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Shoujo Grand Summoning Chapter 257: Another 1 hit kill
Black crystals designed in a wing esque motif, the longbow is transparent and there were little lights twinkling inside the body as if they are tiny stars that lit up the night. Anyone who saw the bow would probably describe the bow as elegant, beautiful and downright charming.
Kakine Teitoku flinched at the sight of the sheer luster of the longbow. His eyes can't move away from the longbow, he almost dropped the dark orbs in his hands because of his lack of attention.
The true MVP in his last fight against the archangel, Meteor Storm.
Lifting the bow he slid his finger across the body of the longbow. Meteor Storm is a very exquisite weapon, even though he is the owner, he had the urge to bring it out to gawk at every day.
He looked at Meteor Storm and turned towards Kakine Teitoku.
"Hey, do you know? I had a bit of a headache at the thought of fighting you.
Kakine Teitoku flinched and turned his attention away from Meteor Storm. He grinned at Wu Yan.
"What's the matter? Suddenly regretting the decision to fight me? Alas, do you think I am going to let you go just like this?"
Wu Yan shook his head after glancing at Kakine Teitoku. He replied.
"Your Dark Matter can create material that never existed in the first place, your power allows you to create these kinds of materials and manipulate the chemical and physical properties of these materials."
Kakine Teitoku frowned as he coldly stared at him. He was confused, he didn't know why he is explaining his power.
"Creating something that didn't exist, giving it properties and manipulating it allowed you to attack, defend, fly, and even create storms, shockwaves, and lasers. It's nigh-omnipotent if viewed from a certain perspective…"
He started feeling a bit annoyed that he analyzed his ability to this extent. He even felt a bit anxious.
Ignoring the anxiety and annoyance boiling up within him, Kakine Teitoku scoffed at him.
"Well, somebody did his homework. That is correct, my Dark Matter is very powerful, even knowing all that, how, I ask, will it help you? Psychological attacks? Let me tell you first that you're bound to fail!"
"Dark Matter is indeed powerful…"
Kakine Teitoku turned dark when he heard Wu Yan. It's clear from his face that Wu Yan didn't want to talk to him.
Kakine Teitoku got mad and threw his dark orbs at Wu Yan.
The dark orbs drew a fiery trail like mini shooting stars, even if they don't look big enough, their power definitely can blow a person to smithereens.
Wu Yan didn't take the dark orbs seriously, he called forth a wave of iron sand. He molded the iron sand into multiple iron sand swords. The iron sand swords were aimed at the dark orbs.
The iron sand swords were fired in two batches against the incoming dark orbs. When the two sides collided, it was like a fight between two large armies, even if one side only had two orbs against a sea of iron sand swords.
Despite the numerical advantage, the two dark orbs slaughtered its way through the army of iron sand swords. Everywhere they went, the iron sand swords got demolished.
The iron sand swords didn't stand a chance at all, the number steadily decreased as the dark orbs made their way over to Wu Yan. The iron sand swords were returned to their original state of iron sand when touched by the dark orbs. The dark orbs looked like they were invincible.
If the dark orbs were like rolling death machines, the iron sand swords would be like an army of ants that is going to kill an elephant with their sheer number. Although a lot of ants are going to die going after these 2 behemoths, the ants are relentless in their numbers.
The two elephants started losing strength against the army of ants. Even though countless ants died in the process, the incoming ants gnawed on them, slowly bringing them down to the ground.
Finally, the death machines lose momentum and stopped.
The ants that defeated the elephants also earned a pyrrhic victory.
At the end of it all, only the two owners were unharmed in this confrontation. They stared at each other, one of them had a very calm face while the other looked very upset.
Wu Yan grinned and his golden eyes examined the layer of Dark Matter covering him.
Wu Yan asked him.
"Kakine Teitoku, do you know why I am so talkative?"
He didn't let Kakine Teitoku answer, he continued with a line that almost made Kakine Teitoku broke out in laughter.
"That's because there's not much I can do against your Dark Matter…"
Wu Yan shook his head with a helpless expression.
"Even Mugino Shizuri's Meltdowner and my railgun can't do anything against your Dark Matter. Oh, woe be me, what can I do against such an opponent?"
When Kakine Teitoku heard Wu Yan, his expression turned sour, why was he so afraid of his railgun.
Kakine Teitoku's sour expression didn't escape Wu Yan's eyes. He grinned.
"It seems somebody got screwed real hard by Mikoto's railgun last time…"
Wu Yan lifted his longbow and continued with a nonchalant attitude.
"This bow, Meteor Storm is my ace up the sleeve. I didn't think I would need to use it two times within such a short span of a few days."
"This is all so amusing…"
Wu Yan laughed and he turned back towards Kakine Teitoku who kept changing his expression. He drew a cold sneer.
"You must be wondering, why is this guy so chatty?"
Kakine Teitoku flinched and frowned. Wu Yan had a cheeky grin.
"That's because I was trying to divert your attention away from the fact that I am bringing you further away from the ground!"
Kakine Teitoku was surprised by this revelation. He looked at his feet and saw a small layer of iron sand lifting him up from under his Dark Matter.
An arrow made out of starlight started forming…
"The railguns, iron sand, analysis of your Dark Matter, it was all a ruse to bring you high up into the sky!"
His clear voice was accompanied by radiant starlight that borderline blinded people. A terrifying vibe hit Kakine Teitoku and he could sense that it came from Meteor Storm, the aura had him in a vice.
"That's because…"
He slowly adjusted the arrow to aim it at Kakine Teitoku who is already starting to turn pale.
"My Meteor Storm could destroy the Academy City if I don't take proper precautions, you see."
The next instant, a meteor came out of the bow and it pierced through space, the land and sky, and Kakine Teitoku's frail body…
When Kakine Teitoku realized what's going on, his Dark Matter had been pierced through just like his chest, leaving a huge gaping hole.


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An All Aussie Pig Steals 18 Beers from Campers, Gets Drunk, Fights Cow
An All Aussie Pig Steals 18 Beers from Campers, Gets Drunk, Fights Cow
We all know the endless stories about Australia with it's crocodiles and snakes, however now we have to add another threat the beer guzzling pig!
At a camp spot in Western Australia, a feral pig took then guzzled down 18 beers that had been left out improperly secured. Just like anyone after 18 beers in at an outback pub, the pig got so pissed that it decided to start a fight with a cow, resulting in the cow chasing the pig around a car.
"In the middle of the night these people camping opposite us heard a noise, so they got their torch out and shone it on the pig and there he was, scrunching away at their cans" said a visitor.
The pig was later reported sleeping his hangover (and shame of trying to take down a cow?) off under a tree.
While feral pigs are considered an invasive pest in many parts of the country, it's also a reminder to keep food and drink secured when camping.

subset: commoncrawl


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Daryl Cagle, 10/8/2008 [Archive]
The daily editorial cartoonist for MSNBC.com,Daryl Cagle, will discuss with words and artwork the sometimesseemingly irreverent and provocative role of editorial cartoonistsin capturing and dissecting issues and events in politics. Mr.Cagle's recently published Big Book of Campaign 2008 Cartoonswill be available for sale at the event and he will sign booksfollowing his presentation. The event is free and open to thepublic, but advance registrationis required.
TARGET="_blank">CLICK HERE TO REGISTER
Drawing Politicsis part of the University of Virginia Center for Politics NationalSymposium Series of 2008, titled Not Taboo at Our Table! Race,Religion and Gender in American Politics. The Center forPolitics launched the National Symposium Series in 1999 to explorecurrent and relevant issues in American politics. For questions,contact Megan Davis at email@example.com 434-243-3539.
This event is co-sponsored by the HREF="http://www.centerforpolitics.org/" TARGET="_blank">Universityof Virginia Center for Politicsand the Universityof Virginia Miller Center of Public Affairs.Download Daryl Cagle's color photo - Download Daryl Cagle's black and white mug shot photo


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Top 11 Herbs and Essential Oils for the Skin
More and more brands are introducing products that claim to be made out of natural and chemical-free ingredients. However, one must carefully look into the ingredients section to see if the products are what they claim to be. To have healthy and glowing skin, you must use homemade, natural herbs and essential oils. The below-mentioned list talks about some of the best herbs that can be used for a variety of skincare applications and is suitable for all skin types.
- Dandelion– Dandelion is one of the best herbs when it comes to providing nourishment for the skin. Dandelion helps regulate and purify blood, liver and other digestive organs. It can be used via digestives, hand and foot baths and through the diet.
- Burdock – Burdock is another herb that improves the health of the skin. It is beneficial for scalp health, rashes, wounds and inflamed areas. It can be used in oils, skincare formulas, washes and first aid preparations.
- Calendula – It is one of the best herbs for skin care. It is used to heal the skin, in acnes, wounds cell repair and inflammation. Calendula can be infused in oils or brewed as a tea.
- Comfrey – Comfrey is most popularly known for its amazing healing properties and is often included in first-aid preparation and skincare formulas. It can be utilised as oil, tea, compress or poultice.
- Lavender – Lavender is one of the most common herbs and can be used in any skincare product, essential oil, carrier oil etc. It binds the other ingredients in a product and creates a more beneficial and stronger product. It can be used in oils, honey, tea, toners, creams or in any other form.
- John's Wort– St. John's Wort is another beneficial herb that can be infused into a carrier oil and can be used for first aid as well as skincare. It is useful for wounds, cuts, bruises, burns, pain and helps in speedy recovery. It is often used in massage oils for muscles and injuries.
- Helichrysum – Helichrysum is famous for its skin-healing and anti-ageing properties. It is expensive but very effective. It can be used as a facial toner or body spray and can also be blended into creams. It can be infused into carrier oils and as a tea for use as a wash.
- Plantain – Plantain is famous for its soothing properties and is excellent for irritations, bug bites and stings. Plantain can be incorporated into oils and can be taken internally and externally as a tea.
- Rose – Rose contains anti-inflammatory and antibacterial compounds that work great on acne-prone skin. They have excellent anti-ageing, nourishing, hydrating and toning properties. It can be incorporated at every step of skincare as oils and essence.
- Carrot Seed – Carrot seeds are beneficial for the liver, releasing toxins and the skin. It can be used for a variety of ailments such as eczema, acne, psoriasis etc. It also has anti-ageing properties and can be used as oils and creams.
- Marshmallow – Marshmallow works excellent for both skin and hair. It has soothing and anti-ageing properties and can be used as an oil, cream or poultice. Marshmallows provide moisture to the skin and can also be included in baby powder blends.


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Akron HEEDs diversity
By Dylan Reynolds, Writer
September 23, 2015
INSIGHT Into Diversity magazine recently announced that The University of Akron will receive its prestigious HEED Award. The HEED Award stands for Higher Education Excellence in Diversity and is awarded to schools across the United States for their efforts in promoting diversity in higher educa...
UA honored for diversity
By Grant Morgan, Writer
September 24, 2014
For the third year in a row, The University of Akron has been honored with the Higher Education Excellence in Diversity award by INSIGHT into Diversity Magazine. The award results from UA's inclusiveness of all races, backgrounds, genders and statuses. Only 83 out of over 4,000 U.S. institutes of...


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Crush Itaewon Class Drama OST | No Words
Crush is back with a new OST! Not only known for his soulful music, Crush is also known as one of the best OST singer. This time it's for Itaewon Class drama OST.
Crush have been working hard last year. Release the full album Midnight to Sunrise which receive much love, even winning at Korean Hiphop Awards 2020 as the best R&B Album of the year. Now Crush is back with a new song, an Original Soundtrack for hit Drama from JTBC : Itaewon Class.
Crush No Words Audio
Crush is working with lyricist Kwon Young Chan & Composer Hong Sojin. Lyricist Kwon Young Chan who already work with Jung Seunghwan in the past for Drama My Country the new Age. While composer Hong Sojin is part of Band Wonderlust & already work with IU, Zico, Sam Kim & Crush.
Recently, Crush also participate for the hit drama Crash Landing on You OST.
Make sure to follow Crush on Instagram : @Crush9244. Don't miss out on Crush fun update
Listen & Purchase to Crush Itaewon Class Drama OST No Words on Apple Music, Spotify, Melon, Genie & Bugs
What do you think of Crush Itaewon Class Drama OST? Let us know in the comment section below!


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This blade is for pros only
Our D2 STEEL PRO HUNTING KNIFE is extremely strong, sharp and ready for any action that comes your way. The D2 steel blade is expertly crafted to maintain its edge and remain reliable in any situation. Every blade is ground and shaped by expert-skilled craftsmen, then vacuum-tempered to 57-59HRC creating an incredibly sharp, strong and powerful tool. Each blade comes with a custom sheath and tech lock clip to be easily secured on a belt, bag, or anywhere you need it.
- Solid D2 Steel Blade
- Durable Sheath with tech clip
- Handcrafted leather sheath
Steel designed to cut through other steels
D2 Steel gained immense popularity during World War II when it was used on production lines to cut softer steels into shapes to eventually be made into tanks, armored vehicles, and fighter planes. To sum it up, D2 steel was designed to easily cut through other steels, and to cut through other steels repeatedly in a factory setting without major wear and tear. D2 is an incredibly hard steel that is specifically designed for high impact and heavy use. Since it is so hard, it works fantastic for knife blades that are going to see continued and repeated use.


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Relax at Home
Our state certified and insured Massage Therapists travel to your home or office to provide you with customized massage therapy.
We are available 7 days a week, providing professional massage therapy with ease and convenience.
Mobile Massage Therapy
We are completely mobile, exclusively providing massage on-location in Orange County. Our Massage Therapists bring the massage table (or massage chair), music, lotion and creams. We offer essentials oils added for your enjoyment free of charge. We ask that you do provide the sheets for your massage, but if this is an inconvenience we can bring sheets for you.
Corporate Chair Massage
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Gift Certificates for your Customers
Our Massage Therapists
We have an amazing team, each with repeat clients who look forward to their regular massages. We carefully interview each therapist and coach our therapists to have outstanding service for you. Our Massage Therapists are state certified with the California Massage Therapy Council. They have all undergone background checks. Each therapist carries her own insurance. They make it a point to show up 10-15 minutes before your appointment time, and will do a brief consolation before your massage so that they may decide appropriately what type of pressure and techniques they will use. This is based on your experience with massage, your reason for getting the massage (major tension, just wanting to relax, healing from an injury, etc.)
If you're not driving to the spa,
then where do you get a massage?
Receive massage at your convinience...
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Purchase Gift Certificate for:
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All massages are paid for through credit card prior to service and at the time of scheduling. You may pay here through our site or over the phone. Our therapists do not handle billing or scheduling procedures.
Cancelation Policy
If you need to cancel after setting up your appointment, we provide a full refund. However, should you need to cancel on the day of your appointment, we give a partial refund and keep $25 to give the Massage Therapist, as they have arranged their day around the appointments that have been booked. Please contact through email if you need to cancel or reschedule.
Follow our contact link to schedule a massage. We will get back to
you shortly with our availability. Its helpful if you include both your
first and second preference for date and timeframe.
We send one Massage Therapist out to provide up to 3 hours of massage. Otherwise, for large parties, we will send two therapists out for groups of 4 hours of massages or more.
Our therapists are always appreciative of that little extra, when they put in that extra for you. You may give a tip at the time of your appointment. We don't include gratuity when billing.


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Do а table search for fish аnd high pot tables Before уоu sit down through a table online you can search tо see exactly what players уou will be up against.A good habit to key in befоre you sit іs to select the "Average Pot" tab located in mоѕt lobbies undеr the list оf tables readily available.The tab wіll tell уou the amount the players аre betting реr pot аnd wіll tell уou if they аre aggressive or tight.if you аrе an aggressive player merely fewer оbvіоusly choose the tight table аnd vice versa tight player.You likewise find that appeal of soy "average pot" tables аre full оf fish. You can expect large swings in the higher "pot average" tables but expect to win big pots аs well.
Selling Covered Calls аnd selling Naked Puts have thе similar risk curve, but not the same reward competition. Our еxаmplе will bе a $20 stock, оnе position in order tо be buying the stock аnd selling the $20 Covered Call. The additional position will selling thе $20 Naked Put.
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The town is home to the Sisters of St. Francis of Sylvania, a convent dedicated to "live the Gospel in joyful servanthood among all people." The nunnery was founded here in 1916 by a group of Franciscan Sisters from Rochester. Today, their diverse ministries are a direct response to the needs of the common people: education on all levels, social work, health care, religious education, counseling, special education, communications, and parish and retreat work.
Sylvania Historic Village highlights the month of May with "Homespun Crafts Day" and "Local History Week". In addition, the annual "Arts & Crafts Festival" with over 400 exhibitors from around the country is held the Sunday after Labor Day.
See more Ohio Cities and Towns.


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What Is the Connection Between HUD & Escrow? | Home Guides. – The Basics. HUD's provisions in the Real Estate Settlement and Procedures Act protect consumers from predatory lending practices, such as unfair and excessive fees.
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How a Repair Escrow Can Fix Your Dream House | Total Mortgage. – Many HUD houses are in need of some repair, but because of those. Steve Cook is managing editor of Real Estate Economy Watch, which.
REAL ESTATE PROPERTY FORECLOSURE AUDIT. – REAL ESTATE PROPERTY FORECLOSURE and CANCELLATION OF DEBT AUDIT TECHNIQUE GUIDE NOTE: This document is not an official pronouncement of the law or the position of the Service and cannot be used, cited, or relied upon as such. This guide is current through the publication date.
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How New Rules for Section 8 Voucher Payments Mean More Mobility for Voucher Holders – A lawsuit ensued; in December in an injunction ordering HUD to implement the rule as originally planned. D.C. The nonprofit's real estate development team says three of its current D.C. properties.
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StreetXO London, Tio Pepe and Feria de Jerez
A last-minute invitation to preview the sherries on offer for the StreetXO Feria de Jerez sounded intriguing. I'm partial to a little sherry – and I've done enough sherry tastings and recipe development of my own with sherry now to understand a little about the complexity and unique flavours on offer. I didn't anticipate quite such enthusiasm from my companion for the night, The Hedonist. But then, I hadn't realised quite how special StreetXO, a Mayfair restaurant tucked away between Oxford Circus, Bond Street and Picadilly is. The Hedonist, who appears to spend as much of his free time as possible seeking out the sublime across Europe, explained…
Dabiz Muñoz the chef patron of StreetXO just happens to run two other restaurants, both in Madrid. There's another StreetXO – a small plates type concept. And, there's DiverXO, Madrid's only three-star Michelin restaurant. Dabiz started his culinary journey learning the fundamentals of Asian cuisine with the head chefs at Hakkasan, Nahm and Nobu. A unique Spanish-Asian fusion cuisine that is the backbone of the XO brand resulted.
Where does sherry come in? Well, Dabiz has been working with Tio Pepe and the Gonzalez Byass to create the perfect menu for Feria de Jerez. There are two special 'Liquid Cuisine Cocktails', a selection of celebratory classics with a Jerez twist (Ole Alexander for example made with Apostoles) and a flight of Gonzalez Byass sherries paired with tapas.
We were invited along to the Mayfair restaurant and bar, where we started with one each of the liquid cuisine signature cocktails.
Tokyo – Jerez (£14) with Palo Cortado was a smoky long drink with something of a wow factor from the caramelised shrimp on a skewer which is used both to add a salty flavour to the cocktail and a sweet caramel note as you stir your drink. The smokiness comes from Lapsang Souchong tea, with shiso miso and yuzu to create the perfect Asian cocktail base. Appropriately The Hedonist got to suck on the salty shrimp head and enjoy that one.
Meanwhile, my Amontillado based 'Scottish Man in Jerez' was a shaken blend of Outland Scotch whisky and lime with hazelnut orgeat and an amontillado float. I loved this smooth, creamy but definitely not too sweet cocktail. We may have arrived at the Circus, but the acts so far were refined and polished.
Then, the flight of sherries.
Fino en Rama is Tio Pepe's limited bottling of Tio Pepe Fino. It's drawn from cask in spring and bottled without fining to create a slightly cloudy sherry with a complex nose, crisp and dry with an unusual texture. We were drinking last year's Fino at this stage, paired with a tiny mouthful of oyster cooked on the robata and served with a gazpacho jalapeño just to make sure we were still awake. Nicknamed Irish Oyster on Holiday to Acapulco, I loved the presentation of this dish and, as with all things based on oysters, would have eaten a plateful.
Next, Gonzalez Byas Vina AB Amontillado served with three pieces of Hamachi Usezukuri, a type of sashimi carpaccio served with little mushrooms like tempura of purple potato.
Finally, Gonzalez Byas Solera 1847 Cream served with 2 creamy and light kimchi croquettas. One salmon sashimi trout egg and lapsang souchong. The other, an oyster mushroom topped with tomato relish. If you associate cream sherry with the Queen's speech on Christmas Day and the ceremonial opening of a bottle of Harvey's Bristol Cream, I beg you to make your way down to Street XO and try this Pedro Ximanez based mouthful of deliciousness.
It took very little to persuade us we'd like to continue – and we moved to the restaurant to meet head chef Lorenzo and sample some of the restaurant dishes (though actually, the tapas dishes are all available on the a la carte menu too).
We started with a dish of hot smoked hand dived Scottish Scallops, served with a creamy ponzu and coconut-kaffir lime reduction.
The delicate smokiness came from using vine roots in the robata. To accompany, the new release of Tio Pepe en Rama which had great minerality and was much drier and saltier than last year's offering. A perfect pairing again.
Next up, perhaps the most visually stunning of the dishes. Octopus a la Gallega who spoke Mayan. Tender grilled octopus was served with an emulsion of tamarilli, papas arrugadas, a yuzu aioli and mole
This South American influence dish was nicely paired with Gonzales Byass Leonor Palo Cortado, a 12 year old deep and elegant sherry with notes of orange, toasted hazelnuts and almonds.
Next fillet of lemon sole in a Thai meunière with pink pepper and charcoal grilled baby corn. This delicate and fragrant dish was accompanied by an Apostoles 30 year old Palo Cortado sherry with smooth caramel and an intense nuttiness and caramel on the nose but still with a dry delicate finish. It is a rare sherry, a fino that has been aged oxidatively like an Oloroso to create a particular and complex dry wine.
We must have looked hungry when we arrived – I was definitely running out of steam by this stage but who could resist a green curry based on grilled avocado slow cooked beef cheek, brocolli and peas with lemongrass and kaffir lime, on the menu as 'A Scottish Cow visits Bankok' which was particularly appropriate giving the amount of food we'd enjoyed.
My peskytarian companion enjoyed the same dish without the beef cheek and we both sipped on Gonzales Byass Alfonso Oloroso, a nutty dry Oloroso with a salty tang.
Then 'dessert cocktails' to accompany the desserts. I have a sneaking suspicion by this stage that I wasn't necessarily totally aware of what was on offer.
I do remember hijacking the delicious seven textures of chocolate – a wonderful mixture of black mole & Gianduja
mousse, with white chocolate ganache & spheres served with a chocolate ice-cream. The peskytarian had the guava cheesecake.. caramelized popcorn, lemon gel and sablé butter cookies.
Of the two cocktails, my favourite with the chocolate dessert was definitely the Ole Alexander, with brandy cream, apostoles, orange blossom and nutmeg while Quillo the Manhattan, brandy with oloroso, vermouth and orange bitters was also delicious and perfectly balanced.
The real question is if you do decide to go and try the Feria de Jerez menu (something of a snip at £28 per person including all the sherries and food) will you be tempted like us and end up feasting. I'd recommend you do, this is one of the best restaurants in London I've tried this year.
StreetXO in my view is a venue to be decadent, to dress up and have fun – a night on the town in the most informal and fun way possible and with some amazing food and drink.
StreetXO London
15 Old Burlington Street


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Kepler's Witch: An Astronomer's Discovery of Cosmic Order Amid Religious War, Political Intrigue, and the Heresy Trial of His Mother
Harper Collins, 2004 - Biography & Autobiography - 402 pages
Foreword by David Koch of NASA's Kepler Mission
Isaac Newton said that if he had seen farther than others, it was because he was standing on the shoulders of giants: Nicolaus Copernicus, Tycho Brahe, Galileo Galilei, and Johannes Kepler. James A. Connor focuses on one of those giants in his fascinating and largely untold story of the "Protestant Galileo," Johannes Kepler. Set against the backdrop of the witchcraft trial of his mother, Kepler's Witch vividly brings to life the tidal forces of the Reformation and Counter-Reformation, submerging us into these turbulent times, revealing not only the surprisingly spiritual nature of early modern science, but Kepler's role as a neglected hero of conscience.
The doorway into Kepler's life and times begins with the sensational witchcraft trial of his elderly mother, Katharina, an eccentric woman who, like Kepler, was too smart for the world she lived in. The story is filled with crooked judges, sadistic bailiffs, and nasty neighbors bent on the destruction of this single, half-mad old woman. Using never-before translated transcripts of the trial, Connor explains that witches in the seventeenth century were the terrorists of their day. Tragically, thousands of people -- mostly women -- had gone to the stake by the time of Katharina Kepler's trial.
Johannes Kepler's life thus became a pilgrimage, a spiritual journey into the modern world through disease and horrible injustice on the eve of Europe's terrible and bloody Thirty Years' War. Kepler was concerned with more than scientific discoveries and achievement -- he fought for peace and reconciliation between the Christian churches, even when it nearly cost him his life. Exiled twice by Catholic princes and excommunicated by his fellow Lutherans, he was unbowed in his scientific and moral vision.
Besides the witchcraft trial records and testimonies, Connor has translated many of Kepler's diary entries and correspondence into English for the first time. With a great respect for the history of these times and the life of this man, Connor's unforgettable story illuminates Kepler, a man of science, as well as Kepler, a man of uncommon faith and courage.
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Kepler's witch: an astronomer's discovery of cosmic order amid religious war, political intrigue, and the heresy trial of his motherUser Review - Not Available - Book Verdict
Johannes Kepler confirmed the Copernican universe, laying the foundation for Newton's later laws of physics; calculated the true shape of the solar system, along with the basic laws of planetary ... Read full review
From Keplers ASTRONOMIA NOVA 1609
Letter from Kepler to the Theology Faculty
Letter from Kepler to Michael M�stlin
An Archimedean Calculation
Letter from Kepler to Tobias Scultetus
October 23 1613
Letter from Luther Einhorn Magistrate
Letter from Kepler to Herzog Johann Friedrich
From Keplers HARMONICE MUNDI
February 15 1621
Kepler Time Line
From Keplers Eulogy on the Death
Letters from Kepler to Johann Georg Brengger
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Spaced Repetition & Anki Course
Your brain only wants to remember things that happen frequently. I'm a big believer in spaced repetition — it's a method, proven by mountains of research, that helps you remember things by reminding you as soon as you are about to forget. It gives you a say in what's important to remember.
A gentle introduction to spaced repetition. What this course is, who it's for, and why it's useful.
In the second video of the Spaced Repetition course we dive deeper into spaced repetition: what is it, where did it come from, and how does it work?
In this video we're going to go over a handful of foundational principles that will help you get the most out of your practice.
So now that you know how it works, and what it looks like, you need to figure out which information you'll store in your Spaced Repetition system and how you'll get it in there.
In this video we get a good introduction to spaced repetition software, Anki.


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If approved by membership, the contract would be the final one in the union's pattern bargaining with the "Detroit Big 3."
On November 30, the United Auto Workers (UAW) announced that hourly workers, both production and skilled trades, have reached a "proposed tentative agreement" with Fiat Chrysler Automobiles (FCA US LLC). The move follows earlier membership approval of contracts with the two other companies in the "Detroit Big 3″—Ford and General Motors.
The UAW-FCA National Council will be meeting on December 4 go over details of the proposal, which if adopted as a tentative agreement will go to all FCA hourly and salary members for a ratification vote to begin on December 6.
Pattern bargaining. The UAW has employed a pattern bargaining strategy under which it first tackled important new gains at GM, and then looked for similar gains from Ford and FCA.
On November 15, the union announced that the UAW membership at Ford had ratified a contract that included an economic package of a $9,000 per full-time member signing bonus, performance bonuses, two 3 percent annual raises and two 4 percent lump sum payments, and held the line on health care costs.
The Ford deal was ratified by 56.3 percent of the membership. Under that agreement, employees and temporary employees will be at the top-rate for full-time status at the end of the four-year agreement.
On October 25, the UAW announced the ratification of the collective bargaining agreement with GM, which brought to conclusion a strike by about 48,000 workers that began on September 16. The strike drew broad support. The union called it "the longest automotive strike in 50 years."
"Our UAW Bargaining Committee worked diligently, over many months, during the General Motors strike and Ford negotiations to maintain productive negotiations with FCA," UAW Vice President Cindy Estrada, director of the UAW-FCA Department, said in a statement. "The pattern bargaining strategy has been a very effective approach for the UAW and its members to negotiate economic gains around salary, benefits, and job security. In addition to the $4.5 billion in major investments previously announced, negotiators secured an additional $4.5 billion for a total of $9 billion of investments adding 7,900 jobs during the contract period."
FCA corruption. The FCA-UAW proposed deal follows a string of corruption revelations that most recently prompted GM to file a lawsuit against FCA (FCA US LLC), Fiat Chrysler Automobiles NV, and former FCA executives who have pleaded guilty in the high-profile and ongoing federal corruption probe over union bribes. The federal racketeering lawsuit centers around what GM sees as a "multi-year pattern of corruption that FCA used to undermine the integrity of the collective bargaining process and cause GM substantial damages."
GM characterizes the Italian company, Fiat Chrysler Automobiles N.V., as having managed to win U.S. government support "in obtaining operational control, for no cash, over an iconic U.S. auto company, Chrysler Group LLC." Soon after the federal government-approved acquisition, FCA Group betrayed both the federal government's and the U.S. auto industry's trust and "embarked on a systemic and near decade-long conspiracy to bribe senior union officials to corrupt the collective bargaining process and labor relations," GM alleges.
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DONALD Trump showed Kim Jong-un a bizarre fake movie trailer showing a vision of what North Korea would look like if it ditched nuclear weapons.
His glitzy show-reel featured cheesy narration, an image of dictator Kim projected onto a giant screen in New York's Times Square and lots and lots of montages.
The strange four minute clip, which isn't expected to be nominated for any Oscars, opened with a fake studio logo for the imaginary "Destiny Pictures".
A growling narrator says: "Destiny Pictures presents a story of opportunity. A new story, a new beginning.
"Two men, two leaders, one destiny."
The heavy-handed movie shows ominous black and white footage of fighter jets and armies, representing what will happen if Kim makes the wrong choice.
Then there is an actual countdown, warning of the threat of nuclear annihilation.
Next we see Don and Kim smiling, their images playing in Times Square.
Then follows lots of strange montages - the sun rising over the Earth, a basketball player slam dunking, horses running across a body of water and flash speed boats.
The dramatic voice over says there is one chance to "re-write history, to shine in the sun, one choice - what if?"
It ends: "The future remains to be written."
"We had it made up. I showed it to him today, actually during the meeting, toward the end of the meeting and I think he loved it," Trump said during a news conference.
Trump said the video was played for about eight members of the North Korean delegation and he "thought they were fascinated by it."
The President added: "That could very well be the future. I showed it because I really want him to do something."
Trump, who starred on NBC's reality show 'The Apprentice' before entering politics, told reporters he was "not concerned at all" that the film could be used as propaganda, adding, "We could use that video for other countries."
It wasn't the first time video. was used as a way to connect with Kim.
At the end of a summit in April on the southern side of the Demilitarised Zone between the Koreas, Kim and South Korean President Moon Jae-in watched a highly produced video, backed by inspirational music, that highlighted the ceremonies they had just conducted during the day.
During his exchanges with Trump, Kim seemed to buy into the cinematography of their unlikely meeting, saying through a translator, "many people in the world that will think of this as a scene from a ... science fiction movie."
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Case Study: OfficeMax 1. Introduction This assignment focuses on case study analysis, where we were expected to analyse and provide executable strategy for a specific corporate retailer. The 1997 case relates to OfficeMax, a superstore that primarily carries office equipment and supplies to small business and consumer markets. However, the company is seeking diversification and market share growth, with the prospect of a merger between the industry's number 1 and 2 office supply superstores, Office Depot and Staples.
The current merger process is under scrutiny from industry watchdogs, and the role of these entities relative to the competitive advantage of retailers is being questioned. This document hence deals with strategic direction for OfficeMax in light or in spite of the proposed merger, as well as general recommendations that it may use to become the dominant player in the US office supply market. 2. Analytical Strategic Analysis 2. 1 Selection of Tools Strategic management is a continuous process, run throughout a business's existence.
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The process is set out with periodic milestones at which the planning, executing and measuring of Critical Success Factors (CSFs) and business objectives are set. It is used to ensure that the business is able to select, collect, assimilate and use appropriate information so that an organisation can specify and communicate its mission, vision, policies and plans, relative to the external forces that may help or stifle drive growth. Further, the strategic management process allows an organisation to set its competitive positioning, and encourage innovation.
Business Planning is concerned with how a business competes successfully in a particular market. The external environmental analysis (PESTLE) and industry analysis (including Porter's Five Forces, competitor analysis and market performance analysis) models are applied by companies to identify opportunities and threats residing within the industry. A situation analysis is developed to culminate in a SWOT for internal positioning, relative to the strategic intent for growth for the company under analysis. This may be shaped more realistically with key success factors.
Figure 1: Strategic Management Process Thereafter, business planning concerns strategic decisions about choice of products, meeting needs of customers, gaining advantage over competitors, exploiting or creating new opportunities etc. During business planning, organisations tend to select either one or combination of Porter's generic competitive strategies. This selection may be based on the particular market segment an organisation enters; hence, one organisation may have select different approaches if it plays in multiple segments.
This culminates in Critical Success Factors (CSF's) required for a company to assume an effective competitive position within its industry. 2. 2 Environmental Analysis The environment analysis was conducted from Internet sources relating to mostly the United States for the period 1988? 2000. This information is summarised in Table 1. Table 1: PESTLE Analysis: Office Supply Industry Political 1988? 1992 Gulf War Panama / Cuban Conflict Bush Admin Increased Taxation Era of corporate reorg Unemployment rate unstable High inflation Decline in Specialist Stores HRM ?
Employee as person 1992? 1996 Stability ? Economic Growth Focus internally Clinton Admin Contemporary Era Growth dotcom era grows Warehouse Clubs Confidence in Government 1996? 2000 Global positioning Bilateral, Iraqi and EU neg Clinton Admin Globalisation starting up Door? to? door courier preferred Economic Social Technological Mature digital era Office automation prevalent Global warming legislated Employment rights legislated Carbon emissions awareness against greenhouse effects Legal Environmental ommence dotcom telephone shopping Commercialisation of equipment ? printers, etc Awareness of need for green mature Dotcom before burst online cataloguing Reusable cartridges, etc available Internet shopping legislated Anti? trust laws drafted Kyoto Protocol signed The most relevant information to OfficeMax will be drawn from this table when the company's situation and growth strategy are considered. 2. 3 Industry Analysis During the late 1990s, the office supply industry was retailed by the following entities (as defined further in Appendix 1): 1.
SMME Speciality stores – who focussed on individual verticals in the industry. These stores were the dominant players prior to 1984, before losing the battle for cost leadership and scale of operations to superstores. Though the number of speciality stores have decreased, the strategy for survival of these stores has evolved to: a. Focus on goods that superstores would not carry, due to lack of supplier scale, low margins or focus on other product brands or contracts b. Joint buying power in the form of warehouse clubs c. Operation in areas not served by superstores d.
Niche market focus, such as enterprises or educational institutions, whose needs are generally specific e. Product differentiation, especially with furniture and office related services f. Addition of seasonal ranges, or consumer value adding services such as greeting cards, customised printing or local delivery 2. Superstores – together with wholesalers, remain the dominant player in the US office supply industry during the 1990s. However, one must keep in mind that the point of analysis for this case is the decision to permit merger of 2 out of 3 of the biggest superstores, or not.
Competitive analysis of both the "new" merged entrant and status quo industry makeup (whichever is permitted) needs to be conducted. 3. Retail Stores ? the FTC is seeking to protect all retailers from the merger; however, it is the existence of retail stores that threaten the business model of superstores the most, and vice? versa. Retail stores do not have the same focus and range as superstores; however, they can diversify their product range to ensure all year profitability.
This implies due attention to seasons, and significant contract power with suppliers across a wide range of industries. 4. Warehouse Clubs and Retails – These entities share equal market positioning to superstores; however, the business to business relationship make them suited to the enterprise market. As a consequence, if OfficeMax wishes to enter the specialised corporate market, a competitive threat exists that superstores need to monitor business serving warehouses.
The relative market sizing and dominance of each retail element listed above can be gauged from the case itself. One can assume that buying power equates to market share, and we note that superstore and warehouse combination does have significant dominance. Figure 2: Relative Market Share However, we need to relate this information to specific market segments, attributes of competitive differentiation, relative market presence and operational efficiency before suggesting which element is profitable. 2. 3. 1 Porter's Five Forces
The retail types will now be classified based on their current positioning, with the exception of Office Depot and Staples, who will be discussed later both as a new entrant (merged company) and rivals to OfficeMax (but still a rival). Figure 3 shows all competitors in the office supply industry relative to their line of business uptake. One notes the market dominance of Superstores, and specialisation in industries by direct and speciality retail outlets. This information was processed from information throughout the case.
Figure 3: Relative Market Size and Product Blend Dominance On top of traditional competitors, gaps in the office supply market that have been included are season and niche market opportunities, a gap that OfficeMax is starting to take over, across different verticals. a. Substitute Products In the retail industry, the supply of substitute products reduces barriers to switch for customers since high elasticity of demand makes price competition strong, and gives wider range of choice to suit customer's specific requirements.
In the office supply industry, substitute products are available from alternative retail outlets who do not necessarily share the same scale or buying power as superstores like OfficeMax. However, their focus on products that superstores choose not to carry is a threat, albeit small considering that superstores generally outprice these entities. Competition on differentiation layer is possible with items such as furniture and equipment. Loyalists to specialist entities may, however, be due to regional placement, once? ff quality driven purchases for particular small business customers, or unique requirements to suit specialist needs. b. Entry of new competitors A profitable market tends to attract new competitors, either in the form of prospecting entrepreneurs, horizontal growth from established corporates or arrival of global players wishing to expand. This will effectively decrease profitability, unless the entry of new firms can be blocked by incumbents. If this is not possible, the profit rate will fall towards a competitive level (perfect competition).
We will treat the merged entity can be treated as a new entrant, with the threat that it brings expertise and existing stores and supply contracts. However, the following factors will have to be considered while the merged entity, or even new entrants try to compete with OfficeMax. o the existence of barriers to entry – the company would need to convince the market to trust the new brand, even though a significant amount of it would be carried over from the parent companies – this should be well managed o conomies of product differences – consolidation of product portfolios must be seamless, though this is not an issue with commodity products, except with the management and support thereof o switching costs or sunk costs – certain liabilities and investments that are redundant need to be migrated or switched off in view of consolidated strategy o capital requirements – the merger requires significant funds to be raised in order to match expectations – this would come out from shareholders who would demand quick return and stable operations o access to distribution – the new company needs to rebrand and develop a common tactical approach in a much bigger distribution network o absolute cost advantages – consolidation of products implies suppliers need to be renegotiated, especially where backward integration is taken place o learning curve advantages – time to learn on the business's new philosophy, as well as staff training is important to get past o In the mean time, OfficeMax could exploit the delay in uncertainty or learning, and grow its own strategy, even it trials and later executes. It would also have the advantage of undisturbed operations, continuation of an existing business model, and minimal staff training in order to compete. c. Competitive rivalry The major force of the competitiveness is rivalry, who relate to entrants on equal footing and core capabilities. Rivalry may be aggressive or in non? price dimensions such as innovation, marketing, etc, driving toward differentiation.
The following factors must be considered: government policies – the FTC policies must be adhered to o number of competitors – in the superstore category, there are three stores, each with a similar firmographic (as per Table 2). However, the industries number 1 and 2, Office Depot and Staples, seem to a significantly larger revenue, implying that OfficeMax is either operationally inefficient, not yielding the right product to market, or not enjoying adequate market coverage. These need to be explored during its growth strategy. Table 2: Competitive Data as at 1995 (note turnaround from 1996) Office Depot Staples OfficeMax Founded 1986 1986 1988 Products Furniture, Computing, Equipment, Supplies, P Market Position 1 2 3 No Stores 526 574 564 Revenue ($Bn) 5. 3 3. 1 2. 5 o o rate of industry growth – this seems to be consistent diversity of competitors – the product range is the same for superstores informational complexity and asymmetry – differing channels with advent of delivery, online and phone? in cataloguing, and serving specialised markets o o o o fixed cost allocation per value added – the margins are low – down to 15% in industry level of advertising expense – not known Economies of scale – similar operations, but negotiating power may be different Sustainable competitive advantage through improvisation – diversification of range, re? branding and new channels would be differentiators This implies that OfficeMax has significant repositioning, without waiting for the market to turn in its favour. d.
Customer Buying Power This relates to the ability of customers to pressurise the firm by renegotiating contracts or purchases from a company by eliciting sensitivity to price changes or switching to other companies. The office supply industry is diverse, but the trend from consumers is to seek lower cost. The advent of technology such as the cost? effective micro? computing and desktop publishing has boosted the market with new dimensions. The trend to go paperless and the advent of the Internet would later spark a decrease in paper communications, and electronics sales is now almost double market potential than traditional office supplies. Even the trend to buy online or via catalogue needs to be embraced. This is a customer led industry. e.
Supplier Buying Power The suppliers of goods and services to the firm can be a source of power over the firm. Unique buying power, distribution and stock availability are factors that influence retail product offerings. However, the more diverse the range and number of outlets, the more loyal supplies get to a retailer. Superstores have the tendency to be "category killers" (from Case), where loyalty to particular brands emanates from discounts and in? store promotions. Further, the scale of operations implies products are sold, and suppliers are forced to offer discounts to these companies rather than smaller operators and retailers.
Therefore, the FTC is concerned with the implications of merger. 2. 4 Situation Analysis The situation analysis is placed in Appendix B, relating information of OfficeMax's market position, capabilities, competencies, collaboration, stakeholders, financial analysis and marketing mix. Significant highlights from this analysis, taken from the case together with information sourced from the Internet: a. The companies cost leadership competitive strategy has seen financial turnaround since 1993, with the company turning around significantly when acquired by Kmart, to year? on? year growth from 1994 to 1995 at 180% and 314% from 1995 to 1996. b.
The company has been able to diversify its product range, offering end? to? end value to the market who seek one supply fits all c. The company is keeping track of industry and environment trends, with investment in internet services and computing for internal automation, achieving a 1. 86% cost of admin – in? line with cost leadership model d. The company has turned its inventory significantly quicker with greater number of stores – hence stronger buying power e. Expansion into wider ranges, new geographical areas and internationally (in areas where its competitors are not – a wise decision) has helped boost y? on? y earnings f.
It is maintaining the superstore brand by growing such stores across its operations, but adding cataloguing and portfolio driven lines such as corporate markets to its suit of services – this will ensure longevity g. The company's experimentation shows a lack of understanding of its customer needs h. Though the merger provides basis for testing market, a sound strategy for growth needs to be put into place, else it will not achieve objectives for no 1 spot i. Staff need to be focussed at regional level with exact direction of expansion, and ensure level of retention to remain loyal to company's strict policies and work ethic j. Cognisance of the concerns from the regulator and competition bodies is important to prevent negative kick? backs to company – re? randing and customer awareness is important to gain their trust 2. 4. 1 SWOT Analysis Figure 4: SWOT Analysis 3. 3. 1 Strategic Direction Merger Scenarios 1. The merger takes place and OfficeMax becomes 2nd in the market to a chain twi ce its size in the domestic market The two scenarios that OfficeMax needs to take awareness and perform due risk planning are: 2. The merger is stopped and OfficeMax can use competing head? on with both entities to reach the number 1 spot it aspires toward OfficeMax's corporate vision is summarised as "to be the cost leader and preferred superstore in office supplies for most of the American market".
Its purpose may therefore be surmised as "OfficeMax is an operationally efficient chain of superstores retailing to the domestic market end? to? end office supplies and aims to be the market leader using geographical growth, line of business expansion and cost leadership. " The company needs to consolidate itself so that it takes a non? specific approach no matter if the merger is allowed or not. The opportunity to experiment while other companies cannot invest or grow (while in closed period for due diligence and stakeholder negotiation) is apt; however, focus must be achieved soon. Capital must be spent wisely, and decisions around global positioning and market focus taken.
Technologies such as the Internet and Desktop computing are key enablers, and the company should expand its channels and skills base accordingly. Employee culture must be reinforced by regional accountability. 3. 2 Critical Success Factors Since we now understand the company from both its internal and external positioning, we need to set critical success factors before providing information going forward on implementation. These include: 1. Understand expectations of stakeholders, such as the regulator and competition commission during this merger period 2. Keep track of the ever changing needs of customers during this period of flux 3.
Be weary of counter moves by competitors – watch for contingencies if merger does not occur 4. Maintain level of operational cost saving, by ensuring automation across systems, maintaining cross? docking functionality and driving this to regions and staff 5. Be cautious on global expansion, and ensure relationship with partners maintained 6. Seek growth markets, or areas where cost leadership maintained by revenue available, such as corporate market – push digital as primary offering 7. Seek and maintain loyal and driven personnel 8. Seek contracts with supply chain and gain first? mover advantage rather than merged entity 9.
Grow brand equity by driving economy of scale of superstore over other entities 3. 3 Intrapreneurship and Innovation The company is currently driving experimentation while the merger negotiation takes place. It is the ideal opportunity to gain staff support to help reshape the organisation, and ensure that this gets implemented properly. For consumer retailers, innovation is inherently multidisciplinary and cross? functional (Roth, 2006). The author further suggests that: o o o o Innovation starts with existing business models and categories. Focus groups are at the heart of efforts to generate the insights companies need. Companies should rely on internal resources first for innovation.


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PSNL 105: Value of You
Why did God create sexuality when He knew it would be so misused, abused, and even addictive? What purpose is it supposed to serve? What does healthy sexuality look like? In this study, we will strive to answer these questions and more. We will paint a picture of what healthy, purposeful sexuality looks like by looking to Scripture to find God's original design. However, our primary focus will be to find our personal value within whom God has called us to BE.
Check out our Notes for Facilitators video series for more resources and insights into teaching this study.


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New Orleans-Former "Deeder" Leader and world-class over-reactor Phineas Downey for some reason felt the need to weigh in on the events surrounding the Super Bowl and the 34-minute power outage that interrupted the game during the third quarter last week. It's unclear if anyone associated with the NFL, the City of New Orleans or the Superdome contacted Downey, but there he was yesterday sticking his nose in the Crescent City's business.
"I'm not all that familiar with the rules and traditions of football," Downey said at a press conference, "or soccer as it's called in the rest of the world, but from all the research I've done since this incident, it's clear to me that someone made a huge mistake, they're fortunate no one was seriously injured and somebody needs to go to jail for this grievous, terrible tragedy. It's un-conscionable that no one has been arrested yet this long after the match was held in New Orleans, the town so lovingly referred to as The Large Easy."
Downey went on to say he's personally offended at the nickname of the New Orleans football team, the Saints, and plans to file a lawsuit after filing an injunction that he hopes will open up the team's eyes and change the name "to something less offensive to those individuals that might be of a more secular persuasion, and feel uncomfortable saying that word, 'saint,' with such callous disregard for personal liberties and freedoms from an institution forcing religion on its constituents. How long has this name been around? It's sad."
Other gripes Downey had now that he's got the NFL and the Super Bowl on his sad, pathetic radar include, "The offensiveness of the term 'bootylicious' I keep reading in reference to the young woman who performed a dance medley in the middle of the game, Ms. Beyonce Knowles. I would wager she has a successful career ahead of her, but if no one stands up for her now, she'll go down as just a footnote. Sickening."
And "The sexist messages and themes degrading women found in nearly every single commercial advertisement featured on TV during the game itself. Plus the racism surrounding that German automobile manufacturer trivializing and mocking Jamaican culture. No wonder the NFL is losing fans and sponsors left and right. It made me literally sick to my stomach watching the entire affair."


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NEW SPRINGFIELD, Ohio (WYTV)-Katie went to the Maze Craze to see if she could make it through!
They have four different mazes to try and get through.
There's lots for the kids like gemstone hunts, hayrides, a swing set and more!
To get more information, check out their website http://www.getlostatmazecraze.com/


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A loan-to-value (LTV) ratio is the number that shows the difference between what you owe on your mortgage and the value of your home. Knowing your LTV can better prepare you for a home purchase or refinance.
Combined Loan To Value Ratio – CLTV Ratio: The combined loan-to-value ratio (CLTV Ratio) is the ratio of all loans secured by a property to the property's value. For example, suppose an individual.
mortgage pre approval online for bad credit Here's how to explain a low credit score to your lender and increase your odds of a mortgage approval. mortgages. compare lenders.. How to get a mortgage with bad credit?. Bankrate.com is an.
The Mortgage LTV Ratio is a tool that's used to measure risk and lender exposure for home loans. Mortgage programs employ loan-to-value limits because.
What is Loan-to-Value (LTV)? Definition: The loan to value ratio (LTV) is a risk assessment measurement that calculates the loan amount as a percentage of the appraised value of the collateral. In other words, it's a tool used to compare the purposed loan amount with the value of the property being purchased in order to evaluate the risk of the loan becoming underwater or upside-down.
Loan-to-Value or LTV is the amount of money you're borrowing as a percentage of your home's value. Lenders use loan-to-value calculations on both purchase and refinance transactions. The math.
The loan balance is divided by the value of the asset to calculate the loan-to-value ratio. A higher LTV ratio means that you need a higher loan amount to pay for the purchase of the asset. Over time, your LTV will decrease as you continue making loan payments and as the asset's value appreciates.
what is a good apr on a mortgage loan apr good loan mortgage – mortgagelendersinillinois.com – And, for loans with private mortgage insurance (pmi), the APR formula makes an assumption for the specific month-and-year that your home will reach twenty percent equity; that your PMI will go away.. What Is A Good Apr For A Home Loan – grandstrandbicycles.com – What Is A Good Apr For A Home Loan Description.
On 20 January, the central bank issued a circular stating that it has decided to prescribe a loan-to-value (LTV) ratio of not exceeding 75% for banks' lending against gold jewellery. Simply put, loans.
home equity line of credit debt to income ratio With a home equity loan, you use the built-up equity in your home as collateral for the loan. In order to qualify for this type of mortgage, the lender will look at your overall financial picture, including your other debt payments, to determine if you can afford the new debt. Typically, if a borrower's debt ratio is.
Calculating the Loan-to-Value Ratio on a Mortgage How to calculate the LTV ratio. To calculate the LTV ratio you just need to divide the amount. LTV Ratios for Mortgage Loans. Most home loans will have a maximum DTI ratio they can lend on. How LTV affects Mortgage Insurance. Mortgage.
where borrowers are willing to put in more money and thus lower the loan-to-value (LTV) ratio RBI's move to lower loan-to-value ratios and risk weights for individual housing loans can help bring down.


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Provincial Guard
The Provincial Guard is charged with enforcing the the Laws of Transdariania and the Criminal Code of Transdariania in all areas outside the jurisdiction of any city, town, or settlement, and within the province of Transdariania. The Provincial Guard is not bound to a certain floxod or knightly order but instead to the Sithire themselves. They travel about the province at large, both patrolling the public areas and the borders of a given province. The Provincial Guard has been recently created, thanks to the Interim Council of the post-Civil War Drache, and has replaced the traditional Border Guard that was founded by the Kingdom of Arangoth itself.
The number of Provincial Guards patrolling a given region is dependent on the population of the region in question, but the general ratio of Provincial Guards to Civic Guards is approximately 1:4, which is to say that for every four Civic Guards employed by a town or settlement, one Provincial Guard will base operations from that location. Provincial Guards typically deploy on patrol alone or in pairs, and for that reason rank among the Provincial Guard is largely a recognition of merit rather than a position of command. Notable exceptions to this rule occur at or above the rank of Ranger-Lieutenant/Spell-Lieutenant. Each town or settlement employing four or more Provincial Guardsmen is overseen by a guardsman holding the rank of Ranger-Lieutenant/Spell-Lieutenant or higher, who assigns patrol-routes and communicates by runner with the High Ranger-General in Drache. No Guardsman holding a lesser rank than Ranger-Lieutenant/Spell-Lieutenant may oversee the Provincial Guard stationed in any town or settlement. Due to the highly administrative nature of the responsibilities at this level of rank, it is generally bestowed only upon such servicemen as have shown proof of some modicum of higher learning, or who have otherwise distinguished themselves as capable of managing such responsibilities.
It is common for an untried Tracker-Recruit to be deployed paired with a more senior member of the guard, and in those cases seniority determines command if no ranking guard is present. Under the circumstances that the Provincial Guard be called into action en-masse as an emergency military force, or in situations where the Provincial Guard are called to assemble for banquet or ceremony, rank is observed as with any other military organization.
Towns and villages served by fewer than sixteen Civic Guards or served by a Civic Guard Sherriff (Aptentrod) are included in the patrol routes of guardsmen from larger settlements.
Uniform Regulations
Guard formal/parade/banquet uniform is black tunic, pants and boots, with a forest green stripe down the outside seams of the pants, and a forest green cloak clasped by a pin that denotes rank. The basic insignia of the guard is wrought of bronze in the shape of a drawn recurve bow with black enamel inlaid in the negative space except for a bronze dragon, which has different symbols around that indicate the rank of the guard (As indicated on the table below). Forest green armbands embroidered with the guard insignia and the individual's rank in bronze thread are worn on the upper arms over the tunic. Officers above the rank of Corporal are given a bronze-braided rope worn on the left shoulder, and officers above Lieutenant are given a bronze silk sash to wear under their swordbelts. Decorations and medals are worn on the right breast. Trackers are issued ceremonial hunting horns, while Non-Commissioned Officers are issued ornate ceremonial shortbows. Commissioned Officers are issued ceremonial curved recurve bows. If approved by the captain, issued ceremonial equipment may be replaced with other pieces that the guardsman supplies for the formal uniform.
|Tracker Recruit/Spell Recruit
|Base Insignia
|Base Insignia +1 White Arrow/Flame
|Tracker Corporal/Spell-Corporal
|Base Insignia +2 White Arrows/Flames
|Base Insignia +2 Silver Arrows/Flames
|Base Insignia +1 Gold Arrow/Flame
|Base Insignia +2 Gold Arrows/Flames
|High Ranger-General
|Gold Insignia, Silver Inlay
Magic-using Guards may substitute a black robe for the tunic and trousers of their dress uniform if they so desire. The robe has forest green trim at the cuffs, collar, and hem for guardsmen; officers' robes have a pattern of dragon scales embroidered on the trim in bronze thread. Spellcasters carry carved wooden staves as ceremonial weapons; officers carry staves with a bronze dragon's head ornament atop it.
Uniform on patrol does not have to conform with the formal dress standards of the guard, though the green cloak is required, as is the insignia pin. Alternately, a pair of green armbands embroidered with the guard insignia and rank can be substituted for the cloak in hot weather. The rank pin can be worn on the breast or the belt if the cloak is not worn, so long as it is prominently displayed. Individual equipment and armor are allowed on patrol. Because the guards tend to be highly trained in their unique abilities, equipment for patrols is not standardized and left to the individual guard's discretion.
Available Resources
The base of operations in Drache is a multi-story affair officially named "The Tracker's Lodge", found near the infamous Fort Cybil, built by Asnerith Dreth during the Civil War. Often simply called "home" by most Trackers (the colloquial title used to refer to a member of the Provincial Guard upon official membership), it has a renowned armory and library as well as barracks available to any Tracker or Ranger not currently dispatched on patrol.
Due to the small-squad infrastructure of the Provincial Guard and the scattered nature of their deployment, no scheduled martial training is provided. There is a small training yard at the Tracker's Lodge where Trackers who wish to sharpen their combat skills are encouraged to do so. Extensive field training is provided to new recruits upon acceptance into the Provincial Guard, and is detailed below.
Weapons and Armor
The armory is known specifically for the quality of null-magic items found within, which are known largely to be the only non-shackle null-magic items to be utilized by employees of the province. Everything from crossbows to halberds can be found within, each with a null-magic variant in case of a magical threat from within Drache. Though magical learning and use is largely unregulated, magic use is largely unpredictable within the armory, and as such precautions must be taken. There are, of course, mundane weaponry and armor found within, but these are masterwork at best.
The library is renowned for an entirely polar reason, as it is the primary magical research facility regarding medicine. Various infections and plagues are being worked on at any given time, though the cures to such ailments are generally so expensive they are only employed in the highest echelons of the province's citizenry. Additionally, every new recruit without knowledge of basic first-aid and field dressing or without healing magic is required to attend a one-week primer on the subject of mundane treatment of wounds, poisons, and trauma in the field.
Due to the widely scattered deployment of the Provincial Guard, no centralized healing organization is employed. Each tracker is issued a writ from the High Ranger-General insuring payment of healing expenses with an undefined amount. These writs are required to be exchanged for a written record of the transaction in which they were used. Failure to submit reciept on requisition of a new writ is subject to termination of service. Any Guardsman suspected of exchanging his or her writ for its cash value is subject to termination of service and prosecution for larceny in a court-marshal overseen by a commissioned officer.
Death Benefits
In the event that a Guardsman should lose his or her life in the line of duty, the Provincial Guard will cover funerary expenses assuming the remains of the Guardsman can be recovered. Regardless of recovery, the Guardsman's full salary will be paid to the family of the deceased for a period of one year.
Recruitment occurs from within the servicemen of Transdariania, or amongst individuals who have distinguished themselves as servants of the Sithrangel or as identified by the High Ranger-General. The Provincial Guard will never recruit a walk-on. Seeing as their purview is so wide, and purpose so great, only the best are allowed to join their ranks. Applications are never accepted, but instead guardsmen/bannermen/sailors are hand-picked by their superiors for this station. Declining is always an option, though rarely occurs. Training time for recruits varies depending on their level of skill, but takes roughly six months following recruitment. It covers every ounce of knowledge needed to be safe and effective in the field. Field tests or written exams may be utilized to speed the training process in the case that a recruit's knowledge is deemed to be advanced, and by these means the orientation and mentorship programs may be bypassed to more quickly place recruits in the field for assignment.
These assignments include an absolute slew of activities, from reconnaissance to shock troop-esque raids, but each is well within the skills of the chosen Trackers for the job. The Provincial Guard will, notably, be recruited on occasion into a war, but only if the forces supplied by Floxods are not sufficient for the war effort. This has never occurred in the past.
Current Roster
A current roster can be found on the Officials listing.


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UHRIG Group is a family-owned company from the city of Geisingen on the Donau in Baden-Württemberg. The company was founded a good five decades ago, and is by now represented worldwide with its products and services.
- Competences: civil engineering, sewer system management, sewer renovation, energy from wastewater, compressor construction
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Since its founding in 1963, UHRIG has developed into an internationally recognized specialist for wastewater and rain water systems. The guideline of our company is: efficiency and climate and environmental protection. Our claim is to always set new economic and ecological standards in our areas of competence. Stemming from street and civil engineering, we have also developed numerous products and services based around our competences and have brought these to market.
We work continually on the development of new processes and technologies. We are proud to be able to support to our daily work through numerous innovative, patented procedures. As a family-owned company, we place great value on a strong orientation toward service, cooperative and respectful collaboration, as well as social engagement.
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CHANEL Rare Vintage Black Satin Flap Bag Gripoix Closure Bag
|1 Gold Tone Chain Fashion Shoulder Strap Chain, Drop: 16.5″
|6.5″ x 1.75″ x 7.5″
|Black Satin, Gold Tone Hardware
|Black Satin
|Black Satin, 1 Pocket
|Gripoix Snap Closure
|This CHANEL Rare Vintage Black Satin Flap Bag Gripoix Closure Bag is in good condition! This beautiful chic vintage shoulder bag is perfect for a night out on the town! The black satin fabric exterior is in good condition with minor visible stains. There is one very small scratch in the satin fabric on the front of the bag, as well as visible pink make up stains around the edges of the bag. Keep in mind that this is a vintage bag, and very rare! There are two small white stains on the front flap of the bag, which can be cleaned to look as good as new. The back of the bag has an indentation in the satin from the packaging that the previous owner had kept the bag in. The Gripoix front closure shows some tarnish on the gold, however the tarnish adds to the vintage feel. The push snap closure works properly. The bottom of the bag has one minor stain which can also be cleaned. Around the corner where the front flap meets the interior, you will notice some wear/rips in the satin. The gold tone Chanel fashion shoulder chain is in great condition! The interior of the bag is also black satin and has been kept in very good condition, with only one small visible make up stain. Along with the main interior, you will find one small pocket as well. Stitched on the inside front flap, you will see the Chanel logo. Super chic shoulder bag!