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SA Newsletter Oct 2005

Sustainable Agriculture Newsletter

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Sustainable Agriculture Newsletters Archive
College of Agricultural, Food and Environmental Sciences
Volume 13, Issue 5 – October 2005

Do you have a story you would like featured in the Sustainable Agriculture newsletter? Send your submission to and we’ll consider adding it to an upcoming newsletter.

We can all envision the idyllic picture of cows peacefully grazing on the hillside. But beyond the aesthetics of this image, livestock can be an important part of a sustainable Minnesota farm. Diversifying into livestock is one way to minimize risk from weather, pests, and market forces, and to add value to crops produced on the farm. Livestock also provide important biological benefits. Livestock are a source of nutrients for subsequent crop years and provide opportunities to grow a wider array of crops.

How livestock is incorporated into Minnesota agriculture is something a lot of groups have given some serious thought to. Last winter, the Citizen Task Force on Livestock Farmers and Rural Communities* gathered to discuss this issue, and to put their thoughts and recommendations on paper. They felt that agricultural services and policies must support an agriculture that benefits existing livestock farmers and encourages beginning farmers. They must promote a family farm-based system of agriculture that is committed to stewardship of the land. And they must respond to consumer demand for high quality and safe food and help to increase profits for producers. The Citizen Task Force proposed several recommendations, including expanding the University of Minnesota's Alternative Swine Program to include dairy and other livestock systems.

In response and with funding appropriated by the Minnesota Legislature, the Minnesota Institute for Sustainable Agriculture (MISA) will expand the Alternative Swine Production Systems Program to include sustainable dairy and livestock production. Wayne Martin, current Alternative Swine Systems Coordinator, will work with the sustainable agriculture community and University of Minnesota researchers to initiate outreach programs that respond to producer information needs in dairy and beef cattle, dairy and meat goats, sheep, poultry, and swine. Roundtable discussion groups consisting of farmers and stakeholders will identify needs and develop newsletters, listservs, and workshops that focus on each livestock enterprise based on the information gleaned from those discussions. A great deal of work is underway in the state, and MISA's intention is to make that work and information readily available to a broad audience.

*Four Minnesota farm groups (Minnesota Farmers Union, National Farmers Organization of Minnesota, Land Stewardship Project and Sustainable Farming Association of Minnesota) came together to create the Citizen Task Force on Livestock Farmers and Rural Communities in January, 2004. The livestock Report is available at

For more information, or to discuss program ideas, contact Wayne Martin, 612-625-6224,

Small Ruminants
Meat goat production is a hot topic, fueled in part by increased demand from the growing immigrant population of Latinos, Somalis, and Ethiopians. Several efforts are underway throughout the state to increase meat goat production. Farmers have voiced demand for educational programs that focus on meat goats. Consequently, a group of interested stakeholders including farmers, extension educators, sustainable agriculture advocates, and veterinarians, have been meeting regularly to plan workshops to cover all aspects of the meat goat business. The workshops will be held around the state during January to March 2006. Information about the educational programs will be available through websites, listservs, news releases, newsletters, etc.

Wayne Martin was invited by Jeremy Lanctot, Minnesota Dairy Initiative (MDI) Coordinator for the Sustainable Farming Association, to meet with MDI member and discuss ways to work together in sustainable dairy production. The Minnesota Dairy Initiative is a state funded project designed to help dairy farmers in Minnesota successfully continue producing dairy throughout the 21st century.

This past summer, the Sustainable Farming Association of Minnesota hosted GrazeFest Minnesota 2005, an educational grazing event which featured locally produced food and music. Held on Mary Jo and LuVerne Forbord's Prairie Horizons Farm north of Benson, MN, speakers addressed grazing season extension, and conducted in-depth pasture walks, covering pasture health and grazing methods. Close to 120 people attended the event and attendees came from all over Minnesota and adjoining states. Future GrazeFests will continue to focus upon animals on grass, including dairy and hogs, with increased emphasis on beef production. The GrazeFest sponsors included the USDA - Natural Resources Conservation Service, Minnesota Department of Agricultural Energy and Sustainable Agriculture Program, Minnesota Farmers Union, Ag Resource Consulting, Organic Land Management, and the University of Minnesota.

Meg Moynihan of the Minnesota Department of Agriculture and Beth Nelson of MISA are working with Dennis Johnson, University of Minnesota, Morris, and a multi-state project team to develop a publication on dairy alternatives for farmers in the Upper Midwest. The publication, "Dairy Your Way: A Guide to Management Alternatives for the Upper Midwest", will offer basic information and side-by-side comparisons of dairy options, and real life stories about farmers using those systems.

Minnesota chefs are looking for locally grown meats, eggs and chicken. Wayne Martin is working with Jacquie Jacob, Department of Animal Science and Extension specialist at the University of Minnesota specializing in small flock production to help farmers expand pasture raised broiler and egg production in the state. Workshops to address poultry marketing are planned for winter. Ideally, small networks of 3-4 producers could be established, to respond more quickly to increased demand, and easier connection to local buyers.

Lack of local processing facilities is often a major deterrent to poultry marketing. Surveys of currently existing processing plants will be conducted to determine their ability to expand. Workshops on poultry production will also be held in areas where processing is or will be available, to help connect farmers to processors.

Jacquie has also been working with MDA and MISA to assemble information about poultry alternatives. A publication, "Poultry Your Way: A Guide to Management Alternatives for the Upper Midwest" will expose producers to basic information about poultry production options and include profiles about farmers in the Upper Midwest who are using those systems. Look for this publication, as well as "Dairy Your Way", in early 2006 and be sure to check out the MDA and MISA website for ordering information as it becomes available.

Wayne plans to expand the alternative swine outreach programming as research in the facilities at the West Central Research and Outreach Center continues to develop new information about alternative production systems.

For more information, or to discuss program ideas, contact Wayne Martin, 612-625-6224,

Dr. Yushi Li will join the University of Minnesota on November 1 as Assistant Professor in Animal Science with responsibilities for research and education on alternative swine production systems. Li is currently at the Prairie Swine Centre, a research and education facility affiliated with the University of Saskatchewan. She has a long history of research and education in animal production systems, environmental management and animal behavior. At the University of Minnesota, she will be part of the West Central Research and Outreach Center's nationally-recognized swine research and outreach efforts, focusing on the production of high quality pork within sustainable systems. For more information about the alternative swine program at WCROC, contact Lee Johnston,, (320) 589-1711.

MDA accepting applications for sustainable agriculture grants The Minnesota Department of Agriculture (MDA) is now accepting applications for grants from Minnesota farmers, researchers, educators and non-profit organizations that have innovative ideas for sustainable farming systems. The MDA's Agricultural Resources Management and Development Division has up to $70,000 to award this year. Individual grants up to $25,000 are available for three-year projects that benefit the environment, increase farm net profits through cost reduction or enhanced marketing, and improve the farm family quality of life. The results and details of past grant projects are highlighted in the Greenbook publication, which is free and available to the public. Applications and more information are available on the MDA website,, or by contacting the Agricultural Resources Management and Development Division at 651-296-7673. Completed applications must be received by December 16, 2005.
NCR-SARE 2005 farmer rancher grant proposals

NCR-SARE announces 2005 call for farmer rancher grant proposals. Farmer/Ranchers are invited to submit proposals that test, evaluate, and adapt sustainable agriculture practices for their operations; conduct learning circles, educational events, field days or demonstrations to further disseminate information to farmer/ranchers; develop new technologies; or create or modify equipment. Applicants must identify specific problems and potential solutions to those problems. More information can be downloaded at The deadline for receipt of proposals is December 1, 2005. For more information, please contact Joan Benjamin,, (800) 529-1342 or in Minnesota, contact Beth Nelson,, (612) 625-8217.

Regional Sustainable Development Partnerships The Regional Sustainable Development Partnerships (RSDP) announce the hiring of a new Statewide Director as well as a new Executive Director for the Central Region. Kathy Draeger began work as the Statewide Director in July. This position provides overall leadership and coordination for the statewide RSDP; integrating goals of building and strengthening effective relationships between citizens, communities and the University of Minnesota. Kathy has a Ph.D. in water resources science, an M.S. in soil science and a B.S. in rhetoric/life sciences, all from the University of Minnesota.

Linda Ulland is the new Executive Director for the Central Region Partnership. The Central Minnesota Sustainable Development Partnership serves the counties of Becker, Otter Tail, Hubbard, Cass, Wadena, Morrison, Crow Wing, and Todd. The partnership works to address locally identified issues in a manner consistent with sustainable development principles. For more information, contact Linda,, (218) 894-5192

The RSDP is a joint effort of the College of Agricultural, Food and Environmental Sciences, the College of Natural Resources and the University of Minnesota Extension Service. For more information, visit, or contact Kathy Draeger,, 612-625-3148.

Grazing Field Day. October 22, 2005. The Cannon River-Hiawatha Chapter of the Sustainable Farming Association announces a field day at the Ralph Lentz farm near Lake City, MN. A potluck lunch starts at 12 noon, followed by Ralph's presentation at 1 p.m., with the pasture walk starting about 1:30 p.m. There is no charge. For further details or directions, call Ralph at 651-345-2557.

Sustainable Development Conference. October 24-25, 2005. University of Minnesota, Crookston. The Sustainable Development Conference: Global Priorities and Local Applications Workshop will explore the future of small towns and rural areas as participants consider which local and global trends are likely to continue. For more information contact Jennifer Severinson at 218-281-8681 or visit

Success Strategies for Small & Limited Resource Farmers and Ranchers. Midwest Regional Outreach Conference, November 1-2, 2005, Des Moines, IA.  Sponsored by USDA's Risk Management Agency, Farm Service Agency, and Natural Resources Conservation Service. For more information visit or contact Laurie Fredricks,, 651-290-3304, ext 232.

The 6th annual Fall Harvest Gathering for Women in Sustainable Agriculture. November 11-13, 2005. Spring Valley, MN. For more information contact Cassi Johnson or 319-354-3760.

What we're about

This newsletter is supported by the Minnesota Institute for Sustainable Agriculture (MISA). It's also supported by the University of Minnesota Extension Service, the North Central Region Sustainable Agriculture Research and Education (NCRSARE) Professional Development Program (PDP), and the Minnesota Department of Agriculture (MDA). MISA is a partnership between the Sustainer's Coalition and the University of Minnesota College of Agricultural, Food, and Environmental Sciences (COAFES).

Send story ideas to the editor: Jack Sperbeck, 405 Coffey Hall, 1420 Eckles Ave., University of Minnesota, St. Paul, MN 55108, (612) 625-1794, fax (612) 625-2207, e-mail: Other editorial board members: Helene Murray, (612) 625-0220,; and Bill Wilcke, (612) 625-8205, Please send address changes directly to: Bill Wilcke, Biosystems & Agricultural Engineering, 1390 Eckles Ave., St. Paul, MN 55108.

Also check MISA's home page at

Our mission statement: To help bring people together to influence the future of agriculture and rural communities to achieve socially, environmentally, and economically sustainable farms and communities.

To stimulate thinking and discussion about sustainability, we try to present items that reflect different points of view. This being the case, we aren't promoting and don't necessarily agree with everything we publish.

The University of Minnesota is committed to the policy that all persons shall have equal access to its programs, facilities, and employment without regard to race, color, creed, religion, national origin, sex, age, marital status, disability, public assistance status, veteran status, or sexual orientation.


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Family Book 2009-2011

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S: The Hales 2009-2011

7: Ugly sweater party for our Christmas Bunco. I am so lucky to have such good friends. Amy Morgan, Amy Funk, Tiffany VanOrden, Melanie Hanson, my mom, me, Amy Burnett, Kassie Hedman, Allie Stringham, Melanie Heightman, Heidi Cameron.

12: Thanksgiving Point Dinosaur Museum -February 2010

22: An outing to the Thanksgiving Point Tulip Festival with Mommy, Grandma and the Girls.

23: Brayden's 9th Birthday Party

24: Flying Kites with Dad on a windy spring day.

25: The zoo with Jeff, Ginny, and Madison Thomas.

26: A picnic in the wild flowers.

27: A visit to the cabin with Grandma and Grandpa Bassett. So so much dirt, many rocks, so much fun.

28: For our 10th anniversary Ryan and I took a trip to Las Vegas. It was amazing. Ryan planned everything out. We ate at the most AMAZING restaurants (Mesa, Prime, Fleur de Lis to name a few). We even found time to catch Penn and Teller, go to the top of the Eiffel Tower, see Cirque du Soleil, and hang out with Steve and Judy. | Las Vegas

43: Frightmares at Lagoon. We had so much fun riding the rides with all the cousins. Lori, Shalaco, Charity, Celeste, Spencer, Rashell, Tony, Evan, Aleah, Emily, Chloe, Jen, and Annette.

59: Easter in St. George

64: Emily and Chloe's First Dance Recital.

65: Emily demonstrated that she inherited her mom's two left feet and Chloe was more interested in the treats than dancing.

68: Cinderella

69: For Emily's birthday we went with a couple of her friends to Cinderella. Hinkley, Mikell, and Emily had such a good time meeting the cast and watching the show!

70: Family Photos -August 2011

72: Chloe

73: Emily

79: First Day of School Emily and Chloe both started pre-school this year. Chloe goes to Ms. Melinda's and Emily goes to Ms. Amy's. Since they are in school at the same time and across the street from each other, daddy gets a little break on Tuesday's and Thursday's. The girls are learning so much in school.

80: Little Mermaid Grandma Hales got Kyla and Emily tickets to Little Mermaid at Tuchaun. The girls were so excited to see the show, but unfortunately a downpour prevented the show fro. At least we went to ice cream afterwards, and we got more tickets to see Aladdin next year.

81: This is the Place Emily's class went on a field trip to This Is The Place. It is a monument to the pioneers. Chloe even made the trip. They had a great time riding the train, petting the animals, and hearing pioneer stories.

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Haven Rules and Rationals

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BC: Haven Book of Rules and Rationals. Created By: The Founders of Haven

FC: Haven's Rules and Rationals | By: The Founders Of Haven

1: Rule 1: | One of the rules we have is that there are no weapons aloud in our utopia because we don't want anybody to die by getting shot or getting murdered by anyone because Haven is a peaceful place.

2: Rule 2 | Another rule we have in Haven is that no one can own or take harmful stimulants because it will wreck the next generation's lives.

3: A very important rule in Haven is that there are no religions allowed. This rule is in place to to keep people from fighting over differences. | Rule 3

4: Rule 4 | We have this rule because this may also cause death when a robber or thief is trying to get what they want but a person steps in their way and then that person gets hurt and that is not what we want to happen.

5: Another is that there is no killing in Haven because it leads to death | Rule 5

6: You should always be polite because we want our community to be a peaceful and happy place to live in | Rule 6

7: Everyone needs to be fit and exercise because then our people won't become fat and unhealthy and also won't die quicker. | Rule 7

8: You need to not shirk your workload because we need to keep our community moving forward. | Rule 8

9: You also need to complete school because you will need to get a successful job that will last. | Rule 9

10: You must find a job by 2 years after college because you need money to buy things with and most likely you will need a place to live afterwards. | Rule 10

11: There is no consumption of alcohol unless for medical use because then people may get hurt which may lead to death. | Rule 11

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Ladies and gents, it is our pleasure to bring you the Reverend Milo's 'Rumble in Ryde' Mix-Tape AKA Besti-mix numero 19...


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Department head stands by animal shelter director who resigned

GRAND RAPIDS, MI -- Kent County health department officials say they stand by the achievements of their former animal shelter director, who resigned earlier this week after public outcry over high rates of euthanasia at the facility.

"Her legacy is strong, and her work and contributions are greatly appreciated by all of us," said Adam London, who leads the Kent County Health Department, which oversees the shelter.

Former shelter director Carly Luttmann resigned Monday, Sept. 10, six days after MLive/The Grand Rapids Press published a story about the shelter's euthanasia rate.

The euthanasia rate has been among the highest in the state for the last five years.

In 2017, shelter staff euthanized two out of every five animals it took in, or 39 percent, state records show. The state average that year for all open admission shelters was 14 percent, according to non-profit Michigan Pet Fund Alliance.

Luttmann led the shelter since 2010. Under her tenure, euthanasia rates have dropped "considerably," London said.

When Luttmann started, the shelter euthanized about 70 percent of all cats and dogs they took in, he said.

"I think that a lot of quality improvement has happened under Carly's leadership in the past handful of years," he said. "The euthanasia rate has dropped considerably since she's been there. The number of partnerships has increased. The shelter has won awards and been recognized for quality and great service."

In 2014, the rate was 55 percent. In 2015, it was 64 percent. In 2016, it was 47 percent. In 2017, it was 39 percent.

London avoided taking a stance on the shelter's 2017 kill rate. Only two much-smaller shelters operated by Berrien and Cass counties put down dogs and cats at a higher rate that year, state records show.

"I think we can always do better," London said, "but I'm not sure what the objective, what the superlative really is there, because there's always going to be animals that are very seriously ill, there's always going to be animals that are aggressive and are a danger."

Many animal welfare advocates say the objective is saving 90 percent of all animals taken in. That rate is generally accepted as the benchmark of "no-kill" shelters, as it accounts for animals that are sick and beyond intervention.

London said it's hard to compare rates with other shelters "because the dynamics are always so different."

"I'm not going to get too concerned about how we compare to others," he said. "I want to be concerned about how we compare to our own internal goals and how we can do better as a community ... The internal goal is that we do better. That we do better all the time."

London declined to say why Luttmann resigned, adding that it was voluntary and she was "not pressured out in anyway by us."

He said the work is "incredibly stressful" and it's a job "you can't possibly please everyone with."

"There's always stresses from the community, pressures from the community to do things differently," London said. "Just speaking in general, those things wear on a person. I'm not going to speculate as to what motivated her to make this decision."

The health department did not release Luttmann's resignation letter.

MLive/The Grand Rapids Press submitted a Freedom of Information Act request for the letter on Tuesday. It has yet to be fulfilled.

Luttmann previously contended the majority of dogs Kent County euthanized in 2017 were "beyond behavioral intervention" and posed a threat to the public, and the majority of cats were killed because they're feral and couldn't be placed into homes.

"We're the only place that can't say no," London said of accepting animals. "Whether it's unintentional or intentional, I think a lot of the hardest cases, the one's that are the most aggressive, the hardest to adopt out get funneled toward the animal shelter. I think that's OK. We've got the ability to receive and to handle many of those worst or more challenging cases that some of these non-profit shelters just don't have."

The shelter's policies and procedures manual states any dog who demonstrates "aggressive or unsuitable behaviors at the animal shelter or in their previous home environment" will be euthanized if not reclaimed by the end of their legal holding time.

Another section of the manual states a supervisor can overrule the practice in specific cases. The manual does not define "aggressive or unsuitable behaviors."

The detriment of this practice, animal advocates argue, is that Kent County is likely euthanizing pets and strays with treatable behavioral problems -- some of which are likely caused by the shelter stay itself.

Some shelter behavioral problems in dogs stem from fear, owner separation, confinement and new environment, according to Deborah Schutt, board chairwoman of Michigan Pet Fund Alliance.

Some techniques that resolve behavioral problems include playgroups, daily interaction, chew toys, foster programs and walks, Schutt said.

Schutt said the percentage of dogs euthanized by Kent County is high even for dogs rescued from fighting rings.

"I've heard that many think some of those animals, some of those aggressive animals, you know, it's not their fault -- bad human partners, right?" London said. "So they've been in stressful situations that's caused them to be conditioned to act a certain way ... Terribly abusive situations that's no fault of the dog, and we're not ever trying to punish a dog for behavior that it was really trained and conditioned to have.

"Is it the possibility that some of those animals can be rehabilitated through therapy or counseling? Perhaps, and we're willing to look into those options."

He said hiring a "dog therapist" or implementing "specialized reconditioning" is difficult to ask for on a limited county budget. An ideal situation, he said, is partnering with nonprofits and organizations that have those resources.

The shelter's budget was $2.3 million in 2018. The agency is responsible for animal adoption, cruelty and bite investigations, dog licensing and more.

Until Luttmann is replaced, the shelter will be run by the shelter veterinarian, animal control supervisor and environmental health division director.


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Places to Visit in Costa Rica on Vacation

Places to Visit in Costa Rica on Vacation

Capital: San José

Official Languages: Spanish

Recognised Regional Languages: Mekatelyu, Bribri

Currency: Costa Rican colón (CRC)

Population (approx.): 4,301,712

Calling Code: +506

Did you know: Coffee was first planted in Costa Rica in the early 19th century, and was first shipped to Europe in 1843.

Places to visit in Costa Rica

Places to visit while on vacation in Costa RicaMonteverde Cloud Forest Reserve

Established in 1972, this forest in the clouds is perfect for hikers, or those travelers who want to experience an abundance of plant species and animals. The Cloud Forest ecosystem is finally balanced, yet it still offers a huge amount of biodiversity. Held within the reserve are over 100 species of mammals, as well as 400 species of birds and over a 1,000 species of amphibians and reptiles.

Places to visit while on vacation in Costa RicaArenal Hot Springs

Around the Arenal Volcano and National Park you can find a selection of hot springs. There are a number of places that offer these hot spring facilities, and each place is very unique. While some have both hot and cold pools, other places may contain waterslides and bars. However, they all share one thing in common. Wherever you decide to go, they’ll be relaxing and leave you rejuvenated.

Places to visit while on vacation in Costa RicaNosara Beaches

This unspoilt part of the coast is renowned for its surfing and yoga. The beach makes a thin golden line between the lush forest and the blue ocean, where monkeys and turtles meet. Nosara Beach has been well preserved by local people, as well as the national park system. The area is protected, hence why there is only some small scale development.

Places to visit while on vacation in Costa RicaSan José

Costa Rica’s capital is a great central point to start your exploration of the country’s amazing rainforests and beaches. The capital is made up of a number of different districts, consider heading down town for a more cultured experience or try heading West to Escazú, where you’ll be greeted with trendy shops, nightclubs and restaurants. With its vibrant streets, museums and galleries it ensures San José is alone worth a day of your time.

Caño Scuba Diving

The island of Caño is located on the southern Pacific coast of Costa Rica, and is probably the best place to go scuba diving. Protected by the Government, the island is a biological reserve and is teeming with life. Sharks, rays, turtles and many different schools of fish can be observed in these waters. If you’re very lucky you can also spot the elusive Whale Shark and Bull Shark.

Places to visit while on vacation in Costa RicaTortuguero National Park

The Land of Turtles, is how Tortuguero can be translated, can be found on the Northern Caribbean coast of Costa Rica. Separated from the mainland by the Tortuguero River, the village is located on a thin piece of land that points out to the Caribbean Sea. There are a number of navigable canals where you can explore the surrounding rainforest, which is home to a number of different species of mammals, birds and insects. The beaches are key nesting areas for four species of sea turtle.

So if you’re traveling to Costa Rica, maybe to catch some Winter Sun, don’t forget to take your Mobal World Phone. If you’re heading in to the more remote areas of Costa Rica you’ll need to ensure you take one of our Satellite Phones.

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The prophecy has been fulfilled. The world shall be ruled by the dragons. On an island far away, their lords prepare for the conquest of the lands. There is only one hope for mankind. The emperor sends out four heroes -- warriors and magicians -- to solve the puzzle of tears and prevent the invasion of the Drakkhen.

Drakkhen is a role-playing game with a visual presentation that combines 3D landscapes and 2D interiors. The player's party will travel overland on a flat terrain made up of vectors, on which 2D objects are zoomed (The same type of engine was later used in Eternam). The player will encounter monsters and fight them in real-time combat, and discover the palaces of the dragon lords. Indoors, the player has to find a way through the maze of chambers, solving puzzles and defeating the minions of the Drakkhen. Party members are depicted in four status windows on the left side of the screen, thus allowing to see their current status and equipment at once.

Drakkhen Sharp X68000 Gathered the party together by pressing Enter, now on to Hordtkhen's Castle
Drakkhen Sharp X68000 A giant dog head popped out of the ground and is about to wipe out my party (Japanese mode)
Drakkhen Sharp X68000 Well here we are, anyway if you're wondering what happened with one character, she got eaten by a shark... true story
Drakkhen Sharp X68000 Met a hunchback in the castle (Japanese mode)

Promo Images

Drakkhen Screenshot
Drakkhen Screenshot
Drakkhen Screenshot
Drakkhen Screenshot

Alternate Titles

  • "ドラッケン" -- Japanese spelling

Part of the Following Group

User Reviews

There are no reviews for the Sharp X68000 release of this game. You can use the links below to write your own review or read reviews for the other platforms of this game.

Critic Reviews

There are no critic reviews for this game.

There are currently no topics for this game.

The 3D engine used for running around the world of Drakkhen was later redeveloped for use in Infogrames' Eternam.

The game box contained three 3 ½ disks, a booklet titled "How to play", a second booklet which told the background story and contained the magic formulas, a registration card and a tiny code sheet. The code paper consisted of row after row of five letter combinations, which were printed in black on a brownish, dotted background. It was almost illegible without a bright lamp and, preferably, a looking glass. This was a typical form of copy-protection at the time; the dark color combinations resisted photocopying.

Some editions also came with a small pewter fantasy figure, like the ones used for table top role-playing games.

References to the game

Eternam included a parody of Drakkhen at one point in the game.

  • Amiga Joker
    • Issue 01/1991 – #4 Best Role-Playing Game in 1990
  • ST Format
    • Issue 01/1990 - Included in the list 50 Games of the Year
    • Issue 01/1991 – #9 Best Adventure Game in 1990 (Atari ST)
Information also contributed by hydra9 and Michael Palomino

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Terok Nor (26691) added Drakkhen (Sharp X68000) on Feb 01, 2012
Other platforms contributed by Cavalary (10315), リカルド・フィリペ (145383), -Chris (7565), ark_thenka (3), Dietmar Uschkoreit (6027) and Terok Nor (26691)


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Super Elf Bowling (Windows)

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100 point score based on reviews from various critics.
User Score
5 point score based on user ratings.
Not an American user?

Super Elf Bowling, the fourth game in the Elf Bowling series, is a remake and updating of Elf Bowling. In addition to all the features of Elf Bowling, there are new items. Next to bowling to get your best score, you can play against the computer or another person. You can now select what lanes to play on, with your choices being Ice Alley, Toy Factory, Candy Factory, Cruise Ship, Rooftop or Hockey Rink. You can play with the same controls as in Elf Bowling or select Super Elf Bowling, where you center the ball with the mouse then use the movement of the mouse to throw or Slingshot, where there is a rubber band across the lane and you use that to send the ball down the lane. You can bowl with Santa or select Mrs. Kringle, Dingle Kringle, Elly Fay Elf, Elliot Elf or a custom bowler, each with varying levels of skill. It is, otherwise, a normal bowling game, where you try to knock down as many pins, I mean, elves, in each frame, with two throws per frame. The maximum score is still three-hundred.

Super Elf Bowling Windows I left 2 elves.
Super Elf Bowling Windows Pick your lane.
Super Elf Bowling Windows I picked up the spare.
Super Elf Bowling Windows I can enter my high score.

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There are currently no topics for this game.

While the full game has many options, the shareware version has you locked down to only bowling with Santa at the Candy Factory lane in Super Elf Bowling style and only for getting the best score, not against the computer or another player. To unlock all the other items, you must pay for the full version.
LepricahnsGold (128247) added Super Elf Bowling (Windows) on Oct 26, 2007


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Not an American user?

Released only a few months after Euro 2004, FIFA 2005 brings several features to the franchise, such as the return of a player creation tool, where a player can be created from scratch from customizing the face (while it's not possible to define the texture like in previous EA Sports games such as NHL 2000, the player can customize the facial features such as shape of the eyes or the cheeks, in a way similar to RPGs such as Neverwinter Nights), accessories and playing abilities. It's also possible to create all kinds of competitions. The Career mode was also extended, allowing now up to 15 seasons, and giving the player the chance to turn the tide of a simulated match anytime. This mode is a "light" managerial mode, where the player not only plays, but also signs new players and increase the clubs abilities in trainers, medical staff and other club staff).

The main gameplay change was the addition of "First Touch" controls. By performing one of the "trick" moves before the player gets possession of the ball it's possible to do a number of moves, such as touching the ball forward to gain a few yards ahead of the defenders or touch the ball to one side, and roll to the other of a rushing defender, and then pickup up the ball a bit ahead leaving the opponent stranded, and the inclusion of a fake shot move, which allows forwards to sit a goalkeeper before scoring in style or make defenders jump from their positions, opening room for a through pass or a run into goal. Other aspects of the game, such as the "Off The Ball" controls (allows the control of players that aren't in possession, moving them into an open position) remain unchanged.

Another new feature is the FIFA Shop, where the player can trade points earned in many ways, from simple tasks like having a peek at the Jukebox to obtaining 10 victories in a row in Career mode, for several items, such as third jerseys, additional music, more balls and night stadiums.

As it became the norm with the series, the game features 18 leagues and 38 national teams (some of these, due to licensing problems feature only generic kits and logos), summing up around 11'000 real footballers.

There are no Xbox user screenshots for this game.

There are 39 other screenshots from other versions of this game or official promotional screenshots.

Promo Images

FIFA Soccer 2005 Screenshot
FIFA Soccer 2005 Screenshot
FIFA Soccer 2005 Screenshot
FIFA Soccer 2005 Screenshot

Alternate Titles

  • "FIFA足球2005" -- Chinese title (simplified)
  • "FIFA Zuqiu 2005" -- Chinese title
  • "FIFA Football 2005" -- European title

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Critic Reviews Oct 21, 2004 9.3 out of 10 93
GamePro (US) Oct 14, 2004 4.5 out of 5 90 Dec 07, 2004 88.8 out of 100 89
IGN Oct 08, 2004 8.6 out of 10 86
XBox Front Jan 07, 2005 83 out of 100 83
Game Informer Magazine Nov, 2004 8.25 out of 10 82
GameSpy Oct 20, 2004 4 Stars4 Stars4 Stars4 Stars4 Stars 80
X-Power Nov 03, 2004 8 out of 10 80 Oct 07, 2004 16 out of 20 80
Game Informer Magazine Nov, 2004 7.75 out of 10 78

There are currently no topics for this game.

Online servers

In early August 2006, EA closed their servers for multiplayer games, for the PS2, PC, Xbox and Xbox (demo) versions.

Related Web Sites

Neumann Lim (20) added FIFA Soccer 2005 (Xbox) on Nov 01, 2004
Other platforms contributed by Kabushi (209311), Freeman (45362) and Neumann Lim (20)


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kjfytfkytfyt says

7/10 - Agree Disagree

Story was great, Singleplayer all around was pretty good. Multiplayer is good, when you actually get to be on the map you want, with no hackers, and no annoying faggots. Thank god Modern Warfare 3 will have dedicated servers...

Community Rating

283 votes submitted.

You Say

You have voted.

Highest Rated (14 agree) 7/10

Extremely unbalanced multiplayer, no modding API, no developer console, no dedicated servers.
Content and sound are great. Graphics are alright too.
An acceptable game.

Dec 23 2010 by RickTheStickman


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mik3k says

10/10 - Agree Disagree

Great game like SpaceChem. Need more games like this!!

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21 votes submitted.

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Zombie Apocalypse is a zombie mod for RimWorld, the sci-fi colony sim. Zombies are mindless killers who attack living people indiscriminately. They have an infectious bite which is fatal to anyone unlucky enough to let themselves get bitten, and any infected human will eventually be reanimated as a zombie on death. In rare cases the zombie virus can go airborne. Once that happens all corpses, bitten or not, will reanimate shortly after death. Zombies are an interesting and unique challenge to face in the RimWorld universe, and they help to significantly increase the difficulty of the game.

Post news Report RSS RimWorld Zombie Apocalypse v. 0.7.1 Release

This article outlines the key changes in Zombie Apocalypse v. 0.7.1.

Posted by on

I know I told people this update would be out by last Sunday, but I wound up taking a couple extra days to tweak some things to make sure I wouldn't need to release another update before RimWorld Alpha 7 comes out.

Rinworld Zombie Apocalypse [Alpha 6] (v. 0.7.1)

Zombie Apocalypse v. 0.7.1 [Alpha 6]

This update is mostly just changes to balance and early-game difficulty, and it fixes a compatibility issue with the MAI mod and potentially other mods that use custom Pawn classes.

- Fixed a mod compatibility issue.

When working on the mod I incorrectly assumed that the player would always want all colonists to be capable of being infected. This was causing compatibility issues with Haplo's Mobile Artificial Intelligence (MAI) mod. Haplo was kind enough to track down the issue for me before I was even aware that it existed and save me a lot of time and effort.

It's a fun mod. MAI is a metallic android who helps out around your colony, and she is immune to the zombie virus. To check out the MAI mod you can find the thread on the Ludeon forums here.

- Made zombie raids start small early-game and ramp up over time.

This should help a bit for those who were feeling a bit overwhelmed by the size of early-game zombie raids, especially those playing with the Superior Crafting or Tech Tree Minami mods.

- Increased the base chance of a traveler/raider being infected when it is spawned.
- The chance of a traveler or raider being infected when it enters the map now takes the difficulty setting into account.

After testing and watching streamers play with the mod it became obvious that most of the time infected travelers manage to leave the map before the infection kills them, so I felt it was safe to turn the frequency of infected travelers up a bit. I don't want the player to run into too many random zombie encounters because that could be pretty unfair, but I would like a few just to keep them on their toes.

The base chance of a traveler being infected is now 1/300. It will happen a bit more frequently at higher difficulties, and less frequently at lower difficulty settings.

- Reduced the base zombie raid frequency.
- The frequency of zombie raids is now affected by the difficulty setting.

Zombie raids were happening a bit too frequently in the previous release of the mod, so I turned them down a bit.

Because frequent zombie raids made the "Easy" difficulty settings way more difficult than they were meant to be, the raid frequency is now affected by your chosen difficulty setting. Now for the lower difficulty settings zombie raids should be far less frequent, and for the highest difficulty settings they should be frequent enough to pose a challenge.

Thanks for your support!

I really appreciate all of the feedback and support I've been getting! If you have any questions/comments/ideas you can visit the Zombie Apocalypse thread on the Ludeon forums here.

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Inspiration & Ideas

Beautiful unique gold wall accents you will love

Jean Leaner Floor Mirror

Gold as an accent in home decor is a colour which immediately creates a opulent, sophisticated feeling in any space. This week, we are focussing on gold and chrome and how you can decorate with them and first things first - gold wall decor.

Why wall decor? Well, it is a great way to inject style into any room without making a huge investment in furniture pieces.

And why gold? One of the beauty's of gold is that it is immensely flexible when it comes to decorating. Add to an already dramatic room to create the feeling of a trendy boutique hotel or add to a simple decor scheme to add a subtle touch of luxury. Additionally, and best of all, the chances are, gold will work with the furniture and decor you already own.

Keep it simple

There are plenty of options when it comes to wall decor, but if you are looking to keep it simple, clocks and mirrors are the way to go.

Large Wall Clock

A clock will work in any room but is particularly fantastic in your kitchen, hallway or home office to keep your family running on time. Our selection of large wall clocks look great on any wall. This large metal and gold wall clock would look equally stylish on a white wall with simple Scandinavian styling as it would on a dark navy or purple wall to really make a statement.

Celestial Gold Wall Mirror

Additionally, mirrors are fantastic to open up a room and to add a touch of glamour. This stylish wall mirror would work wonders huge above your fireplace or in the dining room paired with a reclaimed wood table and white dining chairs to bounce light around the room and creating a real centrepiece for your decor. If you prefer a floor mirror, one like this one would work beautifully in your hallway or bedroom with the unique shape adding a gorgeous modern feel to your room.

Add something extra

If you really want to make the most of gold in your decorating scheme, adding two or three gold accents will create a sleek, coordinated scheme you'll want to show off to your friends and family.

Louis de Poortere Columbus Gold

A gold rug like this Louis de Poortere one is a great choice. In your living room or under your dining room table, a high quality gold rug like this one will add a real injection of colour to your room and will finish off a contemporary room to perfection.

Alternatively, go for a gorgeous velvet sofa customisable in gold to really make an impact. Our beautiful sofas, complete with gorgeous button detailing for a interesting take on the classic Chesterfield, work either upholstered in golden fabric. If you're not certain on gold, you could even have your sofa upholstered in a jewel toned velvet which would be beautifully complimented by those golden accents.

What do you think? Will you be adding a gold accent or two to your home?

Leave a comment


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Wedding Bands

The perfect accompaniment for happily every after.

Whether you're looking for the perfect wedding band to complement an engagement ring you already own, or combining one with another moissanite and diamond ring from us, you'll be sure to find what your looking for here. Our moissanite wedding bands are featured in two distinct cuts. Each ring is available in your choice of 14k gold, palladium or platinum.


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Management & Leadership Courses in Birmingham

Our Birmingham training centre offers you a unique learning environment where you can gain fully-accredited qualifications.

Kaplan Birmingham is easily accessible by public transport. It is situated eight minutes’ walk from Birmingham New Street, while it takes the same amount of time to reach Birmingham Snow Hill on foot. There are car parks close by if you prefer to drive.

Request more information

Here at MOL we take your privacy seriously and will only use your personal information to communicate with you in order to help find a suitable MOL qualification for you.

We’d like to keep in touch to provide relevant details about MOL products and services that may be of interest to you. Please select the ways you would prefer to hear from us:-

You can read more information about how MOL uses your personal information by reading our privacy policy here.


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Overview of Farmers Home Insurance

Farmers has the distinction of being one of the rare businesses to have started just before the Great Depression and remain in business still today. Founded in 1928 by two California farmers who walked farm to farm to sell their innovative new brand of farmer/rancher insurance policies, Farmers Insurance Group is now the 4th-largest home insurance company in the U.S., commanding an impressive market share of nearly 6 percent. But you probably know Farmers best as the company whose “Hall of Claims” commercials show off some hilarious — and, unbelievably, true — claims filed by homeowners that Farmers Insurance has paid, including damage from an angry moose entangled in a swing set and a fire started by a dog reaching for pizza, all of which speak to the company’s experience and customer care.

How Does Farmers Home Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2016 U.S. Household Insurance Study – Homeowners Insurance. The highest score for each category is five stars. The Farmers Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Policy Offerings
Billing & Payment
Contacting the Insurer
Customer Complaint Ratio

The National Association of Insurance Commissioners collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a less than average number of complaints, while a score higher than 1 means it has more than average. Find out more from the NAIC website. The Farmers Insurance subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: July 2017

Financial Strength Rating

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second “+” or a “-“ indicates the gradation of financial strength within the category. We can’t guarantee that the subsidiary of Farmers Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best’s Financial Strength Rating Guide for more information.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.

Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A

Effective Date: January 2017

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online
  • Household inventory tool

Pros and Cons of Farmers Home Insurance

  • The online quote tool sets recommended coverage limits but gives you absolute control to change these limits on all of the coverage options.
  • Farmers offers a wide range of discounts across the board, and even more in some states.
  • As one of the larger home insurance companies, Farmers offers numerous resources to help with claims in a disaster situation.
  • Farmers makes it easy to find numerous local agents through its website so you can speak directly to a representative in your area.
  • The mobile app allows you to pay your bill, receive electronic billing notices, find your agent’s contact information and even file your claim.

  • The online quote tool offers several coverage options without explaining what those coverages are or what the limits are for filing a claim.
  • Though it’s a large insurance company, there are several states in which Farmers home insurance is not available.
  • JD Power gave Farmers 3 stars for customer satisfaction in its 2016 Home Insurance Study. Its middle-of-the-road score of 807 is one that many of Farmers’ most recognizable competitors beat.

Farmers Home Insurance Coverage

Farmers’ online quote tool provides three packages to choose from: basic, enhanced and premier. Each package has distinct features, with options allowing you to increase personal property limits and adjust replacement payments made on depreciated value or replacement value. Once you choose a package based on whether you want a lower premium or better protection, you’re then able to customize the individual coverages within the package limitations.

The package that you choose determines your level of standard coverage, but you can change the individual limits. In fact, the Farmers online quote tool gives you more control over your standard coverage limits than most other home insurance companies.

The software that Farmers uses to estimate the appropriate dwelling coverage comes up with a slightly higher amount of coverage than many of the other companies’ will. But the tool also allows you to set the coverage at less than 100 percent of the replacement cost.

Separate structures

The default setting will depend on the package you choose, but you can adjust it to anywhere from 5 percent to 200 percent of the dwelling coverage.

Personal property

The default coverage for personal property is determined by package selection, but you have the option to adjust coverage to anywhere from 40 percent to 200 percent of the dwelling coverage.

Loss of use

You have three options for loss of use: 1) 10 percent of dwelling coverage limit for 12 months, 2) 20 percent for 12 months or 3) 30 percent for 24 months.

The liability coverage can be set between $100,000 all the way up to $1 million.

Medical payments to others

This is one of the only coverages that is fairly limited with Farmers, and is only available at the $1,000, $2,000 or $5,000 level.

Farmers splits up the deductibles for regular property damage and wind damage. For all peril, you can choose a flat dollar amount between $500 and $10,000, or make it a percentage of your coverage. For wind damage, choose between a $1,500 or $2,500 deductible, or choose a percentage ranging from 1 to 5 percent.

The additional coverage options that Farmers offers include the typical options you’d expect from most good home insurance policies as well as some less common additional coverages for your dwelling.

Home contents coverage

This option allows you to be reimbursed for the actual cost to replace damaged or ruined personal property, rather than the standard cost at a depreciated value.

Matching coverage

You can choose to give yourself some extra protection to make sure repairs will match the rest of the house. The coverage limits are $10,000 or $30,000.

Identity management

As with most large home insurance companies, Farmers has an option to include identity theft coverage. Farmers coverage includes resolution assistance, advocacy services or replacement of documents.

Eco rebuild

When you’re rebuilding or repairing after a covered loss, this option can provide up to $25,000 to make your repairs with eco-friendly construction materials.

Trees and shrubs

Landscaping isn’t usually covered under your home policy, but this optional coverage can provide protection for plants and lawn up to a maximum of 5 percent of your dwelling coverage limit.

Available Discounts on Farmers
Home Insurance Coverage

Homeowners can receive discounts for certain behaviors or actions that reduce your risk of filing a homeowner insurance claim. Depending on what state you live in, you also may find a range of additional discounts available. Some of the discounts you may find are listed below.

Type of Discount Description
Bundle If you have both a home policy and an auto policy with Farmers, you can get a discount.
Home improvements Replacing your roof or renovating your house might earn you a home insurance discount.
Nonsmoker If your home’s residents don’t smoke, you may be eligible for savings.
Security and fire protection devices Burglar and fire alarms reduce your home’s risk, which may reward you with an additional discount.
System update If your home’s plumbing, electrical or heating systems have been entirely replaced, this could provide additional savings.
Affinity discount If you or your spouse is, or has been, an employed in a qualifying profession—such as a police officer, doctor or teacher— or a member of an approved group, you can get a substantial discount on your home insurance.
New home You may earn a discount if your home was built in the last few years.
UL-approved roofing materials Special roof shingles designed to withstand the weather and approved by Underwriters Laboratories may help you save money.
Home safety Certain home systems that monitor and protect against damage (such as water leak or gas valve shut-offs) or those with certain green features may provide additional discounts.
Claim forgiveness If you go for 6 or more years without filing a claim, Farmers will waive your surcharge when you need to file one.
Cosmetic damage coverage When you file a claim for functional damage, Farmers will cover costs to repair cosmetic damages up to a reasonable amount.

How to Make a Home Insurance Claim with Farmers

You can call or begin your home claim online. You don’t have to log in to file your claim online. Once the process is started, you can find your claim representative online, even if you don’t have your claim number handy. With the claim started, you can call or go online to find a vendor partner to handle repairs, talk to a claims rep to see about replacing your personal property or even find emergency housing.

How to Contact Farmers Home Insurance

States Served
Updated: September 13, 2017


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Andrew fisher

Honesty and integrity are just two qualities that Towry Law’s chief executive most values and they have no doubt helped him map a successful career path. But his outspokenness doesn’t come without its critics, as can be seen by his company’s departure from Aifa. However, he says these “differences” of opinion should not stop him from achieving his ultimate goal – for Towry Law to be the biggest wealth adviser in the UK in five years. Interview by Will Henley

Towry Law chief executive Andrew Fisher has earned a reputation as an outspoken critic of some aspects of the industry. But his opinions can be set against a wide ranging and successful career in financial services.

At the age of 36, he was the youngest chief executive of private investment bank Coutts in its 300-year history and he has served as chief executive for many other companies.

Twenty-five years ago, graduating from Birmingham university with a degree in economics, he turned down a job working at a scrap-metal dealers in Wolverhampton to join dairy giant Unilever. As a brand manager for Flora, he was tasked with marketing margarine to the masses. “Butter was our enemy,” he quips.

By the age of 24, he was the youngest senior manager in the company. Fisher attributes the secret of his success to a deceptively older appearance. “People think I look older than I am. I looked about 44 then.”

The son of an airport manager with Pan-Am who travelled the world setting up airports in far-flung destinations such as Guadalupe and Nigeria, Fisher benefited from an international upbringing.

He recalls: “When you have to go to a well to get water at the age of nine because the electricity is off for three weeks, you realise that hardship is not a pleasant thing. If you have the choice between having luxury and not having luxury, you choose it. But you can’t always just turn it on.

“Living abroad helped me understand how business works too. The best way of managing people is to understand where they are coming from. To do that, you have to understand their culture.”

Prior to working at Towry Law, Fisher says he is most proud of his work at Coutts. There, he says, he turned round the bank’s management culture. Three hundred of the firm’s front-office staff were told to re-apply for their positions and each of them was interviewed by Fisher. It was a seismic change, he says, helping the company go from £20m in the red to £220m in the black in his last year.

He says: “Coutts had never made much money nor, for at least 100 years, had it looked after its clients in the way it did when it started. We wanted to find out if the staff wanted to work in an environment focused on the client.”

Fisher brought the same kind of reforming zeal to JS&P in 2004 in the post of chief executive and chairman. Having previously worked at Standard Chartered Bank, PricewaterhouseCoopers and Card Protection Plan, JS&P is the smallest business he has been part of. But it wasn’t long before he looked to expand and, with privateequity backing, Towry Law became his first major acquisition. The firm, two-thirds bigger than JS&P, was not exactly targeted by design, however.

Fisher says: “I would love to say we did a strategic review and identified Towry Law as our core target. In fact, three days before Towry Law was going to close the books on offers, an investment bank rang me and said: ’I don’t suppose you are interested?’ I said yes and we had three days to put in our bid.”

After a successful bid, Fisher says he tried to mould the “old-style, somewhat monolithic” Towry Law into the ethos of JS&P under the former’s brand. These qualities are honesty and integrity, excellence, focus and team spirit.

Independent financial advisers, although they try, find it hard to hit the first of these values, says Fisher. As one of the loudest, recent advocates of scrapping commission-based remuneration, he says he had been frustrated for at least two years with Aifa’s position, before quitting the association last month.

He says: “Aifa is at odds with the way the industry needs to go. The industry cannot hold itself to give honest independent financial advice unless it is fee-based, professionally qualified and capital based.”

It pains Fisher to explain that the split was not a publicity stunt but the result of genuine philosophical differences between him and Aifa. He says it is perfectly laudable that the trade body wants to protect the interests of its members but cannot agree with its position on the FSA’s retail distribution review.

He is complimentary about Aifa’s attempts to lobby in favour of improving education. But says it is not working fast enough and is critical of the lack of investment in training among advisers generally. He says: “Advisers liken them-selves to doctors but they are actually closer to receptionists.”

Fisher also points out that his disagreement with Aifa is not an attack on the director general.

He says: “Chris Cummings does a great job and I like him personally. He genuinely recognises that the industry needs to change and in the ways we are describing. But his timescale is different to mine. He is in a difficult position.”

The commission model, he believes, has a wholly negative effect on the integrity of the profession. He says advisers rank at the bottom of the ladder on most surveys of integrity, even below estate agents.

He says commission is anathema to the idea of being independent. He says: “If a doctor was remunerated on the basis of how many drugs he prescribed or the number of operations he makes rather than the advice he gives, then he would be biased.

“Coutts did charge commission, but we stopped it when I got there. But the issue is much more poignant for IFAs who hold themselves up to be independent. A private bank is a private bank.”

Fisher is not pleased with everything the retail distribution review offers, however. “I am deeply concerned about the customer agreed remuneration as an alternative. It sounds like commission through the backdoor,” he says.

The plans to split advice along primary and professional lines could cause problems for bigger firms. He says: “One company can’t do both. You would bring confusion to clients and the brand.”

The opportunities to acquire other IFAs because of the retail distribution review are huge, however. Already Towry Law has bought Baker Tilly Financial Services, MLP and some smaller adviser businesses. He says: “We want to be the biggest wealth adviser in the UK. We want to be a FTSE 100 company in five years, with funds under management of £10bn.”

Born: Aldershot, 1961

Lives: Berkshire

Education: BSocSci economics, University of Birmingham

Career: 2006-present: chief executive, Towry Law; 2005-06: chairman and CEO, JS&P; 2004-05: chief executive, Cox Insurance Holdings; 2002-04: chief executive, Card Protection Plan; 2002: senior adviser, Carlyle Group; 1999-02: chairman, Natwest Stockbrokers, Natwest private bank and RBS private bank; 1997-02: group chief executive, Coutts private bank; 1993-97: managing director, Rangely; 1990-93: commercial director, Standard Chartered Bank; 1987-89: partner, Coopers & Lybrand/PWC; 1986-87: management consultant, Deloitte; 1982-86: marketing manager, Unilever.

Likes: Sushi, opera, climbing, caving and heli-skiing

Dislikes: Hypocrisy, politics in business, traffic wardens and Ken Livingstone

Drives: Porsche 911 Turbo

Favourite book: Candide by Voltaire

Favourite film: Blade Runner by Ridley Scott

Favourite album: Wish You Were Here by Pink Floyd

Career ambition: Heading up the most successful wealth management firm in the UK

Life ambition: Remembered as putting something back into society

If I wasn’t doing this I would be… An outdoor instructor, climbing and caving

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There is one comment at the moment, we would love to hear your opinion too.

  1. Towry Law conned my family out of a fortune by advising me to invest my money in an insurance bond instead of my property. I complained to the FSO but they decided to protect the business. The rich looking after the rich. What’s new.

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Top Picks 2018: Cognex (CGNX)

01/17/2018 5:00 am EST

Tony Daltorio

Editor, Investors Alley Premium Digest

In order to survive in the 21st century, companies are demanding greater speed and efficiencies in their processes and robots are ever increasingly the answer; that's why robot armies are spreading throughout factories and warehouses around the world, explains Tony Daltorio, editor of Growth Stock Advisor.

Global sales of industrial robots rose by 18% to a record $13.1 billion (1.828 million units) in 2016, according to the International Federation of Robotics (IFR). The IFR forecasts the number of units will jump to 3.053 million units by 2020, transforming many manufacturing operations into 'factories of the future'.

Many of these robots will be ones that can work safely alongside humans. These are known as collaborative robots, or cobots. Crucial to these type of robotics systems is the rapid advancements being made in software, sensors and robotic vision systems.

This looks to be the richest seam to mine when investing in the robotics sector. The IFR estimates this is already a $40 billion market.

Most important among these is robotic vision systems. These vision recognition systems, coupled with artificial intelligence and cameras, allow robots to not only identify objects, but to learn from experience to improve their performance over time.

Foremost in this sector is Cognex (CGNX), my top speculative idea for 2018. The company is the leader globally in providing vision systems, vision software, vision sensors and industrial ID readers. It sells its vision systems to most of the big players in the industrial robotics industry. Overall, Cognex has a 30% share of the vision systems market.

Its business is quite profitable, with Cognex enjoying nearly 80% gross profit margins. And with much of the growth in robotics overseas, it is not surprising that 45% of its 2016 revenues came from Europe. Another 30% came from the Americas and 25% from Asia.

Cognex is expanding rapidly into the fastest-growing segments of industries that are becoming more automated. For example, the logistics sector (warehouses, etc.) accounts for only 10% of Cognex's revenues, but is currently growing at a 50% annual rate.

Another example is 3D vision, which is a necessity for cobots. Its 3D products grew well in excess of 100% in 2016 and that growth should only accelerate going forward. Industry tailwinds and Cognex's industry-leading position will keep the stock moving higher in 2018.

Subscribe to Tony Daltorio's Growth Stock Advisor here…

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Comprehensive Health Education in Prekindergarten

Comprehensive health education standards and performance indicators are integrated throughout the elementary school experience. Prekindergarten teachers implement a variety of health education learning activities to promote and practice safe living skills and strategies important to respond to an emergency. Nutrition concepts relating food, senses, and growth are included during instruction to establish their importance to wellness.

Key Concepts

  • Safety and injury prevention—discuss how to respond to an emergency; practice the steps to call 911 and tell a adult to respond to an emergency
  • Nutrition and fitness—identify the relationship between foods and the senses; recognize that foods have different tastes (sweet, sour, bitter, salty); explain why the body needs food (to grow)


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Georgia Construction Accident Frequently Asked Questions

October 05, 2010

Construction sites are among the most dangerous workplaces in the U.S resulting in more fatalities than any other occupational group. The number and type of hazards at a construction site are diverse and plentiful. The types of injuries at constructions sites also tend to be much more severe than other job related injuries. A construction accident often results in serious injuries that make it impossible to continue working in the construction industry or at the very least require a significant amount of rehabilitative time away from the workplace.

The emotional and financial consequences of such an injury can be devastating not just to you but to your family. At Montlick and Associates, Attorneys at Law, we have been representing folks injured in construction accidents throughout the State of Georgia for over 25 years. If you or someone you love has been seriously injured in a construction accident, you should contact Montlick and Associates, Attorneys at Law, to schedule an initial free consultation to discuss your legal rights and options. We have provided some answers below to questions we are commonly asked regarding construction accidents.

How serious is my risk of being involved in a construction accident?

The risk of being involved in a construction accident is substantial because there are so many hazards at a construction job site. The construction industry consistently rates as the most dangerous work environment for fatalities amongst all occupations. In a typical year, as many as 1 in 10 workers will be injured and 2,000 people killed in construction accidents.

Can I sue my employer if I am injured at my construction site?

An employee cannot sue an employer for work related injuries. Generally speaking, in Georgia, workers' compensation provides the exclusive remedy for construction workers who are injured on the job with respect to their employer (but you should discuss your situation with an experienced workers' compensation attorney to make sure!). Workers' compensation benefits will pay for medical expenses, a portion of income replacement, and in some instances occupational retraining. It does not pay for pain and suffering.  The benefits available through workers' compensation are fairly limited compared to a construction accident claim or lawsuit against a third party. A qualified Georgia construction lawyer can advise you about whether there are third parties against whom you may be able to make a claim in a construction accident to supplement your workers' compensation benefits.

What is a third party lawsuit in a construction accident case?

A third party lawsuit involves suing other parties who contribute to your injuries at a construction site other than your employer. Typical parties who may contribute to a construction site injury include the property owner, contractors and sub-contractors, equipment suppliers, manufacturers or installers, engineers, architects, coworkers, virtually anyone who may be involved in performing work on the construction site. A third party construction accident lawsuit allows for the full range of personal injury damages which typically provides far greater compensation than just a workers' compensation claim against one's employer.

Are there regulations and laws regarding workplace safety that may be relevant to liability in a construction accident?

Occupational Safety & Health Administration (OSHA) regulations govern workplace safety, and a violation of these rules can be a basis for a finding of negligence against a party to a construction accident claim. There are other state regulations that may also be relevant. An experienced Georgia construction accident attorney will be familiar with the laws and regulations that apply to construction sites and will be able to determine if a violation of these regulations may constitute a basis for imposing liability in a third party lawsuit.

I was injured and my employer is processing my workers' compensation claim. Do I really need a lawyer?

You should always obtain legal advice if you are injured in a construction accident. An employer's workers' compensation insurance carrier may deny the claim or try to pay less than you are legally entitled to under Georgia Workers' Compensation law. A qualified Georgia construction accident attorney will also be able to determine if there are third parties against whom you may bring a personal injury claim in addition to your workers' compensation claim. The complexities involved in a construction accident make it advisable to obtain a law firm with experience handling construction accident litigation. The law firm should have experience with construction industry standards, OSHA regulations, other state and federal safety regulations, premises liability, and product liability law.

What are some of the most common causes of construction accidents and injuries?

There are a wide array of hazards that cause injuries on a construction site, but common risks include the following:

• Falls from scaffoldings, ladders, roofs, unfinished floors

• Electrocution from failure to define the location of electrical lines

• Trench collapses

• Injuries from defective equipment and heavy machinery

• Welding accidents, which affect 500,000 people annually

What if my construction accident was my fault?

Workers' compensation is a "no fault" system, so with limited exceptions your fault does not matter with respect to injuries that were not the result of third parties.

Fault is relevant with respect to bringing a construction accident case against a third party. But even then, if you are determined to be 49% or less at fault, under Georgia law your partial fault will not preclude your ability to obtain compensation but will reduce your recovery by your percentage of fault. If your fault is above 49%, you may be barred from pursuing a personal injury claim against third parties. This can be very difficult to determine so you should consult an experienced construction accident lawyer.

A construction accident in Georgia can mean that you are unable to work and support your family and may face years of rehabilitation. It is important to have an experienced and knowledgeable construction accident law firm representing you in your workers' compensation claim and against third parties. At Montlick and Associates, Attorneys at Law, our Georgia and Atlanta construction accident lawyers have been representing those injured in construction accidents for over 25 years. We are available to assist clients throughout all of Georgia including, but not limited to, Albany, Athens, Atlanta, Augusta, Columbus, Gainesville, Macon, Marietta, Rome, Roswell, Savannah, Smyrna, Valdosta, Warner Robins and all smaller cities and rural areas in the state. Call us today for your free consultation at 1-800-LAW-NEED (1-800-529-6333), or visit us on the web at  No matter where you are in Georgia, we are just a phone call away, and we will even come to you.

Category: Personal Injury

Please Note:
Many of our blog articles discuss the law. All information provided about the law is very general in nature and should not be relied upon as legal advice. Every situation is different, and should be analyzed by a lawyer who can provide individualized advice based on the facts involved in your unique situation, and a consideration of all of the nuances of the statutes and case law that apply at the time.


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Mountain Hardwear Men's Dynotherm Down Hooded Jacket - Moosejaw
Mountain Hardwear Men's Dynotherm Down Hooded Jacket
Black / Surplus Green
Black / Surplus Green
Nightfall Blue / Altitude Blue
Dark Tannin / Cote du Rhone

Mountain Hardwear Men's Dynotherm Down Hooded Jacket

Mountain Hardwear Men's Dynotherm Down Hooded Jacket is rated 4.6 out of 5 by 5.
  • y_2018, m_9, d_17, h_20
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4.6 Star Rating
From $120.99   $220.00
up to 45% off

Select a Size Select a Color Size Guide

When will I get my stuff?

"In Stock" means this item is ready to ship. Orders placed before 3pm EST using a ship speed of 1 Day, 2 Days, or 3 Days will ship SAME DAY. Orders using 4-6 Day ship speed will ship within one business day.

"Ship Date" means we will special-order the product for you, and this is the date we expect your shipment to leave our warehouse.

"Oversized" means the item is large and can only be shipped using 4-6 Day ship speed. Additional shipping charges may apply.

"Freight" means the item is too large for standard shipping methods, and must be shipped by truck freight for an additional fee. Someone must be present to inspect, sign, and accept delivery, so we will call you to schedule delivery.

If you have any questions, please Live Chat or call us at 877-666-7352.

Add to Cart
+ earn up to $22.00 in Reward Dollars
Moosejaw Rewards: You earn MJ$10 for every $100 you spend on Moosejaw.com or at our shops (MJ$2.50 for discounted items).

So if you buy a $200.00 jacket on Moosejaw.com, you can use MJ$20.00 on your next order toward that sweet Moosejaw hoody you’ve been eyeballin.

You are signed up automatically when you give your email address and you’ll earn points as you shop. So easy.

For full program info, see:
Rewards Program Details
Add to Wish List
- +
Product Description Item No.   10282884

Products on Sale are Discontinued Styles or Colors.

FEATURES of the Mountain Hardwear Men's Dynotherm Down Hooded Jacket

  • Q.Shield Down 650-flll insulation repels water, 300 nylon face fabric is light and durable
  • Two hand warmer pockets are pack-compatible
  • Double-needle stitching adds durability, style, and texture
  • Single chest pocket is pack-compatible
  • Elastane cuffs seal in warmth, block out weather
  • Dual hem drawcords for easy adjustments on the fly
  • Low profile, insulated hood with elastane, for a snug fit

- + Product Specifications
Gender: Mens
Features: Adjustable Cuffs, Insulated, Adjustable Drawcord Hem, Helmet Compatible Hood, Zipper Garage, Waterproof, Elastic Cuffs, Hood
Best Use: Climbing, Mountaineering and Alpine, Backpacking, Hiking
Fit Type: Regular Fit
Weight: 14.2 oz
Back Length: 28 in.
Hood Type: Fixed, Helmet Compatible, Insulated
Exterior Pockets: 3
Internal Pockets: 1
Jacket Fabric: 30D Nylon Ripstop
Insulation Details: Q.Shield Down 650-fill
Waterproof: Yes
Product Technology: Mountain Hardwear Q.Shield Down
Jacket Length: Hip
Insulation: Down
Rated 5 out of 5 by from Great Coat Bought this about a month ago and it's been a good coat. It's a little more white than I thought - thought it would be more grey. It's pretty waterproof, warm, but not too warm, and super lightweight. I'm really happy I bought it. It's exactly what I needed
Date published: 2018-06-04
Rated 5 out of 5 by from Active wear jacket - Warmth without the bulk! I have worn this jacket hiking for the last month and it's warm, light weight and comfortable, without the bulk that most down coats have. Plus it's the first hooded coat that I've ever owned that has a comfortable and roomy hood that is not a pain to wear. The fit is true to the sizing chart and the sleeves are plenty long (I hate short sleeves on a winter jacket). It is easy to add a warm base layer underneath and even an insulated vest to adapt to colder temps; however this is not a mid-winter, arctic type of jacket. I'm happy with my purchase and would recommend this Mountain Hardwear Men's Dynotherm Down Hooded Jacket.
Date published: 2017-12-27
Rated 4 out of 5 by from Great Fit and Feel I bought this jacket for my upcoming move to Ohio. I currently live in California where the coldest It gets is about 50 degrees. So far the jacket is great. It cuts the wind nicely but isn’t quite as warm as was hoped for, however when worn over a fleece jacket in layers it works perfectly. I would definitely recommend!
Date published: 2017-12-19
Rated 4 out of 5 by from Good Value Yes, I've noticed some down escaping. Yes, the jacket lacks a drawstring for the hood. The cuffs are tight enough for me. Stuffing the jacket into the pocket is quite a challenge. At this price ($154 + bonus rewards) I am happy with the quality, which is not at the level of some other jackets. I am a fan of the color scheme; solid black is daft.
Date published: 2017-11-19
Rated 5 out of 5 by from Great fit! I bought this for my husband for Christmas and wasn't sure about it until he tried it on. It's a great fit that isn't puffy but keeps him really warm. The hood is a perfect fit as well. This is his 3rd Mountain Hardware jacket- we just keep coming back!
Date published: 2015-12-29
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- + Size Guide

Mountain Hardwear Men's Jackets

SIZE Small Medium Large X-Large XX-Large XXX-Large
Chest 36 - 38" 39 - 41" 42 - 45" 46 - 49" 50 - 53" 54 - 57"
Sleeve 33" 34" 35" 36" 37" 38"
Waist 30 - 31" 32 - 34" 36 - 38" 40 - 42" 44" 46"
Hip 36 - 38" 38 - 40" 42 - 44" 46 - 48" 50" 52"

CHEST: For your chest circumference, measure around the largest part of the chest, keeping the tape parallel to the ground.

SLEEVE: Sleeve length can be found by measuring from the center back of the neck, across a shoulder, and down the back of the arm to the wrist bone with the arm comfortably bent.

WAIST: For your waist circumference, measure around the narrowest part of the waist, also called the Natural Waist, keeping the tape parallel to the ground.

HIP: For your hip circumference, measure around the widest part of the hips / seat / bottom, keeping the tape parallel to the ground.

* Please note that all size info provided corresponds to equivalent body measurements, not the dimensions of the garment.

Mountain Hardwear clothing and outerwear is available in four fits. Each is designed to meet different needs for movement, protection and versatility depending on activity. Check the PRODUCT FEATURES and SPECIFICATIONS for the fit type of a style.

BODY FIT: Body-hugging fit for aerobic activities. Ideal for running, skate skiing and next-to-skin layering.

ACTIVE FIT: Trim fit, just loose enough for laying and freedom of movement. Ideal for backcountry skiing, climbing, mountaineering and running.

STANDARD FIT: Not too tight, not too loose. Standard fitting styles will fit over base and mid-layers without restricting movement. Ideal for backpacking, hiking, travel and work.

RELAXED FIT: A roomier and more progressive fit, relaxed styles might have a longer length than a standard fit and a softer drape. Ideal for backpacking, hiking, skiing and hanging out.

- + Warranty Info

Mountain Hardwear Limited Lifetime Warranty

What Does the Mountain Hardwear Limited Lifetime Warranty Cover?
Mountain Hardwear's Limited Lifetime Warranty covers defects in materials and workmanship for the practical lifetime of Mountain Hardwear brand products manufactured by Mountain Hardwear or its affiliates. Only original, unaltered, and unmodified materials and workmanship are covered by their policy. The limited lifetime warranty does not cover damage caused by normal wear and tear, improper care, misuse, accident, neglect, or the natural breakdown of materials over time. Products should be returned to Mountain Hardwear for evaluation. Items with defects in materials and workmanship will be repaired or a Virtual Merchandise Credit will be issued. Damages due to improper care or accident may be repaired at a reasonable rate. This policy is applicable to United States customers only.

How Long Does the Limited Warranty Last?
This Limited Lifetime Warranty lasts for the practical life of the product. Coverage ends if you sell or transfer the product. Proof of purchase may be required.

What Will Mountain Hardwear Do?
Their Warranty Department will inspect the product at no charge to you. If the Warranty Department determines, in its sole discretion, that the product has a defect covered under this Limited Warranty, they will repair or issue a Virtual Merchandise Credit equivalent to the MSRP value within approximately four weeks of inspection. Depending on the season or product, it may take longer to repair certain items. Mountain Hardwear will discard your product if your product is covered under their limited warranty policy. If you would like your original product returned instead of a Virtual Merchandise Credit, please check the box on the printable warranty form or call them no later than 10 days after you ship your product at 800-953-8398.

How Do You Get Warranty Services?
You may seek resolution directly through the retailer where you purchased the product, such as this website. In many cases, the retailer will be able to assist you.

US Customers - You can send your product to Mountain Hardwear, however, you will need to fill out the warranty form found on their WARRANTY PAGE, where you will also find a shipping address for returning your product.

International Customers - Visit the Mountain Hardwear WARRANTY PAGE to find information to assist you through the warranty process.

Please note that by law, products must be cleaned prior to sending. Items received by Mountain Hardwear that are deemed insufficiently cleaned will be returned to the customer unprocessed.

Mountain Hardwear's Warranty Service:
Phone: (800) 953-8398
Hours: Monday - Friday: 8:30am - 3:00pm PST


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Can't Decide?  Buy a Gift Voucher and Get the Perfect Gift!

If you are unsure what present to give your loved one, then our Gift Certificates are the perfect answer for you. Quick and easy gift for all occasions. They get exactly what they want and you spend less time shopping.  The Gift Voucher can be used to purchase anything from Morena Dancewear in store or online.

To order a Gift Voucher, simply choose a value from $50 to $300, write your personal message and pay online to receive the Voucher directly into your email. To access the form please click here.

Morena Dancewear Gift Vouchers are valid for six months from date of issue.