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CoreLogic & Academic Institutions: The Future of Catastrophe Risk

By Ivan Kuhnel | October 18, 2018

This post is part of a series sponsored by CoreLogic.

First on the Market

Ten years ago, CoreLogic® (at the time, EQECAT) introduced the use of global Atmosphere-Ocean-General-Circulation Models (AOGCM) for insurance-oriented assessments of windstorms in Europe. They were used for long, continuous simulations of past, present and future storm activity affecting properties around the world. Performed in collaboration with renowned universities, these simulations helped to reduce and better quantify the uncertainty associated with the modeling of insurance losses for this peril.

Flowing into the generation of more advanced stochastic event sets for the Eurowind™ model, these physically-based findings supplanted previous forms of assessment, for example, the classic expert opinion regarding probable maximum storm scenarios.

The advantage of climate model simulations lies in its length. The models are typically run for centuries. During this time all the components of the coupled Earth System, such as the atmosphere, ocean, ice, vegetation and atmospheric chemistry have enough time to interact with each other to produce physically sound results. They can simulate all types of oscillations and modes observed in our real climate and give indication of extreme, not yet observed storm scenarios.

As it continues to be refined and improved, AOGCMs are and will remain the most valuable and foundational tool we have at our disposal to better understand and manage scenarios leading to large socioeconomic and property losses.

Hybrid Hazard & Tail Risk

Long climate model simulations produce a very large amount of data which is not directly actionable for the insurance industry. In Europe the raw AOGCM output is typically not available to commercial entities.

This situation highlighted the importance of collaboration between academic experts, the insurance industry and commercial developers of risk models. Such a collaboration was initiated by CoreLogic 10 years ago in response to this need, at first with the Free University of Berlin and later also the University of Birmingham. Both universities are renowned for their expertise in the area of applied European windstorm research, producing results directly applicable to insurance-oriented problems.

To supplant the expert opinion on storm scenarios beyond the historical 50-year mark to, say, the two hundred year level, CoreLogic created their first Hybrid Hazard in 2008. This was in response to the need for less uncertainty by companies trying to better understand their tail risk and manage the allocation of their reserves.

In this first Hybrid Hazard, the accuracy of measured gust wind speeds was complemented by the length and temporal homogeneity of an AOGCM simulation of the 1860-2000 European storm climate. The gust wind speed measurements were used for the compilation of high-resolution footprints of damaging historical storms of the last 50 years, the AOGCM simulations, performed with the ECHAM5* model, for the generation of the corresponding stochastic event set of Eurowind.

Analyzed and recalculated by the Free University of Berlin, the ECHAM5 output was converted to dozen storm variables directly useable by CoreLogic in their stochastic modelling of windstorms. The analysis allowed a substantially better portrayal of storms larger than those observed in the last 50 years. Furthermore, it also helped to identify the physical thresholds of extreme storms, provided information on clustering patterns, and narrowed the range of their frequency.

Near Term & Diversification of Risk

The storm climate goes through various oscillations and longer-term trends, and so do the related insurance losses. Lower mode, quasi-decadal oscillations are becoming increasingly apparent in European windstorm loss records of the past decades. Higher in the 1990s, lower in the past 10 years, these oscillations in losses are a prime discussion topic within the insurance industry nowadays.

These fluctuations are assumed to be partially driven by slow oceanic processes. CoreLogic dedicated a further collaborative phase with the universities to this topic with the ultimate goal of an improved multi-year predictability of storm activity impacting multi-year industry transactions such as the insurance-linked securities market.

Their initial findings based on a coupled ECHAM5-MPIOM** model indicated that the European storm season tends to be preceded and furthered by a more active overturning in the Atlantic Ocean. Further advances in this area are expected to come from the evaluation of near-term European storm climate simulations using very high-resolution climate models. This was part of a CoreLogic-supported application for a project at the Barcelona Supercomputing Center.

Better allocation of capital resources is important from both near-term, as well as longer term perspective. CoreLogic investigations aimed at a longer time horizon gave further insights into potential future activity of severe European storms at the end of the 21st century. Converted to a What-If Eurowind loss scenario, they have indicated that the projected doubling of the frequency of Daria-like storms could entail an approximate ten percent increase in European market losses at the end of the century.

All these investigations are performed with the aim of providing CoreLogic clients with better and most-up-to-date risk management guidance. In this sense, the Europe basin based investigations are currently being extended to include correlations with Atlantic Hurricanes. This to provide a real potential benefit for insurance companies seeking to diversify their risk pertaining to both tropical and extratropical storms.

Millennium Simulation & Extreme Scenarios

Better understanding of the variability of storm activity is one of the most cited topics of interest in European insurance circles dealing with property losses due to this peril. To be able to provide their clients with a guidance on this issue in their second version of the Hybrid Hazard (incorporated in the most recent Eurowind model) CoreLogic replaced the 140-year long AOGCM run with the so-called Millennium simulation. In addition to that have they enhanced Eurowind stochastic events set with additional storms physically downscaled from the same source.

The Millennium simulation is a 1200-year long global run of an Earth System Model. It continuously covers the historical period 800-2000 and is driven by real historical forcing, as best known. Besides contributing to a statistically more robust stochastic event set and being a basis for regional downscaling, it has the advantage of containing hundreds of low-frequency climatic cycles.

Some of these cycles, such as the North Atlantic Oscillation (NAO), a seesaw between the subtropical High and polar Low-pressure systems over the North Atlantic Ocean and Europe, are known to have significant influence on the activity of extra-tropical storms over Europe.***

CoreLogic has used characteristics of this millennium-long simulation to extract all the positive phases of the NAO and to compile them into one composite. This composite has then been used for the generation of a loss scenario characteristic of the positive phase of the NAO.

With the release of RQE® v.18, this option is an integral part of the Eurowind model and at direct disposal to clients. It gives the users the opportunity to test the performance of their portfolios under specific phases of storm activity and thus help with allocation of reserves at regional level.

In Short

Since the introduction to the area of insurance-oriented catastrophe risk modelling 10 years ago, AOGCMs have become an integral part of many probabilistic windstorm risk models. CoreLogic was and continues to be a pioneer of this approach. By collaborating extensively with the academic sector, CoreLogic persists in seeking to provide the most up-to-date, applied catastrophe modelling solutions for the insurance sector.

* The name ECHAM5 fuses the “EC” (from the European Centre for Medium Range Weather Forecast model) with the “HAM”, for Hamburg, namely the Max Planck Institute of Meteorology, where the former model has been substantially extended.

** Max Planck Institute Ocean Model

*** The strength of the NAO is expressed in the form of the NAO Index, which is based on the pressure anomaly differences between the northern and southern parts of the North Atlantic Ocean. When the index is positive (positive phase of the NAO) the storms activity over Europe tends to strengthen and the storm tracks tend to be shifted towards the north. The circulation tends to weaken and storms tracks tend to be located further south during the negative phase of the NAO.

Components of a climate model (Source: UCAR)

About Ivan Kuhnel

Dr. Kuhnel is holder of postgraduate degrees from Swiss and Australian universities with more than 25 years of professional experience. Having worked for various commercial and academic organizations on different continents he gained expertise in the development of innovative risk assessment tools. Senior member of the CoreLogic Paris Model Development team for the past thirteen years he helps clients to better understand their exposure to natural perils.

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Following Compliance Technology Trends and Choosing the Right Solution for Your Company

Once upon a time, compliance with industry and government rules and regulations hinged not on technology, but on finding the right in-person training programme for your employees. Today, that has changed. The digital age has ushered in new capabilities that have radically altered compliance training. And, like all other sectors in which technology plays a prominent role, change with compliance technology is common. Understanding and following emerging compliance technology trends help ensure that you have the right tools to avoid noncompliance and all its issues.

So, what trends should you be aware of? How is compliance technology changing? We will take a closer look at some of the most important changes below and how they affect your decision to choose one platform over another.

Automation is everywhere today, from the rise of smart home assistants like Alexa and Google Assistant to software that helps automate things like regulatory reporting and maintaining audit trails for businesses. Look for this trend to continue. As AI becomes more prominent and better developed, the speed of automation will continue to increase exponentially.

Continuous Monitoring

Traditionally, compliance training was done on a rather ad hoc basis. While it might have met the letter of the law, it did not meet the spirit of those requirements. Issues addressed in this way could have been causing problems within your business for months, or even years. One of the most important compliance technology trends is in continuous monitoring, allowing your organisation to take a proactive stance.

Big Data

Big Data has been a thing for quite some time now, but its importance is only increasing, particularly when it comes to compliance technology trends. Look for compliance training programmes to begin focusing on advanced data analytics that can be used to not only detect but even predict non-compliance issues.

Once, owning software meant having to pay money for a number of licenses and installing that software manually on your workstations. Today, there is a seismic shift toward software-as-a-service, or SaaS. You can see this almost everywhere with software subscriptions slowly becoming the norm. Even Microsoft has gotten onboard by offering subscription access to many of the company’s solutions. Look for compliance training programmes to increasingly adopt this stance, as well. There will be fewer in-house platforms, and even fewer outright purchases. Instead, you’ll pay as you go with rented access to suites hosted in the cloud.

The Rise of AI

We mentioned AI previously, but it bears further scrutiny. Artificial intelligence is a blanket term that’s applied to many different compliance technology trends and capabilities. Not only does AI offer improved automation, but it can also help improve decision-making within your organisation based on accurate information and informed predictions. Look for AI to play an increasingly central role in areas such as know-your-customer, financial crimes, regulatory changes, and even anti-competitive activities.

Choosing the Compliance Training Platform for You

Now that we’ve looked at some of the most prominent compliance technology trends, we need to turn our eye to choosing the platform that is right for you. While there is no one-size-fits-all solution, a few tips can help get you on your way.

Make sure that you know your needs, as well as how they will change in the near future. Ensure that any compliance training platform you consider meets those needs. Ideally, modular training programmes allow you to build capabilities as your needs change over time.

Finally, ensure that you are able to complete a free trial and that the trial gives you access to full functionality. Put the software through its paces and see whether it lives up to the developer’s promise.

Do you want to find out more information? Contact us below.
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The InteraWorks Story

At InteraWorks, we are redefining productivity and performance. We offer the world’s most practical and meaningful performance and development framework, which we created by bringing together Effective Edge and Best Year Yet along with the Essentials Programs and a commitment to social responsibility. We empower untapped potential in people at all levels by equipping them with the purpose, clarity, freedom, and tools they need to achieve better results.

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Our Logo

Our logo reflects the four quadrants of our Performance Portfolio – Expand Capacity, Create Engagement; Be of Service and Develop Mastery. These are the aspects that enable individuals and organizations to perform at their very best, Each aspect is unique, and each is essential to the whole. The “negative space” invites a new perspective; one that allows for an easy flow from one aspect to another, and reminds us that each day is an opportunity to learn and grow.

What’s in A Name?

Well, a lot as it turns out. We know that integrated learning powerfully increases capacity and capability in people in all areas. “Intera” captures this perfectly. We integrate technology, content and behavior change; left and right brain; flow and information; heart and mind, and more to inspire and transform results.  Best of all, it really “Works” at work every time – and has for decades.

Any way you slice it, the word InteraWorks has powerful connotations. For us it means that a fully integrated human being sourcing motivations from the inside out works, at work.

Our Why

Our purpose is to elevate the human experience and empower individuals to find their own purpose and reach their full potential. We believe the path to this success isn’t a quick fix or small bandage. We believe in a journey lived all year long, again and again, in a continuous upward cycle of learning and growth. We believe in the long game and investing in the human potential that can transform both people and organizations producing results year after year.

We believe in the symbiotic relationship between organizations and people. A relationship where organizations thrive because of the people in them and people thrive because of the environment the organizations have created. We support people in improving their performance and development and through this we help organizations get the results they want

Our What

InteraWorks is the next generation of learning and development. Combining experiential learning, technology, and yearlong development paths, our programs can be applied to professionals of all levels and transform the way your work gets done. We balance our proven mindset and methodologies with integrated practical systems and technologies that ensure your success.

We partner with organizations that want to do big things and value the people who work within those organizations. Ones that know creating the right environment is the right thing to do. Our clients have used our programs to set world records, generate explosive business growth, fuel turnarounds, climb mountains, hit key annual goals, launch new products to the world, and successfully tackle countless other challenges.

Our How

We provide a truly integrated learning experience that’s practical, powerful, and provides immediate results. Our systems work because we combine theory and science with belief and behavior transformation. We expand the reach of people through action, habit, mindset, focus, and prioritization. Our technology and support make it easy for everyone to use our process and continue to achieve results month after month and year after year.

Our History

InteraWorks has a deep history in human development and high value learning systems. Our legacy businesses, including Effective Edge and Best Year Yet, have enabled professionals and teams to generate powerful results for decades. Founded and developed in 1995 by Christina Randle, Effective Edge transforms the way work gets done through modern approaches to productivity. Best Year Yet, developed by Jinny Ditzler in 1980 and co-founded with Tim Ditzler in 1997, empowers the best in human beings to accomplish the results that matter most. They are pioneers in combining behavior change and mindset shifts. InteraWorks has built on this foundation by incorporating the wisdom of our founders along with new perspectives, new programs and new approaches to improve the quality of the human experience.

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Your future is our future. We’re here to help you succeed and reach your goals. We’ll continue to evolve to meet your needs and those of an ever-changing global landscape.

We’re recreating what it means to be “business people.” We’re building our own legacy that’s true to our values. Our goal is to create and grow a connected community that has what it needs to accomplish what matters most. We’re thinking big, with plans to reach 10 million people across the globe, to provide a thriving and sustainable model where everyone is empowered to live their best lives. And we’re just getting started.


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Missoni Mare

Knit Chevron Sarong Skirt

  • Size: IT

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    ombre rainbow wave

Product Additional Information

Product Details

A must-have for your next vacation, the Italian label spins this fringed sarong cover-up from their signature mutlicolored knit. Banded waist. Pull-on style. Split skirt hem.
  • Fabric: 92% viscose, 4% polyamide, 4% polyester
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  • Model is 5'10" and wearing size IT 38
  • Length from waist to hem: 30" exclusive of fringe

Item listed in Italian sizing, please make note of accurate size conversions.

Please note: This item was pre-shot and written from a sample. Details including fabric, construction, and measurement are subject to slight variations from the pictured item.

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People and Culture

Bus in England

The UK has a very multicultural society and is very open to new religions and cultures. While also keeping long-held traditions like maintaining a royal party, the UK has changed greatly and has become much more cosmopolitan and multicultural. The UK is seen as a destination of great diversity with London being the hub for many international students.

The main religion in the UK is Christianity which makes up about 50 percent of the religious population, largely split between the Church of England and Catholicism.

In addition to Christianity, the UK has large numbers of practicing members of other major world religions, as follows:

  • Christian: 50.7%
  • Muslim: 2.5%
  • Hindu: 0.7%
  • Jewish: 0.6%
  • Sikh: 0.3%
  • Buddhist: 0.6%
  • Other non-Christian: 1.5%
Visit the National Statistics website for more information on religion in the UK.

The main language in the UK is English, which is spoken throughout the whole country. In Wales, some people still speak Welsh. However, since all Welsh people also speak English, you only need to speak English in the UK. For such a relatively small country, there are a lot of dialects, and some of them can be hard to understand, even for English people. Dialects can include:

  • Cockney: people from London (and probably the most common)
  • Brummy: people from Birmingham
  • Mancunian: people from Manchester
  • West Country: people from Devon, Cornwall and Bristol area
  • Scouser: people from the Liverpool area
  • Geordie: people from Newcastler, Middlesborough and Sunderland
  • Scottish: people from Scotland
  • Welsh: people from Wales

For more information on languages, visit the ESL Directory which lists English Language Programs.

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Tracing terrorist finances

Disrupting the flow of terrorist funding is critical to curtailing their activities.

Any crime which results in a profit can be used to finance terrorism. This means that a country may face terrorism finance risks even if the risk of a terrorist attack is low.

Sources of terrorist funding include, but are not limited to, low-level fraud, kidnapping for ransom, the misuse of non-profit organizations, the illicit trade in commodities (such as oil, charcoal, diamonds, gold and the narcotic “captagon”), and digital currencies.

By disrupting the flow of terrorist funding and by understanding the funding of previous attacks, we can help prevent attacks in the future.

Strategic cooperation

We maintain relationships with a number of bodies to help drive high-level policies and cooperation to counter terrorist financing:

  • the Financial Action Taskforce (FATF), an intergovernmental body that develops international standards to combat money laundering and the financing of terrorism;
  • FATF-style regional bodies, who disseminate best practices in their respective region;
  • The Egmont Group, a network of 159 financial intelligence units from around the world.

Investigative support

On a hands-on level, we seek to encourage better cooperation between financial intelligence units (FIUs) and police in our member countries, to encourage the sharing of intelligence and analysis.

A key part of this is promoting the extension of I-24/7, our secure global police communications system, to FIUs across the world. In addition, we are championing the systematic inclusion of financial information in INTERPOL alerts related to terrorist subjects of interest.

We also advise our member countries on specific cases, connecting investigators across borders and continents, ensuring that all INTERPOL’s capabilities are used when appropriate.

Case study

The example below shows how our global network of countries, alerts and specialized support can lead to fast and concrete results in investigations.

One of our member countries in Europe requested assistance with a live terrorist financing investigation in which the suspect had financed the travel of family members and others to conflict zones by transferring funds valued circa EUR 18,000.

Our specialized officers offered advice in order to streamline the investigation and liaised with four other member countries from Africa, Americas and the Middle East where funds had been transferred.

At the request of the investigating country, INTERPOL published a Red Notice for the suspect who was subsequently arrested in another, previously unconnected, member country and extradited for prosecution.


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pUNO1-hNLRC5 Unit size Cat. code Docs Qty Price
pUNO1 bearing the human NLRC5 gene
20 µg

Expression-ready ORF Clones

Alias : NOD27, CLR16.1

NLR family, CARD domain containing 5.
NOD-like receptor C5.
Nucleotide-binding oligomerization domain leucine rich repeat and CARD domain containing 5.

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Human NLRC5 (pUNO1-hNLRC5)

Genbank : NM_032206.3
ORF size : 5601 bp
Subclone : AgeI - NheI

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pUNO1 contents

  • 20 µg of lyophilized DNA
  • 2 x 1 ml blasticidin at 10 mg/ml

room temperature Product is shipped at room temperature.

store Lyophilized DNA should be stored at -20 ̊C.

stability Resuspended DNA should be stored at -20 ̊C and is stable up to 1 year.

Alert Blasticidin is a harmful compound. Refer to safety data sheet for handling instructions.

Store blasticidin at 4°C or -20°C for up to two years. Product is stable 2 weeks at 37°C.

Avoid repeated freeze-thaw cycles.

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Zymosan Unit size Cat. code Docs Qty Price
Cell wall preparation of S. cerevisiae
100 mg

Cell wall preparation of S. cerevisiae

Zymosan, an insoluble preparation of cell wall from Saccharomyces cerevisiae, activates macrophages via TLR2.

TLR2 cooperates with TLR6 and CD14 in response to zymosan [1].

Zymosan is also recognized by Dectin-1, a phagocytic receptor expressed on macrophages and dendritic cells, which collaborates with TLR2 and TLR6 enhancing the immune responses triggered by the recognition of Zymosan by each receptor [2].

1. Ozinsky A. et al., 2000. The repertoire for pattern recognition of pathogens by the innate immune system is defined by cooperation between toll-like receptors. PNAS. 97(25):13766-71.
2. Gantner BN. et al., 2003. Collaborative induction of inflammatory responses by dectin-1 and Toll-like receptor 2. J Exp Med. 197(9):1107-17.

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Specificity: TLR2 and Dectin-1 agonist

Working concentration: 1 - 10 μg/ml

CAS number: 58856-93-2

Endotoxin level: EndoFit™ (<0.001 EU/μg)

Solubility: Insoluble (resuspended zymosan results in a cloudy suspension)

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  • 100 mg Zymosan
  • 10 ml sterile endotoxin-free water

room temperature Zymosan is shipped at room temperature

store Stored at 4°C. Resuspended zymosan may be stored at 4°C for at least 6 months.

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Oil and gas companies are becoming increasingly interested in the hydrocarbon potential of key basins offshore Peru. This interest is being driven by several recent onshore successes and Peru’s developing hydrocarbon industry.

To help provide oil and gas companies a strategic view and enhance the reservoir characterization of this area ION, in collaboration with PeruPetro, developed PeruSPAN.

Consisting of more than 6,600 km, the program covers the offshore margin from the Talara basin in the north and to the Pisco basin in the south.

  • Provide a unique and consistent dataset extending from the shelf to deep water and shallow to basement imaging, thus creating a regional stratigraphic framework
  • Improve regional understanding of the region’s tectonics as well as new and existing play types
  • Improve understanding of depositional fairways that facilitates basin-wide stratigraphic correlation
  • The only contiguous survey of the Peruvian margin from the Tumbes to the Pisco Basin
  • Program design and physical survey layout driven by regional geology with acquisitions targeting the identification of new and existing play types within a continuous seismic framework
  • Unprecedented deep focus acquisition parameters – 10,000 m deep tow cable, 18-second record length and a specially designed, large volume source with deep tow configuration and WiBand processing to maximize the quality of data and to facilitate geologic correlation
  • Integrated geologic and geophysical interpretation providing a consistent regional framework for tying in wells and existing seismic lines with key geologic features in a basin-wide framework

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ION has geophysical superiority in processing and imaging that has been proven time and again in...
BasinSPAN surveys have a long offset and are typically depth imaged to 40 km. The programs are...


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Wiper (Hybrid Striped Bass)

Wiper (Hybrid Striped Bass)

Like most hybrids, this fish has features of both parents. It has the deep, flat body, small head and the distinct back arch of White Bass; yet it has the dark gray or blue-silvery body coloration and thick dark longitudinal body stripes of the Ocean Striped Bass. Although the hybrid closely looks like White Bass and Striped Bass, it differs slightly in several features. Two distinctive tooth patches are near the middle of the tongue. The first stripe below the lateral line is distinct and complete to the tail. Positive identification of Hybrid Striped Bass is easier when viewed alongside purebred parent fish. There are obvious external differences, but these are not so obvious when viewed alone. From observations in other localities, this fish seldom exceeds 10-pounds when fully grown.

Wiper (Hybrid Striped Bass) Distribution

Pool 14 of Mississippi River, Saylorville Reservoir and Des Moines River

Gizzard shad, silversides, sunfish, insects, and crustaceans

State Record

19 pounds, 10 ounces - Saylorville Reservoir, Polk County, August 2006 - Youa Lovan, Des Moines, Iowa

Expert Tip

Hybrid Striped Bass have been released at two locations in Iowa. The original stocking in 1981 into Saylorville Reservoir, was followed each year with stockings of additional sac-fry. Fingerling sized Hybrid Striped Bass were released into Pool 14 of the Mississippi River in 1984, and stocking continues each autumn.

Since the initial introduction, the Morone hybrids have dispersed widely from Saylorville and presently live in a large segment of the Des Moines River system. Fish have been seen upstream near Ft. Dodge and as far downstream as Ottumwa. Based on these observations, this species will extend its range in the Mississippi River. Abundance of the hybrid depends on the release of hatchery-propagated fish.

Knowledge about Hybrid Striped Bass in Iowa is limited since this is a new fish to the region and its life limits remain under investigation. Hybridization of the parent stock is successful only in the most controlled hatchery conditions. Natural hybridization of female Ocean Striped Bass and the White Bass or the reciprocal cross is almost impossible since the two species rarely are in the same water. In Iowa, Striped Bass are absent from our waters. Hybrid Bass are nearly always monogenetic, which makes secondary hybridization with either parent species almost impossible. Some mature female hybrids have been collected in the southern United States. Like White Bass, eggs of the hybrid are small compared with Striped Bass. Spawning activity of hybrids has been seen with White Bass in one southern location, but no natural reproduction was found.

Hybrid Striped Bass grow fast in Iowa, but like White Bass, they are fairly short-lived. Three years after the first stocking of sac-fry in Saylorville Reservoir, fish 20-inches long and 5-pounds were reported by anglers.

Present in these Iowa water bodies:
Lake/Stream County Location Acres/Length
Red Rock Reservoir Marion 4 miles north of Knoxville 15250.00
Pool 16, Mississippi River Scott The amenities list are for Buffalo Shores campground in Buffalo, Iowa. Amenities at other locations in Pool 16 vary by location. 13000.00
Rathbun Reservoir Appanoose 8 miles northwest of Centerville 11000.00
Coralville Reservoir Johnson 4 miles north of Iowa City 5280.00
Saylorville Reservoir Polk North edge of Des Moines 4970.00
Lake Macbride Johnson 4 miles West of Solon 940.00
Three Mile Lake Union 3 miles northwest of Afton 880.00
Lake Manawa Pottawattamie Southwest edge of Council Bluffs 747.00
Lake Icaria Adams 4 miles north of Corning 648.00
Pleasant Creek Lake Linn 4 miles North of Palo 401.00
West Lake (Osceola) Clarke 2 miles west of Osceola 320.00
Lake Wapello Davis 7 miles west of Drakesville on the west side of V17 289.00
Roberts Creek Lake Marion 6 miles northeast of Knoxville 288.00
Badger Creek Lake Madison 5 miles southeast of Van Meter 276.00
Blue Heron Lake (Raccoon River Park) Polk southwest of West Des Moines; Raccoon River Park 232.00
Ada Hayden Heritage Park Lake Story North side of Ames, west of Grand Avenue/Highway 69. 137.00
Iowa River (Marshalltown to Coralville Lake) Iowa This stretch is located in Marshall, Tama, the SW corner of Benton, Iowa, and Johnson County. A popular access is at the Hwy 21 Access, which is part of the Iowa River Corridor Wildlife Area, just south of Belle Plaine. 104.00
Grays Lake Polk Fleur Drive, Des Moines 96.00
RAPP Park Lakes Page north edge of Shenandoah 95.00
Sand Lake Marshall On the Northeast edge of Marshalltown 95.00
Terry Trueblood Lake Johnson 1.5 miles south of Hwy 6 on Gilbert Street in Iowa City. 90.00
Des Moines River (Stratford to Saylorville Lake) Polk The Highway 30 Access is in the middle of this river section and is located 3 miles west of Boone on the north side of Highway 30. 57.00
Des Moines River (Saylorville to Red Rock) Marion A mid-section access point for this stretch of river is at the Pleasant Hill Boat Ramp. This ramp is located on SE Vandalia Drive immediately east of Highway 65. 50.00
Copper Creek Polk North side of University Ave. in Pleasant Hill along Four Mile Creek. 42.50
Prairie Park Fishery Linn 1.5 miles SSE of Cargill on Otis Road, along the Cedar River in Cedar Rapids 42.00
Iowa River (Coralville Lake to River Junction) Johnson This stretch is located in Johnson County. A popular access is the Tailwater East Ramp located right below the Coralville Lake Dam, East of North Liberty and Coralville. 29.00
Ottumwa Park Pond East Wapello Inside Ottumwa city limits off Wapello Street 10.40
Ottumwa Park Pond North Wapello Inside Ottumwa city limits off Wapello Street 3.00
Fife's Grove Park Pond Ringgold 1 mile north of Mount Ayr 1.00


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Business & Economics — Philander Smith School

business & economicsAdvertising” is a typical module within the Enterprise & Economics observe. An academic letter of recommendation is a 1 web page letter (roughly) that highlights a pupil’s tutorial background, character, academic or profession objectives and other related pursuits or achievements. The letter expands upon a scholar’s document or transcript, offering insight into what kind of student they’re and their suitability for the programme. It needs to be written by a professor, academic or examine overseas advisor.

The Division of Enterprise and Economics prepares ethical, inspirational leaders. You will discover the intersection of enterprise and faith, develop your God-given talents, and learn to make use of the tools of enterprise to make a difference in your communities and our world. The mission of the CBEA is to be a valuable resource to the greater northeastern Wisconsin enterprise community, whereas offering our greatest and brightest college students the opportunity to hone their … Read More

Faculty Of Enterprise & Economics

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Australian Citizenship

Non-Australian citizens can now apply for a citizenship following certain guidelines and standards. If an individual is a permanent resident of Australia and is able to meet the eligibility requirements given, he might be able to apply for a citizenship by conferral. This means that this particular person is to be conferred or given the citizenship.

The things one should know when applying for, and granted an Australian citizenship include eligibility, documents to prepare and submit, lodging of application, appointment-setting, ceremony, and the corresponding fees. There are different choices of application. It is important that the person applying knows the type and the ways on how to apply for Australian citizenship.

How Can ISA Migrations Help You?

We are a team of expert migration agents who have skillfully dealt and negotiated with clients from different nations and as cultural backgrounds. We make thorough evaluation on the case of our clients including their personal conditions. When the assessment is completed and no problems are detected, we then recommend for them to make the next move, be it, to obtain a visa, or apply for the citizenship in Australia. More so, we offer a complete checklist that will address all the legislations needed.

If you wish to apply for a citizenship in Australia but you don’t know how to go about it, let the ISA Migrations help you with the application process. Visit us at your nearest ISA Migration’s office or fill out the inquiry form and send us your query. One of our team members will get in touch with you.

Applying For An Australian Citizenship

Documents needed to apply for a citizenship

One needs to obtain the three types of documents in order to apply for citizenship. These are as follow:

  • Identity documents showing the photograph and signature; present residential address; and the birth name, date of birth and gender
  • Character document containing the evidence that the applicant lived or travelled outside Australia since age 18 years old; and the totality of time spent overseas is added to the 12 months or more
  • Supporting documents such as evidence for exemptions, discretions and concessions; evidence of the requirement for special residence; evidence of residence for both British and New Zealand migrants; and documents related to children who are included in the application

Who Can Apply For This Citizenship?

An individual can become a citizen once certain requirements are met. Typically he is eligible to apply if he:

  • is a permanent resident at a time of application and at the time of decision
    meets the residence requirements
  • is of good character
  • has a basic knowledge of English language
  • intends to reside or maintain a close and continued connection with Australia
  • has a sufficient knowledge of privileges and responsibilities of citizenship in Australia An applicant who is 60 years old and above is not required to take the citizenship test.

What Can An Australian Citizen Do?

There are special days and events recognized in Australia, and affirmation and citizenship ceremonies are frequently held as part of coming together as one nation to honor the great things of Australia and how great it is to be an Australian. These celebrations a citizen can enjoy include:

  • Australia’s Local Hero Award
  • Australia Day
  • Australia Citizens Day, and
  • Other citizenship celebrations

The Australian citizenship lets you live in Australia permanently. However, certain requirements are needed along with the fees to qualify for the application.

General Eligibility Criteria For Australian Citizenship

Aside from the Australian citizenship eligibility mentioned, there are other things to consider for the application to be processed. Generally, one can apply if he is a migrant with permanent residence. The general residence requirements are as follow:

    he must have lived in Australia holding a valid Australian visa for four years immediately prior to application
  • must have been a permanent resident for 12 months immediately prior to application and not have been absent from this country for more than one year in all, during the four-year period including not over 90 days in the 12 months prior to application

Under some conditions, he must be qualified for the application for a discrepancy to the residence requirement, or be qualified under the requirement for special residence.

General Q & A About This Citizenship

Inquire Now
What Clients Are Saying About UsWe let our clients do the talking.

Look at the testimonials from our clients and measure how much satisfied they are? Over the last 3 years 97.6% of customers said the ISA Migrations was 'good' or 'very good'

  • 4.8
What Clients Are Saying About UsWe let our clients do the talking.
  • 4.8
Enquire now to discuss your visa options with our Registered Migration Agents
Amit Taya (Perth) : +61 426 488 909 Harmandeep (Adelaide) : +61 8 8120 4199


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23 June 2018

Visiting the Arlington cemetery, Washington DC

Arlington cemetery, washington dc, saurabh mittal

I have been to the Washington DC metro area a multiple number of times. its all about the govt building and amazing structures, excellent and also the best in the world museums which are an absolute delight.

However, there has been one place which I have missed visiting all the times. This is Arlington cemetery also based out there. It is supposed to be the biggest cemetery and also gets the honor of national cemetery. I have also watched the presidents pay their homage at this place before taking oaths and during big events like 4th of july.

This trip towards the end of the day, We made sure we paid a visit here. We came out both a little mellow, sad and as well as nourished with the feeling of patriotism. A solider is a solider. be it in india, or USA or any other country. He lives and dies by his discipline, his order and his zeal to fight for his country.

However, it is such a humbling experience when you see so many graves in front of you. I have seen the cemetery in San Francisco, but haven't visited it yet. Its a very different feeling to walk the roads here, and observe the size of this place.

We then went to observe the change of guard ceremony at the tomb of the unknown soldier. It's just fantastic to watch. Silence does have a language and such places reemphasize that.

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How Your Eyes Baffled Charles Darwin

darwinImagine floating over mountains and icecaps, and stroking the soft, melting clouds overhead. Your superhuman abilities seem unreal, but what does it matter? You don’t have a care in the world. Just as you’re enjoying this sensation, a loud, repetitive noise abruptly rips the skies apart and sends you hurtling back towards Earth. But before the impact you wake up in your bed, and through blurry eyes you realise that the serenity of your dream had to end as this time, to set you up for another day at the office.

This scenario is one we all recognise to some extent, but what many of us take for granted is the opening of our eyes and the immediacy of our sight. It really is incredible: have you ever considered for a moment how your eyes work, or even why you have them at all? Read on to discover the mysteries hidden in the depths of the human eye.

From the Absurd to Evolution

Charles Darwin studied the eye profusely, trying to uncover the secrets of its evolution for his progressive work “The Origin of Species”. He was baffled by how the eye could have evolved through spontaneous mutation, and even admitted himself that the idea was ”absurd.” However, scientists at the European Molecular Biology Laboratory (EMBL) recently discovered the truth behind the evolution of the human eye, and proved that Darwin was correct, even though he himself doubted his own theory of evolution.

How Your Eyes Evolved

To understand the EMBL’s findings, you first need to study the anatomy of the eye. Much like a digital camera, the eye focuses light primarily through the cornea, that is to say the clear surface at the front of the eye. The iris then adjusts the size of the pupil to control the amount of light that will reach the back of the eye. Towards the back of the eye, the lens further focuses the light before it reaches the retina, which is a sensitive inner lining at the back of the eye; the retina converts the optical images into electronic signals, which are then transmitted to the visual cortex through the optic nerves, enabling sight.

The retina contains photoreceptor cells known as rods and cones, and it is here that the EMBL have discovered the origins of the eye’s evolution. Scientists found that these light sensitive cells originated in the brain. Unlike most animals, human ciliary cells developed into rods and cones, giving us vision. In other animals, the rhabdomeric cells evolved into eyes, whilst the ciliary cells remained contained within the brain.

However, being made up of over two million complex working parts is still not enough for the human eye to work: for sight to function correctly, all these parts need to be not just simply present, but also in the exact size and shape.. As the second most complex part of the body, only losing out to its big brother the brain, the eye can process an amazing 36,000 bits of data every hour, and spot a candle from 14 miles away.

Our eyesight really is an amazing fete of engineering that we should appreciate and not take for granted. A study by Bausch and Lomb revealed that 7 out of 10 people would rather lose a decade of their life than their eyesight, and once you appreciate the complexity and the effect that your eyes have on your life, it’s easy to understand why.

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Technical Recruitment Agencies – Their Ability to Provide Talented Professionals

Technical recruitment agencies strive towards satisfying the needs of professionals in the industry. They have the capacity to recruit a large number of technical professionals who have a wide range of technical skills for a variety of organizations.

Recruiters at the best technical recruitment agency (also known as “meilleure agence de recrutement technique” in french language) are trained and qualified related to the industry. This allows them to understand each organization's requirements in detail.

These recruiters may provide the potential technical professionals in a short span of time. These agencies can ensure that professionals stay with the organization for a long period of time.

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Technical recruitment agencies can help organizations to work efficiently. Technical professionals provided by these agencies are filtered and put through a variety of technical tests before being sent to the organization for the interview. This helps organizations to save time and cost per hire and help them to hire professionals who possessed the necessary technical skills and can prove beneficial for the organization

A technical recruitment agency provides quality services to the organization by understanding the market and the services and solutions that are needed. These agencies can provide an organization with impeccable expertise and meet the requirements of organizations that help these agencies to build a reputation for itself.

Talented professionals are in great demand in this industry and these agencies can provide the right talent at the right time.


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15 May 2020

Thousands of children and families will benefit from new EFL Trust initiative

On International Day of Families, Ipswich Town Community Trust is partnering with EFL Trust and Ferrero to launch the ‘Joy of Moving Home School Festival’, a full afternoon of home school activities and games to get children and their families moving and having fun.

Following the launch of the new online Joy of Moving Resource Hub, the Home School Festival will involve 72 other EFL Trust network Club Community Organisations and at a time when children are unlikely to experience the fun of their school sports day this year or missing play time with their friends, will offer children and families an afternoon of movement and fun with different games and activities to choose from.

The Joy of Moving programme, a Ferrero CSR project, has been supporting Year 5 children across EFL Communities in the UK for the past 6 years. The Joy of Moving programme has consisted of two elements; the Move & Learn programme and Joy of Moving Festivals. Over 310,000 children have been introduced to moving and learning new skills all while having fun and playing.

Mike Evans, Chief Executive at EFL Trust said;

“We are delighted to bring the Joy of Moving Home School Festival to thousands of households across the UK. So many children will miss out on their Sports Day and our festival should offer fun whilst also keeping children active during these times.”

Our network of Club Community Organisations have been doing some amazing work in response to Coronavirus, and this is another way in which football is supporting the community and reaching families in all regions of the country.”

Charlie Cayton, Director of Corporate Affairs and communications, Ferrero UK said;

"We have had a strategic partnership with the EFL Trust for many years delivering our corporate social responsibility (CSR) project the Joy of Moving Move & Learn and Festivals. We have swiftly worked with EFL Trust to adapt the programme to share our simple and fun unbranded games with parents and teachers, that give ideas on how to get kids moving through play. This includes a freely accessible resource hub for everyone. We are really excited to see the Joy of Moving Home School Festival in action.

"The games and activities are based on the unique Joy of Moving methodology, developed by Ferrero with key independent parties including Foro Italico (Rome University) and the Italian Olympic Committee (CONI). This methodology inspires children to move through play across the world, whilst developing key skills in four major areas: physical fitness, motor coordination, cognitive functions and creativity and life skills."

The Joy of Moving Home School Festival will begin next week. Keep a look out for what is happening in Ipswich through #JOMHomeFestival or to find more fun games to play visit

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IT Horizons strives to provide the ultimate solution for all of your business' IT requirements, while providing attentive customer support that's second to none.

We offer a comprehensive IT service offering and are able to accommodate a range of budgetary needs. Whether you choose to take a hands-off approach with fully managed IT services or need your stakeholders to be more involved in the design and implementation of your next IT project, our team of IT professionals has the knowledge and experience necessary to handle anything and everything to do with your IT environment.

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Startup sector bands together to help recently laid-off workers

Startups working to connect job seekers with new career opportunities

The startup sector is pulling together in an effort to help recently laid-off tech workers find new jobs, according to a recent Wall Street Journal report.

Those involved in the effort have worked diligently to aggregate lists of downsized workers, organizing virtual career events and resume reviews in response to recent layoffs. While their efforts are noble, those involved are likely to face a growing number of candidates as hiring continues to stall.

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In a practice that started just before the pandemic but is now gaining momentum, a number of individuals within the startup sector have been circulating online spreadsheets with the names of laid-off employees at particular companies. As layoffs continue, the number of candidates needing employment continues to grow.

To accelerate the hiring process for candidates and employers, venture firm Torch Capital launched a tech-focused jobs portal in April. That portal now lists contact information for nearly 1,000 job seekers. To date, the portal has roughly 900 open roles.

“It’s a unique time to get unparalleled exposure to exceptional talent that normally takes months to find, or takes recruiters, or you have to poach,” Katie Reiner, an investor at venture firm Torch Capital, shared with the WSJ.

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Torch Capital isn’t the only venture firm involved in this effort. Primary Venture Partners has been busy reviewing the resumes of over 300 New York tech workers. Meanwhile, First Round recently held a virtual networking event that connected startups with out-of-work engineers.

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According to data tracker, more than 360 startups have terminated over 36,000 employees since March 11 due to the coronavirus pandemic. While those numbers are alarming, the site warns it may have undercounted the number of displaced tech workers.

Although staff reductions took place in a blink of an eye, the hiring process for many companies has been the opposite. Companies across the country have since implemented strict hiring freezes due to the virus’ impact, and tech has taken a big hit, as Glassdoor reports tech job openings in the US have dropped more than 20% between March 9 and April 6, 2020.

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My Trips: Malaysia 2008

Malaysia Grand Prix 2008, Race Day

The traffic isn’t too bad and we get to the circuit in good time. We settle in and watch a Porsche race, before the F1 preparations begin. Today is much busier than yesterday.

Soon enough the race begins. Lewis Hamilton gets off to a great start, jumping several places. We relax and watch the race unfold as we sup beers. Lewis has a few problems in the pits and ends up 5th, which is pretty good

Abby and I help a Malay guy with his digital camera. We avoid the crowds at the buses and walk back to the main road. We grab a taxi for a fair price and head back to Cam’s.

We’ve all had a great day.

Malaysia Grand Prix 2008, qualifying day

We catch an airport limo taxi (only a few Ringgit more than a regular taxi) to the Sepang motor racing circuit for the Formula 1 Grand Prix qualify. Once in we get some drinks and settle under the cover to watch a Porsche race, and then the F1 qualifying.

The tannoy system is a bit inadequate, but we watch the action and guess from the screen what is happening. Lewis Hamilton, who Abby and I are supporting (fellow Brits) comes 4th.

After the qualifying we stick around to watch the GP2 race. About half way through we head back to to KL.

Abby has loved today.

Hat Yai, Thailand to Kuala Lumpur, Malaysia on the overnight train

Today we are traveling to Kuala Lumpur again, to stay with friends and to watch the Grand Prix. We check out of the hotel at out noon and wander around Hat Yai. We have 3 hours to kill and intended on doing a little shopping to buy some things to send home. Although we had read that shopping is good in Hat Yai, we find it a bit limited and don’t buy anything.

We jump on the train and find our seats through to Kuala Lumpur. The seats are already made into our beds, which is a bit annoying, but I change them back to seats.

The train runs through to the Malaysian border, where we get off, go through customs and get back on the train.

We get under way again and continue south towards Kuala Lumpur. We both sleep well and get off early. In Kuala Lumpur Sentral station we stop to get coffee, then grab a taxi to my friend Cameron’s house. It’s great to be back at Cams.

Train platform at Padang Besar

Crossing into Thailand

At the border we easily leave Malaysia, with their efficient and clear immigration, and painfully and slowly enter Thailand with their ‘could be better’ immigration. Abby and I both get flustered by the jostling of the queues. It even rains on us. Eventually though we get out visas and head into Thailand on foot.

The guide book claims the railway station is 50m from the border, but that turned out to be 1km, by which time our backpacks were hurting, our spirits low and we desperately needed a money changer as we had no Thai Baht.

All of a sudden we see the railway station, and a money changer outside. Once I changed the Malaysian Ringget into Thai Baht, we enter the railway station and book out train tickers to Hat Yai. We by some snacks and wait for the train. The fresh colours of the railway station quickly lifts out spirits.

Rough boat ride back to mainland Malaysia

We get up early to find the monsoon has blown out, but big waves remain from yesterdays winds. We make our way across the island just as the sun is rising. I like walking through the jungle this early, but I have to admit I kept my eyes open for fresh spider webs across the pathways. The spiders here are big and nasty.

There are a few people waiting at the jetty, and many more arrive whilst we wait. No one seems to know whether the boats are coming today, but we assume they will. A little after 8am I see a boat in the distance getting closer. It’s a fast boat, but there is only 1 and there are about 50 people waiting by now. Eventually, after a lot of talking amongst the boatmen, and many mobile phone calls we get aboard the second boat to arrive and we head off back towards the mainland. About halfway into the crossing the seas get rough. As the mainland becomes closer the waves get big. Bigger than the boat in fact, but the driver skilfully ‘surfs’ the waves, making use of the 400hp engines to stay within the waves and safely deliver us to the jetty. There were a couple of moments when the boat felt like it was tipping sideways, but the driver never looked concerned. He even gave me a thumbs up at one point.

Back at the jetty Abby and I have banana pancakes for breakfast. I arrange a Taxi to the Thai border.

Monsoon dampens the day on Pulau Perenthian Kecil, Malaysia

We wake to find strong winds and heavy rain bashing the coast. We had planned to take the noon boat back to the mainland. We ask a few locals, including crazy Carlos, who all seem to think the boat will come. We decide that the sea is so rough that we wouldn’t want to take the boat anyway, and stay for another day.

Some of the lads from the place we are staying take a surfboard out and ride some of the waves. We join them by taking a swim. The waves are rough and the currents are very strong.

It’s a shame there is only power on the island between 7pm and 7am, as we have some movies and TV programs to watch on the laptop, and I’d like to get a little work done. Oh well, we cant have everything. We keep ourselves busy, indoors mostly, but occasionally dodging the rain. We even have a game of twister.

Hopefully the boat will come tomorrow and take us back to the mainland. We’re hoping to catch the bus to Thailand.

Onto the Pulau Perhentian islands, Malaysia

We catch the mini-bus for a day of travel to Kuala Besut. After form filling (government requirements) We jump on the ‘fast boat’ to the small island (Kecil). Once we get past the harbour area the boat driver opens the twin 200BPH engines and smiles (some of fear) come across everyone’s faces as we race at breakneck speed towards the islands. The journey takes just 30 minutes.

We land at Coral Bay due to the waves being high at Long Beach on the other side of the islands. We trek across the islands, through the jungle path, and arrive at the beautiful beach. We check a few places to stay, which are either full or a bit drab and settle on a bungalow at Matahari Chalets. We have no water, and later find we are right by the generator that runs all night. But ear-plugs get us a good nights sleep.

Exploring the Cameron Highlands, Malaysia

Today is a tribute day to my late Grandmother Christine Williams who passed away this week.

We rent a motorbike and head north towards the tea plantations. We stop at Bala’s Holiday Chalet for a cream tea which is excellent. We continue north passing through wonderful rolling hills of tea and other crops. After going too far we turn back and find the turning for the Sungai Palas Boh Tea Plantation.

At the tea plantation we have a quick look around and enjoy an ice cream and a home grown tea. The views are stunning.

Kuala Lumpur to Tanah Rata, Cameron Highlands, Malaysia

After staying with my friend Cameron in Kuala Lumpur for 10 days we get back on the road. We get the bus from KL to Tanah Rata, in the Cameron Highlands. The last section of the journey becomes more scenic and dangerous as the bus hugs the mountain edge roads at break neck speed.

Once in Tanah Rata we check into the Hillview Inn, which is more expensive that our normal budget, but immaculate, and we after a little more luxury today.

We book a motorbike for tomorrow afternoon and eat at a recommended Indian restaurant.


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Displaying items by tag: Furniture designer

IKEA held its first "Democratic Design Days" event late last month, which not only included a range of IKEA collections, but also featured some great talks, of which we filmed two, in full.

Published in Home Tech
Tuesday, 21 June 2016 13:42

Is a home any longer just four walls?

We all need somewhere to live, a roof over our heads, a safe place to call home… But with rapid technological advances and the move to remote working, it has become so much more.

Published in ShawThing
Wednesday, 26 February 2014 10:42

Xero reaches Australian customer milestone

Online accounting software company Xero says it now has 100,000 paying Australian customers after adding 25,000 new customers in the six months since the end of August last year.

Published in Accounting Software

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The Amazing Spiderman 2 hits theaters soon and we're giving away t-shirts!

We've always known that Spider-Man's most important battle has been within himself: taking care of the ordinary responsibilities as Peter Parker and the extraordinary ones as Spider-Man. Well, his greatest battle begins on May 2, as we all going to go and see it.

We are doing the premiere with radio stations CHOM 97.7 and Virgin Radio 96 FM for the Amazing Spider-man 2 in Montreal. They are giving away tickets, we are giving away hanging Spider-Man t-shirts from Jack of all Trades.

All you have to do is listen all week, call and win! We will see you on premiere night at the Theatre with more giveaways from Jack of all Trades.

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Talking with a therapist can often help us with a wide range of concerns. For example, you may be feeling sad, worried, anxious, angry, or just plain stressed out. And those are just a few of the many reasons people call me. So, if you're not feeling well, I may be able to help. Please feel free to read more, or simply give me a call.

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Seeing a therapist can often help us improve important relationships. For example, you may be feeling unhappy with your marriage or afraid that your spouse seems distant. Being a couple can be hard, but things can get better. So, if you're unhappy, I'd love the opportunity to help. Please feel free to read more, or simply give me a call.

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  • Counseling

Working with a therapist can help even the most successful leaders. Many leaders use coaching and counseling to help them be their best. Furthermore, I believe that the basics of effective leadership apply in a variety of roles. So, if you're interested please feel free to read more, or simply give me a call.

  • Illinois License #180.006027

  • Psychology Degree: MA - Northwestern University, 2003
  • Business Degree: MBA - University of Chicago, 1987
  • Undergraduate Degree: BS - Central Michigan University, 1979

Professional Memberships:

  • Illinois Mental Health Counselors Association
  • American Mental Health Counselors Association
  • Illinois Counseling Association
  • American Counseling Association
  • Illinois Association of Couple and Family Counselors

Therapist Guiding Principles

As a therapist, I am guided by a few basic principles in all of my work, whether that work is psychotherapy, counseling, marriage counseling, or coaching. When combined, these principles foster the healthy environment that helps us grow and thrive.

Therefore, you have my promise that I will work hard to uphold these principles, and to create and maintain this environment as we work together to achieve your goals. In summary, this environment is respectful, safe, and helpful:

It is a respectful environment:
  • Rich in empathy and understanding.
  • Contributing to personal growth and feelings of well-being.
  • Enabling you to move toward what you want to accomplish, not what a therapist believes should be accomplished.
  • Relaxed, unhurried, and respectful of the pace at which you want to work.
  • Providing the number of sessions that you feel you need in order to accomplish what you want.
  • And finally, giving you an opportunity to be understood and accepted for who you are, just as you are, without judgment.
It is a safe environment:
  • Providing a place to talk about confidential concerns, and...
  • Empowering you to determine what concerns and issues we talk about.
  • Providing a place to talk about difficult emotions, and...
  • Naturally, empowering you to decide which emotions we talk about.
It is a helpful environment:
  • Helping in practical and useful ways, and...
  • Most importantly, enabling important changes.

Please feel free to call...

My phone number is 847-382-0600. (voice/text)

I'm in my office six days a week, Monday through Saturday, but please feel free to call any time. Whenever possible, I'll respond immediately, and if an immediate response is not possible, I'll get back to you as quickly as I can.

I'll be happy to help in every way possible. However, in an emergency please call 911 or visit your nearest hospital emergency room.


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Aspects of Chilean cinema

LA NANA : CHILI (2009)

Director: Sebastián Silva

Cast: Catalina Saavedra, Claudia Celedón, Alejandro Goic

Raquel has been working as a maid for over twenty years. When her boss announces the arrival of Mercedes who’s to help her in her task, Raquel takes it very badly and begins to exercise a pernicious psychological pressure on those around her...

©2014 All rights reserved by www.jcctunisie.org


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This Christmas, the anticipated Harrods shopfront displays have been revealed. This year, Harrods have teamed up with Burberry to create ‘A Very British Fairy Tale’. The concept tells the story of “two children on an enchanting adventure through a snow-swept English country house”. Filling the store’s 29 windows, the display showcases a range of limited edition products from Burberry. The windows feature an eclectic array of displays such as flying cars, floating bathtubs and secret passageways. Not only this, visitors can interact with a sensory window using a motion sensor, through which they can experiment with the lighting and music.

Images from: Luxury London

[ Read More ]

Contact us now on

London Office: +44 (0)207 252 2392
Birmingham Office: +44 (0)121 233 9041

Or email us via

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Samsonite Spinner Underseater with USB

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The Samsonite® Spinner Underseater with USB port is a favourite travel companion that fits under most airline seats. Four multidirectional spinner wheels allow 360 degree upright rolling in multiple directions to move across all surfaces with ease.

  • Made of durable polyester
  • Fits under most airline seats
  • Four, multi-directional spinner wheels for easy mobility
  • USB Port - Integrated charging port allows for easy access to personal portable chargers (personal batteries not included)
  • Interior mesh organization pockets, padded laptop and tablet sleeve
  • Front zippered organizer pocket
  • Additional side exterior pocket for quick stash items
  • SmartSleeve™ on back allows bag to be placed over handle of most upright luggage pieces
  • Locking 3-height handle

Dimensions: 16.5 x 13.8 x 9 in | 41.9 x 35.1 x 22.9 cm
Weight: 5.6 lb | 2.5 kg
Volume: 25L

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National Education Leadership Dialogue's Education Collaboration Framework endorsed by the President

The Minister of Basic Education commits to the Education Collaboration Framework, a partnership initiative of the National Education Leadership Dialogue.

From the Basic Education Budget Vote Speech, 2013/14 by Mrs Angie Motshekga, Minister of Basic Education National Assembly, Cape Town

Education collaboration Framework

Honourable Members,

To respond to the call made by the National Development Plan for inter-sectoral cooperation to improve educational outcomes, working with various partners, we have put in place an Education Collaboration Framework (ECF).

It follows a multi-stakeholder Education Dialogue convened in December 2012, wherein business played a key role. Annually, companies spend just under R3 billion on education.

The ECF will implement targeted programmes including district and systemic change interventions and innovation projects. This is an important development for the current year, and has the blessings of the President and stakeholders. A special education trust is being set up. I’ll provide details soon.

I know this Collaboration will work. Since we signed the Nedlac Accord on Basic Education, our department has entered into partnerships with over 100 private businesses.

Read the full budget speech: www.education.gov.za/Newsroom/Speeches/tabid/298/ctl/Details/mid/2341/ItemID/3653/Default.aspx

For more on the National Education Dialogue seewww.jet.org.za/events/national-education-leadership-dialogue-1

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John Libbey Eurotext

Epilepsy surgery Volume 4, numéro 2, June 2002

  • Page(s) : 164
  • Année de parution : 2002

Epilepsy surgery Lüders HO, Comair YG, Philadelphia: Lippincott Williams & Wilkins 2001, 1,060 p. This second edition of "Epilepsy Surgery", dedicated to Pr. Claudio Munari, appears less than 10 years after the first edition, but the huge amount of data accumulated in the field of epilepsy surgery during this relatively short period clearly justifies this re-edition. Particularly, the dramatic advances that have occurred [...]


text:
John Libbey Eurotext

Zonisamide in West syndrome: an open label study Volume 11, numéro 4, December 2009

Department of Pediatrics, Asan Medical Center, University of Ulsan College of Medicine, Seoul, Korea

Aims. Infantile spasms are usually resistant to conventional antiepileptic drugs. Although adrenocorticotropic hormones or vigabatrin are regarded as standard agents for the treatment of infantile spasms, there are still limitations of their use. We determined the efficacy and tolerability of high-dose zonisamide in patients with recent-onset infantile spasms. Methods. Seventeen patients with infantile spasms, who were admitted to our hospital between October 2005 and November 2007, were eligible for enrolment within two months of diagnosis. Zonisamide was administered at a starting dose of 2-8 mg/kg/day, increasing by 2-5 mg/kg/day every three to four days until the seizures disappeared or the dose reached 30 mg/kg/day. Complete response was defined as clinical cessation of infantile spasms over 28 consecutive days and disappearance of hypsarrhythmia by EEG analysis. Results. Of the 17 treated patients (nine who received initial monotherapy and eight add-on therapy), five of 12 (42.0%) cryptogenic patients and two of five (40.0%) symptomatic patients showed complete disappearance of spasms. The maximum daily dose was 10–28 mg/kg, and the effective daily dose was 10-22 mg/kg. Mean time period before disappearance of spasms and hypsarrhythmia was eight days. Seizure recurrence was observed in three of the seven patients who showed complete disappearance of spasms. Adverse effects included irritability in four patients and poor oral intake in two patients. Conclusion. Although further study of zonisamide is warranted, high-dose zonisamide can be effective and safe in some infants with newly diagnosed West syndrome.


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Children’s Health Projects

The Children’s Health impact area uses strategies that provide access to nutritional foods and increase knowledge on the benefits of healthy eating and being physically active. Efforts in this area include projects that include a pantry program, education series, and activities that promote movement and provide access to facilities and physical fitness. Projects include:

E3: Educating, Empowering, Engaging

JLJ volunteers assist in planning four different monthly programs for families of children in the UMMC Center for Advancement for Youth (CAY) clinic, Operation Shoestring, Canopy Children’s Solutions, and JPS.

Mid-town Backpack and School Pantry Program

Volunteers provide 150 children with a backpack filled with nutritious food to take home each weekend over 34 weeks.

REACH (Recreation, Enrichment, and Activity for Children’s Health) Night

Volunteers play and interact with children hospitalized at Batson Children’s Hospital and help celebrate holidays in special ways.


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Sensation All Rounder H 7’ Spin, 8-14lb (CW:7-20g), 2pcs

A Medium-Heavy sport fishing rod which can catch everything. It is a fun rod to use.
The “Fast progressive taper” make the unique bending which allow the rod to fight the fish for you.

  • Responsive X-Wrap carbon blank
  • Fuji real seats
  • Fuji KR alconite guide
  • High modulus carbon
  • Dual use Hook Keeper

•              Max. Load 90 Degree: 2.8kg

Sensation 7' All Rounder H Spin

  • 1. Each Individual rod has done loading test ( with Rec. drag setting) before shipping out from JML warehouse.
    2. Do not apply drag higher than recommended drag setting, it might break the rod with special angle when fish runs.

    3. Do not high sticking the rod, the sharp angle(more than 90 degree)will break the tip section due to high modulus graphite characteristic.

    4. Transport the rods with best care while fishing.

  • Facebook - Black Circle
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Last updated by at .

JMX Brands Staff October 2017

JMX Brands Makes Leading Furniture E-tailers List

Sarasota-based JMX Brands has made Furniture Today’s 2017 Leading Furniture E-Tailers list. This is the third year in a row that JMX Brands, the largest online retailer of Amish furniture at, has made the list. JMX Brands also recently opened an online store for eco-friendly home goods at Furniture Today’s list of the 30 top furniture e-tailers is ordered alphabetically and includes retailers that get at least 80…


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Healthcare Specialist as Medical Affairs Manager - Diagnostics, Medical Education (m/f/d)

 R-Biopharm AG  Darmstadt
The department of Medical & Scientific Affairs is seeking a

Medical Affairs Manager (m/f/d)

R-Biopharm – Innovative test systems for Food & Feed Analysis and Clinical Diagnostics • Over 30 years of experience • Over 800 employees worldwide • Headquarters in Darmstadt

Do you have a passion for new challenges

You are experienced in Medical Affairs and have a good head for organizing, paired with a friendly personality? If this description fits you, our Medical Affairs department is pleased to have your support:
  • Develop and maintain the highest scientific and medical expertise within the diagnostic area and be acknowledged as an expert in this area, developing peer-to-peer scientific relationships with HCPs and giving medical support to the corresponding cross-functional disease area teams
  • Closely collaborate with Key Opinion Leaders and cultivate a network of experts for the specific disease areas. Initiate and support high impact medical education activities, including congress symposia, hospital meetings and speaker development programs; provide medical and scientific input into the planning and execution of advisory boards
  • Collaborate with health care professionals to identify opportunities for the development of testing algorithms and guidelines to facilitate early diagnosis. Implement and oversee the function of scientific writing and preparation of scientific publications in the peer-review journals
  • Support M&S Affairs leader and provide regular updates
    Monitor and evaluate changes in the medical and scientific environment (clinical studies, therapeutic trends, etc.) respond appropriately to derive actions and business proposals
  • Responsible for creation and improvement of scientific validity and clinical report documents
  • Develop, implement and supervise company-sponsored studies in alignment with legal and compliance requirements and internal SOPs and policies
  • Manage requests for product supply in off-label use cases in accordance with procedures. Training internal team members in relevant disease areas and product training
  • Works in a compliant manner and contributes to the culture of the adaptive and fast-changing environment in cross-functional team with diverse skills

Then convince us of your potential:

  • MD and/or PhD or equally academic qualified healthcare professional.
  • Professional knowledge and skills in Medical Affairs and R&D in the IVD industry
  • Experience in clinical research, patient recruitment, and investigator-sponsored trials
  • Proven basic science and/or clinical background to enable engagement of Health Care Professionals in a scientifically meaningful exchange
  • Good analytical skills as applied to medical, scientific and technical information
  • Experience in medical education and KOL management
  • Ability to manage multiple projects in a matrix and fast paced environment
  • Effective communication of evidence based scientific information
  • Knowledge of aspects of IVD, GCP and regulations will be a plus
  • Ability to work collaboratively and cross-functionally in large teams
  • Developed problem solving and risk-mitigation skills
  • Excellent fluent English and German

Discover the R-Biopharm Spirit:

  • A job with a meaning: Our work reflects the knowledge of our employees, the high quality of our products and our corporate culture. We offer room for initiative, responsibility and the possibility to come up with your own ideas.
  • Inspired and motivated teams: We are a versatile and international company with an open working atmosphere and highly qualified employees. We apply team spirit, celebrate successes together and reward your performance with an attractive compensation package.
  • Development opportunities: With us, you can expand your expertise. We offer the support you need to develop your successful career.
  • Responsibility towards people and the environment: Our ethical principles include people as well as our environment. We always act with the aim of creating a more sustainable future.

Do you recognize yourself?

We are excited to receive your convincing application – by e-mail only to – including salary requirement and earliest possible starting date. In your application, please refer to reference number 403.

We are looking forward to getting to know you!

Notice: By sending the application, the sender agrees that we may collect, store and process personal data during the application procedure. A revocation of the consent is possible at any time. The collection, storage and processing of personal application data is restricted to the purpose of the specific application process.

While applying for the job please refer to jobvector and use the following reference number: 403

About R-Biopharm AG

Seit 1988 entwickeln wir innovative Produkte in den Bereichen Klinische Diagnostik sowie Lebensmittel- und Futtermittelanalytik. Labore, Kliniken, Institute und Nahrungsmittelproduzenten schätzen unsere qualitativ hochwertigen und kundenorientierten Lösungen. Ausgehend von einem Betrieb mit 6 Mitarbeitern entwickelte sich R-Biopharm rasch zu einem international agierenden...
More about R-Biopharm AG


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Never argues, never snores, always agrees, always shuts up - perfect 4U!

What Britain needs is an iron lady. - Margaret Thatcher

Don't argue with an 18-wheeler. - Unknown

Every flower must grow through dirt. - Unknown

The trick is growing up without growing old. - Casey Stengel

Don't go through life, grow through life. - Eric Butterworth

Praise, like sunlight, helps all things grow. - Croft M Pentz

To my embarrassment, I was born in bed with a lady. - Wilson Mizner

Growing old is something you do if you're lucky. - Groucho Marx

I'm sorry, if you were right, I'd agree with you. - Robin Williams

Faith is not something to grasp, it is a state to grow into. - Mohandas Gandhi

The only thin a boyfriend was good for was a shattered heart. - Becca Fitzpatrick

It matters not what someone is born, but what they grow to be. - J K Rowling

Sometimes I consider myself as a feminist, whatever that means. - Sarah Palin

Be not afraid of growing slowly; be afraid only of standing still. - Chinese Proverb

Our youth we can have but today; we may always find time to grow old. - George Berkeley

Don't say the old lady screamed. Bring her on and let her scream. - Mark Twain

Though many people regret growing old, it's a privilege denied to many. - Unknown

When we grow old, there can only be one regret: not to have given enough of ourselves. - Eleonora Duse

I do not agree with what you say, but I will defend to the death your right to say it. - Voltaire

Work hard. Rock hard. Eat hard. Sleep hard. Grow big. Wear glasses if you need 'em. - Webb Wilder

Being powerful is like being a lady. If you have to tell people you are, you aren't. - Margaret Thatcher

The cure for a broken heart is simple, my lady. A hot bath and a good night's sleep. - Margaret George

The really frightening thing about middle age is the knowledge that you'll grow out of it. - Doris Day

Difficulties are meant to rouse, not discourage. The human spirit is to grow strong by conflict. - William Ellery Channing

Growing up, I'd just be at home, playing tennis, spending my allowance on an ice-cream truck. - Venus Williams

To argue with a person who has renounced the use of reason is like administering medicine to the dead. - Thomas Paine

Admiration is a very short-lived passion, that immediately decays upon growing familiar with its object. - Joseph Addison

Grow up, and that is a terribly hard thing to do. It is much easier to skip it and go from one childhood to another. - F Scott Fitzgerald

When I was in boy scouts, I slipped on the ice and hurt my ankle. A little old lady had to help me across the street. - Steven Wright

A broken heart is just the growing pains necessary so that you can love more completely when the real thing comes along. - J S B Morse

The quality of your life is determined by the quality of your relationships. The quality of your business is no different. - Harvey Mackay

Irish poets, learn your trade, sing whatever is well made, scorn the sort now growing up all out of shape from toe to top. - William Butler Yeats

Women, as they grow older, rely more and more on cosmetics. Men, as they grow older, rely more and more on a sense of humor. - George Jean Nathan

It's a funny relationship that makeup artists have. I always feel kind of like a dentist. People look at me and think of pain. - Rick Baker

The greatest day in your life and mine is when we take total responsibility for our attitudes. That's the day we truly grow up. - John C Maxwell

I cannot for the life of me understand why small children take so long to grow up. I think they do it deliberately, just to annoy me. - Agatha Trunchbull

Don't let the age on your driver's license determine your season in life. Everyone's growing seasons look a bit different. - Vicki Kuyper

It's really important to stand up for yourself and not always agree with what people say if indeed you don't feel that that's true. - Lily Collins

I'm readin' in the paper where the CIA is dopin' people up. Maybe somebody injected some of that LSD in the lady's cottage cheese. - Archie Bunker

You don't develop courage by being happy in your relationships everyday. You develop it by surviving difficult times and challenging adversity. - Epicurus

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NFL Super Bowl LII PTX Backpack Cooler

NFL Super Bowl LII PTX Backpack Cooler

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  • Material: 100% Polyester
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  • Measures approximately 11" x 7" x 13.5"
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Amelia 6 months old!

Our little Amelia Grace is already 6 months old!?   It has been quite an adventure over the last 6 months adjusting to having three little ones running around.  We have absolutely enjoyed every minute (well most of them anyways) getting to know our little gal.  The boys are amazing big brothers and are always concerned about her and loving on her.  We have definitely been blessed.  Looking forward to the future to see what God has in store for our little girl and the woman that she will become!

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