 pay television households in the United States.
TLC is an American basic cable and satellite television network that is owned by Discovery Communications. Initially focused on educational & learning content, by 2001, the network began to primarily focus towards reality-style series involving lifestyles, family life and personal stories.
As of February 2015, approximately 95 million American households receive TLC. The channel has been criticized as a classic case of channel drift for departing from the original nature of its programming, by airing shows of a controversial nature with what is described as having no educational value. TLC programs that have come under fire from critics and the media include Toddlers & Tiaras, Sarah Palin's Alaska, LA Ink, Extreme Couponing, 19 Kids and Counting, Kate Plus 8, Sister Wives, Long Island Medium, Here Comes Honey Boo Boo, My Big Fat American Gypsy Wedding and My Husband's Not Gay.
In April 2012, TLC and Long Island Medium won the James Randi Educational Foundation's annual Pigasus Award, a tongue-in-cheek award for blatant promotion of paranormal or psychic claims. The show's star, Theresa Caputo, won the award for Best Performer.
Discovery Science is a European television channel which features programming in the fields of space, technology and science. The channel originally launched as Discovery Sci-Trek, which focused on science fiction. Its programming is mainly in English and locally subtitled or dubbed.
It is available through numerous satellite, cable, terrestrial and IPTV distributors across Europe and the Middle East. In some countries the advertisement and the announcements between programs are localized. The channel launched as the Discovery Sci-Trek Channel in 1998, initially focusing on science fiction programming. A move away from this format to more general science programming came with the channel rebranding itself as the Discovery Science Channel on 1 April 2003.
Later on, the name was shortened to just 'Discovery Science'. A 1 hour timeshift channel of Discovery Science launched in the UK and Ireland on Monday 21 April 2008 on Sky 549, which replaced a 90 minute timeshift of Discovery Channel, known as Discovery +1.5.


In the 1980s, the government began planning to alter some 2 million road and footpath signs from familiar miles and yards into metric. By the year 2000, the government was planning for this change to take place in just a few years time. In fact, so close were they to implementing this change, that some local councils – in anticipation of the change – were already erecting road signs in metres. As it turned out, A.R.M. discovered that those metric signs were illegal.
In February 2006, the then Secretary of State for Transport, Alistair Darling, announced on B.B.C.'s Question Time, that the government had decided to completely abandon their plans to metricate our road signs. That meant 20 years of careful government planning for this change to metric had been utterly wasted. This article tells the story of how A.R.M.'s campaign forced this historic change.
The idea of forming an organisation to oppose the proposed metrication of signs on our roads and footpaths took place at a garden party in 1999 (in Much Hadham, Hertfordshire) to celebrate the historic election, for the first time, of three UKIP M.E.P.s to the European Parliament.
At that garden party, A.R.M. chairman Derek Norman and A.R.M. secretary Tony Bennett first discussed the importance of maintaining our traditional system of weights and measures. The two of them then cooperated with many others in a memorable campaign of opposition to the government making it a criminal offence to sell goods in pounds and ounces.
It was in April 2001 that Derek and Tony, together with a few committed activists, met to discuss how to defeat the government's metrication plans.
A new branch was established to form the spearhead of an active campaign of direct action, designed – in the first instance – to force councils to remove any illegal metric signs they had already erected.
The direct action campaign began in earnest on Friday, 18 June 2001 in Northampton.
A.R.M. had written to Northampton council demanding the immediate removal of 2 dozen illegal metric signs giving distances to road humps in yards. Northampton council refused.
Dressed in what became A.R.M.'s traditional "uniform" of yellow hi-visibility jackets, Derek and Tony, using no more than a ladder and a spanner, removed the signs, placing them in a roadside ditch several miles from the town. On the Monday after, A.R.M. contacted the press and the council, informing them of the location of the missing signs. The press ran a bold headline: "UKIP Activists Get The Hump over road signs". Northampton council admitted their signs were unlawful. And so A.R.M.'s campaign was well and truly "On The Road".
This successful direct action operation was followed by dozens of other similar raids, many of which you can see more about elsewhere on our website.


24 hours due December 31st biennially based on original year of licensure.
Of the 24 hours, at least 16 hours must be HSW related. All 24 hours can be taken in online courses. The Board accepts courses registered with the American Institute of Architects (AIA).
Dual Licensed Architects & Engineers must earn a total of 24 CEUs every two years for renewal of their architectural license and a total of 30 PDHs for renewal of their engineering license.
Class preparation for teaching architectural courses or seminars for the first time only.
Computer software instructional courses which relate to the licensee's technical profession.
Management or ethical courses which relate to the architectural profession.
Correspondence courses on topics related to licensee's professional practice where lessons are prepared, returned for correction and/or grading and testing at the end of the course is required.
Educational tours of architecturally significant buildings where the tour is sponsored by a college, university or professional organization.
Serving as a mentor or sponsor for the IDP (maximum 2 CEUs annually).
Professional service to the public that draws upon the licensee's professional expertise on boards or commissions, such as: serving on planning commissions, building code advisory boards, urban renewal boards or code study committees.
Self-study courses sponsored by the National Council of Architectural Registration Boards, AIA or similar organizations.
Do you report my results to the Missouri Board?
The way it works in Missouri, you will renew your license and check the box letting them know you completed your mandatory architect continuing education. If the board audits you, they will ask you to provide your certificates of completion for your architect continuing education courses.
We offer online and correspondence continuing education to renew your Missouri architect license. We do not offer any classroom continuing education courses for Missouri architects. We find that most students prefer to complete their continuing education online on their computer, smartphone, or tablet – or out of our course booklet.
Yes, all graduates of our Missouri architect continuing education course will receive a certificate of completion. We can either email, mail, or fax the certificate to you.
What if I still have questions about completing my Missouri architect continuing education courses?


Nuremberg - Given 1. FC Nuremberg's relatively trouble-free 2012/13 Bundesliga campaign, which included several eye-catching performances, it was perhaps inevitable that some of the team's leading lights would be poached by larger rivals.
Fans' nail-biting began in earnest when the departures of Timmy Simons and Timm Klose were announced within days of each other, yet a sense of optimism has since been restored, with promising new recruits enlisted.
That included players like Emanuel Pogatetz, who should assume Klose's leadership role and guarantee the same defensive stability which was Nuremberg's defining facet last year, with only 47 goals conceded.
Yet coach Michael Wiesinger has also brought in reinforcements to the front line. Youngster Mariusz Stepinski (18) has been earmarked as one for the future, while much is expected of Daniel Ginczek, who is set to shoulder goalscoring duties from the off after netting 18 times in 31 Bundesliga 2 appearances for FC St. Pauli last term.
Club insiders have been left giddy-eyed over the progress of home-grown talent Sebastian Gärtner, who joined first team training at the start of July and has made an instant impact. "He's not human," attested Alexander Esswein in view of the youngster's fitness levels.
The new faces, alongside the return of Timo Gebhart, who made just 18 appearances last season due to injury, should give Wiesinger's side greater technical quality, as well as allowing the coach to vary his formation away from the tried and trusted 4-2-3-1 if required.
Having fended off interest for playmaker Hiroshi Kiyotake, the Japanese international will once again be charged with ensuring strings are pulled in midfield, giving the Nuremberg faithful every reason to look forward to another top-flight campaign.


CAMTECH Forged Steel Globe Valves are compact, sturdy and ideal for high pressure and high temperature applications. These valves are outside screw and yoke type (OS & Y) with rising stem and rising handwheel. These valves shall be bolted bonnet or welded bonnet type with full or standard bore options.
CAMTECH Forged Steel Globe Valves are compact, sturdy and ideal for high pressure and high temperature applications. These valves are outside screw and yoke type (OS & Y) with rising stem and rising handwheel. These valves shall be bolted bonnet or welded bonnet type with full or standard bore options. These valves are best suited for throttling application to regulate the flow.
The body is forged steel and available in both the full or standard port design.
The bonnet is forged steel, has an integral backseat and incorporates the stuffing box.
The disc is forged steel and is part of the valve trim. The seating surfaces are ground and lapped.
Rising stem with precision ACME thread and contains an integral back seat shoulder, which mates with the integral backseat of the bonnet.
BODY-BONNET JOINT – Two different bonnet joint designs are available. These are either the bolted bonnet and seal welded type.
The seat rings are pressed into the valve body and wedged into place, forming a seal with the body.
The seating surfaces are ground and lapped.


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This is a financial promotion for The First Sentier Global Listed Infrastructure Strategy. This information is for professional clients only in the EEA and elsewhere where lawful. Investing involves certain risks including:
The value of investments and any income from them may go down as well as up and are not guaranteed. Investors may get back significantly less than the original amount invested.
Currency risk: the Fund invests in assets which are denominated in other currencies; changes in exchange rates will affect the value of the Fund and could create losses. Currency control decisions made by governments could affect the value of the Fund's investments and could cause the Fund to defer or suspend redemptions of its shares.
Single sector risk: investing in a single economic sector may be riskier than investing in a number of different sectors. Investing in a larger number of sectors helps to spread risk.
Charges to capital risk: The fees and expenses may be charged against the capital property. Deducting expenses from capital reduces the potential for capital growth.
Listed infrastructure risk: the infrastructure sector and the value of the Fund is particularly affected by factors such as natural disasters, operational disruption and national and local environmental laws.
Emerging market risk: Emerging markets tend to be more sensitive to economic and political conditions than developed markets. Other factors include greater liquidity risk, restrictions on investment or transfer of assets, failed/delayed settlement and difficulties valuing securities. For details of the firms issuing this information and any funds referred to, please see Terms and Conditions and Important Information.
For a full description of the terms of investment and the risks please see the Prospectus and Key Investor Information Document for each Fund.
If you are in any doubt as to the suitability of our funds for your investment needs, please seek investment advice.
Global Listed Infrastructure
Infrastructure powers the world we live in - and when it comes to on-the-ground- research, our team can be found on site.
Our team has an average of over 15 years' industry experience, with complementary skills and a diverse range of backgrounds.
Company visits
We meet with over 500 companies, competitors, suppliers, customers, regulators, government officials and industry bodies.
Our strategy has one of the longest track records in the asset class.
Why invest in the First Sentier Global Listed Infrastructure strategy?
Listed infrastructure provides essential services to society, making it less sensitive to the economic cycle.
Growth is being driven by long term structural themes such as the build-out of renewable energy; the need to ease urban congestion; and increasing reliance on mobile data.
Gain a liquid and diversified exposure to infrastructure, managed by a specialist team.
How we invest in global listed infrastructure
Global trends
At First Sentier Investors our Global Listed Infrastructure team researches the market for what we believe are world-leading companies tackling the major infrastructure challenges the world faces.
That search takes us well beyond Australia's borders. Trent Koch, Portfolio Manager, discusses where we are finding the best opportunities.
The potential of solar
The last decade has seen carbon-free renewables, with the help of low cost natural gas, start to displace coal and oil from the developed world's electricity supply. The International Energy Agency predicts that between 2019 and 2024, the world will add enough renewable generation capacity to power the entire United States.
The continued build-out of renewables, and the need to upgrade and expand energy transmission networks, is expected to underpin stable earnings growth across the utilities sector. Consumers and the environment stand benefit from increasing supplies of clean, affordable energy. One of the largest positions in our portfolio is NextEra Energy, a large cap US utility whose assets include regulated utility businesses and clean energy leader NextEra Energy Resources.
Australia has one of the world's greatest solar opportunities, but are we doing enough?
First Sentier Investors' Global Listed Infrastructure Portfolio Manager, Rebecca Myatt explores the Australian solar landscape.
Australia is both leading and lagging in the development of solar
While Australia leads the world in rooftop solar, we lag other markets like the US in the development of large scale solar infrastructure, with government policies and incentives less attractive than other markets.
Whether it is solar, wind or water, the opportunity for investors is ever growing. But not all countries are developing at the same pace – making global research and access to global markets vital to investment success.
Australia leads the world in rooftop solar...
… but lags in large scale utility solar
Source: Bloomberg as at 2018.
Source: Australian Photovoltaic Institute, Bloomberg as at 30 November 2019.
Solving urban congestion
On the road from Sydney to Washington
Innovative infrastructure companies are also helping relieve urban congestion around the world. ASX-listed toll road company Transurban operates portfolios of toll roads in Australia and North America, including the 95 Express Lanes in Washington DC. These give commuters a guaranteed speed of at least 90km/h, facilitated by innovative dynamic pricing.
We look at 12-15 toll road businesses globally, and we have found that Transurban's management and operations are world best practice.
Putting driverless cars on the roadmap
Transurban has transformed from a 'construction' company to a company where 40% of employees work in technology. They are preparing for the advent of electric and autonomous vehicles and the changing patterns of road use they will bring. They use military-grade video-capture technology to reduce accidents and congestion on their roads.
An exceptional infrastructure company
With a sustainable yield of almost 5% growing at 5-8% per annum, Transurban offers high quality assets with limited economic sensitivity and pricing linked to inflation – or better.
Peter Meany
Head of Global Listed Infrastructure
Transurban is one of the largest positions in our portfolio
Source: Transurban, First Sentier Investors as at 2020. Chart shows earnings before interest, tax, depreciation and amortizaton. The earnings for 2020 and onwards are expected earnings based on First Sentier forecasts. They are predictive in nature and therefore not guaranteed to occur. They may be affected by inaccurate assumptions, known or unknown risks and uncertainties, and may differ materially from the results ultimately achieved.
Every investment decision impacts our world
Infrastructure companies have service obligations and moral accountability to the communities in which they operate
We have formally integrated analysis of environmental, social and governance (ESG) factors into our investment process for over a decade. ESG considerations account for 24% of a company's score in our quality assessment and ranking model.
Climate change is the most material ESG theme affecting our investment strategy
In the utilities space, attempts to reduce carbon emissions have significant implications for the way in which electricity is generated, transmitted and distributed. Large-scale capital investment in renewables is being led by large cap, publicly-listed electric utilities.
The replacement of older coal-fired power stations with wind and solar power is expected to present substantial capex opportunities for many utilities over coming years. Looking ahead, climate change also has material implications for energy pipelines, which could face stranded asset risk; and freight railways, whose haulage mix may evolve as coal volumes decline further.
We influence companies towards ESG best-practice, engaging on material issues to achieve specific outcomes
Engaging with Kinder Morgan
Pipeline operator Kinder Morgan's board initially recommended voting Against providing methane emissions reporting and a 2 degree scenario analysis report. We believe that as shareholders, we have the right to clear disclosure around how the company monitors, manages and minimises climate change and sustainability-related risks.
We requested that Kinder Morgan improve their environmental disclosure procedures, particularly relating to Greenhouse Gas emissions. The company is now working on a new framework which will enable them to provide more information on these topics. US$22 million will be spent on improving their data collection, assessment and production systems.
How do I use listed infrastructure in my portfolio?
Delve deeper into a global equities exposure
Based on our analysis, many global equity managers hold less than 2% of their portfolios in infrastructure assets – and these positions tend to be concentrated in the larger utility names. We have generated much of our alpha from growing mid cap stocks, such as toll roads, oil storage and gas utilities, which are often under-researched by global equity managers.
Infrastructure the world relies on
Over the past 15 years, global listed infrastructure has returned over 3% more than global equities on average with a lower level of volatility.*
These attractive risk-adjusted returns have been delivered by assets with high barriers to entry, strong pricing power, predictable cash flows and sustainable growth.
Discover opportunities in infrastructure
Infrastructure provides essential services for the way we live. It also offers investment opportunities as companies look to solve issues around digital connectivity, urban congestion and renewable energy.
Head of First Sentier Investors Global Listed Infrastructure, Peter Meany discusses how infrastructure can offer investors steady dividend growth, inflation protection and long-term capital growth.
Questions your client might ask about investing in listed infrastructure
What is an infrastructure investment?
The main infrastructure asset types include transportation systems like rail, airports and toll roads; communication systems like mobile/cellphone towers; and water, gas and electricity utilities. These assets are essential to the day-to-day functioning of our society. They typically offer more stable returns than many other investment options.
What are the risks of investing in infrastructure?
The key risks for infrastructure investors are political and regulatory intervention. These risks can be mitigated by diversification across countries, sectors and regulators, and by using an active manager who is able to understand and navigate those risks. Infrastructure investment funds may also be vulnerable to factors that particularly affect the infrastructure sector, for example natural disasters or operational disruption.
Is listed infrastructure an asset class?
In short, yes. While investors have embraced infrastructure as an asset class since the 1990s, the idea of investing in infrastructure via listed securities was developed by a few Australian asset managers between 2005 and 2007. Global listed infrastructure is now widely acknowledged as a standalone asset class by asset consultants, investors and the funds management industry. Today we estimate funds under management in global listed infrastructure to stand at around US$100 billion. It's also worth remembering that infrastructure assets also have their own risk and return profile; and benefit from structural drivers that can be quite distinct from those of global equities.
How should I be using infrastructure in my portfolio?
Use of listed infrastructure within investor portfolios has varied over time. Initially we saw it used as a defensive, low volatility equity. This expanded to see it used as a source of income, as declining bond yields increased the relative appeal of its growing divided streams. More recently, we have seen listed infrastructure form part of the real assets segment of investors' portfolios, due to the nature of its long-life, hard assets and ability to offer insulation from the effects of inflation as well as offer structural earnings growth. We have also seen investors utilise global listed infrastructure as a diversified, liquid and lower fee alternative to unlisted infrastructure allocations.
When should I invest in infrastructure?
You should always seek professional advice if you are unsure about your investment options. Historically, infrastructure investments have generated stable, predictable cash flows and delivered long-term growth. As part of a balanced portfolio these types of investments have tended to be less volatile than other equity classes. Due to these factors, infrastructure can be used through the economic cycle at all times as a lower volatility complement to global equities.
I already get exposure to infrastructure through my global equity fund, why would I need to invest in an infrastructure fund?
You probably get a little bit of exposure - but not very much. We estimate that most global equity managers may invest between 2% and 4% (or less) of their portfolio in infrastructure assets. This exposure could be concentrated amongst a small number of large, well-known utility names. However, much of the alpha generated in our diversified portfolio has come from mid-cap stocks, which are under-researched by global equity managers, such as toll roads, energy storage and mobile towers. If you decide global listed infrastructure suits your investment needs, then an explicit allocation in your investment portfolio would be needed to gain a meaningful exposure to the asset class.
Isn't infrastructure just a low growth, bond proxy investment?
No. Infrastructure assets offer defensive, non-cyclical growth opportunities from a variety of areas.
investment-driven earnings from the build-out of new transmission and distribution assets by electric, gas and water utilities
clean renewable energy replacing carbon emitting, coal-fired electricity generation
increasing equipment on mobile phone towers, to cope with growing data usage on smartphones
rising traffic volumes on toll roads, as a result of urban congestion
While global listed infrastructure is a relatively interest rate sensitive asset class, it also has long term structural growth attributes.
Andrew Greenup
Deputy Head of Global Listed Infrastructure
View all of the team
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"Frayn's translation, which strikes me as splendidly lucid and alive . . . will be acted again and again."--"New Statesman"
Frayn's translation, which strikes me as splendidly lucid and alive . . . will be acted again and again. New Statesman"
"Frayn's translation, which strikes me as splendidly lucid and alive . . . will be acted again and again." --New Statesman
Anton Chekhov (1860-1904) first turned to writing as a medical student at Moscow University, from which he graduated in 1884. Among his early plays were short monologues (The Evils of Tobacco, 1885), one-act farces such as The Bear, The Proposal and The Wedding (1888-89) and the 'Platonov' material, adapted by Michael Frayn as Wild Honey. The first three full-length plays to be stage, Ivanov (1887), The Wood Demon (1889) and The Seagull (1896) were initially failures. But the Moscow Arts Theatre's revival of The Seagull two years later was successful and was followed by his masterpieces, Uncle Vanya (1889), Three Sisters (1901), and The Cherry Orchard in 1904, the year of his death.


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Home › Life in Christ › Morning Reading: Mon, 28 May – Exodus 33-36 ~ "Your presence among us sets your people and me apart from all other people on the earth."
Morning Reading: Mon, 28 May – Exodus 33-36 ~ "Your presence among us sets your people and me apart from all other people on the earth."
By Art Chartier on May 28, 2018
Morning Reading
Reading: Exodus 33-36 (NLT)
Exodus 33 (NLT)
The Lord said to Moses, "Get going, you and the people you brought up from the land of Egypt. Go up to the land I swore to give to Abraham, Isaac, and Jacob. I told them, 'I will give this land to your descendants.' And I will send an angel before you to drive out the Canaanites, Amorites, Hittites, Perizzites, Hivites, and Jebusites. Go up to this land that flows with milk and honey. But I will not travel among you, for you are a stubborn and rebellious people. If I did, I would surely destroy you along the way."
When the people heard these stern words, they went into mourning and stopped wearing their jewelry and fine clothes. For the Lord had told Moses to tell them, "You are a stubborn and rebellious people. If I were to travel with you for even a moment, I would destroy you. Remove your jewelry and fine clothes while I decide what to do with you." So from the time they left Mount Sinai, the Israelites wore no more jewelry or fine clothes.
It was Moses' practice to take the Tent of Meeting and set it up some distance from the camp. Everyone who wanted to make a request of the Lord would go to the Tent of Meeting outside the camp.
Whenever Moses went out to the Tent of Meeting, all the people would get up and stand in the entrances of their own tents. They would all watch Moses until he disappeared inside. As he went into the tent, the pillar of cloud would come down and hover at its entrance while the Lord spoke with Moses. When the people saw the cloud standing at the entrance of the tent, they would stand and bow down in front of their own tents. Inside the Tent of Meeting, the Lord would speak to Moses face to face, as one speaks to a friend. Afterward Moses would return to the camp, but the young man who assisted him, Joshua son of Nun, would remain behind in the Tent of Meeting.
Moses Sees the Lord's Glory
One day Moses said to the Lord, "You have been telling me, 'Take these people up to the Promised Land.' But you haven't told me whom you will send with me. You have told me, 'I know you by name, and I look favorably on you.' If it is true that you look favorably on me, let me know your ways so I may understand you more fully and continue to enjoy your favor. And remember that this nation is your very own people."
The Lord replied, "I will personally go with you, Moses, and I will give you rest—everything will be fine for you."
Then Moses said, "If you don't personally go with us, don't make us leave this place. How will anyone know that you look favorably on me—on me and on your people—if you don't go with us? For your presence among us sets your people and me apart from all other people on the earth."
The Lord replied to Moses, "I will indeed do what you have asked, for I look favorably on you, and I know you by name."
Moses responded, "Then show me your glorious presence."
The Lord replied, "I will make all my goodness pass before you, and I will call out my name, Yahweh, before you. For I will show mercy to anyone I choose, and I will show compassion to anyone I choose. But you may not look directly at my face, for no one may see me and live." The Lord continued, "Look, stand near me on this rock. As my glorious presence passes by, I will hide you in the crevice of the rock and cover you with my hand until I have passed by. Then I will remove my hand and let you see me from behind. But my face will not be seen."
A New Copy of the Covenant
Then the Lord told Moses, "Chisel out two stone tablets like the first ones. I will write on them the same words that were on the tablets you smashed. Be ready in the morning to climb up Mount Sinai and present yourself to me on the top of the mountain. No one else may come with you. In fact, no one is to appear anywhere on the mountain. Do not even let the flocks or herds graze near the mountain."
So Moses chiseled out two tablets of stone like the first ones. Early in the morning he climbed Mount Sinai as the Lord had commanded him, and he carried the two stone tablets in his hands.
Then the Lord came down in a cloud and stood there with him; and he called out his own name, Yahweh.The Lord passed in front of Moses, calling out,
"Yahweh! The Lord! The God of compassion and mercy! I am slow to anger and filled with unfailing love and faithfulness. I lavish unfailing love to a thousand generations. I forgive iniquity, rebellion, and sin. But I do not excuse the guilty. I lay the sins of the parents upon their children and grandchildren; the entire family is affected—even children in the third and fourth generations."
Moses immediately threw himself to the ground and worshiped. And he said, "O Lord, if it is true that I have found favor with you, then please travel with us. Yes, this is a stubborn and rebellious people, but please forgive our iniquity and our sins. Claim us as your own special possession."
The Lord replied, "Listen, I am making a covenant with you in the presence of all your people. I will perform miracles that have never been performed anywhere in all the earth or in any nation. And all the people around you will see the power of the Lord—the awesome power I will display for you. But listen carefully to everything I command you today. Then I will go ahead of you and drive out the Amorites, Canaanites, Hittites, Perizzites, Hivites, and Jebusites.
"Be very careful never to make a treaty with the people who live in the land where you are going. If you do, you will follow their evil ways and be trapped. Instead, you must break down their pagan altars, smash their sacred pillars, and cut down their Asherah poles. You must worship no other gods, for the Lord, whose very name is Jealous, is a God who is jealous about his relationship with you.
"You must not make a treaty of any kind with the people living in the land. They lust after their gods, offering sacrifices to them. They will invite you to join them in their sacrificial meals, and you will go with them. Then you will accept their daughters, who sacrifice to other gods, as wives for your sons. And they will seduce your sons to commit adultery against me by worshiping other gods. You must not make any gods of molten metal for yourselves.
"You must celebrate the Festival of Unleavened Bread. For seven days the bread you eat must be made without yeast, just as I commanded you. Celebrate this festival annually at the appointed time in early spring, in the month of Abib, for that is the anniversary of your departure from Egypt.
"The firstborn of every animal belongs to me, including the firstborn males[h] from your herds of cattle and your flocks of sheep and goats. A firstborn donkey may be bought back from the Lord by presenting a lamb or young goat in its place. But if you do not buy it back, you must break its neck. However, you must buy back every firstborn son.
"No one may appear before me without an offering.
"You have six days each week for your ordinary work, but on the seventh day you must stop working, even during the seasons of plowing and harvest.
"You must celebrate the Festival of Harvest with the first crop of the wheat harvest, and celebrate the Festival of the Final Harvest at the end of the harvest season. Three times each year every man in Israel must appear before the Sovereign, the Lord, the God of Israel. I will drive out the other nations ahead of you and expand your territory, so no one will covet and conquer your land while you appear before the Lord your God three times each year.
"You must not offer the blood of my sacrificial offerings together with any baked goods containing yeast. And none of the meat of the Passover sacrifice may be kept over until the next morning.
"As you harvest your crops, bring the very best of the first harvest to the house of the Lord your God.
"You must not cook a young goat in its mother's milk."
Then the Lord said to Moses, "Write down all these instructions, for they represent the terms of the covenant I am making with you and with Israel."
Moses remained there on the mountain with the Lord forty days and forty nights. In all that time he ate no bread and drank no water. And the Lord wrote the terms of the covenant—the Ten Commandments—on the stone tablets.
When Moses came down Mount Sinai carrying the two stone tablets inscribed with the terms of the covenant, he wasn't aware that his face had become radiant because he had spoken to the Lord. So when Aaron and the people of Israel saw the radiance of Moses' face, they were afraid to come near him.
But Moses called out to them and asked Aaron and all the leaders of the community to come over, and he talked with them. Then all the people of Israel approached him, and Moses gave them all the instructions the Lord had given him on Mount Sinai. When Moses finished speaking with them, he covered his face with a veil. But whenever he went into the Tent of Meeting to speak with the Lord, he would remove the veil until he came out again. Then he would give the people whatever instructions the Lord had given him, and the people of Israel would see the radiant glow of his face. So he would put the veil over his face until he returned to speak with the Lord.
Instructions for the Sabbath
Then Moses called together the whole community of Israel and told them, "These are the instructions the Lord has commanded you to follow. You have six days each week for your ordinary work, but the seventh day must be a Sabbath day of complete rest, a holy day dedicated to the Lord. Anyone who works on that day must be put to death. You must not even light a fire in any of your homes on the Sabbath."
Offerings for the Tabernacle
Then Moses said to the whole community of Israel, "This is what the Lord has commanded: Take a sacred offering for the Lord. Let those with generous hearts present the following gifts to the Lord:
gold, silver, and bronze; blue, purple, and scarlet thread; fine linen and goat hair for cloth; tanned ram skins and fine goatskin leather; acacia wood; olive oil for the lamps; spices for the anointing oil and the fragrant incense; onyx stones, and other gemstones to be set in the ephod and the priest's chestpiece.
"Come, all of you who are gifted craftsmen. Construct everything that the Lord has commanded:
the Tabernacle and its sacred tent, its covering, clasps, frames, crossbars, posts, and bases; the Ark and its carrying poles; the Ark's cover—the place of atonement; the inner curtain to shield the Ark; the table, its carrying poles, and all its utensils; the Bread of the Presence; or light, the lampstand, its accessories, the lamp cups, and the olive oil for lighting; the incense altar and its carrying poles; the anointing oil and fragrant incense; the curtain for the entrance of the Tabernacle; the altar of burnt offering; the bronze grating of the altar and its carrying poles and utensils; the washbasin with its stand; the curtains for the walls of the courtyard; the posts and their bases; the curtain for the entrance to the courtyard; the tent pegs of the Tabernacle and courtyard and their ropes; the beautifully stitched garments for the priests to wear while ministering in the Holy Place—the sacred garments for Aaron the priest, and the garments for his sons to wear as they minister as priests."
So the whole community of Israel left Moses and returned to their tents. All whose hearts were stirred and whose spirits were moved came and brought their sacred offerings to the Lord. They brought all the materials needed for the Tabernacle, for the performance of its rituals, and for the sacred garments. Both men and women came, all whose hearts were willing. They brought to the Lord their offerings of gold—brooches, earrings, rings from their fingers, and necklaces. They presented gold objects of every kind as a special offering to the Lord. All those who owned the following items willingly brought them: blue, purple, and scarlet thread; fine linen and goat hair for cloth; and tanned ram skins and fine goatskin leather. And all who had silver and bronze objects gave them as a sacred offering to the Lord. And those who had acacia wood brought it for use in the project.
All the women who were skilled in sewing and spinning prepared blue, purple, and scarlet thread, and fine linen cloth. All the women who were willing used their skills to spin the goat hair into yarn. The leaders brought onyx stones and the special gemstones to be set in the ephod and the priest's chestpiece. They also brought spices and olive oil for the light, the anointing oil, and the fragrant incense. So the people of Israel—every man and woman who was eager to help in the work the Lord had given them through Moses—brought their gifts and gave them freely to the Lord.
Then Moses told the people of Israel, "The Lord has specifically chosen Bezalel son of Uri, grandson of Hur, of the tribe of Judah. The Lord has filled Bezalel with the Spirit of God, giving him great wisdom, ability, and expertise in all kinds of crafts. He is a master craftsman, expert in working with gold, silver, and bronze. He is skilled in engraving and mounting gemstones and in carving wood. He is a master at every craft. And the Lord has given both him and Oholiab son of Ahisamach, of the tribe of Dan, the ability to teach their skills to others. The Lord has given them special skills as engravers, designers, embroiderers in blue, purple, and scarlet thread on fine linen cloth, and weavers. They excel as craftsmen and as designers.
"The Lord has gifted Bezalel, Oholiab, and the other skilled craftsmen with wisdom and ability to perform any task involved in building the sanctuary. Let them construct and furnish the Tabernacle, just as the Lord has commanded."
So Moses summoned Bezalel and Oholiab and all the others who were specially gifted by the Lord and were eager to get to work. Moses gave them the materials donated by the people of Israel as sacred offerings for the completion of the sanctuary. But the people continued to bring additional gifts each morning. Finally the craftsmen who were working on the sanctuary left their work. They went to Moses and reported, "The people have given more than enough materials to complete the job the Lord has commanded us to do!"
So Moses gave the command, and this message was sent throughout the camp: "Men and women, don't prepare any more gifts for the sanctuary. We have enough!" So the people stopped bringing their sacred offerings. Their contributions were more than enough to complete the whole project.
Building the Tabernacle
The skilled craftsmen made ten curtains of finely woven linen for the Tabernacle. Then Bezalel decorated the curtains with blue, purple, and scarlet thread and with skillfully embroidered cherubim. All ten curtains were exactly the same size—42 feet long and 6 feet wide. Five of these curtains were joined together to make one long curtain, and the other five were joined to make a second long curtain. He made fifty loops of blue yarn and put them along the edge of the last curtain in each set. The fifty loops along the edge of one curtain matched the fifty loops along the edge of the other curtain. Then he made fifty gold clasps and fastened the long curtains together with the clasps. In this way, the Tabernacle was made of one continuous piece.
He made eleven curtains of goat-hair cloth to serve as a tent covering for the Tabernacle. These eleven curtains were all exactly the same size—45 feet long and 6 feet wide. Bezalel joined five of these curtains together to make one long curtain, and the other six were joined to make a second long curtain. He made fifty loops for the edge of each large curtain. He also made fifty bronze clasps to fasten the long curtains together. In this way, the tent covering was made of one continuous piece. He completed the tent covering with a layer of tanned ram skins and a layer of fine goatskin leather.
For the framework of the Tabernacle, Bezalel constructed frames of acacia wood. Each frame was 15 feet high and 27 inches wide, with two pegs under each frame. All the frames were identical. He made twenty of these frames to support the curtains on the south side of the Tabernacle. He also made forty silver bases—two bases under each frame, with the pegs fitting securely into the bases. For the north side of the Tabernacle, he made another twenty frames, with their forty silver bases, two bases under each frame. He made six frames for the rear—the west side of the Tabernacle— along with two additional frames to reinforce the rear corners of the Tabernacle. These corner frames were matched at the bottom and firmly attached at the top with a single ring, forming a single corner unit. Both of these corner units were made the same way. So there were eight frames at the rear of the Tabernacle, set in sixteen silver bases—two bases under each frame.
Then he made crossbars of acacia wood to link the frames, five crossbars for the north side of the Tabernacle and five for the south side. He also made five crossbars for the rear of the Tabernacle, which faced west. He made the middle crossbar to attach halfway up the frames; it ran all the way from one end of the Tabernacle to the other. He overlaid the frames with gold and made gold rings to hold the crossbars. Then he overlaid the crossbars with gold as well.
For the inside of the Tabernacle, Bezalel made a special curtain of finely woven linen. He decorated it with blue, purple, and scarlet thread and with skillfully embroidered cherubim. For the curtain, he made four posts of acacia wood and four gold hooks. He overlaid the posts with gold and set them in four silver bases.
Then he made another curtain for the entrance to the sacred tent. He made it of finely woven linen and embroidered it with exquisite designs using blue, purple, and scarlet thread. This curtain was hung on gold hooks attached to five posts. The posts with their decorated tops and hooks were overlaid with gold, and the five bases were cast from bronze.
"Here In Your Presence" – New Life Worship
‹ Holy Trinity Sunday – 27 May – Matthew 28:16-20 ~ Make disciples of all nations!
Morning Reading: Tue, 29 May – 1 Kings 1-4 ~ The Anointing and Wisdom of King Solomon! ›
Tags: 28 May, A New Copy of the Covenant, Building the Tabernacle, Daily Reading, Exodus 33-36, Instructions for the Sabbath, Jesus Christ, Morning Prayer, Moses Sees the Lord's Glory, Northumbrian Community, Offerings for the Tabernacle, PowerPoint Reading Plan, Samaritan's Purse, Worship


A retail billing inventory POS software which is ideal for small business operators who want a cheap and user friendly system which is easy and quick to install and operate. Multi-language Support allowing Input & Invoice Print in any Language. It can also be used on a touchscreen monitor with its smart intuitive design.
It records all transactions for easy search and tax accounting. 2 tax types are supported. It also supports discounting. Its very easy to create menu buttons. Ideal cheap software for businesses. Sales can also be allocated to a salesperson for tracking sales performance and paying commission where applicable.
You are welcome to try before you buy. Download the FREE version now. All the features are enabled so that you can be sure this is the right product for your business. Only restrictions are maximum of 50 items can be added, maximum of 500 transactions per month and Business name and address cannot be entered.
This software has been developed with a lot of research and testing. We identified there was a gap in the market for a low priced software which had no ongoing charges and was simple to use, understand and operate. So we developed this point of sale which is easy to use.
Another key feature of this software is single screen transaction processing. Generally to complete a transaction user needs to go through several screens before they can complete the transaction. This will help in fast service and better employee productivity.
This software has minimum system requirements and runs on windows XP to Windows 10. It support cash drawer, 80mm printer and customer price display.
Please visit out website www.retailanswer.com or like us on facebook.com/retailanswer to stay updated about this product.


Outspoken Norwegian-Albanian Islamist, 25-year-old Egzon Avdyli, has reportedly been killed in the Syrian civil war. Avdyli, a former spokesman for extremist group The Prophet's Ummah (Profetens Ummah), is one of up to 10 Norwegians believed to have been killed in the conflict, but authorities said it's hard to know exactly how many people have traveled to the war-torn country.
Avdyli's death was first reported by the Albanian media, and Norwegian Broadcasting (NRK) reported on Wednesday it has confirmed the man was recently shot in the fighting. "We have no comment on individual people, but we have previously warned that those who travel can risk losing their lives," said Martin Bernsen from the Norwegian Police Security Service (Politiets sikkerhetstjeneste, PST) communications department. The Foreign Ministry (Utenriksdepartementet) said it could not confirm the death toll in Syria.
Last December, Avdyli told NRK he had left the Prophet's Ummah. It's believed he traveled to Syria to fight in the holy war in early 2014.
NRK estimated between five to 10 Norwegians had been killed in the fighting. PST said about 40 people were known to have traveled to Syria last year, but authorities lack a complete overview and are concerned the total figure could be much higher.
Authorities are also worried Norwegian Muslims will return from the fighting in Syria even more radicalized. Both PST and the military intelligence service (Etterretningstjenesten, or E-tjenesten) warned in their annual reports earlier this year that the threat of terror against Norway and its interests has continued to rise, with radical Islamists posing the greatest risk. At least one man has been arrested for crimes committed in the Syrian conflict after returning home to Norway.


Sunčica holding a freshly made burek in her Belgrade apartment.
Burek will stop you in your tracks the first time you smell it. A strong aroma hits you, taking over all of your senses, causing a momentary halt and a deep inhale. You may be unsure of the source of the smell, but it will be recognizable as something greasy, cheesy, and… good. That's burek.
There is nothing better to usher a stranger into a city, home, or day than a few bites of burek- crispy arms outstretched, ready to engulf you in a warm, welcoming bliss. Imagine layers of crust that to the blind eye could be French bread- yet hidden inside are chunks of cheese paired perfect amount of grease, dancing across your tongue, into your stomach; a golden brown, carb-loaded delight the beacon of light to lead you into your day.
Cheese dripping onto home made burek.
It is a cuisine adopted from Turkish culture, with roots in the Ottoman Empire, and is very much engrained in daily life in Belgrade. Equal parts savory and sweet; burek is a favorite Serbian breakfast or treat, available at any of the bakeries sprinkled on nearly every corner. Walking down the streets of Belgrade, you will notice burek in the hands of many passersby. Eaten both in the comfort of the home and on the go, burek is sold in strips and served in crisp bags that can barely contain the grease.
There's one more thing that makes burek so comforting for locals.
"Burek is the best way to cure a hangover," says Belgrader Dragan.


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See more Companies in this Industry:Software & Programming
Check Point Software Technologies Ltd. history, profile and corporate video
Check Point Software Technologies Ltd. is engaged in developing, marketing, and supporting software solutions for information technology security. It offers combined hardware and software products and subscriptions by offering network security, data security, and management solutions for enterprise networks and services. It operates through a single segment, which involves the sale of network and data security products including licenses, related software updates, maintenance, and subscriptions. The company was founded by Gil Shwed, Marius Nacht, and Shlomo Kramer in July 1993 and is headquartered in Tel Aviv, Israel."
"Check Point Software History
Check Point was established in Ramat-Gan, Israel in 1993, by Gil Shwed (Chairman and CEO as of 2013), Marius Nacht (Vice Chairman as of 2013) and Shlomo Kramer (who left Check Point in 2003). Shwed had the initial idea for the company's core technology known as stateful inspection, which became the foundation for the company's first product, FireWall-1; soon afterwards they also developed one of the world's first VPN products, VPN-1. Shwed developed the idea while serving in the Unit 8200 of theIsrael Defense Forces, where he worked on securing classified networks.
Initial funding of US$400,000 was provided by venture capital fund BRM Group.
In 1994 Check Point signed an OEM agreement with Sun Microsystems, followed by a distribution agreement with HP (Hewlett-Packard) in 1995. The same year, the U.S. head office was established in Redwood City, California.
By February 1996 the company was named worldwide firewall market leader by IDC, with a market share of 40 percent. In June 1996 Check Point raised $67 million from its initial public offering on NASDAQ.
In 1998 Check Point established a partnership with Nokia, which bundled Check Point's Software with Nokia's computer Network Security Appliances.
In 2003, a class action lawsuit was filed against Check Point over violation of the Securities Exchange Act by failing to disclose major financial information.
During the first decade of the 21st century Check Point started acquiring other IT security companies, acquiring Nokia's network security business unit in 2009."
*Information from Forbes.com, Wikipedia.org, and www.checkpoint.com
**Video published on YouTube by "Check Point Software Technologies, Ltd."
Software & Programming
Check Point Software, Hewlett-Packard, Nokia, Software & Programming
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Amadeus IT Holding SA history, profile and corporate video Amadeus IT Holding SA provides transaction processing solutions to the global travel and tourism industry. The company offers its solutions to various travel...
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CDW Corporation history, profile and corporate video CDW Corporation is a multi-brand provider of information technology solutions headquartered in Lincolnshire, Illinois, U.S. It provides its tec...
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The English scientist Michael Faraday was born on September 22, 1791 in London. He lot of contributed to the fields of electromagnetism and electrochemistry. He came from a very poor family. His father was a blacksmith. The family lived in a degree of poverty. Faraday was received little formal education. He worked as delivery boy in a bookshop to earn money for his family. He worked hard and impressed his employer and the employer give him to promotion as apprentice bookbinder.
During the next seven years he educated himself by reading books on wide range of scientific subjects. In 1812 Faraday attend for lectures given by the chemist Humphry Davy at the royal institution. He prepared notes and pictures about the lectures and send them to Davy. Also he wrote about asking for a job as his assistant. Davy appointed him to the job of chemical assistant at the Royal institution.
After a year later Davy invites Faraday to follow 18 month European tour. In that tour he meets many influential scientists. After the European tour, Faraday continued to his work at Royal institution and helped the Davy and other Scientist for their experiments. After a few years later Davy said that his biggest invention was Faraday.
In 1821 Faraday was published his findings about electromagnetic rotation. In 1831, Faraday discovered the electromagnetic induction, the principle behind the electric transformer and generator. This discovery was crucial in allowing electricity to be transformed from a curiosity into a powerful new technology. During the remainder of the decade he worked on developing his ideas about electricity.
Michael Faraday died in London, aged 75, on August 25, 1867. He was survived by his wife Sarah. They had no children. He had been a devout Christian all of his life, belonging to a small branch of the religion called Sandemanians.
During his life, he had been offered burial in Westminster Abbey along with Britain�s kings and queens and scientists of the stature of Isaac Newton. He turned this down, in favour of a more modest end. His grave, where Sarah is also buried, can still be seen in London�s Highgate Cemetery.


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Public Administration Reform 'Support to Improve Citizen-Centric Public Service Delivery in Albania'
GOPA Gmbh (Germany) Icon Institut (Germany), IDRA (Albania)
Humelica Consulting International
The overall objective of the project of which this contract will be a part is to further strengthen citizen-centric public service delivery in Albania.
The purpose of the contract is to support the public administration reforms (PAR) with particular attention to strengthening the capacities of the Minister of State for Innovation and Public Administration (MIPA), as well as providing institutional and administrative capacity building to the Agency for the Delivery of Integrated Services (ADISA) in order to further support citizen-centric public services in Albania.
The project is focused on:
Improved public services delivery by undertaking a legal-structural reform which will result in the integration and digitalization of public services.
Preparation of a comprehensive Gap Analysis on the EU approximation of the existing legislative framework should be considered as the preliminary step within this activity. Conduct of analysis of existing legislation and regulations and preparation of the recommended legal framework relative to improved service delivery thanks to the separation of front office from back office and the simplification and standardization of such delivery;
Review and consolidation of the public services inventory in Albania
Improvement of operational and administrative procedures for the Citizen Service Centre functioning under the one-stop-shop and in-one-place service delivery model, as well as separated front offices, including identification of supporting management tools, as well as implementation advice and support including training for ADISA staff;
Identification of structural reform needed to improve service delivery, and the set up of an implementation action plan of the new and amended institutional framework for the improved public service delivery system and simplification, including the provision of training for the staff involved in the process;
Design of new effective and efficient public service delivery channels, improve existing designs and conduct an information campaign with greatest reach among the public;
Analysis of existing legislation and regulations and to streamline improved service delivery. Carry on legislative impact assessment and provide recommendations on future legislation/regulation
Review and consolidate the Inventory of existing platforms and public services
review implementation of the code of administrative procedures and process in terms of operational/administrative procedures and legal framework to support operational changes
Develop transparent, flexible, coherent organizational and decision-making structures and appropriate job descriptions for centralized service delivery management (Citizen Service Centre)
Draft new or improve respective operational/administrative manuals,
Provide implementation advice and support for the designed operational manuals including Training of Trainers (ToT) as well as training and on-the-job coaching of supervisory and management staff
Design internal audit structure for separated front office service delivery management; prepare audit procedures and reporting, and provide training for auditors;
Prepare detailed regulations and manuals on the administration of the relationship between front and back offices under separate management to include, inter alia, roles and responsibilities, standards of communication, workflow, information flow, financial arrangements, handling of customer complaints, together with escalation mechanisms, reporting, etc.;
Define indicators to measure the efficiency and effectiveness of service delivery and service information communication channels (face-to-face, phone, online, e-mail, mobile etc.),
Design an institutional structure to monitor the implementation of service delivery standards, as well as ensure ongoing improvement; detail its roles and responsibilities; prepare an operation manual, as well as draft and support the approval of the required legal framework for such a structure. Conduct an assessment of the implementation of customer care standards in selected central government institutions in Albania, as well as selected municipalities. Support the adoption of best European practices in quality assurance;
Support the establishment of a Citizen Contact Center administered by ADISA;
Support public information on the improved service delivery and role of the voice of the customer through awareness campaign activities, including the media;
Provide a cost analysis for the functioning of citizen service centers and the separated front offices, as well as provide recommendation for both the inter-agency fee structure and the administrative service fee, paid by citizens including expedite delivery;
Analyze and provide recommendations on a business model for the citizen service center, and overall ADISA operations, as well as outsourcing options for Front Office public service delivery;
Team Leader 330 WD
Key Expert 2: Senior legal expert 165 WDs
Senior Expert 310 WDs
Junior Experts 625 WDs