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Nick Sime
Head of Modelling
News & Views / Webinar recap: Applying deep learning to credit scoring
Webinar recap: Applying deep learning to credit scoring
According to recent research, lenders embracing AI are projected to benefit from a 31% increase in profitability, and most lenders believe that AI will transform areas like fraud detection completely within the next five years. But, how are lenders practically benefiting from it now? In this write-up of our recent webinar with UK Finance, we share learnings from work we have done with over 20 UK lenders.
Through our own work in this area we've seen that the evidence time and time again. AI can deliver impressive results when compared to traditional scoring approaches… With some lenders seeing an 18% uplift in their credit models, even on a fully constrained model. But adopting these techniques brings some challenges – most obviously the problem of explaining and justifying the scores that are generated from "black box" models.
We have also found that a subtler challenge arises during reject inference as a result of these models being so powerful, since they can fit very tightly to inferred outcomes in a way that linear models cannot.
During a webinar with UK Finance, we shared our experience of working with over 20 UK lenders in this field, talking about how we meet the regulatory challenge and use explainable, controllable AI to overcome the barriers to adoption within the lending world. In it, we covered key questions like:
What increase in power can I expect?
How stable are the models?
What's the typical cost of constraining the model to ensure sensible, explainable behaviour? – the answer surprised us
How complex is modelling and the deployment of the resulting score?
What are the governance considerations around deep learning models?
What's the regulator's view?
How do you handle reject inference in the new world?
Through surveying the c.100 attendees, we got some interesting insights. Here's a sample:
The majority (c. 85%), have either not progressed with using AI at all in their credit models or have tested using it but haven't got machine learning properly embedded.
Only 14.7% have built models or are using AI-based models in credit scoring.
Most, 80%, say it is essential to be able to explain machine learning-based models so it is likely that the lenders not using machine learning are concerned about explainability.
At the end of the webinar, we were asked several questions which we weren't able to answer in full during the session, so we followed up with individuals separately. We felt these questions would be of interest to other lenders…
Will there be limitations of using deep learning for credit scoring if the company's customer data set is not big, i.e. the sample is too small? How can we work around this?
This is a familiar question; we have often found that start-up lenders expect AI to be able to solve problems from very limited samples of data. But as with any scoring project, there needs to be enough data to produce a robust model, and in that respect, deep learning is no different from non-linear techniques such as linear regression. Typically, we recommend a minimum of around 10,000 records, of which around 500-1,000 have the outcome you are trying to predict; that predicted outcome would typically emerge over at least a six-month period.
More data is always preferable, and the best results (those that have the highest performance and are most stable) are those where there are many cases to train the model and a large number of candidate variables to choose from. Newer organisations with rapidly growing customer bases can often see very rapid improvement from an initial model based on limited data through to one which is based on a full outcome window on a lot more data.
There are some techniques that can be used where a company has limited data. The most widespread approach within a lending context is to get a look-alike sample of data from a credit reference agency, augmenting your own data with a retrospective sample of similar accounts from other (anonymous) providers.
Similarly, the use of pooled data for non-competitive situations (such as fraud detection) can be a way forward. Another approach that we've used effectively is known as 'bootstrapping' – effectively using multiple sample cuts of the same data extract to generate a model.
Ultimately, AI is not a magic bullet, and deep learning needs data to learn from in order to be most effective.
You mentioned around 500 'bad records' as being a requirement – is this a standard baseline for neural network modelling - or does the number of bad records depend on the number of inputs to the model?
It's guidance more than a standard approach. A low number of bad records in an application model will tend to generate a result in which the performance of the build sample is not matched by the validation sample, as there is little consistency between records featuring the modelled outcome, or where the model struggles to perform on unseen data.
However, each model development is different, and there will be cases where the provision of a more diverse set of input characteristics will help. Controlling the topology of the model build in these cases can also definitely help.
How do you establish what is reliable data for the models? Do you need a kind of data tuning or data mapping exercise prior to activating the models in production?
There is no substitute for good data governance and analytical oversight in determining which data to include within a modelling project, whether undertaken using AI or by more traditional means. We would always recommend that source data is considered in terms of its coverage and quality, and its potential to introduce bias within the model (for example, avoiding the use of any fields which subtly encode gender or race).
And within Archetype, our recommendation is to use some analytical expertise to sense check the choice of variables ultimately used for modelling.
Once you've got a data set for modelling which is agreed for use, the reliability of data for use in the models is usually evident through some fairly standard reporting and analysis. For example, if a model is generated based on some fields with very sparsely-populated data values, this can cause some instability, and a better approach is to merge together similarly-performing data values so that the model has a better chance of exploiting the interactions between variables, perhaps treating continuous data more like a categorical field.
For use in production, there is a requirement to ensure that the data used in the development stage does align with what the model will receive in a live environment. Archetype will produce execution code based on development data field names, and typically there is a mapping exercise such that the client decision engine passes its data into corresponding fields.
However, there is also a need to adjust any inbound data if it differs from what the model is expecting. That said, Archetype models will handle unexpected data cleanly.
Are you also developing deep learning models for credit or fundamental analysis for wholesale/corporate customers?
We are happy to consider any use case: Archetype is agnostic about exactly what it is modelling and about the data that it bases its outcomes on. The key requirement is for enough data to achieve a good result (e.g. 10,000 or so records, including around 1,000 of the outcome being modelled).
For corporate customers, e.g. in the commercial lending space, we often recommend a simpler approach based on slotting, using more traditional statistical techniques due to the fact that these lending decisions are often a little more judgmental in nature. However, for an organisation with lots of data, there is no reason why AI can't be a means of generating a scoring model.
How important is the currency of data in the model performance? For example, an Open Banking data feed rather than Credit Referencing Agency (CRA) data?
Either source of data would be good for the creation of credit models, and we think that open banking is an interesting development that is likely to generate additional uplift within a credit model because of its ability to bring more detailed insights into customer income and expenditure into the model. For instance, spend on gambling or the use of expensive forms of credit are likely to be indicators of risk that would not routinely be evident from CRA data.
Open Banking also promises a much more comprehensive and accurate view of affordability and income than has been available from any of the credit reference agencies to date, since most affordability solutions are rich in assumptions and are heavily tilted towards exclusive use by current account providers.
As things stand, there are few organisations who can couple sufficient coverage of Open Banking data with performance / outcome data, as – ideally at least - it relies on customer permissions being in place for the capture of data over an extended period of time.
Additionally, CRA data remains the best source of outcome data as it considers industry-standard outcomes such as default or missed payments, which are readily visible within a standard bureau call. We therefore think that a combination of Open Banking and CRA data is the pragmatic route to an improved result.
However, an organisation that could crack the customer permissions threshold on Open Banking and use their own performance data to predict outcomes would be in a very strong position.
While AI is sophisticated, it's actually incredibly straightforward to implement. It can provide you with significant uplifts in Gini, ensure regulatory compliance through a completely transparent approach and significantly increase profitability.
If you have any additional questions about AI in risk, don't hesitate to contact one of our experts today. You can read our latest case studies to see how we're helping lenders to pioneer AI models, or download our latest guide to AI in risk.
Want to learn more about AI in risk?
Contact our experts today
Taking stock of the FCA's interim findings for remediating the credit information market
The FCA's proposals to improve the credit information market could have significant implications for credit reference agencies, lenders, and borrowers alike. In Steve's latest article, he reviews the interim report/discussion paper and outlines potential remediations - including what they could mean for the future of CRAs.
Steve Finlay
(Machine) learning to live with CP6/22
Steve Finlay, one of the UK's leading data scientists, examines how AI can be leveraged for model risk management and CP6/22 regulations.
How to put customers at the forefront of your fraud strategy
As customers continue to demand simple, frictionless experiences and digital banking becomes the norm, how can lenders provide excellent customer journeys whilst mitigating fraud?
Celebrating 5 years of award-winning work at the Credit & Collections Technology Awards
At last week's Credit & Collections Technology Awards, Jaywing won the award for 'Customer engagement solution' and secured a finalist spot in the 'Machine learning in credit & collections solution' category. This latest award represents 5 consecutive years of Jaywing winning at this prestigious event.
Redwood signs for Echelon: Jaywing's commercial credit scoring software
Specialist lender, Redwood Bank, will use Echelon, our SAAS risk technology framework, to process credit applications and apply consistent credit scoring approaches to businesses applying for loans.
Model Risk Management (CP6/22) - What banks should do now
Banks can already start preparing for the PRA's new model risk management principles (CP6/22). Here's how.
Carl Ireland
Jaywing announces collaboration with Oxford Economics
We've launched a new collaboration with leading global advisory firm, Oxford Economics.
Encouraging confidence and ownership amongst data consumers
Jaywing's Lead Data Architect, Neil Plant, urges firms to evaluate their data, data systems and related processes to foster organisation-wide confidence in, and ownership of, data.
Neil Plant
How can lenders best assess their customers' affordability during a cost-of-living crisis?
Credit reference agencies have many products to assist lenders with their affordability assessments, but they come at a cost.
Katie Stones


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San Angelo News
Woman Claims She Caught Friend's Husband at Hospital With Pregnant Woman: WATCH
Donny Meacham Published: October 7, 2022
@chacdvale via TikTok
Catching a friend's partner potentially cheating can put someone in an extremely awkward situation.
On TikTok, a woman shared that when she was recently at the hospital, she spotted her friend's husband cuddling up to another woman — who also just so happened to be pregnant. Naturally, her story has gone viral.
"As I entered the hospital, I saw my friend's husband with a lady who's pregnant. It kind of looked strange, I was watching what was going on and then I realized he was hugging up on the person," user @chacdvale shared in a video posted to TikTok.
Eager to make sure she was seeing the situation correctly, she walked over to the man and tried to talk to him, asking him how her friend was doing.
"He said, 'Who?' And I said, 'Your wife.' He looked at me strangely and said, 'I am not married,'" she recalled in the viral video that has amassed over 14 million views so far.
She was shocked by the man's answer, explaining to viewers that she attended their wedding, recently went to their house and has even gone to church with the married couple.
After the man denied he was married, she began to think he might be the father of the pregnant woman's child, so she immediately called her friend to come to the hospital.
"My dear, World War II will happen here because our secret about to bust out of here. It's gonna be something," she said.
Watch the clip below:
In the comments, users applauded the woman for supporting her friend and telling her.
"You are a good friend.... As soon as he said.. Not married. No hesitation.. good u told her," one person wrote.
"Great friend. [Because] I'd do the same thing," another commented.
In a follow-up video, the woman explained why she told her friend about the husband's potential infidelity.
"If you are a true and genuine friend and you see your friend's partner with somebody else and cheating, you should tell that person," she said, adding that in the friend "rule book," it says you're not supposed to "keep secrets."
"If I see it again, I'm going to say it again," she continued. "Don't let me see you cheating, 'cause if I see you cheating, I'm gonna let your wife or your girlfriend know."
Again, TikTok users rallied behind the woman.
"BEST FRIEND OF YEAR AWARD," one person wrote.
"You are a wonderful friend and there should be more friends like you," someone else commented.
Stars Caught in Big Lies
Source: Woman Claims She Caught Friend's Husband at Hospital With Pregnant Woman: WATCH
Filed Under: TikTok, Viral
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redpajama_set_name: RedPajamaCommonCrawl


The 78th General Convention of The Episcopal Church had two resolutions before it dealing with the Anglican Covenant. Resolution A040, while not declaring that the church was adopting the Covenant, declared that most of the Covenant was acceptable and asked the church's representatives to thank the Communion for the conversation around the Covenant. Resolution D022 was as gracious about offering thanks but categorically rejected the Covenant.
In the end, the convention passed on both A040 and D022 but reaffirmed its commitment to and financial support for the Communion by way of Resolution A019. That resolution, which received concurrence from the House of Bishops on the last day of the convention, June 3, makes no mention of the Covenant.
Thus, The Episcopal Church has essentially rejected the Anglican Covenant by simply ignoring it. All this might not be apparent to the casual observer. However, Lionel Deimel, Episcopal Church Convenor of the No Anglican Covenant Coalition, explains what happened in Salt Lake City on his blog. No doubt, the Anglican Communion Office will not view The Episcopal Church as having rejected the Covenant, but it has.


If anyone has Vol 12 and can offer to scan them or lend them to me while we do it, immense gratitude would be yours.
I'm not exactly sure of the issues, but I picked up the first 10 years of Beebug (including the specials and indexes) last night and would be happy to contribute them to any scanning projects.
On another note, it also came with about 8 years of 'RISC User' magazine, which is what I think Beebug did for the 32 bit machines. I would similarly be able to provide those for scanning.
Thanks for coming forward! We have already scanned (but not processed) Vols 1 - 11 and are still on the lookout for Vol. 12. I don't know about the 'specials and indexes' though -- Mark?
Scanning RiscUser is something we might be interested in, but would have to liaise with Richard Hallas, who owns the copyright (but I know would be interested).
Personally, I really want to get Beebug finished before taking on another project -- I'm finding it hard enough to get time as it is, but others may want to start scanning.
So: we might want the specials and indexes, and if no-one else contacts you about RiscUser, we'll ping you again at some time in the future. Are you planning on holding onto them indefinitely?
Yes I can hold them. They're only a couple of (heavy) shoeboxes worth. I'll also sort out the indexes (white paper things that list all the articles in a volume) and specials, take a quick photo, so you can see if you already have them.
I'm after scanned copies of Beebug Vol. 5, Nos. 1 & 3 - are they available at all?
Do you need the full mags or are there specific articles that you're after?
Just two articles, really: I was after the Mandelbrot article by Kate Crennell, and the Wordwise Plus review.
Ok Gerald, I'll scan those articles for you and post them back on here. Won't be too long, should be tomorrow or Monday I would think.
That's very kind - thanks, Martin!
I think you're going to be disappointed with the Wordwise article, which isn't a review, but I've scanned it for you anyway. You didn't mean the Fontwise review, did you?
These scans are very rough and ready. We hope to do better when we finish the work!
Ho Hum - I just scanned the Mandlebrot article and was about to post it . I didn't do the Wordwise Plus article because, as Andrew suggested, it's not a review but is a Memo Pad utility.
Sorry to pip you to the post there, Martin. I think your scans are better than mine, too!
By the way, I strongly recommend PNG rather than JPG for scans of text. You usually get a smaller file and there's no deterioration of the image that you get with JPEG around sharp lines.
We'll hopefully get an index online before long, which will make it easier to pinpoint the articles you want. I'll try to post the MagScan index when I get a moment. In the meantime, you can use MagScan in an emulator. I attach the disc.
MagScan index in XLS format.
Andrew wrote: I think your scans are better than mine, too!
and wrote: I strongly recommend PNG rather than JPG for scans of text.
LOL. Maybe you pressed harder. I was having problems with the gutter -- shadows and light text.
Well, my scanner doesn't save PNG files either, so I choose something neutral like TIFF and use IrfanView (on Windows) to reduce colour depth and resave as PNG.
Actually, Andy F suggested irfanview to me in another thread where I was having problems reading some tiff pages of an already scanned manual so I'll give your suggestion of tiff_to_png a go next time I scan something.
Incidentally, the only change I made from the defaults was to select greyscale instead of colour or mono because the latter previews looked pants.
I have access to a copier that scans, so the files would probably be in TIFF format, although I'll have to check when I get on site and verify.
I believe I have quite a few Beebug folders with magazines in, I can scan any which people with scanners are missing, I'll check exactly which I have next week and report back.
Do you have a link to the magazines or articles you've already scanned, please?
We're still working on the clean-up and don't have anything out there for the public yet. If you would like to join the team pm me.
We haven't got Vol 12 scanned yet, so if you want to have a go at that please scan at min of 400 dpi (makes the clean up so much easier) and reduce to 256 colours.
sadly the set of Beebug magazines appears to have been lost in the move, which I'm gutted about. My brother has one particular edition as he wrote a sort program which was featured in it, but aside from that I have nothing further to offer.
I am following the hope that the beebug mags will be available to view in the near future.
You say its not complete and there is vol 12 to do, is this the only set to do?
I have the end of vol six and the start of vol seven I would gladly include.
Thanks for the kind offer, Bob. We do have scans of Vols 1 - 11 and Mark has Vol 12 too. The main requirement at the moment is for programming expertise, with experience of image processing an optional bonus. We need to develop routines to clean up and convert the thousands of pages of scans into nice images for the web.
I have a pretty good idea of what needs doing, but too little time. Anyone with anything to offer, please PM me or use email address above.
Tried to email you but got bounced - definitely the right email address above?
Anyway, I do websites, I've used PHP & ImageMagick - I might be able to help if you provide more details on what exactly needs to be done.
A full collection of Beebug scans is now available at http://8bs.com/beebugmags.htm so I am wrapping up this project. I made it too complicated and other people got there before us.
Big thanks to all the volunteers who contributed.


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Flipping Guides Money Making Guides F2P Guides
OSRS Flipping - Learning the Basics OSRS Money Making - Getting Started OSRS F2P Flipping - Getting your first Bond OSRS F2P - Money Making
Tombs of Amascut
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OSRS Flipping 2023 - Learning the Basics
Trying to flip your way to a bond? Look no further.
Learning the Basics of Flipping
If you've never merched in Old School Runescape before, then you're seriously missing out on additional revenue on top of what you are already earning in game. Merchanting allows anyone with gold in their bank to both enjoy the game we all love, as well as making their money work for them at the grand exchange. Creating two avenues of revenue streams.
This doesn't mean however that you should take up the practice lightly. For whoever decides to wing it and put no effort into studying the market, the game or the communities perception on various items, is simply asking to lose money. The most obvious case of this happening, is when players who don't merch at all, or who are new to the merching scene get burned by trying to ride the hype train with ranger gloves.
Ouch... That's one painful graph to look at... mainly because those who were burned are the very players I've just described. New or never merched and wanted to get in on the hype. These are some of the easiest traps to avoid, but it's always painful to watch new players lose a significant portion of their bank to these events and then give up on flipping all together.
Now if you don't know why these gloves spiked, it's because of the Old School Runescape team releasing a developers blog on Raids 2 rewards, and how rangers gloves would be used to combine with a new ranging item, vambraces; creating an item sink for them. Ranger gloves are already rare simply because they're a reward from elite clue scrolls, and those can't be completed by everyone and those who can, don't often camp those clues.
Update: The Old School developer team have retracted ranger gloves being necessary for the new vambraces. The Raids 2 reward will now be a standalone item
Join 565.7k+ other OSRS players who are already capitalising on the Grand Exchange
What is Flipping/Merchanting?
The literal definition is "the act of selling commodities", but in Runescape it's much more. Merchanting or flipping (as some might refer to it) is the act of purchasing any item in hopes of selling it back to the market for a higher price then what they've invested in it.
Sounds easy enough right? Well… that's the first problem with many new comers. They have this preconceived notion that you can just walk right into the market with zero preparations and suddenly make a profit on any given item.
A volatile market
I once heard a user in our discord chat say "How hard can flipping be really? It's just a linear market". This is far from the truth, just look at this graph:
Does this look like a graph that shows a linear behavior? Sure, you could say, that's just one example, an extreme one at that. Okay, how about this one?
The point being, the market is dynamic and always changes based upon the demand and supply of the players that occupy it – whether or not they're a merchant. Everyone plays a role even if they don't realize it, and this is one fundamental aspect you need to grasp, because it plays closely with predicating price changes.
One day you could be heavily investing in an item, and then all of a sudden, the item losses over 50% of its value you had invested in it. What went wrong? You need to ask yourself, has the item hit its historic low? If so, has a recent update/Q&A affected the item? Is the item hitting its historic high? Is the item stable or has the recent update made it more useful?
These are all questions you should be asking yourself, which the veterans are already doing without a second thought. Need a visual? Refer to the flowchart below.
Buy and Sell Margins
You'll often hear margin checks being thrown around quite a bit in the merchanting world. It's a common practice, but is not by any means a sustainable one at all levels of any price point – for several reasons. First, lets go over the basics of margins.
Margin Checking
Simply put, the margin is the price difference between the highest sell offer and the lowest buy offer.
Buy the item for above its market value (+5%). Note that price, this is your sell price
Sell the item below its market value (-5%) and note that price, this is your buy price
The difference between them is your profit margin
The above scenario works perfectly with low priced/high volume items, because the community controls the price. Not one single individual can hold or manipulate the prices by hoarding themselves. If someone had 50m fire runes, that changes nothing about it's price point, and whilst this may be an extremely low priced item, it plays true to this statement.
However, as the image above shows, you shouldn't be checking margins for all types of items.
I can't say specifically at which point you would want to stop checking margins in-game, but the two photos below should help provide a guideline. Item One (see image below) is traded so frequently that the community as a whole has a strong hold on its price point. Where as Item Two (see image below) has little traded at any given point time, making it more susceptible to price change. This of course ignores the idea of hypes, panics, item usefulness and game updates.
Notice by looking at this image, you'll see the data separated into different columns: current price, approximate offer price, approx. price, approx. profit, buying quantity (per hour), selling quantity (per hour), buy/sell ratio, GE limit, buying price and est. profit.
Current Price: Average price item is being bought or sold at
Approx. Offer Price: Approximate price buyers are placing their offers
Approx. Sell Price: Approximate price sellers are placing their offers
Buying Quantity: Amount being placed in the GE for sale
Selling Quantity: Amount being sold in the GE
Buy/Sell Ratio: Exactly this, (x bought per hour/x sold per hour)
GE Limit: Amount that can be bought within the 4 hour cap – all unknown values have an infinity sign (does not mean infinity though)
Buying Price: Live trading price
Est. Profit: Live estimated profit
You can filter any one of the columns to showing values highest to lowest and vice versa (See GIF below).
As a general rule of thumb, you're going to want to find items that have a positive buy/sell ratio (or as close to 1 as possible), and don't have question marks next to their values.
The question marks are an indication that the item is traded so little, that it's true value isn't really known and it's price points can vary wildly. For experienced merchants, this isn't a problem, but for someone just starting out, you're going to want to avoid these at all costs.
An example of this would be hunter potions. This comes with a bit of logic, how often do you or anyone in the game use hunting potions? If you manage to acquire some, you're going to have a difficult time getting them off your hands for a reasonable price.
Utilizing the Graphs
The price point can change quite radically at any given point in time during the day. This is why you should only view the table as a shopping list, and view the charts as real data to base your flips.
However, this skill requires practice and due dilligence, it's not something you're going to master in one day, or even a week or month.
In order to base your margins, you'll want to look at the varying differences between the red and blue lines – but you'll also want to look at all timeframes. If the item is hitting its historic peak and there were no updates in game that would've made such item more valuable, then you're possibly looking at a bubble.
Bubbles are single handedly the most dangerous times to invest in any item. Essentially, this is when an item has reached a point in value that cannot be sustained and is likely to crash soon (see image below for an example).
If you ever see an item that is hitting its historic high point, then this could be an indication of a bubble and should be avoided at all costs. Of course you'll want to take into consideration other factors, such as whether or not an update has increased that items value.
Merchanting isn't an easy practice by any means. It requires dedication, practice and patience to become truly good at it. Don't get discouraged by any losses you face. Whatever form of flipping you plan on doing, don't invest your whole bank into it, because if you do experience a heavy loss, you'll still have value in your bank that won't be affected.
Don't sit at the grand exchange all day waiting for items to flip. Do other activities in game while your items are being bought or sold. Let your money work for you and make money elsewhere as well.
Sometimes I hear players say, "well zulrah makes more money per hour then if I were to sit at the GE." That's good, but that doesn't mean you should keep your money in your bank just wasting away. Put it to good use and allow it to continue growing your bank while you also enjoy the game.
But most importantly, have fun merchanting and best of luck on your flips!
Become an Outstanding Merchant
GE Tracker members average 25m profit. Try it yourself 2 days free. No credit card required!
GE Tracker collects live item pricing information for OSRS via the OSRS Wiki API. We process the data, and then provide intelligent and tailored lists to our users. This ensures our users remain the most informed and up-to-date merchants in the game. We pride ourselves on our strong community of merchants, skillers, questers and PvMers.
Live pricing data is provided by players using the RuneLite game client. Information is also collected from the OSRS Wiki. We currently have pricing information for 3,960 items.
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Hire a scooter for the day and pick out the places you want to see and nip along to them at your own pace. The scooters fit two people on them so you can cruise along with your friend if you fancy it. Say goobye to parking problems as you squeeze in to places that cars can't get in to.
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The boat trip takes you from San Antonio to the famous Ibiza hippie market of Es Canar. Further access points in the west and north will be reached. The 4 hour boat ride takes you along the beautiful coastline of the Balearic Island to the east to Cala Martina, where the lively Hippy Market takes place every week.
Beautiful coastal tour with the Ibiza ferry to Formentera. The delightful crossing starts in San Antonio and leads over the west side of Ibiza past the sublime natural spectacle of Es Vèdra and the impressive south bend. After about three and a half hours of relaxation and sightseeing on the sea, you will reach the enchanting Formentera. You can spend an eventful day on the island before the Aquabus brings you back in the evening.
Full-length Ibiza: Take a boat trip around the island and see some of the absolute highlights from the water. The day trip lasts approximately 9 hours and includes a bath break in front of Tagomago, shore leave in Ibiza city as well as food, free drinks, jet skiing (co-pilot), live DJ and animation.
Wakeboarding, banana riding or wakesurfing on Ibiza - all from one boat. You can rent a speedboat for 1, 4 or 8 hours for up to 12 friends. The equipment for numerous water sports activities is already on board. This equips you for a boat trip full of action and lots of fun.
Experience the sunset on Ibiza in the best location on this 2-hour excursion with a short boat trip, a 30-minute SUP excursion under the evening sky and a freshly prepared Mojito. Professional trainers accompany the group (max. 12 participants) and give a basic course in standing paddling on request.
Spend a wonderful day on the west coast of Ibiza with a boat trip, stand up paddling and snorkeling in the beautiful bays of the island. Beginners receive a basic course in standing paddling, there is a barbecue on board, an experienced guide and 7 hours of time to relax and unwind.
Wonderful SUP tour to the most beautiful places on the west coast of Ibiza. By boat from San Antonio to a quiet starting point for the stand up paddling and then about 1 hour with a guide across the water. Suitable for all levels. Equipment, fresh fruit and soft drinks included. On the way back: 30-minute stop to relax and snorkel.


An innovative six-year high school program, NYC P-TECH Schools prepares students for college and future careers in competitive industries. Each of the seven NYC P-TECH schools are affiliated with a City University of New York community college that offers courses towards a free Associate's Degree, and an industry partner to help students explore career pathways and the skills needed to work in its field. Tiny Lichen designed a dynamic, responsive site that enabled the client to address a wide range of audiences and therefore fulfilling their educational, marketing, and recruitment needs.


text:
Q: Centering table with position:absolute in popup window On my site, users can open a popup window (600 px wide, named IMOpen). On this popup window, I am trying to add a new feature that will appear in a table (id="Table1") onclick of a button. Table1 has the following CSS:
#Table1 {
position:absolute;
top:60px;
z-index:15000;
display:none;
background-color:#fff;
border-width:thin;
border-style:solid;
border-color:#000;
width:100px;
height:100px;
}

Normally, I would center a position:absolute/high z-index div or table (such as Table1) like so (using the width of Table1);
function ShowTable() {
    $("#Table1").fadeIn(500);
    $("#Table1").css({marginLeft: ((screen.availWidth - 100) / 2) + 'px'});
}

However, when I do this, Table1 appears on the popup window as if the availWidth is the width of my monitor's screen...no surprise. I know how to rectify this....simply use the width of IMOpen and rewrite the function as:
function ShowTable() {
    $("#Table1").fadeIn(500);
    $("#Table1").css({marginLeft: ((600 - 100) / 2) + 'px'});
}

which works exactly as intended. However, I would like to know how to do this more generally. When I tried the following code:
function ShowTable() {
    $("#Table1").fadeIn(500);
    $("#Table1").css({marginLeft: ((IMOpen.availWidth - 100) / 2) + 'px'});
}

The table floats left. When I try:
function ShowTable() {
    $("#Table1").fadeIn(500);
    $("#Table1").css({marginLeft: ((IMOpen.width - 100) / 2) + 'px'});
}

the table floats left again...assuming neither of these attempts were recognized as valid code. How would I correctly generalize the available width of the popup window into the .css jquery function? Using the popup name? availWidth? Other? Thanks for any help!

redpajama_set_name: RedPajamaStackExchange


text:
Home Local Torrevieja and local news for Monday evening 24 May 2021
Repairs to the sanitation network on calle María Parodi in Torrevieja
Torrevieja and local news for Monday evening 24 May 2021
@leadernewspaper
The mayor of Torrevieja, Eduardo Dolón, accompanied by the Agamed manager, Jorge Ballesta, visited the works being carried out to the sanitation network on calle María Parodi this morning.
The work, being carried out by Agamed, is part of the 2021 infrastructure plan.
The average waiting time for an operation in the University Hospitals of Torrevieja and Vinalopó, is 42 and 46 days respectively, "a figure considerably lower than the average of public hospitals in the Community Valenciana", according to the latest data published by the Ministry of Health.
The surgical waiting list to be operated on in the hospitals of the Valencian Community stands at 127 days in April, which represents a reduction of 15 days compared to March, while the number of patients waiting to be operated is 61,387, which is 1,260 less than the previous month.
Parts of Torrevieja will experience power cuts on Thursday as routine maintenance work is carried out. The cuts will also affect parts of the Orihuela Costa on Wednesday. The disruption normally lasts no more than a couple of hours.
Torrevieja will have 16 new defibrillators installed in municipal buildings thanks to the acquisition of the semiautomatic units at the cost of 17,695 euro.
The Calibán Teatro company has started its 2021 tour in which its fourth stop will be the Torrevieja Municipal Theatre on June 19 at 8:00 p.m. The Strange Couple is the story of Flora Ugarte, a middle-aged woman who has just broken up with her husband. Completely dejected and with nowhere to go, the idea of suicide begins to haunt her head.
Her lifelong friends are aware of the depression she has fallen into and one of them, Olga Martínez, offers to take her into her home until she is better. The only problem is that the two are like night and day. Olga is romantic, outgoing, and a complete mess. Flora is shy, homey and a complete obsessive-compulsive maniac. Conflict is served.
The senior team of Halcones de Torrevieja hockey team are champions of the Autonomous League after beating Alas de Sagunto 8-0 at the Cecilio Gallego pavilion, where the players Led by Christian Mader and Nacho del Rey were able to celebrate the title with the fans.
The Spanish Llaüt-Banco Fijo del Mediterráneo Championship, held at the Real Club Náutico de Denia, has proclaimed the team of veterans from the Torrevieja Rowing Club, Champions of Spain. The men's youth team also came away with bronze.
The province of Alicante has 30 new classrooms for two-year-olds born in 2019 for this next academic year, totalling 300 classrooms and a total of 5,800 places in all schools and nursery schools.
Nine people belonging to two criminal groups dedicated, allegedly, to the production and distribution of narcotic substances have been arrested by the National Police after a confrontation with knives on the beach of San Juan, when the participants started the brawl after a failed sale of marijuana.
A fire declared on Sunday in the Museum of Holy Week in Orihuela affected walls and ceilings, as reported by the Provincial Firefighters Consortium of Alicante. It is thought an electrical fault caused the fire. A similar event occurred in January.
Albatera fig producers started this year's campaign with great optimism, after the drop in production in 2020, which barely reached 600 tons. The current outlook is excellent, as it is expected to double last season's harvest to 1,500 tons.
During his meeting with the United Kingdom ambassador to Spain, Hugh Elliot, the President of the Valencia Region, Ximo Puig, raised the possibility of territorialising the country for tourists who choose to travel to Spain, in order to facilitate their mobility to the Valencian Community. The President conveyed to the ambassador the good epidemiological situation of the Valencian Community.
The Regional Government has put out to tender the drafting of the project for the expansion and adaptation of the large esplanade of the Mirador del Moncaio, next to the N-332 and the roundabout connecting with the CV-895 del Campico.
Among other actions, the regional administration contemplates the future use of this large space as motorhome parking, a type of public facility that does not yet exist on the Vega Baja coastline.
Peripheries
Torrevieja News
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Twitter has begun clamping down on stolen jokes and is now deleting Tweets that contain material taken from other people. This doesn't include retweets, but rather people who literally steal amusing tweets for their own use.
The new policy was noticed last Saturday, when Twitter user @plagiarismisbad noticed that some Tweets were being hidden for copyright infringement. Freelance writer Olga Lexell admits that she was the one to have started asking Twitter to take down the offending Tweets. She reasoned that Twitter is a testing ground for jokes, and she would rather not have people stealing her material and claiming it for their own.
There is some concern that this could set a new precedent for the removal of Tweets for a variety of reasons. However, it has been noted that Twitter does take time to examine the validity of each request that comes its way. Companies have attempted to have Tweets criticising their products in the past; all of which have failed.
However, this is the first in what could be more writers defending their tweets and comments appearing on the micro-blogging site. On a positive note, it could easily force people to put more work into being genuinely funny; instead of simply stealing jokes from talented people.


Jesse Lingard has come under fire in some quarters for saying he feels more comfortable representing England than Man Utd.
Jesse Lingard has hit back at his critics after he came under fire for saying he feels more comfortable playing for England than Manchester United.
The 25-year-old made the comments in an interview with GQ, saying: "I actually feel more comfortable when I play for England than United. Every game, you've got to play with no fear."
The quotes were picked up and recirculated by a number of media outlets - and Lingard believes a mountain is being made out of a molehill.
He took to his Instagram story to hit back, writing: "Clutching at staws as per SMH (shaking my head)." And: "More than comfortable" on top of a picture of him celebrating his winning goal against Chelsea this season.
Lingard is gearing up for his first major tournament with England after a solid individual campaign for United, during which he scored 13 goals and notched seven assists.
The Warrington-born attacker is one of four United players in Gareth Southgate's squad, along with Ashley Young, Phil Jones and Marcus Rashford, and he's looking forward to the experience of representing his country in Russia.
"It's one of the pinnacles of your career as a player and it will be my first World Cup so I've got to enjoy every minute, whether I start of if I've got to make an impact from the bench," Lingard said.
"And I do think we will do well because of the team spirit we've got."


"The Wisdom of Thomas Jefferson"
we shall become as corrupt as Europe.
who are willing to work and give to those who would not.
It is incumbent on every generation to pay its own debts as it goes.
A principle which if acted on would save one-half the wars of the world.
of taking care of them.
disbelieves and abhors is sinful and tyrannical.
'I believe that banking institutions are more dangerous to our liberties than standing armies.


text:
/**
 * Created by Zhenyi Wang.
 * Last modified on 12 Jan 2015.
 */

package com.wangzhenyi.miracleinsperation;

import android.content.ContentValues;
import android.content.Context;
import android.database.Cursor;
import android.database.sqlite.SQLiteDatabase;
import android.database.sqlite.SQLiteOpenHelper;

import com.wangzhenyi.miracleinsperation.MiracleInsperationContract.InsperatioinEntry;

import java.util.Date;
import java.util.Random;
import java.util.Vector;

/**
 * Database helperfor the Miracle Insperation app
 */
public class MiracleInsperationDbHelper extends SQLiteOpenHelper {

    public static final int DATABASE_VERSION = 1;
    public static final String DATABASE_NAME = "MiracleInsperation.db";
    private static final String TEXT_TYPE = " TEXT";
    private static final String LONG_TYPE = " LONG";
    private static final String INTEGER_TYPE = " INTEGER";
    private static final String COMMA_SEP = ",";
    private static final String SQL_CREATE_ENTRIES =
            "CREATE TABLE " + InsperatioinEntry.TABLE_NAME + " (" +
                    InsperatioinEntry._ID + " INTEGER PRIMARY KEY AUTOINCREMENT," +
                    InsperatioinEntry.COLUMN_NAME_DATE + LONG_TYPE + COMMA_SEP +
                    InsperatioinEntry.COLUMN_NAME_CONTENT + TEXT_TYPE + COMMA_SEP +
                    InsperatioinEntry.COLUMN_NAME_DELETED + INTEGER_TYPE + " DEFAULT " + Insperation.NOT_DELETED +
                    " )";
    private static final String SQL_DELETE_ENTRIES =
            "DROP TABLE IF EXISTS " + InsperatioinEntry.TABLE_NAME;

    private static final String[] samples = {
            "耶和华阿,尊大,能力,荣耀,强胜,威严都是你的。凡天上地下的都是你的。国度也是你的,并且你为至高,为万有之首。\n\n\t历代志上 29:11",
            "因为经上说,看哪,我把所拣选所宝贵的房角石,安放在锡安。信靠他的人,必不至于羞愧。\n\n\t彼得前书 2:6",
            "他叫我们能承当这新约的执事。不是凭着字句,乃是凭着精意。因为那字句是叫人死,精意是叫人活。(精意或作圣灵)。\n\n\t哥林多后书 3:6",
            "众先知也为他作见证,说,凡信他的人,必因他的名,得蒙赦罪。\n\n\t使徒行传 10:43",
            "他们说,当信主耶稣,你和你一家都必得救。\n\n\t使徒行传 16:31",
            "神说,要有光,就有了光。\n\n\t创世纪 1:3",
            "神说,我们要照着我们的形像,按着我们的样式造人,使他们管理海里的鱼,空中的鸟,地上的牲畜,和全地,并地上所爬的一切昆虫。\n\n\t创世纪 1:26",
            "亚伯兰信耶和华,耶和华就以此为他的义。\n\n\t创世纪 15:6",
            "你不要害怕,因为我与你同在。不要惊惶,因为我是你的神。我必坚固你,我必帮助你,我必用我公义的右手扶持你。\n\n\t以赛亚书 41:10",
            "凡接待他的,就是信他名的人,他就赐他们权柄,作神的儿女。\n\n\t约翰福音 1:12",
            "神爱世人,甚至将他的独生子赐给他们,叫一切信他的,不至灭亡,反得永生。\n\n\t约翰福音 3:16",
            "信他的人,不被定罪。不信的人,罪已经定了,因为他不信神独生子的名。\n\n\t约翰福音 3:18",
            "信子的人有永生。不信子的人得不着永生,(原文作不得见永生)神的震怒常在他身上。\n\n\t约翰福音 3:36",
            "耶稣说,我就是生命的粮。到我这里来的,必定不饿。信我的,永远不渴。\n\n\t约翰福音 6:35",
            "我实实在在地告诉你们,信的人有永生。\n\n\t约翰福音 6:47",
            "我到世上来,乃是光,叫凡信我的,不住在黑暗里。\n\n\t约翰福音 12:46",
            "耶稣对他说,你因看见了我才信。那没有看见就信的,有福了。\n\n\t约翰福音 20:29",
            "在至高之处荣耀归与神,在地上平安归与他所喜悦的人。(有古卷作喜悦归与人)。\n\n\t路加福音 2:14",
            "所以你们当立定心意,不要预先思想怎样分诉。\n\n\t路加福音 21:14",
            "耶稣对他说,你若能信,在信的人,凡事都能。\n\n\t马可福音 9:23",
            "求你使我清晨得听你慈爱之言,因我倚靠你。求你使我知道当行的路,因我的心仰望你。\n\n\t诗篇 143:8",
            "就如经上所记,我在锡安放一块绊脚的石头,跌人的磐石。信靠他的人必不至于羞愧。\n\n\t罗马书 9:33",
            "因为凡求告主名的,就必得救。\n\n\t罗马书 10:13"
    };

    public MiracleInsperationDbHelper(Context context) {
        super(context, DATABASE_NAME, null, DATABASE_VERSION);
    }

    @Override
    public void onCreate(SQLiteDatabase db) {
        db.execSQL(SQL_CREATE_ENTRIES);
    }

    @Override
    public void onUpgrade(SQLiteDatabase db, int oldVersion, int newVersion) {
        clear(db);
    }

    /* Simply discard the data and start over */
    public void clear(SQLiteDatabase db) {
        db.execSQL(SQL_DELETE_ENTRIES);
        onCreate(db);
    }

    /* Selects all the visible items from database */
    public Vector<Insperation> getDisplayableInsperations() {
        Vector<Insperation> insperations = new Vector<Insperation>();

        // Gets the data repository in write mode
        SQLiteDatabase db = getWritableDatabase();

        // Defines a projection that specifies the queried columns from
        // the database
        String[] projection = {InsperatioinEntry._ID,
                InsperatioinEntry.COLUMN_NAME_DATE,
                InsperatioinEntry.COLUMN_NAME_CONTENT};

        // Sort order
        String sortOrder = InsperatioinEntry.COLUMN_NAME_DATE; // + " DESC";
//        String sortOrder = InsperatioinEntry._ID; // + " DESC";

        String whereColumns = InsperatioinEntry.COLUMN_NAME_DELETED + "=?";
        String[] whereValues = {Insperation.NOT_DELETED+""};

        Cursor c = db.query(InsperatioinEntry.TABLE_NAME, // The table to query
                projection, // The columns to return
                whereColumns, // The columns for the WHERE clause
                whereValues, // The values for the WHERE clause
                null, // don't group the rows
                null, // don't filter by tow groups
                sortOrder // The sort order
        );

        if (!c.moveToFirst()) {
            db.close();
            return insperations;
        }

        // Adds items to vectors
        do {
            int id = c.getInt(c.getColumnIndexOrThrow(InsperatioinEntry._ID));
            long dateLong = c.getLong(c
                    .getColumnIndexOrThrow(InsperatioinEntry.COLUMN_NAME_DATE));
            Date date = new Date(dateLong);
            String content = c
                    .getString(c
                            .getColumnIndexOrThrow(InsperatioinEntry.COLUMN_NAME_CONTENT));
            Insperation insperation = new Insperation(id, date, content);
            insperations.add(insperation);
        } while (c.moveToNext());

        // Closes cursor and repository
        c.close();
        db.close();

        return insperations;
    }

    /* Updates the state of an item to deleted in database */
    public int deleteInsperation(int id) {
        // Create a new map of value
        ContentValues values = new ContentValues();
        values.put(InsperatioinEntry.COLUMN_NAME_DELETED, Insperation.DELETED);

        String whereClause = InsperatioinEntry._ID + "=?";
        String[] whereArgs = {id + ""};

        // Gets the data repository in write mode
        SQLiteDatabase db = getWritableDatabase();

        // Update the record, returning the number of rows affected
        int result = db.update(InsperatioinEntry.TABLE_NAME, values, whereClause, whereArgs);

        // Closes the database
        db.close();

        return result;
    }

    public void generateSamples() {
        Vector<Insperation> insperations = new Vector<Insperation>();

        for (int i = 0; i < 15; i++) {
            insperations.add(new Insperation(new Date(), getRandomString()));
        }

        for (Insperation insperation : insperations) {
            addInsperation(insperation);
        }
    }

    public long addInsperation(Insperation insperation) {
        return addInsperation(insperation, false);
    }

    private String getRandomString() {
        int num = samples.length;
        int ran = new Random().nextInt(num);
        return samples[ran];
    }

    /* Inserts an item, assigning an id to the item object */
    public long addInsperation(Insperation insperation, boolean useDeleted) {
        // Gets the data repository in write mode
        SQLiteDatabase db = getWritableDatabase();

        // Create a new map of values, where column names are the keys
        ContentValues values = new ContentValues();
        values.put(InsperatioinEntry.COLUMN_NAME_CONTENT,
                insperation.getContent());
        values.put(InsperatioinEntry.COLUMN_NAME_DATE, insperation.getDate()
                .getTime());
        if(useDeleted) {
            values.put(InsperatioinEntry.COLUMN_NAME_DELETED, insperation.getDeleted());
        }

        // Insert the new row, returning the primary key value of the new row
        // long newRowId;
        // newRowId = db.insert(InsperatioinEntry.TABLE_NAME, null, values);
        long result = db.insert(InsperatioinEntry.TABLE_NAME, null, values);

        // Selects the new id and assigns to the item object
        Cursor cursor = db.rawQuery("select LAST_INSERT_ROWID() ", null);
        if (cursor.moveToFirst()) {
            int newId = cursor.getInt(0);
            insperation.setId(newId);
        }

        db.close();

        return result;
    }

    /* Selects all the visible items from database */
    public Vector<Insperation> getDeletedInsperations() {
        Vector<Insperation> insperations = new Vector<Insperation>();

        // Gets the data repository in write mode
        SQLiteDatabase db = getWritableDatabase();

        // Defines a projection that specifies the queried columns from
        // the database
        String[] projection = {InsperatioinEntry._ID,
                InsperatioinEntry.COLUMN_NAME_DATE,
                InsperatioinEntry.COLUMN_NAME_CONTENT};

        // Sort order
        String sortOrder = InsperatioinEntry.COLUMN_NAME_DATE + " DESC";

        String whereColumns = InsperatioinEntry.COLUMN_NAME_DELETED + "=?";
        String[] whereValues = {Insperation.DELETED+""};

        Cursor c = db.query(InsperatioinEntry.TABLE_NAME, // The table to query
                projection, // The columns to return
                whereColumns, // The columns for the WHERE clause
                whereValues, // The values for the WHERE clause
                null, // don't group the rows
                null, // don't filter by tow groups
                sortOrder // The sort order
        );

        if (!c.moveToFirst()) {
            db.close();
            return insperations;
        }

        // Adds items to vectors
        do {
            int id = c.getInt(c.getColumnIndexOrThrow(InsperatioinEntry._ID));
            long dateLong = c.getLong(c
                    .getColumnIndexOrThrow(InsperatioinEntry.COLUMN_NAME_DATE));
            Date date = new Date(dateLong);
            String content = c
                    .getString(c
                            .getColumnIndexOrThrow(InsperatioinEntry.COLUMN_NAME_CONTENT));
            Insperation insperation = new Insperation(id, date, content);
            insperations.add(insperation);
        } while (c.moveToNext());

        // Closes cursor and repository
        c.close();
        db.close();

        return insperations;
    }

    public Vector<Insperation> exportData() {
        Vector<Insperation> insperations = new Vector<Insperation>();

        // Gets the data repository in write mode
        SQLiteDatabase db = getWritableDatabase();

        // Defines a projection that specifies the queried columns from
        // the database
        String[] projection = {InsperatioinEntry._ID,
                InsperatioinEntry.COLUMN_NAME_DATE,
                InsperatioinEntry.COLUMN_NAME_CONTENT,
                InsperatioinEntry.COLUMN_NAME_DELETED};

        Cursor c = db.query(InsperatioinEntry.TABLE_NAME, // The table to query
                projection, // The columns to return
                null, // The columns for the WHERE clause
                null, // The values for the WHERE clause
                null, // don't group the rows
                null, // don't filter by tow groups
                null  // The sort order
        );

        if (!c.moveToFirst()) {
            db.close();
            return insperations;
        }

        // Adds items to vectors
        do {
            int id = c.getInt(c.getColumnIndexOrThrow(InsperatioinEntry._ID));
            long dateLong = c.getLong(c
                    .getColumnIndexOrThrow(InsperatioinEntry.COLUMN_NAME_DATE));
            Date date = new Date(dateLong);
            String content = c
                    .getString(c
                            .getColumnIndexOrThrow(InsperatioinEntry.COLUMN_NAME_CONTENT));
            int deleted = c.getInt(c.getColumnIndexOrThrow(InsperatioinEntry.COLUMN_NAME_DELETED));

            Insperation insperation = new Insperation(id, date, content, deleted);
            insperations.add(insperation);
        } while (c.moveToNext());

        // Closes cursor and repository
        c.close();
        db.close();

        return insperations;
    }

    public long importData(Vector<Insperation> insperations) {
        if(insperations == null || insperations.isEmpty()) {
            return -1;
        }

        long count = 0L;

        for(Insperation insperation : insperations) {
            long result = addInsperation(insperation, true);

            if(result>=0)
                count++;
            //TODO optimise multi insert
        }

        return count;
    }

}

redpajama_set_name: RedPajamaGithub


text:
02 9266 0455 Menu button
Legal Expertise
Erect Safe Scaffolding (Australia) Pty Limited v Sutton - August 2008
Claims for accidents on building sites usually involve multiple parties. There are often contracts between the parties that contain clauses that deal with risk allocation and protection against risk. The contracts contain indemnity and insurance clauses that seek to impose certain obligations.
Sub-contractors are often under pressure to accept the standard wording contained in contracts produced by head contractors. An indemnity clause in a contract can seek to shift all responsibility for the head contractors' damages to the sub-contractor. This can create problems if the public liability insurance policy taken out by the sub-contractor contains an exclusion for contractual liability and the contract in question has not been noted in the Schedule attached to the policy. This means that in the event of the sub-contractor being liable to indemnify the head contractor under the contract, the sub-contractor will be uninsured for liability assumed under the agreement.
The decision highlights the importance of the wording in indemnity and insurance clauses in contracts being carefully drafted.
The facts in Sutton:
Ian Sutton was injured at work on 21 October 2002. Sutton was employed as a leading hand by Dalma Formwork Pty Limited. He was working on the construction of a large multi-storey residential and commercial building.
Australand Constructions Pty Limited was the head contractor. Dalma is a formwork company that was sub-contracted to Australand. Dalma was not a party to the proceedings. Erect Safe Scaffolding (Australia) Pty Limited provided scaffolding services to Australand pursuant to a contract. Erect safe was responsible for erecting and maintaining scaffolding on site.
Mr Sutton was injured when he was constructing formwork to enable concrete to be poured for the external wall of Level 9 of the building. The plaintiff obtained access to the area outside of the building by means of scaffolding.
Mr Sutton walked along the planking flooring on a scaffold until he reached a corner. About 1 metre around the corner crossbar ties supporting the scaffolding extended across the walkway about head height. Mr Sutton did not see the crossbar and struck his head on it. The crossbar had been erected by Erect Safe. Australand formed a Safety Committee prior to the accident that observed the protruding crossbar. The problem was not recorded by the Safety Committee however and there was no indication that any direction had been given to Erect Safe to rectify the problem. The Court held that Erect Safe created the hazard and failed to remove it. Australand was also liable to the plaintiff for a breach of duty of care.
The sub-contract between Erect Safe and Australand contained the following indemnity and insurance clauses:
"The Sub-Contractor must indemnify Australand against all damages … or liability of any nature suffered or incurred by Australand arising out of the performance of the Sub-Contract Works and its other obligations under the Sub-Contract."
… The Sub-Contractor must effect and maintain during the currency of the Sub-Contract Public Liability Insurance in the joint names of Australand and the Sub-Contractor to cover them for their respective rights and interests against liability to third parties for loss of or damage to property and the death of or injury to any person."
The Trial Judge found that the indemnity clause was engaged with the consequence that Erect Safe was required to indemnify Australand. Furthermore, Australand was entitled to damages for a breach by Erect Safe of its obligations to maintain a policy of public liability insurance.
Interpreting the Indemnity Clause:
The issue that arose for the Court of Appeal was whether clause 11 confined the liability of Erect Safe to indemnify Australand for liabilities arising from Erect Safe's performance of the Sub-Contract's Works or whether it extended to a liability of Australand which arose in relation to those Works. The Court held that the indemnity was confined.
Giles JA summarised the issue as follows:
"Australand incurred liability because it owed to Mr Sutton a duty to take reasonable care to see that the site was safe, and breached that duty by failing to take reasonable care to see that the danger presented by the protruding ties - of which it was aware through the work safe committee walk around - was minuted and attended to. Erect Safe created the problem and failed to rectify it in its performance of the Sub-Contract Work. Did Australand's liability arise out of the performance by Erect Safe of the Sub-Contract Works?"
The Court answered that question in the negative. It held similarly:
"The incurring of liability by Australand directs attention to why the liability was incurred and particularly to whether an act or omission of Australand itself brought the liability upon it. Here it did."
The same issue was considered by the NSW Supreme Court in QBE Insurance v SLE Worldwide (29 July 2005). In that case, Ms Henderson was injured on 30 September 2001 when she slipped on some steps at Stadium Australia whilst attending a Rugby League Grand Final organised and promoted by the NRL. She sued the operator of the Stadium, Stadium Australia Management ("SAM") and its agent, Ogden International.
QBE insured SAM and Ogden. SLE insured the NRL. QBE made a claim for dual insurance against SLE. The SLE policy provided insurance for "liability arising from and in relation to the activities of the NRL at Stadium Australia".
Although the Stadium was made available to the NRL for its game, SAM and Ogden had responsibility for the catering and condition of the steps. The plaintiff slipped on the metal steps because of spilt drink. Therefore Ms Henderson's accident was not due to anything done or omitted to be done by the NRL except that had the NRL not organised and promoted the game, Ms Henderson would not have been at the Stadium and exposed to the risk of the slippery steps. The question to be answered by the Court was whether SAM and Ogden's liability to Ms Henderson arose from and was in relation to the NRL's activities. The Court said that the expression "arising from" or "arising out of" involves the notion of at least some causal or consequential relationship, although that may be indirect rather than proximate.
The Court held that the words "arising from" denote the need for at least an indirect causal relationship which was not satisfied merely by the fact that, but for the NRL's staging of the game, the liability of SAM and Ogden would not have arisen.
The Court adopted the reasoning of the Court of Appeal of Victoria in Australian Paper Plantations Pty Limited v Venturoni (5 May 2000). In that case, Australian Paper Plantations ("APP") owned a forest. APP engaged Venturoni to cut down timber. Venturoni engaged Mr Mikulich to fell the trees. Mr Mikulich was injured by a falling tree. APP settled the action brought by Mr Mikulich and then sought indemnity from Venturoni in reliance on an indemnity clause contained in a contract between the parties. The indemnity was in favour of APP against all costs, damages etc arising out of or in respect of "the carrying out of the agreement".
Mr Mikulich did not allege who or what caused the tree to fall. APP conceded that the indemnity clause would not apply if the connection between a liability and the carrying out of the contract was merely temporal. It was not sufficient that a person to whom liability was owed was present and exposed to injury because he was performing work required by the contract between the parties. APP accepted that the words "arising out of and in respect of" required a discernable and rational link between the liability or claim and the carrying out of the contract.
In Leighton Contractors Pty Limited v Smith (2000) NSWCA 55 the plaintiff was employed by Leighton, but on the day he was injured, he was working for the sub-contractor B&B. The plaintiff was securing roof trusses. One of the trusses collapsed and the plaintiff was injured. Although Leighton owed a duty to the plaintiff as his employer the "cause" of the plaintiff's injuries was the faulty erection of the roof truss by B&B.
A contract between Leighton and B&B included the following term: "The Sub-Contractor (B&B) shall indemnify and keep indemnified the company (Leighton) against all loss or damage … resulting from … personal injury arising out of or resulting from any act, error or omission or neglect of the Sub-Contractor."
The Court held that the proper construction of the clause meant that B&B was obliged to indemnify Leighton in full for the verdict against it. The Court pointed out that the indemnity clause was not concerned with the cause of Leighton's loss or damage, being the cause of its liability to Smith, but rather with the cause of Smith's personal injury. The Court concluded that it was irrelevant to the operation of the clause whether the B&B's "act or omission or neglect" was the cause of Leighton's liability. It was a cause of Smith's personal injury.
McClellan CJ who gave the lead judgment believed that the liability of Australand did not "arise" out of the performance by Erect Safe of any of its contractual obligations. Even though His Honour acknowledged that the occasion for the liability of Australand was the erection by Erect Safe of the faulty scaffold, he believed the liability of Australand arose from its own independent act of negligence in failing to maintain an appropriate safety regime for the site. The Judge believed that there was no direct or indirect causal connection between Erect Safe's performance of the Sub-Contract Works and the liability of Australand which arose in relation to those Works. The Judge was guided by the Decision of the High Court in Andar Transport Limited v Brambles Limited (2004) and said that any ambiguity in an indemnity clause should be construed in favour of the surety. The Judge cast doubt on the standing of Darlington Futures Limited v Delco Australia Pty Limited (1986) in which the Court favoured the approach of adopting the "ordinary and natural meaning of the words".
Erect Safe failed to take out insurance in the joint names of Australand and the Sub-Contractor as required in clause 12.1 of the Contract. McClellan CJ noted that the obligation imposed on Erect Safe by clause 12.1 was to obtain insurance to cover both Australand and Erect Safe "for their respective rights and interests against liability to third parties for loss of or damage to property and the death of or injury to any person."
The Judge noted that clause 12 followed clause 11 and His Honour had already concluded that the liability of Erect Safe under clause 11 was confined. He expressed the view that it would be surprising that if notwithstanding that limitation, the parties intended Erect Safe to obtain insurance for any liability of Australand, even that arising from its own negligence. Justice McClellan said that in the absence of express words, the obligation under an insurance clause in a contract which is provided to support an indemnity clause will not require the Sub-Contractor to maintain insurance against loss occasioned by the head contractor's negligence.
The Judge believed it was appropriate to adopt the same approach to the construction of clause 12.1. The Judge said that Australand's "rights and interests" referred to are those provided by the indemnity provided in clause 11. As Australand had no right to recover from Erect Safe in respect of damages occasioned by its own negligence, Erect Safe had no obligation to obtain insurance to support Australand's direct liability to the plaintiff caused by the negligent act of Australand.
The factual interpretation by the Court was a surprising result. Erect Safe erected the scaffolding. Erect Safe created the risk by constructing the protruding crossbar. The risk came home because the plaintiff struck his head on the crossbar. It is therefore hard to see how the injury could not be said to have arisen out of the performance of the Sub-Contract Works. The Decision is unhelpful as the Court does not say exactly what is required to make the liability arise out of the performance of the Sub-Contract Works. It is an odd factual decision.
The Court's decision on the indemnity clause is not that surprising as it adopts the reasoning of the Court of Appeal of Victoria in Australian Paper Plantations Pty Limited v Venturoni as well as the Supreme Court of NSW in QBE Insurance V SLE Worldwide.
Indemnities are generally phrased with the words "we will indemnify you for any loss arising out of" the performance of the Contract Works. It can be a direct or indirect causal connection. Usually it is not difficult to establish that a loss arises out of the performance of the Contract Works.
The High Court says that in order to interpret the wording of indemnity and insurance provisions, you have to apply the words of the relevant clause to the facts, construed as part of the contract as a whole. Reference to other decisions of the Court based on different contracts are likely to be of limited assistance.
It is important to take care in drafting an indemnity clause. In Leighton Contractors v Smith the Sub-Contractor was obliged to indemnify Leighton in full for the verdict against it. This is because the clause was not directed to the cause of Leighton's loss or damage, ie its liability to Smith, but to the cause of Smith's personal injury.
The indemnity clause in Erect Safe was different to the wording in Leighton Contractors because in Smith, it was irrelevant that the act or omission of the Sub-Contractor was not the cause of the head contractor's liability. In Erect Safe, the wording of the indemnity clause required the Court to consider why the liability of Australand was incurred and particularly whether an act or omission of Australand itself brought the liability upon it.
If a head contractor wishes to be entitled to complete indemnity from a Sub-Contractor, even where the head contractor is also at fault, the wording used in the indemnity clause must be very clear and without ambiguity. The Court is otherwise likely to confine the indemnity so that it applies only where Sub-Contractor has been negligent.
Furthermore, if the principal wishes to have the benefit of insurance cover arranged by the Sub-Contractor, the wording of the insurance clause in the contract should state clearly that the insurance cover must extend to the head contractor's own negligence.
Section 151Z(2) of the Workers Compensation Act 1987:
Section 151Z(2) of the WCA operates so that an injured worker who successfully sues a third party, but who could also have recovered against their employer, will generally receive a reduced award of damages compared with the award they would be entitled to at common law. The employer's contribution is confined to the amount provided by Part 5 of the Act rather than the amount for which it would have been liable at common law and the total damages are reduced accordingly.
Section 151G(1) of the WCA provides that damages under the Act are confined to damages for past and future economic loss and past and future loss of superannuation benefits.
The calculation done by McClellan CJ under Section 151Z(2) of the WCA provides guidance as to how damages are to be assessed.
Employer not a party
In Erect Safe Dalma, the employer, was not a party to the proceedings. To simplify matters, assume the following:
CLA damages = $400,000
WCA damages = $300,000
The Court apportioned liability as follows:
Erect Safe: 60%
Australand: 25%
Dalma: 15%
The calculation required by Section 151Z(2) of the WCA is as follows:
$400,000 - $300,000 = $100,000
$100,000 x 15% = $15,000
$400,000 - $15,000 = $385,000
The plaintiff's recovery as against Erect Safe and Australand is $385,000. The Court's apportionment of 60% to Erect Safe and 25% to Australand needs to be "rounded up" to 100% to determine the respective shares of the total damages payable to the plaintiff. This works out approximately as follows:
Therefore Erect Safe pays $385,000 x 70% = $269,500.
Australand pays $385,000 x 30% = $115,500.
Employer is a party
Assume the following:
CLA damages - $400,000
WCA damages - $300,000
Employer's liability - 15%
The plaintiff obtains a verdict against Erect Safe and Australand of $400,000.
Applying Section 151Z:
Accordingly the plaintiff's verdict is reduced from $400,000 to $385,000 because of Section 151Z.
The employer (Dalma) pays 15% of the WCA damages of $300,000 = $45,000.
The Common Law Defendants pay the balance = $340,000.
The Court apportioned responsibility as follows:
If these percentages are "rounded up" it results in the following contributions:
The balance of the plaintiff's verdict of $340,000 payable by the Common Law Defendants is as follows:
$340,000 x 70% = $238,000
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text:
Q: How can I delete an image I have stored in Google Coud Storage Bucket in Flutter? (Not Firebase Cloud Storage) I have the image's public link. I'm thinking of the gcloud flutter package https://pub.dev/packages/gcloud but I can't really find anything that shows how to do exactly what I'm trying. Advanced Thanks.
PLEASE, I'm not talking about Firebase Cloud Storage.

A: To delete a file, first create a reference to that file. Then call the delete() method on that reference, which returns a Promise that resolves, or an error if the
Promise rejects.
import { getStorage, ref, deleteObject } from "firebase/storage";

const storage = getStorage();

// Create a reference to the file to delete
const desertRef = ref(storage, 'images/desert.jpg');

// Delete the file
deleteObject(desertRef).then(() => {
// File deleted successfully
}).catch((error) => {
// Uh-oh, an error occurred!
});


Victoria Hall is Westmount's community centre and home to the Community Events Division. The division is responsible for the operation of the building, including the Gallery at Victoria Hall, and the coordination of local events.
Westmount residents and community groups interested in organizing new events, creating new groups or volunteering can contact the Community Events Division.
Victoria Hall is Westmount's community centre and home to the Community Events Division. This division is responsible for the operation of the building, including the Gallery at Victoria Hall, and for the coordination of local City organized events.
Victoria Hall is used for Council events, cultural presentations and recreation courses offered by the City of Westmount.
The Gallery was designed and built to promote and encourage Westmount artists. It is managed and curated by the Gallery Selection Committee.
OBJECTIVE: The City receives many requests for the use of Victoria Hall. In keeping this building's mandate as a community centre, Council has established the following guidelines to ensure the facility is used exclusively for not-for-profit, community-based public events that are of interest and of benefit to the community.
These rules also ensure the smooth running of regular City programmes and the opportunity to accommodate Council events and special public events organized by City departments and by local groups and individuals.
6. gallery exhibitions by non-residents.
4. Events and activities that are not prohibited by this policy, which are organized and presented by Westmount-based not-for-profit organizations with a minimum of 50% Westmount resident membership.
6. Activities dealing with local or regional political matters are permitted if put on by Westmount-based groups, provided they are not partisan, lobbyist, or to do with a single issue. Any provincial or federal elected or civil servant may give non-partisan talks or lectures on strictly local or regional matters; however, multiparty events of a broader scope occurring during a formal electoral campaign are permitted.
When scheduling permits, the City will approve the use of Victoria Hall for memorial events for Westmounters, but cannot cancel previously-planned events for this purpose.
4. City departments should include volunteer participation in the planning and delivery of the events.
Some events may receive financial or logistical support from the City and/or local businesses.
2. When approved events take place outside of the normal operating hours of Victoria Hall, they will incur a charge based on the going rate, per hour, per staff person.
Some additional equipment (e.g. projector, coffee percolators) can be made available, but will be reserved on a first-come, first-served basis.
Registration period from April 12 to May 24, 2019.
African folk tale presented by Théâtre à l'envers. In French.


text:
(14/20 ov) 108/4
Nigel Plews
Nigel Trevor Plews
September 05, 1934, Nottingham
October 19, 2008 (aged 74y 44d)
Plod, Sarge
Mundella Grammar School, Nottingham
Nigel Plews was an English rarity - an umpire who had never played first-class cricket - and he was only the fourth Englishman to stand in a post-war Test who had no first-class experience. And, as almost every article on him mentioned, probably the only official who was a former fraud squad detective with Nottingham City police. He had played and officiated in club cricket in Nottingham when he was elevated to the first-class panel in 1982. A giant of a man - he was 6'6" - he stood in 11 Tests, making his international debut at Trent Bridge in 1988, and 16 ODIs. After retiring he continued to advise the ECB and MCC on the laws.
He was diagnosed with liver cancer in March 2007, by which point it was too late to operate. He was given life-prolonging drugs, after debate about his eligibility with the Nottinghamshire Primary Care Trust, but died in the autumn of 2008.
Martin Williamson October 2008
Umpire & Referee
Test 12 11 1
ODI 21 16 5
FC 33 33 null
List A 138 137 1
Debut/Last Matches - Umpire
England vs West Indies at Manchester - June 30 - July 05, 1988
Pakistan vs Sri Lanka at Faisalabad - September 15 - 19, 1995
England vs New Zealand at Manchester - July 18, 1986
England vs Pakistan at Manchester - August 29, 1996
Nigel Plews dies aged 74
Nigel Plews, the former international umpire, has died aged 74
20-Oct-2008•Cricinfo staff
Plews now eligible for cancer drug
Nigel Plews, the former Test umpire, has been told he can receive life-prolonging drugs to help treat his kidney cancer
19-Nov-2007•Cricinfo staff
Dunne tells his side of Melbourne 1995
Retired New Zealand umpire Steve Dunne has spilled the beans about his silence during the Muttiah Muralitharan throwing controversy at the Melbourne Cricket Ground in 1995
04-Aug-2003•Lynn McConnell


In today's episode, I share the mic with Brad Jefferson, CEO and co-founder of Animoto, a service that helps businesses of all sizes create personalized marketing videos.
Animoto came about when Brad and his co-founders (whose backgrounds are in video) realized there were limitations in the video software they were working with and wondered how they could provide high-quality video to any business with content the businesses already had.
They naively thought that creating a good product would be enough to be successful, but turns out it was a bit more difficult than that. They tried to figure out their distributions channels. They were seduced by Google's Orchid, which brought in zero customers. And then they created a Facebook app that would automatically create videos for you using your photos….


text:
Fellows of the Royal Society elected in 2011.

Fellows (FRS)

Robin Allshire
Andrew Balmford
Jeremy Baumberg
Hagan Bayley
Béla Bollobás
Doreen Cantrell
Stan Cowley
Alan Cowman
Alun Millward Davies
Nicholas Peter Franks
Ian Hector Frazer
Steven J. Gamblin
John William Goodby
Alan Grafen
Clare P Grey
Janet Hemingway
Ian Horrocks
Sir Colin Humphreys
Alejandro Kacelnik
Robert Charles Kennicutt
Steffen Lilholt Lauritzen
Yuk Ming Dennis Lo
Ian Manners
David Eusthatios Manolopoulos
Gerhard Theodor Materlik
James McKernan
Tom McLeish
 Sir David Roberts McMurtry
Mervyn John Miles
Arthur David Milner
John Morton
Sean Munro
Werner Nahm
Kostya Novoselov
Mark Pagel
(Ronald) John Parkes
Fiona Powrie
Mark Felton Randolph
Leonard Robert Stephens
Patrick Ping Leung Tam
Simon Tavaré
Angela Carmen Vincent
Sir Mark Walport
Robert Watson

Foreign Members (ForMemRS)

David Chandler
Joanne Chory
Mikhail Gromov
Thomas J.R. Hughes
Phillip Allen Sharp
Carla J Shatz
Thomas Steitz
Edward Manin Stolper

References

2011
2011 in science
2011 in the United Kingdom

redpajama_set_name: RedPajamaWikipedia


Belmont Boys: A Year in the Life.
The first season of a Castlevania animated series will be coming to Netflix this year, the streaming service announced today.
As part of its slate of new premiere date reveals, Netflix also revealed Castlevania Season 1, Part 1 will be arriving this year, though no specific date was revealed. Netflix's website lists the series as a four-part season, with each episode running for approximately 30 minutes.
According to Netflix's official description of the series, Castlevania will focus on the game franchise's Belmont clan, as it follows "the last surviving member of the disgraced Belmont clan, trying to save Eastern Europe from extinction at the hand of Vlad Dracula Tepe himself."
IGN spoke with producer Adi Shankar following the announcement, and he confirmed that the show will indeed be an adaptation of Castlevania III: Dracula's Curse, but could not give further plot details at this time.
"This is very much Castlevania done in the vein of Game of Thrones," Shankar said of the project, noting that Warren Ellis, who wrote the series and is on board as a producer, "added so much depth to the material." Dracula's Curse followed Trevor Belmont as he fought to stop Dracula from ravaging Europe in the 1400's. Those fighting with him included Alucard, Dracula's son.
"[The series is] going to be R-rated as f***," Shankar said of the series' level of violence, as many entries in Konami's game series were rated M for mature due to blood and violence. Shankar's discussion of the series' more adult aims reconfirms a 2015 interview in which he said the show would be "America's first animated series for adults." At the time, Shankar, who has produced Dredd, The Grey, and more, said Akira, Ghost in the Shell, and Young Justice were among the series inspiring the Castlevania series' art design.
Speaking to whether the franchise is aimed at the franchise's longtime fans or newcomers to the material, Shankar discussed his high hopes for the project, saying "this is going to be the best f*****g video game adaptation we've had to date."
IGN has reached out to Netflix and Konami for more information regarding the series.
Shankar also discussed the project's current state on his Facebook page, saying Season 1 will come this year and that a second season, which was not mentioned in Netflix's announcement, will follow in 2018. Shankar is executive producing alongside Ellis, Kevin Kolde, and Fred Seibert. while Seibert's Frederator Studios is behind the animation.
Jonathon Dornbush is an Associate Editor for IGN, and he is fell in love with the GBA and DS Castlevania games. Find him on Twitter @jmdornbush.


What do the various colors represent regarding the ships shown on the ship tracker maps? I've figured out that a diamond is a ship in port, and an "arrow" is a ship under way, but what do the colors mean?
the colors are for different TYPES of ships..... tanker, passenger, tug, cargo, etc. you can go to Live Ships Map - AIS - Vessel Traffic and Positions - AIS Marine Traffic you will see a menu to the left...if you point at "filter" it will bring up a legend. You can also track a vessels previous track on this webpage......search for ships etc. I use this service to keep up with a fleet.


Our clients for this project required a new bedroom and accessible bathroom for their elderly mother so they are able to care for her at all times. Because the existing property already had a carport on the side of the garage, and the proposed conversion complied with zoning requirements, we were able to proceed with the conversion. Converting a garage into a habitable space isn't as simple as just enclosing the garage door and cutting in a door way.
The external walls of the garage must be altered to avoid any water ingress into the building (Garage walls are constructed minus a cavity. The cavity is vital in masonry verneer construction to allow any moisture penetrating from the outside skin to the inside skin to have access to an air gap to help to dry out the moisture before it reaches the internal skin, and also drain back outside via specifically placed weepers).
The FFL of the garage must be a minimum of 50mm above the existing concrete driveway leading to the internal garage area, so we had to raise the floor level from the existing -1c to be the same height as the existing FFL of the rest of the residence. An important note when converting a non habitable room to a habitable room is the required ceiling height of 2.4m. Because the garage ceiling height was the same height as the existing residence we did not require any structural changes to ceiling framing, other than installing an LVL over the 4m of wall we removed to expand the bedroom area, which took the existing hanging beams, strutting beams, and ceiling joists.
When it comes to creating an accessible bathroom, there a some important considerations that need to be taken into account. Firstly, the minimum clear opening of a doorway on a continuous accessible path of travel shall be 850 mm when measured from the face of the opened door to the door stop. Taking into consideration the typical 19-22mm thickness of the door stop, achieving this opening with a 870mm door isn't possible, so a 920mm door is required. We installed a 920mm hinged door leading from the from hallway to the new garage conversion, and a flush jamb cavity slider unit into the new ensuite.
Also visible are the Con-Serv range grab rails, shower system and fold up toilet grab rail. Con-serv are our brand of choice due to their Hygenic Seal wall penetration sealing gaskets, preventing any unwanted water to penetrate behind the tiles.
Porcelain Matt finish tiles were used on the floor and feature wall, with an R12 Slip resistance (Minimum R10 Slip resistance rating for Wet areas required), and gloss white ceramic tiles on the remaining 3 walls.


This is another gorgeous game from Djeco.
Memo Fish comes in a tough cardboard cube.
Inside are 15 sets of quirky designed fish. This is a picture matching and memory game.
Lay the fish, face down on a table and then take turns to turn over two fish. If they match, the player 'wins' this pair and gets another go. If they don't match, they are returned face down on the table and the next person takes a go. The winner is the player with the most fish when they have all been paired off.
This is another gorgeous game from Djeco. Memo Fish comes in a tough cardboard cube. Inside are 15 sets of quirky designed fish. This is a picture matching and memory game. Lay the fish, face down on a table and then take turns to turn over two fish. If they match, the player 'wins' this pair and gets another go. If they don't match, they are returned face down on the table and the next person takes a go. The winner is the player with the most fish when they have all been paired off.
Suitable for children as young as 3 years old and up to 99 years old!


So Long, Farewell, Auf Wiedersehen, Good Night Mortgage!
Recently ALI held a very, very special celebration in our Community Outreach Center upstairs from the thrift shop. Yes, shoppers and readers, we've done it! We've burned our mortgage!
Let's go back in time a few years, and we'll explain how we fulfilled this dream of every Irvine property owner. Many of you may remember our original thrift shop on Main Street, near John Wayne Airport. We had a vision of buying a property, where we would have room to host our Operation School Bell clients, provide additional resources to the community, and house our thrift shop. We started a Capital Campaign, and the City of Irvine helped by awarding us a Community Development Block Grant. And in July 2009, we were able to purchase our business condominium unit at 2452 Alton! We made a down payment and took out a 10-year mortgage with a balloon payment due in July, 2019 (typical for commercial real estate loans).
Our new location was an immediate success, and soon our thrift shop was bringing in enough money for us to expand our philanthropic programs AND have extra cash. Our far-sighted finance director, Penny Bolton, pointed out that if we made additional payments on our mortgage, we'd be able to pay off the loan earlier than 2019, plus saving a lot on interest. A lower mortgage – or no mortgage – down the road would give us even more money to give back to the community. A win-win! Our "Free ALI" fund-raising campaign was born!
Janet Lisle (long-time member and past president of ALI) and her husband, Phil, made a generous donation of seed money, matched by donations from our members, to start off the "Free ALI" campaign. And with hard work from all our members, plus the continued support of OUR THRIFT SHOP CUSTOMERS, we chipped away at that mortgage balance. Then last summer, we received an amazing, if bittersweet, bequest from the estate of another long-time member, Hedy Mulhausen. Hedy's gift enabled us to pay off the rest of the mortgage in full in September, 2013 – just four years after we took out the loan!
We didn't ACTUALLY burn the mortgage last week, because that would have set off the fire alarm and the sprinklers – but we burned it in spirit! Many who have shared this journey with us, were there to help us celebrate this momentous occasion – Irvine Mayor Steven Choi, City Council Member Beth Krom, City Manager Sean Joyce, and Jerome Carrasco, Greg Smith, Fawn Tanriverdi, and Margie Wakeham from our Community Advisory Council.
So if you notice extra-wide smiles on the faces of the ALI members the next time you're at the shop or one of our events, it's because the mortgage is gone – and we're SMILING all the way to the bank!
We need your help! ONLY YOU can do this & make a difference!
Vote for Assistance League – Make A Difference Day All-Star Award 2014!
We were selected because of our national 2013 Children's Book Drive, in which 93 Assistance League chapters, including Assistance League of Irvine, collected 103,000 books for children in schools, foster programs, and shelters. That's an average of 1,100 books per participating chapter!
We thank all of you who donated books to us for this book drive and helped make it such a success. NOW we're asking all of you to VOTE for us, to help National Assistance League win the All-Star prize!
You can vote for us at: http://makeadifferenceday.com/vote-now. Voting is open from now until March 4, and is limited to ONE VOTE PER DAY.
As they used to say in the old days, vote early and often (i.e. daily). Help Assistance League win the All-Star prize!
All the people you see at the Assistance League of Irvine thrift shop in the blue aprons are VOLUNTEERS. Most of us had never worked in a store until we joined ALI. But now we're working at the best store in Irvine!
So the next time you visit us, say hello to your ALI volunteers, because we LOVE to have you shopping with us!


January 1, 2002 Negotiations for the Trans-Pacific Strategic Economic Partnership (TPSEP) are launched alongside the summit of APEC involving New Zealand, Chile, and Singapore.
January 1, 2004 Brunei joins the original Pacific 3 for negotiations, creating the "Pacific 4".
January 1, 2005 The TPSEP enters into force.
November 1, 2008 Australia, Peru, and Vietnam join negotiations.
January 1, 2010 South Korea is invited to join the grouping, but declines.
October 1, 2010 Malaysia joins negotiations.
January 1, 2011 A formal announcement of the TPP is made by parties at the APEC leaders' meeting in Honolulu.
October 1, 2012 Canada and Mexico enter into negotiations for the TPP.
July 23, 2013 Japan formally joins negotiations to establish the Trans-Pacific Partnership.
October 5, 2015 The Trans Pacific Partnership agreement is officially confirmed.
January 23, 2017 The United States withdraws from the TPP.


Yes it's another Memebox. If you're sick of them now just wait until November, since that's my birthday month I went crazy and have a lot of them coming.
K-Style boxes are full of Korean makeup, I received the first one which you can see here but missed the second, this is the third installment and next month I will receive the fourth in the series.
If you want to know more about Memebox then I suggest checking out my Memebox Info page, there is a lot to know and I'm so glad I don't have to write it in each post.
This is supposed to be a hydrating makeup base that helps with skin texture, containing 6 kinds of gemstone powders and various floral extracts, I dunno about that gemstone bit but this seems like the kind of illuminator that I would actually use. The effect is so majorly subtle so going overboard would be really difficult, it can be used under, mixed with or over foundation. It smells fresh and the illuminating pigment is so finely milled that it just looks like glowy skin rather than some ridiculously shimmery product. Love it, going straight in my current use makeup drawer.
Update: Used it last night, seriously love it.
Another BB cream, I'm about to eat my words but it turns out I like BB creams. I've been using a few lately and not all of them impressed me but some are fantastic. I don't particularly believe or care for the 'skin care' side of BB creams and I always follow my usual skincare routine first but I've been enjoying them. Happy to have another but I think the colour of this one will only be suitable for winter.
Brow tattoo?? 7 days?? This is supposed to be applied at night 1-2 hours before bed, after 3-4 days when the colour starts to fade you just touch them up and continue with brows that look after themselves. This goes against everything that I believe when it comes to skin care and makeup but I'm going to try it out and follow up with a review.
Update: Used last night (but washed off before bed), the colour and application was great, it's almost like using water colour paint to draw on individual hairs, the difference is noticeable but the brows still look so natural and not drawn on or filled in. I will still review this as it's meant to be used but I can see this just being my standard daily brow fixer.
I received brown and peach, the liner is a beautiful bronze brown and is smooth and creamy, the shadow is a really pretty peach. The packaging is kind of cool, liner at one end with a shadow tip at the other, something I wouldn't buy for myself because I would wonder about quality but now that I have it and can play with it I really enjoy it!
I'm really happy with this box, the only fail for me was the green shadow stick but only because I don't wear green.
See anything in this box that peaks your interest?