text:
ORISKANY, N.Y. — Notice is hereby given that proposals will be received by Cornell Cooperative Extension (CCE) of Oneida County until 4:00 PM, Tuesday, November 13, 2018 for completion of a consumer behavior and market size study in Oneida County.
Cornell Cooperative Extension is a known and trusted educational resource with over a 100-year history in Oneida County. The mission of CCE is to improve the lives of our constituents through educational partnerships that put scholarship and local knowledge to work. We address the social and economic challenges of the region and play an important role in creating an even more promising and prosperous future for the people of Oneida County!
Cornell Cooperative Extension Oneida County is seeking to contract with an experienced individual and/or organization to complete an analysis of institutional buying and a market size study. This study will complement a recently completed analysis of local food production and distribution that will be used to identify opportunities to create a stronger market connection between local producers and local consumers. As evidenced in the summarization of that study, to create the market connection, information on current institutional buying habits and market size is needed. The overall goal will be to determine the market size of Mohawk Valley wholesale purchasers, their local foods purchasing interest, and which products are most likely to garner business for local producers.
Scope of Services
CCE is interested in retaining a qualified individual and/or organization to complete an analysis of institutional buying and a market size study. The successful applicant will work with CCE and the Mohawk Valley Food Policy Advisory Council Steering Committee to:
- Assess the details of institutional food service contracts in the Mohawk Valley
- Assess the current purchases of institutional buyers with specific attention to price, pack, frequency, agricultural practice certifications, and annual totals.
- Inventory area institutional food priorities for details including but not limited to: local/regional foods in bid language, sustainability objectives in bid language, employees and/or committees dedicated to similar topics.
Required Elements in Response / Response Format
Organizations or individuals responding to the RFP shall provide the following information within their proposal. Only complete submittals will be evaluated.
A. Cover Letter
Respondents should submit a cover letter expressing their interest.
B. Qualifications
The response shall contain, at a minimum, the following information:
Individuals and organizations must identify the key individual(s) to be assigned to the project (by name and position) and describe their/your specific work experience, educational background and length of tenure with the organization, if applicable. Answers to the following may apply to your organization and/or the key individual.
- Provide examples of similar studies and/or related projects completed and discuss their successes.
- Submit names, addresses and phone numbers of three (3) professional references familiar with your ability, experience and reliability in the performance and management of marketing, design and branding similar to this proposal.
- Explain how you gauge the success of a market analysis. (What benchmarks do you propose to be used to measure your performance?)
- Acknowledge your ability to be available to attend meeting and participate in associated work groups.
Evaluation Criteria:
Other Considerations
This RFP is a solicitation and not an offer to contract. CCE reserves the right to issue clarifications and other directives concerning this RFP, to make and issue modifications to the RFP timeline, to require clarification or further information with respect to any proposal received and to determine the final scope and terms of any contract and whether to enter any contract. The provisions herein confer no rights, duties or entitlements to any respondents. No reimbursement will be made by CCE for any costs incurred prior to an executed contract.
Proposal Submission
Proposal must be postmarked and by mail or hand delivered no later than 4:00 pm Eastern Standard Time on Tuesday, November 13, 2018 in a sealed envelope addressed to:
Mary Beth McEwen
Cornell Cooperative Extension Oneida County
121 Second Street
Oriskany, NY 13424
Any late responses will not be considered and will be returned unopened. Faxed or emailed proposals will not be accepted.
–Cornell Cooperative Extension Oneida County
For more articles out of New York, click here.


text:
At Carleton University, you will find a program that reflects your interests, builds your passions and prepares you for the future. Join us at Fall Open House to discover the Carleton program that is right for you and find out everything you need to apply.
Saturday, October 19, 2019
Engineering and Design
Architectural Studies
Computer Science
Health Sciences
Industrial Design
Information Technology
This event has now passed.
Saturday, October 26, 2019
Arts and Social Sciences
Public Affairs
Arts (BA)
Cognitive Science
Communication and Media Studies
Global and International Studies
Media Production and Design
Public Affairs and Policy Management
Social Work
This event has now passed.
Sprott School of Business
International Business
This event has now passed.
At Fall Open House, you and your family can:
- talk with professors and students about our exciting programs and experiential learning opportunities;
- meet experienced student services staff and learn about Carleton's extensive network of support;
- attend an information session to find out which Carleton programs you want to put on your application; and
- explore our vibrant community and state-of-the-art facilities by joining campus and residence tours.

subset: commoncrawl


text:
To maintain your home free of roaches, after the cockroach treatment is finished you will need to do a deep cleaning. Cockroaches are able to feed on a variety of materials. It is important to keep then the kitchen clean, and dry. If there are dead cockroaches, they need to be vacuumed up to prevent the living roaches from feeding on the dead ones.
Pest Photo Library
Cockroaches are insects of the order Blattodea, sometimes called Blattaria, of which about 30 species out of 4,600 total are associated with human habitats. About four species are well known as pests.
Among the best-known pest species are the American cockroach, Periplaneta americana, which is about 30 mm (1.2 in) long; the German cockroach, Blattella germanica, about 15 mm (0.59 in) long; the Asian cockroach, Blattella asahinai, also about 15 mm (0.59 in) in length; and the Oriental cockroach, Blatta orientalis, about 25 mm (0.98 in). Tropical cockroaches are often much bigger, and, contrary to popular opinion, extinct cockroach relatives and 'roachoids' such as the Carboniferous Archimylacris and the Permian Apthoroblattina were not as large as the biggest modern species.
Bedbugs are parasitic insects of the cimicid family that feed exclusively on blood. Cimex lectularius, the common bed bug, is the best known, as it prefers to feed on human blood. Other Cimex species specialize in other animals, e.g., bat bugs, such as Cimex pipistrelli (Europe),Cimex pilosellus (western US), and Cimex adjunctus (entire eastern US).
The name "bed bug" derives from the preferred habitat of Cimex lectularius: warm houses and especially nearby or inside of beds and bedding or other sleep areas. Bed bugs are mainly active at night, but are not exclusivelynocturnal. They usually feed on their hosts without being noticed.
A number of adverse health effects may result from bed bug bites, includingskin rashes, psychological effects, and allergic symptoms. They are not known to transmit any pathogens as disease vectors. Certain signs and symptoms suggest the presence of bed bugs; finding the insects confirms the diagnosis.


text:
In Riskonnect's 2016 Q3 newsletter, there is an article that begins with this statement: "Thus far, 2016 has been an exciting year because a long predicted but never realized phenomenon is suddenly and rapidly becoming a reality. I'm referring to the 30-year desire among risk management professionals to break out of the box known as 'insurable risk' and move into true risk management."
If you are still skeptical of this statement, you might be interested in a new report just issued by CNN Money on the 100 Best Jobs in America.
Coming in at #2 is "Risk Management Director!" You read that right … NUMBER TWO. So, after 40 years of struggle, we can finally break a smile that our industry has managed to push the proverbial "rope up the hill" and begin a journey of visibility and relevance that years ago appeared to be only a pipe dream. By the way, it is not a coincidence that a recent survey of CEOs asking about the #1 thing that keeps them awake at night found that "risk" was the leader by a huge margin.
So what's going on here? Why the meteoric rise in the prestige of the risk manager? Without conducting a scientific study, I'll offer a few observations gleaned from 32 years immersed in the risk management industry.
RIMS – Our industry is blessed with one of the strongest and cohesive trade associations in all of American business. The tireless work of this organization is amazing. One of the things I've noticed about RIMS is a selfless drive for excellence that focuses on maximum benefit for all members.
Thanks to the work of the Spencer Foundation and some great advances in our universities, risk management is no longer an afterthought. It is now a prestigious and sought after degree attracting some of the most talented students found on campus. For 10+ years now, college risk management programs have been raising the talent level of risk management across the board.
Now let's combine these first two observations with another quote from the Riskonnect 2016 Q3 newsletter: "As our world gets crazier and the speed of business gets absolutely supersonic, innovative organizations often find themselves on the 'bleeding edge' where bad things are bound to happen. Until now, the winners were those that got lucky and beat the statistical odds of imminent doom. But there is finally recognition by the board and the C-suite that future winners are not the lucky, but those who plan for every eventuality and manage their risks better than the other guy."
In other words, the convergence of top notch thinkers entering the risk management industry and the organization's need for innovative solutions to the dilemma of business speed makes risk management one of the most critical disciplines in all of business.
And finally, I would be remiss if I didn't mention the role of technology in this transformation. Until 8 or 9 years ago, risk management languished with the albatross of weak technology weighing it down. That changed when Riskonnect entered the fray with a whole new paradigm, allowing risk managers to move past the mundane and innovate in ways that finally brought forth their true potential.
At Riskonnect, we call it the "life change vision." It is satisfying to see CNN Money affirm that vision.


text:
Monday, April 27, 2009
Farm Team Photo
Each time my kids receive their team pictures, I always plan to scrap them right away... and then for whatever reason they end up in the "To Do" pile and then put away. This year, I scrapped them right away! (I am so proud - I just received them last week!). I found the perfect paper to compliment the colors from We Are Memory Keepers, their new MVP line. Of course, I waited a long time to buy the paper so some of the paper groups were sold out. I bought the sheets that had four different patterns on them for a 6 x 6 album and then used them behind his photo. You can't tell. Then the blue paper is double sided with the big numbers on the back - also the last sheet, but I wanted to use both sides, so I cut out a rectangle at the top part of the blue paper, flipped it over, layering the numbered side on top of the blue side, cut out a strip of the turquoise blue paper and layered it over the exposed hole. No one would ever know this lay out was pieced together!
Posted by simply susan at 8:13 AM
No comments:
Subscribe to: Post Comments (Atom)


text:
Pirate nightmare
A sunken chest with no booty!!!
If you liked this joke, and if you like our site, please use the right side RSS subscription button to get daily jokes delivered to your feed reader. Also show your love for us by using the "Like" button, or Tweet about us!


text:
1717 20th 100
|Close to Courthouse & Restaurants. Concrete Construction. Access from West bound lane of SR 60 and rear alley. Shaded parking with beautiful oak trees. Store Front Glass on first floor, private offices on second. VERO BEACH,CITY OF ORIGINAL TOWN BLK 49 LOTS 26 & 2 7 PBS 2-12
Status: A
Area: City Vero Beach
Subdivision: Original Town
Year Built: 1985
SqFt: 425
Lot Size: 13939
Listing Courtesy of: Lambert Commercial Real Estate - MLS ID: 229596
Questions about a particular property or home? Request More Information.
To schedule an appointment or showing, Call toll free 1-844-285-7710.
We are not responsible for the accuracy of the information listed above. The data relating to real estate for sale on this web site is provided here for consumers personal, non-commercial use, It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright ©2015 Regional Multiple Listing Service. All Rights Reserved Disclaimer: BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.


text:
Deleting a customer or supplier from your account
Deleting a customer or supplier from your account
With Okappy, you can easily connect to your customers or suppliers then send, receive and update your jobs and ensure everyone is aware of their progress in real time as the job is done.
However, if you are no longer using a customer or supplier, and want to delete the connection from your account, this can also be done easily from your connections page.
To delete a customer or supplier connection, simply log into your Okappy dashboard, click on the connections icon on the top right of the screen ( ) and then select View connections.
You can see a list of all your customer or supplier connections. Click on the company or individual that you want to delete. Scroll to the bottom of the screen, you'd see Remove connection
Once you click on Remove connection, the connection will be deleted from your account and they will no longer be able to share your jobs, view your vehicles or see your employee details.
You can also delete a supplier in the same way.
Note: If you are connected to a company who is both your customer and supplier, then you can delete one of the connections only so they remain as either a customer or supplier.
If you want to delete both connections, then delete the connection in both the customer and supplier connections screen.
See also: Connecting to your customer or supplier


text:
Shard Lights will return on Monday 2nd December 2019, transforming the top 20 storeys of The Shard into a colourful spectacle, visible across the capital.
This year's Shard Lights display has been designed by local schoolchildren. The light show will feature three, nine-minute sequences displayed every half hour from 4pm to 1am each evening throughout the month. The sequences will reflect the designs created by the schoolchildren, creating an exciting and inspiring visual display to light up the capital.
On New Year's Eve there will also be a unique one-off display from when the clock strikes midnight to the early hours of New Year's Day.
On New Year's Eve there will be a unique display from when the clock strikes midnight to the early hours of New Year's Day before the show comes to a close.
Look up to see Western Europe's highest light show and tag your pictures with #ShardLights.


text:
Urban Sanctuary is a safe haven for everyone willing to heal at their own pace.
Our goal is to support you in your journey. We aim to find ways for you to balance your everyday life.
Urban Sanctuary is a safe haven for everyone willing to heal at their own pace.
Our ethos
The main reason for founding Urban Sanctuary is that we have received so much help ourselves from bespoke treatments taking into consideration our needs.
Small group sizes in therapeutic classes and cosy surroundings for all of this to happen. All of our offerings promote stress reduction, better sleep and increased positive lifestyle.
We understand that all of us need to have a good balance in exercise and restorative practices. Our offering is concentrating 100% on recovery.
Welcome to Urban Sanctuary, the Nordic, boutique style space, open for everyone.
a word from the owner
As a business owner I would like to welcome you personally to Urban Sanctuary. I've worked as an entrepreneur over a decade and I've worked in the field of training and coaching for over 15 years.
- Pilates Health (2012)
- Yoga Therapist (2013)
- Life Coach (2016)
- BA Branding, MA Team Coaching (2018)
- KMI Practitioner Anatomy Trains (2018)
- Acupuncturist (2018)
- MBA Psychology in Business (2019)
– Anatomy Trains Live Dissection (Fascia) 2017
– Donna Farhi, Biff Mithoefer, Simon Low
You can book and pay up front your appointment via online booking system.
Please note! We accept only card payments at the studio


text:
What user doesn't want an awesome docking stand? Well that was ingenuity if we ever saw it! In a post on Imgur and in a YouTube video (above), the man known as 'tettzan' unveils the "Nintendo Switch 64". He modded a broken N64's cartridge slot into a Switch docking station. He also swapped out the controller ports for USB ports to be used effectively. If only he could figure out a way to make the useless Switch kickstand better too…
The Ultimate Docking Station
Technically, the Switch never lays a glove on the dock itself, which is good. No one wants scratches, though some, perhaps less careful users, have reported that it's vulnerable to damage.
"I'm planning on adding a thin box surrounding the cartridge slot and sticking a soft felt on top to make a better fit for the Switch." Tettzan wrote on Reddit.
Now…where is that ol' broken 64? Hmmm….


text:
Project Description
FSHD Global
Improving online visibility for a highly successful non-profit organisation.
Improving online visibility for a highly successful non-profit organisation.
FSHD Global is an Australian non-profit organisation that raises funds for medical research, education and awareness of facioscapulohumeral muscular dystrophy (FSHD). They were started due to the chronic lack of medical funding and awareness towards this debilitating disease.
FSHD Global Objective
FSHD Global decided that it was time for them to update their website design to something more modern, with improved ecommerce capabilities and a user-friendly events calendar. DigiGround was approached to design and develop their new website in time for their Annual Chocolate Ball. With such a high-profile event, their website needed to be easy to use and perfect across any device.
FSHD Global DigiGround Work Process
DigiGround's web designers used Adobe Creative Suite to build the client's new design from scratch. Using their brand guidelines, our designers put together a design that was contemporary, eye-catching and highlights the client's cause. It was a creative design that captures the attention of all visitors.
With the website's design in place, DigiGround's web developers added an events calendar to enable visitors and supporters to keep up with important dates. An ecommerce plugin was added to the site, allowing people to make donations directly through the website. Users can make a one-off donation or sign up to a monthly donation schedule.
After this, we adjusted the content for SEO purposes, ensuring that webpages were optimised to rank highly in search engines for keywords.
DigiGrow With Us
The entire website design, development and implementation process with the client was incredibly positive, resulting in an outstanding website that has delivered value to both FSHD Global and their supporters. The client was been great to work with, and we look forward to our next collaboration.
DigiGround provides FSHD Global with ongoing website maintenance, including plugin updates, security updates, website backups, improvements to technology and website edits.


text:
New App Helps Clients Understand Property Risks, Map Damage
EigenRisk, a startup based in Ann Arbor, Michigan, wants to help people manage risk.
The company has developed a software app called Eigen Prism, which helps building owners and others to prepare and prevent potential property damage in the event of a natural disaster such as Hurricane Harvey.
Lockton Inc., an insurance brokerage firm based in Kansas City, Missouri, is one of its first clients and was able to use the technology to work with clients affected by the hurricane, the Kansas City Business Journal reports.
The program provided Lockton with forecast reports outlining the potential damage path. Once the hurricane hit, the software automatically sent warnings to the client services team members to allow them to reach out to clients about the property risks they faced.
Once the storm hits and damage has been done, the system collects data on the damage and shifts from forecast reports to loss assessments.
The technology also has been used by a variety of real estate clients, especially those with properties on the coast that need to keep an eye on rising sea levels.


text:
watching cartoons
playing cards
making personal pizzas
eating apple pie and chocolate ice cream and whipped cream
making and eating snow candy
talking and telling stories
Hal went back on duty this morning but just got called out for his first load tonight. That's the way it usually goes. Welcome to the trucking industry. And of course we have freezing drizzle tonight so I will worry about Hal all the way to Toronto. He promised to call when he arrived so I will be able to relax and sleep. Once he is in his big truck I don't worry so much. So its going to be a long night tonight.
I made Hal take the rest of the apple pie leftover from supper with him. I don't want it in the house. I just finally made it back to my pre-Christmas weight so hopefully I'm back on the road of weight loss.
It is really going to be a late night tonight, waiting for Hal to call and let me know everything is all right. And the worst part is my alarm is set for 8 am so I can turn on the VCR. I'm sure there is a way to pre-program it but anyone who knows me knows that probably wouldn't go well.
I'm taping Tim's Canadian television premiere (although this isn't 100% true since a couple of movies he extra'd in have been on television) in Dual Suspects: Ties that Bind. Hint: Tim is the killer. I had this great idea to have a TV and popcorn party tomorrow night and invited some friends and family over to watch with me. I had to cancel the party when it turned out I had the time wrong . . . 9AM not 9PM . . . argghhhh!!!!!!
So I won't be watching the show in the morning, just taping it because I'm heading out for breakfast with some friends. Then I have about 5 million errands to run and then I have to clean the disaster which is my apartment. Right now it looks like 4 tornados have come through -- and their names are Hal, Austin, Taylor and Cameron . . . LOL . . .
Mom bought a new cell phone today. Why is this funny? She loses them. The last one ran away in just a few days. So we made some interesting suggestions to prevent the loss of this new phone. I'm taking bets on how long she will have it before it runs away . . . LOL . . .
When Hal is home I set my own projects aside so we can spend our time together. That also means setting aside the Dreaded To Do List. It comes back out tomorrow. According to the Dreaded To Do List it is December 24th . . . ooooooo perfect excuse to go shopping.
I just finished reading my second book for 2011 . . .
I have never read anything by Hemingway before. It takes him a long long long time to tell a story . . . but you don't really mind because the words are almost like listening to music . . . or watching a movie . . . because the narration is so vivid that you can picture everything and hear everything . . .
I'm now reading Too Much Happiness by Alice Munroe. I'll let you know how it is.
Good night all,


text:
With Instagrammer Chris Dwyer (@chrismdwyer), a food journalist always hungry for a story and a meal that's got one, it's his captions that captivate as much as his enviable food images. His posts, whether they be off in a far-flung land dining on something delicious or relaying his feelings on the current turbulent times, are sometimes tinged with a hint of politics, sometimes feature foodstuffs we've never before encountered, sometimes have a nod to pop culture, but they always come down to beautiful food experiences. He tells it like it is, and he loves his bahn mi and roti stalls as much as his 12-course fine-dining dinners.
Chris tells us he's had some pretty incredible food encounters so far. "Food defines us like nothing else, and I've been very lucky to tell stories on a whole world of ingredients – from pure-blood Wagyu in South Australia, which are fed Cadbury chocolate, to amazing caviar farmed near Hangzhou, to mind-blowing jamon Ibérico north of Seville, to a microbrewery in Fairbanks, Alaska. The people, produce and chefs tell so much about the place. I always try – but don't always succeed – to explain the social and cultural context as much as why it tastes so good."
When quizzed on whether he's deliberately controversial or political with his IG posts, Chris explains, "You don't have someone's attention for very long on Instagram, so I try to make it a bite-sized story. I like to make people think, so I definitely write more than you'd see on most posts. I just try to reflect what I honestly think, and how I write – if that is controversial, then great, because it's getting a reaction and isn't vanilla. I guess I was especially direct when Bourdain died, but then again, who wasn't?"
His adventurous eating schedule is constantly opening our eyes to new cuisines and dishes that have us booking our next restaurant reservations and plane tickets seeking far-off food adventures. When asked who he himself enjoys following, Chris says, "I particularly like the voice of St. JOHN, for example – it perfectly reflects Fergus Henderson and his peerless restaurant. Also travel companies, fellow writers, photographers, as well as my beloved but perennially frustrating Everton Football Club."
His social-commentary captions always lighten our day, and coupled with the images of fantastic dishes that make our heart sing, this is why Chris Dwyer is one of our fave food 'grammers (and why you should follow him too).
We'll leave you with this one:
Follow Chris on Instagram: @chrismdwyer
For more articles like this, like Foodie on Facebook


text:
This website, like most others, uses cookies to give you a great online experience. By continuing to use our website, you agree to our usage of cookies.
You can find out more about cookies and how to change your cookie preferences.
Graham Bishop is renowned for his vision and the courage to propose radical ideas, yet ground them in a mastery of the technical details of the financial system. He has been referred to as a one-man think tank.
European Commission: His influence at the meeting point of politics, economics and finance has been recognised on many occasions - most recently when the European Commission asked him to study the attitudes of investors toward the euro area sovereign bond markets. In particular, he explored attitudes towards the potential for a "common euro area safe asset": what characteristics should it possess and whether it would ameliorate any of the concerns expressed about the features of existing bond markets.
Graham's many pro bono activities illuminate and reinforce his Consultancy Services. His deep knowledge of Europe's financial system is integrated with his understanding of EU economic and budgetary policy-making – whilst set within the necessary framework of democratic accountability.
He was a member of the Commission's Consultative Group on the Impact of the Euro on Capital Markets; of the Commission's Strategy Group on Financial Services; and of the Committee of Independent Experts on the preparation of the changeover to the single currency (1994/5).
This Website, as well as Graham's Consultancy Service, is designed to bring clients the direct insights that flow from Graham's position as a leading technical analyst of economic and structural developments in the financial markets of Europe.
"Institutional investors and major financial firms now face a huge commercial challenge in Europe. The vision of political integration has entered a critical phase: ...."
"..analysis of obscure bureaucratic manoeuvrings towards fiscal union, labour mobility and tax co-ordination etc. is quite outside the comfort zone of many..."
"It is now entirely foreseeable that governments may make potentially far-reaching changes that would impact the valuation of European financial assets, as well as reforming the nature of the regulations governing key parts of the financial sector's business".
"..So the consequences of this crisis will be historic – and will reverberate around global financial markets. The stakes for participants in European financial markets could not be higher.."
Consultancy services can take many forms: face-to-face meetings, telephone discussions, written comments, speeches, special articles, customised research projects, etc.
To request more information please call +44(0)1424 777123
or email us at:
19 December 2017
As 2017 ends on a high note for economic activity, EU leaders have continued to call for the completion of banking union – a welcome decision to mend the roof while the sun is shining, rather than in the middle of the storm. However, there are many large and complex issues to be resolved to bring banking union to full fruition and the desired timescale is short.
If the EU wishes to take a small step that can be done swiftly, and without changing the TFEU, then my plan for a Temporary Eurobill Fund (more below) could even be implemented before the 2019 European Parliament elections. It would make a significant contribution to banking union by providing a "safe asset" to banks, thereby sharply cutting the `doom loop' between banks and their sovereigns, thus directly reducing the riskiness of banks. The indirect contribution from enhancing the economic goverence process would be a more fundamental, longer term benefit.
· Council President Tusk stated after the 14/15 Dec Summit that "The summit participants agreed with my proposal that in the next 6 months, the work of our finance ministers should concentrate on areas where the convergence of views is the greatest. Progressing step-by-step on issues such as the completion of the Banking Union should significantly strengthen the resilience of the EMU…. I will call the next Euro summit already in March to continue this discussion. And June could be the moment for us to take the first decisions."
· This Eurozone commitment reflected the Joint Declaration on the EU's legislative priorities for 2018- 2019 "The three Institutions agree to deliver a positive agenda for a more inclusive and more united EU we will give priority treatment in the legislative process to the following initiatives to ensure substantial progress and, where possible, delivery before the European elections of 2019 ….3 by pursuing efforts to deepen our Economic and Monetary Union, and by completing our Banking Union in a way that balances risk sharing and risk reduction;"
The TEF is a simple "plainest of plain vanilla" plan for a common institution to purchase the under-two year debt issuance of participating states. The institution would finance such purchases by issuing its own bills - matching its assets in overall volume and maturity. The TEF's legal structure would replicate the ESM. The TEF is a replacement of existing debt, rather than a mechanism to increase debt. Indeed, by fostering better economic policies, it should encourage further falls in public indebtedness.
However, the political implications go far beyond a simple financial institution because the TEF - to paraphrase Monnet's words – "fuses the interests of the Eurozone peoples" into a vital component of the Eurozone financial system, rather than seeking to balance national interests. That system needs a European-level "safe asset" to replace its existing holdings of a hotchpotch of national instruments that came perilously close to dis-integration in the heat of the Great Financial Crash.
The time is now ripe to begin implementing Schuman's dictum: take some "concrete steps... to achieve de facto solidarity"
[1] "Response to Commission Reflections on Deepening EMU: "Eurobills" as a Safe Asset that blends Fiscal Rules progressively with Market Discipline" (More in my most recent technical paper)
"Plan for a Temporary Eurobill Fund (TEF): Complementing with a strong European Monetary Fund (EMF); Satisfying the Core Principles that pave the way to a Stability Union" (More on the politics)
18 December 2017
The push is on to complete Banking Union, writes Graham Bishop, who takes stock of the progress so far and next steps, and recognises that, once the EU27 has completed this huge project, "it is difficult to see an offer of re-shaping it just to meet the wishes of British exceptionalism."
Full article available for consultancy clients
14 December 2017
This month's 136th Brussels for Breakfast debate and CPD Notes took stock of Theresa May's last-minute deal with the Commission to recommend 'sufficient progress' to begin trade talks. The endorsement of Basel III revamped rules and the upcoming MiFID II and IFRS9 packages were also topical.
More for Friends
21 November 2017
Likelihood of a no-deal on the rise: The no-Brexit option finds its way back to the table
10 November 2017
What is the Temporary Eurobill Fund (TEF)?
The TEF is a simple "plainest of plain vanilla" plan for a common institution to purchase the under-two year debt issuance of participating states. The institution would finance such purchases by issuing its own bills - matching its assets in overall volume and maturity. The TEF's legal structure would replicate the ESM. The TEF is a replacement of existing debt, rather than a mechanism to increase debt. Indeed, by fostering better economic policies, it should encourage further falls in public indebtedness. (More explanation in my most recent technical paper)
3 November 2017
Time is not on the UK's side in these negotiations: The latest ONS annual Pink Book on the UK's balance of payments shows a further deterioration of the current account to 6% of GDP (£114 billion) in 2016. The traded goods deficit was only partially offset by a massive surplus on services– mainly financial. It is this financial surplus that is so clearly at risk from an inadequate transition, but any impact on goods exports will underline the UK's precarious position as they only cover 70% of our imports.
So the UK is becoming ever more reliant on the "kindness of strangers"- in BoE Governor Carney's deft phrase. This acute vulnerability is only likely to be exacerbated by the debates on exactly what "transition" means, and how long it might last.
In the next few weeks, an agreement must be found on the divorce arrangements, or the cliff edge is clearly in sight just 511 days away. But if history is any guide, the "strangers" who are kindly funding our huge excess of imports are likely to panic well before we go over the cliff. The consequences of such a currency panic will bring Britain's electors face-to-face with grim reality.
Brexit may well not happen at all.
More for Friends
Full article available for consultancy clients
18th October 2017
The Prime Minister's golden vision of Britain after Brexit that she painted in Florence provided momentum in the separation talks as it gave a softer tone that was welcomed in the EU, but Europeans 'want their money' too and talks soon reached a blockage over the sum needed to exit the bloc.
Highlights from the "Brussels for Breakfast" meeting
"528 days until we go over the cliff" dominated the discussion… do we actually go over an economic (rather than legal) cliff or will it be more of ever-steepening slope? No-one contested the gravity of the situation and we reviewed various official warnings about the latest time when UK firms would have to hit the "re-locate" button. It will vary by a particular firm's business profile but the consensus was that irrevocable change would have to begin by the end of 1Q 2018 if no acceptable agreement was in sight. My outline of the timetable for the legal steps to agree a "transition" – see my post-Florence speech blog - seemed to be accepted as plausible. My timeline is 9-11 years before the transition would be in force… though some shortening may be possible – unless the transition is effectively to stay as we are. [...]
2nd October 2017
Graham Bishop presented his plan for a Temporary Eurobill Fund (TEF) at France Stratégie - a public research institution that depends directly on the First Minister cabinet - on 26th September.
The 1.5 hour event included vigorous discussion, enabling broad understanding that the plan could start a process of building "concrete steps... to achieve de facto solidarity" - to quote the famous Schuman dictum. The plan would follow Monnet's brilliant methodology of something that is effective and incorporates subsidiarity yet has a clear direction of travel – whilst maintaining democratic support.
The TEF is designed to build confidence and trust steadily – amongst the nations, institutions and peoples - so that the ultimate results could be increasingly notable over say the next decade, starting with an apparently small technical step: issuing under–two year maturity public debt through a common institution.
Full article
22nd September 2017
The speech today was long on the desire for creative visions on the part of EU27 leaders but short on why they should divert from the visions they set out to achieve for themselves on the 60th anniversary of the Treaty of Rome. They are increasingly clear where they want to go – and the German election on Sunday – may cement the roadmap.
What exactly is it that Britain is proposing that will make life so much better for `them' that they might wish to change course? Nine months after the "Lancaster House" speech, still not a word about practical details… just calls for a brave new unspecified world. Moreover, the calls for a new type of partnership on economics and security seem to fail to recognise the length of time that such negotiations take:
· On the EU side, such a profound Treaty might require an Intergovernmental Conference to prepare the ground – two years
· Formal negotiations – another two years??
· Unanimous ratification by all EU27 states and probably by many sub-national bodies –, especially if some countries decide on referenda – two years at least
· Converting lofty Treaty language into precise changes to the texts of EU Directives and Regulations so that all economic actors know exactly what they can/cannot do:
o Consultations by Commission with stakeholders (as part of Better Regulation Agenda) – one year
o Commission prepares vast numbers of legislative text changes – a year?
o Council and Parliament (as co-legislators) agree the exact text – another year?
o Implementation phase to allow national laws to be changed – usually two years.
· Grand total: 11 years (NOTE: EU and Canadian leaders agreed to a new trade framework in 2004 and it has just come into force … 13 years later)
So UK business – in relation to its EU trade – goes over the cliff in 553 days. Or is it 553 days + 2 years of Implementation Period. Eleven (or nine?) years later, the detailed legislation that enables them to trade in the EU will be in force. What happens in the interim?
19th September 2017
The British' ambition to reach an early deal on cross-border trade after Brexit has met a wall in Brussels: European negotiators won't unblock talks over trade before Britain secures EU citizens' rights and Northern Ireland status, and agrees to foot a bill. [...]
13th September 2017
Summary and Conclusion
o No mutualisation of debts;
o Respect for the post-crisis economic governance system (Maastricht 2.0);
o A proper role for market discipline;
o "Safe asset" to reduce the `doom loop' between banks and their government;
o Financial solidarity with states that respect the rules yet lose market access.
o No mutualisation of debts;
o Respect for the post-crisis economic governance system (Maastricht 2.0);
o A proper role for market discipline;
o "Safe asset" to reduce the `doom loop' between banks and their government;
o Financial solidarity with states that respect the rules yet lose market access.
My plan for a Temporary Eurobill Fund (TEF) satisfies these principles. There should now be further [2] examination of its mechanics as the TEF would be a "concrete achievement".
[1]http://voxeu.org/article/completing-emuby Buti, Deroose, Leandro and Giudice – July 2017
[2]This plan was examined by a European Commission Expert Group that included this author, and published its final report in March 2014. http://europa.eu/rapid/press-release_IP-14-342_en.htm
Full evidence available for consultancy clients
11th September 2017
Graham Bishop's Evidence for this Enquiry[i] focusses on the issues of "adequately aligned regulation and financial stability", given the international influence from the FSB and BCBS. It relates principally to Questions 2, 6, 14 and 15.
[i] http://www.parliament.uk/documents/lords-committees/eu-financial-affairs-subcommittee/financial-regulation-and-supervision/Final-call-for-evidence.pdf
5th September 2017
The UK media is in a frenzy about "The Price" but the EU seems far more worried about the plight of its citizens in the UK – read Barnier's speech at the press conference last week. The speech gives a very different feel from the upbeat assessment by DEXEU Minster Davis on Sunday's Marr programme. Barnier highlighted the mistake – apparently not for the first time - of the Home Office (who was the MinIster in charge for many years?) in sending deportation letters to 100 EU nationals. That former Minister (now Prime Minister) even had to apologise for this "unfortunate error".
But now POLITICO reports that the European Parliament – which must agree to the final deal – is about to publish a report with "danger zones where rights are likely to be put at risk (red). The chart was marked red for more than one-quarter of the 69 identified rights issues."
Moreover, Irish Foreign Minister Coveney was still asking very pointed questions about "How do we do that [maintain the free travel area]" at yesterday's Press conference with Barnier. Clearly, he does not feel that UK suggestions are anywhere near solving this problem.
Parliament's co-ordinator Verhofstadt is quoted as saying that Parliament will aim to vote their report by the end of September, so ahead of the formal decision by the European Council on whether "sufficient progress" has been made.
It looks as though Prime Minister May's `major statement' apparently planned for later in September may have to be a massive climb down - rather than crash over - the cliffs. Sadly, the omens are not good.
19 July 2017
The talks over the disconnection of the UK from the EU begun and the picture of the meeting showed a clear imbalance: Michel Barnier boasted about EU27 unity and brought a stack of papers; David Davis wasn't carrying any documents, but growing political dissent at home could be heard from Brussels.
11 July 2017
So far, banks have announced most frequently a move to Frankfurt whilst insurers are more widely spread – triggering complaints from some countries about a "race to the bottom" in regulatory standards.
Even at this early stage, the EU regulatory community is responding to such charges and laying out some of the obvious ground rules. The comments are no more than one would expect (and hope) from prudent regulators – but do make some of the more extravagant claims from Leave campaigners look distinctly naïve already. After all, the EU is still struggling with the aftermath of the Great Financial Crash with continuing bank resolutions and liquidations. It would not make any sense to allow a sizeable part of the EU financial system to be run by "brass plate" companies from a third country that had explicitly rejected abiding by EU standards and enforcement.
14 June 2017
UK commentators and media seem to be unaware of the solid rationale (supported by the UK on many ocassions) for the EU to feel it necessary to propose fresh legislation to safeguard its financial stability upon the departure of a major member that is home to the key parts of its financial infrastructure. British commentary views CCP location as little more than a power play to grab tax revenues and jobs.
However, this argument should be about very remote - but nonetheless thinkable - risks that might crystalise in the heat of a huge crisis. After all, the "unthinkable " happened frequently in 2007/8 so any responsible political system should carry through its commitments to global and national society to ensure its financial stability.
After the UK Referendum, can the EU27 now be certain beyond any doubt that – at the most dreadful moment of a crisis – the UK would allow the EU to "induce change" in a UK-based company? If the ECB were asked to provide multi-billions of euros of emergency liquidity for intra-day margin calls, can it be certain beyond any doubt that it would be repaid if the UK subsequently argued that the process was unreasonable or flawed?
13 June 2017
9 June 2017
The British people have rejected the hardest of hard Brexits – but what are the practical alternatives? There aren't any – except to stay in the EU.
The hard-line Brexiteers still do not recognise the economic harm they have already inflicted on Britain – with more developing rapidly beneath the surface. They will prevent the UK Brexit negotiators from putting forward a coherent policy and the two-year clock to March 2019 departure will tick increasingly loudly for commerce in Britain, raising the tempo of economic damage suffered by electors.
As the pound drops, so will the `penny' as voters increasingly experience the harshness of Brexit and realise how much they have been misled. They will demand a further referendum as the only way to give their representatives in Parliament a clear mandate for sorting out the mess – but they may also insist on a new set of representatives who tell them the truth.
The unpalatable alternatives are simple as some special `bespoke' deal now looks even more unrealistic:
10 May 2017
The EU27 leaders agreed their red lines for the upcoming Brexit negotiations while PM May announced a snap election and called for a strong mandate to secure a good deal. But the election won't change talks one bit, the EU warned, and Brussels is closing in on London euro-clearing business.
8 May 2017
The location of Central Counterparties (CCPs) seems to have become a totemic issue for the City of London in the Brexit negotiations. Indeed, the White Paper in February devoted one of its 77 pages to financial services – a sector that provides 11% of the UK's GDP.
In part, these economic benefits flow from London's role as the centre of clearing derivatives in the European time zone. The scale of these markets is almost unimaginably large: each of the euro and dollar denominated sectors are more than 50 times the UK's GDP. How much of the City's £75 billion contribution to the UK's balance of payments is attributable to this business? Despite these inflows, the current account is still in deficit by nearly £100bn (5% of GDP).
Full article available for consultancy clients here
4 May 2017
Commission VP Dombrovskis laid out some principles on CCP supervision today and there is not much need to read between any lines!
"And so it makes sense that the EU carries a certain amount of common responsibility for their supervision. This is an issue we are considering, as we further develop our Capital Markets Union and review the functioning of the European Supervisory Authorities….For third country CCPs which play a key systemic role for the EU, we are looking in particular at two possibilities for enhanced supervision: We can ask for enhanced supervisory powers for EU authorities over third country entities. Or such CCPs of key systemic importance for the EU could be asked to be located within the EU. We now need to look at these options in the impact assessment."
My comments:
o Enhanced EU supervisory powers over a UK-based CCP: Will the Leavers agree to such an oversight when it must carry with it a submission to the ECJ's jurisdiction? Moreover, the ECB's location policy statement after the Referendum made clear that the supervisor has to have the power to "induce change". The Leavers' demands to "take control" make it difficult to see this option being acceptable to the current UK Government.
o "...could be asked to be located within the EU…" seems to leave open the possibility of clearing remaining in London if it is part of the EU but if the request to re-locate is refused, then what?? It would be surprising if the Eurozone were willing to let its monetary institution – the ECB – take the risk of advancing enormous quantities of liquidity in a crisis to a CCP over which it had no supervisory power. Once the CCP's customers realise the implications, they might well prefer to deal with a CCP that could rely on emergency support in a crisis.
NOTE: these issues were discussed in detail in my report "Euro "clearing": Liability and Location" of 15h January 2017. Available to consultancy clients here; Friends here or contact email@example.com to request a copy.
25 April 2017
The tide of eurosceptic nationalism seems to have passed its high water mark: the French and Dutch people appear to have rejected it, leaving only Britain beached by the deceptions of the nationalist Brexiteers. The 60th anniversary Rome Declaration charted a way forward to greater unity of the EU, and the European Commission has undertaken to produce a Reflection Paper on "ideas, proposals and options" by end-May on the deepening of the Economic and Monetary Union.
The time has now come for the Commission to lay out a menu that includes bold steps for consideration by the newly-mandated Heads of Government in December (or March 2018). The structure and governance of the TEF – in reality – provide a comprehensive political, economic and financial plan to deepen the Economic and Monetary Union, quite apart from meeting the technical need for a `safe asset' for banks.
Accordingly, Graham Bishop has refined further his plan for a Temporary Eurobill Fund (TEF) link since it was reviewed favourably by the European Commission Expert Group[1] on DRF and Eurobills in 2013, and commends it to the Commission for consideration in its Reflections.
Full Eurobill proposal available here
18th April 2017
Her volte face suggests she does not have confidence that she can get her Brexit "deal" through the existing Parliament. So this will be the "Brexit Election" and the 48% of the voters who wanted to "Remain in the EU" will have a chance to vote for Members of Parliament who will represent their views on the most crucial subject of our generation, rather than along traditional "party lines". UK voters will be asked to engage their attention in a way that has not been required since the 1945 election created a new political landscape after World War II. PM May's gamble has opened the proverbial Pandora's Box.
11th April 2017
The B4B debate became very animated about all the implications of a - presumably co-ordinated barrage - when BoE Governor Carney delivered a speech arguing for "super-equivalence" though now in the form of "deference to each other's comparable regulatory outcomes...and open supervisory co-operation" backed by an independent dispute resolution mechanism. Curiously, the PRA sent out a letter at the same moment on contingency planning. This pointed out that EU firms operating in the UK might well come under PRA supervision and "in that case, we would need to form our own judgements rather than relying exclusively on those of others" – perhaps a contrast to deference.
The B4B debate suggests that, despite the hopes of the UK commentariat that such lofty sentiments as the Rome Declaration have no practical implications, events may yet happen that will profoundly re-shape the financial services industry in the UK.
More for Friends
Full Workbook available to CPD and consultancy clients (coming soon)
29th March 2017 - late
It is a sad reflection on how far trust in the UK's good faith has sunk already that the European Parliament feels obliged to include clause L – see below. The most likely route to making a request to revoke the "notice of intention to leave" would be through a further Referendum on the proposed exit terms – or perhaps a General Election.
If such a well-grounded request to revoke and remain in the EU on current terms were refused on purely political grounds that would represent a dramatic repudiation of the essence of the European Union. At the other extreme, if it were a disgracefully blatant manoeuvre by the Brexiteer component of the current UK government, then its refusal would be entirely understandable and appropriate.
29th March 2017
Her six-page letter stated four times that the future partnership terms should be agreed alongside those of withdrawal. The first, brief response from the European Council baldly stated "we will start by focusing on all key arrangements for an orderly withdrawal." The UK government's strategy seems to have failed to survive the very first contact with the other side.
The letter admits there will be "consequences" – as did the Chancellor this morning. These may come as an unexpected surprise to the 90% of voters whom pollsters report want to remain in the single market.
Mrs May addressed Parliament this morning:
President Tusk's response was clear "But paradoxically there is also something positive in Brexit. Brexit has made us, the community of 27, more determined and more united than before. I am fully confident of this, especially after the Rome declaration, and today I can say that we will remain determined and united also in the future, also during the difficult negotiations ahead… This means that both I and the Commission have a strong mandate to protect the interests of the 27."
The 63% of British voters who did not vote to Leave may yet force Prime Minster May to ask their permission to accept the terms that result from this negotiation.
Friends' article
Consultancy clients' article
20th March 2017
On that side is a world of safe banks lending to the real economy and partially funded by knowledgeable investors taking a modest risk. Those same investors will also be buying securities to provide an alternative source of funds to the economy – secure in the knowledge that Capital Markets Union will provide a safe market structure for their investments. The snag is that there is still quite some uncertainty about the exact location of the cliffs at the edges of the chasm. [...]
9 March 2017
Paula Martín/Graham Bishop
Following the House of Lords votes to amend the "Article 50" Bill, the "B" subject was unavoidable and discussion moved to the EU27 response. It seems that Barnier's team is in place and ready to receive its mandate and negotiating guidelines from a special session of the European Council. Then the phoney war will be over and negotiations can start in earnest. However, few thought that two years would be enough to handle the incredible scale and complexity of the talks. Indeed, it is possible that the UK will revoke its notice once the complexities and problems become fully apparent. Recent opinion polls suggest that +/- 30% want to leave the EU at any price, but more than 50% are showing reservations about a Hard Brexit. High profile speeches by former Prime Ministers Blair and Major re-inforce the growing qualms.
Brexit is but one of the factors forcing the EU to take a hard look at itself and President Juncker has now published a White Paper on five options – to inform the debate at the celebrations for the 60th anniversary of the Treaty of Rome. However, the "Big 4" leaders met in Versailles and made clear their preference for a multi-speed Europe (Option 3). For financial services, that means "incremental progress on improving the functioning of the euro area" – in other words, continue along the existing path. A May Reflection Paper will elaborate the content - after the French elections.
The Commission's Staff Working Paper on equivalence triggered a lengthy debate as it is so fundamental to the City's hopes of retaining its role as the financial capital of Europe. The omens do not seem good as the Commission is set to take a tough line in defending the financial stability of the EU27 rather than mercantilist support for the trading opportunities of London-based banks. It became very clear that an apparently-technical decision on equivalence has always been – in reality – a political one. [...]
15 February 2017
Graham Bishop addressed the Kangaroo Group Financial Services Working Group lunch in the European Parliament on 8th February. He spoke about "Clearing of euro derivatives after Brexit: a fatal blow to the City of London?" He explained this intensely technical subject in layman's terms and concluded that it is likely to be a very serious problem. His main arguments are set out in his recent paper.
Mrs Danuta Hubner – Chair of the Committee on Constitutional Affairs and Member of ECON responded. She noted that the European Parliament will receive all the information that goes to the other EU institutions and that financial services regulations will surely be the most complex issue. The EP will start serious work on the EMIR Review in March, followed shortly afterwards by the CCP Resolution proposal.
Friend's article
Paula Martín/GrahamBishop
The 'Brussels for Breakfast' debate tackled the most relevant issues this month in the EU, such as the UK Government's 'Brexit White Paper' - which provided very little further information than May's Lancaster speech and had only one page devoted to financial services.
The IRSG report on "The EU's Third Country Regimes and Alternatives to Passporting" was another 'hot topic' - the document called for the agreement of a bespoke UK-EU deal in the Brexit negotiations rather than reforming or adapting existing frameworks.
Mark Hoban and Graham Bishop discussed the Commission staff paper on "Bank lending constraints in the euro area" and a BBA report on how IFRS9 rules will affect capital requirements.
3 February 2017
The 'science and art' of financial regulation represents a difficult balancing act between sometimes competing objectives, said Felix Hufeld in an OMFIF City Lecture in London on 1 February.
Hufeld, who is president of BaFin, the federal financial supervisory authority of Germany, said part of the role of regulators is to give financial markets enough room 'to create, innovate and indeed fail'.
· Graham Bishop asks about the risks posed to investors buying bail-inable bonds in a world of supervisory discretion and unpredictability.
2 February 2017
"No plan of operations extends with any certainty beyond the first contact with the main hostile force":19th century German General von Moltke
Prime Minister May is already running into some uncertainties with her internal enemies that are causing her plans to fragment before any contact with the external enemy across the Channel: Giving Parliament a vote on Article 50; publishing a White Paper; giving Parliament a vote on the final deal, with perhaps more to come.
The White Paper does not seem to add anything to the 17th Jan Lancaster House speech – at least in the financial services sector.
Delivering a smooth, orderly exit from the EU requires transitional arrangements that will require huge and lengthy legislative activity in the EU. This could easily be the moment when "the plan" comes into contact with the main hostile force: the EU27.
More for Friends (details): link to article
More for consultancy clients: link
30 January 2017
There are several reasons for my decision to cease to participate in any way in the Forum:
Full letter
25 January 2017
Following yesterday's judgement, anyone with commercial interests in the UK must wonder if this historic `game' of having/eating cake is now over. The answer will depend on whether giving notice of an "intention" can be withdrawn. The common man would say "of course it can" otherwise why bother with stating an `intention' rather than just doing it.
The author of the article – Lord Kerr – has stated explicitly (link) that the intention can be withdrawn as, on his kitchen table, he wrote such a phrase into the draft Treaty. But he accepted the strong statement from Jean-Claude Piris – then Chief Legal Counsel to the European Council – that it was so obvious you could cancel a mere `intention' that he deleted the phrase. Last September, in an article for the Financial Times, Piris re-confirmed his strong view (link) that withdrawal is possible – naturally, only up to the point where we actually leave.
More for Friends
Full article available for Clients
24 January 2017
Paula Martín/GrahamBishop
This blog covers the key subjects since our last meeting that I hoped to cover but, as always, we ran out of time to deal with them all. As a Friend, you can watch the 19th `structured' CPD web-cast with CISI. These Notes may be read to record a further 30 minutes of `structured CPD', including a dipping into the links to the underlying stories.
Highlights from the "Brussels for Breakfast" meeting
The first meeting after the Christmas break attracted a large - and vocal – audience! Naturally, Brexit consumed half the time but we still covered some very detailed issues in banking and securities.
Opinion polls show there is not yet any sign of an upsurge in other major states wishing to leave the EU and that UK voters are unwilling to pay even a significant price for Brexit. So Prime Minister May's speech last week was dissected at some length – particularly the tactic of being willing to walk away as that weakens commercial operator's confidence in possible transitional agreements. Such arrangements cannot be assumed with any degree of confidence until late in the process. In any case, I put the argument (detailed in my Clearing paper: link for clients or request an Invoice) that the legal formalities of such a process may be lengthy.
23 January 2017
Back in the now-distant days when UK's European Commissioner Hill was in charge of financial services, his concept of Capital Market Union was widely seen as a major benefit to Britain. Now that the UK is about to serve notice of its intention to quit the EU, what is the outlook for progress on CMU?
Hill triggered a deep and comprehensive review of the post-Crash legislation with a major Call for Evidence on its functioning – as well as proposing several specific pieces of legislation. The bureaucratic machine has continued to grind forward – and will continue to do so unless there is a new political impetus to halt it in some way. The list of measures actually agreed, or progressed substantially, under the Slovak Presidency is impressive, especially the low-hanging fruit:
· The Prospectus, Shareholders Rights, Money Market Funds and Venture Capital Directives are now `politically' agreed.
· On STP securitisation, ECON has adopted its position ready for trialogue with Council this year. Eight leading European trade associations have highlighted the importance of securitisation for jobs and growth in Europe, and underlined their commitment to supporting a safe and sustainable market that serves the real economy.
· The Commission completed the endorsement of IFRS9 - applicable from 2018 but immediate adoption is "encouraged". This moves banks' loan loss provisions from an "incurred" basis to "expected". [...]
17 January 2017
Prime Minister May delivered her much-trailed "Brexit framework" speech this morning… but is it coherent and consistent? The short answer is No. The plan is riddled with inconsistencies and sets out to `cherry –pick' the Single Market – precisely what EU27 have refused to countenance as it would open the door to a complete undermining of the Single Market. This great Parliamentarian has graciously agreed to allow Parliament a vote on the final deal… but it is actually putting a cocked gun to Parliament's head: refuse the deal and we crash out of the EU in a few months' time with no deal at all. Maybe EU 27 will suddenly offer unanimous agreement to a longer ratification period once the deal is agreed. Then the deadline would fall beyond the May 2020 date for the UK's next General Election. An outbreak of democracy forced on the Mother of Parliaments by the EU!
16 January 2017
This issue of `clearing' is likely to come to a head quickly once Article 50 Notice of `intention to leave' is served by the UK . Post Brexit, Eurozone Member States are likely to be very concerned about capital market activities denominated in euro that – in a crisis – could create liabilities for their taxpayers. At that stage, UK-based financial firms will not be subject to EU law and therefore outside the ECB's ability to enforce any necessary managerial change – unless the UK agrees to surrender control to EU institutions. Prime Minister May could well rule this option out in her widely-trailed speech tomorrow.
· However, it is very disturbing to an outsider that, eight years after the Lehman crash, there are still good grounds for concern in a systemic crisis.
· The magnitude of the risks are extraordinary: The key interest rate contracts cleared in the UK are more than 50 times UK GDP, and 10 times the Eurozone's GDP.
· Does the EU27/ECB need to "do" anything further about Brexit? The ECB's post-Brexit re-statement of its "oversight policy" provides a powerful analysis – implicitly - of the post-Brexit situation.
· A major loss of derivatives business could worsen the UK's balance of payments deficit by a third from its current record deficit - even at modest profitability levels for the derivative book.
Consultancy clients: click here for the full 22-page report
Friends: click here for the Summary. (The full 22-page analysis is available to Friends by upgrading your subscription to include the Securities category here. Then click here and download the PDF. In the event that your purchase does not allow immediate access, please contact us)
Direct purchase: purchase a personal copy by requesting an Invoice – Price €20 + VAT.


text:
Wine Note
Ktima Biblia Chora 'Ovilos'
A stunning Greek white, it's an oak-aged blend of Semillon and Assyrtiko from the Pangeon region. A lovely aromatic nose of lanolin, honey, spice, nuts and ripe lemon; honeyed and textured with nutty oak and spice, and fresh citrus throughout. Almost smokey on the long finish, a seriously good wine and one to surprise your guests with!


text: We believe we're hard-wired for relationships. And we're committed to moving from 'rows' on Sunday mornings to 'circles' the rest of the week, where we can know and be known, become disciples of Jesus, and be encouraged through a diverse, authentic community. Whether its around the dinner table, at a coffee shop, or on the mountain trails, we know there's a place for you at McDowell.


text:
Notify me when available
This exquisite amethyst pendant measures 9mm x 7mm and is gorgeously faceted, held in a Sterling Silver four-claw setting, and suspended from our finest Sterling Silver woven spiga chain. Amethyst makes a thoughtful present for someone born in February, or as a anniversary gift in celebration of the 6th year of a wedding or civil partnership. Complete the look with our Amethyst Cocktail Earrings.
The pendant was designed in London and has been handcrafted using traditional lost wax casting, before being hallmarked by the London Assay Office. Please read our Jewellery Care guide to make sure your piece of handcrafted jewellery lasts for many years!
Solid Sterling Silver and amethyst.
The amethyst measures 9mm x 7mm.
Your choice of chain length.


text:
Invest in quality, fit, and style with luxury men's denim from 7 for All Mankind. Our jeans for men take denim to the next level of style while remaining comfortable and dependable. Discover how men's blue jeans made with authentic denim can make you look and feel with 7 for All Mankind.
- + QUICK VIEW$119.00 $195.00closeThe Straight in Dark Authentic Canon$119.00 $195.00Style Number : AT121190Size
+ QUICK VIEW$119.00 $195.00closeSlimmy in Dark Authentic Canon$119.00 $195.00Style Number : AT511190Size
- Straight fit
- Tapered leg
- Contrast threads
+ QUICK VIEW$129.00 $199.00closeSeries 7 Skinny Ryley with Clean Pocket in Diplomat$129.00 $199.00Style Number : AT0175204PSize
- Slim fit
- Straight leg
- Contrast threads
+ QUICK VIEW$129.00 $225.00closeSeries 7 Slim Slimmy with Clean Pocket in Rinse$129.00 $225.00Style Number : AT511204PSize
- Skinny fit
- Whiskering
- Copper hardware
+ QUICK VIEW$129.00 $210.00closeLuxe Performance Slimmy in Status Quo$129.00 $210.00Style Number : ATA511831ASize
- Slim fit
- Straight leg
- Tonal threads
+ QUICK VIEW$129.00 $225.00closePaxtyn with Clean Pocket with Side Seam Piping in Mateo$129.00 $225.00Style Number : ATP185319PSize
- Straight fit
- Slim leg
- Whiskering
+ QUICK VIEW$139.00 $225.00closeVintage Straight in Heritage Indigo$139.00 $225.00Style Number : AT1905A329Size
- Skinny fit
- Lean leg
- Tonal threads
This button-fly jean has a high-hitting waist, straight leg, and an easy, relaxed fit. We gave it an indigo wash and our signature "A" back-pocket embroidery in contrast threads for a distinctive, vintage look. Made from our famously soft denim with a touch of stretch, this pair promises all-day comfort.+ QUICK VIEW$159.00 $210.00closeLuxe Sport Slimmy with Clean Pocket in Fairfax$159.00 $210.00Style Number : AT511052PSize
+ QUICK VIEW$168.00 $210.00closePaxtyn with Clean Pocket in Coated Blue Steel$168.00 $210.00Style Number : AT0185315PSize
- Slim fit
- Straight leg
- Hand sanding
+ QUICK VIEW$178.00closeSlimmy Slim Straight in Dark And Clean$178.00Style Number : ATA511380SizeSlim Straight Leg , Slim from Top to Bottom, Slightly Tapered Leg, Zipper FlyView Full Details+ QUICK VIEW$178.00closeSlimmy in Hillside$178.00Style Number : AT511922APSize
- Skinny fit
- Lean leg
- Tonal threads
Our popular Slimmy jean offers a modern slim fit from hip to hem, for a look that's streamlined but not too skinny. Crafted from our signature premium denim, this pair has the perfect amount of stretch for all-day wear.+ QUICK VIEW$178.00closeAustyn Relaxed Straight in Hillside$178.00Style Number : AT046922APSize
Our Austyn jean is designed for an easy fit and laid-back look, without being baggy. Crafted from premium denim with a hint of stretch for comfort, we gave this style an authentic medium-blue wash, fading the leg for a lived-in effect.+ QUICK VIEW$178.00closeBrett Bootcut in Los Angeles Dark$178.00Style Number : ATA122380Size
+ QUICK VIEW$178.00closeAustyn Relaxed Straight in Los Angeles Dark$178.00Style Number : T0046380SSize
- Bootcut
- Whiskers
- Gold hardware
Our relaxed Austyn fit is designed for an easy fit and laid-back look, without being baggy. Crafted from premium denim with a hint of stretch for comfort, this style is a perfect work-to-weekend option in a dark wash, carefully hand-sanded for extra dimension and with antique nickel hardware.+ QUICK VIEW$178.00closeStandard in Los Angeles Dark$178.00Style Number : T519380SSizeOur Standard jean has a true straight leg shape for an easy fit throughout. This pair—one of our consistent best-sellers—is crafted from our signature premium denim in a rich indigo wash, which we've lightly hand-sanded and grinded at the hems and pockets for a relaxed, lived-in look.View Full Details+ QUICK VIEW$179.00 $295.00closeVintage Straight Selvedge Jean in Canal$179.00 $295.00Style Number : AT1955B379Size
Our Vintage Straight jean captures that "classic American denim" look with a high-hitting waist and an easy, straight leg. We've crafted this pair from Japanese selvedge denim for a rugged look, finishing it with a round of distressing at the knees and around the pockets.+ QUICK VIEW$179.00 $250.00closeAdrien Slim Taper in Black Marble$179.00 $250.00Style Number : AT1651Z056Size
Our Adrien fit is designed with a mid-rise and a slight taper through the leg for a slim look from hip to hem. We cut this pair from our signature premium denim, stone-washing it for a subtly marbled texture and finishing it with tonal stitching and matte black hardware. The result: an edgy jean that can be styled casually with your favorite graphic tee or dressed up with tailored pieces.+ QUICK VIEW$179.00 $250.00closePaxtyn Skinny in Gray Marble$179.00 $250.00Style Number : AT1851Z435Size
Our modern skinny fit creates a lean, tailored look. We cut this pair from our signature premium denim, stone-washing it for a subtly marbled texture and finishing it with tonal stitching and gunmetal accents. The result: an edgy jean that can be worn casually with a favorite tee or dressed up with tailored pieces.
Viewing 1-72 of 135 products
Men's Jeans Fit Options
The key to great fitting jeans is choosing designs that work for your body and your sense of style. We give you four fits so you can always find a pair that suits you:
- Skinny. Sleek, lean, and close-fitting for a flattering fit.
- Slim. Fashion-forward slim jeans are designed with a little slouch to add comfort to your good looks.
- Straight. Streamlined, classic straight jeans.
- Relaxed. Elongates your shape and balances your proportions for smooth and suitable look across the board.
Denim Jeans for Men in Masculine Styles
We offer men's jeans in a variety of styles that incorporate our different fits. Choose from our seven signature styles to achieve the look you want:
- Paxtyn. As our skinniest men's jean, the Paxton is lean, tailored, and edgy.
- The Straight. This style features a tapered straight leg for a modern and refined look.
- Brett. A slimmer version of the traditional bootcut, the Brett offers a comfortably cool vibe.
- Adrien. Slim and sleek, the Adrien offers maximum versatility for styling your way.
- Standard. As the name suggests, this jean is a classic, offering a straight leg and a comfortable fit at the waist and hips.
- Slimmy. Cut close, but not too skinny, the Slimmy is the go-to for an everyday tailored look.
- Austyn. This relaxed style provides plenty of leg room and a little slouch for a laidback feel.
Quality Fabrics
To most people, denim is just denim. But at 7 for All Mankind, we redefine what denim means by offering innovative fabrics in four different configurations:
- Total Twill. A lightweight and breathable Japanese fabric that's both soft and slightly stretchy.
- Luxe Sport. A fiber mix designed to give denim more flexibility and mobility for an athletic feel.
- Luxe Performance. A high-performance fabric from Italy that's brushed inside for an unparalleled level of softness in denim.
- Airweft. A hollow-fiber denim from Japan makes durable yet light jeans.
Built to Last
We understand the importance of a proper fit and quality denim. Using carefully sourced materials and durable construction, we make jeans to stand up to the wear and tear of daily life without losing their fit or polish. Whether you prefer men's dark wash jeans, a subdued grey wash, a worn-looking fade, or classic blue jeans, you can count on heritage denim from 7 for All Mankind to deliver incredible durability for long-lasting wear.
Explore our full selection at 7 For All Mankind, and find the perfect pair of men's jeans for your style, and check out our men's jeans sale for killer deals on our popular looks.


text:
The end of year tax-deductible donation letters went out in the mail last week. If you donated to Third Chance Ministries in 2013 and you've not yet received you letter, then be on the lookout for it soon. We could not have done all that we did in 2013 without your support–your support of us with your prayers, your support of us with your generous donations, and your support of us with your voice when you shared our newsletter with others and invited us to come and speak to congregations and groups with which you are affiliated. The past year was an amazing success and an incredible adventure to take with you and we not only give thanks for what has passed, but also we wait with eager anticipation for what is yet to come in 2014.
In 2013, the staff of Third Chance Ministries expanded to include three new staff members. In January of 2013, we added Bruce Hopson to our staff as a Missionary to the Northside of Danville. In July of 2013, we added Ben Wright at our Missionary to Downtown Danville. In August of 2013, we added Tracy Gwynn as our Administrative Assistant. These new staff members are changing the neighborhoods in which they live and serve by developing new, indigenous leaders, advocating for justice in their midst, providing pastoral care and active listening, feeding and clothing those most in need, and providing hospitality out of their own homes and spaces. With your support, we are having strong, positive impacts and seeing results from our deep engagement and investment in these areas of profound need. Around our missionaries, we're seeing communities spring up and neighborhoods that are contributing from their own limited supplies in order to be a part of the ministry that is going on in their midst.
In short, because of the movement of God's Spirit, because of your support and generosity, because of the willingness of missionaries (both paid and unpaid), and because of the support of Grace and Main Fellowship and its ministry, the Kingdom of God is moving in unexpected and lovely places.
Slightly over 85% of donations made to Third Chance Ministries were made by individuals and families–many of whom are committed to being "sustaining partners." It is because of our sustaining partners, that we were able to bring on additional staff this year to focus in the areas where have focused. Becoming a sustaining partner is simple: call, email, or write Joshua (3CM's Executive Director) and give him an estimate of what you'd like to donate over the next year and how often you plan on writing a check (or having your bank automatically write one). By doing this, you allow us to budget based on your generosity and to make some predictions about the next few years. Most of our supporters do this already with some writing monthly checks and others writing one check a year.
A little over 14% of donations made to Third Chance Ministries in 2013 were made by congregations, organizations, and businesses who have seen the work we're doing and want to be a part of it. Some of the congregations connected with us have seen growth among their leaders by being involved in our hands-on and deeply personal way of doing things. By being involved with Grace and Main Fellowship and Third Chance Ministries, these organizations are entertaining brave discussions of what it means to be a missional organization in the 21st century and we are glad to have them as partners with us. We're also glad to partner with your congregation or organization. Just call, email, or write us and let us know that you'd like for one of us to come and speak to your organization or to sit down and discuss ways we can partner together.
Here's a few of the things that we did in 2013 that you were able to join us in doing by your generosity:
- Organized and developed a "tool library" to provide lawnmowers, weed whackers, hand tools, personal protective equipment, and a workshop to those who would use the tools to find work and to earn a living. It's used nearly every day of the year.
- Grace and Main's Roving Feast, with the assistance of Third Chance Ministries staff members, provided over 6,000 meals downtown and on the Northside on Tuesday and Thursday afternoons
- Grace and Main's Wednesday morning Northside breakfast provided over 2,200 meals on Wednesday mornings under the direct leadership of Third Chance Ministries staff. We're hoping to start a downtown Wednesday morning breakfast in 2014.
- Our Northside community coffee pot provided over 750 gallons of coffee in the cold times of 2013, while we passed out even more water, kool-aid, and lemonade on the hot days. We're hoping to start a downtown community coffee pot in 2014.
- Our Community Artisan Fair organized local artisans and craftpersons to provide local, alternative gifts for those who were buying Christmas presents.
- Develop dozens of new relationships, while maintaining the ones we already had, with the homeless, near-homeless, poor, addicted, and hungry


text:
hungryhouse.co.uk has today become the first online food ordering platform in the UK to be fully integrated with popular city guide app Foursquare, with the help of mobile commerce startup Button, in the first of many ventures between the two.
The online food ordering platform will now be featured in Foursquare, showing the option to link directly through to the platform so consumers can order their favourite dishes and find new local restaurants through recommendations and reviews left by those who recently visited them.
Foursquare, which has been around since 2009, learns people's preferences and recommends similar restaurants that have been recommended by friends, brands, or other people in the Foursquare community., People can also search for places nearby, making finding their favourite takeaway easier.
hungryhouse is the first within their holding company Delivery Hero, the largest online food ordering network in the world, to integrate the service which will later roll out across other countries with the group.
Following the efficient implementation from the partnership with Button, they are also the first in the UK takeaway industry, valued at £4bn, ensuring they remain 'the easy way to takeaway'.
hungryhouse.co.uk Product Owner, Jordan Lunetta, comments: "Partnering with Foursquare will help us achieve our goal of providing the broadest on-demand access to high quality food., while building our brand awareness in the UK and the rest of the Delivery Hero network."
"We've built out our tech stack and mobile apps to be very flexible, which enabled us to leverage the Button technology and easily integrate into the Foursquare platform."


text:
Please register or log in.
If you're a new user
If you're a returning user
Oops, something went wrong!
Simple exercise to practise Past Simple forms. The objective is to write the appropriate past form of the given in brackets verb. This is a fun activity and I hope you'd enjoy it :)
Good day!
Upload date: 2017-07-12 21:32:34


text:
Dumpster Rentals in North River, NY
When you're researching dumpster rentals in North River, NY, we know that you aren't just looking for the lowest price, but for an affordable price coupled with good value. Choose Casella to provide your dumpster rentals in North River, NY, and you'll receive affordable, professional service that's sure to help assist your project's timely completion. Whether you need a dumpster rental for a home renovation, clean up project or for a worksite, when you're researching reliable, affordable dumpster rentals in North River, NY, no one compares to Casella.
Casella Dumpster Rentals in North River, NY: High-Quality Service, Affordable Pricing
At Casella, we never stop working to provide you with the best possible level of customer care while making sure that you get the most value for your dollar. It's a less complicated way to get accurate dumpster rentals in North River, NY.
We'll go out of our way to understand the logistics of your project, before making a suggesting one of our dumpster rentals, to better guarantee that you receive the bin and price quote best suited to your needs. Call right away to learn more about Casella
Ready to get started? Simply fill out our online form or call us today at 518-636-4423 to find out more.
Casella also offers temporary services ideal for waste collection as a result of construction, remodeling, house and basement clean-outs, special events or any other short-term project. We take pride in providing outstanding service over the last 40 years, not only for our customers, but for the environment and the communities in which we work and live. We're also responsible community members, protecting environmental resources, developing our people, and working to improve where we live and work.
- Customizable container sizes to fit your job.
- Dependable, on-time pick up and delivery.
- Safe, environmentally responsible service.


text:
Jen Houle
Sponsored By
Family, Friends Hold Vigil In Stillwater For Missing U Of M StudentThis weekend's disappearance of a sorority member is being felt not only around the University of Minnesota campus, but also in her hometown of Stillwater. Jennifer Houle, 22, was last seen leaving Blarney Pub in Dinkytown at around 1 a.m. Friday. Her purse was found about three blocks away.


text:
Guacamole is a dinner host's best friend. It's always a crowd-pleaser, takes almost no time to prepare, and staves off appetites long enough for you to get things done in the kitchen without feeling rushed. It's also easy to present in an appealing way; the vibrant green of the avocado just needs a clean white bowl to really set it off.
Guacamole can also, however, be a little predictable. Sure it's satisfying and delicious, but we all know what to expect. So why not get a little playful? Avocado has a mild enough flavour that you can pair it with practically anything and it will work. And since summer is a time for bright, exciting colours and beautifully sweet and ripe fruit, it's a great place to take your inspiration from.
I've had fruit guacamole in the past, but I wanted to do a combination I had never seen before, something to make my dinner guests gasp with surprise and delight. Enter the pomegranate. It's sweet, it's colourful, it's got an unexpected crunch at the end – and to me, it denotes the finer things in life. One does not see pomegranate seeds appear at every meal.
That being said, I've always been a little bit intimidated by pomegranates. Their innards are so wonderful and sweet, but who knows how to get those things out, am I right? They sell the seeds at the store for outrageous prices, so it must be difficult, no? Pfft. De seeding the pomegranate for this recipe took all of 3 minutes. It would have taken less if I was more practiced, I'm sure.
Here's what you do:
- Take a knife and slice around the middle of the pomegranate, just enough to cut through the skin.
- Break it in half with your hands, and then just kinda stretch open each half to loosen the edges.
- Flip one over (with a bowl underneath to catch the seeds), grab a wooden spoon, and smack that thing! The seeds just fall out. How cool is that?!
- Once you get practice at it, they should all come out no problem. I had to go in after and just pull a few out, but i can hardly complain. So there's no excuse now – get smacking!
Pomegranate Guacamole with Cherries and Mint (serves 6)
~ Gluten free, grain free, nut fee, soy free, refined sugar free, vegan ~
- 3 ripe avocados
- seeds from 1 pomegranate (approximately 1 cup)
- 10 cherries, pits removed and chopped
- 1/3 cup red onion, finely diced
- 1/4 cup mint leaves, chopped
- juice from 1 lime
- sea salt and black pepper, to taste
- a few pinches red chill flakes (optional)
- In a medium mixing bowl, mash the avocado with a fork. It doesn't need to be completely smooth, but get rid of any huge chunks.
- Gently fold in the pomegranate seeds, chopped cherries, and mint leaves, then add the lime juice and seasoning.
- Mix well.
- Serve immediately with tortilla chips or these awesome lentil chips. You can prepare this a couple of hours ahead if you need to, but make sure to tightly cover it with plastic wrap, pressing the plastic right up against the guacamole to avoid browning. Refrigerate until ready to use.


text:
Do you need Local skilled painters for your home or apartment? We invite you to take advantage of our high quality work. We offer: Pressure Washing cleaning Thorough and complete surface preparation: Multi-Color Schemes: Custom Sprayed finishes: Lacquer/Staining/Varnishing: Acoustic ceiling and: wallpaper removal/ Retexturing: Faux Finishes: Mildew-Removing-Cleaning Proof Coatings Specialty Coatings: Kitchen-Bath Cabinets Refinishing-Installers: house inside outside colors, Color Consulting.
Interior home painting can be done effectively year-round, no matter the weather outdoors. We select premium paint for all jobs; however we are always willing to discuss your preferred brands. We will also consult on the most appropriate finish for a room's walls and trim. backfilling.
See More Jobs Below
We are Available NOW For Your Job»» FREE Estimate Call 24x7 TOLL FREE 866-643-8662.
|Bathroom Services
|Deck Services
|Cultured Stone
|Basement Services
|Entrance Services
|Brick Services
|Carpenter Services
|Erosion Control
|Concrete Services
|Flooring Services
|Fence Services
|Fireplace Services
|Garage Services
|Garden Structures
|Stucco Services
|Home Addition Remodel
|Stone Masonry Services
|Kitchen Services
|Outdoor Lighting
|Land Clearing
|Outdoor Kitchens
|Painting Services
|Outdoor Fireplaces
|Porch & Screen Room
|Patio Services
|Siding Services
|2-Story Add-on
|Sunroom Services
|Pool Landscape
|Tile Services
|Swimming Pools
|Swimming Pool Decks
|Sprinkler Irrigation


text:
FOOD AND HEALTH: Migraine in Women
Headaches are tolerable and easily treated with analgesics or just plain rest or sleep. However, when it comes to migraine, Ouch!! This one is intolerable, at least to me, and characterized by throbbing or pulsating pain usually only in one side of the head (unilateral) and lasting from 4 to 72 hours, nausea and vomiting, and increased sensitivity to light and/or sound. According to Wikipedia, migraine is a neurological syndrome characterized by altered bodily perceptions, severe headaches and nausea. The most common migraine triggers include stress, menstruation, skipping meals, too much caffeine, certain foods (example, those with msg or certain seasoning), sudden change in sleep patterns, smoking, changes in hormone levels, weather changes, and travel.
But do you know that the ratio of women to men suffering from migraine is 3 to 1? Significant evidence showed that there may be a connection between migraines and fluctuations in estrogen levels in women-- a response of the central nervous system to normal hormonal fluctuations. Women usually experience their first migraine at the onset of menstruation during their teen years. However, they could be experiencing plain headaches and not necessarily migraine. Menstrual migraine occurs during the periods 2 days before up 2 days after the onset of menstruation and most frequently on the first day of the period while premenstrual syndrome (PMS) related headaches usually end with the onset of menstruation. The highest incidence of migraine in women occurs around age 40 and the frequency is reduced when the woman is aging or has reached menopause.
The following are the triggers of migraine for women:
1) Hormonal changes particularly around menstrual cycle
2) Use of oral contrceptives
3) Hormonal changes during the first trimester of pregnancy
4) Use of exogenous estrogen for menopausal women
There is no cure for migraine but the initial treatment would be analgesics, however, sometimes ineffective. If taking oral contraceptives, the doctor may advise you to stop it. But some women find migraines are alleviated after starting oral contraceptives while others find migraine attacks gets worse when taking them. There are also instances where migraine starts to reduce months after stopping oral contraceptives. Therefore, there is no over-the-counter cure for migraine in women. The best thing to do is consult your ob-gyne. Also, it is wise to consider that there may be other factors beside that for women that triggers your migraine, like stress, jet lag, smoking, or sleep disorders.
Other Sources: http://womenshealth.about.com/cs/headaches/a/migranes1.html


text:
Resident Bot
Senior Member
Contributing Member
Registered Member
- Joined
- Nov 1, 2016
- Posts
- 4,970
- Reaction score
- 314
- Location
Studying the three-dimensional structure of DNA and its dynamics is revealing a lot of information about gene expression, expanding our knowledge of how cells, tissues and organs actually work in health and disease. Properly producing and managing this large amount of data is both challenging and necessary for the progress of this field. In a perspective paper published in Nature Genetics, top researchers call for unified standards and suggest guidelines in this emerging and promising research area.
Continue reading...
Continue reading...


text:
WEIGHT: 55 kg
Bust: Small
One HOUR:150$
Sex services: Trampling, Hand Relief, Facial, Pole Dancing, Uniforms
You wants meet Hot Japanese Lady? Please call to me and will you be very happy.. Vip High Class Company for real Gentlemen. This escort is only available if you come to Amsterdam and have your holidays there.
She only travels nationally in Netherlands. Hello gentlemen I'm the warm side so. I am a young sweet girl with a HOT body. My sweet lips is waiting for you to get in touch. Hello gentlemen I enjoy meeting interesting. I'm Luisa, a horny spanish with a hot temper. I have a beautiful sexy body with a horny firm buttocks and juicy. My name is Vanessa.
I am well educated, intelligent and always well dressed for any occasion. If You are a gentleman looking for something really special and a little different, some adventure and eroticism to help. Your elite escort in French Riviera. I am based in Monaco but I can visit you in Nice and all. Carolina international based Moscow companion, escort for Vip wellmannered man. I consider myself as real woman, with perfect.
Isabelya is independent. She is a graceful, articulate, tempting lady. I am an independent Hong Kong escort based in Monaco and. Hello gentlemen, my name is Celine. I am an elite courtesan, a vibrant and sophisticated beauty with elegant forms. Hello, I am Angela!
Young Russian sexy model with soft skin and long legs. I love sex and party! I can make u evening unforgettable! Amalia est la chose que vous cherchiez lorsque vous recherchez l'exprience amie idale.